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BayVanguard Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$43,384,000	1,056
Total interest expense	$7,304,000	1,589
Net interest income	$36,080,000	878
Provision for loan and lease losses	$-45,000	4,265
Total noninterest income	$3,748,000	1,421
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$413,000	1,863
Trading account gains and fees	$0	123
Additional Noninterest Income	$3,335,000	1,173
Total noninterest expense	$19,179,000	1,248
Salaries and employee benefits	$11,987,000	1,164
Premises and equipment expense	$2,020,000	1,207
Additional noninterest expense	$3,335,000	1,173
Pre-tax net operating income	$20,694,000	671
Securities gains (losses)	$0	988
Applicable income taxes	$5,351,000	512
Income before extraordinary items	$15,343,000	721
Extraordinary gains, net	$0	54
Net income	$15,343,000	732
Minority interest net income	$0	88
Net income of bank and minority interests.	$15,343,000	724
Net charge-offs	$-467,000	4,529
Cash dividends	$3,750,000	1,001
Sale, conversion, retirement of capital stock, net	$40,500,000	12
Net operating income	$15,343,000	730
2023-09-30 (YTD Data)		Rank
Total interest income	$31,933,000	1,044
Total interest expense	$5,119,000	1,547
Net interest income	$26,814,000	900
Provision for loan and lease losses	$-484,000	4,502
Total noninterest income	$3,050,000	1,335
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$304,000	1,880
Trading account gains and fees	$0	125
Additional Noninterest Income	$2,746,000	1,097
Total noninterest expense	$14,102,000	1,258
Salaries and employee benefits	$8,673,000	1,199
Premises and equipment expense	$1,490,000	1,223
Additional noninterest expense	$2,746,000	1,097
Pre-tax net operating income	$16,246,000	665
Securities gains (losses)	$0	849
Applicable income taxes	$4,250,000	517
Income before extraordinary items	$11,996,000	716
Extraordinary gains, net	$0	52
Net income	$11,996,000	720
Minority interest net income	$0	81
Net income of bank and minority interests.	$11,996,000	716
Net charge-offs	$-421,000	4,551
Cash dividends	$3,000,000	874
Sale, conversion, retirement of capital stock, net	$40,093,000	11
Net operating income	$11,996,000	733
2023-06-30 (YTD Data)		Rank
Total interest income	$20,228,000	1,062
Total interest expense	$2,713,000	1,676
Net interest income	$17,515,000	925
Provision for loan and lease losses	$-150,000	4,472
Total noninterest income	$2,177,000	1,233
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$195,000	1,910
Trading account gains and fees	$0	112
Additional Noninterest Income	$1,982,000	979
Total noninterest expense	$9,167,000	1,276
Salaries and employee benefits	$5,597,000	1,224
Premises and equipment expense	$989,000	1,223
Additional noninterest expense	$1,982,000	978
Pre-tax net operating income	$10,675,000	665
Securities gains (losses)	$0	938
Applicable income taxes	$2,748,000	529
Income before extraordinary items	$7,927,000	716
Extraordinary gains, net	$0	51
Net income	$7,927,000	728
Minority interest net income	$0	81
Net income of bank and minority interests.	$7,927,000	716
Net charge-offs	$-166,000	4,514
Cash dividends	$2,250,000	795
Sale, conversion, retirement of capital stock, net	$192,000	279
Net operating income	$7,927,000	720
2023-03-31 (YTD Data)		Rank
Total interest income	$9,699,000	1,090
Total interest expense	$953,000	1,880
Net interest income	$8,746,000	933
Provision for loan and lease losses	$2,000	2,559
Total noninterest income	$805,000	1,487
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$94,000	1,971
Trading account gains and fees	$0	97
Additional Noninterest Income	$711,000	1,204
Total noninterest expense	$4,651,000	1,276
Salaries and employee benefits	$2,803,000	1,244
Premises and equipment expense	$518,000	1,215
Additional noninterest expense	$711,000	1,204
Pre-tax net operating income	$4,898,000	735
Securities gains (losses)	$0	950
Applicable income taxes	$1,315,000	552
Income before extraordinary items	$3,583,000	810
Extraordinary gains, net	$0	4
Net income	$3,583,000	808
Minority interest net income	$0	48
Net income of bank and minority interests.	$3,583,000	809
Net charge-offs	$-38,000	4,375
Cash dividends	$1,500,000	586
Sale, conversion, retirement of capital stock, net	$65,000	288
Net operating income	$3,583,000	823
2022-12-31 (YTD Data)		Rank
Total interest income	$33,380,000	1,048
Total interest expense	$1,368,000	2,025
Net interest income	$32,012,000	968
Provision for loan and lease losses	$1,038,000	796
Total noninterest income	$6,624,000	997
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$460,000	1,777
Trading account gains and fees	$0	116
Additional Noninterest Income	$6,164,000	766
Total noninterest expense	$19,884,000	1,182
Salaries and employee benefits	$9,888,000	1,323
Premises and equipment expense	$2,084,000	1,163
Additional noninterest expense	$6,164,000	766
Pre-tax net operating income	$17,714,000	827
Securities gains (losses)	$0	691
Applicable income taxes	$4,491,000	645
Income before extraordinary items	$13,223,000	898
Extraordinary gains, net	$0	5
Net income	$13,223,000	899
Minority interest net income	$0	63
Net income of bank and minority interests.	$13,223,000	899
Net charge-offs	$-109,000	4,298
Cash dividends	$1,900,000	1,560
Sale, conversion, retirement of capital stock, net	$537,000	309
Net operating income	$13,223,000	923
2022-09-30 (YTD Data)		Rank
Total interest income	$23,996,000	1,048
Total interest expense	$988,000	1,779
Net interest income	$23,008,000	993
Provision for loan and lease losses	$587,000	888
Total noninterest income	$3,352,000	1,299
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$344,000	1,788
Trading account gains and fees	$0	111
Additional Noninterest Income	$3,008,000	1,068
Total noninterest expense	$13,539,000	1,279
Salaries and employee benefits	$7,299,000	1,332
Premises and equipment expense	$1,625,000	1,119
Additional noninterest expense	$3,008,000	1,068
Pre-tax net operating income	$12,234,000	876
Securities gains (losses)	$0	740
Applicable income taxes	$3,130,000	672
Income before extraordinary items	$9,104,000	963
Extraordinary gains, net	$0	4
Net income	$9,104,000	962
Minority interest net income	$0	57
Net income of bank and minority interests.	$9,104,000	963
Net charge-offs	$-86,000	4,252
Cash dividends	$1,900,000	1,163
Sale, conversion, retirement of capital stock, net	$464,000	263
Net operating income	$9,104,000	981
2022-06-30 (YTD Data)		Rank
Total interest income	$15,417,000	1,031
Total interest expense	$691,000	1,531
Net interest income	$14,726,000	999
Provision for loan and lease losses	$401,000	780
Total noninterest income	$2,670,000	1,152
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$234,000	1,762
Trading account gains and fees	$0	108
Additional Noninterest Income	$2,436,000	959
Total noninterest expense	$8,959,000	1,276
Salaries and employee benefits	$4,689,000	1,373
Premises and equipment expense	$1,119,000	1,085
Additional noninterest expense	$3,151,000	1,108
Pre-tax net operating income	$8,036,000	841
Securities gains (losses)	$0	687
Applicable income taxes	$1,979,000	664
Income before extraordinary items	$6,057,000	902
Extraordinary gains, net	$0	4
Net income	$6,057,000	902
Minority interest net income	$0	60
Net income of bank and minority interests.	$6,057,000	902
Net charge-offs	$-37,000	4,083
Cash dividends	$1,150,000	1,242
Sale, conversion, retirement of capital stock, net	$393,000	218
Net operating income	$6,057,000	917
2022-03-31 (YTD Data)		Rank
Total interest income	$7,419,000	1,037
Total interest expense	$368,000	1,406
Net interest income	$7,051,000	1,014
Provision for loan and lease losses	$177,000	704
Total noninterest income	$1,488,000	1,068
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$113,000	1,779
Trading account gains and fees	$0	103
Additional Noninterest Income	$1,375,000	889
Total noninterest expense	$4,309,000	1,312
Salaries and employee benefits	$2,342,000	1,381
Premises and equipment expense	$572,000	1,073
Additional noninterest expense	$1,395,000	1,215
Pre-tax net operating income	$4,053,000	817
Securities gains (losses)	$0	623
Applicable income taxes	$1,078,000	620
Income before extraordinary items	$2,975,000	897
Extraordinary gains, net	$0	4
Net income	$2,975,000	896
Minority interest net income	$0	50
Net income of bank and minority interests.	$2,975,000	897
Net charge-offs	$-44,000	4,368
Cash dividends	$450,000	1,241
Sale, conversion, retirement of capital stock, net	$40,000	347
Net operating income	$2,975,000	907
2021-12-31 (YTD Data)		Rank
Total interest income	$29,408,000	1,074
Total interest expense	$1,928,000	1,373
Net interest income	$27,480,000	1,051
Provision for loan and lease losses	$575,000	934
Total noninterest income	$2,342,000	2,067
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$444,000	1,733
Trading account gains and fees	$0	132
Additional Noninterest Income	$1,898,000	1,961
Total noninterest expense	$14,454,000	1,502
Salaries and employee benefits	$7,707,000	1,604
Premises and equipment expense	$2,128,000	1,149
Additional noninterest expense	$4,619,000	1,414
Pre-tax net operating income	$14,793,000	943
Securities gains (losses)	$0	2,062
Applicable income taxes	$3,797,000	746
Income before extraordinary items	$10,996,000	1,070
Extraordinary gains, net	$0	10
Net income	$10,996,000	1,070
Minority interest net income	$0	74
Net income of bank and minority interests.	$10,996,000	1,070
Net charge-offs	$-250,000	4,599
Cash dividends	$1,350,000	1,913
Sale, conversion, retirement of capital stock, net	$405,000	334
Net operating income	$10,996,000	1,054
2021-09-30 (YTD Data)		Rank
Total interest income	$21,673,000	1,117
Total interest expense	$1,532,000	1,378
Net interest income	$20,141,000	1,087
Provision for loan and lease losses	$270,000	1,230
Total noninterest income	$1,817,000	2,075
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$337,000	1,708
Trading account gains and fees	$0	132
Additional Noninterest Income	$1,480,000	1,965
Total noninterest expense	$10,744,000	1,511
Salaries and employee benefits	$5,581,000	1,650
Premises and equipment expense	$1,591,000	1,167
Additional noninterest expense	$3,572,000	1,392
Pre-tax net operating income	$10,944,000	989
Securities gains (losses)	$0	2,015
Applicable income taxes	$2,857,000	773
Income before extraordinary items	$8,087,000	1,123
Extraordinary gains, net	$0	8
Net income	$8,087,000	1,124
Minority interest net income	$0	69
Net income of bank and minority interests.	$8,087,000	1,124
Net charge-offs	$-147,000	4,571
Cash dividends	$900,000	1,825
Sale, conversion, retirement of capital stock, net	$327,000	292
Net operating income	$8,087,000	1,108
2021-06-30 (YTD Data)		Rank
Total interest income	$14,411,000	1,110
Total interest expense	$1,107,000	1,350
Net interest income	$13,304,000	1,080
Provision for loan and lease losses	$180,000	1,246
Total noninterest income	$1,306,000	1,947
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$227,000	1,648
Trading account gains and fees	$0	133
Additional Noninterest Income	$1,079,000	1,839
Total noninterest expense	$6,873,000	1,559
Salaries and employee benefits	$3,202,000	1,836
Premises and equipment expense	$1,062,000	1,154
Additional noninterest expense	$2,609,000	1,271
Pre-tax net operating income	$7,557,000	972
Securities gains (losses)	$0	1,818
Applicable income taxes	$1,960,000	769
Income before extraordinary items	$5,597,000	1,090
Extraordinary gains, net	$0	6
Net income	$5,597,000	1,091
Minority interest net income	$0	67
Net income of bank and minority interests.	$5,597,000	1,091
Net charge-offs	$-116,000	4,627
Cash dividends	$450,000	2,052
Sale, conversion, retirement of capital stock, net	$3,000	505
Net operating income	$5,597,000	1,068
2021-03-31 (YTD Data)		Rank
Total interest income	$7,341,000	1,079
Total interest expense	$597,000	1,318
Net interest income	$6,744,000	1,056
Provision for loan and lease losses	$90,000	1,312
Total noninterest income	$759,000	1,789
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$117,000	1,628
Trading account gains and fees	$0	127
Additional Noninterest Income	$642,000	1,660
Total noninterest expense	$3,333,000	1,585
Salaries and employee benefits	$1,487,000	1,923
Premises and equipment expense	$533,000	1,160
Additional noninterest expense	$1,313,000	1,240
Pre-tax net operating income	$4,080,000	895
Securities gains (losses)	$0	1,392
Applicable income taxes	$1,025,000	732
Income before extraordinary items	$3,055,000	1,003
Extraordinary gains, net	$0	3
Net income	$3,055,000	1,003
Minority interest net income	$0	55
Net income of bank and minority interests.	$3,055,000	1,003
Net charge-offs	$-97,000	4,760
Cash dividends	$450,000	1,278
Sale, conversion, retirement of capital stock, net	$1,000	476
Net operating income	$3,055,000	976
2020-12-31 (YTD Data)		Rank
Total interest income	$18,230,000	1,612
Total interest expense	$2,469,000	1,718
Net interest income	$15,761,000	1,587
Provision for loan and lease losses	$695,000	1,946
Total noninterest income	$1,651,000	2,327
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$228,000	2,595
Trading account gains and fees	$0	133
Additional Noninterest Income	$1,423,000	2,118
Total noninterest expense	$10,076,000	1,955
Salaries and employee benefits	$5,892,000	1,923
Premises and equipment expense	$1,304,000	1,687
Additional noninterest expense	$2,880,000	1,982
Pre-tax net operating income	$6,641,000	1,434
Securities gains (losses)	$0	2,675
Applicable income taxes	$1,459,000	1,154
Income before extraordinary items	$5,182,000	1,589
Extraordinary gains, net	$0	4
Net income	$5,182,000	1,589
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,182,000	1,589
Net charge-offs	$147,000	1,737
Cash dividends	$53,911,000	151
Sale, conversion, retirement of capital stock, net	$9,000	548
Net operating income	$5,182,000	1,549
2020-09-30 (YTD Data)		Rank
Total interest income	$11,799,000	1,831
Total interest expense	$1,832,000	1,815
Net interest income	$9,967,000	1,817
Provision for loan and lease losses	$293,000	2,452
Total noninterest income	$964,000	2,569
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$122,000	3,020
Trading account gains and fees	$0	125
Additional Noninterest Income	$842,000	2,323
Total noninterest expense	$6,625,000	2,114
Salaries and employee benefits	$4,006,000	2,037
Premises and equipment expense	$808,000	1,927
Additional noninterest expense	$1,811,000	2,223
Pre-tax net operating income	$4,013,000	1,671
Securities gains (losses)	$0	2,494
Applicable income taxes	$982,000	1,193
Income before extraordinary items	$3,031,000	1,888
Extraordinary gains, net	$0	4
Net income	$3,031,000	1,887
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,031,000	1,888
Net charge-offs	$11,000	2,718
Cash dividends	$29,911,000	173
Sale, conversion, retirement of capital stock, net	$7,000	516
Net operating income	$3,031,000	1,844
2020-06-30 (YTD Data)		Rank
Total interest income	$7,531,000	1,921
Total interest expense	$1,222,000	1,895
Net interest income	$6,309,000	1,874
Provision for loan and lease losses	$233,000	2,272
Total noninterest income	$443,000	2,954
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$82,000	3,048
Trading account gains and fees	$0	123
Additional Noninterest Income	$361,000	2,717
Total noninterest expense	$4,389,000	2,119
Salaries and employee benefits	$2,635,000	2,065
Premises and equipment expense	$496,000	2,040
Additional noninterest expense	$1,258,000	2,156
Pre-tax net operating income	$2,130,000	1,913
Securities gains (losses)	$0	2,249
Applicable income taxes	$586,000	1,219
Income before extraordinary items	$1,544,000	2,201
Extraordinary gains, net	$0	4
Net income	$1,544,000	2,201
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,544,000	2,201
Net charge-offs	$54,000	1,691
Cash dividends	$29,911,000	135
Sale, conversion, retirement of capital stock, net	$5,000	487
Net operating income	$1,544,000	2,166
2020-03-31 (YTD Data)		Rank
Total interest income	$3,508,000	2,010
Total interest expense	$582,000	2,095
Net interest income	$2,926,000	1,957
Provision for loan and lease losses	$76,000	2,166
Total noninterest income	$186,000	3,105
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$48,000	3,105
Trading account gains and fees	$0	106
Additional Noninterest Income	$138,000	2,852
Total noninterest expense	$2,143,000	2,173
Salaries and employee benefits	$1,308,000	2,079
Premises and equipment expense	$208,000	2,290
Additional noninterest expense	$627,000	2,180
Pre-tax net operating income	$893,000	2,000
Securities gains (losses)	$0	1,705
Applicable income taxes	$222,000	1,312
Income before extraordinary items	$671,000	2,241
Extraordinary gains, net	$0	4
Net income	$671,000	2,240
Minority interest net income	$0	56
Net income of bank and minority interests.	$671,000	2,241
Net charge-offs	$5,000	2,107
Cash dividends	$29,911,000	108
Sale, conversion, retirement of capital stock, net	$2,000	469
Net operating income	$671,000	2,210
2019-12-31 (YTD Data)		Rank
Total interest income	$12,147,000	2,261
Total interest expense	$1,740,000	2,566
Net interest income	$10,407,000	2,161
Provision for loan and lease losses	$110,000	2,880
Total noninterest income	$507,000	3,665
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$176,000	3,314
Trading account gains and fees	$0	135
Additional Noninterest Income	$331,000	3,473
Total noninterest expense	$7,463,000	2,349
Salaries and employee benefits	$4,362,000	2,301
Premises and equipment expense	$732,000	2,474
Additional noninterest expense	$2,369,000	2,293
Pre-tax net operating income	$3,341,000	2,309
Securities gains (losses)	$0	2,379
Applicable income taxes	$865,000	1,542
Income before extraordinary items	$2,476,000	2,581
Extraordinary gains, net	$0	11
Net income	$2,476,000	2,582
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,476,000	2,583
Net charge-offs	$610,000	918
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$75,000	507
Net operating income	$2,476,000	2,546
2019-09-30 (YTD Data)		Rank
Total interest income	$8,945,000	2,324
Total interest expense	$1,266,000	2,617
Net interest income	$7,679,000	2,231
Provision for loan and lease losses	$80,000	2,806
Total noninterest income	$254,000	4,088
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$127,000	3,408
Trading account gains and fees	$0	129
Additional Noninterest Income	$127,000	4,122
Total noninterest expense	$5,330,000	2,433
Salaries and employee benefits	$3,226,000	2,340
Premises and equipment expense	$511,000	2,602
Additional noninterest expense	$1,593,000	2,459
Pre-tax net operating income	$2,523,000	2,351
Securities gains (losses)	$0	2,167
Applicable income taxes	$660,000	1,573
Income before extraordinary items	$1,863,000	2,646
Extraordinary gains, net	$0	11
Net income	$1,863,000	2,647
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,863,000	2,647
Net charge-offs	$503,000	764
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$72,000	451
Net operating income	$1,863,000	2,606
2019-06-30 (YTD Data)		Rank
Total interest income	$5,572,000	2,434
Total interest expense	$777,000	2,707
Net interest income	$4,795,000	2,355
Provision for loan and lease losses	$50,000	2,768
Total noninterest income	$199,000	3,950
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$75,000	3,543
Trading account gains and fees	$0	131
Additional Noninterest Income	$124,000	3,788
Total noninterest expense	$3,474,000	2,477
Salaries and employee benefits	$2,064,000	2,414
Premises and equipment expense	$331,000	2,648
Additional noninterest expense	$1,079,000	2,453
Pre-tax net operating income	$1,470,000	2,542
Securities gains (losses)	$0	1,702
Applicable income taxes	$392,000	1,636
Income before extraordinary items	$1,078,000	2,843
Extraordinary gains, net	$0	11
Net income	$1,078,000	2,842
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,078,000	2,842
Net charge-offs	$185,000	1,046
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$69,000	398
Net operating income	$1,078,000	2,817
2019-03-31 (YTD Data)		Rank
Total interest income	$2,316,000	2,763
Total interest expense	$294,000	3,073
Net interest income	$2,022,000	2,655
Provision for loan and lease losses	$20,000	2,754
Total noninterest income	$65,000	4,354
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$27,000	3,946
Trading account gains and fees	$0	126
Additional Noninterest Income	$38,000	4,205
Total noninterest expense	$1,680,000	2,560
Salaries and employee benefits	$852,000	2,762
Premises and equipment expense	$167,000	2,664
Additional noninterest expense	$661,000	2,123
Pre-tax net operating income	$387,000	3,433
Securities gains (losses)	$0	1,087
Applicable income taxes	$89,000	2,241
Income before extraordinary items	$298,000	3,639
Extraordinary gains, net	$0	5
Net income	$298,000	3,638
Minority interest net income	$0	52
Net income of bank and minority interests.	$298,000	3,638
Net charge-offs	$65,000	1,074
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$65,000	282
Net operating income	$298,000	3,625
2018-12-31 (YTD Data)		Rank
Total interest income	$6,842,000	3,199
Total interest expense	$804,000	3,258
Net interest income	$6,038,000	3,154
Provision for loan and lease losses	$44,000	3,558
Total noninterest income	$455,000	3,899
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$122,000	3,931
Trading account gains and fees	$0	126
Additional Noninterest Income	$333,000	3,563
Total noninterest expense	$5,268,000	2,953
Salaries and employee benefits	$2,534,000	3,258
Premises and equipment expense	$691,000	2,599
Additional noninterest expense	$2,043,000	2,567
Pre-tax net operating income	$1,181,000	3,843
Securities gains (losses)	$0	1,125
Applicable income taxes	$512,000	1,955
Income before extraordinary items	$669,000	4,313
Extraordinary gains, net	$0	6
Net income	$669,000	4,312
Minority interest net income	$0	72
Net income of bank and minority interests.	$669,000	4,312
Net charge-offs	$75,000	2,355
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$97,000	491
Net operating income	$669,000	4,320
2018-09-30 (YTD Data)		Rank
Total interest income	$5,099,000	3,222
Total interest expense	$589,000	3,224
Net interest income	$4,510,000	3,188
Provision for loan and lease losses	$14,000	3,718
Total noninterest income	$346,000	3,922
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$91,000	3,969
Trading account gains and fees	$0	138
Additional Noninterest Income	$255,000	3,563
Total noninterest expense	$3,967,000	2,960
Salaries and employee benefits	$1,945,000	3,219
Premises and equipment expense	$516,000	2,618
Additional noninterest expense	$1,506,000	2,604
Pre-tax net operating income	$875,000	3,929
Securities gains (losses)	$0	1,118
Applicable income taxes	$458,000	1,871
Income before extraordinary items	$417,000	4,560
Extraordinary gains, net	$0	5
Net income	$417,000	4,558
Minority interest net income	$0	66
Net income of bank and minority interests.	$417,000	4,559
Net charge-offs	$69,000	1,989
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$69,000	468
Net operating income	$417,000	4,564
2018-06-30 (YTD Data)		Rank
Total interest income	$3,408,000	3,201
Total interest expense	$382,000	3,197
Net interest income	$3,026,000	3,181
Provision for loan and lease losses	$-6,000	5,289
Total noninterest income	$228,000	3,948
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$57,000	4,070
Trading account gains and fees	$0	130
Additional Noninterest Income	$171,000	3,578
Total noninterest expense	$2,599,000	3,015
Salaries and employee benefits	$1,284,000	3,263
Premises and equipment expense	$360,000	2,549
Additional noninterest expense	$955,000	2,699
Pre-tax net operating income	$661,000	3,770
Securities gains (losses)	$0	961
Applicable income taxes	$410,000	1,594
Income before extraordinary items	$251,000	4,650
Extraordinary gains, net	$0	6
Net income	$251,000	4,648
Minority interest net income	$0	65
Net income of bank and minority interests.	$251,000	4,648
Net charge-offs	$11,000	2,549
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$42,000	459
Net operating income	$251,000	4,659
2018-03-31 (YTD Data)		Rank
Total interest income	$1,657,000	3,262
Total interest expense	$196,000	3,110
Net interest income	$1,461,000	3,253
Provision for loan and lease losses	$60,000	1,880
Total noninterest income	$80,000	4,346
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$26,000	4,184
Trading account gains and fees	$0	123
Additional Noninterest Income	$54,000	4,069
Total noninterest expense	$1,327,000	2,998
Salaries and employee benefits	$655,000	3,247
Premises and equipment expense	$179,000	2,616
Additional noninterest expense	$493,000	2,660
Pre-tax net operating income	$154,000	4,589
Securities gains (losses)	$0	735
Applicable income taxes	$34,000	2,948
Income before extraordinary items	$120,000	4,675
Extraordinary gains, net	$0	7
Net income	$120,000	4,674
Minority interest net income	$0	52
Net income of bank and minority interests.	$120,000	4,675
Net charge-offs	$35,000	1,373
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$19,000	438
Net operating income	$120,000	4,680
2017-12-31 (YTD Data)		Rank
Total interest income	$6,807,000	3,176
Total interest expense	$783,000	2,956
Net interest income	$6,024,000	3,169
Provision for loan and lease losses	$330,000	1,873
Total noninterest income	$308,000	4,467
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$112,000	4,214
Trading account gains and fees	$0	151
Additional Noninterest Income	$196,000	4,232
Total noninterest expense	$4,905,000	3,124
Salaries and employee benefits	$2,579,000	3,270
Premises and equipment expense	$668,000	2,732
Additional noninterest expense	$1,658,000	3,019
Pre-tax net operating income	$1,097,000	3,944
Securities gains (losses)	$0	2,243
Applicable income taxes	$894,000	1,969
Income before extraordinary items	$203,000	5,031
Extraordinary gains, net	$0	9
Net income	$203,000	5,031
Minority interest net income	$0	76
Net income of bank and minority interests.	$203,000	5,031
Net charge-offs	$634,000	945
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$63,000	539
Net operating income	$203,000	5,016
2017-09-30 (YTD Data)		Rank
Total interest income	$5,142,000	3,189
Total interest expense	$582,000	2,955
Net interest income	$4,560,000	3,175
Provision for loan and lease losses	$270,000	1,724
Total noninterest income	$207,000	4,636
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$80,000	4,300
Trading account gains and fees	$0	145
Additional Noninterest Income	$127,000	4,423
Total noninterest expense	$3,673,000	3,144
Salaries and employee benefits	$1,920,000	3,301
Premises and equipment expense	$501,000	2,758
Additional noninterest expense	$1,252,000	3,010
Pre-tax net operating income	$824,000	4,030
Securities gains (losses)	$0	2,274
Applicable income taxes	$307,000	2,466
Income before extraordinary items	$517,000	4,388
Extraordinary gains, net	$0	9
Net income	$517,000	4,387
Minority interest net income	$0	71
Net income of bank and minority interests.	$517,000	4,388
Net charge-offs	$335,000	1,054
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$47,000	509
Net operating income	$517,000	4,379
2017-06-30 (YTD Data)		Rank
Total interest income	$3,460,000	3,161
Total interest expense	$385,000	2,933
Net interest income	$3,075,000	3,159
Provision for loan and lease losses	$210,000	1,505
Total noninterest income	$132,000	4,691
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$55,000	4,285
Trading account gains and fees	$0	139
Additional Noninterest Income	$77,000	4,530
Total noninterest expense	$2,435,000	3,175
Salaries and employee benefits	$1,263,000	3,343
Premises and equipment expense	$335,000	2,769
Additional noninterest expense	$837,000	3,011
Pre-tax net operating income	$562,000	3,977
Securities gains (losses)	$0	1,906
Applicable income taxes	$218,000	2,404
Income before extraordinary items	$344,000	4,360
Extraordinary gains, net	$0	11
Net income	$344,000	4,359
Minority interest net income	$0	71
Net income of bank and minority interests.	$344,000	4,360
Net charge-offs	$248,000	932
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$25,000	519
Net operating income	$344,000	4,345
2017-03-31 (YTD Data)		Rank
Total interest income	$1,719,000	3,179
Total interest expense	$193,000	2,921
Net interest income	$1,526,000	3,177
Provision for loan and lease losses	$135,000	1,235
Total noninterest income	$40,000	5,144
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$27,000	4,309
Trading account gains and fees	$0	142
Additional Noninterest Income	$13,000	5,246
Total noninterest expense	$1,149,000	3,330
Salaries and employee benefits	$629,000	3,387
Premises and equipment expense	$169,000	2,792
Additional noninterest expense	$351,000	3,376
Pre-tax net operating income	$282,000	3,924
Securities gains (losses)	$0	1,153
Applicable income taxes	$100,000	2,429
Income before extraordinary items	$182,000	4,252
Extraordinary gains, net	$0	8
Net income	$182,000	4,252
Minority interest net income	$0	55
Net income of bank and minority interests.	$182,000	4,252
Net charge-offs	$124,000	813
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$11,000	500
Net operating income	$182,000	4,236
2016-12-31 (YTD Data)		Rank
Total interest income	$6,844,000	3,169
Total interest expense	$784,000	2,852
Net interest income	$6,060,000	3,179
Provision for loan and lease losses	$1,443,000	671
Total noninterest income	$255,000	4,831
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$125,000	4,251
Trading account gains and fees	$0	170
Additional Noninterest Income	$130,000	4,781
Total noninterest expense	$5,236,000	3,092
Salaries and employee benefits	$2,532,000	3,377
Premises and equipment expense	$662,000	2,846
Additional noninterest expense	$2,042,000	2,719
Pre-tax net operating income	$-364,000	5,763
Securities gains (losses)	$0	3,212
Applicable income taxes	$-162,000	5,795
Income before extraordinary items	$-202,000	5,739
Extraordinary gains, net	$0	5
Net income	$-202,000	5,738
Minority interest net income	$0	82
Net income of bank and minority interests.	$-202,000	5,738
Net charge-offs	$1,090,000	613
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$55,000	568
Net operating income	$-202,000	5,729
2016-09-30 (YTD Data)		Rank
Total interest income	$5,145,000	3,173
Total interest expense	$586,000	2,862
Net interest income	$4,559,000	3,175
Provision for loan and lease losses	$1,368,000	546
Total noninterest income	$153,000	5,085
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$92,000	4,296
Trading account gains and fees	$0	169
Additional Noninterest Income	$61,000	5,150
Total noninterest expense	$3,960,000	3,079
Salaries and employee benefits	$1,910,000	3,366
Premises and equipment expense	$505,000	2,814
Additional noninterest expense	$1,545,000	2,711
Pre-tax net operating income	$-616,000	5,892
Securities gains (losses)	$0	3,160
Applicable income taxes	$-255,000	5,913
Income before extraordinary items	$-361,000	5,870
Extraordinary gains, net	$0	5
Net income	$-361,000	5,870
Minority interest net income	$0	71
Net income of bank and minority interests.	$-361,000	5,870
Net charge-offs	$955,000	494
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$44,000	526
Net operating income	$-361,000	5,865
2016-06-30 (YTD Data)		Rank
Total interest income	$3,398,000	3,203
Total interest expense	$386,000	2,887
Net interest income	$3,012,000	3,206
Provision for loan and lease losses	$1,251,000	424
Total noninterest income	$85,000	5,280
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$63,000	4,284
Trading account gains and fees	$0	157
Additional Noninterest Income	$22,000	5,498
Total noninterest expense	$2,706,000	3,053
Salaries and employee benefits	$1,285,000	3,374
Premises and equipment expense	$336,000	2,836
Additional noninterest expense	$1,085,000	2,619
Pre-tax net operating income	$-860,000	6,010
Securities gains (losses)	$0	2,835
Applicable income taxes	$-336,000	6,015
Income before extraordinary items	$-524,000	5,989
Extraordinary gains, net	$0	16
Net income	$-524,000	5,988
Minority interest net income	$0	71
Net income of bank and minority interests.	$-524,000	5,988
Net charge-offs	$915,000	383
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$24,000	541
Net operating income	$-524,000	5,983
2016-03-31 (YTD Data)		Rank
Total interest income	$1,743,000	3,153
Total interest expense	$193,000	2,905
Net interest income	$1,550,000	3,155
Provision for loan and lease losses	$240,000	835
Total noninterest income	$89,000	4,534
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$32,000	4,246
Trading account gains and fees	$0	142
Additional Noninterest Income	$57,000	4,264
Total noninterest expense	$1,276,000	3,178
Salaries and employee benefits	$631,000	3,423
Premises and equipment expense	$178,000	2,755
Additional noninterest expense	$467,000	2,892
Pre-tax net operating income	$123,000	4,908
Securities gains (losses)	$0	2,077
Applicable income taxes	$41,000	3,097
Income before extraordinary items	$82,000	5,164
Extraordinary gains, net	$0	12
Net income	$82,000	5,164
Minority interest net income	$0	62
Net income of bank and minority interests.	$82,000	5,164
Net charge-offs	$369,000	421
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$12,000	502
Net operating income	$82,000	5,111
2015-12-31 (YTD Data)		Rank
Total interest income	$6,809,000	3,175
Total interest expense	$712,000	3,033
Net interest income	$6,097,000	3,157
Provision for loan and lease losses	$496,000	1,376
Total noninterest income	$165,000	5,360
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$98,000	4,735
Trading account gains and fees	$0	159
Additional Noninterest Income	$67,000	5,360
Total noninterest expense	$4,880,000	3,281
Salaries and employee benefits	$2,363,000	3,548
Premises and equipment expense	$656,000	2,933
Additional noninterest expense	$1,861,000	2,942
Pre-tax net operating income	$886,000	4,254
Securities gains (losses)	$-1,000	5,649
Applicable income taxes	$243,000	2,812
Income before extraordinary items	$642,000	4,513
Extraordinary gains, net	$0	23
Net income	$642,000	4,514
Minority interest net income	$0	81
Net income of bank and minority interests.	$642,000	4,514
Net charge-offs	$557,000	1,076
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$34,000	643
Net operating income	$642,730	4,468
2015-09-30 (YTD Data)		Rank
Total interest income	$5,116,000	3,195
Total interest expense	$524,000	3,104
Net interest income	$4,592,000	3,172
Provision for loan and lease losses	$391,000	1,270
Total noninterest income	$15,000	6,134
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$67,000	4,900
Trading account gains and fees	$0	153
Additional Noninterest Income	$-52,000	6,198
Total noninterest expense	$3,683,000	3,275
Salaries and employee benefits	$1,736,000	3,612
Premises and equipment expense	$487,000	2,998
Additional noninterest expense	$1,460,000	2,842
Pre-tax net operating income	$533,000	4,658
Securities gains (losses)	$0	3,031
Applicable income taxes	$131,000	3,116
Income before extraordinary items	$402,000	4,847
Extraordinary gains, net	$0	21
Net income	$402,000	4,849
Minority interest net income	$0	78
Net income of bank and minority interests.	$402,000	4,851
Net charge-offs	$428,000	959
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$45,000	546
Net operating income	$402,000	4,791
2015-06-30 (YTD Data)		Rank
Total interest income	$3,362,000	3,241
Total interest expense	$347,000	3,144
Net interest income	$3,015,000	3,204
Provision for loan and lease losses	$301,000	1,094
Total noninterest income	$-68,000	6,307
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$44,000	4,933
Trading account gains and fees	$0	157
Additional Noninterest Income	$-112,000	6,299
Total noninterest expense	$2,401,000	3,355
Salaries and employee benefits	$1,115,000	3,726
Premises and equipment expense	$321,000	3,026
Additional noninterest expense	$965,000	2,887
Pre-tax net operating income	$245,000	5,071
Securities gains (losses)	$0	2,636
Applicable income taxes	$14,000	3,964
Income before extraordinary items	$231,000	4,997
Extraordinary gains, net	$0	22
Net income	$231,000	4,999
Minority interest net income	$0	75
Net income of bank and minority interests.	$231,000	5,001
Net charge-offs	$315,000	881
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$33,000	514
Net operating income	$231,000	4,935
2015-03-31 (YTD Data)		Rank
Total interest income	$1,725,000	3,184
Total interest expense	$176,000	3,136
Net interest income	$1,549,000	3,142
Provision for loan and lease losses	$139,000	1,192
Total noninterest income	$-63,000	6,381
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$22,000	4,927
Trading account gains and fees	$0	152
Additional Noninterest Income	$-85,000	6,375
Total noninterest expense	$1,196,000	3,374
Salaries and employee benefits	$565,000	3,723
Premises and equipment expense	$165,000	3,008
Additional noninterest expense	$466,000	2,938
Pre-tax net operating income	$151,000	4,828
Securities gains (losses)	$0	2,027
Applicable income taxes	$-16,000	6,274
Income before extraordinary items	$167,000	4,552
Extraordinary gains, net	$0	13
Net income	$167,000	4,554
Minority interest net income	$0	64
Net income of bank and minority interests.	$167,000	4,556
Net charge-offs	$127,000	959
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$14,000	516
Net operating income	$167,000	4,471
2014-12-31 (YTD Data)		Rank
Total interest income	$7,378,000	3,061
Total interest expense	$746,000	3,176
Net interest income	$6,632,000	3,013
Provision for loan and lease losses	$730,000	1,093
Total noninterest income	$640,000	3,878
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$105,000	4,920
Trading account gains and fees	$0	180
Additional Noninterest Income	$535,000	3,181
Total noninterest expense	$5,234,000	3,212
Salaries and employee benefits	$2,419,000	3,548
Premises and equipment expense	$719,000	2,878
Additional noninterest expense	$2,096,000	2,782
Pre-tax net operating income	$1,308,000	3,711
Securities gains (losses)	$0	3,259
Applicable income taxes	$499,000	2,211
Income before extraordinary items	$809,000	4,286
Extraordinary gains, net	$0	17
Net income	$809,000	4,286
Minority interest net income	$0	84
Net income of bank and minority interests.	$809,000	4,287
Net charge-offs	$347,000	1,864
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$55,000	620
Net operating income	$809,000	4,242
2014-09-30 (YTD Data)		Rank
Total interest income	$5,600,000	3,050
Total interest expense	$563,000	3,219
Net interest income	$5,037,000	3,001
Provision for loan and lease losses	$580,000	1,021
Total noninterest income	$388,000	4,264
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$79,000	4,978
Trading account gains and fees	$0	174
Additional Noninterest Income	$309,000	3,593
Total noninterest expense	$3,930,000	3,229
Salaries and employee benefits	$1,810,000	3,563
Premises and equipment expense	$560,000	2,818
Additional noninterest expense	$1,560,000	2,799
Pre-tax net operating income	$915,000	3,899
Securities gains (losses)	$0	2,980
Applicable income taxes	$363,000	2,287
Income before extraordinary items	$552,000	4,465
Extraordinary gains, net	$0	15
Net income	$552,000	4,465
Minority interest net income	$0	81
Net income of bank and minority interests.	$552,000	4,466
Net charge-offs	$241,000	1,800
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$44,000	578
Net operating income	$552,000	4,422
2014-06-30 (YTD Data)		Rank
Total interest income	$3,733,000	3,055
Total interest expense	$379,000	3,238
Net interest income	$3,354,000	3,002
Provision for loan and lease losses	$444,000	936
Total noninterest income	$131,000	5,197
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$53,000	4,987
Trading account gains and fees	$0	172
Additional Noninterest Income	$78,000	4,857
Total noninterest expense	$2,523,000	3,319
Salaries and employee benefits	$1,210,000	3,586
Premises and equipment expense	$389,000	2,765
Additional noninterest expense	$924,000	3,079
Pre-tax net operating income	$518,000	4,121
Securities gains (losses)	$0	2,580
Applicable income taxes	$199,000	2,423
Income before extraordinary items	$319,000	4,630
Extraordinary gains, net	$0	20
Net income	$319,000	4,632
Minority interest net income	$0	80
Net income of bank and minority interests.	$319,000	4,633
Net charge-offs	$325,000	1,198
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$32,000	535
Net operating income	$319,000	4,578
2014-03-31 (YTD Data)		Rank
Total interest income	$1,857,000	3,078
Total interest expense	$193,000	3,249
Net interest income	$1,664,000	3,028
Provision for loan and lease losses	$127,000	1,409
Total noninterest income	$77,000	4,994
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$26,000	5,010
Trading account gains and fees	$0	147
Additional Noninterest Income	$51,000	4,536
Total noninterest expense	$1,274,000	3,332
Salaries and employee benefits	$635,000	3,506
Premises and equipment expense	$196,000	2,796
Additional noninterest expense	$443,000	3,180
Pre-tax net operating income	$340,000	3,597
Securities gains (losses)	$0	1,715
Applicable income taxes	$128,000	2,140
Income before extraordinary items	$212,000	4,152
Extraordinary gains, net	$0	16
Net income	$212,000	4,152
Minority interest net income	$0	66
Net income of bank and minority interests.	$212,000	4,154
Net charge-offs	$76,000	1,541
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$11,000	559
Net operating income	$212,000	4,100
2013-12-31 (YTD Data)		Rank
Total interest income	$7,100,000	3,214
Total interest expense	$851,000	3,309
Net interest income	$6,249,000	3,172
Provision for loan and lease losses	$616,000	1,605
Total noninterest income	$286,000	5,200
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$112,000	5,081
Trading account gains and fees	$0	184
Additional Noninterest Income	$174,000	4,790
Total noninterest expense	$4,670,000	3,569
Salaries and employee benefits	$2,308,000	3,744
Premises and equipment expense	$632,000	3,188
Additional noninterest expense	$1,730,000	3,297
Pre-tax net operating income	$1,249,000	3,706
Securities gains (losses)	$2,000	2,972
Applicable income taxes	$588,000	1,986
Income before extraordinary items	$663,000	4,527
Extraordinary gains, net	$0	29
Net income	$663,000	4,531
Minority interest net income	$0	90
Net income of bank and minority interests.	$663,000	4,531
Net charge-offs	$579,000	1,860
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$4,000	886
Net operating income	$661,720	4,467
2013-09-30 (YTD Data)		Rank
Total interest income	$5,125,000	3,345
Total interest expense	$644,000	3,372
Net interest income	$4,481,000	3,311
Provision for loan and lease losses	$483,000	1,559
Total noninterest income	$230,000	5,180
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$81,000	5,187
Trading account gains and fees	$0	180
Additional Noninterest Income	$149,000	4,729
Total noninterest expense	$3,404,000	3,645
Salaries and employee benefits	$1,691,000	3,803
Premises and equipment expense	$464,000	3,273
Additional noninterest expense	$1,249,000	3,393
Pre-tax net operating income	$824,000	4,015
Securities gains (losses)	$2,000	2,831
Applicable income taxes	$426,000	2,074
Income before extraordinary items	$400,000	4,914
Extraordinary gains, net	$0	25
Net income	$400,000	4,914
Minority interest net income	$0	84
Net income of bank and minority interests.	$400,000	4,915
Net charge-offs	$395,000	1,834
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$-7,000	6,806
Net operating income	$398,720	4,826
2013-06-30 (YTD Data)		Rank
Total interest income	$3,149,000	3,546
Total interest expense	$427,000	3,443
Net interest income	$2,722,000	3,515
Provision for loan and lease losses	$130,000	2,635
Total noninterest income	$166,000	5,109
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$51,000	5,273
Trading account gains and fees	$0	157
Additional Noninterest Income	$115,000	4,568
Total noninterest expense	$2,129,000	3,806
Salaries and employee benefits	$1,071,000	3,963
Premises and equipment expense	$291,000	3,437
Additional noninterest expense	$767,000	3,602
Pre-tax net operating income	$629,000	3,748
Securities gains (losses)	$4,000	2,503
Applicable income taxes	$341,000	1,890
Income before extraordinary items	$292,000	4,798
Extraordinary gains, net	$0	22
Net income	$292,000	4,801
Minority interest net income	$0	82
Net income of bank and minority interests.	$292,000	4,802
Net charge-offs	$108,000	2,678
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$20,000	623
Net operating income	$289,440	4,686
2013-03-31 (YTD Data)		Rank
Total interest income	$1,469,000	3,742
Total interest expense	$215,000	3,513
Net interest income	$1,254,000	3,721
Provision for loan and lease losses	$60,000	2,589
Total noninterest income	$84,000	5,102
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$26,000	5,216
Trading account gains and fees	$0	148
Additional Noninterest Income	$58,000	4,529
Total noninterest expense	$990,000	4,009
Salaries and employee benefits	$508,000	4,116
Premises and equipment expense	$144,000	3,483
Additional noninterest expense	$338,000	3,939
Pre-tax net operating income	$288,000	3,872
Securities gains (losses)	$0	1,966
Applicable income taxes	$137,000	2,086
Income before extraordinary items	$151,000	4,714
Extraordinary gains, net	$0	10
Net income	$151,000	4,715
Minority interest net income	$0	76
Net income of bank and minority interests.	$151,000	4,716
Net charge-offs	$45,000	2,488
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$9,000	593
Net operating income	$151,000	4,618
2012-12-31 (YTD Data)		Rank
Total interest income	$6,331,000	3,690
Total interest expense	$1,095,000	3,399
Net interest income	$5,236,000	3,699
Provision for loan and lease losses	$612,000	2,428
Total noninterest income	$710,000	3,866
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$120,000	5,151
Trading account gains and fees	$0	166
Additional Noninterest Income	$590,000	3,127
Total noninterest expense	$3,979,000	4,050
Salaries and employee benefits	$1,883,000	4,274
Premises and equipment expense	$512,000	3,766
Additional noninterest expense	$1,584,000	3,654
Pre-tax net operating income	$1,355,000	3,499
Securities gains (losses)	$0	3,810
Applicable income taxes	$400,000	2,397
Income before extraordinary items	$955,000	3,990
Extraordinary gains, net	$0	29
Net income	$955,000	3,990
Minority interest net income	$0	93
Net income of bank and minority interests.	$955,000	3,992
Net charge-offs	$413,000	2,904
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$30,000	784
Net operating income	$955,000	3,813
2012-09-30 (YTD Data)		Rank
Total interest income	$4,795,000	3,745
Total interest expense	$853,000	3,427
Net interest income	$3,942,000	3,746
Provision for loan and lease losses	$551,000	2,150
Total noninterest income	$621,000	3,626
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$92,000	5,189
Trading account gains and fees	$0	157
Additional Noninterest Income	$529,000	2,868
Total noninterest expense	$2,988,000	4,080
Salaries and employee benefits	$1,396,000	4,323
Premises and equipment expense	$379,000	3,833
Additional noninterest expense	$1,213,000	3,633
Pre-tax net operating income	$1,024,000	3,588
Securities gains (losses)	$2,000	3,410
Applicable income taxes	$273,000	2,557
Income before extraordinary items	$753,000	3,966
Extraordinary gains, net	$0	20
Net income	$753,000	3,966
Minority interest net income	$0	86
Net income of bank and minority interests.	$753,000	3,968
Net charge-offs	$403,000	2,449
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$21,000	754
Net operating income	$751,540	3,804
2012-06-30 (YTD Data)		Rank
Total interest income	$3,172,000	3,791
Total interest expense	$583,000	3,469
Net interest income	$2,589,000	3,801
Provision for loan and lease losses	$245,000	2,717
Total noninterest income	$577,000	2,989
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$59,000	5,271
Trading account gains and fees	$0	153
Additional Noninterest Income	$518,000	2,277
Total noninterest expense	$1,908,000	4,193
Salaries and employee benefits	$924,000	4,368
Premises and equipment expense	$243,000	3,940
Additional noninterest expense	$741,000	3,845
Pre-tax net operating income	$1,013,000	2,818
Securities gains (losses)	$2,000	3,012
Applicable income taxes	$271,000	2,154
Income before extraordinary items	$744,000	3,199
Extraordinary gains, net	$0	19
Net income	$744,000	3,197
Minority interest net income	$0	84
Net income of bank and minority interests.	$744,000	3,199
Net charge-offs	$57,000	3,915
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$14,000	725
Net operating income	$742,540	3,043
2012-03-31 (YTD Data)		Rank
Total interest income	$1,566,000	3,860
Total interest expense	$302,000	3,500
Net interest income	$1,264,000	3,883
Provision for loan and lease losses	$45,000	3,771
Total noninterest income	$532,000	2,064
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$28,000	5,334
Trading account gains and fees	$0	148
Additional Noninterest Income	$504,000	1,501
Total noninterest expense	$940,000	4,252
Salaries and employee benefits	$434,000	4,563
Premises and equipment expense	$129,000	3,811
Additional noninterest expense	$377,000	3,784
Pre-tax net operating income	$811,000	2,004
Securities gains (losses)	$2,000	2,023
Applicable income taxes	$188,000	1,801
Income before extraordinary items	$625,000	2,177
Extraordinary gains, net	$0	19
Net income	$625,000	2,178
Minority interest net income	$0	78
Net income of bank and minority interests.	$625,000	2,179
Net charge-offs	$-2,000	6,038
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$8,000	651
Net operating income	$623,460	2,085
2011-12-31 (YTD Data)		Rank
Total interest income	$6,846,000	3,725
Total interest expense	$1,430,000	3,566
Net interest income	$5,416,000	3,714
Provision for loan and lease losses	$473,000	3,537
Total noninterest income	$100,000	6,423
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$92,000	5,634
Trading account gains and fees	$0	146
Additional Noninterest Income	$8,000	6,571
Total noninterest expense	$3,443,000	4,523
Salaries and employee benefits	$2,044,000	4,125
Premises and equipment expense	$801,000	2,923
Additional noninterest expense	$598,000	5,996
Pre-tax net operating income	$1,600,000	2,926
Securities gains (losses)	$11,000	3,300
Applicable income taxes	$616,000	1,820
Income before extraordinary items	$995,000	3,581
Extraordinary gains, net	$0	29
Net income	$995,000	3,584
Minority interest net income	$0	96
Net income of bank and minority interests.	$995,000	3,584
Net charge-offs	$320,000	3,727
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$987,960	3,469
2011-09-30 (YTD Data)		Rank
Total interest income	$5,180,000	3,744
Total interest expense	$1,103,000	3,607
Net interest income	$4,077,000	3,729
Provision for loan and lease losses	$260,000	3,812
Total noninterest income	$47,000	6,813
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$92,000	5,253
Trading account gains and fees	$0	145
Additional Noninterest Income	$-45,000	6,999
Total noninterest expense	$2,595,000	4,516
Salaries and employee benefits	$1,542,000	4,114
Premises and equipment expense	$592,000	2,968
Additional noninterest expense	$461,000	5,987
Pre-tax net operating income	$1,269,000	2,895
Securities gains (losses)	$11,000	3,028
Applicable income taxes	$449,000	1,826
Income before extraordinary items	$831,000	3,445
Extraordinary gains, net	$0	21
Net income	$831,000	3,447
Minority interest net income	$0	87
Net income of bank and minority interests.	$831,000	3,447
Net charge-offs	$147,000	4,041
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$823,850	3,340
2011-06-30 (YTD Data)		Rank
Total interest income	$3,500,000	3,763
Total interest expense	$769,000	3,602
Net interest income	$2,731,000	3,719
Provision for loan and lease losses	$43,000	5,248
Total noninterest income	$43,000	6,700
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$92,000	4,547
Trading account gains and fees	$0	153
Additional Noninterest Income	$-49,000	7,134
Total noninterest expense	$1,736,000	4,552
Salaries and employee benefits	$1,027,000	4,135
Premises and equipment expense	$385,000	3,039
Additional noninterest expense	$324,000	5,964
Pre-tax net operating income	$995,000	2,543
Securities gains (losses)	$0	2,914
Applicable income taxes	$375,000	1,588
Income before extraordinary items	$620,000	3,130
Extraordinary gains, net	$0	15
Net income	$620,000	3,132
Minority interest net income	$0	89
Net income of bank and minority interests.	$620,000	3,132
Net charge-offs	$20,000	5,048
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$620,000	3,043
2011-03-31 (YTD Data)		Rank
Total interest income	$1,772,000	3,747
Total interest expense	$414,000	3,512
Net interest income	$1,358,000	3,729
Provision for loan and lease losses	$0	5,840
Total noninterest income	$67,000	5,553
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$44,000	4,568
Trading account gains and fees	$0	158
Additional Noninterest Income	$23,000	5,678
Total noninterest expense	$865,000	4,586
Salaries and employee benefits	$504,000	4,202
Premises and equipment expense	$197,000	3,036
Additional noninterest expense	$164,000	5,969
Pre-tax net operating income	$560,000	2,356
Securities gains (losses)	$0	1,772
Applicable income taxes	$215,000	1,436
Income before extraordinary items	$345,000	2,959
Extraordinary gains, net	$0	9
Net income	$345,000	2,958
Minority interest net income	$0	86
Net income of bank and minority interests.	$345,000	2,959
Net charge-offs	$-87,000	7,433
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$345,000	2,906
2010-12-31 (YTD Data)		Rank
Total interest income	$7,467,000	3,737
Total interest expense	$2,652,000	2,851
Net interest income	$4,815,000	4,063
Provision for loan and lease losses	$863,000	3,285
Total noninterest income	$284,000	5,475
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$13,000	162
Additional Noninterest Income	$271,000	4,112
Total noninterest expense	$3,669,000	4,463
Salaries and employee benefits	$2,169,000	4,001
Premises and equipment expense	$793,000	3,001
Additional noninterest expense	$707,000	5,874
Pre-tax net operating income	$567,000	4,215
Securities gains (losses)	$0	3,793
Applicable income taxes	$220,000	2,641
Income before extraordinary items	$347,000	4,793
Extraordinary gains, net	$0	29
Net income	$347,000	4,795
Minority interest net income	$0	111
Net income of bank and minority interests.	$347,000	4,795
Net charge-offs	$767,000	3,051
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$347,000	4,645
2010-09-30 (YTD Data)		Rank
Total interest income	$5,693,000	3,760
Total interest expense	$2,121,000	2,834
Net interest income	$3,572,000	4,144
Provision for loan and lease losses	$774,000	2,900
Total noninterest income	$239,000	5,402
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$13,000	149
Additional Noninterest Income	$226,000	3,979
Total noninterest expense	$2,792,000	4,431
Salaries and employee benefits	$1,647,000	4,002
Premises and equipment expense	$621,000	2,952
Additional noninterest expense	$524,000	5,929
Pre-tax net operating income	$245,000	5,079
Securities gains (losses)	$0	3,651
Applicable income taxes	$108,000	3,068
Income before extraordinary items	$137,000	5,573
Extraordinary gains, net	$0	23
Net income	$137,000	5,574
Minority interest net income	$0	110
Net income of bank and minority interests.	$137,000	5,574
Net charge-offs	$697,000	2,645
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$137,000	5,407
2010-06-30 (YTD Data)		Rank
Total interest income	$3,908,000	3,712
Total interest expense	$1,444,000	2,876
Net interest income	$2,464,000	4,055
Provision for loan and lease losses	$607,000	2,546
Total noninterest income	$158,000	5,396
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$9,000	139
Additional Noninterest Income	$149,000	3,996
Total noninterest expense	$1,848,000	4,469
Salaries and employee benefits	$1,073,000	4,093
Premises and equipment expense	$432,000	2,865
Additional noninterest expense	$343,000	6,001
Pre-tax net operating income	$167,000	5,106
Securities gains (losses)	$0	3,184
Applicable income taxes	$85,000	2,917
Income before extraordinary items	$82,000	5,665
Extraordinary gains, net	$0	19
Net income	$82,000	5,668
Minority interest net income	$0	105
Net income of bank and minority interests.	$82,000	5,667
Net charge-offs	$526,000	2,384
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$82,000	5,546
2010-03-31 (YTD Data)		Rank
Total interest income	$1,945,000	3,781
Total interest expense	$766,000	2,858
Net interest income	$1,179,000	4,211
Provision for loan and lease losses	$587,000	1,675
Total noninterest income	$46,000	6,245
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$1,000	168
Additional Noninterest Income	$45,000	4,859
Total noninterest expense	$912,000	4,549
Salaries and employee benefits	$531,000	4,181
Premises and equipment expense	$225,000	2,825
Additional noninterest expense	$156,000	6,268
Pre-tax net operating income	$-274,000	6,938
Securities gains (losses)	$0	2,284
Applicable income taxes	$-117,000	7,469
Income before extraordinary items	$-157,000	6,867
Extraordinary gains, net	$0	16
Net income	$-157,000	6,868
Minority interest net income	$0	91
Net income of bank and minority interests.	$-157,000	6,867
Net charge-offs	$572,000	1,486
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-157,000	6,825
2009-12-31 (YTD Data)		Rank
Total interest income	$8,006,000	3,821
Total interest expense	$3,901,000	2,791
Net interest income	$4,105,000	4,499
Provision for loan and lease losses	$832,000	3,791
Total noninterest income	$160,000	6,502
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-12,000	7,962
Additional Noninterest Income	$172,000	4,888
Total noninterest expense	$8,135,000	2,428
Salaries and employee benefits	$2,395,000	3,812
Premises and equipment expense	$846,000	2,971
Additional noninterest expense	$4,894,000	1,522
Pre-tax net operating income	$-4,702,000	7,154
Securities gains (losses)	$0	3,754
Applicable income taxes	$-1,940,000	7,508
Income before extraordinary items	$-2,762,000	6,941
Extraordinary gains, net	$0	34
Net income	$-2,762,000	6,940
Minority interest net income	$0	115
Net income of bank and minority interests.	$-2,762,000	6,940
Net charge-offs	$509,000	3,758
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-2,762,000	6,952
2009-09-30 (YTD Data)		Rank
Total interest income	$6,046,000	3,842
Total interest expense	$3,102,000	2,776
Net interest income	$2,944,000	4,645
Provision for loan and lease losses	$763,000	3,165
Total noninterest income	$133,000	6,508
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-12,000	8,055
Additional Noninterest Income	$145,000	4,835
Total noninterest expense	$7,077,000	2,116
Salaries and employee benefits	$1,745,000	3,940
Premises and equipment expense	$643,000	2,973
Additional noninterest expense	$4,689,000	1,201
Pre-tax net operating income	$-4,763,000	7,490
Securities gains (losses)	$0	3,497
Applicable income taxes	$-1,965,000	7,715
Income before extraordinary items	$-2,798,000	7,343
Extraordinary gains, net	$0	27
Net income	$-2,798,000	7,343
Minority interest net income	$0	118
Net income of bank and minority interests.	$-2,798,000	7,343
Net charge-offs	$509,000	3,024
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-2,798,000	7,332
2009-06-30 (YTD Data)		Rank
Total interest income	$4,087,000	3,840
Total interest expense	$2,265,000	2,677
Net interest income	$1,822,000	4,852
Provision for loan and lease losses	$707,000	2,481
Total noninterest income	$42,000	7,315
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-46,000	8,152
Additional Noninterest Income	$88,000	5,024
Total noninterest expense	$6,039,000	1,702
Salaries and employee benefits	$1,141,000	4,024
Premises and equipment expense	$442,000	2,938
Additional noninterest expense	$4,456,000	859
Pre-tax net operating income	$-4,882,000	7,739
Securities gains (losses)	$0	3,136
Applicable income taxes	$-2,008,000	7,898
Income before extraordinary items	$-2,874,000	7,621
Extraordinary gains, net	$0	21
Net income	$-2,874,000	7,620
Minority interest net income	$0	112
Net income of bank and minority interests.	$-2,874,000	7,620
Net charge-offs	$508,000	2,333
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-2,874,000	7,631
2009-03-31 (YTD Data)		Rank
Total interest income	$2,085,000	3,813
Total interest expense	$1,022,000	3,001
Net interest income	$1,063,000	4,388
Provision for loan and lease losses	$24,000	5,765
Total noninterest income	$-6,000	8,092
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-54,000	8,196
Additional Noninterest Income	$48,000	4,911
Total noninterest expense	$995,000	4,318
Salaries and employee benefits	$579,000	4,014
Premises and equipment expense	$240,000	2,767
Additional noninterest expense	$176,000	5,915
Pre-tax net operating income	$38,000	5,784
Securities gains (losses)	$0	2,434
Applicable income taxes	$74,000	2,496
Income before extraordinary items	$-36,000	6,599
Extraordinary gains, net	$0	15
Net income	$-36,000	6,600
Minority interest net income	$0	102
Net income of bank and minority interests.	$-36,000	6,600
Net charge-offs	$0	5,728
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-36,000	6,480
2008-12-31 (YTD Data)		Rank
Total interest income	$8,798,000	3,858
Total interest expense	$4,641,000	3,170
Net interest income	$4,157,000	4,462
Provision for loan and lease losses	$305,000	4,587
Total noninterest income	$353,000	5,534
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-199,000	8,218
Additional Noninterest Income	$552,000	3,022
Total noninterest expense	$4,021,000	4,222
Salaries and employee benefits	$2,378,000	3,924
Premises and equipment expense	$894,000	2,886
Additional noninterest expense	$749,000	5,648
Pre-tax net operating income	$184,000	5,797
Securities gains (losses)	$-518,000	7,575
Applicable income taxes	$-199,000	7,219
Income before extraordinary items	$-135,000	6,404
Extraordinary gains, net	$0	39
Net income	$-135,000	6,405
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,426
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$196,520	5,653
2008-09-30 (YTD Data)		Rank
Total interest income	$6,613,000	3,911
Total interest expense	$3,589,000	3,188
Net interest income	$3,024,000	4,593
Provision for loan and lease losses	$284,000	3,652
Total noninterest income	$450,000	4,568
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$450,000	2,982
Total noninterest expense	$2,985,000	4,237
Salaries and employee benefits	$1,748,000	4,007
Premises and equipment expense	$685,000	2,859
Additional noninterest expense	$552,000	5,649
Pre-tax net operating income	$205,000	6,018
Securities gains (losses)	$-518,000	7,788
Applicable income taxes	$-246,000	7,702
Income before extraordinary items	$-67,000	6,725
Extraordinary gains, net	$0	31
Net income	$-67,000	6,723
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	5,625
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$264,520	5,546
2008-06-30 (YTD Data)		Rank
Total interest income	$4,376,000	4,000
Total interest expense	$2,495,000	3,194
Net interest income	$1,881,000	4,812
Provision for loan and lease losses	$284,000	2,633
Total noninterest income	$138,000	6,123
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$138,000	4,450
Total noninterest expense	$1,998,000	4,233
Salaries and employee benefits	$1,179,000	4,008
Premises and equipment expense	$470,000	2,791
Additional noninterest expense	$349,000	5,785
Pre-tax net operating income	$-263,000	7,391
Securities gains (losses)	$-292,000	8,316
Applicable income taxes	$-243,000	8,027
Income before extraordinary items	$-312,000	7,526
Extraordinary gains, net	$0	21
Net income	$-312,000	7,526
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	4,854
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-125,120	7,270
2008-03-31 (YTD Data)		Rank
Total interest income	$2,197,000	4,066
Total interest expense	$1,319,000	3,211
Net interest income	$878,000	5,014
Provision for loan and lease losses	$118,000	2,515
Total noninterest income	$63,000	6,287
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$63,000	4,607
Total noninterest expense	$1,039,000	4,127
Salaries and employee benefits	$608,000	3,930
Premises and equipment expense	$236,000	2,788
Additional noninterest expense	$195,000	5,454
Pre-tax net operating income	$-216,000	7,789
Securities gains (losses)	$0	2,688
Applicable income taxes	$-98,000	8,135
Income before extraordinary items	$-118,000	7,703
Extraordinary gains, net	$0	15
Net income	$-118,000	7,702
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	3,539
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-118,000	7,661
2007-12-31 (YTD Data)		Rank
Total interest income	$8,339,000	4,255
Total interest expense	$4,852,000	3,540
Net interest income	$3,487,000	5,043
Provision for loan and lease losses	$44,000	5,799
Total noninterest income	$283,000	6,133
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$283,000	4,350
Total noninterest expense	$3,604,000	4,432
Salaries and employee benefits	$2,195,000	4,091
Premises and equipment expense	$750,000	3,255
Additional noninterest expense	$659,000	5,890
Pre-tax net operating income	$122,000	7,090
Securities gains (losses)	$0	2,146
Applicable income taxes	$47,000	4,969
Income before extraordinary items	$75,000	7,242
Extraordinary gains, net	$0	39
Net income	$75,000	7,241
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,123
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$75,000	7,214
2007-09-30 (YTD Data)		Rank
Total interest income	$6,036,000	4,358
Total interest expense	$3,443,000	3,686
Net interest income	$2,593,000	5,087
Provision for loan and lease losses	$20,000	5,830
Total noninterest income	$210,000	6,200
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$210,000	4,393
Total noninterest expense	$2,600,000	4,528
Salaries and employee benefits	$1,604,000	4,161
Premises and equipment expense	$525,000	3,423
Additional noninterest expense	$471,000	5,971
Pre-tax net operating income	$183,000	7,030
Securities gains (losses)	$0	1,655
Applicable income taxes	$75,000	4,666
Income before extraordinary items	$108,000	7,236
Extraordinary gains, net	$0	33
Net income	$108,000	7,234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$108,000	7,222
2007-06-30 (YTD Data)		Rank
Total interest income	$3,840,000	4,521
Total interest expense	$2,159,000	3,824
Net interest income	$1,681,000	5,217
Provision for loan and lease losses	$0	6,209
Total noninterest income	$136,000	6,298
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$136,000	4,507
Total noninterest expense	$1,676,000	4,650
Salaries and employee benefits	$1,044,000	4,276
Premises and equipment expense	$330,000	3,596
Additional noninterest expense	$302,000	6,099
Pre-tax net operating income	$141,000	7,010
Securities gains (losses)	$0	1,444
Applicable income taxes	$58,000	4,642
Income before extraordinary items	$83,000	7,236
Extraordinary gains, net	$0	29
Net income	$83,000	7,236
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$83,000	7,232
2007-03-31 (YTD Data)		Rank
Total interest income	$1,913,000	4,520
Total interest expense	$1,087,000	3,788
Net interest income	$826,000	5,275
Provision for loan and lease losses	$0	5,779
Total noninterest income	$67,000	6,329
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$67,000	4,543
Total noninterest expense	$846,000	4,628
Salaries and employee benefits	$522,000	4,295
Premises and equipment expense	$165,000	3,612
Additional noninterest expense	$159,000	5,944
Pre-tax net operating income	$47,000	7,330
Securities gains (losses)	$0	1,187
Applicable income taxes	$21,000	4,889
Income before extraordinary items	$26,000	7,528
Extraordinary gains, net	$0	22
Net income	$26,000	7,527
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$26,000	7,510
2006-12-31 (YTD Data)		Rank
Total interest income	$7,449,000	4,388
Total interest expense	$4,081,000	3,549
Net interest income	$3,368,000	5,179
Provision for loan and lease losses	$25,000	6,138
Total noninterest income	$271,000	6,371
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$271,000	4,498
Total noninterest expense	$3,391,000	4,494
Salaries and employee benefits	$2,130,000	4,081
Premises and equipment expense	$656,000	3,510
Additional noninterest expense	$605,000	6,041
Pre-tax net operating income	$223,000	7,325
Securities gains (losses)	$0	1,687
Applicable income taxes	$85,000	5,103
Income before extraordinary items	$138,000	7,531
Extraordinary gains, net	$0	51
Net income	$138,000	7,534
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	4,703
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$138,000	7,521
2006-09-30 (YTD Data)		Rank
Total interest income	$5,528,000	4,406
Total interest expense	$2,966,000	3,538
Net interest income	$2,562,000	5,172
Provision for loan and lease losses	$25,000	5,821
Total noninterest income	$208,000	6,375
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$208,000	4,458
Total noninterest expense	$2,515,000	4,516
Salaries and employee benefits	$1,604,000	4,047
Premises and equipment expense	$482,000	3,573
Additional noninterest expense	$429,000	6,206
Pre-tax net operating income	$230,000	7,301
Securities gains (losses)	$0	1,388
Applicable income taxes	$90,000	5,018
Income before extraordinary items	$140,000	7,533
Extraordinary gains, net	$0	45
Net income	$140,000	7,535
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	3,854
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$140,000	7,535
2006-06-30 (YTD Data)		Rank
Total interest income	$3,644,000	4,385
Total interest expense	$1,902,000	3,530
Net interest income	$1,742,000	5,129
Provision for loan and lease losses	$20,000	5,511
Total noninterest income	$129,000	6,527
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$129,000	4,602
Total noninterest expense	$1,674,000	4,540
Salaries and employee benefits	$1,068,000	4,066
Premises and equipment expense	$327,000	3,523
Additional noninterest expense	$279,000	6,294
Pre-tax net operating income	$177,000	7,224
Securities gains (losses)	$0	1,185
Applicable income taxes	$68,000	4,956
Income before extraordinary items	$109,000	7,466
Extraordinary gains, net	$0	39
Net income	$109,000	7,467
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	3,712
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$109,000	7,469
2006-03-31 (YTD Data)		Rank
Total interest income	$1,805,000	4,371
Total interest expense	$905,000	3,527
Net interest income	$900,000	5,031
Provision for loan and lease losses	$20,000	4,517
Total noninterest income	$83,000	5,997
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$83,000	4,074
Total noninterest expense	$824,000	4,600
Salaries and employee benefits	$500,000	4,286
Premises and equipment expense	$175,000	3,341
Additional noninterest expense	$149,000	6,079
Pre-tax net operating income	$139,000	6,554
Securities gains (losses)	$0	955
Applicable income taxes	$56,000	4,357
Income before extraordinary items	$83,000	7,004
Extraordinary gains, net	$0	21
Net income	$83,000	7,005
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$83,000	7,005
2005-12-31 (YTD Data)		Rank
Total interest income	$6,420,000	4,420
Total interest expense	$2,819,000	3,506
Net interest income	$3,601,000	4,932
Provision for loan and lease losses	$70,000	5,300
Total noninterest income	$261,000	6,594
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$261,000	4,638
Total noninterest expense	$2,839,000	4,969
Salaries and employee benefits	$1,651,000	4,756
Premises and equipment expense	$641,000	3,456
Additional noninterest expense	$547,000	6,311
Pre-tax net operating income	$953,000	5,481
Securities gains (losses)	$0	2,296
Applicable income taxes	$330,000	4,000
Income before extraordinary items	$623,000	5,921
Extraordinary gains, net	$0	46
Net income	$623,000	5,926
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-48,000	8,466
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$623,000	5,893
2005-09-30 (YTD Data)		Rank
Total interest income	$4,556,000	4,538
Total interest expense	$1,935,000	3,600
Net interest income	$2,621,000	5,035
Provision for loan and lease losses	$40,000	5,540
Total noninterest income	$179,000	6,793
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$179,000	4,847
Total noninterest expense	$2,101,000	4,980
Salaries and employee benefits	$1,160,000	4,922
Premises and equipment expense	$491,000	3,406
Additional noninterest expense	$450,000	6,016
Pre-tax net operating income	$659,000	5,773
Securities gains (losses)	$0	2,317
Applicable income taxes	$214,000	4,312
Income before extraordinary items	$445,000	6,142
Extraordinary gains, net	$0	35
Net income	$445,000	6,147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-36,000	8,371
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$445,000	6,111
2005-06-30 (YTD Data)		Rank
Total interest income	$2,878,000	4,627
Total interest expense	$1,212,000	3,592
Net interest income	$1,666,000	5,179
Provision for loan and lease losses	$0	6,626
Total noninterest income	$111,000	6,907
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$111,000	4,976
Total noninterest expense	$1,395,000	4,984
Salaries and employee benefits	$774,000	4,922
Premises and equipment expense	$330,000	3,358
Additional noninterest expense	$291,000	6,092
Pre-tax net operating income	$382,000	6,091
Securities gains (losses)	$0	2,146
Applicable income taxes	$113,000	4,654
Income before extraordinary items	$269,000	6,363
Extraordinary gains, net	$0	30
Net income	$269,000	6,364
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-36,000	8,372
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$269,000	6,310
2005-03-31 (YTD Data)		Rank
Total interest income	$1,499,000	4,489
Total interest expense	$606,000	3,481
Net interest income	$893,000	4,990
Provision for loan and lease losses	$0	6,226
Total noninterest income	$57,000	6,849
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$57,000	4,893
Total noninterest expense	$713,000	4,928
Salaries and employee benefits	$399,000	4,846
Premises and equipment expense	$170,000	3,306
Additional noninterest expense	$144,000	6,135
Pre-tax net operating income	$237,000	5,574
Securities gains (losses)	$0	1,685
Applicable income taxes	$61,000	4,498
Income before extraordinary items	$176,000	5,725
Extraordinary gains, net	$0	24
Net income	$176,000	5,726
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-18,000	8,262
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$176,000	5,689
2004-12-31 (YTD Data)		Rank
Total interest income	$5,167,000	4,732
Total interest expense	$1,984,000	3,682
Net interest income	$3,183,000	5,235
Provision for loan and lease losses	$36,000	6,265
Total noninterest income	$326,000	6,228
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$326,000	4,111
Total noninterest expense	$2,605,000	5,155
Salaries and employee benefits	$1,481,000	5,002
Premises and equipment expense	$644,000	3,343
Additional noninterest expense	$480,000	6,666
Pre-tax net operating income	$868,000	5,588
Securities gains (losses)	$0	3,819
Applicable income taxes	$327,000	4,051
Income before extraordinary items	$541,000	6,201
Extraordinary gains, net	$0	34
Net income	$541,000	6,205
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	5,355
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$541,000	6,115
2004-09-30 (YTD Data)		Rank
Total interest income	$3,725,000	4,850
Total interest expense	$1,440,000	3,733
Net interest income	$2,285,000	5,349
Provision for loan and lease losses	$36,000	5,817
Total noninterest income	$283,000	5,960
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$283,000	3,841
Total noninterest expense	$1,918,000	5,176
Salaries and employee benefits	$1,096,000	4,985
Premises and equipment expense	$496,000	3,274
Additional noninterest expense	$326,000	6,901
Pre-tax net operating income	$614,000	5,843
Securities gains (losses)	$0	3,710
Applicable income taxes	$214,000	4,344
Income before extraordinary items	$400,000	6,323
Extraordinary gains, net	$0	26
Net income	$400,000	6,323
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	4,529
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$400,000	6,247
2004-06-30 (YTD Data)		Rank
Total interest income	$2,381,000	5,005
Total interest expense	$929,000	3,824
Net interest income	$1,452,000	5,503
Provision for loan and lease losses	$36,000	5,137
Total noninterest income	$194,000	5,889
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$194,000	3,796
Total noninterest expense	$1,248,000	5,295
Salaries and employee benefits	$709,000	5,119
Premises and equipment expense	$320,000	3,368
Additional noninterest expense	$219,000	6,924
Pre-tax net operating income	$362,000	6,106
Securities gains (losses)	$0	3,413
Applicable income taxes	$118,000	4,630
Income before extraordinary items	$244,000	6,503
Extraordinary gains, net	$0	21
Net income	$244,000	6,503
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	3,066
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$244,000	6,417
2004-03-31 (YTD Data)		Rank
Total interest income	$1,170,000	5,083
Total interest expense	$457,000	3,920
Net interest income	$713,000	5,564
Provision for loan and lease losses	$26,000	4,484
Total noninterest income	$89,000	6,038
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$89,000	3,959
Total noninterest expense	$587,000	5,523
Salaries and employee benefits	$321,000	5,515
Premises and equipment expense	$147,000	3,640
Additional noninterest expense	$119,000	6,689
Pre-tax net operating income	$189,000	5,949
Securities gains (losses)	$0	2,934
Applicable income taxes	$67,000	4,419
Income before extraordinary items	$122,000	6,479
Extraordinary gains, net	$0	16
Net income	$122,000	6,478
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	2,952
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$122,000	6,363
2003-12-31 (YTD Data)		Rank
Total interest income	$4,783,000	5,045
Total interest expense	$1,968,000	4,080
Net interest income	$2,815,000	5,513
Provision for loan and lease losses	$244,000	3,591
Total noninterest income	$406,000	5,931
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$406,000	3,947
Total noninterest expense	$2,132,000	5,772
Salaries and employee benefits	$1,316,000	5,308
Premises and equipment expense	$447,000	4,389
Additional noninterest expense	$369,000	7,337
Pre-tax net operating income	$845,000	5,556
Securities gains (losses)	$0	4,500
Applicable income taxes	$279,000	4,392
Income before extraordinary items	$566,000	6,070
Extraordinary gains, net	$0	54
Net income	$566,000	6,074
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$296,000	2,273
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$566,000	5,918
2003-09-30 (YTD Data)		Rank
Total interest income	$3,624,000	5,065
Total interest expense	$1,499,000	4,143
Net interest income	$2,125,000	5,515
Provision for loan and lease losses	$238,000	2,964
Total noninterest income	$345,000	5,705
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$345,000	3,800
Total noninterest expense	$1,547,000	5,874
Salaries and employee benefits	$973,000	5,343
Premises and equipment expense	$323,000	4,501
Additional noninterest expense	$251,000	7,548
Pre-tax net operating income	$685,000	5,562
Securities gains (losses)	$0	4,204
Applicable income taxes	$223,000	4,487
Income before extraordinary items	$462,000	6,037
Extraordinary gains, net	$0	40
Net income	$462,000	6,038
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$296,000	1,718
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$462,000	5,868
2003-06-30 (YTD Data)		Rank
Total interest income	$2,408,000	5,123
Total interest expense	$1,025,000	4,170
Net interest income	$1,383,000	5,596
Provision for loan and lease losses	$207,000	2,464
Total noninterest income	$146,000	6,697
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$146,000	4,618
Total noninterest expense	$1,032,000	5,893
Salaries and employee benefits	$653,000	5,339
Premises and equipment expense	$213,000	4,529
Additional noninterest expense	$166,000	7,558
Pre-tax net operating income	$290,000	6,556
Securities gains (losses)	$0	3,782
Applicable income taxes	$65,000	5,639
Income before extraordinary items	$225,000	6,744
Extraordinary gains, net	$0	30
Net income	$225,000	6,748
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$311,000	1,214
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$225,000	6,545
2003-03-31 (YTD Data)		Rank
Total interest income	$1,215,000	5,103
Total interest expense	$518,000	4,227
Net interest income	$697,000	5,560
Provision for loan and lease losses	$58,000	3,492
Total noninterest income	$54,000	7,230
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$54,000	5,123
Total noninterest expense	$526,000	5,830
Salaries and employee benefits	$305,000	5,564
Premises and equipment expense	$118,000	4,220
Additional noninterest expense	$103,000	7,068
Pre-tax net operating income	$167,000	6,251
Securities gains (losses)	$0	2,891
Applicable income taxes	$16,000	6,250
Income before extraordinary items	$151,000	6,007
Extraordinary gains, net	$0	21
Net income	$151,000	6,006
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	3,542
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$151,000	5,826
2002-12-31 (YTD Data)		Rank
Total interest income	$4,787,000	5,321
Total interest expense	$2,223,000	4,486
Net interest income	$2,564,000	5,819
Provision for loan and lease losses	$126,000	5,255
Total noninterest income	$187,000	7,449
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$187,000	5,163
Total noninterest expense	$1,975,000	5,910
Salaries and employee benefits	$1,121,000	5,742
Premises and equipment expense	$467,000	4,152
Additional noninterest expense	$387,000	7,244
Pre-tax net operating income	$650,000	6,252
Securities gains (losses)	$11,000	3,555
Applicable income taxes	$317,000	4,348
Income before extraordinary items	$344,000	7,104
Extraordinary gains, net	$0	70
Net income	$344,000	7,105
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,417
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$336,960	7,032
2001-12-31 (YTD Data)		Rank
Total interest income	$4,635,000	5,867
Total interest expense	$2,531,000	5,359
Net interest income	$2,104,000	6,275
Provision for loan and lease losses	$38,000	7,009
Total noninterest income	$290,000	6,509
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$290,000	4,187
Total noninterest expense	$1,853,000	6,017
Salaries and employee benefits	$1,006,000	5,956
Premises and equipment expense	$439,000	4,310
Additional noninterest expense	$408,000	7,079
Pre-tax net operating income	$503,000	6,533
Securities gains (losses)	$-1,000	9,012
Applicable income taxes	$161,000	5,343
Income before extraordinary items	$341,000	6,879
Extraordinary gains, net	$0	105
Net income	$341,000	6,881
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	5,068
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$341,680	6,766
2000-12-31 (YTD Data)		Rank
Total interest income	$4,502,000	6,090
Total interest expense	$2,531,000	5,514
Net interest income	$1,971,000	6,601
Provision for loan and lease losses	$35,000	7,078
Total noninterest income	$738,000	3,863
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$738,000	2,269
Total noninterest expense	$2,579,000	4,750
Salaries and employee benefits	$1,271,000	4,972
Premises and equipment expense	$572,000	3,398
Additional noninterest expense	$736,000	5,000
Pre-tax net operating income	$95,000	8,813
Securities gains (losses)	$-181,000	9,556
Applicable income taxes	$71,000	6,919
Income before extraordinary items	$-157,000	9,329
Extraordinary gains, net	$0	38
Net income	$-157,000	9,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,101
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$24,000	9,042
1999-12-31 (YTD Data)		Rank
Total interest income	$3,995,000	6,372
Total interest expense	$2,142,000	5,745
Net interest income	$1,853,000	6,904
Provision for loan and lease losses	$0	8,503
Total noninterest income	$703,000	3,984
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$703,000	2,374
Total noninterest expense	$2,708,000	4,582
Salaries and employee benefits	$1,314,000	4,831
Premises and equipment expense	$507,000	3,722
Additional noninterest expense	$887,000	4,431
Pre-tax net operating income	$-152,000	9,579
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$-152,000	9,629
Extraordinary gains, net	$0	35
Net income	$-152,000	9,628
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	4,508
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$-152,000	9,605
1998-12-31 (YTD Data)		Rank
Total interest income	$4,124,000	6,379
Total interest expense	$2,132,000	5,954
Net interest income	$1,992,000	6,683
Provision for loan and lease losses	$0	8,652
Total noninterest income	$446,000	5,283
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$446,000	3,212
Total noninterest expense	$2,240,000	5,149
Salaries and employee benefits	$1,194,000	5,087
Premises and equipment expense	$547,000	3,439
Additional noninterest expense	$499,000	6,447
Pre-tax net operating income	$198,000	8,909
Securities gains (losses)	$7,000	3,223
Applicable income taxes	$0	9,340
Income before extraordinary items	$205,000	8,583
Extraordinary gains, net	$0	32
Net income	$205,000	8,582
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,584
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$198,000	8,564
1997-12-31 (YTD Data)		Rank
Total interest income	$4,378,000	6,326
Total interest expense	$2,202,000	5,880
Net interest income	$2,176,000	6,575
Provision for loan and lease losses	$0	8,829
Total noninterest income	$240,000	7,333
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$240,000	4,480
Total noninterest expense	$2,129,000	5,413
Salaries and employee benefits	$1,040,000	5,714
Premises and equipment expense	$702,000	2,725
Additional noninterest expense	$387,000	7,467
Pre-tax net operating income	$287,000	9,064
Securities gains (losses)	$3,000	3,097
Applicable income taxes	$188,000	7,057
Income before extraordinary items	$102,000	9,948
Extraordinary gains, net	$0	44
Net income	$102,000	9,949
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-19,000	10,206
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$100,080	9,919
1996-12-31 (YTD Data)		Rank
Total interest income	$4,366,000	6,510
Total interest expense	$2,258,000	5,921
Net interest income	$2,108,000	6,942
Provision for loan and lease losses	$16,000	8,168
Total noninterest income	$154,000	8,948
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$154,000	5,900
Total noninterest expense	$1,963,000	6,014
Salaries and employee benefits	$940,000	6,266
Premises and equipment expense	$386,000	4,667
Additional noninterest expense	$637,000	6,116
Pre-tax net operating income	$283,000	9,242
Securities gains (losses)	$-90,000	11,174
Applicable income taxes	$73,000	9,284
Income before extraordinary items	$120,000	10,043
Extraordinary gains, net	$0	53
Net income	$120,000	10,041
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	10,584
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$177,600	9,458
1995-12-31 (YTD Data)		Rank
Total interest income	$2,125,000	9,528
Total interest expense	$1,139,000	8,787
Net interest income	$986,000	9,980
Provision for loan and lease losses	$80,000	5,097
Total noninterest income	$68,000	11,008
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$68,000	8,433
Total noninterest expense	$731,000	10,065
Salaries and employee benefits	$426,000	9,728
Premises and equipment expense	$143,000	8,450
Additional noninterest expense	$162,000	10,913
Pre-tax net operating income	$243,000	10,169
Securities gains (losses)	$0	3,831
Applicable income taxes	$82,000	9,543
Income before extraordinary items	$161,000	10,357
Extraordinary gains, net	$0	65
Net income	$161,000	10,361
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	6,109
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$161,000	10,331
1994-12-31 (YTD Data)		Rank
Total interest income	$2,088,000	9,633
Total interest expense	$1,034,000	8,544
Net interest income	$1,054,000	10,228
Provision for loan and lease losses	$0	9,146
Total noninterest income	$73,000	11,417
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$73,000	8,528
Total noninterest expense	$730,000	10,561
Salaries and employee benefits	$416,000	10,140
Premises and equipment expense	$169,000	8,112
Additional noninterest expense	$145,000	11,851
Pre-tax net operating income	$397,000	9,400
Securities gains (losses)	$0	3,600
Applicable income taxes	$146,000	8,391
Income before extraordinary items	$251,000	9,683
Extraordinary gains, net	$0	249
Net income	$251,000	9,694
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$251,000	9,754
1993-12-31 (YTD Data)		Rank
Total interest income	$2,119,000	9,951
Total interest expense	$960,000	9,289
Net interest income	$1,159,000	10,200
Provision for loan and lease losses	$46,000	7,689
Total noninterest income	$28,000	12,964
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$28,000	11,437
Total noninterest expense	$668,000	11,314
Salaries and employee benefits	$365,000	10,992
Premises and equipment expense	$163,000	8,556
Additional noninterest expense	$140,000	12,544
Pre-tax net operating income	$473,000	8,836
Securities gains (losses)	$0	7,477
Applicable income taxes	$200,000	7,620
Income before extraordinary items	$273,000	9,778
Extraordinary gains, net	$22,000	2,659
Net income	$295,000	9,695
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	7,294
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$273,000	9,518
1992-12-31 (YTD Data)		Rank
Total interest income	$2,112,000	10,673
Total interest expense	$1,212,000	9,557
Net interest income	$900,000	11,519
Provision for loan and lease losses	$35,000	9,755
Total noninterest income	$20,000	13,685
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$20,000	12,557
Total noninterest expense	$615,000	11,972
Salaries and employee benefits	$315,000	11,848
Premises and equipment expense	$172,000	8,516
Additional noninterest expense	$128,000	13,232
Pre-tax net operating income	$270,000	10,424
Securities gains (losses)	$0	8,369
Applicable income taxes	$123,000	9,281
Income before extraordinary items	$147,000	11,318
Extraordinary gains, net	$0	1,422
Net income	$147,000	11,400
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$147,000	10,977

* 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.