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Belmont Savings Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$17,038,000	2,108
Total interest expense	$6,468,000	1,736
Net interest income	$10,570,000	2,312
Provision for loan and lease losses	$346,000	1,556
Total noninterest income	$1,067,000	2,668
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$520,000	1,605
Trading account gains and fees	NA	NA
Additional Noninterest Income	$547,000	2,885
Total noninterest expense	$9,393,000	2,116
Salaries and employee benefits	$4,849,000	2,233
Premises and equipment expense	$676,000	2,539
Additional noninterest expense	$547,000	2,885
Pre-tax net operating income	$1,898,000	3,012
Securities gains (losses)	$-1,000	3,196
Applicable income taxes	$26,000	3,166
Income before extraordinary items	$1,871,000	2,857
Extraordinary gains, net	$0	54
Net income	$1,871,000	2,885
Minority interest net income	$0	88
Net income of bank and minority interests.	$1,871,000	2,859
Net charge-offs	$93,000	1,536
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$1,871,990	2,896
2023-09-30 (YTD Data)		Rank
Total interest income	$12,261,000	2,123
Total interest expense	$4,199,000	1,777
Net interest income	$8,062,000	2,296
Provision for loan and lease losses	$235,000	1,524
Total noninterest income	$787,000	2,687
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$382,000	1,628
Trading account gains and fees	NA	NA
Additional Noninterest Income	$405,000	2,880
Total noninterest expense	$7,177,000	2,089
Salaries and employee benefits	$3,749,000	2,185
Premises and equipment expense	$501,000	2,554
Additional noninterest expense	$405,000	2,879
Pre-tax net operating income	$1,437,000	3,068
Securities gains (losses)	$-4,000	3,374
Applicable income taxes	$31,000	3,124
Income before extraordinary items	$1,402,000	2,920
Extraordinary gains, net	$0	52
Net income	$1,402,000	2,950
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,402,000	2,921
Net charge-offs	$67,000	1,358
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$1,405,920	2,945
2023-06-30 (YTD Data)		Rank
Total interest income	$7,803,000	2,155
Total interest expense	$2,265,000	1,867
Net interest income	$5,538,000	2,268
Provision for loan and lease losses	$65,000	2,061
Total noninterest income	$517,000	2,667
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$251,000	1,631
Trading account gains and fees	NA	NA
Additional Noninterest Income	$266,000	2,865
Total noninterest expense	$4,771,000	2,094
Salaries and employee benefits	$2,568,000	2,146
Premises and equipment expense	$310,000	2,658
Additional noninterest expense	$266,000	2,859
Pre-tax net operating income	$1,219,000	2,824
Securities gains (losses)	$1,000	881
Applicable income taxes	$89,000	2,596
Income before extraordinary items	$1,131,000	2,715
Extraordinary gains, net	$0	51
Net income	$1,131,000	2,745
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,131,000	2,715
Net charge-offs	$39,000	1,267
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$1,130,070	2,738
2023-03-31 (YTD Data)		Rank
Total interest income	$3,756,000	2,192
Total interest expense	$872,000	2,000
Net interest income	$2,884,000	2,205
Provision for loan and lease losses	$0	2,612
Total noninterest income	$249,000	2,696
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$118,000	1,716
Trading account gains and fees	NA	NA
Additional Noninterest Income	$131,000	2,880
Total noninterest expense	$2,377,000	2,121
Salaries and employee benefits	$1,278,000	2,182
Premises and equipment expense	$168,000	2,569
Additional noninterest expense	$131,000	2,880
Pre-tax net operating income	$756,000	2,616
Securities gains (losses)	$0	950
Applicable income taxes	$75,000	2,352
Income before extraordinary items	$681,000	2,562
Extraordinary gains, net	$0	4
Net income	$681,000	2,563
Minority interest net income	$0	48
Net income of bank and minority interests.	$681,000	2,562
Net charge-offs	$31,000	962
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$681,000	2,593
2022-12-31 (YTD Data)		Rank
Total interest income	$13,464,000	2,104
Total interest expense	$1,710,000	1,765
Net interest income	$11,754,000	2,132
Provision for loan and lease losses	$0	3,012
Total noninterest income	$987,000	2,824
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$471,000	1,750
Trading account gains and fees	NA	NA
Additional Noninterest Income	$516,000	3,019
Total noninterest expense	$8,556,000	2,208
Salaries and employee benefits	$4,248,000	2,403
Premises and equipment expense	$677,000	2,543
Additional noninterest expense	$516,000	3,019
Pre-tax net operating income	$4,185,000	2,246
Securities gains (losses)	$-3,000	3,239
Applicable income taxes	$485,000	2,045
Income before extraordinary items	$3,697,000	2,211
Extraordinary gains, net	$0	5
Net income	$3,697,000	2,210
Minority interest net income	$0	63
Net income of bank and minority interests.	$3,697,000	2,210
Net charge-offs	$-28,000	3,926
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$3,699,640	2,231
2022-09-30 (YTD Data)		Rank
Total interest income	$9,824,000	2,092
Total interest expense	$1,116,000	1,635
Net interest income	$8,708,000	2,129
Provision for loan and lease losses	$0	2,835
Total noninterest income	$728,000	2,879
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$350,000	1,762
Trading account gains and fees	NA	NA
Additional Noninterest Income	$378,000	3,077
Total noninterest expense	$6,241,000	2,241
Salaries and employee benefits	$3,084,000	2,454
Premises and equipment expense	$516,000	2,514
Additional noninterest expense	$378,000	3,077
Pre-tax net operating income	$3,195,000	2,223
Securities gains (losses)	$-2,000	3,546
Applicable income taxes	$379,000	2,016
Income before extraordinary items	$2,814,000	2,160
Extraordinary gains, net	$0	4
Net income	$2,814,000	2,159
Minority interest net income	$0	57
Net income of bank and minority interests.	$2,814,000	2,159
Net charge-offs	$-12,000	3,660
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$2,815,760	2,193
2022-06-30 (YTD Data)		Rank
Total interest income	$6,310,000	2,104
Total interest expense	$707,000	1,503
Net interest income	$5,603,000	2,155
Provision for loan and lease losses	$0	2,599
Total noninterest income	$467,000	2,905
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$228,000	1,790
Trading account gains and fees	NA	NA
Additional Noninterest Income	$239,000	3,147
Total noninterest expense	$4,178,000	2,221
Salaries and employee benefits	$2,086,000	2,427
Premises and equipment expense	$374,000	2,432
Additional noninterest expense	$1,718,000	1,804
Pre-tax net operating income	$1,892,000	2,276
Securities gains (losses)	$-3,000	3,777
Applicable income taxes	$206,000	2,106
Income before extraordinary items	$1,683,000	2,199
Extraordinary gains, net	$0	4
Net income	$1,683,000	2,199
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,683,000	2,199
Net charge-offs	$-17,000	3,831
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,685,670	2,235
2022-03-31 (YTD Data)		Rank
Total interest income	$3,087,000	2,096
Total interest expense	$358,000	1,439
Net interest income	$2,729,000	2,140
Provision for loan and lease losses	$0	2,285
Total noninterest income	$226,000	2,908
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$108,000	1,843
Trading account gains and fees	NA	NA
Additional Noninterest Income	$118,000	3,119
Total noninterest expense	$2,085,000	2,221
Salaries and employee benefits	$1,027,000	2,462
Premises and equipment expense	$202,000	2,322
Additional noninterest expense	$856,000	1,782
Pre-tax net operating income	$870,000	2,291
Securities gains (losses)	$0	623
Applicable income taxes	$94,000	2,099
Income before extraordinary items	$776,000	2,240
Extraordinary gains, net	$0	4
Net income	$776,000	2,240
Minority interest net income	$0	50
Net income of bank and minority interests.	$776,000	2,240
Net charge-offs	$-6,000	3,738
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$776,000	2,258
2021-12-31 (YTD Data)		Rank
Total interest income	$12,148,000	2,184
Total interest expense	$1,788,000	1,446
Net interest income	$10,360,000	2,276
Provision for loan and lease losses	$0	3,064
Total noninterest income	$755,000	3,276
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$363,000	1,978
Trading account gains and fees	NA	NA
Additional Noninterest Income	$392,000	3,492
Total noninterest expense	$7,901,000	2,297
Salaries and employee benefits	$4,012,000	2,489
Premises and equipment expense	$591,000	2,767
Additional noninterest expense	$3,298,000	1,848
Pre-tax net operating income	$3,214,000	2,601
Securities gains (losses)	$-33,000	4,511
Applicable income taxes	$338,000	2,377
Income before extraordinary items	$2,843,000	2,610
Extraordinary gains, net	$0	10
Net income	$2,843,000	2,611
Minority interest net income	$0	74
Net income of bank and minority interests.	$2,843,000	2,611
Net charge-offs	$-89,000	4,319
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$2,872,370	2,582
2021-09-30 (YTD Data)		Rank
Total interest income	$9,073,000	2,233
Total interest expense	$1,412,000	1,468
Net interest income	$7,661,000	2,338
Provision for loan and lease losses	$0	2,963
Total noninterest income	$585,000	3,282
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$254,000	2,056
Trading account gains and fees	NA	NA
Additional Noninterest Income	$331,000	3,418
Total noninterest expense	$5,893,000	2,327
Salaries and employee benefits	$2,990,000	2,521
Premises and equipment expense	$409,000	2,916
Additional noninterest expense	$2,494,000	1,835
Pre-tax net operating income	$2,353,000	2,750
Securities gains (losses)	$-27,000	4,672
Applicable income taxes	$241,000	2,456
Income before extraordinary items	$2,085,000	2,743
Extraordinary gains, net	$0	8
Net income	$2,085,000	2,743
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,085,000	2,743
Net charge-offs	$-49,000	4,204
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$2,109,300	2,708
2021-06-30 (YTD Data)		Rank
Total interest income	$5,762,000	2,301
Total interest expense	$1,004,000	1,453
Net interest income	$4,758,000	2,438
Provision for loan and lease losses	$0	2,862
Total noninterest income	$390,000	3,267
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$163,000	2,055
Trading account gains and fees	NA	NA
Additional Noninterest Income	$227,000	3,384
Total noninterest expense	$3,878,000	2,344
Salaries and employee benefits	$2,015,000	2,496
Premises and equipment expense	$236,000	3,137
Additional noninterest expense	$1,627,000	1,843
Pre-tax net operating income	$1,270,000	2,978
Securities gains (losses)	$-17,000	4,693
Applicable income taxes	$97,000	2,746
Income before extraordinary items	$1,156,000	2,966
Extraordinary gains, net	$0	6
Net income	$1,156,000	2,965
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,156,000	2,966
Net charge-offs	$-2,000	3,249
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,171,640	2,928
2021-03-31 (YTD Data)		Rank
Total interest income	$2,885,000	2,286
Total interest expense	$538,000	1,436
Net interest income	$2,347,000	2,440
Provision for loan and lease losses	$0	2,741
Total noninterest income	$181,000	3,329
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$78,000	2,093
Trading account gains and fees	NA	NA
Additional Noninterest Income	$103,000	3,476
Total noninterest expense	$1,856,000	2,379
Salaries and employee benefits	$970,000	2,540
Premises and equipment expense	$107,000	3,300
Additional noninterest expense	$779,000	1,872
Pre-tax net operating income	$672,000	2,889
Securities gains (losses)	$-8,000	4,649
Applicable income taxes	$54,000	2,650
Income before extraordinary items	$610,000	2,884
Extraordinary gains, net	$0	3
Net income	$610,000	2,883
Minority interest net income	$0	55
Net income of bank and minority interests.	$610,000	2,884
Net charge-offs	$-10,000	4,067
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$617,360	2,830
2020-12-31 (YTD Data)		Rank
Total interest income	$11,871,000	2,253
Total interest expense	$2,733,000	1,607
Net interest income	$9,138,000	2,400
Provision for loan and lease losses	$0	4,319
Total noninterest income	$539,000	3,552
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$299,000	2,238
Trading account gains and fees	NA	NA
Additional Noninterest Income	$240,000	3,813
Total noninterest expense	$7,842,000	2,302
Salaries and employee benefits	$4,313,000	2,372
Premises and equipment expense	$815,000	2,317
Additional noninterest expense	$2,714,000	2,087
Pre-tax net operating income	$1,835,000	3,047
Securities gains (losses)	$-5,000	4,758
Applicable income taxes	$148,000	2,729
Income before extraordinary items	$1,682,000	3,054
Extraordinary gains, net	$0	4
Net income	$1,682,000	3,053
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,682,000	3,054
Net charge-offs	$23,000	2,755
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$1,686,600	2,991
2020-09-30 (YTD Data)		Rank
Total interest income	$9,051,000	2,241
Total interest expense	$2,105,000	1,649
Net interest income	$6,946,000	2,376
Provision for loan and lease losses	$0	4,239
Total noninterest income	$484,000	3,342
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$219,000	2,278
Trading account gains and fees	NA	NA
Additional Noninterest Income	$265,000	3,468
Total noninterest expense	$5,870,000	2,284
Salaries and employee benefits	$3,205,000	2,362
Premises and equipment expense	$625,000	2,279
Additional noninterest expense	$2,040,000	2,046
Pre-tax net operating income	$1,560,000	2,904
Securities gains (losses)	$-72,000	4,931
Applicable income taxes	$170,000	2,489
Income before extraordinary items	$1,318,000	2,996
Extraordinary gains, net	$0	4
Net income	$1,318,000	2,995
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,318,000	2,996
Net charge-offs	$21,000	2,476
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,382,080	2,891
2020-06-30 (YTD Data)		Rank
Total interest income	$6,174,000	2,233
Total interest expense	$1,420,000	1,719
Net interest income	$4,754,000	2,353
Provision for loan and lease losses	$0	4,134
Total noninterest income	$301,000	3,393
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$144,000	2,327
Trading account gains and fees	NA	NA
Additional Noninterest Income	$157,000	3,547
Total noninterest expense	$3,833,000	2,314
Salaries and employee benefits	$2,138,000	2,358
Premises and equipment expense	$398,000	2,343
Additional noninterest expense	$1,297,000	2,112
Pre-tax net operating income	$1,222,000	2,663
Securities gains (losses)	$-7,000	4,741
Applicable income taxes	$193,000	2,092
Income before extraordinary items	$1,022,000	2,779
Extraordinary gains, net	$0	4
Net income	$1,022,000	2,778
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,022,000	2,779
Net charge-offs	$9,000	2,487
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,027,880	2,726
2020-03-31 (YTD Data)		Rank
Total interest income	$3,005,000	2,261
Total interest expense	$712,000	1,823
Net interest income	$2,293,000	2,367
Provision for loan and lease losses	$0	3,711
Total noninterest income	$159,000	3,305
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$86,000	2,341
Trading account gains and fees	NA	NA
Additional Noninterest Income	$73,000	3,518
Total noninterest expense	$1,962,000	2,299
Salaries and employee benefits	$1,047,000	2,405
Premises and equipment expense	$200,000	2,351
Additional noninterest expense	$715,000	2,000
Pre-tax net operating income	$490,000	2,811
Securities gains (losses)	$-11,000	4,805
Applicable income taxes	$88,000	2,047
Income before extraordinary items	$391,000	2,955
Extraordinary gains, net	$0	4
Net income	$391,000	2,956
Minority interest net income	$0	56
Net income of bank and minority interests.	$391,000	2,956
Net charge-offs	$-12,000	4,522
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$400,020	2,911
2019-12-31 (YTD Data)		Rank
Total interest income	$13,038,000	2,146
Total interest expense	$2,884,000	1,859
Net interest income	$10,154,000	2,215
Provision for loan and lease losses	$0	3,973
Total noninterest income	$444,000	3,792
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$304,000	2,590
Trading account gains and fees	NA	NA
Additional Noninterest Income	$140,000	4,215
Total noninterest expense	$7,677,000	2,313
Salaries and employee benefits	$3,966,000	2,450
Premises and equipment expense	$841,000	2,279
Additional noninterest expense	$2,870,000	1,995
Pre-tax net operating income	$2,921,000	2,502
Securities gains (losses)	$32,000	1,440
Applicable income taxes	$582,000	1,870
Income before extraordinary items	$2,371,000	2,647
Extraordinary gains, net	$0	11
Net income	$2,371,000	2,647
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,371,000	2,649
Net charge-offs	$-78,000	4,853
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,345,400	2,633
2019-09-30 (YTD Data)		Rank
Total interest income	$9,995,000	2,139
Total interest expense	$2,164,000	1,872
Net interest income	$7,831,000	2,190
Provision for loan and lease losses	$0	3,836
Total noninterest income	$312,000	3,902
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$226,000	2,638
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	4,391
Total noninterest expense	$5,654,000	2,348
Salaries and employee benefits	$2,959,000	2,475
Premises and equipment expense	$899,000	1,816
Additional noninterest expense	$1,796,000	2,274
Pre-tax net operating income	$2,489,000	2,372
Securities gains (losses)	$93,000	817
Applicable income taxes	$517,000	1,769
Income before extraordinary items	$2,065,000	2,478
Extraordinary gains, net	$0	11
Net income	$2,065,000	2,479
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,065,000	2,479
Net charge-offs	$-115,000	4,998
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,990,600	2,503
2019-06-30 (YTD Data)		Rank
Total interest income	$6,750,000	2,117
Total interest expense	$1,426,000	1,866
Net interest income	$5,324,000	2,163
Provision for loan and lease losses	$0	3,685
Total noninterest income	$182,000	4,036
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$155,000	2,569
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	4,790
Total noninterest expense	$3,934,000	2,290
Salaries and employee benefits	$1,945,000	2,511
Premises and equipment expense	$430,000	2,271
Additional noninterest expense	$1,559,000	1,876
Pre-tax net operating income	$1,572,000	2,424
Securities gains (losses)	$89,000	570
Applicable income taxes	$336,000	1,764
Income before extraordinary items	$1,325,000	2,500
Extraordinary gains, net	$0	11
Net income	$1,325,000	2,499
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,325,000	2,499
Net charge-offs	$-57,000	4,943
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,253,800	2,563
2019-03-31 (YTD Data)		Rank
Total interest income	$3,423,000	2,082
Total interest expense	$685,000	1,880
Net interest income	$2,738,000	2,120
Provision for loan and lease losses	$0	3,406
Total noninterest income	$76,000	4,213
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$72,000	2,700
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,000	5,104
Total noninterest expense	$1,982,000	2,289
Salaries and employee benefits	$883,000	2,703
Premises and equipment expense	$204,000	2,369
Additional noninterest expense	$895,000	1,666
Pre-tax net operating income	$832,000	2,312
Securities gains (losses)	$87,000	297
Applicable income taxes	$180,000	1,681
Income before extraordinary items	$739,000	2,290
Extraordinary gains, net	$0	5
Net income	$739,000	2,289
Minority interest net income	$0	52
Net income of bank and minority interests.	$739,000	2,289
Net charge-offs	$-20,000	4,863
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$669,400	2,414
2018-12-31 (YTD Data)		Rank
Total interest income	$13,492,000	2,019
Total interest expense	$2,577,000	1,606
Net interest income	$10,915,000	2,097
Provision for loan and lease losses	$0	4,082
Total noninterest income	$551,000	3,653
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$291,000	2,794
Trading account gains and fees	NA	NA
Additional Noninterest Income	$260,000	3,831
Total noninterest expense	$8,551,000	2,141
Salaries and employee benefits	$3,453,000	2,707
Premises and equipment expense	$812,000	2,345
Additional noninterest expense	$4,286,000	1,412
Pre-tax net operating income	$2,915,000	2,544
Securities gains (losses)	$-17,000	4,544
Applicable income taxes	$560,000	1,883
Income before extraordinary items	$2,338,000	2,696
Extraordinary gains, net	$0	6
Net income	$2,338,000	2,694
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,338,000	2,695
Net charge-offs	$-92,000	5,033
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,351,770	2,678
2018-09-30 (YTD Data)		Rank
Total interest income	$10,202,000	1,995
Total interest expense	$1,886,000	1,561
Net interest income	$8,316,000	2,071
Provision for loan and lease losses	$0	3,948
Total noninterest income	$214,000	4,403
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$214,000	2,842
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	5,363
Total noninterest expense	$5,836,000	2,294
Salaries and employee benefits	$2,443,000	2,820
Premises and equipment expense	$619,000	2,335
Additional noninterest expense	$2,774,000	1,600
Pre-tax net operating income	$2,694,000	2,271
Securities gains (losses)	$-38,000	5,082
Applicable income taxes	$558,000	1,698
Income before extraordinary items	$2,098,000	2,436
Extraordinary gains, net	$0	5
Net income	$2,098,000	2,435
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,098,000	2,435
Net charge-offs	$-86,000	5,078
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,128,020	2,409
2018-06-30 (YTD Data)		Rank
Total interest income	$6,819,000	1,974
Total interest expense	$1,228,000	1,520
Net interest income	$5,591,000	2,060
Provision for loan and lease losses	$0	3,782
Total noninterest income	$133,000	4,514
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$136,000	2,904
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-3,000	5,475
Total noninterest expense	$3,821,000	2,335
Salaries and employee benefits	$1,590,000	2,887
Premises and equipment expense	$409,000	2,373
Additional noninterest expense	$1,822,000	1,627
Pre-tax net operating income	$1,903,000	2,165
Securities gains (losses)	$-44,000	5,246
Applicable income taxes	$390,000	1,636
Income before extraordinary items	$1,469,000	2,344
Extraordinary gains, net	$0	6
Net income	$1,469,000	2,343
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,469,000	2,343
Net charge-offs	$-44,000	4,983
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,503,760	2,307
2018-03-31 (YTD Data)		Rank
Total interest income	$3,387,000	1,976
Total interest expense	$599,000	1,486
Net interest income	$2,788,000	2,068
Provision for loan and lease losses	$0	3,508
Total noninterest income	$68,000	4,505
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$65,000	2,994
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,000	5,375
Total noninterest expense	$2,003,000	2,277
Salaries and employee benefits	$806,000	2,889
Premises and equipment expense	$205,000	2,405
Additional noninterest expense	$992,000	1,517
Pre-tax net operating income	$853,000	2,283
Securities gains (losses)	$-74,000	5,444
Applicable income taxes	$163,000	1,761
Income before extraordinary items	$616,000	2,572
Extraordinary gains, net	$0	7
Net income	$616,000	2,572
Minority interest net income	$0	52
Net income of bank and minority interests.	$616,000	2,572
Net charge-offs	$1,000	2,559
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$674,460	2,422
2017-12-31 (YTD Data)		Rank
Total interest income	$14,114,000	1,868
Total interest expense	$2,579,000	1,250
Net interest income	$11,535,000	1,978
Provision for loan and lease losses	$0	4,227
Total noninterest income	$277,000	4,575
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$298,000	2,875
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-21,000	5,595
Total noninterest expense	$6,813,000	2,548
Salaries and employee benefits	$2,989,000	2,990
Premises and equipment expense	$763,000	2,526
Additional noninterest expense	$3,061,000	1,900
Pre-tax net operating income	$4,999,000	1,712
Securities gains (losses)	$189,000	415
Applicable income taxes	$1,683,000	1,434
Income before extraordinary items	$3,505,000	1,802
Extraordinary gains, net	$0	9
Net income	$3,505,000	1,802
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,505,000	1,803
Net charge-offs	$330,000	1,396
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$3,376,480	1,833
2017-09-30 (YTD Data)		Rank
Total interest income	$10,702,000	1,853
Total interest expense	$1,954,000	1,220
Net interest income	$8,748,000	1,967
Provision for loan and lease losses	$0	4,088
Total noninterest income	$207,000	4,636
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$224,000	2,886
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-17,000	5,678
Total noninterest expense	$5,014,000	2,591
Salaries and employee benefits	$2,145,000	3,094
Premises and equipment expense	$577,000	2,535
Additional noninterest expense	$2,292,000	1,906
Pre-tax net operating income	$3,941,000	1,662
Securities gains (losses)	$200,000	368
Applicable income taxes	$1,408,000	1,171
Income before extraordinary items	$2,733,000	1,880
Extraordinary gains, net	$0	9
Net income	$2,733,000	1,880
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,733,000	1,880
Net charge-offs	$216,000	1,339
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,601,000	1,940
2017-06-30 (YTD Data)		Rank
Total interest income	$7,175,000	1,827
Total interest expense	$1,306,000	1,164
Net interest income	$5,869,000	1,942
Provision for loan and lease losses	$0	3,871
Total noninterest income	$132,000	4,691
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$146,000	2,921
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-14,000	5,726
Total noninterest expense	$3,371,000	2,585
Salaries and employee benefits	$1,398,000	3,156
Premises and equipment expense	$397,000	2,498
Additional noninterest expense	$1,576,000	1,859
Pre-tax net operating income	$2,630,000	1,634
Securities gains (losses)	$0	1,906
Applicable income taxes	$894,000	1,186
Income before extraordinary items	$1,736,000	1,909
Extraordinary gains, net	$0	11
Net income	$1,736,000	1,909
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,736,000	1,909
Net charge-offs	$41,000	2,135
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,736,000	1,885
2017-03-31 (YTD Data)		Rank
Total interest income	$3,591,000	1,806
Total interest expense	$645,000	1,157
Net interest income	$2,946,000	1,930
Provision for loan and lease losses	$0	3,537
Total noninterest income	$81,000	4,529
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$69,000	3,015
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	5,287
Total noninterest expense	$1,712,000	2,578
Salaries and employee benefits	$691,000	3,214
Premises and equipment expense	$205,000	2,471
Additional noninterest expense	$816,000	1,805
Pre-tax net operating income	$1,315,000	1,593
Securities gains (losses)	$0	1,153
Applicable income taxes	$447,000	1,166
Income before extraordinary items	$868,000	1,852
Extraordinary gains, net	$0	8
Net income	$868,000	1,852
Minority interest net income	$0	55
Net income of bank and minority interests.	$868,000	1,852
Net charge-offs	$0	2,943
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$868,000	1,841
2016-12-31 (YTD Data)		Rank
Total interest income	$15,767,000	1,603
Total interest expense	$2,843,000	1,015
Net interest income	$12,924,000	1,735
Provision for loan and lease losses	$100,000	3,103
Total noninterest income	$333,000	4,563
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$324,000	2,821
Trading account gains and fees	$0	170
Additional Noninterest Income	$9,000	5,696
Total noninterest expense	$6,863,000	2,599
Salaries and employee benefits	$2,686,000	3,271
Premises and equipment expense	$828,000	2,430
Additional noninterest expense	$3,349,000	1,793
Pre-tax net operating income	$6,294,000	1,348
Securities gains (losses)	$362,000	572
Applicable income taxes	$2,261,000	952
Income before extraordinary items	$4,395,000	1,542
Extraordinary gains, net	$0	5
Net income	$4,395,000	1,541
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,395,000	1,541
Net charge-offs	$425,000	1,200
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$4,156,080	1,572
2016-09-30 (YTD Data)		Rank
Total interest income	$12,606,000	1,511
Total interest expense	$2,201,000	989
Net interest income	$10,405,000	1,617
Provision for loan and lease losses	$100,000	2,703
Total noninterest income	$248,000	4,617
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$241,000	2,849
Trading account gains and fees	$0	169
Additional Noninterest Income	$7,000	5,763
Total noninterest expense	$5,305,000	2,527
Salaries and employee benefits	$1,937,000	3,333
Premises and equipment expense	$652,000	2,368
Additional noninterest expense	$2,716,000	1,673
Pre-tax net operating income	$5,248,000	1,268
Securities gains (losses)	$-55,000	5,887
Applicable income taxes	$1,763,000	954
Income before extraordinary items	$3,430,000	1,508
Extraordinary gains, net	$0	5
Net income	$3,430,000	1,507
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,430,000	1,508
Net charge-offs	$243,000	1,316
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$3,466,300	1,457
2016-06-30 (YTD Data)		Rank
Total interest income	$8,176,000	1,552
Total interest expense	$1,534,000	939
Net interest income	$6,642,000	1,698
Provision for loan and lease losses	$100,000	2,280
Total noninterest income	$165,000	4,642
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$161,000	2,831
Trading account gains and fees	$0	157
Additional Noninterest Income	$4,000	5,848
Total noninterest expense	$3,563,000	2,525
Salaries and employee benefits	$1,268,000	3,390
Premises and equipment expense	$470,000	2,245
Additional noninterest expense	$1,825,000	1,657
Pre-tax net operating income	$3,144,000	1,368
Securities gains (losses)	$0	2,835
Applicable income taxes	$1,067,000	1,032
Income before extraordinary items	$2,077,000	1,602
Extraordinary gains, net	$0	16
Net income	$2,077,000	1,603
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,077,000	1,603
Net charge-offs	$192,000	1,151
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,077,000	1,560
2016-03-31 (YTD Data)		Rank
Total interest income	$4,235,000	1,505
Total interest expense	$814,000	891
Net interest income	$3,421,000	1,650
Provision for loan and lease losses	$100,000	1,495
Total noninterest income	$83,000	4,611
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$81,000	2,791
Trading account gains and fees	$0	142
Additional Noninterest Income	$2,000	5,890
Total noninterest expense	$1,921,000	2,383
Salaries and employee benefits	$634,000	3,408
Premises and equipment expense	$262,000	2,086
Additional noninterest expense	$1,025,000	1,488
Pre-tax net operating income	$1,483,000	1,416
Securities gains (losses)	$0	2,077
Applicable income taxes	$502,000	1,052
Income before extraordinary items	$981,000	1,650
Extraordinary gains, net	$0	12
Net income	$981,000	1,651
Minority interest net income	$0	62
Net income of bank and minority interests.	$981,000	1,651
Net charge-offs	$85,000	1,105
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$981,000	1,611
2015-12-31 (YTD Data)		Rank
Total interest income	$18,781,000	1,342
Total interest expense	$4,165,000	671
Net interest income	$14,616,000	1,512
Provision for loan and lease losses	$1,723,000	514
Total noninterest income	$305,000	4,786
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$309,000	2,966
Trading account gains and fees	$0	159
Additional Noninterest Income	$-4,000	6,054
Total noninterest expense	$7,187,000	2,516
Salaries and employee benefits	$2,612,000	3,308
Premises and equipment expense	$850,000	2,441
Additional noninterest expense	$3,725,000	1,632
Pre-tax net operating income	$6,011,000	1,364
Securities gains (losses)	$0	3,216
Applicable income taxes	$2,044,000	991
Income before extraordinary items	$3,967,000	1,608
Extraordinary gains, net	$0	23
Net income	$3,967,000	1,610
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,967,000	1,610
Net charge-offs	$1,036,000	665
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,967,000	1,580
2015-09-30 (YTD Data)		Rank
Total interest income	$14,397,000	1,339
Total interest expense	$3,255,000	650
Net interest income	$11,142,000	1,499
Provision for loan and lease losses	$1,263,000	483
Total noninterest income	$221,000	4,859
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$229,000	3,010
Trading account gains and fees	$0	153
Additional Noninterest Income	$-8,000	6,159
Total noninterest expense	$5,306,000	2,557
Salaries and employee benefits	$1,905,000	3,383
Premises and equipment expense	$640,000	2,463
Additional noninterest expense	$2,761,000	1,646
Pre-tax net operating income	$4,794,000	1,319
Securities gains (losses)	$0	3,031
Applicable income taxes	$1,630,000	973
Income before extraordinary items	$3,164,000	1,556
Extraordinary gains, net	$0	21
Net income	$3,164,000	1,556
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,164,000	1,557
Net charge-offs	$704,000	676
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$3,164,000	1,524
2015-06-30 (YTD Data)		Rank
Total interest income	$9,812,000	1,305
Total interest expense	$2,227,000	632
Net interest income	$7,585,000	1,476
Provision for loan and lease losses	$898,000	477
Total noninterest income	$146,000	4,889
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$150,000	3,023
Trading account gains and fees	$0	157
Additional Noninterest Income	$-4,000	6,215
Total noninterest expense	$3,433,000	2,639
Salaries and employee benefits	$1,308,000	3,340
Premises and equipment expense	$415,000	2,524
Additional noninterest expense	$1,710,000	1,776
Pre-tax net operating income	$3,400,000	1,237
Securities gains (losses)	$0	2,636
Applicable income taxes	$1,156,000	929
Income before extraordinary items	$2,244,000	1,473
Extraordinary gains, net	$0	22
Net income	$2,244,000	1,474
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,244,000	1,475
Net charge-offs	$589,000	554
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,244,000	1,435
2015-03-31 (YTD Data)		Rank
Total interest income	$5,175,000	1,230
Total interest expense	$1,137,000	615
Net interest income	$4,038,000	1,397
Provision for loan and lease losses	$498,000	420
Total noninterest income	$67,000	4,993
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$74,000	3,026
Trading account gains and fees	$0	152
Additional Noninterest Income	$-7,000	6,308
Total noninterest expense	$1,741,000	2,611
Salaries and employee benefits	$680,000	3,299
Premises and equipment expense	$207,000	2,582
Additional noninterest expense	$854,000	1,759
Pre-tax net operating income	$1,866,000	1,118
Securities gains (losses)	$0	2,027
Applicable income taxes	$634,000	864
Income before extraordinary items	$1,232,000	1,339
Extraordinary gains, net	$0	13
Net income	$1,232,000	1,340
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,232,000	1,341
Net charge-offs	$444,000	393
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,232,000	1,297
2014-12-31 (YTD Data)		Rank
Total interest income	$21,514,000	1,188
Total interest expense	$4,253,000	682
Net interest income	$17,261,000	1,297
Provision for loan and lease losses	$1,395,000	659
Total noninterest income	$329,000	4,885
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$316,000	3,110
Trading account gains and fees	$0	180
Additional Noninterest Income	$13,000	6,130
Total noninterest expense	$6,948,000	2,635
Salaries and employee benefits	$2,844,000	3,184
Premises and equipment expense	$738,000	2,809
Additional noninterest expense	$3,366,000	1,830
Pre-tax net operating income	$9,247,000	901
Securities gains (losses)	$0	3,259
Applicable income taxes	$3,144,000	696
Income before extraordinary items	$6,103,000	1,084
Extraordinary gains, net	$0	17
Net income	$6,103,000	1,082
Minority interest net income	$0	84
Net income of bank and minority interests.	$6,103,000	1,083
Net charge-offs	$1,380,000	693
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$6,103,000	1,055
2014-09-30 (YTD Data)		Rank
Total interest income	$16,104,000	1,203
Total interest expense	$3,126,000	697
Net interest income	$12,978,000	1,295
Provision for loan and lease losses	$1,145,000	589
Total noninterest income	$244,000	4,957
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$235,000	3,155
Trading account gains and fees	$0	174
Additional Noninterest Income	$9,000	6,215
Total noninterest expense	$5,142,000	2,657
Salaries and employee benefits	$2,063,000	3,294
Premises and equipment expense	$542,000	2,882
Additional noninterest expense	$2,537,000	1,818
Pre-tax net operating income	$6,935,000	914
Securities gains (losses)	$0	2,980
Applicable income taxes	$2,358,000	711
Income before extraordinary items	$4,577,000	1,090
Extraordinary gains, net	$0	15
Net income	$4,577,000	1,089
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,577,000	1,089
Net charge-offs	$950,000	703
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$4,577,000	1,065
2014-06-30 (YTD Data)		Rank
Total interest income	$10,811,000	1,183
Total interest expense	$2,061,000	712
Net interest income	$8,750,000	1,274
Provision for loan and lease losses	$880,000	510
Total noninterest income	$159,000	4,973
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$153,000	3,188
Trading account gains and fees	$0	172
Additional Noninterest Income	$6,000	6,271
Total noninterest expense	$3,463,000	2,639
Salaries and employee benefits	$1,372,000	3,316
Premises and equipment expense	$353,000	2,945
Additional noninterest expense	$1,738,000	1,765
Pre-tax net operating income	$4,566,000	894
Securities gains (losses)	$0	2,580
Applicable income taxes	$1,552,000	699
Income before extraordinary items	$3,014,000	1,069
Extraordinary gains, net	$0	20
Net income	$3,014,000	1,069
Minority interest net income	$0	80
Net income of bank and minority interests.	$3,014,000	1,070
Net charge-offs	$773,000	620
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$3,014,000	1,047
2014-03-31 (YTD Data)		Rank
Total interest income	$5,316,000	1,208
Total interest expense	$1,030,000	720
Net interest income	$4,286,000	1,297
Provision for loan and lease losses	$350,000	616
Total noninterest income	$77,000	4,994
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$74,000	3,229
Trading account gains and fees	$0	147
Additional Noninterest Income	$3,000	6,315
Total noninterest expense	$1,752,000	2,624
Salaries and employee benefits	$673,000	3,381
Premises and equipment expense	$189,000	2,863
Additional noninterest expense	$890,000	1,714
Pre-tax net operating income	$2,261,000	877
Securities gains (losses)	$0	1,715
Applicable income taxes	$769,000	681
Income before extraordinary items	$1,492,000	1,054
Extraordinary gains, net	$0	16
Net income	$1,492,000	1,055
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,492,000	1,055
Net charge-offs	$273,000	768
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,492,000	1,027
2013-12-31 (YTD Data)		Rank
Total interest income	$16,716,000	1,500
Total interest expense	$4,522,000	740
Net interest income	$12,194,000	1,771
Provision for loan and lease losses	$1,779,000	684
Total noninterest income	$316,000	5,074
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$281,000	3,465
Trading account gains and fees	$0	184
Additional Noninterest Income	$35,000	6,047
Total noninterest expense	$6,579,000	2,771
Salaries and employee benefits	$2,773,000	3,283
Premises and equipment expense	$556,000	3,491
Additional noninterest expense	$3,250,000	1,942
Pre-tax net operating income	$4,152,000	1,673
Securities gains (losses)	$0	3,182
Applicable income taxes	$1,412,000	1,166
Income before extraordinary items	$2,740,000	2,034
Extraordinary gains, net	$0	29
Net income	$2,740,000	2,038
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,740,000	2,038
Net charge-offs	$1,089,000	1,186
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,740,000	1,982
2013-09-30 (YTD Data)		Rank
Total interest income	$11,952,000	1,579
Total interest expense	$3,427,000	755
Net interest income	$8,525,000	1,884
Provision for loan and lease losses	$1,479,000	653
Total noninterest income	$243,000	5,113
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$211,000	3,491
Trading account gains and fees	$0	180
Additional Noninterest Income	$32,000	6,033
Total noninterest expense	$4,845,000	2,818
Salaries and employee benefits	$2,021,000	3,377
Premises and equipment expense	$408,000	3,565
Additional noninterest expense	$2,416,000	1,941
Pre-tax net operating income	$2,444,000	2,100
Securities gains (losses)	$0	3,040
Applicable income taxes	$831,000	1,416
Income before extraordinary items	$1,613,000	2,511
Extraordinary gains, net	$0	25
Net income	$1,613,000	2,516
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,613,000	2,516
Net charge-offs	$923,000	1,062
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,613,000	2,437
2013-06-30 (YTD Data)		Rank
Total interest income	$7,606,000	1,655
Total interest expense	$2,311,000	771
Net interest income	$5,295,000	1,984
Provision for loan and lease losses	$525,000	1,115
Total noninterest income	$160,000	5,156
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$131,000	3,596
Trading account gains and fees	$0	157
Additional Noninterest Income	$29,000	5,885
Total noninterest expense	$3,203,000	2,844
Salaries and employee benefits	$1,335,000	3,405
Premises and equipment expense	$272,000	3,570
Additional noninterest expense	$1,596,000	1,960
Pre-tax net operating income	$1,727,000	1,958
Securities gains (losses)	$0	2,791
Applicable income taxes	$587,000	1,378
Income before extraordinary items	$1,140,000	2,382
Extraordinary gains, net	$0	22
Net income	$1,140,000	2,392
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,140,000	2,390
Net charge-offs	$509,000	1,245
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,140,000	2,296
2013-03-31 (YTD Data)		Rank
Total interest income	$3,782,000	1,668
Total interest expense	$1,190,000	781
Net interest income	$2,592,000	2,034
Provision for loan and lease losses	$350,000	887
Total noninterest income	$64,000	5,454
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$62,000	3,704
Trading account gains and fees	$0	148
Additional Noninterest Income	$2,000	6,573
Total noninterest expense	$1,585,000	2,892
Salaries and employee benefits	$659,000	3,476
Premises and equipment expense	$134,000	3,651
Additional noninterest expense	$792,000	1,977
Pre-tax net operating income	$721,000	2,215
Securities gains (losses)	$0	1,966
Applicable income taxes	$245,000	1,527
Income before extraordinary items	$476,000	2,680
Extraordinary gains, net	$0	10
Net income	$476,000	2,683
Minority interest net income	$0	76
Net income of bank and minority interests.	$476,000	2,682
Net charge-offs	$291,000	1,081
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$476,000	2,605
2012-12-31 (YTD Data)		Rank
Total interest income	$16,586,000	1,606
Total interest expense	$6,708,000	634
Net interest income	$9,878,000	2,178
Provision for loan and lease losses	$-580,000	6,997
Total noninterest income	$263,000	5,393
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$249,000	3,856
Trading account gains and fees	$0	166
Additional Noninterest Income	$14,000	6,358
Total noninterest expense	$6,035,000	3,016
Salaries and employee benefits	$2,671,000	3,400
Premises and equipment expense	$502,000	3,816
Additional noninterest expense	$2,862,000	2,264
Pre-tax net operating income	$4,686,000	1,451
Securities gains (losses)	$0	3,810
Applicable income taxes	$1,593,000	1,044
Income before extraordinary items	$3,093,000	1,804
Extraordinary gains, net	$0	29
Net income	$3,093,000	1,803
Minority interest net income	$0	93
Net income of bank and minority interests.	$3,093,000	1,804
Net charge-offs	$893,000	1,946
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,093,000	1,711
2012-09-30 (YTD Data)		Rank
Total interest income	$13,226,000	1,533
Total interest expense	$5,250,000	641
Net interest income	$7,976,000	2,063
Provision for loan and lease losses	$-70,000	7,004
Total noninterest income	$197,000	5,443
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$187,000	3,901
Trading account gains and fees	$0	157
Additional Noninterest Income	$10,000	6,493
Total noninterest expense	$4,457,000	3,069
Salaries and employee benefits	$1,923,000	3,520
Premises and equipment expense	$372,000	3,892
Additional noninterest expense	$2,162,000	2,243
Pre-tax net operating income	$3,786,000	1,398
Securities gains (losses)	$0	3,575
Applicable income taxes	$1,287,000	1,014
Income before extraordinary items	$2,499,000	1,749
Extraordinary gains, net	$0	20
Net income	$2,499,000	1,748
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,499,000	1,750
Net charge-offs	$638,000	1,916
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,499,000	1,646
2012-06-30 (YTD Data)		Rank
Total interest income	$9,369,000	1,455
Total interest expense	$3,591,000	645
Net interest income	$5,778,000	1,914
Provision for loan and lease losses	$610,000	1,554
Total noninterest income	$129,000	5,505
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$124,000	3,895
Trading account gains and fees	$0	153
Additional Noninterest Income	$5,000	6,592
Total noninterest expense	$2,933,000	3,115
Salaries and employee benefits	$1,244,000	3,614
Premises and equipment expense	$243,000	3,940
Additional noninterest expense	$1,446,000	2,244
Pre-tax net operating income	$2,364,000	1,471
Securities gains (losses)	$0	3,178
Applicable income taxes	$804,000	1,056
Income before extraordinary items	$1,560,000	1,828
Extraordinary gains, net	$0	19
Net income	$1,560,000	1,825
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,560,000	1,828
Net charge-offs	$568,000	1,648
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,560,000	1,736
2012-03-31 (YTD Data)		Rank
Total interest income	$4,870,000	1,414
Total interest expense	$1,792,000	667
Net interest income	$3,078,000	1,817
Provision for loan and lease losses	$300,000	1,500
Total noninterest income	$62,000	5,607
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$60,000	3,962
Trading account gains and fees	$0	148
Additional Noninterest Income	$2,000	6,726
Total noninterest expense	$1,438,000	3,153
Salaries and employee benefits	$589,000	3,781
Premises and equipment expense	$120,000	3,990
Additional noninterest expense	$729,000	2,214
Pre-tax net operating income	$1,402,000	1,251
Securities gains (losses)	$0	2,210
Applicable income taxes	$477,000	928
Income before extraordinary items	$925,000	1,580
Extraordinary gains, net	$0	19
Net income	$925,000	1,581
Minority interest net income	$0	78
Net income of bank and minority interests.	$925,000	1,581
Net charge-offs	$187,000	1,909
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$925,000	1,481
2011-12-31 (YTD Data)		Rank
Total interest income	$18,736,000	1,524
Total interest expense	$7,326,000	809
Net interest income	$11,410,000	1,928
Provision for loan and lease losses	$1,475,000	1,914
Total noninterest income	$248,000	5,472
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$244,000	4,012
Trading account gains and fees	$0	146
Additional Noninterest Income	$4,000	6,629
Total noninterest expense	$5,638,000	3,214
Salaries and employee benefits	$2,385,000	3,700
Premises and equipment expense	$484,000	4,126
Additional noninterest expense	$2,769,000	2,366
Pre-tax net operating income	$4,545,000	1,287
Securities gains (losses)	$0	3,838
Applicable income taxes	$1,545,000	972
Income before extraordinary items	$3,000,000	1,618
Extraordinary gains, net	$0	29
Net income	$3,000,000	1,619
Minority interest net income	$0	96
Net income of bank and minority interests.	$3,000,000	1,619
Net charge-offs	$791,000	2,653
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$3,000,000	1,540
2011-09-30 (YTD Data)		Rank
Total interest income	$13,907,000	1,557
Total interest expense	$5,529,000	843
Net interest income	$8,378,000	1,963
Provision for loan and lease losses	$1,135,000	1,817
Total noninterest income	$187,000	5,555
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$182,000	4,038
Trading account gains and fees	$0	145
Additional Noninterest Income	$5,000	6,748
Total noninterest expense	$4,162,000	3,262
Salaries and employee benefits	$1,713,000	3,812
Premises and equipment expense	$364,000	4,160
Additional noninterest expense	$2,085,000	2,369
Pre-tax net operating income	$3,268,000	1,380
Securities gains (losses)	$0	3,555
Applicable income taxes	$1,111,000	1,008
Income before extraordinary items	$2,157,000	1,725
Extraordinary gains, net	$0	21
Net income	$2,157,000	1,726
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,157,000	1,726
Net charge-offs	$686,000	2,303
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,157,000	1,648
2011-06-30 (YTD Data)		Rank
Total interest income	$9,107,000	1,593
Total interest expense	$3,698,000	882
Net interest income	$5,409,000	2,036
Provision for loan and lease losses	$635,000	1,995
Total noninterest income	$124,000	5,595
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$121,000	4,021
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,000	6,846
Total noninterest expense	$2,821,000	3,255
Salaries and employee benefits	$1,098,000	3,955
Premises and equipment expense	$241,000	4,209
Additional noninterest expense	$1,482,000	2,263
Pre-tax net operating income	$2,077,000	1,405
Securities gains (losses)	$0	2,914
Applicable income taxes	$706,000	1,017
Income before extraordinary items	$1,371,000	1,745
Extraordinary gains, net	$0	15
Net income	$1,371,000	1,745
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,371,000	1,745
Net charge-offs	$495,000	2,151
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,371,000	1,674
2011-03-31 (YTD Data)		Rank
Total interest income	$4,420,000	1,650
Total interest expense	$1,835,000	925
Net interest income	$2,585,000	2,099
Provision for loan and lease losses	$325,000	1,844
Total noninterest income	$61,000	5,688
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$58,000	4,076
Trading account gains and fees	$0	158
Additional Noninterest Income	$3,000	6,858
Total noninterest expense	$1,393,000	3,302
Salaries and employee benefits	$535,000	4,046
Premises and equipment expense	$121,000	4,256
Additional noninterest expense	$737,000	2,250
Pre-tax net operating income	$928,000	1,552
Securities gains (losses)	$0	1,772
Applicable income taxes	$315,000	1,080
Income before extraordinary items	$613,000	1,887
Extraordinary gains, net	$0	9
Net income	$613,000	1,886
Minority interest net income	$0	86
Net income of bank and minority interests.	$613,000	1,887
Net charge-offs	$341,000	1,637
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$613,000	1,835
2010-12-31 (YTD Data)		Rank
Total interest income	$17,275,000	1,750
Total interest expense	$7,586,000	1,089
Net interest income	$9,689,000	2,263
Provision for loan and lease losses	$1,160,000	2,835
Total noninterest income	$251,000	5,665
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$234,000	4,135
Trading account gains and fees	$0	175
Additional Noninterest Income	$17,000	6,653
Total noninterest expense	$5,235,000	3,480
Salaries and employee benefits	$2,110,000	4,081
Premises and equipment expense	$471,000	4,347
Additional noninterest expense	$2,654,000	2,540
Pre-tax net operating income	$3,545,000	1,400
Securities gains (losses)	$-43,000	7,139
Applicable income taxes	$1,191,000	1,075
Income before extraordinary items	$2,311,000	1,782
Extraordinary gains, net	$0	29
Net income	$2,311,000	1,783
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,311,000	1,784
Net charge-offs	$571,000	3,475
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,339,380	1,689
2010-09-30 (YTD Data)		Rank
Total interest income	$13,022,000	1,781
Total interest expense	$5,703,000	1,127
Net interest income	$7,319,000	2,298
Provision for loan and lease losses	$885,000	2,702
Total noninterest income	$191,000	5,756
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$177,000	4,183
Trading account gains and fees	$0	165
Additional Noninterest Income	$14,000	6,805
Total noninterest expense	$3,841,000	3,540
Salaries and employee benefits	$1,510,000	4,250
Premises and equipment expense	$350,000	4,431
Additional noninterest expense	$1,981,000	2,506
Pre-tax net operating income	$2,784,000	1,407
Securities gains (losses)	$-43,000	7,321
Applicable income taxes	$932,000	1,058
Income before extraordinary items	$1,809,000	1,823
Extraordinary gains, net	$0	23
Net income	$1,809,000	1,824
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,809,000	1,825
Net charge-offs	$414,000	3,312
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,837,380	1,702
2010-06-30 (YTD Data)		Rank
Total interest income	$8,701,000	1,798
Total interest expense	$3,755,000	1,190
Net interest income	$4,946,000	2,249
Provision for loan and lease losses	$535,000	2,762
Total noninterest income	$127,000	5,753
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$117,000	4,191
Trading account gains and fees	$0	152
Additional Noninterest Income	$10,000	6,845
Total noninterest expense	$2,542,000	3,581
Salaries and employee benefits	$989,000	4,317
Premises and equipment expense	$237,000	4,403
Additional noninterest expense	$1,316,000	2,507
Pre-tax net operating income	$1,996,000	1,307
Securities gains (losses)	$0	3,184
Applicable income taxes	$679,000	958
Income before extraordinary items	$1,317,000	1,663
Extraordinary gains, net	$0	19
Net income	$1,317,000	1,662
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,317,000	1,663
Net charge-offs	$271,000	3,179
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,317,000	1,586
2010-03-31 (YTD Data)		Rank
Total interest income	$4,438,000	1,802
Total interest expense	$1,879,000	1,242
Net interest income	$2,559,000	2,175
Provision for loan and lease losses	$350,000	2,221
Total noninterest income	$62,000	5,824
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$58,000	4,200
Trading account gains and fees	$0	175
Additional Noninterest Income	$4,000	7,081
Total noninterest expense	$1,267,000	3,609
Salaries and employee benefits	$486,000	4,432
Premises and equipment expense	$124,000	4,388
Additional noninterest expense	$657,000	2,506
Pre-tax net operating income	$1,004,000	1,301
Securities gains (losses)	$0	2,284
Applicable income taxes	$341,000	942
Income before extraordinary items	$663,000	1,643
Extraordinary gains, net	$0	16
Net income	$663,000	1,644
Minority interest net income	$0	91
Net income of bank and minority interests.	$663,000	1,645
Net charge-offs	$87,000	3,229
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$663,000	1,582
2009-12-31 (YTD Data)		Rank
Total interest income	$17,432,000	1,944
Total interest expense	$8,220,000	1,457
Net interest income	$9,212,000	2,369
Provision for loan and lease losses	$1,518,000	2,887
Total noninterest income	$236,000	6,002
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$237,000	4,324
Trading account gains and fees	$0	211
Additional Noninterest Income	$-1,000	7,441
Total noninterest expense	$4,994,000	3,692
Salaries and employee benefits	$1,959,000	4,423
Premises and equipment expense	$453,000	4,658
Additional noninterest expense	$2,582,000	2,677
Pre-tax net operating income	$2,936,000	1,363
Securities gains (losses)	$0	3,754
Applicable income taxes	$998,000	960
Income before extraordinary items	$1,938,000	1,737
Extraordinary gains, net	$0	34
Net income	$1,938,000	1,736
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,938,000	1,737
Net charge-offs	$876,000	3,040
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,938,000	1,686
2009-09-30 (YTD Data)		Rank
Total interest income	$13,060,000	1,975
Total interest expense	$6,235,000	1,509
Net interest income	$6,825,000	2,392
Provision for loan and lease losses	$1,133,000	2,599
Total noninterest income	$197,000	5,913
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$174,000	4,389
Trading account gains and fees	$0	212
Additional Noninterest Income	$23,000	6,907
Total noninterest expense	$3,550,000	3,858
Salaries and employee benefits	$1,406,000	4,589
Premises and equipment expense	$338,000	4,717
Additional noninterest expense	$1,806,000	2,800
Pre-tax net operating income	$2,339,000	1,376
Securities gains (losses)	$0	3,497
Applicable income taxes	$795,000	1,015
Income before extraordinary items	$1,544,000	1,727
Extraordinary gains, net	$0	27
Net income	$1,544,000	1,727
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,544,000	1,727
Net charge-offs	$634,000	2,743
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,544,000	1,686
2009-06-30 (YTD Data)		Rank
Total interest income	$8,590,000	2,040
Total interest expense	$4,125,000	1,582
Net interest income	$4,465,000	2,417
Provision for loan and lease losses	$837,000	2,279
Total noninterest income	$135,000	5,907
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$108,000	4,500
Trading account gains and fees	$0	193
Additional Noninterest Income	$27,000	6,503
Total noninterest expense	$2,346,000	3,913
Salaries and employee benefits	$912,000	4,714
Premises and equipment expense	$225,000	4,742
Additional noninterest expense	$1,209,000	2,810
Pre-tax net operating income	$1,417,000	1,595
Securities gains (losses)	$0	3,136
Applicable income taxes	$482,000	1,118
Income before extraordinary items	$935,000	1,955
Extraordinary gains, net	$0	21
Net income	$935,000	1,953
Minority interest net income	$0	112
Net income of bank and minority interests.	$935,000	1,954
Net charge-offs	$526,000	2,298
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$935,000	1,893
2009-03-31 (YTD Data)		Rank
Total interest income	$4,263,000	2,087
Total interest expense	$2,008,000	1,689
Net interest income	$2,255,000	2,402
Provision for loan and lease losses	$462,000	1,850
Total noninterest income	$55,000	6,240
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$52,000	4,522
Trading account gains and fees	$0	171
Additional Noninterest Income	$3,000	7,508
Total noninterest expense	$1,080,000	4,074
Salaries and employee benefits	$444,000	4,842
Premises and equipment expense	$116,000	4,722
Additional noninterest expense	$520,000	2,902
Pre-tax net operating income	$768,000	1,665
Securities gains (losses)	$0	2,434
Applicable income taxes	$261,000	1,187
Income before extraordinary items	$507,000	2,104
Extraordinary gains, net	$0	15
Net income	$507,000	2,105
Minority interest net income	$0	102
Net income of bank and minority interests.	$507,000	2,105
Net charge-offs	$328,000	1,693
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$507,000	1,975
2008-12-31 (YTD Data)		Rank
Total interest income	$14,585,000	2,536
Total interest expense	$7,795,000	2,017
Net interest income	$6,790,000	3,142
Provision for loan and lease losses	$997,000	2,714
Total noninterest income	$139,000	6,964
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$231,000	4,521
Trading account gains and fees	$0	154
Additional Noninterest Income	$-92,000	8,125
Total noninterest expense	$4,302,000	4,016
Salaries and employee benefits	$1,808,000	4,771
Premises and equipment expense	$473,000	4,610
Additional noninterest expense	$2,021,000	2,848
Pre-tax net operating income	$1,630,000	2,873
Securities gains (losses)	$-247,000	7,388
Applicable income taxes	$464,000	1,920
Income before extraordinary items	$919,000	3,437
Extraordinary gains, net	$0	39
Net income	$919,000	3,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$704,000	2,357
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,082,020	3,279
2008-09-30 (YTD Data)		Rank
Total interest income	$10,478,000	2,700
Total interest expense	$5,806,000	2,102
Net interest income	$4,672,000	3,386
Provision for loan and lease losses	$820,000	2,067
Total noninterest income	$68,000	7,523
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$170,000	4,593
Trading account gains and fees	$0	148
Additional Noninterest Income	$-102,000	8,268
Total noninterest expense	$3,164,000	4,063
Salaries and employee benefits	$1,345,000	4,816
Premises and equipment expense	$348,000	4,680
Additional noninterest expense	$1,471,000	2,819
Pre-tax net operating income	$756,000	4,201
Securities gains (losses)	$0	3,106
Applicable income taxes	$251,000	2,662
Income before extraordinary items	$505,000	4,433
Extraordinary gains, net	$0	31
Net income	$505,000	4,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$540,000	1,880
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$505,000	4,573
2008-06-30 (YTD Data)		Rank
Total interest income	$6,706,000	2,840
Total interest expense	$3,841,000	2,191
Net interest income	$2,865,000	3,617
Provision for loan and lease losses	$435,000	2,058
Total noninterest income	$31,000	7,849
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$107,000	4,719
Trading account gains and fees	$0	149
Additional Noninterest Income	$-76,000	8,374
Total noninterest expense	$2,060,000	4,150
Salaries and employee benefits	$889,000	4,878
Premises and equipment expense	$231,000	4,726
Additional noninterest expense	$940,000	2,899
Pre-tax net operating income	$401,000	4,792
Securities gains (losses)	$0	3,233
Applicable income taxes	$130,000	3,177
Income before extraordinary items	$271,000	5,165
Extraordinary gains, net	$0	21
Net income	$271,000	5,165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$319,000	1,742
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$271,000	5,094
2008-03-31 (YTD Data)		Rank
Total interest income	$3,373,000	2,893
Total interest expense	$2,006,000	2,230
Net interest income	$1,367,000	3,723
Provision for loan and lease losses	$185,000	1,906
Total noninterest income	$55,000	6,514
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$51,000	4,770
Trading account gains and fees	$0	158
Additional Noninterest Income	$4,000	7,805
Total noninterest expense	$1,026,000	4,160
Salaries and employee benefits	$443,000	4,927
Premises and equipment expense	$118,000	4,678
Additional noninterest expense	$465,000	2,897
Pre-tax net operating income	$211,000	4,862
Securities gains (losses)	$0	2,688
Applicable income taxes	$69,000	3,233
Income before extraordinary items	$142,000	5,301
Extraordinary gains, net	$0	15
Net income	$142,000	5,303
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$172,000	1,376
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$142,000	5,197
2007-12-31 (YTD Data)		Rank
Total interest income	$15,469,000	2,600
Total interest expense	$10,542,000	1,880
Net interest income	$4,927,000	4,047
Provision for loan and lease losses	$150,000	4,308
Total noninterest income	$233,000	6,519
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$214,000	4,763
Trading account gains and fees	$0	178
Additional Noninterest Income	$19,000	7,830
Total noninterest expense	$3,979,000	4,140
Salaries and employee benefits	$1,806,000	4,740
Premises and equipment expense	$420,000	4,874
Additional noninterest expense	$1,753,000	3,007
Pre-tax net operating income	$1,031,000	4,684
Securities gains (losses)	$0	2,146
Applicable income taxes	$329,000	3,265
Income before extraordinary items	$702,000	5,045
Extraordinary gains, net	$0	39
Net income	$702,000	5,047
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$292,000	2,330
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$702,000	5,029
2007-09-30 (YTD Data)		Rank
Total interest income	$11,565,000	2,611
Total interest expense	$7,940,000	1,871
Net interest income	$3,625,000	4,109
Provision for loan and lease losses	$142,000	3,566
Total noninterest income	$175,000	6,553
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$161,000	4,776
Trading account gains and fees	$0	184
Additional Noninterest Income	$14,000	7,875
Total noninterest expense	$2,918,000	4,179
Salaries and employee benefits	$1,351,000	4,711
Premises and equipment expense	$316,000	4,857
Additional noninterest expense	$1,251,000	3,072
Pre-tax net operating income	$740,000	5,008
Securities gains (losses)	$0	1,655
Applicable income taxes	$235,000	3,503
Income before extraordinary items	$505,000	5,364
Extraordinary gains, net	$0	33
Net income	$505,000	5,363
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$240,000	1,731
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$505,000	5,346
2007-06-30 (YTD Data)		Rank
Total interest income	$7,601,000	2,663
Total interest expense	$5,197,000	1,896
Net interest income	$2,404,000	4,161
Provision for loan and lease losses	$77,000	3,706
Total noninterest income	$112,000	6,646
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$103,000	4,880
Trading account gains and fees	$0	168
Additional Noninterest Income	$9,000	7,947
Total noninterest expense	$1,893,000	4,290
Salaries and employee benefits	$917,000	4,687
Premises and equipment expense	$207,000	4,923
Additional noninterest expense	$769,000	3,297
Pre-tax net operating income	$546,000	4,876
Securities gains (losses)	$0	1,444
Applicable income taxes	$174,000	3,453
Income before extraordinary items	$372,000	5,227
Extraordinary gains, net	$0	29
Net income	$372,000	5,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$150,000	1,616
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$372,000	5,216
2007-03-31 (YTD Data)		Rank
Total interest income	$3,771,000	2,681
Total interest expense	$2,563,000	1,909
Net interest income	$1,208,000	4,138
Provision for loan and lease losses	$63,000	2,711
Total noninterest income	$51,000	6,791
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$46,000	5,043
Trading account gains and fees	$0	195
Additional Noninterest Income	$5,000	7,889
Total noninterest expense	$871,000	4,537
Salaries and employee benefits	$462,000	4,697
Premises and equipment expense	$99,000	5,082
Additional noninterest expense	$310,000	3,875
Pre-tax net operating income	$325,000	4,466
Securities gains (losses)	$0	1,187
Applicable income taxes	$107,000	3,185
Income before extraordinary items	$218,000	4,869
Extraordinary gains, net	$0	22
Net income	$218,000	4,870
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	1,682
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$218,000	4,843
2006-12-31 (YTD Data)		Rank
Total interest income	$14,651,000	2,604
Total interest expense	$9,621,000	1,745
Net interest income	$5,030,000	3,988
Provision for loan and lease losses	$-98,000	8,463
Total noninterest income	$225,000	6,718
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$186,000	5,128
Trading account gains and fees	$0	130
Additional Noninterest Income	$39,000	7,501
Total noninterest expense	$3,868,000	4,083
Salaries and employee benefits	$1,778,000	4,652
Premises and equipment expense	$416,000	4,800
Additional noninterest expense	$1,674,000	3,008
Pre-tax net operating income	$1,485,000	4,302
Securities gains (losses)	$0	1,687
Applicable income taxes	$484,000	3,198
Income before extraordinary items	$1,001,000	4,716
Extraordinary gains, net	$0	51
Net income	$1,001,000	4,718
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$201,000	2,176
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,001,000	4,708
2006-09-30 (YTD Data)		Rank
Total interest income	$10,843,000	2,616
Total interest expense	$6,991,000	1,741
Net interest income	$3,852,000	3,955
Provision for loan and lease losses	$7,000	6,476
Total noninterest income	$167,000	6,783
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$137,000	5,206
Trading account gains and fees	$0	126
Additional Noninterest Income	$30,000	7,516
Total noninterest expense	$2,870,000	4,105
Salaries and employee benefits	$1,292,000	4,725
Premises and equipment expense	$303,000	4,909
Additional noninterest expense	$1,275,000	2,964
Pre-tax net operating income	$1,142,000	4,428
Securities gains (losses)	$0	1,388
Applicable income taxes	$372,000	3,272
Income before extraordinary items	$770,000	4,789
Extraordinary gains, net	$0	45
Net income	$770,000	4,793
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$150,000	1,826
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$770,000	4,787
2006-06-30 (YTD Data)		Rank
Total interest income	$7,074,000	2,633
Total interest expense	$4,382,000	1,765
Net interest income	$2,692,000	3,844
Provision for loan and lease losses	$2,000	6,347
Total noninterest income	$114,000	6,753
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$88,000	5,282
Trading account gains and fees	$0	126
Additional Noninterest Income	$26,000	7,282
Total noninterest expense	$1,941,000	4,079
Salaries and employee benefits	$854,000	4,791
Premises and equipment expense	$197,000	4,979
Additional noninterest expense	$890,000	2,854
Pre-tax net operating income	$863,000	4,147
Securities gains (losses)	$0	1,185
Applicable income taxes	$283,000	3,127
Income before extraordinary items	$580,000	4,528
Extraordinary gains, net	$0	39
Net income	$580,000	4,532
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	1,846
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$580,000	4,519
2006-03-31 (YTD Data)		Rank
Total interest income	$3,410,000	2,662
Total interest expense	$2,023,000	1,802
Net interest income	$1,387,000	3,758
Provision for loan and lease losses	$-5,000	8,528
Total noninterest income	$39,000	7,341
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$36,000	5,597
Trading account gains and fees	$0	115
Additional Noninterest Income	$3,000	8,266
Total noninterest expense	$971,000	4,099
Salaries and employee benefits	$421,000	4,852
Premises and equipment expense	$101,000	4,920
Additional noninterest expense	$449,000	2,810
Pre-tax net operating income	$460,000	3,942
Securities gains (losses)	$0	955
Applicable income taxes	$151,000	3,033
Income before extraordinary items	$309,000	4,342
Extraordinary gains, net	$0	21
Net income	$309,000	4,342
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	1,941
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$309,000	4,332
2005-12-31 (YTD Data)		Rank
Total interest income	$12,519,000	2,620
Total interest expense	$5,770,000	1,952
Net interest income	$6,749,000	3,132
Provision for loan and lease losses	$740,000	1,354
Total noninterest income	$528,000	5,114
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$167,000	5,420
Trading account gains and fees	$0	138
Additional Noninterest Income	$361,000	3,949
Total noninterest expense	$3,857,000	3,974
Salaries and employee benefits	$1,733,000	4,596
Premises and equipment expense	$404,000	4,824
Additional noninterest expense	$1,720,000	2,881
Pre-tax net operating income	$2,680,000	3,013
Securities gains (losses)	$0	2,296
Applicable income taxes	$894,000	2,424
Income before extraordinary items	$1,786,000	3,378
Extraordinary gains, net	$0	46
Net income	$1,786,000	3,380
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$410,000	1,370
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,786,000	3,342
2005-09-30 (YTD Data)		Rank
Total interest income	$9,235,000	2,601
Total interest expense	$3,960,000	2,011
Net interest income	$5,275,000	3,013
Provision for loan and lease losses	$720,000	1,030
Total noninterest income	$484,000	4,633
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$127,000	5,420
Trading account gains and fees	$0	126
Additional Noninterest Income	$357,000	3,491
Total noninterest expense	$2,833,000	4,007
Salaries and employee benefits	$1,238,000	4,733
Premises and equipment expense	$303,000	4,808
Additional noninterest expense	$1,292,000	2,841
Pre-tax net operating income	$2,206,000	2,838
Securities gains (losses)	$0	2,317
Applicable income taxes	$738,000	2,321
Income before extraordinary items	$1,468,000	3,182
Extraordinary gains, net	$0	35
Net income	$1,468,000	3,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$366,000	1,085
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,468,000	3,143
2005-06-30 (YTD Data)		Rank
Total interest income	$6,017,000	2,596
Total interest expense	$2,401,000	2,064
Net interest income	$3,616,000	2,917
Provision for loan and lease losses	$183,000	2,286
Total noninterest income	$415,000	3,963
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$79,000	5,503
Trading account gains and fees	$0	116
Additional Noninterest Income	$336,000	2,857
Total noninterest expense	$1,880,000	4,006
Salaries and employee benefits	$824,000	4,715
Premises and equipment expense	$201,000	4,806
Additional noninterest expense	$855,000	2,841
Pre-tax net operating income	$1,968,000	2,218
Securities gains (losses)	$0	2,146
Applicable income taxes	$661,000	1,868
Income before extraordinary items	$1,307,000	2,481
Extraordinary gains, net	$0	30
Net income	$1,307,000	2,481
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$185,000	1,272
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,307,000	2,446
2005-03-31 (YTD Data)		Rank
Total interest income	$2,963,000	2,597
Total interest expense	$1,118,000	2,105
Net interest income	$1,845,000	2,855
Provision for loan and lease losses	$118,000	1,825
Total noninterest income	$42,000	7,346
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$39,000	5,509
Trading account gains and fees	$0	115
Additional Noninterest Income	$3,000	8,454
Total noninterest expense	$920,000	4,092
Salaries and employee benefits	$404,000	4,807
Premises and equipment expense	$101,000	4,827
Additional noninterest expense	$415,000	2,926
Pre-tax net operating income	$849,000	2,452
Securities gains (losses)	$0	1,685
Applicable income taxes	$285,000	2,054
Income before extraordinary items	$564,000	2,754
Extraordinary gains, net	$0	24
Net income	$564,000	2,754
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	1,985
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$564,000	2,704
2004-12-31 (YTD Data)		Rank
Total interest income	$11,146,000	2,559
Total interest expense	$4,740,000	1,723
Net interest income	$6,406,000	3,115
Provision for loan and lease losses	$460,000	2,096
Total noninterest income	$208,000	7,083
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$193,000	5,302
Trading account gains and fees	$0	138
Additional Noninterest Income	$15,000	8,368
Total noninterest expense	$3,703,000	3,987
Salaries and employee benefits	$1,685,000	4,555
Premises and equipment expense	$386,000	4,879
Additional noninterest expense	$1,632,000	2,926
Pre-tax net operating income	$2,451,000	3,058
Securities gains (losses)	$0	3,819
Applicable income taxes	$821,000	2,486
Income before extraordinary items	$1,630,000	3,418
Extraordinary gains, net	$0	34
Net income	$1,630,000	3,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$248,000	2,260
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,630,000	3,355
2004-09-30 (YTD Data)		Rank
Total interest income	$8,290,000	2,547
Total interest expense	$3,587,000	1,685
Net interest income	$4,703,000	3,156
Provision for loan and lease losses	$405,000	1,746
Total noninterest income	$154,000	7,150
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$142,000	5,389
Trading account gains and fees	$0	134
Additional Noninterest Income	$12,000	8,377
Total noninterest expense	$2,724,000	4,018
Salaries and employee benefits	$1,206,000	4,665
Premises and equipment expense	$288,000	4,890
Additional noninterest expense	$1,230,000	2,866
Pre-tax net operating income	$1,728,000	3,246
Securities gains (losses)	$0	3,710
Applicable income taxes	$578,000	2,638
Income before extraordinary items	$1,150,000	3,647
Extraordinary gains, net	$0	26
Net income	$1,150,000	3,647
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$190,000	1,983
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,150,000	3,580
2004-06-30 (YTD Data)		Rank
Total interest income	$5,446,000	2,567
Total interest expense	$2,434,000	1,632
Net interest income	$3,012,000	3,269
Provision for loan and lease losses	$265,000	1,752
Total noninterest income	$100,000	7,246
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$92,000	5,442
Trading account gains and fees	$0	130
Additional Noninterest Income	$8,000	8,431
Total noninterest expense	$1,806,000	4,069
Salaries and employee benefits	$802,000	4,723
Premises and equipment expense	$189,000	4,954
Additional noninterest expense	$815,000	2,891
Pre-tax net operating income	$1,041,000	3,440
Securities gains (losses)	$0	3,413
Applicable income taxes	$351,000	2,795
Income before extraordinary items	$690,000	3,875
Extraordinary gains, net	$0	21
Net income	$690,000	3,876
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	2,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$690,000	3,794
2004-03-31 (YTD Data)		Rank
Total interest income	$2,777,000	2,517
Total interest expense	$1,286,000	1,557
Net interest income	$1,491,000	3,278
Provision for loan and lease losses	$160,000	1,360
Total noninterest income	$47,000	7,311
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$42,000	5,572
Trading account gains and fees	$0	121
Additional Noninterest Income	$5,000	8,313
Total noninterest expense	$900,000	4,091
Salaries and employee benefits	$400,000	4,740
Premises and equipment expense	$97,000	4,884
Additional noninterest expense	$403,000	2,892
Pre-tax net operating income	$478,000	3,642
Securities gains (losses)	$0	2,934
Applicable income taxes	$158,000	2,998
Income before extraordinary items	$320,000	4,097
Extraordinary gains, net	$0	16
Net income	$320,000	4,096
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	1,783
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$320,000	3,952
2003-12-31 (YTD Data)		Rank
Total interest income	$11,190,000	2,548
Total interest expense	$6,670,000	1,325
Net interest income	$4,520,000	3,984
Provision for loan and lease losses	$167,000	4,388
Total noninterest income	$156,000	7,745
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$139,000	6,007
Trading account gains and fees	$0	160
Additional Noninterest Income	$17,000	8,524
Total noninterest expense	$3,635,000	3,982
Salaries and employee benefits	$1,581,000	4,678
Premises and equipment expense	$370,000	4,997
Additional noninterest expense	$1,684,000	2,776
Pre-tax net operating income	$874,000	5,477
Securities gains (losses)	$0	4,500
Applicable income taxes	$284,000	4,364
Income before extraordinary items	$590,000	5,985
Extraordinary gains, net	$0	54
Net income	$590,000	5,989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$338,000	2,090
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$590,000	5,808
2003-09-30 (YTD Data)		Rank
Total interest income	$8,540,000	2,542
Total interest expense	$5,148,000	1,352
Net interest income	$3,392,000	4,004
Provision for loan and lease losses	$145,000	3,973
Total noninterest income	$119,000	7,779
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$105,000	6,036
Trading account gains and fees	$0	153
Additional Noninterest Income	$14,000	8,509
Total noninterest expense	$2,728,000	3,967
Salaries and employee benefits	$1,185,000	4,664
Premises and equipment expense	$279,000	4,966
Additional noninterest expense	$1,264,000	2,754
Pre-tax net operating income	$638,000	5,733
Securities gains (losses)	$0	4,204
Applicable income taxes	$188,000	4,749
Income before extraordinary items	$450,000	6,096
Extraordinary gains, net	$0	40
Net income	$450,000	6,097
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$235,000	2,007
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$450,000	5,930
2003-06-30 (YTD Data)		Rank
Total interest income	$6,005,000	2,437
Total interest expense	$3,516,000	1,371
Net interest income	$2,489,000	3,712
Provision for loan and lease losses	$130,000	3,332
Total noninterest income	$73,000	7,909
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$63,000	6,212
Trading account gains and fees	$0	150
Additional Noninterest Income	$10,000	8,463
Total noninterest expense	$1,833,000	3,937
Salaries and employee benefits	$787,000	4,668
Premises and equipment expense	$187,000	4,922
Additional noninterest expense	$859,000	2,710
Pre-tax net operating income	$599,000	4,832
Securities gains (losses)	$0	3,782
Applicable income taxes	$196,000	4,017
Income before extraordinary items	$403,000	5,387
Extraordinary gains, net	$0	30
Net income	$403,000	5,387
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$165,000	1,864
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$403,000	5,182
2003-03-31 (YTD Data)		Rank
Total interest income	$3,151,000	2,344
Total interest expense	$1,809,000	1,357
Net interest income	$1,342,000	3,487
Provision for loan and lease losses	$75,000	2,805
Total noninterest income	$37,000	7,862
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$31,000	6,193
Trading account gains and fees	$0	134
Additional Noninterest Income	$6,000	8,357
Total noninterest expense	$901,000	3,982
Salaries and employee benefits	$389,000	4,701
Premises and equipment expense	$94,000	4,897
Additional noninterest expense	$418,000	2,747
Pre-tax net operating income	$403,000	4,015
Securities gains (losses)	$0	2,891
Applicable income taxes	$134,000	3,424
Income before extraordinary items	$269,000	4,530
Extraordinary gains, net	$0	21
Net income	$269,000	4,530
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	1,835
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$269,000	4,324
2002-12-31 (YTD Data)		Rank
Total interest income	$15,307,000	2,010
Total interest expense	$10,125,000	1,108
Net interest income	$5,182,000	3,555
Provision for loan and lease losses	$253,000	3,836
Total noninterest income	$134,000	8,018
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$107,000	6,461
Trading account gains and fees	$0	153
Additional Noninterest Income	$27,000	8,301
Total noninterest expense	$3,653,000	3,817
Salaries and employee benefits	$1,615,000	4,428
Premises and equipment expense	$365,000	4,960
Additional noninterest expense	$1,673,000	2,706
Pre-tax net operating income	$1,410,000	4,265
Securities gains (losses)	$0	4,537
Applicable income taxes	$455,000	3,642
Income before extraordinary items	$955,000	4,719
Extraordinary gains, net	$0	70
Net income	$955,000	4,717
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$223,000	2,849
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$955,000	4,596
2001-12-31 (YTD Data)		Rank
Total interest income	$18,216,000	1,883
Total interest expense	$13,738,000	1,177
Net interest income	$4,478,000	3,783
Provision for loan and lease losses	$147,000	4,839
Total noninterest income	$105,000	8,438
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$88,000	6,815
Trading account gains and fees	$0	177
Additional Noninterest Income	$17,000	8,847
Total noninterest expense	$3,261,000	4,061
Salaries and employee benefits	$1,474,000	4,576
Premises and equipment expense	$349,000	5,039
Additional noninterest expense	$1,438,000	2,982
Pre-tax net operating income	$1,175,000	4,464
Securities gains (losses)	$0	4,612
Applicable income taxes	$317,000	4,158
Income before extraordinary items	$858,000	4,692
Extraordinary gains, net	$0	105
Net income	$858,000	4,695
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$334,000	2,069
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$858,000	4,573
2000-12-31 (YTD Data)		Rank
Total interest income	$17,341,000	2,033
Total interest expense	$11,703,000	1,472
Net interest income	$5,638,000	3,123
Provision for loan and lease losses	$155,000	4,336
Total noninterest income	$98,000	8,618
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$78,000	7,035
Trading account gains and fees	$0	180
Additional Noninterest Income	$20,000	8,953
Total noninterest expense	$3,275,000	3,936
Salaries and employee benefits	$1,500,000	4,363
Premises and equipment expense	$354,000	4,896
Additional noninterest expense	$1,421,000	2,958
Pre-tax net operating income	$2,306,000	2,966
Securities gains (losses)	$0	1,956
Applicable income taxes	$756,000	2,623
Income before extraordinary items	$1,550,000	3,170
Extraordinary gains, net	$0	38
Net income	$1,550,000	3,168
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$209,000	2,334
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,550,000	3,167
1999-12-31 (YTD Data)		Rank
Total interest income	$13,064,000	2,505
Total interest expense	$7,668,000	1,949
Net interest income	$5,396,000	3,214
Provision for loan and lease losses	$42,000	6,798
Total noninterest income	$91,000	8,967
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$69,000	7,378
Trading account gains and fees	$0	173
Additional Noninterest Income	$22,000	9,178
Total noninterest expense	$3,042,000	4,158
Salaries and employee benefits	$1,420,000	4,538
Premises and equipment expense	$325,000	5,223
Additional noninterest expense	$1,297,000	3,215
Pre-tax net operating income	$2,403,000	2,886
Securities gains (losses)	$0	3,155
Applicable income taxes	$802,000	2,637
Income before extraordinary items	$1,601,000	3,082
Extraordinary gains, net	$0	35
Net income	$1,601,000	3,083
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,000	3,890
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,601,000	3,049
1998-12-31 (YTD Data)		Rank
Total interest income	$13,180,000	2,469
Total interest expense	$8,116,000	1,881
Net interest income	$5,064,000	3,348
Provision for loan and lease losses	$-1,000	10,177
Total noninterest income	$97,000	9,070
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$72,000	7,483
Trading account gains and fees	$0	224
Additional Noninterest Income	$25,000	9,238
Total noninterest expense	$2,920,000	4,227
Salaries and employee benefits	$1,341,000	4,643
Premises and equipment expense	$297,000	5,412
Additional noninterest expense	$1,282,000	3,177
Pre-tax net operating income	$2,242,000	3,040
Securities gains (losses)	$0	4,449
Applicable income taxes	$750,000	2,878
Income before extraordinary items	$1,492,000	3,279
Extraordinary gains, net	$0	32
Net income	$1,492,000	3,280
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,320
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,492,000	3,188
1997-12-31 (YTD Data)		Rank
Total interest income	$13,335,000	2,457
Total interest expense	$8,175,000	1,890
Net interest income	$5,160,000	3,383
Provision for loan and lease losses	$-26,000	10,666
Total noninterest income	$100,000	9,419
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$69,000	7,917
Trading account gains and fees	$0	239
Additional Noninterest Income	$31,000	9,280
Total noninterest expense	$2,716,000	4,454
Salaries and employee benefits	$1,308,000	4,759
Premises and equipment expense	$267,000	5,836
Additional noninterest expense	$1,141,000	3,491
Pre-tax net operating income	$2,570,000	2,845
Securities gains (losses)	$0	3,944
Applicable income taxes	$848,000	2,802
Income before extraordinary items	$1,722,000	2,955
Extraordinary gains, net	$0	44
Net income	$1,722,000	2,954
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	6,193
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,722,000	2,900
1996-12-31 (YTD Data)		Rank
Total interest income	$12,480,000	2,667
Total interest expense	$7,319,000	2,136
Net interest income	$5,161,000	3,446
Provision for loan and lease losses	$-131,000	11,297
Total noninterest income	$95,000	9,977
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$66,000	8,366
Trading account gains and fees	$0	262
Additional Noninterest Income	$29,000	9,892
Total noninterest expense	$3,790,000	3,504
Salaries and employee benefits	$1,215,000	5,149
Premises and equipment expense	$261,000	6,091
Additional noninterest expense	$2,314,000	2,167
Pre-tax net operating income	$1,597,000	4,124
Securities gains (losses)	$0	4,148
Applicable income taxes	$497,000	4,170
Income before extraordinary items	$1,100,000	4,158
Extraordinary gains, net	$0	53
Net income	$1,100,000	4,159
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-125,000	11,267
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,100,000	4,103
1995-12-31 (YTD Data)		Rank
Total interest income	$11,599,000	2,872
Total interest expense	$6,472,000	2,403
Net interest income	$5,127,000	3,451
Provision for loan and lease losses	$18,000	7,795
Total noninterest income	$83,000	10,670
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$56,000	9,050
Trading account gains and fees	$0	522
Additional Noninterest Income	$27,000	10,452
Total noninterest expense	$2,804,000	4,528
Salaries and employee benefits	$1,138,000	5,452
Premises and equipment expense	$258,000	6,220
Additional noninterest expense	$1,408,000	3,248
Pre-tax net operating income	$2,388,000	2,973
Securities gains (losses)	$0	3,831
Applicable income taxes	$716,000	3,180
Income before extraordinary items	$1,672,000	2,938
Extraordinary gains, net	$0	65
Net income	$1,672,000	2,935
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,295
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,672,000	2,905
1994-12-31 (YTD Data)		Rank
Total interest income	$10,265,000	2,968
Total interest expense	$5,324,000	2,325
Net interest income	$4,941,000	3,604
Provision for loan and lease losses	$75,000	5,153
Total noninterest income	$78,000	11,302
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$55,000	9,512
Trading account gains and fees	$0	475
Additional Noninterest Income	$23,000	11,244
Total noninterest expense	$2,661,000	4,881
Salaries and employee benefits	$1,165,000	5,391
Premises and equipment expense	$236,000	6,767
Additional noninterest expense	$1,260,000	3,882
Pre-tax net operating income	$2,283,000	3,073
Securities gains (losses)	$0	3,600
Applicable income taxes	$790,000	2,800
Income before extraordinary items	$1,493,000	3,191
Extraordinary gains, net	$0	249
Net income	$1,493,000	3,204
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	4,490
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,493,000	3,216
1993-12-31 (YTD Data)		Rank
Total interest income	$10,276,000	3,012
Total interest expense	$5,918,000	2,193
Net interest income	$4,358,000	4,072
Provision for loan and lease losses	$54,000	7,292
Total noninterest income	$231,000	8,688
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$231,000	5,234
Total noninterest expense	$2,626,000	5,058
Salaries and employee benefits	$1,199,000	5,249
Premises and equipment expense	$334,000	5,406
Additional noninterest expense	$1,093,000	4,557
Pre-tax net operating income	$1,909,000	3,467
Securities gains (losses)	$0	7,477
Applicable income taxes	$695,000	3,138
Income before extraordinary items	$1,214,000	3,972
Extraordinary gains, net	$0	3,149
Net income	$1,214,000	4,078
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	11,543
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,214,000	3,767
1992-12-31 (YTD Data)		Rank
Total interest income	$11,571,000	3,041
Total interest expense	$7,683,000	2,215
Net interest income	$3,888,000	4,562
Provision for loan and lease losses	$120,000	6,707
Total noninterest income	$224,000	8,956
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$224,000	5,312
Total noninterest expense	$2,568,000	5,186
Salaries and employee benefits	$1,173,000	5,265
Premises and equipment expense	$318,000	5,731
Additional noninterest expense	$1,077,000	4,764
Pre-tax net operating income	$1,424,000	4,247
Securities gains (losses)	$0	8,369
Applicable income taxes	$493,000	4,049
Income before extraordinary items	$931,000	4,803
Extraordinary gains, net	$0	1,422
Net income	$931,000	4,849
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	9,104
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$931,000	4,480

* 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.