Home > Bank of the West > Income and Expense

Bank of the West, Income and Expense

2023-12-31 (YTD Data)		Rank
Total interest income	$38,597,000	1,152
Total interest expense	$7,522,000	1,569
Net interest income	$31,075,000	1,013
Provision for loan and lease losses	$90,000	2,523
Total noninterest income	$2,984,000	1,638
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$769,000	1,227
Trading account gains and fees	$0	123
Additional Noninterest Income	$2,215,000	1,532
Total noninterest expense	$20,531,000	1,189
Salaries and employee benefits	$12,962,000	1,092
Premises and equipment expense	$2,961,000	880
Additional noninterest expense	$2,215,000	1,532
Pre-tax net operating income	$13,438,000	933
Securities gains (losses)	$0	988
Applicable income taxes	$0	3,369
Income before extraordinary items	$13,438,000	798
Extraordinary gains, net	$0	54
Net income	$13,438,000	810
Minority interest net income	$0	88
Net income of bank and minority interests.	$13,438,000	801
Net charge-offs	$-11,000	3,866
Cash dividends	$6,565,000	650
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$13,438,000	808
2023-09-30 (YTD Data)		Rank
Total interest income	$27,872,000	1,160
Total interest expense	$4,651,000	1,659
Net interest income	$23,221,000	1,013
Provision for loan and lease losses	$34,000	2,668
Total noninterest income	$2,285,000	1,612
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$563,000	1,250
Trading account gains and fees	$0	125
Additional Noninterest Income	$1,722,000	1,480
Total noninterest expense	$14,904,000	1,212
Salaries and employee benefits	$9,555,000	1,109
Premises and equipment expense	$2,222,000	890
Additional noninterest expense	$1,722,000	1,480
Pre-tax net operating income	$10,568,000	934
Securities gains (losses)	$0	849
Applicable income taxes	$0	3,407
Income before extraordinary items	$10,568,000	797
Extraordinary gains, net	$0	52
Net income	$10,568,000	801
Minority interest net income	$0	81
Net income of bank and minority interests.	$10,568,000	797
Net charge-offs	$-8,000	3,787
Cash dividends	$4,965,000	612
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$10,568,000	813
2023-06-30 (YTD Data)		Rank
Total interest income	$17,606,000	1,180
Total interest expense	$2,283,000	1,860
Net interest income	$15,323,000	1,030
Provision for loan and lease losses	$22,000	2,589
Total noninterest income	$1,400,000	1,622
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$366,000	1,259
Trading account gains and fees	$0	112
Additional Noninterest Income	$1,034,000	1,501
Total noninterest expense	$9,915,000	1,200
Salaries and employee benefits	$6,385,000	1,092
Premises and equipment expense	$1,481,000	867
Additional noninterest expense	$1,034,000	1,499
Pre-tax net operating income	$6,786,000	965
Securities gains (losses)	$0	938
Applicable income taxes	$0	3,436
Income before extraordinary items	$6,786,000	830
Extraordinary gains, net	$0	51
Net income	$6,786,000	842
Minority interest net income	$0	81
Net income of bank and minority interests.	$6,786,000	830
Net charge-offs	$-5,000	3,722
Cash dividends	$3,170,000	608
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$6,786,000	837
2023-03-31 (YTD Data)		Rank
Total interest income	$8,340,000	1,213
Total interest expense	$616,000	2,385
Net interest income	$7,724,000	1,023
Provision for loan and lease losses	$11,000	2,319
Total noninterest income	$610,000	1,762
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$176,000	1,308
Trading account gains and fees	$0	97
Additional Noninterest Income	$434,000	1,642
Total noninterest expense	$4,960,000	1,215
Salaries and employee benefits	$3,219,000	1,110
Premises and equipment expense	$742,000	890
Additional noninterest expense	$434,000	1,642
Pre-tax net operating income	$3,363,000	991
Securities gains (losses)	$0	950
Applicable income taxes	$0	3,388
Income before extraordinary items	$3,363,000	856
Extraordinary gains, net	$0	4
Net income	$3,363,000	855
Minority interest net income	$0	48
Net income of bank and minority interests.	$3,363,000	855
Net charge-offs	$-3,000	3,659
Cash dividends	$1,435,000	622
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$3,363,000	872
2022-12-31 (YTD Data)		Rank
Total interest income	$25,316,000	1,297
Total interest expense	$1,018,000	2,401
Net interest income	$24,298,000	1,227
Provision for loan and lease losses	$47,000	2,577
Total noninterest income	$2,753,000	1,721
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$716,000	1,319
Trading account gains and fees	$0	116
Additional Noninterest Income	$2,037,000	1,609
Total noninterest expense	$19,421,000	1,215
Salaries and employee benefits	$11,196,000	1,217
Premises and equipment expense	$2,968,000	872
Additional noninterest expense	$2,037,000	1,609
Pre-tax net operating income	$7,583,000	1,544
Securities gains (losses)	$0	691
Applicable income taxes	$0	3,596
Income before extraordinary items	$7,583,000	1,363
Extraordinary gains, net	$0	5
Net income	$7,583,000	1,363
Minority interest net income	$0	63
Net income of bank and minority interests.	$7,583,000	1,363
Net charge-offs	$133,000	1,110
Cash dividends	$3,775,000	975
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$7,583,000	1,380
2022-09-30 (YTD Data)		Rank
Total interest income	$17,150,000	1,352
Total interest expense	$590,000	2,439
Net interest income	$16,560,000	1,312
Provision for loan and lease losses	$36,000	2,401
Total noninterest income	$2,122,000	1,711
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$542,000	1,323
Trading account gains and fees	$0	111
Additional Noninterest Income	$1,580,000	1,591
Total noninterest expense	$13,573,000	1,276
Salaries and employee benefits	$8,451,000	1,196
Premises and equipment expense	$2,222,000	871
Additional noninterest expense	$1,580,000	1,591
Pre-tax net operating income	$5,073,000	1,679
Securities gains (losses)	$0	740
Applicable income taxes	$0	3,603
Income before extraordinary items	$5,073,000	1,471
Extraordinary gains, net	$0	4
Net income	$5,073,000	1,471
Minority interest net income	$0	57
Net income of bank and minority interests.	$5,073,000	1,471
Net charge-offs	$-10,000	3,603
Cash dividends	$2,545,000	945
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$5,073,000	1,505
2022-06-30 (YTD Data)		Rank
Total interest income	$10,341,000	1,430
Total interest expense	$345,000	2,472
Net interest income	$9,996,000	1,388
Provision for loan and lease losses	$23,000	2,232
Total noninterest income	$1,611,000	1,576
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$356,000	1,318
Trading account gains and fees	$0	108
Additional Noninterest Income	$1,255,000	1,464
Total noninterest expense	$8,817,000	1,291
Salaries and employee benefits	$5,311,000	1,250
Premises and equipment expense	$1,464,000	876
Additional noninterest expense	$2,042,000	1,582
Pre-tax net operating income	$2,767,000	1,834
Securities gains (losses)	$0	687
Applicable income taxes	$0	3,564
Income before extraordinary items	$2,767,000	1,601
Extraordinary gains, net	$0	4
Net income	$2,767,000	1,599
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,767,000	1,601
Net charge-offs	$-3,000	3,282
Cash dividends	$1,380,000	1,127
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$2,767,000	1,638
2022-03-31 (YTD Data)		Rank
Total interest income	$4,776,000	1,496
Total interest expense	$177,000	2,404
Net interest income	$4,599,000	1,450
Provision for loan and lease losses	$11,000	1,983
Total noninterest income	$804,000	1,574
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$179,000	1,292
Trading account gains and fees	$0	103
Additional Noninterest Income	$625,000	1,469
Total noninterest expense	$4,389,000	1,295
Salaries and employee benefits	$2,630,000	1,263
Premises and equipment expense	$740,000	865
Additional noninterest expense	$1,019,000	1,553
Pre-tax net operating income	$1,003,000	2,092
Securities gains (losses)	$0	623
Applicable income taxes	$0	3,450
Income before extraordinary items	$1,003,000	1,918
Extraordinary gains, net	$0	4
Net income	$1,003,000	1,917
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,003,000	1,918
Net charge-offs	$-1,000	3,005
Cash dividends	$520,000	1,141
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,003,000	1,936
2021-12-31 (YTD Data)		Rank
Total interest income	$22,463,000	1,345
Total interest expense	$2,043,000	1,310
Net interest income	$20,420,000	1,341
Provision for loan and lease losses	$799,000	729
Total noninterest income	$4,425,000	1,419
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$705,000	1,240
Trading account gains and fees	$0	132
Additional Noninterest Income	$3,720,000	1,313
Total noninterest expense	$18,301,000	1,243
Salaries and employee benefits	$10,041,000	1,289
Premises and equipment expense	$3,021,000	855
Additional noninterest expense	$5,239,000	1,275
Pre-tax net operating income	$5,745,000	1,882
Securities gains (losses)	$0	2,062
Applicable income taxes	$0	3,710
Income before extraordinary items	$5,745,000	1,710
Extraordinary gains, net	$0	10
Net income	$5,745,000	1,710
Minority interest net income	$0	74
Net income of bank and minority interests.	$5,745,000	1,711
Net charge-offs	$135,000	1,199
Cash dividends	$2,860,000	1,221
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$5,745,000	1,682
2021-09-30 (YTD Data)		Rank
Total interest income	$17,430,000	1,335
Total interest expense	$1,839,000	1,172
Net interest income	$15,591,000	1,338
Provision for loan and lease losses	$641,000	674
Total noninterest income	$3,374,000	1,436
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$520,000	1,254
Trading account gains and fees	$0	132
Additional Noninterest Income	$2,854,000	1,335
Total noninterest expense	$13,386,000	1,272
Salaries and employee benefits	$7,986,000	1,245
Premises and equipment expense	$2,218,000	887
Additional noninterest expense	$3,182,000	1,517
Pre-tax net operating income	$4,938,000	1,781
Securities gains (losses)	$0	2,015
Applicable income taxes	$0	3,719
Income before extraordinary items	$4,938,000	1,624
Extraordinary gains, net	$0	8
Net income	$4,938,000	1,623
Minority interest net income	$0	69
Net income of bank and minority interests.	$4,938,000	1,624
Net charge-offs	$128,000	981
Cash dividends	$2,350,000	1,038
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$4,938,000	1,600
2021-06-30 (YTD Data)		Rank
Total interest income	$11,508,000	1,333
Total interest expense	$1,481,000	1,017
Net interest income	$10,027,000	1,379
Provision for loan and lease losses	$490,000	639
Total noninterest income	$2,213,000	1,441
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$336,000	1,251
Trading account gains and fees	$0	133
Additional Noninterest Income	$1,877,000	1,338
Total noninterest expense	$8,549,000	1,310
Salaries and employee benefits	$4,985,000	1,304
Premises and equipment expense	$1,431,000	909
Additional noninterest expense	$2,133,000	1,497
Pre-tax net operating income	$3,201,000	1,792
Securities gains (losses)	$0	1,818
Applicable income taxes	$0	3,702
Income before extraordinary items	$3,201,000	1,635
Extraordinary gains, net	$0	6
Net income	$3,201,000	1,635
Minority interest net income	$0	67
Net income of bank and minority interests.	$3,201,000	1,635
Net charge-offs	$137,000	791
Cash dividends	$1,525,000	1,036
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$3,201,000	1,605
2021-03-31 (YTD Data)		Rank
Total interest income	$5,763,000	1,341
Total interest expense	$737,000	1,085
Net interest income	$5,026,000	1,362
Provision for loan and lease losses	$330,000	510
Total noninterest income	$1,236,000	1,338
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$168,000	1,245
Trading account gains and fees	$0	127
Additional Noninterest Income	$1,068,000	1,221
Total noninterest expense	$4,334,000	1,281
Salaries and employee benefits	$2,604,000	1,245
Premises and equipment expense	$700,000	930
Additional noninterest expense	$1,030,000	1,515
Pre-tax net operating income	$1,598,000	1,803
Securities gains (losses)	$0	1,392
Applicable income taxes	$0	3,613
Income before extraordinary items	$1,598,000	1,655
Extraordinary gains, net	$0	3
Net income	$1,598,000	1,655
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,598,000	1,655
Net charge-offs	$97,000	628
Cash dividends	$750,000	919
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,598,000	1,608
2020-12-31 (YTD Data)		Rank
Total interest income	$23,476,000	1,290
Total interest expense	$2,896,000	1,526
Net interest income	$20,580,000	1,249
Provision for loan and lease losses	$1,099,000	1,511
Total noninterest income	$4,959,000	1,269
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$777,000	1,159
Trading account gains and fees	$0	133
Additional Noninterest Income	$4,182,000	1,167
Total noninterest expense	$17,012,000	1,263
Salaries and employee benefits	$10,086,000	1,247
Premises and equipment expense	$2,693,000	931
Additional noninterest expense	$4,233,000	1,464
Pre-tax net operating income	$7,428,000	1,325
Securities gains (losses)	$0	2,675
Applicable income taxes	$0	3,697
Income before extraordinary items	$7,428,000	1,205
Extraordinary gains, net	$0	4
Net income	$7,428,000	1,205
Minority interest net income	$0	72
Net income of bank and minority interests.	$7,428,000	1,205
Net charge-offs	$157,000	1,703
Cash dividends	$4,275,000	863
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$7,428,000	1,165
2020-09-30 (YTD Data)		Rank
Total interest income	$17,446,000	1,306
Total interest expense	$2,150,000	1,621
Net interest income	$15,296,000	1,239
Provision for loan and lease losses	$701,000	1,664
Total noninterest income	$3,614,000	1,268
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$593,000	1,144
Trading account gains and fees	$0	125
Additional Noninterest Income	$3,021,000	1,164
Total noninterest expense	$12,889,000	1,235
Salaries and employee benefits	$7,748,000	1,211
Premises and equipment expense	$1,992,000	933
Additional noninterest expense	$3,149,000	1,455
Pre-tax net operating income	$5,320,000	1,329
Securities gains (losses)	$0	2,494
Applicable income taxes	$0	3,696
Income before extraordinary items	$5,320,000	1,209
Extraordinary gains, net	$0	4
Net income	$5,320,000	1,209
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,320,000	1,209
Net charge-offs	$123,000	1,536
Cash dividends	$2,775,000	851
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$5,320,000	1,176
2020-06-30 (YTD Data)		Rank
Total interest income	$11,582,000	1,328
Total interest expense	$1,449,000	1,692
Net interest income	$10,133,000	1,257
Provision for loan and lease losses	$549,000	1,552
Total noninterest income	$1,972,000	1,371
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$412,000	1,118
Trading account gains and fees	$0	123
Additional Noninterest Income	$1,560,000	1,285
Total noninterest expense	$8,845,000	1,194
Salaries and employee benefits	$5,442,000	1,139
Premises and equipment expense	$1,301,000	949
Additional noninterest expense	$2,102,000	1,442
Pre-tax net operating income	$2,711,000	1,582
Securities gains (losses)	$0	2,249
Applicable income taxes	$0	3,655
Income before extraordinary items	$2,711,000	1,434
Extraordinary gains, net	$0	4
Net income	$2,711,000	1,434
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,711,000	1,434
Net charge-offs	$31,000	1,982
Cash dividends	$1,725,000	902
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,711,000	1,387
2020-03-31 (YTD Data)		Rank
Total interest income	$5,514,000	1,390
Total interest expense	$776,000	1,722
Net interest income	$4,738,000	1,314
Provision for loan and lease losses	$149,000	1,699
Total noninterest income	$856,000	1,419
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$230,000	1,187
Trading account gains and fees	$0	106
Additional Noninterest Income	$626,000	1,318
Total noninterest expense	$4,320,000	1,230
Salaries and employee benefits	$2,610,000	1,197
Premises and equipment expense	$650,000	966
Additional noninterest expense	$1,060,000	1,441
Pre-tax net operating income	$1,125,000	1,669
Securities gains (losses)	$0	1,705
Applicable income taxes	$0	3,513
Income before extraordinary items	$1,125,000	1,508
Extraordinary gains, net	$0	4
Net income	$1,125,000	1,506
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,125,000	1,508
Net charge-offs	$22,000	1,562
Cash dividends	$625,000	1,109
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,125,000	1,484
2019-12-31 (YTD Data)		Rank
Total interest income	$23,117,000	1,344
Total interest expense	$2,833,000	1,883
Net interest income	$20,284,000	1,243
Provision for loan and lease losses	$514,000	1,454
Total noninterest income	$3,205,000	1,502
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$857,000	1,265
Trading account gains and fees	$0	135
Additional Noninterest Income	$2,348,000	1,396
Total noninterest expense	$16,474,000	1,249
Salaries and employee benefits	$9,633,000	1,236
Premises and equipment expense	$2,618,000	945
Additional noninterest expense	$4,223,000	1,441
Pre-tax net operating income	$6,501,000	1,444
Securities gains (losses)	$0	2,379
Applicable income taxes	$0	3,859
Income before extraordinary items	$6,501,000	1,310
Extraordinary gains, net	$0	11
Net income	$6,501,000	1,311
Minority interest net income	$0	76
Net income of bank and minority interests.	$6,501,000	1,312
Net charge-offs	$425,000	1,154
Cash dividends	$3,670,000	1,035
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$6,501,000	1,286
2019-09-30 (YTD Data)		Rank
Total interest income	$17,447,000	1,346
Total interest expense	$2,111,000	1,897
Net interest income	$15,336,000	1,244
Provision for loan and lease losses	$383,000	1,384
Total noninterest income	$2,267,000	1,552
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$609,000	1,328
Trading account gains and fees	$0	129
Additional Noninterest Income	$1,658,000	1,439
Total noninterest expense	$12,172,000	1,271
Salaries and employee benefits	$7,323,000	1,233
Premises and equipment expense	$1,943,000	957
Additional noninterest expense	$2,906,000	1,544
Pre-tax net operating income	$5,048,000	1,421
Securities gains (losses)	$0	2,167
Applicable income taxes	$0	3,902
Income before extraordinary items	$5,048,000	1,303
Extraordinary gains, net	$0	11
Net income	$5,048,000	1,305
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,048,000	1,305
Net charge-offs	$269,000	1,100
Cash dividends	$2,970,000	899
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$5,048,000	1,281
2019-06-30 (YTD Data)		Rank
Total interest income	$11,518,000	1,351
Total interest expense	$1,399,000	1,887
Net interest income	$10,119,000	1,262
Provision for loan and lease losses	$254,000	1,369
Total noninterest income	$1,440,000	1,572
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$363,000	1,433
Trading account gains and fees	$0	131
Additional Noninterest Income	$1,077,000	1,421
Total noninterest expense	$8,040,000	1,292
Salaries and employee benefits	$4,793,000	1,252
Premises and equipment expense	$1,272,000	972
Additional noninterest expense	$1,975,000	1,525
Pre-tax net operating income	$3,265,000	1,448
Securities gains (losses)	$0	1,702
Applicable income taxes	$0	3,901
Income before extraordinary items	$3,265,000	1,303
Extraordinary gains, net	$0	11
Net income	$3,265,000	1,303
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,265,000	1,303
Net charge-offs	$127,000	1,256
Cash dividends	$1,900,000	918
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$3,265,000	1,283
2019-03-31 (YTD Data)		Rank
Total interest income	$5,623,000	1,375
Total interest expense	$675,000	1,897
Net interest income	$4,948,000	1,280
Provision for loan and lease losses	$127,000	1,302
Total noninterest income	$603,000	1,724
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$155,000	1,632
Trading account gains and fees	$0	126
Additional Noninterest Income	$448,000	1,558
Total noninterest expense	$4,035,000	1,278
Salaries and employee benefits	$2,373,000	1,267
Premises and equipment expense	$616,000	1,002
Additional noninterest expense	$1,046,000	1,463
Pre-tax net operating income	$1,389,000	1,619
Securities gains (losses)	$0	1,087
Applicable income taxes	$0	3,800
Income before extraordinary items	$1,389,000	1,437
Extraordinary gains, net	$0	5
Net income	$1,389,000	1,436
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,389,000	1,436
Net charge-offs	$174,000	675
Cash dividends	$900,000	902
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,389,000	1,414
2018-12-31 (YTD Data)		Rank
Total interest income	$20,711,000	1,398
Total interest expense	$2,020,000	1,926
Net interest income	$18,691,000	1,309
Provision for loan and lease losses	$502,000	1,440
Total noninterest income	$3,495,000	1,389
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$684,000	1,554
Trading account gains and fees	$0	126
Additional Noninterest Income	$2,811,000	1,195
Total noninterest expense	$15,909,000	1,275
Salaries and employee benefits	$9,581,000	1,208
Premises and equipment expense	$2,506,000	972
Additional noninterest expense	$3,822,000	1,565
Pre-tax net operating income	$5,775,000	1,570
Securities gains (losses)	$0	1,125
Applicable income taxes	$0	3,978
Income before extraordinary items	$5,775,000	1,396
Extraordinary gains, net	$0	6
Net income	$5,775,000	1,395
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,775,000	1,395
Net charge-offs	$402,000	1,104
Cash dividends	$4,145,000	842
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$5,775,000	1,387
2018-09-30 (YTD Data)		Rank
Total interest income	$15,287,000	1,397
Total interest expense	$1,382,000	1,968
Net interest income	$13,905,000	1,318
Provision for loan and lease losses	$374,000	1,390
Total noninterest income	$2,750,000	1,358
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$510,000	1,577
Trading account gains and fees	$0	138
Additional Noninterest Income	$2,240,000	1,165
Total noninterest expense	$11,815,000	1,278
Salaries and employee benefits	$7,122,000	1,215
Premises and equipment expense	$1,871,000	969
Additional noninterest expense	$2,822,000	1,578
Pre-tax net operating income	$4,466,000	1,539
Securities gains (losses)	$0	1,118
Applicable income taxes	$0	4,032
Income before extraordinary items	$4,466,000	1,368
Extraordinary gains, net	$0	5
Net income	$4,466,000	1,367
Minority interest net income	$0	66
Net income of bank and minority interests.	$4,466,000	1,367
Net charge-offs	$416,000	814
Cash dividends	$3,015,000	775
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$4,466,000	1,351
2018-06-30 (YTD Data)		Rank
Total interest income	$9,899,000	1,423
Total interest expense	$846,000	2,010
Net interest income	$9,053,000	1,339
Provision for loan and lease losses	$247,000	1,360
Total noninterest income	$1,461,000	1,593
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$336,000	1,583
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,125,000	1,416
Total noninterest expense	$7,850,000	1,287
Salaries and employee benefits	$4,792,000	1,211
Premises and equipment expense	$1,214,000	995
Additional noninterest expense	$1,844,000	1,615
Pre-tax net operating income	$2,417,000	1,821
Securities gains (losses)	$0	961
Applicable income taxes	$0	4,018
Income before extraordinary items	$2,417,000	1,622
Extraordinary gains, net	$0	6
Net income	$2,417,000	1,621
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,417,000	1,621
Net charge-offs	$158,000	1,052
Cash dividends	$1,890,000	817
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,417,000	1,608
2018-03-31 (YTD Data)		Rank
Total interest income	$4,856,000	1,439
Total interest expense	$388,000	2,064
Net interest income	$4,468,000	1,352
Provision for loan and lease losses	$119,000	1,356
Total noninterest income	$663,000	1,685
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$176,000	1,537
Trading account gains and fees	$0	123
Additional Noninterest Income	$487,000	1,517
Total noninterest expense	$3,865,000	1,315
Salaries and employee benefits	$2,434,000	1,205
Premises and equipment expense	$587,000	1,042
Additional noninterest expense	$844,000	1,737
Pre-tax net operating income	$1,147,000	1,846
Securities gains (losses)	$0	735
Applicable income taxes	$0	3,948
Income before extraordinary items	$1,147,000	1,643
Extraordinary gains, net	$0	7
Net income	$1,147,000	1,643
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,147,000	1,643
Net charge-offs	$95,000	876
Cash dividends	$915,000	780
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,147,000	1,630
2017-12-31 (YTD Data)		Rank
Total interest income	$18,481,000	1,453
Total interest expense	$1,210,000	2,230
Net interest income	$17,271,000	1,363
Provision for loan and lease losses	$304,000	1,946
Total noninterest income	$3,294,000	1,479
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$711,000	1,549
Trading account gains and fees	$0	151
Additional Noninterest Income	$2,583,000	1,298
Total noninterest expense	$14,751,000	1,348
Salaries and employee benefits	$9,107,000	1,245
Premises and equipment expense	$2,331,000	1,021
Additional noninterest expense	$3,313,000	1,796
Pre-tax net operating income	$5,510,000	1,580
Securities gains (losses)	$11,000	1,559
Applicable income taxes	$0	4,135
Income before extraordinary items	$5,521,000	1,252
Extraordinary gains, net	$0	9
Net income	$5,521,000	1,252
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,521,000	1,252
Net charge-offs	$488,000	1,107
Cash dividends	$4,380,000	760
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$5,510,000	1,237
2017-09-30 (YTD Data)		Rank
Total interest income	$13,714,000	1,461
Total interest expense	$857,000	2,299
Net interest income	$12,857,000	1,377
Provision for loan and lease losses	$199,000	2,045
Total noninterest income	$2,556,000	1,448
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$534,000	1,555
Trading account gains and fees	$0	145
Additional Noninterest Income	$2,022,000	1,275
Total noninterest expense	$11,176,000	1,326
Salaries and employee benefits	$6,947,000	1,237
Premises and equipment expense	$1,727,000	1,040
Additional noninterest expense	$2,502,000	1,777
Pre-tax net operating income	$4,038,000	1,630
Securities gains (losses)	$9,000	1,660
Applicable income taxes	$0	4,172
Income before extraordinary items	$4,047,000	1,362
Extraordinary gains, net	$0	9
Net income	$4,047,000	1,362
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,047,000	1,362
Net charge-offs	$-117,000	5,382
Cash dividends	$3,130,000	735
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$4,038,000	1,346
2017-06-30 (YTD Data)		Rank
Total interest income	$9,062,000	1,459
Total interest expense	$549,000	2,319
Net interest income	$8,513,000	1,387
Provision for loan and lease losses	$115,000	2,145
Total noninterest income	$1,691,000	1,467
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$346,000	1,581
Trading account gains and fees	$0	139
Additional Noninterest Income	$1,345,000	1,274
Total noninterest expense	$7,448,000	1,332
Salaries and employee benefits	$4,647,000	1,240
Premises and equipment expense	$1,147,000	1,042
Additional noninterest expense	$1,654,000	1,778
Pre-tax net operating income	$2,641,000	1,627
Securities gains (losses)	$0	1,906
Applicable income taxes	$0	4,189
Income before extraordinary items	$2,641,000	1,376
Extraordinary gains, net	$0	11
Net income	$2,641,000	1,376
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,641,000	1,377
Net charge-offs	$-118,000	5,475
Cash dividends	$2,050,000	743
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,641,000	1,357
2017-03-31 (YTD Data)		Rank
Total interest income	$4,456,000	1,477
Total interest expense	$266,000	2,361
Net interest income	$4,190,000	1,396
Provision for loan and lease losses	$46,000	2,138
Total noninterest income	$860,000	1,432
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$173,000	1,581
Trading account gains and fees	$0	142
Additional Noninterest Income	$687,000	1,247
Total noninterest expense	$3,851,000	1,307
Salaries and employee benefits	$2,386,000	1,224
Premises and equipment expense	$567,000	1,061
Additional noninterest expense	$898,000	1,655
Pre-tax net operating income	$1,153,000	1,772
Securities gains (losses)	$0	1,153
Applicable income taxes	$0	4,086
Income before extraordinary items	$1,153,000	1,504
Extraordinary gains, net	$0	8
Net income	$1,153,000	1,504
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,153,000	1,504
Net charge-offs	$-177,000	5,706
Cash dividends	$950,000	773
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,153,000	1,484
2016-12-31 (YTD Data)		Rank
Total interest income	$17,699,000	1,439
Total interest expense	$975,000	2,457
Net interest income	$16,724,000	1,363
Provision for loan and lease losses	$1,369,000	697
Total noninterest income	$4,091,000	1,313
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$831,000	1,396
Trading account gains and fees	$0	170
Additional Noninterest Income	$3,260,000	1,145
Total noninterest expense	$14,932,000	1,325
Salaries and employee benefits	$9,060,000	1,242
Premises and equipment expense	$2,296,000	1,029
Additional noninterest expense	$3,576,000	1,701
Pre-tax net operating income	$4,514,000	1,753
Securities gains (losses)	$119,000	1,226
Applicable income taxes	$0	4,278
Income before extraordinary items	$4,633,000	1,472
Extraordinary gains, net	$0	5
Net income	$4,633,000	1,471
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,633,000	1,471
Net charge-offs	$1,245,000	555
Cash dividends	$4,130,000	796
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$4,514,000	1,474
2016-09-30 (YTD Data)		Rank
Total interest income	$13,239,000	1,444
Total interest expense	$715,000	2,511
Net interest income	$12,524,000	1,367
Provision for loan and lease losses	$1,289,000	577
Total noninterest income	$3,180,000	1,276
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$631,000	1,390
Trading account gains and fees	$0	169
Additional Noninterest Income	$2,549,000	1,114
Total noninterest expense	$11,138,000	1,331
Salaries and employee benefits	$6,774,000	1,248
Premises and equipment expense	$1,700,000	1,044
Additional noninterest expense	$2,664,000	1,695
Pre-tax net operating income	$3,277,000	1,832
Securities gains (losses)	$118,000	1,149
Applicable income taxes	$0	4,325
Income before extraordinary items	$3,395,000	1,522
Extraordinary gains, net	$0	5
Net income	$3,395,000	1,521
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,395,000	1,522
Net charge-offs	$890,000	530
Cash dividends	$3,030,000	746
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$3,277,000	1,524
2016-06-30 (YTD Data)		Rank
Total interest income	$8,759,000	1,450
Total interest expense	$473,000	2,523
Net interest income	$8,286,000	1,378
Provision for loan and lease losses	$1,210,000	434
Total noninterest income	$2,278,000	1,209
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$413,000	1,391
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,865,000	1,017
Total noninterest expense	$7,494,000	1,330
Salaries and employee benefits	$4,540,000	1,251
Premises and equipment expense	$1,135,000	1,046
Additional noninterest expense	$1,819,000	1,665
Pre-tax net operating income	$1,860,000	2,058
Securities gains (losses)	$102,000	946
Applicable income taxes	$0	4,338
Income before extraordinary items	$1,962,000	1,694
Extraordinary gains, net	$0	16
Net income	$1,962,000	1,695
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,962,000	1,695
Net charge-offs	$926,000	377
Cash dividends	$1,690,000	882
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,860,000	1,725
2016-03-31 (YTD Data)		Rank
Total interest income	$4,244,000	1,495
Total interest expense	$235,000	2,539
Net interest income	$4,009,000	1,419
Provision for loan and lease losses	$1,127,000	256
Total noninterest income	$1,353,000	1,041
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$209,000	1,387
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,144,000	853
Total noninterest expense	$3,752,000	1,329
Salaries and employee benefits	$2,260,000	1,256
Premises and equipment expense	$598,000	1,012
Additional noninterest expense	$894,000	1,698
Pre-tax net operating income	$483,000	3,106
Securities gains (losses)	$102,000	522
Applicable income taxes	$0	4,259
Income before extraordinary items	$585,000	2,482
Extraordinary gains, net	$0	12
Net income	$585,000	2,482
Minority interest net income	$0	62
Net income of bank and minority interests.	$585,000	2,482
Net charge-offs	$113,000	942
Cash dividends	$700,000	951
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$483,000	2,757
2015-12-31 (YTD Data)		Rank
Total interest income	$16,241,000	1,518
Total interest expense	$964,000	2,475
Net interest income	$15,277,000	1,449
Provision for loan and lease losses	$511,000	1,325
Total noninterest income	$4,351,000	1,231
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$933,000	1,291
Trading account gains and fees	$0	159
Additional Noninterest Income	$3,418,000	1,065
Total noninterest expense	$14,573,000	1,347
Salaries and employee benefits	$8,663,000	1,266
Premises and equipment expense	$2,177,000	1,091
Additional noninterest expense	$3,733,000	1,627
Pre-tax net operating income	$4,544,000	1,706
Securities gains (losses)	$52,000	1,623
Applicable income taxes	$0	4,402
Income before extraordinary items	$4,596,000	1,443
Extraordinary gains, net	$0	23
Net income	$4,596,000	1,443
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,596,000	1,443
Net charge-offs	$148,000	2,272
Cash dividends	$3,640,000	852
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$4,544,000	1,435
2015-09-30 (YTD Data)		Rank
Total interest income	$12,012,000	1,556
Total interest expense	$714,000	2,533
Net interest income	$11,298,000	1,472
Provision for loan and lease losses	$296,000	1,536
Total noninterest income	$3,468,000	1,192
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$694,000	1,311
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,774,000	1,027
Total noninterest expense	$10,948,000	1,348
Salaries and employee benefits	$6,581,000	1,264
Premises and equipment expense	$1,595,000	1,136
Additional noninterest expense	$2,772,000	1,640
Pre-tax net operating income	$3,522,000	1,678
Securities gains (losses)	$52,000	1,436
Applicable income taxes	$0	4,489
Income before extraordinary items	$3,574,000	1,416
Extraordinary gains, net	$0	21
Net income	$3,574,000	1,417
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,574,000	1,417
Net charge-offs	$121,000	1,984
Cash dividends	$3,100,000	687
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$3,522,000	1,408
2015-06-30 (YTD Data)		Rank
Total interest income	$7,864,000	1,589
Total interest expense	$465,000	2,592
Net interest income	$7,399,000	1,503
Provision for loan and lease losses	$131,000	1,934
Total noninterest income	$2,540,000	1,132
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$452,000	1,320
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,088,000	937
Total noninterest expense	$7,206,000	1,367
Salaries and employee benefits	$4,410,000	1,264
Premises and equipment expense	$1,038,000	1,165
Additional noninterest expense	$1,758,000	1,730
Pre-tax net operating income	$2,602,000	1,529
Securities gains (losses)	$52,000	1,207
Applicable income taxes	$0	4,497
Income before extraordinary items	$2,654,000	1,288
Extraordinary gains, net	$0	22
Net income	$2,654,000	1,289
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,654,000	1,289
Net charge-offs	$63,000	2,134
Cash dividends	$2,350,000	619
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,602,000	1,277
2015-03-31 (YTD Data)		Rank
Total interest income	$3,831,000	1,621
Total interest expense	$227,000	2,652
Net interest income	$3,604,000	1,530
Provision for loan and lease losses	$64,000	1,862
Total noninterest income	$1,255,000	1,097
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$224,000	1,307
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,031,000	904
Total noninterest expense	$3,518,000	1,390
Salaries and employee benefits	$2,148,000	1,295
Premises and equipment expense	$523,000	1,159
Additional noninterest expense	$847,000	1,779
Pre-tax net operating income	$1,277,000	1,521
Securities gains (losses)	$0	2,027
Applicable income taxes	$0	4,400
Income before extraordinary items	$1,277,000	1,295
Extraordinary gains, net	$0	13
Net income	$1,277,000	1,296
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,277,000	1,297
Net charge-offs	$14,000	2,324
Cash dividends	$1,300,000	529
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,277,000	1,257
2014-12-31 (YTD Data)		Rank
Total interest income	$15,014,000	1,674
Total interest expense	$900,000	2,784
Net interest income	$14,114,000	1,571
Provision for loan and lease losses	$443,000	1,585
Total noninterest income	$4,840,000	1,126
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,003,000	1,286
Trading account gains and fees	$0	180
Additional Noninterest Income	$3,837,000	927
Total noninterest expense	$13,960,000	1,384
Salaries and employee benefits	$8,417,000	1,267
Premises and equipment expense	$2,127,000	1,121
Additional noninterest expense	$3,416,000	1,807
Pre-tax net operating income	$4,551,000	1,657
Securities gains (losses)	$7,000	2,776
Applicable income taxes	$0	4,531
Income before extraordinary items	$4,558,000	1,420
Extraordinary gains, net	$0	17
Net income	$4,558,000	1,418
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,558,000	1,419
Net charge-offs	$105,000	3,139
Cash dividends	$2,910,000	949
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$4,551,000	1,393
2014-09-30 (YTD Data)		Rank
Total interest income	$11,214,000	1,681
Total interest expense	$651,000	2,915
Net interest income	$10,563,000	1,577
Provision for loan and lease losses	$331,000	1,536
Total noninterest income	$3,304,000	1,195
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$722,000	1,350
Trading account gains and fees	$0	174
Additional Noninterest Income	$2,582,000	1,012
Total noninterest expense	$10,352,000	1,403
Salaries and employee benefits	$6,256,000	1,282
Premises and equipment expense	$1,566,000	1,155
Additional noninterest expense	$2,530,000	1,825
Pre-tax net operating income	$3,184,000	1,764
Securities gains (losses)	$7,000	2,468
Applicable income taxes	$0	4,583
Income before extraordinary items	$3,191,000	1,487
Extraordinary gains, net	$0	15
Net income	$3,191,000	1,487
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,191,000	1,487
Net charge-offs	$101,000	2,679
Cash dividends	$2,295,000	832
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$3,184,000	1,473
2014-06-30 (YTD Data)		Rank
Total interest income	$7,377,000	1,690
Total interest expense	$424,000	3,007
Net interest income	$6,953,000	1,585
Provision for loan and lease losses	$219,000	1,566
Total noninterest income	$1,929,000	1,317
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$468,000	1,371
Trading account gains and fees	$0	172
Additional Noninterest Income	$1,461,000	1,116
Total noninterest expense	$6,841,000	1,415
Salaries and employee benefits	$4,155,000	1,287
Premises and equipment expense	$1,034,000	1,183
Additional noninterest expense	$1,652,000	1,857
Pre-tax net operating income	$1,822,000	1,955
Securities gains (losses)	$3,000	2,288
Applicable income taxes	$0	4,568
Income before extraordinary items	$1,825,000	1,657
Extraordinary gains, net	$0	20
Net income	$1,825,000	1,660
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,825,000	1,659
Net charge-offs	$87,000	2,314
Cash dividends	$1,380,000	900
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,822,000	1,632
2014-03-31 (YTD Data)		Rank
Total interest income	$3,697,000	1,684
Total interest expense	$210,000	3,059
Net interest income	$3,487,000	1,569
Provision for loan and lease losses	$109,000	1,517
Total noninterest income	$1,048,000	1,205
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$226,000	1,389
Trading account gains and fees	$0	147
Additional Noninterest Income	$822,000	987
Total noninterest expense	$3,415,000	1,427
Salaries and employee benefits	$2,096,000	1,298
Premises and equipment expense	$517,000	1,198
Additional noninterest expense	$802,000	1,884
Pre-tax net operating income	$1,011,000	1,748
Securities gains (losses)	$0	1,715
Applicable income taxes	$0	4,445
Income before extraordinary items	$1,011,000	1,476
Extraordinary gains, net	$0	16
Net income	$1,011,000	1,479
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,011,000	1,479
Net charge-offs	$50,000	1,867
Cash dividends	$600,000	900
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,011,000	1,456
2013-12-31 (YTD Data)		Rank
Total interest income	$14,583,000	1,704
Total interest expense	$942,000	3,081
Net interest income	$13,641,000	1,594
Provision for loan and lease losses	$612,000	1,611
Total noninterest income	$5,996,000	991
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,005,000	1,351
Trading account gains and fees	$0	184
Additional Noninterest Income	$4,991,000	801
Total noninterest expense	$14,628,000	1,351
Salaries and employee benefits	$8,483,000	1,255
Premises and equipment expense	$2,190,000	1,086
Additional noninterest expense	$3,955,000	1,633
Pre-tax net operating income	$4,397,000	1,586
Securities gains (losses)	$340,000	629
Applicable income taxes	$0	4,631
Income before extraordinary items	$4,737,000	1,289
Extraordinary gains, net	$0	29
Net income	$4,737,000	1,290
Minority interest net income	$0	90
Net income of bank and minority interests.	$4,737,000	1,292
Net charge-offs	$216,000	2,930
Cash dividends	$3,120,000	844
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$4,397,000	1,355
2013-09-30 (YTD Data)		Rank
Total interest income	$10,829,000	1,734
Total interest expense	$714,000	3,133
Net interest income	$10,115,000	1,612
Provision for loan and lease losses	$460,000	1,600
Total noninterest income	$5,046,000	923
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$753,000	1,360
Trading account gains and fees	$0	180
Additional Noninterest Income	$4,293,000	746
Total noninterest expense	$11,100,000	1,345
Salaries and employee benefits	$6,445,000	1,248
Premises and equipment expense	$1,629,000	1,095
Additional noninterest expense	$3,026,000	1,603
Pre-tax net operating income	$3,601,000	1,504
Securities gains (losses)	$303,000	628
Applicable income taxes	$0	4,713
Income before extraordinary items	$3,904,000	1,190
Extraordinary gains, net	$0	25
Net income	$3,904,000	1,191
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,904,000	1,192
Net charge-offs	$148,000	2,881
Cash dividends	$2,400,000	755
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$3,601,000	1,246
2013-06-30 (YTD Data)		Rank
Total interest income	$7,139,000	1,751
Total interest expense	$479,000	3,171
Net interest income	$6,660,000	1,617
Provision for loan and lease losses	$307,000	1,612
Total noninterest income	$3,258,000	951
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$495,000	1,347
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,763,000	777
Total noninterest expense	$7,557,000	1,321
Salaries and employee benefits	$4,389,000	1,221
Premises and equipment expense	$1,079,000	1,099
Additional noninterest expense	$2,089,000	1,561
Pre-tax net operating income	$2,054,000	1,681
Securities gains (losses)	$304,000	550
Applicable income taxes	$0	4,679
Income before extraordinary items	$2,358,000	1,286
Extraordinary gains, net	$0	22
Net income	$2,358,000	1,289
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,358,000	1,289
Net charge-offs	$25,000	3,858
Cash dividends	$1,550,000	772
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$2,054,000	1,413
2013-03-31 (YTD Data)		Rank
Total interest income	$3,487,000	1,812
Total interest expense	$247,000	3,182
Net interest income	$3,240,000	1,673
Provision for loan and lease losses	$154,000	1,590
Total noninterest income	$1,207,000	1,174
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$235,000	1,405
Trading account gains and fees	$0	148
Additional Noninterest Income	$972,000	1,017
Total noninterest expense	$3,730,000	1,349
Salaries and employee benefits	$2,217,000	1,220
Premises and equipment expense	$523,000	1,163
Additional noninterest expense	$990,000	1,627
Pre-tax net operating income	$563,000	2,659
Securities gains (losses)	$302,000	319
Applicable income taxes	$0	4,602
Income before extraordinary items	$865,000	1,673
Extraordinary gains, net	$0	10
Net income	$865,000	1,674
Minority interest net income	$0	76
Net income of bank and minority interests.	$865,000	1,675
Net charge-offs	$3,000	3,820
Cash dividends	$440,000	1,040
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$563,000	2,269
2012-12-31 (YTD Data)		Rank
Total interest income	$13,350,000	1,968
Total interest expense	$1,121,000	3,338
Net interest income	$12,229,000	1,795
Provision for loan and lease losses	$174,000	4,135
Total noninterest income	$5,572,000	1,062
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$937,000	1,496
Trading account gains and fees	$0	166
Additional Noninterest Income	$4,635,000	862
Total noninterest expense	$14,207,000	1,389
Salaries and employee benefits	$7,908,000	1,300
Premises and equipment expense	$2,221,000	1,072
Additional noninterest expense	$4,078,000	1,654
Pre-tax net operating income	$3,420,000	1,862
Securities gains (losses)	$820,000	639
Applicable income taxes	$0	4,751
Income before extraordinary items	$4,240,000	1,382
Extraordinary gains, net	$0	29
Net income	$4,240,000	1,383
Minority interest net income	$0	93
Net income of bank and minority interests.	$4,240,000	1,383
Net charge-offs	$169,000	3,939
Cash dividends	$2,828,000	923
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,420,000	1,579
2012-09-30 (YTD Data)		Rank
Total interest income	$9,931,000	2,021
Total interest expense	$851,000	3,433
Net interest income	$9,080,000	1,833
Provision for loan and lease losses	$162,000	3,784
Total noninterest income	$3,943,000	1,100
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$705,000	1,498
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,238,000	888
Total noninterest expense	$10,367,000	1,425
Salaries and employee benefits	$5,702,000	1,358
Premises and equipment expense	$1,686,000	1,068
Additional noninterest expense	$2,979,000	1,686
Pre-tax net operating income	$2,494,000	1,980
Securities gains (losses)	$689,000	588
Applicable income taxes	$0	4,802
Income before extraordinary items	$3,183,000	1,410
Extraordinary gains, net	$0	20
Net income	$3,183,000	1,411
Minority interest net income	$0	86
Net income of bank and minority interests.	$3,183,000	1,411
Net charge-offs	$156,000	3,552
Cash dividends	$2,078,000	748
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,494,000	1,649
2012-06-30 (YTD Data)		Rank
Total interest income	$6,519,000	2,053
Total interest expense	$571,000	3,513
Net interest income	$5,948,000	1,864
Provision for loan and lease losses	$110,000	3,752
Total noninterest income	$2,549,000	1,108
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$473,000	1,486
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,076,000	887
Total noninterest expense	$6,864,000	1,428
Salaries and employee benefits	$3,712,000	1,388
Premises and equipment expense	$1,090,000	1,104
Additional noninterest expense	$2,062,000	1,622
Pre-tax net operating income	$1,523,000	2,117
Securities gains (losses)	$689,000	406
Applicable income taxes	$0	4,770
Income before extraordinary items	$2,212,000	1,344
Extraordinary gains, net	$0	19
Net income	$2,212,000	1,344
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,212,000	1,344
Net charge-offs	$45,000	4,124
Cash dividends	$1,278,000	799
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,523,000	1,771
2012-03-31 (YTD Data)		Rank
Total interest income	$3,241,000	2,089
Total interest expense	$294,000	3,551
Net interest income	$2,947,000	1,883
Provision for loan and lease losses	$55,000	3,595
Total noninterest income	$1,301,000	1,089
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$243,000	1,435
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,058,000	868
Total noninterest expense	$3,542,000	1,382
Salaries and employee benefits	$1,894,000	1,368
Premises and equipment expense	$551,000	1,088
Additional noninterest expense	$1,097,000	1,533
Pre-tax net operating income	$651,000	2,382
Securities gains (losses)	$321,000	429
Applicable income taxes	$0	4,704
Income before extraordinary items	$972,000	1,506
Extraordinary gains, net	$0	19
Net income	$972,000	1,507
Minority interest net income	$0	78
Net income of bank and minority interests.	$972,000	1,507
Net charge-offs	$44,000	3,112
Cash dividends	$622,000	731
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$651,000	2,019
2011-12-31 (YTD Data)		Rank
Total interest income	$12,995,000	2,144
Total interest expense	$1,519,000	3,412
Net interest income	$11,476,000	1,916
Provision for loan and lease losses	$774,000	2,795
Total noninterest income	$4,554,000	1,119
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$1,123,000	1,315
Trading account gains and fees	$0	146
Additional Noninterest Income	$3,431,000	949
Total noninterest expense	$12,983,000	1,504
Salaries and employee benefits	$7,201,000	1,379
Premises and equipment expense	$2,149,000	1,165
Additional noninterest expense	$3,633,000	1,853
Pre-tax net operating income	$2,273,000	2,274
Securities gains (losses)	$173,000	1,574
Applicable income taxes	$0	4,719
Income before extraordinary items	$2,446,000	1,910
Extraordinary gains, net	$0	29
Net income	$2,446,000	1,911
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,446,000	1,911
Net charge-offs	$274,000	3,905
Cash dividends	$861,000	1,795
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,273,000	1,942
2011-09-30 (YTD Data)		Rank
Total interest income	$9,811,000	2,153
Total interest expense	$1,174,000	3,459
Net interest income	$8,637,000	1,913
Provision for loan and lease losses	$658,000	2,531
Total noninterest income	$3,505,000	1,108
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$863,000	1,290
Trading account gains and fees	$0	145
Additional Noninterest Income	$2,642,000	922
Total noninterest expense	$9,662,000	1,517
Salaries and employee benefits	$5,298,000	1,403
Premises and equipment expense	$1,601,000	1,180
Additional noninterest expense	$2,763,000	1,841
Pre-tax net operating income	$1,822,000	2,244
Securities gains (losses)	$172,000	1,318
Applicable income taxes	$0	4,740
Income before extraordinary items	$1,994,000	1,841
Extraordinary gains, net	$0	21
Net income	$1,994,000	1,841
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,994,000	1,841
Net charge-offs	$290,000	3,284
Cash dividends	$861,000	1,296
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,822,000	1,883
2011-06-30 (YTD Data)		Rank
Total interest income	$6,604,000	2,163
Total interest expense	$796,000	3,530
Net interest income	$5,808,000	1,899
Provision for loan and lease losses	$543,000	2,214
Total noninterest income	$2,290,000	1,109
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$594,000	1,214
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,696,000	934
Total noninterest expense	$6,444,000	1,527
Salaries and employee benefits	$3,539,000	1,412
Premises and equipment expense	$1,059,000	1,212
Additional noninterest expense	$1,846,000	1,844
Pre-tax net operating income	$1,111,000	2,369
Securities gains (losses)	$16,000	2,184
Applicable income taxes	$0	4,697
Income before extraordinary items	$1,127,000	2,053
Extraordinary gains, net	$0	15
Net income	$1,127,000	2,053
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,127,000	2,053
Net charge-offs	$197,000	3,135
Cash dividends	$511,000	1,384
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,111,000	2,014
2011-03-31 (YTD Data)		Rank
Total interest income	$3,203,000	2,238
Total interest expense	$408,000	3,552
Net interest income	$2,795,000	1,966
Provision for loan and lease losses	$119,000	3,182
Total noninterest income	$889,000	1,323
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$298,000	1,195
Trading account gains and fees	$0	158
Additional Noninterest Income	$591,000	1,194
Total noninterest expense	$3,188,000	1,544
Salaries and employee benefits	$1,751,000	1,445
Premises and equipment expense	$533,000	1,227
Additional noninterest expense	$904,000	1,871
Pre-tax net operating income	$377,000	3,086
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$377,000	2,789
Extraordinary gains, net	$0	9
Net income	$377,000	2,788
Minority interest net income	$0	86
Net income of bank and minority interests.	$377,000	2,789
Net charge-offs	$159,000	2,305
Cash dividends	$116,000	1,816
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$377,000	2,732
2010-12-31 (YTD Data)		Rank
Total interest income	$13,244,000	2,274
Total interest expense	$2,040,000	3,502
Net interest income	$11,204,000	1,939
Provision for loan and lease losses	$1,940,000	2,115
Total noninterest income	$3,959,000	1,279
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,375,000	1,098
Trading account gains and fees	$0	175
Additional Noninterest Income	$2,584,000	1,169
Total noninterest expense	$12,456,000	1,600
Salaries and employee benefits	$6,740,000	1,463
Premises and equipment expense	$2,112,000	1,226
Additional noninterest expense	$3,604,000	1,966
Pre-tax net operating income	$767,000	3,799
Securities gains (losses)	$1,069,000	459
Applicable income taxes	$2,000	4,467
Income before extraordinary items	$1,834,000	2,169
Extraordinary gains, net	$0	29
Net income	$1,834,000	2,171
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,834,000	2,172
Net charge-offs	$2,176,000	1,771
Cash dividends	$1,194,000	1,308
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$765,000	3,553
2010-09-30 (YTD Data)		Rank
Total interest income	$10,124,000	2,286
Total interest expense	$1,566,000	3,582
Net interest income	$8,558,000	1,939
Provision for loan and lease losses	$411,000	3,864
Total noninterest income	$2,616,000	1,374
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$1,053,000	1,110
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,563,000	1,304
Total noninterest expense	$9,210,000	1,606
Salaries and employee benefits	$4,978,000	1,491
Premises and equipment expense	$1,580,000	1,242
Additional noninterest expense	$2,652,000	1,952
Pre-tax net operating income	$1,553,000	2,311
Securities gains (losses)	$405,000	885
Applicable income taxes	$0	4,726
Income before extraordinary items	$1,958,000	1,682
Extraordinary gains, net	$0	23
Net income	$1,958,000	1,686
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,958,000	1,686
Net charge-offs	$442,000	3,242
Cash dividends	$906,000	1,133
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,553,000	1,985
2010-06-30 (YTD Data)		Rank
Total interest income	$6,697,000	2,327
Total interest expense	$1,067,000	3,636
Net interest income	$5,630,000	1,967
Provision for loan and lease losses	$273,000	3,771
Total noninterest income	$1,631,000	1,430
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$693,000	1,131
Trading account gains and fees	$0	152
Additional Noninterest Income	$938,000	1,354
Total noninterest expense	$6,083,000	1,623
Salaries and employee benefits	$3,279,000	1,512
Premises and equipment expense	$1,036,000	1,278
Additional noninterest expense	$1,768,000	1,952
Pre-tax net operating income	$905,000	2,568
Securities gains (losses)	$325,000	673
Applicable income taxes	$0	4,691
Income before extraordinary items	$1,230,000	1,770
Extraordinary gains, net	$0	19
Net income	$1,230,000	1,769
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,230,000	1,770
Net charge-offs	$417,000	2,655
Cash dividends	$706,000	982
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$905,000	2,207
2010-03-31 (YTD Data)		Rank
Total interest income	$3,279,000	2,432
Total interest expense	$548,000	3,684
Net interest income	$2,731,000	2,041
Provision for loan and lease losses	$136,000	3,572
Total noninterest income	$778,000	1,478
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$340,000	1,151
Trading account gains and fees	$0	175
Additional Noninterest Income	$438,000	1,424
Total noninterest expense	$3,013,000	1,661
Salaries and employee benefits	$1,613,000	1,547
Premises and equipment expense	$536,000	1,276
Additional noninterest expense	$864,000	1,969
Pre-tax net operating income	$360,000	3,020
Securities gains (losses)	$325,000	363
Applicable income taxes	$0	4,611
Income before extraordinary items	$685,000	1,595
Extraordinary gains, net	$0	16
Net income	$685,000	1,597
Minority interest net income	$0	91
Net income of bank and minority interests.	$685,000	1,597
Net charge-offs	$65,000	3,502
Cash dividends	$330,000	998
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$360,000	2,644
2009-12-31 (YTD Data)		Rank
Total interest income	$13,941,000	2,388
Total interest expense	$2,889,000	3,510
Net interest income	$11,052,000	1,992
Provision for loan and lease losses	$1,535,000	2,861
Total noninterest income	$4,183,000	1,258
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,650,000	1,054
Trading account gains and fees	$0	211
Additional Noninterest Income	$2,533,000	1,164
Total noninterest expense	$12,030,000	1,690
Salaries and employee benefits	$6,157,000	1,618
Premises and equipment expense	$2,027,000	1,336
Additional noninterest expense	$3,846,000	1,911
Pre-tax net operating income	$1,670,000	2,203
Securities gains (losses)	$0	3,754
Applicable income taxes	$0	4,388
Income before extraordinary items	$1,670,000	1,939
Extraordinary gains, net	$0	34
Net income	$1,670,000	1,936
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,670,000	1,938
Net charge-offs	$1,198,000	2,658
Cash dividends	$1,436,000	1,239
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,670,000	1,899
2009-09-30 (YTD Data)		Rank
Total interest income	$10,566,000	2,412
Total interest expense	$2,206,000	3,595
Net interest income	$8,360,000	1,976
Provision for loan and lease losses	$1,281,000	2,434
Total noninterest income	$3,399,000	1,201
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$1,243,000	1,050
Trading account gains and fees	$0	212
Additional Noninterest Income	$2,156,000	1,094
Total noninterest expense	$9,082,000	1,671
Salaries and employee benefits	$4,665,000	1,611
Premises and equipment expense	$1,521,000	1,349
Additional noninterest expense	$2,896,000	1,848
Pre-tax net operating income	$1,396,000	2,174
Securities gains (losses)	$0	3,497
Applicable income taxes	$0	4,592
Income before extraordinary items	$1,396,000	1,902
Extraordinary gains, net	$0	27
Net income	$1,396,000	1,901
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,396,000	1,902
Net charge-offs	$966,000	2,234
Cash dividends	$1,126,000	1,127
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,396,000	1,859
2009-06-30 (YTD Data)		Rank
Total interest income	$7,060,000	2,440
Total interest expense	$1,515,000	3,644
Net interest income	$5,545,000	1,976
Provision for loan and lease losses	$715,000	2,463
Total noninterest income	$2,428,000	1,144
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$804,000	1,066
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,624,000	1,031
Total noninterest expense	$6,143,000	1,678
Salaries and employee benefits	$3,094,000	1,651
Premises and equipment expense	$999,000	1,395
Additional noninterest expense	$2,050,000	1,778
Pre-tax net operating income	$1,115,000	1,941
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$1,115,000	1,669
Extraordinary gains, net	$0	21
Net income	$1,115,000	1,666
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,115,000	1,668
Net charge-offs	$595,000	2,143
Cash dividends	$840,000	1,087
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,115,000	1,632
2009-03-31 (YTD Data)		Rank
Total interest income	$3,334,000	2,601
Total interest expense	$662,000	4,099
Net interest income	$2,672,000	2,046
Provision for loan and lease losses	$45,000	4,992
Total noninterest income	$959,000	1,333
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$374,000	1,117
Trading account gains and fees	$0	171
Additional Noninterest Income	$585,000	1,255
Total noninterest expense	$2,739,000	1,812
Salaries and employee benefits	$1,444,000	1,794
Premises and equipment expense	$452,000	1,572
Additional noninterest expense	$843,000	1,905
Pre-tax net operating income	$847,000	1,515
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$847,000	1,297
Extraordinary gains, net	$0	15
Net income	$847,000	1,297
Minority interest net income	$0	102
Net income of bank and minority interests.	$847,000	1,298
Net charge-offs	$2,000	5,430
Cash dividends	$470,000	946
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$847,000	1,226
2008-12-31 (YTD Data)		Rank
Total interest income	$13,403,000	2,754
Total interest expense	$3,868,000	3,597
Net interest income	$9,535,000	2,306
Provision for loan and lease losses	$447,000	3,982
Total noninterest income	$7,033,000	797
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,503,000	1,195
Trading account gains and fees	$0	154
Additional Noninterest Income	$5,530,000	601
Total noninterest expense	$10,775,000	1,806
Salaries and employee benefits	$5,818,000	1,752
Premises and equipment expense	$1,461,000	1,881
Additional noninterest expense	$3,496,000	1,751
Pre-tax net operating income	$5,346,000	1,039
Securities gains (losses)	$166,000	807
Applicable income taxes	$-119,000	7,120
Income before extraordinary items	$5,631,000	721
Extraordinary gains, net	$0	39
Net income	$5,631,000	721
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$379,000	3,195
Cash dividends	$1,700,000	1,554
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$5,465,000	793
2008-09-30 (YTD Data)		Rank
Total interest income	$10,210,000	2,770
Total interest expense	$3,045,000	3,584
Net interest income	$7,165,000	2,317
Provision for loan and lease losses	$174,000	4,439
Total noninterest income	$6,003,000	746
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$1,135,000	1,198
Trading account gains and fees	$0	148
Additional Noninterest Income	$4,868,000	567
Total noninterest expense	$7,787,000	1,853
Salaries and employee benefits	$4,388,000	1,767
Premises and equipment expense	$1,049,000	1,944
Additional noninterest expense	$2,350,000	1,881
Pre-tax net operating income	$5,207,000	968
Securities gains (losses)	$167,000	696
Applicable income taxes	$-119,000	7,565
Income before extraordinary items	$5,493,000	657
Extraordinary gains, net	$0	31
Net income	$5,493,000	656
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$304,000	2,541
Cash dividends	$1,230,000	1,560
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$5,326,000	718
2008-06-30 (YTD Data)		Rank
Total interest income	$6,923,000	2,757
Total interest expense	$2,081,000	3,643
Net interest income	$4,842,000	2,280
Provision for loan and lease losses	$152,000	3,585
Total noninterest income	$2,068,000	1,294
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$745,000	1,196
Trading account gains and fees	$0	149
Additional Noninterest Income	$1,323,000	1,153
Total noninterest expense	$5,283,000	1,822
Salaries and employee benefits	$2,955,000	1,765
Premises and equipment expense	$699,000	1,939
Additional noninterest expense	$1,629,000	1,779
Pre-tax net operating income	$1,475,000	2,227
Securities gains (losses)	$160,000	703
Applicable income taxes	$-119,000	7,890
Income before extraordinary items	$1,754,000	1,562
Extraordinary gains, net	$0	21
Net income	$1,754,000	1,562
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$296,000	1,824
Cash dividends	$645,000	1,964
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,594,000	1,668
2008-03-31 (YTD Data)		Rank
Total interest income	$3,562,000	2,741
Total interest expense	$1,106,000	3,648
Net interest income	$2,456,000	2,251
Provision for loan and lease losses	$130,000	2,351
Total noninterest income	$1,419,000	1,007
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$366,000	1,202
Trading account gains and fees	$0	158
Additional Noninterest Income	$1,053,000	826
Total noninterest expense	$2,631,000	1,829
Salaries and employee benefits	$1,490,000	1,766
Premises and equipment expense	$345,000	1,975
Additional noninterest expense	$796,000	1,783
Pre-tax net operating income	$1,114,000	1,620
Securities gains (losses)	$160,000	518
Applicable income taxes	$0	5,622
Income before extraordinary items	$1,274,000	1,180
Extraordinary gains, net	$0	15
Net income	$1,274,000	1,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$294,000	993
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$1,114,000	1,315
2007-12-31 (YTD Data)		Rank
Total interest income	$14,067,000	2,850
Total interest expense	$4,270,000	3,840
Net interest income	$9,797,000	2,285
Provision for loan and lease losses	$89,000	5,085
Total noninterest income	$3,307,000	1,525
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,403,000	1,271
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,904,000	1,405
Total noninterest expense	$9,059,000	2,029
Salaries and employee benefits	$5,242,000	1,919
Premises and equipment expense	$1,266,000	2,064
Additional noninterest expense	$2,551,000	2,144
Pre-tax net operating income	$3,956,000	2,002
Securities gains (losses)	$-168,000	8,237
Applicable income taxes	$0	6,070
Income before extraordinary items	$3,788,000	1,671
Extraordinary gains, net	$0	39
Net income	$3,788,000	1,670
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	4,033
Cash dividends	$1,733,000	1,805
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$3,956,000	1,600
2007-09-30 (YTD Data)		Rank
Total interest income	$10,466,000	2,871
Total interest expense	$3,093,000	3,936
Net interest income	$7,373,000	2,283
Provision for loan and lease losses	$63,000	4,794
Total noninterest income	$2,756,000	1,399
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$979,000	1,347
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,777,000	1,224
Total noninterest expense	$6,677,000	2,042
Salaries and employee benefits	$3,754,000	1,998
Premises and equipment expense	$946,000	2,050
Additional noninterest expense	$1,977,000	2,030
Pre-tax net operating income	$3,389,000	1,903
Securities gains (losses)	$-168,000	8,365
Applicable income taxes	$0	6,220
Income before extraordinary items	$3,221,000	1,570
Extraordinary gains, net	$0	33
Net income	$3,221,000	1,569
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	5,136
Cash dividends	$1,383,000	1,607
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$3,389,000	1,495
2007-06-30 (YTD Data)		Rank
Total interest income	$6,840,000	2,947
Total interest expense	$1,925,000	4,111
Net interest income	$4,915,000	2,312
Provision for loan and lease losses	$37,000	4,716
Total noninterest income	$927,000	2,349
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$598,000	1,477
Trading account gains and fees	$0	168
Additional Noninterest Income	$329,000	2,875
Total noninterest expense	$4,428,000	2,076
Salaries and employee benefits	$2,514,000	2,025
Premises and equipment expense	$636,000	2,037
Additional noninterest expense	$1,278,000	2,102
Pre-tax net operating income	$1,377,000	2,829
Securities gains (losses)	$-168,000	8,456
Applicable income taxes	$0	6,265
Income before extraordinary items	$1,209,000	2,625
Extraordinary gains, net	$0	29
Net income	$1,209,000	2,624
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	4,346
Cash dividends	$803,000	1,798
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,377,000	2,342
2007-03-31 (YTD Data)		Rank
Total interest income	$3,300,000	3,020
Total interest expense	$884,000	4,318
Net interest income	$2,416,000	2,353
Provision for loan and lease losses	$18,000	4,475
Total noninterest income	$437,000	2,411
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$276,000	1,551
Trading account gains and fees	$0	195
Additional Noninterest Income	$161,000	2,888
Total noninterest expense	$2,183,000	2,118
Salaries and employee benefits	$1,291,000	1,991
Premises and equipment expense	$309,000	2,114
Additional noninterest expense	$583,000	2,244
Pre-tax net operating income	$652,000	2,945
Securities gains (losses)	$-131,000	8,574
Applicable income taxes	$0	6,196
Income before extraordinary items	$521,000	2,932
Extraordinary gains, net	$0	22
Net income	$521,000	2,932
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	3,748
Cash dividends	$328,000	1,888
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$652,000	2,445
2006-12-31 (YTD Data)		Rank
Total interest income	$12,927,000	2,900
Total interest expense	$3,081,000	4,252
Net interest income	$9,846,000	2,314
Provision for loan and lease losses	$99,000	4,783
Total noninterest income	$1,806,000	2,389
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,194,000	1,500
Trading account gains and fees	$0	130
Additional Noninterest Income	$612,000	2,978
Total noninterest expense	$8,821,000	1,996
Salaries and employee benefits	$5,122,000	1,903
Premises and equipment expense	$1,374,000	1,834
Additional noninterest expense	$2,325,000	2,240
Pre-tax net operating income	$2,732,000	2,953
Securities gains (losses)	$-91,000	8,172
Applicable income taxes	$0	6,600
Income before extraordinary items	$2,641,000	2,502
Extraordinary gains, net	$0	51
Net income	$2,641,000	2,503
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	3,443
Cash dividends	$2,846,000	1,180
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,732,000	2,416
2006-09-30 (YTD Data)		Rank
Total interest income	$9,547,000	2,924
Total interest expense	$2,271,000	4,205
Net interest income	$7,276,000	2,378
Provision for loan and lease losses	$99,000	4,127
Total noninterest income	$1,369,000	2,379
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$904,000	1,497
Trading account gains and fees	$0	126
Additional Noninterest Income	$465,000	2,964
Total noninterest expense	$6,564,000	2,015
Salaries and employee benefits	$3,764,000	1,936
Premises and equipment expense	$1,109,000	1,721
Additional noninterest expense	$1,691,000	2,289
Pre-tax net operating income	$1,982,000	3,131
Securities gains (losses)	$-90,000	8,371
Applicable income taxes	$0	6,687
Income before extraordinary items	$1,892,000	2,694
Extraordinary gains, net	$0	45
Net income	$1,892,000	2,697
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	3,229
Cash dividends	$2,260,000	1,037
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,982,000	2,567
2006-06-30 (YTD Data)		Rank
Total interest income	$6,252,000	2,922
Total interest expense	$1,469,000	4,168
Net interest income	$4,783,000	2,414
Provision for loan and lease losses	$99,000	3,359
Total noninterest income	$936,000	2,324
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$619,000	1,440
Trading account gains and fees	$0	126
Additional Noninterest Income	$317,000	2,911
Total noninterest expense	$4,270,000	2,059
Salaries and employee benefits	$2,526,000	1,926
Premises and equipment expense	$706,000	1,794
Additional noninterest expense	$1,038,000	2,471
Pre-tax net operating income	$1,350,000	3,097
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$1,350,000	2,538
Extraordinary gains, net	$0	39
Net income	$1,350,000	2,540
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	2,703
Cash dividends	$1,300,000	1,171
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,350,000	2,517
2006-03-31 (YTD Data)		Rank
Total interest income	$3,098,000	2,892
Total interest expense	$727,000	4,079
Net interest income	$2,371,000	2,422
Provision for loan and lease losses	$53,000	3,054
Total noninterest income	$446,000	2,364
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$296,000	1,443
Trading account gains and fees	$0	115
Additional Noninterest Income	$150,000	2,969
Total noninterest expense	$2,139,000	2,065
Salaries and employee benefits	$1,269,000	1,934
Premises and equipment expense	$358,000	1,776
Additional noninterest expense	$512,000	2,496
Pre-tax net operating income	$625,000	3,220
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$625,000	2,658
Extraordinary gains, net	$0	21
Net income	$625,000	2,658
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	2,694
Cash dividends	$960,000	793
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$625,000	2,638
2005-12-31 (YTD Data)		Rank
Total interest income	$11,958,000	2,715
Total interest expense	$2,782,000	3,535
Net interest income	$9,176,000	2,403
Provision for loan and lease losses	$275,000	3,001
Total noninterest income	$2,283,000	2,008
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$1,382,000	1,289
Trading account gains and fees	$0	138
Additional Noninterest Income	$901,000	2,359
Total noninterest expense	$8,658,000	1,940
Salaries and employee benefits	$5,063,000	1,837
Premises and equipment expense	$1,466,000	1,665
Additional noninterest expense	$2,129,000	2,350
Pre-tax net operating income	$2,526,000	3,141
Securities gains (losses)	$4,000	1,802
Applicable income taxes	$913,000	2,384
Income before extraordinary items	$1,617,000	3,610
Extraordinary gains, net	$0	46
Net income	$1,617,000	3,611
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$201,000	2,280
Cash dividends	$6,024,000	561
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,614,440	3,588
2005-09-30 (YTD Data)		Rank
Total interest income	$8,922,000	2,672
Total interest expense	$2,108,000	3,369
Net interest income	$6,814,000	2,405
Provision for loan and lease losses	$225,000	2,711
Total noninterest income	$1,703,000	2,012
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$1,069,000	1,231
Trading account gains and fees	$0	126
Additional Noninterest Income	$634,000	2,471
Total noninterest expense	$6,538,000	1,915
Salaries and employee benefits	$3,844,000	1,805
Premises and equipment expense	$1,108,000	1,639
Additional noninterest expense	$1,586,000	2,323
Pre-tax net operating income	$1,754,000	3,358
Securities gains (losses)	$0	2,317
Applicable income taxes	$409,000	3,284
Income before extraordinary items	$1,345,000	3,405
Extraordinary gains, net	$0	35
Net income	$1,345,000	3,407
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	2,717
Cash dividends	$5,849,000	419
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,345,000	3,358
2005-06-30 (YTD Data)		Rank
Total interest income	$5,783,000	2,683
Total interest expense	$1,292,000	3,442
Net interest income	$4,491,000	2,402
Provision for loan and lease losses	$150,000	2,598
Total noninterest income	$1,100,000	2,043
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$756,000	1,137
Trading account gains and fees	$0	116
Additional Noninterest Income	$344,000	2,808
Total noninterest expense	$4,339,000	1,908
Salaries and employee benefits	$2,524,000	1,816
Premises and equipment expense	$727,000	1,648
Additional noninterest expense	$1,088,000	2,250
Pre-tax net operating income	$1,102,000	3,462
Securities gains (losses)	$0	2,146
Applicable income taxes	$249,000	3,416
Income before extraordinary items	$853,000	3,482
Extraordinary gains, net	$0	30
Net income	$853,000	3,484
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	2,505
Cash dividends	$1,949,000	758
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$853,000	3,435
2005-03-31 (YTD Data)		Rank
Total interest income	$2,795,000	2,735
Total interest expense	$564,000	3,686
Net interest income	$2,231,000	2,401
Provision for loan and lease losses	$75,000	2,455
Total noninterest income	$557,000	1,976
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$391,000	1,071
Trading account gains and fees	$0	115
Additional Noninterest Income	$166,000	2,792
Total noninterest expense	$2,182,000	1,896
Salaries and employee benefits	$1,308,000	1,766
Premises and equipment expense	$369,000	1,645
Additional noninterest expense	$505,000	2,416
Pre-tax net operating income	$531,000	3,516
Securities gains (losses)	$0	1,685
Applicable income taxes	$117,000	3,511
Income before extraordinary items	$414,000	3,538
Extraordinary gains, net	$0	24
Net income	$414,000	3,539
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	1,554
Cash dividends	$100,000	2,899
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$414,000	3,499
2004-12-31 (YTD Data)		Rank
Total interest income	$10,919,000	2,606
Total interest expense	$1,833,000	3,919
Net interest income	$9,086,000	2,248
Provision for loan and lease losses	$175,000	3,992
Total noninterest income	$2,975,000	1,619
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$1,477,000	1,209
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,498,000	1,640
Total noninterest expense	$8,952,000	1,806
Salaries and employee benefits	$5,037,000	1,748
Premises and equipment expense	$1,425,000	1,631
Additional noninterest expense	$2,490,000	1,951
Pre-tax net operating income	$2,934,000	2,643
Securities gains (losses)	$0	3,819
Applicable income taxes	$744,000	2,641
Income before extraordinary items	$2,190,000	2,705
Extraordinary gains, net	$0	34
Net income	$2,190,000	2,708
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,000	3,475
Cash dividends	$435,000	3,776
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,190,000	2,656
2004-09-30 (YTD Data)		Rank
Total interest income	$8,091,000	2,600
Total interest expense	$1,370,000	3,871
Net interest income	$6,721,000	2,249
Provision for loan and lease losses	$166,000	3,364
Total noninterest income	$1,925,000	1,843
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$1,101,000	1,220
Trading account gains and fees	$0	134
Additional Noninterest Income	$824,000	2,035
Total noninterest expense	$6,423,000	1,864
Salaries and employee benefits	$3,480,000	1,873
Premises and equipment expense	$1,085,000	1,608
Additional noninterest expense	$1,858,000	1,935
Pre-tax net operating income	$2,057,000	2,811
Securities gains (losses)	$-1,000	8,079
Applicable income taxes	$502,000	2,895
Income before extraordinary items	$1,554,000	2,868
Extraordinary gains, net	$0	26
Net income	$1,554,000	2,869
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	3,588
Cash dividends	$175,000	4,140
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,554,760	2,794
2004-06-30 (YTD Data)		Rank
Total interest income	$5,298,000	2,634
Total interest expense	$905,000	3,910
Net interest income	$4,393,000	2,278
Provision for loan and lease losses	$132,000	2,955
Total noninterest income	$1,322,000	1,774
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$707,000	1,250
Trading account gains and fees	$0	130
Additional Noninterest Income	$615,000	1,892
Total noninterest expense	$4,251,000	1,880
Salaries and employee benefits	$2,309,000	1,882
Premises and equipment expense	$701,000	1,650
Additional noninterest expense	$1,241,000	1,923
Pre-tax net operating income	$1,332,000	2,854
Securities gains (losses)	$-2,000	8,438
Applicable income taxes	$327,000	2,923
Income before extraordinary items	$1,003,000	2,930
Extraordinary gains, net	$0	21
Net income	$1,003,000	2,931
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	3,713
Cash dividends	$105,000	4,135
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,004,500	2,841
2004-03-31 (YTD Data)		Rank
Total interest income	$2,614,000	2,673
Total interest expense	$453,000	3,959
Net interest income	$2,161,000	2,304
Provision for loan and lease losses	$66,000	2,819
Total noninterest income	$771,000	1,540
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$342,000	1,253
Trading account gains and fees	$0	121
Additional Noninterest Income	$429,000	1,454
Total noninterest expense	$2,090,000	1,920
Salaries and employee benefits	$1,162,000	1,889
Premises and equipment expense	$352,000	1,667
Additional noninterest expense	$576,000	2,047
Pre-tax net operating income	$776,000	2,483
Securities gains (losses)	$-2,000	8,748
Applicable income taxes	$201,000	2,572
Income before extraordinary items	$573,000	2,618
Extraordinary gains, net	$0	16
Net income	$573,000	2,619
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	2,552
Cash dividends	$75,000	3,114
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$574,480	2,522
2003-12-31 (YTD Data)		Rank
Total interest income	$10,810,000	2,616
Total interest expense	$1,849,000	4,269
Net interest income	$8,961,000	2,163
Provision for loan and lease losses	$552,000	1,997
Total noninterest income	$2,217,000	2,149
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$1,486,000	1,166
Trading account gains and fees	$0	160
Additional Noninterest Income	$731,000	2,884
Total noninterest expense	$8,259,000	1,923
Salaries and employee benefits	$4,629,000	1,862
Premises and equipment expense	$1,398,000	1,630
Additional noninterest expense	$2,232,000	2,159
Pre-tax net operating income	$2,367,000	3,010
Securities gains (losses)	$103,000	1,867
Applicable income taxes	$596,000	3,076
Income before extraordinary items	$1,874,000	3,017
Extraordinary gains, net	$0	54
Net income	$1,874,000	3,016
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$340,000	2,081
Cash dividends	$616,000	3,150
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,795,720	2,966
2003-09-30 (YTD Data)		Rank
Total interest income	$7,817,000	2,757
Total interest expense	$1,380,000	4,405
Net interest income	$6,437,000	2,272
Provision for loan and lease losses	$414,000	1,974
Total noninterest income	$1,664,000	2,187
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$1,117,000	1,166
Trading account gains and fees	$0	153
Additional Noninterest Income	$547,000	2,968
Total noninterest expense	$6,197,000	1,918
Salaries and employee benefits	$3,199,000	2,011
Premises and equipment expense	$1,057,000	1,623
Additional noninterest expense	$1,941,000	1,850
Pre-tax net operating income	$1,490,000	3,531
Securities gains (losses)	$102,000	1,734
Applicable income taxes	$374,000	3,524
Income before extraordinary items	$1,218,000	3,463
Extraordinary gains, net	$0	40
Net income	$1,218,000	3,462
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$280,000	1,783
Cash dividends	$566,000	2,500
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,139,460	3,473
2003-06-30 (YTD Data)		Rank
Total interest income	$5,231,000	2,774
Total interest expense	$918,000	4,524
Net interest income	$4,313,000	2,257
Provision for loan and lease losses	$276,000	1,966
Total noninterest income	$1,129,000	2,160
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$747,000	1,144
Trading account gains and fees	$0	150
Additional Noninterest Income	$382,000	2,869
Total noninterest expense	$4,121,000	1,916
Salaries and employee benefits	$2,146,000	1,988
Premises and equipment expense	$694,000	1,651
Additional noninterest expense	$1,281,000	1,874
Pre-tax net operating income	$1,045,000	3,412
Securities gains (losses)	$102,000	1,496
Applicable income taxes	$275,000	3,391
Income before extraordinary items	$872,000	3,288
Extraordinary gains, net	$0	30
Net income	$872,000	3,288
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$251,000	1,410
Cash dividends	$565,000	1,979
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$794,480	3,332
2003-03-31 (YTD Data)		Rank
Total interest income	$2,594,000	2,814
Total interest expense	$458,000	4,615
Net interest income	$2,136,000	2,278
Provision for loan and lease losses	$138,000	1,897
Total noninterest income	$548,000	2,141
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$366,000	1,129
Trading account gains and fees	$0	134
Additional Noninterest Income	$182,000	2,877
Total noninterest expense	$2,038,000	1,919
Salaries and employee benefits	$1,078,000	1,970
Premises and equipment expense	$341,000	1,674
Additional noninterest expense	$619,000	1,892
Pre-tax net operating income	$508,000	3,449
Securities gains (losses)	$102,000	992
Applicable income taxes	$150,000	3,221
Income before extraordinary items	$460,000	3,131
Extraordinary gains, net	$0	21
Net income	$460,000	3,129
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	2,492
Cash dividends	$55,000	3,359
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$383,500	3,406
2002-12-31 (YTD Data)		Rank
Total interest income	$11,400,000	2,679
Total interest expense	$2,575,000	4,010
Net interest income	$8,825,000	2,194
Provision for loan and lease losses	$540,000	2,260
Total noninterest income	$2,103,000	2,047
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,333,000	1,215
Trading account gains and fees	$0	153
Additional Noninterest Income	$770,000	2,561
Total noninterest expense	$8,181,000	1,850
Salaries and employee benefits	$4,427,000	1,821
Premises and equipment expense	$1,337,000	1,643
Additional noninterest expense	$2,417,000	1,910
Pre-tax net operating income	$2,207,000	3,201
Securities gains (losses)	$151,000	1,383
Applicable income taxes	$606,000	3,104
Income before extraordinary items	$1,752,000	3,100
Extraordinary gains, net	$0	70
Net income	$1,752,000	3,099
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	3,648
Cash dividends	$225,000	4,750
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,640,260	3,172
2001-12-31 (YTD Data)		Rank
Total interest income	$12,228,000	2,767
Total interest expense	$4,033,000	3,773
Net interest income	$8,195,000	2,194
Provision for loan and lease losses	$875,000	1,390
Total noninterest income	$1,758,000	2,235
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$1,051,000	1,420
Trading account gains and fees	$0	177
Additional Noninterest Income	$707,000	2,558
Total noninterest expense	$7,168,000	2,000
Salaries and employee benefits	$4,084,000	1,831
Premises and equipment expense	$1,315,000	1,639
Additional noninterest expense	$1,769,000	2,510
Pre-tax net operating income	$1,910,000	3,285
Securities gains (losses)	$47,000	2,415
Applicable income taxes	$610,000	2,940
Income before extraordinary items	$1,347,000	3,501
Extraordinary gains, net	$0	105
Net income	$1,347,000	3,504
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$616,000	1,340
Cash dividends	$315,000	4,292
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,314,570	3,465
2000-12-31 (YTD Data)		Rank
Total interest income	$11,329,000	3,046
Total interest expense	$3,357,000	4,518
Net interest income	$7,972,000	2,236
Provision for loan and lease losses	$458,000	2,025
Total noninterest income	$1,763,000	2,053
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$686,000	2,024
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,077,000	1,774
Total noninterest expense	$6,628,000	2,080
Salaries and employee benefits	$3,237,000	2,208
Premises and equipment expense	$1,263,000	1,646
Additional noninterest expense	$2,128,000	2,038
Pre-tax net operating income	$2,649,000	2,634
Securities gains (losses)	$0	1,956
Applicable income taxes	$893,000	2,327
Income before extraordinary items	$1,756,000	2,855
Extraordinary gains, net	$0	38
Net income	$1,756,000	2,854
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$458,000	1,325
Cash dividends	$260,000	4,713
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,756,000	2,853
1999-12-31 (YTD Data)		Rank
Total interest income	$9,283,000	3,439
Total interest expense	$2,323,000	5,459
Net interest income	$6,960,000	2,527
Provision for loan and lease losses	$280,000	2,822
Total noninterest income	$1,950,000	1,892
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$580,000	2,313
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,370,000	1,488
Total noninterest expense	$5,494,000	2,464
Salaries and employee benefits	$2,574,000	2,725
Premises and equipment expense	$1,034,000	1,982
Additional noninterest expense	$1,886,000	2,320
Pre-tax net operating income	$3,136,000	2,314
Securities gains (losses)	$0	3,155
Applicable income taxes	$1,106,000	2,056
Income before extraordinary items	$2,030,000	2,560
Extraordinary gains, net	$0	35
Net income	$2,030,000	2,560
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$261,000	2,020
Cash dividends	$280,000	4,672
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,030,000	2,523
1998-12-31 (YTD Data)		Rank
Total interest income	$7,903,000	3,983
Total interest expense	$2,116,000	5,984
Net interest income	$5,787,000	2,980
Provision for loan and lease losses	$220,000	3,309
Total noninterest income	$1,988,000	1,844
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$501,000	2,560
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,487,000	1,409
Total noninterest expense	$5,198,000	2,502
Salaries and employee benefits	$2,334,000	2,899
Premises and equipment expense	$1,069,000	1,846
Additional noninterest expense	$1,795,000	2,329
Pre-tax net operating income	$2,357,000	2,933
Securities gains (losses)	$0	4,449
Applicable income taxes	$792,000	2,763
Income before extraordinary items	$1,565,000	3,147
Extraordinary gains, net	$0	32
Net income	$1,565,000	3,148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$136,000	3,097
Cash dividends	$341,000	4,311
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,565,000	3,056
1997-12-31 (YTD Data)		Rank
Total interest income	$6,276,000	4,879
Total interest expense	$1,578,000	7,158
Net interest income	$4,698,000	3,692
Provision for loan and lease losses	$200,000	3,424
Total noninterest income	$1,512,000	2,180
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$447,000	2,909
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,065,000	1,676
Total noninterest expense	$4,433,000	2,866
Salaries and employee benefits	$2,100,000	3,159
Premises and equipment expense	$864,000	2,283
Additional noninterest expense	$1,469,000	2,782
Pre-tax net operating income	$1,577,000	4,289
Securities gains (losses)	$0	3,944
Applicable income taxes	$528,000	4,051
Income before extraordinary items	$1,049,000	4,522
Extraordinary gains, net	$1,000	40
Net income	$1,050,000	4,518
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,858
Cash dividends	$219,000	5,207
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,049,000	4,468
1996-12-31 (YTD Data)		Rank
Total interest income	$5,283,000	5,688
Total interest expense	$1,437,000	7,738
Net interest income	$3,846,000	4,476
Provision for loan and lease losses	$284,000	2,698
Total noninterest income	$2,337,000	1,623
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$444,000	3,050
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,893,000	1,196
Total noninterest expense	$3,972,000	3,368
Salaries and employee benefits	$2,216,000	3,012
Premises and equipment expense	$637,000	3,022
Additional noninterest expense	$1,119,000	4,004
Pre-tax net operating income	$1,927,000	3,507
Securities gains (losses)	$0	4,148
Applicable income taxes	$645,000	3,381
Income before extraordinary items	$1,282,000	3,665
Extraordinary gains, net	$0	53
Net income	$1,282,000	3,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$118,000	3,617
Cash dividends	$338,000	4,269
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,282,000	3,610
1995-12-31 (YTD Data)		Rank
Total interest income	$4,187,000	6,809
Total interest expense	$1,136,000	8,792
Net interest income	$3,051,000	5,428
Provision for loan and lease losses	$177,000	3,319
Total noninterest income	$1,214,000	2,693
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$374,000	3,562
Trading account gains and fees	NA	NA
Additional Noninterest Income	$840,000	2,031
Total noninterest expense	$2,830,000	4,492
Salaries and employee benefits	$1,460,000	4,389
Premises and equipment expense	$431,000	4,254
Additional noninterest expense	$939,000	4,597
Pre-tax net operating income	$1,258,000	5,093
Securities gains (losses)	$0	3,831
Applicable income taxes	$443,000	4,575
Income before extraordinary items	$815,000	5,372
Extraordinary gains, net	$0	65
Net income	$815,000	5,369
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$119,000	3,397
Cash dividends	$144,000	6,167
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$815,000	5,348
1994-12-31 (YTD Data)		Rank
Total interest income	$2,951,000	8,133
Total interest expense	$659,000	10,307
Net interest income	$2,292,000	6,879
Provision for loan and lease losses	$180,000	3,202
Total noninterest income	$1,204,000	2,731
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$329,000	4,049
Trading account gains and fees	NA	NA
Additional Noninterest Income	$875,000	2,012
Total noninterest expense	$2,205,000	5,726
Salaries and employee benefits	$1,110,000	5,601
Premises and equipment expense	$273,000	6,120
Additional noninterest expense	$822,000	5,583
Pre-tax net operating income	$1,111,000	5,533
Securities gains (losses)	$0	3,600
Applicable income taxes	$378,000	4,964
Income before extraordinary items	$733,000	5,704
Extraordinary gains, net	$0	249
Net income	$733,000	5,721
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,000	3,202
Cash dividends	$132,000	6,359
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$733,000	5,779
1993-12-31 (YTD Data)		Rank
Total interest income	$2,374,000	9,433
Total interest expense	$610,000	11,081
Net interest income	$1,764,000	8,332
Provision for loan and lease losses	$180,000	4,132
Total noninterest income	$1,272,000	2,786
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$336,000	4,020
Trading account gains and fees	NA	NA
Additional Noninterest Income	$936,000	2,124
Total noninterest expense	$1,704,000	7,176
Salaries and employee benefits	$847,000	7,033
Premises and equipment expense	$171,000	8,352
Additional noninterest expense	$686,000	6,658
Pre-tax net operating income	$1,152,000	5,331
Securities gains (losses)	$0	7,477
Applicable income taxes	$391,000	5,093
Income before extraordinary items	$761,000	5,771
Extraordinary gains, net	$34,000	2,416
Net income	$795,000	5,739
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$126,000	4,062
Cash dividends	$120,000	6,522
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$761,000	5,523
1992-12-31 (YTD Data)		Rank
Total interest income	$2,381,000	10,130
Total interest expense	$827,000	11,202
Net interest income	$1,554,000	9,097
Provision for loan and lease losses	$324,000	3,957
Total noninterest income	$1,023,000	3,260
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$268,000	4,862
Trading account gains and fees	NA	NA
Additional Noninterest Income	$755,000	2,387
Total noninterest expense	$1,533,000	7,791
Salaries and employee benefits	$716,000	7,867
Premises and equipment expense	$177,000	8,387
Additional noninterest expense	$640,000	7,178
Pre-tax net operating income	$720,000	6,995
Securities gains (losses)	$0	8,369
Applicable income taxes	$245,000	6,743
Income before extraordinary items	$475,000	7,541
Extraordinary gains, net	$0	1,422
Net income	$475,000	7,644
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$408,000	2,795
Cash dividends	$110,000	6,380
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$475,000	7,169

* 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.