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Chippewa Valley Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$35,433,000	1,232
Total interest expense	$6,221,000	1,783
Net interest income	$29,212,000	1,072
Provision for loan and lease losses	$200,000	1,989
Total noninterest income	$1,659,000	2,210
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$663,000	1,375
Trading account gains and fees	NA	NA
Additional Noninterest Income	$996,000	2,277
Total noninterest expense	$13,737,000	1,641
Salaries and employee benefits	$8,041,000	1,600
Premises and equipment expense	$1,702,000	1,394
Additional noninterest expense	$996,000	2,277
Pre-tax net operating income	$16,934,000	778
Securities gains (losses)	$1,000	952
Applicable income taxes	$1,215,000	1,313
Income before extraordinary items	$15,720,000	704
Extraordinary gains, net	$0	54
Net income	$15,720,000	715
Minority interest net income	$0	88
Net income of bank and minority interests.	$15,720,000	707
Net charge-offs	$190,000	1,193
Cash dividends	$11,095,000	456
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$15,719,070	715
2023-09-30 (YTD Data)		Rank
Total interest income	$25,345,000	1,248
Total interest expense	$3,668,000	1,922
Net interest income	$21,677,000	1,088
Provision for loan and lease losses	$200,000	1,644
Total noninterest income	$1,276,000	2,173
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$506,000	1,359
Trading account gains and fees	NA	NA
Additional Noninterest Income	$770,000	2,249
Total noninterest expense	$10,069,000	1,660
Salaries and employee benefits	$5,850,000	1,636
Premises and equipment expense	$1,229,000	1,433
Additional noninterest expense	$770,000	2,249
Pre-tax net operating income	$12,684,000	804
Securities gains (losses)	$1,000	805
Applicable income taxes	$645,000	1,582
Income before extraordinary items	$12,040,000	712
Extraordinary gains, net	$0	52
Net income	$12,040,000	716
Minority interest net income	$0	81
Net income of bank and minority interests.	$12,040,000	712
Net charge-offs	$191,000	906
Cash dividends	$7,445,000	454
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$12,039,050	729
2023-06-30 (YTD Data)		Rank
Total interest income	$16,205,000	1,262
Total interest expense	$2,170,000	1,915
Net interest income	$14,035,000	1,118
Provision for loan and lease losses	$0	2,940
Total noninterest income	$828,000	2,158
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$341,000	1,330
Trading account gains and fees	NA	NA
Additional Noninterest Income	$487,000	2,220
Total noninterest expense	$6,933,000	1,601
Salaries and employee benefits	$3,941,000	1,619
Premises and equipment expense	$879,000	1,351
Additional noninterest expense	$487,000	2,217
Pre-tax net operating income	$7,930,000	854
Securities gains (losses)	$0	938
Applicable income taxes	$405,000	1,634
Income before extraordinary items	$7,525,000	754
Extraordinary gains, net	$0	51
Net income	$7,525,000	766
Minority interest net income	$0	81
Net income of bank and minority interests.	$7,525,000	754
Net charge-offs	$185,000	702
Cash dividends	$4,895,000	451
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$7,525,000	759
2023-03-31 (YTD Data)		Rank
Total interest income	$7,784,000	1,283
Total interest expense	$916,000	1,935
Net interest income	$6,868,000	1,140
Provision for loan and lease losses	$0	2,612
Total noninterest income	$406,000	2,169
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$168,000	1,361
Trading account gains and fees	NA	NA
Additional Noninterest Income	$238,000	2,240
Total noninterest expense	$3,124,000	1,769
Salaries and employee benefits	$1,831,000	1,731
Premises and equipment expense	$406,000	1,469
Additional noninterest expense	$238,000	2,240
Pre-tax net operating income	$4,150,000	861
Securities gains (losses)	$0	950
Applicable income taxes	$182,000	1,737
Income before extraordinary items	$3,968,000	749
Extraordinary gains, net	$0	4
Net income	$3,968,000	748
Minority interest net income	$0	48
Net income of bank and minority interests.	$3,968,000	748
Net charge-offs	$12,000	1,306
Cash dividends	$1,984,000	503
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$3,968,000	761
2022-12-31 (YTD Data)		Rank
Total interest income	$22,898,000	1,411
Total interest expense	$2,597,000	1,317
Net interest income	$20,301,000	1,417
Provision for loan and lease losses	$0	3,012
Total noninterest income	$2,082,000	2,000
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$604,000	1,500
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,478,000	1,914
Total noninterest expense	$11,721,000	1,808
Salaries and employee benefits	$7,062,000	1,738
Premises and equipment expense	$1,474,000	1,551
Additional noninterest expense	$1,478,000	1,914
Pre-tax net operating income	$10,662,000	1,227
Securities gains (losses)	$0	691
Applicable income taxes	$431,000	2,139
Income before extraordinary items	$10,231,000	1,090
Extraordinary gains, net	$0	5
Net income	$10,231,000	1,089
Minority interest net income	$0	63
Net income of bank and minority interests.	$10,231,000	1,090
Net charge-offs	$40,000	1,651
Cash dividends	$5,256,000	745
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$10,231,000	1,109
2022-09-30 (YTD Data)		Rank
Total interest income	$15,601,000	1,465
Total interest expense	$1,862,000	1,081
Net interest income	$13,739,000	1,517
Provision for loan and lease losses	$0	2,835
Total noninterest income	$1,677,000	1,954
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$447,000	1,521
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,230,000	1,845
Total noninterest expense	$8,696,000	1,818
Salaries and employee benefits	$5,114,000	1,778
Premises and equipment expense	$1,152,000	1,510
Additional noninterest expense	$1,230,000	1,845
Pre-tax net operating income	$6,720,000	1,354
Securities gains (losses)	$0	740
Applicable income taxes	$307,000	2,191
Income before extraordinary items	$6,413,000	1,223
Extraordinary gains, net	$0	4
Net income	$6,413,000	1,222
Minority interest net income	$0	57
Net income of bank and minority interests.	$6,413,000	1,223
Net charge-offs	$16,000	1,674
Cash dividends	$2,422,000	986
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$6,413,000	1,249
2022-06-30 (YTD Data)		Rank
Total interest income	$9,456,000	1,545
Total interest expense	$1,271,000	907
Net interest income	$8,185,000	1,630
Provision for loan and lease losses	$0	2,599
Total noninterest income	$965,000	2,101
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$288,000	1,539
Trading account gains and fees	NA	NA
Additional Noninterest Income	$677,000	2,084
Total noninterest expense	$5,806,000	1,804
Salaries and employee benefits	$3,429,000	1,769
Premises and equipment expense	$778,000	1,498
Additional noninterest expense	$1,599,000	1,902
Pre-tax net operating income	$3,344,000	1,603
Securities gains (losses)	$0	687
Applicable income taxes	$187,000	2,190
Income before extraordinary items	$3,157,000	1,476
Extraordinary gains, net	$0	4
Net income	$3,157,000	1,475
Minority interest net income	$0	60
Net income of bank and minority interests.	$3,157,000	1,476
Net charge-offs	$8,000	1,644
Cash dividends	$1,488,000	1,064
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$3,157,000	1,514
2022-03-31 (YTD Data)		Rank
Total interest income	$4,568,000	1,539
Total interest expense	$658,000	831
Net interest income	$3,910,000	1,651
Provision for loan and lease losses	$0	2,285
Total noninterest income	$396,000	2,293
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$140,000	1,560
Trading account gains and fees	NA	NA
Additional Noninterest Income	$256,000	2,345
Total noninterest expense	$2,690,000	1,889
Salaries and employee benefits	$1,581,000	1,862
Premises and equipment expense	$363,000	1,605
Additional noninterest expense	$746,000	1,993
Pre-tax net operating income	$1,616,000	1,556
Securities gains (losses)	$0	623
Applicable income taxes	$118,000	1,970
Income before extraordinary items	$1,498,000	1,463
Extraordinary gains, net	$0	4
Net income	$1,498,000	1,462
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,498,000	1,463
Net charge-offs	$5,000	1,366
Cash dividends	$804,000	875
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,498,000	1,477
2021-12-31 (YTD Data)		Rank
Total interest income	$19,355,000	1,520
Total interest expense	$3,169,000	862
Net interest income	$16,186,000	1,626
Provision for loan and lease losses	$225,000	1,650
Total noninterest income	$1,519,000	2,524
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$529,000	1,545
Trading account gains and fees	NA	NA
Additional Noninterest Income	$990,000	2,645
Total noninterest expense	$11,017,000	1,854
Salaries and employee benefits	$6,718,000	1,774
Premises and equipment expense	$1,301,000	1,707
Additional noninterest expense	$2,998,000	1,982
Pre-tax net operating income	$6,463,000	1,741
Securities gains (losses)	$0	2,062
Applicable income taxes	$540,000	2,042
Income before extraordinary items	$5,923,000	1,670
Extraordinary gains, net	$0	10
Net income	$5,923,000	1,669
Minority interest net income	$0	74
Net income of bank and minority interests.	$5,923,000	1,670
Net charge-offs	$72,000	1,489
Cash dividends	$3,156,000	1,130
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$5,923,000	1,644
2021-09-30 (YTD Data)		Rank
Total interest income	$14,728,000	1,535
Total interest expense	$2,457,000	881
Net interest income	$12,271,000	1,641
Provision for loan and lease losses	$225,000	1,362
Total noninterest income	$1,133,000	2,572
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$390,000	1,553
Trading account gains and fees	NA	NA
Additional Noninterest Income	$743,000	2,671
Total noninterest expense	$8,100,000	1,881
Salaries and employee benefits	$4,933,000	1,800
Premises and equipment expense	$978,000	1,736
Additional noninterest expense	$2,189,000	2,022
Pre-tax net operating income	$5,079,000	1,740
Securities gains (losses)	$0	2,015
Applicable income taxes	$370,000	2,182
Income before extraordinary items	$4,709,000	1,672
Extraordinary gains, net	$0	8
Net income	$4,709,000	1,671
Minority interest net income	$0	69
Net income of bank and minority interests.	$4,709,000	1,672
Net charge-offs	$73,000	1,206
Cash dividends	$2,272,000	1,065
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$4,709,000	1,647
2021-06-30 (YTD Data)		Rank
Total interest income	$10,069,000	1,501
Total interest expense	$1,691,000	890
Net interest income	$8,378,000	1,593
Provision for loan and lease losses	$150,000	1,356
Total noninterest income	$733,000	2,567
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$255,000	1,523
Trading account gains and fees	NA	NA
Additional Noninterest Income	$478,000	2,685
Total noninterest expense	$5,416,000	1,864
Salaries and employee benefits	$3,333,000	1,775
Premises and equipment expense	$620,000	1,801
Additional noninterest expense	$1,463,000	2,007
Pre-tax net operating income	$3,545,000	1,655
Securities gains (losses)	$0	1,818
Applicable income taxes	$240,000	2,173
Income before extraordinary items	$3,305,000	1,596
Extraordinary gains, net	$0	6
Net income	$3,305,000	1,596
Minority interest net income	$0	67
Net income of bank and minority interests.	$3,305,000	1,596
Net charge-offs	$67,000	1,062
Cash dividends	$1,488,000	1,076
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$3,305,000	1,567
2021-03-31 (YTD Data)		Rank
Total interest income	$4,716,000	1,578
Total interest expense	$861,000	921
Net interest income	$3,855,000	1,692
Provision for loan and lease losses	$75,000	1,426
Total noninterest income	$351,000	2,615
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$128,000	1,517
Trading account gains and fees	NA	NA
Additional Noninterest Income	$223,000	2,739
Total noninterest expense	$2,603,000	1,906
Salaries and employee benefits	$1,561,000	1,856
Premises and equipment expense	$320,000	1,757
Additional noninterest expense	$722,000	1,988
Pre-tax net operating income	$1,528,000	1,850
Securities gains (losses)	$0	1,392
Applicable income taxes	$120,000	2,165
Income before extraordinary items	$1,408,000	1,791
Extraordinary gains, net	$0	3
Net income	$1,408,000	1,791
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,408,000	1,791
Net charge-offs	$4,000	1,577
Cash dividends	$804,000	880
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,408,000	1,753
2020-12-31 (YTD Data)		Rank
Total interest income	$21,349,000	1,407
Total interest expense	$4,026,000	1,161
Net interest income	$17,323,000	1,455
Provision for loan and lease losses	$325,000	2,607
Total noninterest income	$1,492,000	2,429
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$550,000	1,508
Trading account gains and fees	NA	NA
Additional Noninterest Income	$942,000	2,546
Total noninterest expense	$10,843,000	1,840
Salaries and employee benefits	$6,709,000	1,728
Premises and equipment expense	$1,294,000	1,701
Additional noninterest expense	$2,840,000	2,011
Pre-tax net operating income	$7,647,000	1,300
Securities gains (losses)	$0	2,675
Applicable income taxes	$738,000	1,677
Income before extraordinary items	$6,909,000	1,273
Extraordinary gains, net	$0	4
Net income	$6,909,000	1,274
Minority interest net income	$0	72
Net income of bank and minority interests.	$6,909,000	1,274
Net charge-offs	$16,000	2,873
Cash dividends	$3,256,000	1,055
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$6,909,000	1,237
2020-09-30 (YTD Data)		Rank
Total interest income	$15,909,000	1,425
Total interest expense	$3,101,000	1,197
Net interest income	$12,808,000	1,464
Provision for loan and lease losses	$325,000	2,346
Total noninterest income	$1,114,000	2,405
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$418,000	1,492
Trading account gains and fees	NA	NA
Additional Noninterest Income	$696,000	2,509
Total noninterest expense	$8,069,000	1,834
Salaries and employee benefits	$4,980,000	1,735
Premises and equipment expense	$970,000	1,705
Additional noninterest expense	$2,119,000	1,985
Pre-tax net operating income	$5,528,000	1,296
Securities gains (losses)	$0	2,494
Applicable income taxes	$558,000	1,653
Income before extraordinary items	$4,970,000	1,278
Extraordinary gains, net	$0	4
Net income	$4,970,000	1,278
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,970,000	1,278
Net charge-offs	$13,000	2,660
Cash dividends	$2,272,000	1,002
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$4,970,000	1,239
2020-06-30 (YTD Data)		Rank
Total interest income	$10,829,000	1,415
Total interest expense	$2,118,000	1,263
Net interest income	$8,711,000	1,445
Provision for loan and lease losses	$225,000	2,290
Total noninterest income	$714,000	2,409
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$290,000	1,472
Trading account gains and fees	NA	NA
Additional Noninterest Income	$424,000	2,548
Total noninterest expense	$5,486,000	1,800
Salaries and employee benefits	$3,265,000	1,753
Premises and equipment expense	$704,000	1,588
Additional noninterest expense	$1,517,000	1,865
Pre-tax net operating income	$3,714,000	1,229
Securities gains (losses)	$0	2,249
Applicable income taxes	$448,000	1,432
Income before extraordinary items	$3,266,000	1,223
Extraordinary gains, net	$0	4
Net income	$3,266,000	1,223
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,266,000	1,223
Net charge-offs	$10,000	2,452
Cash dividends	$1,488,000	1,020
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$3,266,000	1,195
2020-03-31 (YTD Data)		Rank
Total interest income	$5,089,000	1,491
Total interest expense	$1,074,000	1,364
Net interest income	$4,015,000	1,501
Provision for loan and lease losses	$75,000	2,175
Total noninterest income	$365,000	2,285
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$165,000	1,528
Trading account gains and fees	NA	NA
Additional Noninterest Income	$200,000	2,437
Total noninterest expense	$2,975,000	1,703
Salaries and employee benefits	$1,736,000	1,687
Premises and equipment expense	$419,000	1,390
Additional noninterest expense	$820,000	1,790
Pre-tax net operating income	$1,330,000	1,451
Securities gains (losses)	$0	1,705
Applicable income taxes	$253,000	1,210
Income before extraordinary items	$1,077,000	1,570
Extraordinary gains, net	$0	4
Net income	$1,077,000	1,569
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,077,000	1,570
Net charge-offs	$8,000	1,948
Cash dividends	$804,000	947
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,077,000	1,537
2019-12-31 (YTD Data)		Rank
Total interest income	$20,543,000	1,492
Total interest expense	$4,158,000	1,439
Net interest income	$16,385,000	1,477
Provision for loan and lease losses	$300,000	1,946
Total noninterest income	$1,224,000	2,551
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$666,000	1,564
Trading account gains and fees	NA	NA
Additional Noninterest Income	$558,000	2,911
Total noninterest expense	$10,506,000	1,849
Salaries and employee benefits	$6,357,000	1,759
Premises and equipment expense	$1,379,000	1,609
Additional noninterest expense	$2,770,000	2,052
Pre-tax net operating income	$6,803,000	1,392
Securities gains (losses)	$0	2,379
Applicable income taxes	$488,000	2,006
Income before extraordinary items	$6,315,000	1,341
Extraordinary gains, net	$0	11
Net income	$6,315,000	1,343
Minority interest net income	$0	76
Net income of bank and minority interests.	$6,315,000	1,344
Net charge-offs	$-64,000	4,821
Cash dividends	$3,826,000	1,003
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$6,315,000	1,315
2019-09-30 (YTD Data)		Rank
Total interest income	$15,465,000	1,494
Total interest expense	$3,097,000	1,451
Net interest income	$12,368,000	1,477
Provision for loan and lease losses	$150,000	2,250
Total noninterest income	$852,000	2,661
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$498,000	1,573
Trading account gains and fees	NA	NA
Additional Noninterest Income	$354,000	3,092
Total noninterest expense	$7,889,000	1,849
Salaries and employee benefits	$4,801,000	1,759
Premises and equipment expense	$1,071,000	1,579
Additional noninterest expense	$2,017,000	2,105
Pre-tax net operating income	$5,181,000	1,405
Securities gains (losses)	$0	2,167
Applicable income taxes	$26,000	3,486
Income before extraordinary items	$5,155,000	1,278
Extraordinary gains, net	$0	11
Net income	$5,155,000	1,279
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,155,000	1,280
Net charge-offs	$-71,000	4,891
Cash dividends	$3,132,000	849
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$5,155,000	1,256
2019-06-30 (YTD Data)		Rank
Total interest income	$10,196,000	1,507
Total interest expense	$2,019,000	1,447
Net interest income	$8,177,000	1,489
Provision for loan and lease losses	$150,000	1,792
Total noninterest income	$469,000	2,893
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$332,000	1,552
Trading account gains and fees	NA	NA
Additional Noninterest Income	$137,000	3,689
Total noninterest expense	$5,328,000	1,823
Salaries and employee benefits	$3,117,000	1,796
Premises and equipment expense	$773,000	1,486
Additional noninterest expense	$1,438,000	2,020
Pre-tax net operating income	$3,168,000	1,475
Securities gains (losses)	$0	1,702
Applicable income taxes	$16,000	3,502
Income before extraordinary items	$3,152,000	1,336
Extraordinary gains, net	$0	11
Net income	$3,152,000	1,336
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,152,000	1,336
Net charge-offs	$-78,000	5,009
Cash dividends	$2,108,000	830
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$3,152,000	1,316
2019-03-31 (YTD Data)		Rank
Total interest income	$4,982,000	1,525
Total interest expense	$979,000	1,455
Net interest income	$4,003,000	1,527
Provision for loan and lease losses	$150,000	1,133
Total noninterest income	$267,000	2,660
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$163,000	1,567
Trading account gains and fees	NA	NA
Additional Noninterest Income	$104,000	3,177
Total noninterest expense	$2,698,000	1,806
Salaries and employee benefits	$1,646,000	1,739
Premises and equipment expense	$377,000	1,532
Additional noninterest expense	$675,000	2,095
Pre-tax net operating income	$1,422,000	1,592
Securities gains (losses)	$0	1,087
Applicable income taxes	$4,000	3,587
Income before extraordinary items	$1,418,000	1,418
Extraordinary gains, net	$0	5
Net income	$1,418,000	1,415
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,418,000	1,417
Net charge-offs	$-82,000	5,165
Cash dividends	$1,084,000	776
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,418,000	1,393
2018-12-31 (YTD Data)		Rank
Total interest income	$17,768,000	1,601
Total interest expense	$2,686,000	1,555
Net interest income	$15,082,000	1,594
Provision for loan and lease losses	$350,000	1,803
Total noninterest income	$1,716,000	2,165
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$694,000	1,540
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,022,000	2,218
Total noninterest expense	$10,205,000	1,879
Salaries and employee benefits	$6,082,000	1,780
Premises and equipment expense	$1,399,000	1,603
Additional noninterest expense	$2,724,000	2,076
Pre-tax net operating income	$6,243,000	1,464
Securities gains (losses)	$0	1,125
Applicable income taxes	$37,000	3,467
Income before extraordinary items	$6,206,000	1,328
Extraordinary gains, net	$0	6
Net income	$6,206,000	1,327
Minority interest net income	$0	72
Net income of bank and minority interests.	$6,206,000	1,327
Net charge-offs	$326,000	1,263
Cash dividends	$3,586,000	954
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$6,206,000	1,319
2018-09-30 (YTD Data)		Rank
Total interest income	$12,890,000	1,641
Total interest expense	$1,789,000	1,626
Net interest income	$11,101,000	1,620
Provision for loan and lease losses	$200,000	1,970
Total noninterest income	$1,230,000	2,252
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$521,000	1,553
Trading account gains and fees	NA	NA
Additional Noninterest Income	$709,000	2,329
Total noninterest expense	$7,629,000	1,870
Salaries and employee benefits	$4,554,000	1,782
Premises and equipment expense	$1,059,000	1,598
Additional noninterest expense	$2,016,000	2,107
Pre-tax net operating income	$4,502,000	1,531
Securities gains (losses)	$0	1,118
Applicable income taxes	$28,000	3,535
Income before extraordinary items	$4,474,000	1,366
Extraordinary gains, net	$0	5
Net income	$4,474,000	1,365
Minority interest net income	$0	66
Net income of bank and minority interests.	$4,474,000	1,365
Net charge-offs	$166,000	1,369
Cash dividends	$2,652,000	861
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$4,474,000	1,350
2018-06-30 (YTD Data)		Rank
Total interest income	$8,170,000	1,698
Total interest expense	$997,000	1,779
Net interest income	$7,173,000	1,667
Provision for loan and lease losses	$50,000	2,796
Total noninterest income	$839,000	2,215
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$360,000	1,502
Trading account gains and fees	NA	NA
Additional Noninterest Income	$479,000	2,308
Total noninterest expense	$4,984,000	1,917
Salaries and employee benefits	$2,978,000	1,835
Premises and equipment expense	$739,000	1,545
Additional noninterest expense	$1,267,000	2,205
Pre-tax net operating income	$2,978,000	1,525
Securities gains (losses)	$0	961
Applicable income taxes	$20,000	3,516
Income before extraordinary items	$2,958,000	1,363
Extraordinary gains, net	$0	6
Net income	$2,958,000	1,362
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,958,000	1,362
Net charge-offs	$19,000	2,284
Cash dividends	$1,768,000	851
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,958,000	1,355
2018-03-31 (YTD Data)		Rank
Total interest income	$3,917,000	1,745
Total interest expense	$443,000	1,878
Net interest income	$3,474,000	1,714
Provision for loan and lease losses	$50,000	2,055
Total noninterest income	$409,000	2,229
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$177,000	1,527
Trading account gains and fees	NA	NA
Additional Noninterest Income	$232,000	2,312
Total noninterest expense	$2,611,000	1,862
Salaries and employee benefits	$1,575,000	1,774
Premises and equipment expense	$372,000	1,565
Additional noninterest expense	$664,000	2,126
Pre-tax net operating income	$1,222,000	1,763
Securities gains (losses)	$0	735
Applicable income taxes	$11,000	3,465
Income before extraordinary items	$1,211,000	1,576
Extraordinary gains, net	$0	7
Net income	$1,211,000	1,575
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,211,000	1,576
Net charge-offs	$3,000	2,344
Cash dividends	$834,000	827
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,211,000	1,564
2017-12-31 (YTD Data)		Rank
Total interest income	$15,071,000	1,762
Total interest expense	$1,302,000	2,136
Net interest income	$13,769,000	1,690
Provision for loan and lease losses	$300,000	1,956
Total noninterest income	$1,045,000	2,886
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$752,000	1,490
Trading account gains and fees	$0	151
Additional Noninterest Income	$293,000	3,826
Total noninterest expense	$9,689,000	1,959
Salaries and employee benefits	$5,734,000	1,883
Premises and equipment expense	$1,341,000	1,679
Additional noninterest expense	$2,614,000	2,182
Pre-tax net operating income	$4,825,000	1,770
Securities gains (losses)	$0	2,243
Applicable income taxes	$41,000	3,598
Income before extraordinary items	$4,784,000	1,387
Extraordinary gains, net	$0	9
Net income	$4,784,000	1,385
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,784,000	1,387
Net charge-offs	$61,000	2,831
Cash dividends	$3,387,000	938
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$4,784,000	1,376
2017-09-30 (YTD Data)		Rank
Total interest income	$11,061,000	1,796
Total interest expense	$890,000	2,240
Net interest income	$10,171,000	1,715
Provision for loan and lease losses	$150,000	2,287
Total noninterest income	$734,000	2,996
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$564,000	1,504
Trading account gains and fees	$0	145
Additional Noninterest Income	$170,000	4,139
Total noninterest expense	$6,932,000	2,041
Salaries and employee benefits	$4,030,000	1,988
Premises and equipment expense	$1,027,000	1,648
Additional noninterest expense	$1,875,000	2,254
Pre-tax net operating income	$3,823,000	1,709
Securities gains (losses)	$0	2,274
Applicable income taxes	$36,000	3,552
Income before extraordinary items	$3,787,000	1,441
Extraordinary gains, net	$0	9
Net income	$3,787,000	1,440
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,787,000	1,441
Net charge-offs	$56,000	2,382
Cash dividends	$2,553,000	866
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,787,000	1,420
2017-06-30 (YTD Data)		Rank
Total interest income	$7,238,000	1,813
Total interest expense	$505,000	2,468
Net interest income	$6,733,000	1,718
Provision for loan and lease losses	$150,000	1,808
Total noninterest income	$717,000	2,482
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$372,000	1,499
Trading account gains and fees	$0	139
Additional Noninterest Income	$345,000	2,770
Total noninterest expense	$4,487,000	2,093
Salaries and employee benefits	$2,593,000	2,053
Premises and equipment expense	$682,000	1,667
Additional noninterest expense	$1,212,000	2,308
Pre-tax net operating income	$2,813,000	1,543
Securities gains (losses)	$0	1,906
Applicable income taxes	$31,000	3,499
Income before extraordinary items	$2,782,000	1,321
Extraordinary gains, net	$0	11
Net income	$2,782,000	1,320
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,782,000	1,321
Net charge-offs	$21,000	2,549
Cash dividends	$1,719,000	867
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,782,000	1,300
2017-03-31 (YTD Data)		Rank
Total interest income	$3,524,000	1,848
Total interest expense	$210,000	2,766
Net interest income	$3,314,000	1,739
Provision for loan and lease losses	$100,000	1,432
Total noninterest income	$395,000	2,345
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$175,000	1,569
Trading account gains and fees	$0	142
Additional Noninterest Income	$220,000	2,457
Total noninterest expense	$2,217,000	2,131
Salaries and employee benefits	$1,312,000	2,063
Premises and equipment expense	$357,000	1,611
Additional noninterest expense	$548,000	2,493
Pre-tax net operating income	$1,392,000	1,512
Securities gains (losses)	$0	1,153
Applicable income taxes	$26,000	3,238
Income before extraordinary items	$1,366,000	1,321
Extraordinary gains, net	$0	8
Net income	$1,366,000	1,320
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,366,000	1,321
Net charge-offs	$6,000	2,391
Cash dividends	$835,000	840
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,366,000	1,302
2016-12-31 (YTD Data)		Rank
Total interest income	$14,522,000	1,745
Total interest expense	$822,000	2,772
Net interest income	$13,700,000	1,634
Provision for loan and lease losses	$787,000	1,114
Total noninterest income	$2,672,000	1,771
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$704,000	1,607
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,968,000	1,612
Total noninterest expense	$10,120,000	1,887
Salaries and employee benefits	$6,135,000	1,749
Premises and equipment expense	$1,207,000	1,855
Additional noninterest expense	$2,778,000	2,110
Pre-tax net operating income	$5,465,000	1,509
Securities gains (losses)	$22,000	2,312
Applicable income taxes	$0	4,278
Income before extraordinary items	$5,487,000	1,284
Extraordinary gains, net	$0	5
Net income	$5,487,000	1,283
Minority interest net income	$0	82
Net income of bank and minority interests.	$5,487,000	1,283
Net charge-offs	$395,000	1,267
Cash dividends	$2,836,000	1,070
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$5,465,000	1,261
2016-09-30 (YTD Data)		Rank
Total interest income	$10,962,000	1,740
Total interest expense	$615,000	2,779
Net interest income	$10,347,000	1,627
Provision for loan and lease losses	$787,000	830
Total noninterest income	$2,280,000	1,631
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$539,000	1,580
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,741,000	1,437
Total noninterest expense	$7,226,000	1,976
Salaries and employee benefits	$4,156,000	1,918
Premises and equipment expense	$927,000	1,827
Additional noninterest expense	$2,143,000	2,057
Pre-tax net operating income	$4,614,000	1,394
Securities gains (losses)	$0	3,160
Applicable income taxes	$0	4,325
Income before extraordinary items	$4,614,000	1,184
Extraordinary gains, net	$0	5
Net income	$4,614,000	1,184
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,614,000	1,184
Net charge-offs	$131,000	1,817
Cash dividends	$2,052,000	1,001
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$4,614,000	1,152
2016-06-30 (YTD Data)		Rank
Total interest income	$7,052,000	1,797
Total interest expense	$406,000	2,801
Net interest income	$6,646,000	1,696
Provision for loan and lease losses	$787,000	607
Total noninterest income	$2,005,000	1,318
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$368,000	1,535
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,637,000	1,115
Total noninterest expense	$4,883,000	1,956
Salaries and employee benefits	$2,687,000	1,974
Premises and equipment expense	$617,000	1,817
Additional noninterest expense	$1,579,000	1,889
Pre-tax net operating income	$2,981,000	1,411
Securities gains (losses)	$0	2,835
Applicable income taxes	$0	4,338
Income before extraordinary items	$2,981,000	1,211
Extraordinary gains, net	$0	16
Net income	$2,981,000	1,211
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,981,000	1,211
Net charge-offs	$-84,000	5,659
Cash dividends	$1,418,000	1,009
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,981,000	1,167
2016-03-31 (YTD Data)		Rank
Total interest income	$3,262,000	1,938
Total interest expense	$202,000	2,822
Net interest income	$3,060,000	1,839
Provision for loan and lease losses	$200,000	957
Total noninterest income	$356,000	2,502
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$177,000	1,581
Trading account gains and fees	$0	142
Additional Noninterest Income	$179,000	2,766
Total noninterest expense	$2,332,000	2,045
Salaries and employee benefits	$1,335,000	1,996
Premises and equipment expense	$296,000	1,894
Additional noninterest expense	$701,000	2,085
Pre-tax net operating income	$884,000	2,113
Securities gains (losses)	$0	2,077
Applicable income taxes	$0	4,259
Income before extraordinary items	$884,000	1,813
Extraordinary gains, net	$0	12
Net income	$884,000	1,814
Minority interest net income	$0	62
Net income of bank and minority interests.	$884,000	1,814
Net charge-offs	$7,000	2,464
Cash dividends	$384,000	1,420
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$884,000	1,769
2015-12-31 (YTD Data)		Rank
Total interest income	$12,760,000	1,927
Total interest expense	$830,000	2,753
Net interest income	$11,930,000	1,837
Provision for loan and lease losses	$560,000	1,236
Total noninterest income	$1,449,000	2,527
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$741,000	1,577
Trading account gains and fees	$0	159
Additional Noninterest Income	$708,000	2,819
Total noninterest expense	$9,769,000	1,936
Salaries and employee benefits	$5,829,000	1,784
Premises and equipment expense	$1,293,000	1,770
Additional noninterest expense	$2,647,000	2,220
Pre-tax net operating income	$3,050,000	2,298
Securities gains (losses)	$0	3,216
Applicable income taxes	$2,000	4,277
Income before extraordinary items	$3,048,000	2,027
Extraordinary gains, net	$0	23
Net income	$3,048,000	2,028
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,048,000	2,029
Net charge-offs	$366,000	1,434
Cash dividends	$1,565,000	1,598
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,048,000	1,984
2015-09-30 (YTD Data)		Rank
Total interest income	$9,361,000	1,972
Total interest expense	$630,000	2,763
Net interest income	$8,731,000	1,888
Provision for loan and lease losses	$410,000	1,212
Total noninterest income	$1,086,000	2,558
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$568,000	1,561
Trading account gains and fees	$0	153
Additional Noninterest Income	$518,000	2,877
Total noninterest expense	$6,870,000	2,064
Salaries and employee benefits	$3,966,000	1,964
Premises and equipment expense	$1,006,000	1,715
Additional noninterest expense	$1,898,000	2,313
Pre-tax net operating income	$2,537,000	2,170
Securities gains (losses)	$0	3,031
Applicable income taxes	$1,000	4,417
Income before extraordinary items	$2,536,000	1,870
Extraordinary gains, net	$0	21
Net income	$2,536,000	1,872
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,536,000	1,872
Net charge-offs	$277,000	1,266
Cash dividends	$1,177,000	1,443
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,536,000	1,840
2015-06-30 (YTD Data)		Rank
Total interest income	$6,036,000	2,026
Total interest expense	$426,000	2,751
Net interest income	$5,610,000	1,945
Provision for loan and lease losses	$260,000	1,253
Total noninterest income	$669,000	2,680
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$370,000	1,570
Trading account gains and fees	$0	157
Additional Noninterest Income	$299,000	3,068
Total noninterest expense	$4,479,000	2,110
Salaries and employee benefits	$2,576,000	2,023
Premises and equipment expense	$686,000	1,696
Additional noninterest expense	$1,217,000	2,395
Pre-tax net operating income	$1,540,000	2,299
Securities gains (losses)	$0	2,636
Applicable income taxes	$0	4,497
Income before extraordinary items	$1,540,000	2,001
Extraordinary gains, net	$0	22
Net income	$1,540,000	2,004
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,540,000	2,003
Net charge-offs	$269,000	990
Cash dividends	$872,000	1,377
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,540,000	1,953
2015-03-31 (YTD Data)		Rank
Total interest income	$2,976,000	2,051
Total interest expense	$218,000	2,724
Net interest income	$2,758,000	1,969
Provision for loan and lease losses	$75,000	1,675
Total noninterest income	$406,000	2,380
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$168,000	1,673
Trading account gains and fees	$0	152
Additional Noninterest Income	$238,000	2,422
Total noninterest expense	$2,127,000	2,209
Salaries and employee benefits	$1,196,000	2,160
Premises and equipment expense	$324,000	1,809
Additional noninterest expense	$607,000	2,395
Pre-tax net operating income	$962,000	1,918
Securities gains (losses)	$0	2,027
Applicable income taxes	$0	4,400
Income before extraordinary items	$962,000	1,664
Extraordinary gains, net	$0	13
Net income	$962,000	1,666
Minority interest net income	$0	64
Net income of bank and minority interests.	$962,000	1,666
Net charge-offs	$152,000	861
Cash dividends	$334,000	1,449
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$962,000	1,596
2014-12-31 (YTD Data)		Rank
Total interest income	$11,898,000	2,051
Total interest expense	$814,000	2,994
Net interest income	$11,084,000	1,950
Provision for loan and lease losses	$450,000	1,555
Total noninterest income	$1,781,000	2,278
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$850,000	1,499
Trading account gains and fees	$0	180
Additional Noninterest Income	$931,000	2,420
Total noninterest expense	$9,335,000	2,019
Salaries and employee benefits	$5,390,000	1,905
Premises and equipment expense	$1,331,000	1,743
Additional noninterest expense	$2,614,000	2,318
Pre-tax net operating income	$3,080,000	2,235
Securities gains (losses)	$0	3,259
Applicable income taxes	$5,000	4,305
Income before extraordinary items	$3,075,000	1,982
Extraordinary gains, net	$0	17
Net income	$3,075,000	1,980
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,075,000	1,979
Net charge-offs	$703,000	1,161
Cash dividends	$1,687,000	1,447
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,075,000	1,936
2014-09-30 (YTD Data)		Rank
Total interest income	$8,815,000	2,089
Total interest expense	$593,000	3,119
Net interest income	$8,222,000	1,977
Provision for loan and lease losses	$300,000	1,622
Total noninterest income	$1,372,000	2,245
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$641,000	1,499
Trading account gains and fees	$0	174
Additional Noninterest Income	$731,000	2,382
Total noninterest expense	$6,561,000	2,159
Salaries and employee benefits	$3,741,000	2,064
Premises and equipment expense	$1,014,000	1,736
Additional noninterest expense	$1,806,000	2,499
Pre-tax net operating income	$2,733,000	2,003
Securities gains (losses)	$0	2,980
Applicable income taxes	$4,000	4,360
Income before extraordinary items	$2,729,000	1,719
Extraordinary gains, net	$0	15
Net income	$2,729,000	1,720
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,729,000	1,719
Net charge-offs	$666,000	931
Cash dividends	$1,424,000	1,203
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,729,000	1,683
2014-06-30 (YTD Data)		Rank
Total interest income	$5,784,000	2,113
Total interest expense	$379,000	3,238
Net interest income	$5,405,000	1,995
Provision for loan and lease losses	$225,000	1,542
Total noninterest income	$904,000	2,223
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$447,000	1,429
Trading account gains and fees	$0	172
Additional Noninterest Income	$457,000	2,433
Total noninterest expense	$4,281,000	2,193
Salaries and employee benefits	$2,422,000	2,122
Premises and equipment expense	$700,000	1,700
Additional noninterest expense	$1,159,000	2,570
Pre-tax net operating income	$1,803,000	1,974
Securities gains (losses)	$0	2,580
Applicable income taxes	$3,000	4,347
Income before extraordinary items	$1,800,000	1,683
Extraordinary gains, net	$0	20
Net income	$1,800,000	1,686
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,800,000	1,685
Net charge-offs	$414,000	1,012
Cash dividends	$920,000	1,237
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,800,000	1,654
2014-03-31 (YTD Data)		Rank
Total interest income	$2,887,000	2,115
Total interest expense	$188,000	3,308
Net interest income	$2,699,000	1,990
Provision for loan and lease losses	$75,000	1,807
Total noninterest income	$418,000	2,305
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$241,000	1,317
Trading account gains and fees	$0	147
Additional Noninterest Income	$177,000	2,738
Total noninterest expense	$2,124,000	2,218
Salaries and employee benefits	$1,188,000	2,168
Premises and equipment expense	$373,000	1,617
Additional noninterest expense	$563,000	2,632
Pre-tax net operating income	$918,000	1,889
Securities gains (losses)	$0	1,715
Applicable income taxes	$2,000	4,234
Income before extraordinary items	$916,000	1,604
Extraordinary gains, net	$0	16
Net income	$916,000	1,607
Minority interest net income	$0	66
Net income of bank and minority interests.	$916,000	1,607
Net charge-offs	$311,000	699
Cash dividends	$436,000	1,148
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$916,000	1,572
2013-12-31 (YTD Data)		Rank
Total interest income	$11,493,000	2,128
Total interest expense	$988,000	2,966
Net interest income	$10,505,000	2,011
Provision for loan and lease losses	$412,000	2,078
Total noninterest income	$264,000	5,286
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$733,000	1,764
Trading account gains and fees	$0	184
Additional Noninterest Income	$-469,000	6,733
Total noninterest expense	$9,069,000	2,084
Salaries and employee benefits	$5,219,000	1,949
Premises and equipment expense	$1,221,000	1,891
Additional noninterest expense	$2,629,000	2,352
Pre-tax net operating income	$1,288,000	3,650
Securities gains (losses)	$0	3,182
Applicable income taxes	$1,000	4,552
Income before extraordinary items	$1,287,000	3,423
Extraordinary gains, net	$0	29
Net income	$1,287,000	3,424
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,287,000	3,426
Net charge-offs	$444,000	2,144
Cash dividends	$1,206,000	1,698
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,287,000	3,381
2013-09-30 (YTD Data)		Rank
Total interest income	$8,529,000	2,163
Total interest expense	$776,000	2,947
Net interest income	$7,753,000	2,039
Provision for loan and lease losses	$0	4,941
Total noninterest income	$756,000	3,236
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$518,000	1,856
Trading account gains and fees	$0	180
Additional Noninterest Income	$238,000	4,085
Total noninterest expense	$6,563,000	2,148
Salaries and employee benefits	$3,638,000	2,105
Premises and equipment expense	$901,000	1,927
Additional noninterest expense	$2,024,000	2,279
Pre-tax net operating income	$1,946,000	2,478
Securities gains (losses)	$0	3,040
Applicable income taxes	$1,000	4,622
Income before extraordinary items	$1,945,000	2,183
Extraordinary gains, net	$0	25
Net income	$1,945,000	2,189
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,945,000	2,189
Net charge-offs	$295,000	2,139
Cash dividends	$922,000	1,536
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,945,000	2,120
2013-06-30 (YTD Data)		Rank
Total interest income	$5,808,000	2,129
Total interest expense	$552,000	2,877
Net interest income	$5,256,000	1,999
Provision for loan and lease losses	$0	4,788
Total noninterest income	$435,000	3,556
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$417,000	1,574
Trading account gains and fees	$0	157
Additional Noninterest Income	$18,000	6,160
Total noninterest expense	$4,282,000	2,200
Salaries and employee benefits	$2,364,000	2,161
Premises and equipment expense	$596,000	1,933
Additional noninterest expense	$1,322,000	2,316
Pre-tax net operating income	$1,409,000	2,310
Securities gains (losses)	$0	2,791
Applicable income taxes	$1,000	4,582
Income before extraordinary items	$1,408,000	2,039
Extraordinary gains, net	$0	22
Net income	$1,408,000	2,047
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,408,000	2,045
Net charge-offs	$252,000	1,859
Cash dividends	$539,000	1,631
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,408,000	1,957
2013-03-31 (YTD Data)		Rank
Total interest income	$2,849,000	2,184
Total interest expense	$305,000	2,743
Net interest income	$2,544,000	2,059
Provision for loan and lease losses	$0	4,409
Total noninterest income	$234,000	3,405
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$187,000	1,700
Trading account gains and fees	$0	148
Additional Noninterest Income	$47,000	4,783
Total noninterest expense	$2,290,000	2,092
Salaries and employee benefits	$1,179,000	2,193
Premises and equipment expense	$293,000	2,007
Additional noninterest expense	$818,000	1,916
Pre-tax net operating income	$488,000	2,916
Securities gains (losses)	$0	1,966
Applicable income taxes	$1,000	4,491
Income before extraordinary items	$487,000	2,643
Extraordinary gains, net	$0	10
Net income	$487,000	2,646
Minority interest net income	$0	76
Net income of bank and minority interests.	$487,000	2,645
Net charge-offs	$181,000	1,434
Cash dividends	$34,000	2,476
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$487,000	2,566
2012-12-31 (YTD Data)		Rank
Total interest income	$11,781,000	2,211
Total interest expense	$1,710,000	2,454
Net interest income	$10,071,000	2,136
Provision for loan and lease losses	$390,000	3,053
Total noninterest income	$1,112,000	3,084
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$953,000	1,470
Trading account gains and fees	$0	166
Additional Noninterest Income	$159,000	4,874
Total noninterest expense	$8,950,000	2,129
Salaries and employee benefits	$4,676,000	2,133
Premises and equipment expense	$1,118,000	2,067
Additional noninterest expense	$3,156,000	2,058
Pre-tax net operating income	$1,843,000	2,971
Securities gains (losses)	$0	3,810
Applicable income taxes	$6,000	4,480
Income before extraordinary items	$1,837,000	2,743
Extraordinary gains, net	$0	29
Net income	$1,837,000	2,746
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,837,000	2,745
Net charge-offs	$402,000	2,931
Cash dividends	$2,052,000	1,185
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,837,000	2,627
2012-09-30 (YTD Data)		Rank
Total interest income	$8,719,000	2,293
Total interest expense	$1,377,000	2,386
Net interest income	$7,342,000	2,229
Provision for loan and lease losses	$270,000	3,108
Total noninterest income	$817,000	3,125
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$697,000	1,513
Trading account gains and fees	$0	157
Additional Noninterest Income	$120,000	4,892
Total noninterest expense	$6,113,000	2,320
Salaries and employee benefits	$3,125,000	2,358
Premises and equipment expense	$796,000	2,189
Additional noninterest expense	$2,192,000	2,205
Pre-tax net operating income	$1,776,000	2,573
Securities gains (losses)	$0	3,575
Applicable income taxes	$6,000	4,487
Income before extraordinary items	$1,770,000	2,333
Extraordinary gains, net	$0	20
Net income	$1,770,000	2,334
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,770,000	2,334
Net charge-offs	$262,000	2,999
Cash dividends	$2,018,000	761
Sale, conversion, retirement of capital stock, net	$2,000,000	117
Net operating income	$1,770,000	2,212
2012-06-30 (YTD Data)		Rank
Total interest income	$5,679,000	2,348
Total interest expense	$851,000	2,641
Net interest income	$4,828,000	2,250
Provision for loan and lease losses	$150,000	3,329
Total noninterest income	$599,000	2,937
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$475,000	1,482
Trading account gains and fees	$0	153
Additional Noninterest Income	$124,000	4,350
Total noninterest expense	$3,751,000	2,519
Salaries and employee benefits	$1,947,000	2,517
Premises and equipment expense	$501,000	2,286
Additional noninterest expense	$1,303,000	2,486
Pre-tax net operating income	$1,526,000	2,109
Securities gains (losses)	$0	3,178
Applicable income taxes	$5,000	4,421
Income before extraordinary items	$1,521,000	1,861
Extraordinary gains, net	$0	19
Net income	$1,521,000	1,860
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,521,000	1,861
Net charge-offs	$136,000	3,141
Cash dividends	$1,708,000	612
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,521,000	1,773
2012-03-31 (YTD Data)		Rank
Total interest income	$2,841,000	2,375
Total interest expense	$434,000	2,684
Net interest income	$2,407,000	2,276
Provision for loan and lease losses	$75,000	3,178
Total noninterest income	$261,000	3,171
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$198,000	1,711
Trading account gains and fees	$0	148
Additional Noninterest Income	$63,000	4,373
Total noninterest expense	$1,756,000	2,671
Salaries and employee benefits	$943,000	2,624
Premises and equipment expense	$245,000	2,326
Additional noninterest expense	$568,000	2,782
Pre-tax net operating income	$837,000	1,956
Securities gains (losses)	$0	2,210
Applicable income taxes	$3,000	4,405
Income before extraordinary items	$834,000	1,736
Extraordinary gains, net	$0	19
Net income	$834,000	1,738
Minority interest net income	$0	78
Net income of bank and minority interests.	$834,000	1,737
Net charge-offs	$77,000	2,677
Cash dividends	$1,234,000	392
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$834,000	1,634
2011-12-31 (YTD Data)		Rank
Total interest income	$11,667,000	2,386
Total interest expense	$1,995,000	2,787
Net interest income	$9,672,000	2,266
Provision for loan and lease losses	$436,000	3,640
Total noninterest income	$982,000	3,147
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$820,000	1,752
Trading account gains and fees	$0	146
Additional Noninterest Income	$162,000	4,752
Total noninterest expense	$7,165,000	2,617
Salaries and employee benefits	$4,152,000	2,321
Premises and equipment expense	$881,000	2,685
Additional noninterest expense	$2,132,000	2,953
Pre-tax net operating income	$3,053,000	1,806
Securities gains (losses)	$0	3,838
Applicable income taxes	$3,000	4,538
Income before extraordinary items	$3,050,000	1,584
Extraordinary gains, net	$0	29
Net income	$3,050,000	1,585
Minority interest net income	$0	96
Net income of bank and minority interests.	$3,050,000	1,585
Net charge-offs	$239,000	4,076
Cash dividends	$1,648,000	1,136
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$3,050,000	1,511
2011-09-30 (YTD Data)		Rank
Total interest income	$8,747,000	2,421
Total interest expense	$1,530,000	2,833
Net interest income	$7,217,000	2,284
Provision for loan and lease losses	$225,000	3,970
Total noninterest income	$795,000	3,022
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$554,000	1,907
Trading account gains and fees	$0	145
Additional Noninterest Income	$241,000	3,811
Total noninterest expense	$5,129,000	2,716
Salaries and employee benefits	$2,854,000	2,523
Premises and equipment expense	$681,000	2,630
Additional noninterest expense	$1,594,000	2,980
Pre-tax net operating income	$2,658,000	1,643
Securities gains (losses)	$0	3,555
Applicable income taxes	$3,000	4,520
Income before extraordinary items	$2,655,000	1,430
Extraordinary gains, net	$0	21
Net income	$2,655,000	1,430
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,655,000	1,430
Net charge-offs	$196,000	3,734
Cash dividends	$1,614,000	780
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,655,000	1,360
2011-06-30 (YTD Data)		Rank
Total interest income	$5,751,000	2,469
Total interest expense	$1,033,000	2,884
Net interest income	$4,718,000	2,325
Provision for loan and lease losses	$150,000	3,873
Total noninterest income	$504,000	3,112
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$357,000	1,938
Trading account gains and fees	$0	153
Additional Noninterest Income	$147,000	3,988
Total noninterest expense	$3,366,000	2,779
Salaries and employee benefits	$1,865,000	2,582
Premises and equipment expense	$465,000	2,593
Additional noninterest expense	$1,036,000	3,119
Pre-tax net operating income	$1,706,000	1,662
Securities gains (losses)	$0	2,914
Applicable income taxes	$2,000	4,487
Income before extraordinary items	$1,704,000	1,444
Extraordinary gains, net	$0	15
Net income	$1,704,000	1,444
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,704,000	1,444
Net charge-offs	$86,000	3,991
Cash dividends	$1,460,000	583
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,704,000	1,387
2011-03-31 (YTD Data)		Rank
Total interest income	$2,814,000	2,535
Total interest expense	$528,000	2,913
Net interest income	$2,286,000	2,401
Provision for loan and lease losses	$75,000	3,668
Total noninterest income	$202,000	3,565
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$163,000	2,076
Trading account gains and fees	$0	158
Additional Noninterest Income	$39,000	5,037
Total noninterest expense	$1,683,000	2,796
Salaries and employee benefits	$929,000	2,607
Premises and equipment expense	$243,000	2,546
Additional noninterest expense	$511,000	3,121
Pre-tax net operating income	$730,000	1,912
Securities gains (losses)	$0	1,772
Applicable income taxes	$1,000	4,403
Income before extraordinary items	$729,000	1,615
Extraordinary gains, net	$0	9
Net income	$729,000	1,615
Minority interest net income	$0	86
Net income of bank and minority interests.	$729,000	1,615
Net charge-offs	$61,000	3,186
Cash dividends	$1,084,000	356
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$729,000	1,569
2010-12-31 (YTD Data)		Rank
Total interest income	$12,062,000	2,482
Total interest expense	$2,671,000	2,841
Net interest income	$9,391,000	2,322
Provision for loan and lease losses	$390,000	4,485
Total noninterest income	$820,000	3,601
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$703,000	2,032
Trading account gains and fees	$0	175
Additional Noninterest Income	$117,000	5,257
Total noninterest expense	$6,820,000	2,786
Salaries and employee benefits	$3,912,000	2,459
Premises and equipment expense	$900,000	2,701
Additional noninterest expense	$2,008,000	3,248
Pre-tax net operating income	$3,001,000	1,628
Securities gains (losses)	$0	3,793
Applicable income taxes	$-10,000	6,568
Income before extraordinary items	$3,011,000	1,398
Extraordinary gains, net	$0	29
Net income	$3,011,000	1,401
Minority interest net income	$0	111
Net income of bank and minority interests.	$3,011,000	1,402
Net charge-offs	$83,000	5,567
Cash dividends	$2,386,000	705
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$3,011,000	1,353
2010-09-30 (YTD Data)		Rank
Total interest income	$9,063,000	2,533
Total interest expense	$2,083,000	2,865
Net interest income	$6,980,000	2,389
Provision for loan and lease losses	$150,000	5,242
Total noninterest income	$586,000	3,734
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$497,000	2,186
Trading account gains and fees	$0	165
Additional Noninterest Income	$89,000	5,355
Total noninterest expense	$4,807,000	2,940
Salaries and employee benefits	$2,678,000	2,688
Premises and equipment expense	$665,000	2,788
Additional noninterest expense	$1,464,000	3,297
Pre-tax net operating income	$2,609,000	1,512
Securities gains (losses)	$0	3,651
Applicable income taxes	$-10,000	6,841
Income before extraordinary items	$2,619,000	1,271
Extraordinary gains, net	$0	23
Net income	$2,619,000	1,275
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,619,000	1,275
Net charge-offs	$28,000	5,863
Cash dividends	$2,352,000	467
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$2,619,000	1,227
2010-06-30 (YTD Data)		Rank
Total interest income	$5,945,000	2,606
Total interest expense	$1,426,000	2,903
Net interest income	$4,519,000	2,449
Provision for loan and lease losses	$90,000	5,248
Total noninterest income	$393,000	3,675
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$307,000	2,316
Trading account gains and fees	$0	152
Additional Noninterest Income	$86,000	4,868
Total noninterest expense	$3,198,000	2,954
Salaries and employee benefits	$1,726,000	2,776
Premises and equipment expense	$439,000	2,825
Additional noninterest expense	$1,033,000	3,108
Pre-tax net operating income	$1,624,000	1,595
Securities gains (losses)	$0	3,184
Applicable income taxes	$-10,000	6,927
Income before extraordinary items	$1,634,000	1,350
Extraordinary gains, net	$0	19
Net income	$1,634,000	1,351
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,634,000	1,351
Net charge-offs	$23,000	5,442
Cash dividends	$2,018,000	345
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,634,000	1,303
2010-03-31 (YTD Data)		Rank
Total interest income	$2,946,000	2,694
Total interest expense	$720,000	2,992
Net interest income	$2,226,000	2,529
Provision for loan and lease losses	$45,000	4,935
Total noninterest income	$191,000	3,748
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$142,000	2,443
Trading account gains and fees	$0	175
Additional Noninterest Income	$49,000	4,728
Total noninterest expense	$1,580,000	3,014
Salaries and employee benefits	$844,000	2,871
Premises and equipment expense	$221,000	2,880
Additional noninterest expense	$515,000	3,094
Pre-tax net operating income	$792,000	1,633
Securities gains (losses)	$0	2,284
Applicable income taxes	$-10,000	7,111
Income before extraordinary items	$802,000	1,366
Extraordinary gains, net	$0	16
Net income	$802,000	1,369
Minority interest net income	$0	91
Net income of bank and minority interests.	$802,000	1,368
Net charge-offs	$4,000	5,215
Cash dividends	$970,000	354
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$802,000	1,324
2009-12-31 (YTD Data)		Rank
Total interest income	$12,070,000	2,733
Total interest expense	$3,586,000	2,989
Net interest income	$8,484,000	2,560
Provision for loan and lease losses	$377,000	4,948
Total noninterest income	$1,140,000	3,078
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$563,000	2,649
Trading account gains and fees	$0	211
Additional Noninterest Income	$577,000	2,954
Total noninterest expense	$6,516,000	2,974
Salaries and employee benefits	$3,693,000	2,645
Premises and equipment expense	$884,000	2,863
Additional noninterest expense	$1,939,000	3,391
Pre-tax net operating income	$2,731,000	1,464
Securities gains (losses)	$0	3,754
Applicable income taxes	$31,000	3,493
Income before extraordinary items	$2,700,000	1,231
Extraordinary gains, net	$0	34
Net income	$2,700,000	1,230
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,700,000	1,230
Net charge-offs	$130,000	5,460
Cash dividends	$1,028,000	1,596
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,700,000	1,219
2009-09-30 (YTD Data)		Rank
Total interest income	$9,091,000	2,756
Total interest expense	$2,784,000	3,029
Net interest income	$6,307,000	2,598
Provision for loan and lease losses	$108,000	5,889
Total noninterest income	$589,000	3,881
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$409,000	2,711
Trading account gains and fees	$0	212
Additional Noninterest Income	$180,000	4,456
Total noninterest expense	$4,740,000	3,062
Salaries and employee benefits	$2,527,000	2,923
Premises and equipment expense	$700,000	2,766
Additional noninterest expense	$1,513,000	3,262
Pre-tax net operating income	$2,048,000	1,588
Securities gains (losses)	$0	3,497
Applicable income taxes	$26,000	3,685
Income before extraordinary items	$2,022,000	1,322
Extraordinary gains, net	$0	27
Net income	$2,022,000	1,322
Minority interest net income	$0	118
Net income of bank and minority interests.	$2,022,000	1,323
Net charge-offs	$120,000	4,886
Cash dividends	$1,028,000	1,215
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,022,000	1,295
2009-06-30 (YTD Data)		Rank
Total interest income	$5,994,000	2,832
Total interest expense	$1,893,000	3,098
Net interest income	$4,101,000	2,647
Provision for loan and lease losses	$63,000	5,798
Total noninterest income	$376,000	3,967
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$265,000	2,742
Trading account gains and fees	$0	193
Additional Noninterest Income	$111,000	4,607
Total noninterest expense	$3,101,000	3,139
Salaries and employee benefits	$1,649,000	3,006
Premises and equipment expense	$468,000	2,806
Additional noninterest expense	$984,000	3,326
Pre-tax net operating income	$1,313,000	1,701
Securities gains (losses)	$0	3,136
Applicable income taxes	$20,000	3,701
Income before extraordinary items	$1,293,000	1,449
Extraordinary gains, net	$0	21
Net income	$1,293,000	1,447
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,293,000	1,448
Net charge-offs	$48,000	4,953
Cash dividends	$884,000	1,044
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,293,000	1,418
2009-03-31 (YTD Data)		Rank
Total interest income	$2,979,000	2,881
Total interest expense	$944,000	3,208
Net interest income	$2,035,000	2,667
Provision for loan and lease losses	$22,000	5,819
Total noninterest income	$146,000	4,448
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$127,000	2,774
Trading account gains and fees	$0	171
Additional Noninterest Income	$19,000	6,215
Total noninterest expense	$1,528,000	3,094
Salaries and employee benefits	$822,000	3,032
Premises and equipment expense	$240,000	2,767
Additional noninterest expense	$466,000	3,191
Pre-tax net operating income	$631,000	1,969
Securities gains (losses)	$0	2,434
Applicable income taxes	$15,000	3,758
Income before extraordinary items	$616,000	1,748
Extraordinary gains, net	$0	15
Net income	$616,000	1,749
Minority interest net income	$0	102
Net income of bank and minority interests.	$616,000	1,750
Net charge-offs	$40,000	3,753
Cash dividends	$500,000	851
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$616,000	1,660
2008-12-31 (YTD Data)		Rank
Total interest income	$12,046,000	3,030
Total interest expense	$4,149,000	3,425
Net interest income	$7,897,000	2,748
Provision for loan and lease losses	$110,000	5,937
Total noninterest income	$829,000	3,798
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$602,000	2,644
Trading account gains and fees	$0	154
Additional Noninterest Income	$227,000	4,635
Total noninterest expense	$6,076,000	3,043
Salaries and employee benefits	$3,543,000	2,792
Premises and equipment expense	$885,000	2,915
Additional noninterest expense	$1,648,000	3,380
Pre-tax net operating income	$2,540,000	2,060
Securities gains (losses)	$0	3,220
Applicable income taxes	$17,000	4,344
Income before extraordinary items	$2,523,000	1,607
Extraordinary gains, net	$0	39
Net income	$2,523,000	1,608
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$148,000	4,485
Cash dividends	$1,164,000	2,100
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,523,000	1,712
2008-09-30 (YTD Data)		Rank
Total interest income	$9,029,000	3,095
Total interest expense	$3,171,000	3,484
Net interest income	$5,858,000	2,779
Provision for loan and lease losses	$10,000	6,725
Total noninterest income	$608,000	3,931
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$459,000	2,626
Trading account gains and fees	$0	148
Additional Noninterest Income	$149,000	4,964
Total noninterest expense	$4,271,000	3,204
Salaries and employee benefits	$2,405,000	3,092
Premises and equipment expense	$678,000	2,890
Additional noninterest expense	$1,188,000	3,412
Pre-tax net operating income	$2,185,000	2,158
Securities gains (losses)	$0	3,106
Applicable income taxes	$14,000	4,753
Income before extraordinary items	$2,171,000	1,651
Extraordinary gains, net	$0	31
Net income	$2,171,000	1,650
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$115,000	3,778
Cash dividends	$1,164,000	1,623
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,171,000	1,747
2008-06-30 (YTD Data)		Rank
Total interest income	$6,093,000	3,108
Total interest expense	$2,199,000	3,507
Net interest income	$3,894,000	2,780
Provision for loan and lease losses	$10,000	6,307
Total noninterest income	$392,000	4,054
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$315,000	2,546
Trading account gains and fees	$0	149
Additional Noninterest Income	$77,000	5,474
Total noninterest expense	$2,825,000	3,243
Salaries and employee benefits	$1,578,000	3,182
Premises and equipment expense	$453,000	2,887
Additional noninterest expense	$794,000	3,383
Pre-tax net operating income	$1,451,000	2,268
Securities gains (losses)	$0	3,233
Applicable income taxes	$11,000	4,950
Income before extraordinary items	$1,440,000	1,869
Extraordinary gains, net	$0	21
Net income	$1,440,000	1,871
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$118,000	2,828
Cash dividends	$996,000	1,444
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,440,000	1,834
2008-03-31 (YTD Data)		Rank
Total interest income	$3,160,000	3,074
Total interest expense	$1,165,000	3,527
Net interest income	$1,995,000	2,710
Provision for loan and lease losses	$10,000	5,419
Total noninterest income	$196,000	4,045
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$145,000	2,698
Trading account gains and fees	$0	158
Additional Noninterest Income	$51,000	5,012
Total noninterest expense	$1,450,000	3,163
Salaries and employee benefits	$796,000	3,176
Premises and equipment expense	$239,000	2,753
Additional noninterest expense	$415,000	3,204
Pre-tax net operating income	$731,000	2,337
Securities gains (losses)	$0	2,688
Applicable income taxes	$8,000	4,911
Income before extraordinary items	$723,000	1,976
Extraordinary gains, net	$0	15
Net income	$723,000	1,979
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	3,100
Cash dividends	$660,000	1,072
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$723,000	1,915
2007-12-31 (YTD Data)		Rank
Total interest income	$13,203,000	3,020
Total interest expense	$5,095,000	3,419
Net interest income	$8,108,000	2,691
Provision for loan and lease losses	$85,000	5,129
Total noninterest income	$707,000	4,264
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$526,000	2,934
Trading account gains and fees	$0	178
Additional Noninterest Income	$181,000	5,259
Total noninterest expense	$5,718,000	3,099
Salaries and employee benefits	$3,316,000	2,968
Premises and equipment expense	$855,000	2,921
Additional noninterest expense	$1,547,000	3,328
Pre-tax net operating income	$3,012,000	2,466
Securities gains (losses)	$0	2,146
Applicable income taxes	$8,000	5,687
Income before extraordinary items	$3,004,000	2,051
Extraordinary gains, net	$0	39
Net income	$3,004,000	2,050
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	5,388
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$3,004,000	2,033
2007-09-30 (YTD Data)		Rank
Total interest income	$9,692,000	3,072
Total interest expense	$3,844,000	3,404
Net interest income	$5,848,000	2,802
Provision for loan and lease losses	$0	6,528
Total noninterest income	$524,000	4,299
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$392,000	2,943
Trading account gains and fees	$0	184
Additional Noninterest Income	$132,000	5,317
Total noninterest expense	$3,877,000	3,326
Salaries and employee benefits	$2,174,000	3,308
Premises and equipment expense	$588,000	3,115
Additional noninterest expense	$1,115,000	3,382
Pre-tax net operating income	$2,495,000	2,437
Securities gains (losses)	$0	1,655
Applicable income taxes	$6,000	5,862
Income before extraordinary items	$2,489,000	2,012
Extraordinary gains, net	$0	33
Net income	$2,489,000	2,010
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	4,364
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,489,000	2,001
2007-06-30 (YTD Data)		Rank
Total interest income	$6,360,000	3,131
Total interest expense	$2,509,000	3,445
Net interest income	$3,851,000	2,853
Provision for loan and lease losses	$0	6,209
Total noninterest income	$331,000	4,452
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$256,000	2,980
Trading account gains and fees	$0	168
Additional Noninterest Income	$75,000	5,629
Total noninterest expense	$2,410,000	3,550
Salaries and employee benefits	$1,340,000	3,547
Premises and equipment expense	$391,000	3,140
Additional noninterest expense	$679,000	3,645
Pre-tax net operating income	$1,772,000	2,364
Securities gains (losses)	$0	1,444
Applicable income taxes	$4,000	5,967
Income before extraordinary items	$1,768,000	1,947
Extraordinary gains, net	$0	29
Net income	$1,768,000	1,947
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	4,177
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,768,000	1,928
2007-03-31 (YTD Data)		Rank
Total interest income	$3,121,000	3,174
Total interest expense	$1,246,000	3,440
Net interest income	$1,875,000	2,927
Provision for loan and lease losses	$0	5,779
Total noninterest income	$158,000	4,514
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$121,000	3,053
Trading account gains and fees	$0	195
Additional Noninterest Income	$37,000	5,638
Total noninterest expense	$1,215,000	3,537
Salaries and employee benefits	$680,000	3,540
Premises and equipment expense	$188,000	3,268
Additional noninterest expense	$347,000	3,552
Pre-tax net operating income	$818,000	2,525
Securities gains (losses)	$0	1,187
Applicable income taxes	$2,000	5,948
Income before extraordinary items	$816,000	2,024
Extraordinary gains, net	$0	22
Net income	$816,000	2,024
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,566
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$816,000	2,017
2006-12-31 (YTD Data)		Rank
Total interest income	$11,634,000	3,187
Total interest expense	$4,223,000	3,462
Net interest income	$7,411,000	2,958
Provision for loan and lease losses	$250,000	3,097
Total noninterest income	$724,000	4,285
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$556,000	2,845
Trading account gains and fees	$0	130
Additional Noninterest Income	$168,000	5,428
Total noninterest expense	$5,116,000	3,288
Salaries and employee benefits	$3,034,000	3,098
Premises and equipment expense	$764,000	3,110
Additional noninterest expense	$1,318,000	3,666
Pre-tax net operating income	$2,769,000	2,931
Securities gains (losses)	$0	1,687
Applicable income taxes	$9,000	6,185
Income before extraordinary items	$2,760,000	2,421
Extraordinary gains, net	$0	51
Net income	$2,760,000	2,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	5,041
Cash dividends	$879,000	2,795
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,760,000	2,401
2006-09-30 (YTD Data)		Rank
Total interest income	$8,365,000	3,261
Total interest expense	$3,032,000	3,484
Net interest income	$5,333,000	3,089
Provision for loan and lease losses	$0	6,685
Total noninterest income	$571,000	4,177
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$428,000	2,810
Trading account gains and fees	$0	126
Additional Noninterest Income	$143,000	5,225
Total noninterest expense	$3,568,000	3,475
Salaries and employee benefits	$2,019,000	3,423
Premises and equipment expense	$610,000	2,961
Additional noninterest expense	$939,000	3,801
Pre-tax net operating income	$2,336,000	2,807
Securities gains (losses)	$0	1,388
Applicable income taxes	$8,000	6,282
Income before extraordinary items	$2,328,000	2,283
Extraordinary gains, net	$0	45
Net income	$2,328,000	2,286
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,141
Cash dividends	$879,000	2,116
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,328,000	2,271
2006-06-30 (YTD Data)		Rank
Total interest income	$5,301,000	3,342
Total interest expense	$1,892,000	3,544
Net interest income	$3,409,000	3,203
Provision for loan and lease losses	$0	6,419
Total noninterest income	$349,000	4,358
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$277,000	2,844
Trading account gains and fees	$0	126
Additional Noninterest Income	$72,000	5,737
Total noninterest expense	$2,293,000	3,585
Salaries and employee benefits	$1,296,000	3,533
Premises and equipment expense	$391,000	3,062
Additional noninterest expense	$606,000	3,883
Pre-tax net operating income	$1,465,000	2,923
Securities gains (losses)	$0	1,185
Applicable income taxes	$7,000	6,238
Income before extraordinary items	$1,458,000	2,390
Extraordinary gains, net	$0	39
Net income	$1,458,000	2,392
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,860
Cash dividends	$879,000	1,611
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,458,000	2,376
2006-03-31 (YTD Data)		Rank
Total interest income	$2,594,000	3,346
Total interest expense	$906,000	3,519
Net interest income	$1,688,000	3,219
Provision for loan and lease losses	$0	6,013
Total noninterest income	$160,000	4,504
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$124,000	3,011
Trading account gains and fees	$0	115
Additional Noninterest Income	$36,000	5,743
Total noninterest expense	$1,150,000	3,594
Salaries and employee benefits	$639,000	3,591
Premises and equipment expense	$186,000	3,186
Additional noninterest expense	$325,000	3,654
Pre-tax net operating income	$698,000	2,979
Securities gains (losses)	$0	955
Applicable income taxes	$6,000	6,016
Income before extraordinary items	$692,000	2,461
Extraordinary gains, net	$0	21
Net income	$692,000	2,463
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$645,000	1,093
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$692,000	2,440
2005-12-31 (YTD Data)		Rank
Total interest income	$9,290,000	3,340
Total interest expense	$2,595,000	3,719
Net interest income	$6,695,000	3,152
Provision for loan and lease losses	$345,000	2,552
Total noninterest income	$640,000	4,623
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$505,000	3,034
Trading account gains and fees	$0	138
Additional Noninterest Income	$135,000	5,901
Total noninterest expense	$4,936,000	3,274
Salaries and employee benefits	$2,607,000	3,362
Premises and equipment expense	$772,000	2,993
Additional noninterest expense	$1,557,000	3,133
Pre-tax net operating income	$2,054,000	3,618
Securities gains (losses)	$0	2,296
Applicable income taxes	$8,000	6,595
Income before extraordinary items	$2,046,000	3,047
Extraordinary gains, net	$0	46
Net income	$2,046,000	3,049
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,675
Cash dividends	$801,000	2,818
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,046,000	3,009
2005-09-30 (YTD Data)		Rank
Total interest income	$6,732,000	3,372
Total interest expense	$1,815,000	3,770
Net interest income	$4,917,000	3,186
Provision for loan and lease losses	$145,000	3,544
Total noninterest income	$471,000	4,710
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$368,000	3,088
Trading account gains and fees	$0	126
Additional Noninterest Income	$103,000	5,896
Total noninterest expense	$3,259,000	3,612
Salaries and employee benefits	$1,736,000	3,673
Premises and equipment expense	$578,000	2,976
Additional noninterest expense	$945,000	3,668
Pre-tax net operating income	$1,984,000	3,083
Securities gains (losses)	$0	2,317
Applicable income taxes	$8,000	6,588
Income before extraordinary items	$1,976,000	2,506
Extraordinary gains, net	$0	35
Net income	$1,976,000	2,506
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	4,957
Cash dividends	$621,000	2,472
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,976,000	2,477
2005-06-30 (YTD Data)		Rank
Total interest income	$4,263,000	3,445
Total interest expense	$1,081,000	3,921
Net interest income	$3,182,000	3,239
Provision for loan and lease losses	$65,000	4,019
Total noninterest income	$294,000	4,840
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$236,000	3,145
Trading account gains and fees	$0	116
Additional Noninterest Income	$58,000	6,178
Total noninterest expense	$2,138,000	3,629
Salaries and employee benefits	$1,123,000	3,750
Premises and equipment expense	$384,000	2,960
Additional noninterest expense	$631,000	3,647
Pre-tax net operating income	$1,273,000	3,113
Securities gains (losses)	$0	2,146
Applicable income taxes	$6,000	6,566
Income before extraordinary items	$1,267,000	2,538
Extraordinary gains, net	$0	30
Net income	$1,267,000	2,538
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	4,257
Cash dividends	$489,000	2,258
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,267,000	2,492
2005-03-31 (YTD Data)		Rank
Total interest income	$2,080,000	3,480
Total interest expense	$512,000	3,960
Net interest income	$1,568,000	3,290
Provision for loan and lease losses	$30,000	3,913
Total noninterest income	$125,000	5,157
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$102,000	3,402
Trading account gains and fees	$0	115
Additional Noninterest Income	$23,000	6,629
Total noninterest expense	$1,038,000	3,738
Salaries and employee benefits	$554,000	3,789
Premises and equipment expense	$189,000	3,019
Additional noninterest expense	$295,000	3,860
Pre-tax net operating income	$625,000	3,131
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$625,000	2,531
Extraordinary gains, net	$0	24
Net income	$625,000	2,532
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$225,000	2,079
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$625,000	2,494
2004-12-31 (YTD Data)		Rank
Total interest income	$7,089,000	3,767
Total interest expense	$1,808,000	3,961
Net interest income	$5,281,000	3,653
Provision for loan and lease losses	$234,000	3,432
Total noninterest income	$492,000	5,313
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$414,000	3,569
Trading account gains and fees	$0	138
Additional Noninterest Income	$78,000	6,806
Total noninterest expense	$4,115,000	3,650
Salaries and employee benefits	$2,333,000	3,533
Premises and equipment expense	$682,000	3,197
Additional noninterest expense	$1,100,000	4,014
Pre-tax net operating income	$1,424,000	4,386
Securities gains (losses)	$0	3,819
Applicable income taxes	$16,000	6,625
Income before extraordinary items	$1,408,000	3,792
Extraordinary gains, net	$0	34
Net income	$1,408,000	3,793
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,745
Cash dividends	$1,487,000	1,751
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,408,000	3,733
2004-09-30 (YTD Data)		Rank
Total interest income	$5,111,000	3,868
Total interest expense	$1,311,000	4,025
Net interest income	$3,800,000	3,754
Provision for loan and lease losses	$54,000	5,285
Total noninterest income	$331,000	5,596
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$285,000	3,784
Trading account gains and fees	$0	134
Additional Noninterest Income	$46,000	7,182
Total noninterest expense	$2,815,000	3,907
Salaries and employee benefits	$1,578,000	3,804
Premises and equipment expense	$461,000	3,479
Additional noninterest expense	$776,000	4,172
Pre-tax net operating income	$1,262,000	4,025
Securities gains (losses)	$0	3,710
Applicable income taxes	$13,000	6,704
Income before extraordinary items	$1,249,000	3,443
Extraordinary gains, net	$0	26
Net income	$1,249,000	3,443
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,361
Cash dividends	$1,487,000	1,282
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,249,000	3,352
2004-06-30 (YTD Data)		Rank
Total interest income	$3,278,000	3,987
Total interest expense	$865,000	4,045
Net interest income	$2,413,000	3,891
Provision for loan and lease losses	$19,000	5,937
Total noninterest income	$220,000	5,615
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$178,000	3,941
Trading account gains and fees	$0	130
Additional Noninterest Income	$42,000	6,726
Total noninterest expense	$1,855,000	3,981
Salaries and employee benefits	$1,026,000	3,902
Premises and equipment expense	$293,000	3,625
Additional noninterest expense	$536,000	4,097
Pre-tax net operating income	$759,000	4,246
Securities gains (losses)	$0	3,413
Applicable income taxes	$10,000	6,651
Income before extraordinary items	$749,000	3,701
Extraordinary gains, net	$0	21
Net income	$749,000	3,701
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$1,367,000	973
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$749,000	3,609
2004-03-31 (YTD Data)		Rank
Total interest income	$1,601,000	4,059
Total interest expense	$437,000	4,059
Net interest income	$1,164,000	3,989
Provision for loan and lease losses	$0	6,501
Total noninterest income	$99,000	5,796
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$81,000	4,084
Trading account gains and fees	$0	121
Additional Noninterest Income	$18,000	6,980
Total noninterest expense	$903,000	4,080
Salaries and employee benefits	$513,000	3,922
Premises and equipment expense	$144,000	3,699
Additional noninterest expense	$246,000	4,380
Pre-tax net operating income	$360,000	4,351
Securities gains (losses)	$0	2,934
Applicable income taxes	$5,000	6,601
Income before extraordinary items	$355,000	3,809
Extraordinary gains, net	$0	16
Net income	$355,000	3,808
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$1,247,000	554
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$355,000	3,696
2003-12-31 (YTD Data)		Rank
Total interest income	$6,523,000	4,046
Total interest expense	$1,767,000	4,397
Net interest income	$4,756,000	3,831
Provision for loan and lease losses	$75,000	5,722
Total noninterest income	$643,000	4,784
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$551,000	2,874
Trading account gains and fees	$0	160
Additional Noninterest Income	$92,000	6,661
Total noninterest expense	$3,436,000	4,178
Salaries and employee benefits	$1,950,000	4,009
Premises and equipment expense	$496,000	4,084
Additional noninterest expense	$990,000	4,311
Pre-tax net operating income	$1,888,000	3,520
Securities gains (losses)	$0	4,500
Applicable income taxes	$148,000	5,291
Income before extraordinary items	$1,740,000	3,186
Extraordinary gains, net	$0	54
Net income	$1,740,000	3,186
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,674
Cash dividends	$750,000	2,818
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,740,000	3,039
2003-09-30 (YTD Data)		Rank
Total interest income	$4,851,000	4,112
Total interest expense	$1,365,000	4,442
Net interest income	$3,486,000	3,917
Provision for loan and lease losses	$0	7,481
Total noninterest income	$538,000	4,535
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$463,000	2,653
Trading account gains and fees	$0	153
Additional Noninterest Income	$75,000	6,587
Total noninterest expense	$2,322,000	4,499
Salaries and employee benefits	$1,310,000	4,344
Premises and equipment expense	$335,000	4,389
Additional noninterest expense	$677,000	4,573
Pre-tax net operating income	$1,702,000	3,214
Securities gains (losses)	$0	4,204
Applicable income taxes	$146,000	5,136
Income before extraordinary items	$1,556,000	2,890
Extraordinary gains, net	$0	40
Net income	$1,556,000	2,890
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,592
Cash dividends	$750,000	2,073
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,556,000	2,740
2003-06-30 (YTD Data)		Rank
Total interest income	$3,196,000	4,195
Total interest expense	$938,000	4,451
Net interest income	$2,258,000	4,008
Provision for loan and lease losses	$0	7,324
Total noninterest income	$366,000	4,467
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$327,000	2,480
Trading account gains and fees	$0	150
Additional Noninterest Income	$39,000	6,988
Total noninterest expense	$1,484,000	4,630
Salaries and employee benefits	$835,000	4,478
Premises and equipment expense	$231,000	4,294
Additional noninterest expense	$418,000	4,845
Pre-tax net operating income	$1,140,000	3,207
Securities gains (losses)	$0	3,782
Applicable income taxes	$145,000	4,551
Income before extraordinary items	$995,000	2,984
Extraordinary gains, net	$0	30
Net income	$995,000	2,983
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,006
Cash dividends	$750,000	1,617
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$995,000	2,838
2003-03-31 (YTD Data)		Rank
Total interest income	$1,620,000	4,184
Total interest expense	$486,000	4,423
Net interest income	$1,134,000	4,000
Provision for loan and lease losses	$0	6,934
Total noninterest income	$188,000	4,314
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$170,000	2,334
Trading account gains and fees	$0	134
Additional Noninterest Income	$18,000	7,075
Total noninterest expense	$738,000	4,631
Salaries and employee benefits	$414,000	4,517
Premises and equipment expense	$119,000	4,200
Additional noninterest expense	$205,000	4,878
Pre-tax net operating income	$584,000	3,149
Securities gains (losses)	$0	2,891
Applicable income taxes	$143,000	3,302
Income before extraordinary items	$441,000	3,227
Extraordinary gains, net	$0	21
Net income	$441,000	3,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,853
Cash dividends	$750,000	860
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$441,000	3,068
2002-12-31 (YTD Data)		Rank
Total interest income	$6,312,000	4,412
Total interest expense	$2,046,000	4,723
Net interest income	$4,266,000	4,141
Provision for loan and lease losses	$73,000	6,223
Total noninterest income	$782,000	4,052
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$694,000	2,263
Trading account gains and fees	$0	153
Additional Noninterest Income	$88,000	6,695
Total noninterest expense	$2,829,000	4,657
Salaries and employee benefits	$1,629,000	4,398
Premises and equipment expense	$410,000	4,561
Additional noninterest expense	$790,000	4,968
Pre-tax net operating income	$2,146,000	3,275
Securities gains (losses)	$0	4,537
Applicable income taxes	$644,000	3,003
Income before extraordinary items	$1,502,000	3,502
Extraordinary gains, net	$0	70
Net income	$1,502,000	3,500
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,185
Cash dividends	$330,000	4,164
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,502,000	3,396
2001-12-31 (YTD Data)		Rank
Total interest income	$6,424,000	4,719
Total interest expense	$2,862,000	4,904
Net interest income	$3,562,000	4,500
Provision for loan and lease losses	$64,000	6,300
Total noninterest income	$678,000	4,266
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$596,000	2,446
Trading account gains and fees	$0	177
Additional Noninterest Income	$82,000	6,833
Total noninterest expense	$2,349,000	5,172
Salaries and employee benefits	$1,389,000	4,781
Premises and equipment expense	$346,000	5,065
Additional noninterest expense	$614,000	5,750
Pre-tax net operating income	$1,827,000	3,396
Securities gains (losses)	$0	4,612
Applicable income taxes	$582,000	3,025
Income before extraordinary items	$1,245,000	3,701
Extraordinary gains, net	$0	105
Net income	$1,245,000	3,702
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$226,000	4,821
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,245,000	3,596
2000-12-31 (YTD Data)		Rank
Total interest income	$6,005,000	5,080
Total interest expense	$2,908,000	5,043
Net interest income	$3,097,000	5,035
Provision for loan and lease losses	$70,000	5,970
Total noninterest income	$425,000	5,375
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$356,000	3,543
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	7,208
Total noninterest expense	$1,981,000	5,720
Salaries and employee benefits	$1,152,000	5,378
Premises and equipment expense	$282,000	5,628
Additional noninterest expense	$547,000	6,088
Pre-tax net operating income	$1,471,000	4,119
Securities gains (losses)	$0	1,956
Applicable income taxes	$418,000	3,894
Income before extraordinary items	$1,053,000	4,235
Extraordinary gains, net	$0	38
Net income	$1,053,000	4,236
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,551
Cash dividends	$162,000	5,390
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,053,000	4,237
1999-12-31 (YTD Data)		Rank
Total interest income	$5,196,000	5,436
Total interest expense	$2,369,000	5,390
Net interest income	$2,827,000	5,392
Provision for loan and lease losses	$100,000	5,206
Total noninterest income	$340,000	6,090
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$255,000	4,470
Trading account gains and fees	NA	NA
Additional Noninterest Income	$85,000	7,013
Total noninterest expense	$1,797,000	6,090
Salaries and employee benefits	$1,019,000	5,804
Premises and equipment expense	$267,000	5,840
Additional noninterest expense	$511,000	6,435
Pre-tax net operating income	$1,270,000	4,597
Securities gains (losses)	$2,000	2,566
Applicable income taxes	$372,000	4,347
Income before extraordinary items	$900,000	4,746
Extraordinary gains, net	$0	35
Net income	$900,000	4,746
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$160,000	2,747
Cash dividends	$552,000	3,307
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$898,580	4,707
1998-12-31 (YTD Data)		Rank
Total interest income	$4,996,000	5,681
Total interest expense	$2,383,000	5,546
Net interest income	$2,613,000	5,677
Provision for loan and lease losses	$60,000	6,123
Total noninterest income	$281,000	6,653
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$232,000	4,727
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	8,189
Total noninterest expense	$1,632,000	6,361
Salaries and employee benefits	$894,000	6,232
Premises and equipment expense	$241,000	6,084
Additional noninterest expense	$497,000	6,466
Pre-tax net operating income	$1,202,000	4,877
Securities gains (losses)	$0	4,449
Applicable income taxes	$374,000	4,598
Income before extraordinary items	$828,000	5,082
Extraordinary gains, net	$0	32
Net income	$828,000	5,082
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,524
Cash dividends	$365,000	4,176
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$828,000	4,999
1997-12-31 (YTD Data)		Rank
Total interest income	$4,803,000	5,948
Total interest expense	$2,370,000	5,623
Net interest income	$2,433,000	6,151
Provision for loan and lease losses	$70,000	5,912
Total noninterest income	$234,000	7,413
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$178,000	5,694
Trading account gains and fees	NA	NA
Additional Noninterest Income	$56,000	8,171
Total noninterest expense	$1,415,000	6,996
Salaries and employee benefits	$802,000	6,767
Premises and equipment expense	$237,000	6,253
Additional noninterest expense	$376,000	7,565
Pre-tax net operating income	$1,182,000	5,289
Securities gains (losses)	$0	3,944
Applicable income taxes	$383,000	5,011
Income before extraordinary items	$799,000	5,470
Extraordinary gains, net	$0	44
Net income	$799,000	5,473
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,011
Cash dividends	$196,000	5,465
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$799,000	5,416
1996-12-31 (YTD Data)		Rank
Total interest income	$4,301,000	6,581
Total interest expense	$2,104,000	6,215
Net interest income	$2,197,000	6,774
Provision for loan and lease losses	$96,000	5,205
Total noninterest income	$219,000	7,974
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$161,000	6,268
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	8,550
Total noninterest expense	$1,301,000	7,660
Salaries and employee benefits	$707,000	7,490
Premises and equipment expense	$228,000	6,562
Additional noninterest expense	$366,000	8,194
Pre-tax net operating income	$1,019,000	5,668
Securities gains (losses)	$0	4,148
Applicable income taxes	$344,000	5,396
Income before extraordinary items	$675,000	5,868
Extraordinary gains, net	$0	53
Net income	$675,000	5,870
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	10,561
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$675,000	5,808
1995-12-31 (YTD Data)		Rank
Total interest income	$3,416,000	7,665
Total interest expense	$1,707,000	7,120
Net interest income	$1,709,000	7,993
Provision for loan and lease losses	$65,000	5,556
Total noninterest income	$178,000	8,815
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$124,000	7,225
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	9,034
Total noninterest expense	$1,207,000	8,183
Salaries and employee benefits	$649,000	8,073
Premises and equipment expense	$214,000	6,939
Additional noninterest expense	$344,000	8,752
Pre-tax net operating income	$615,000	7,802
Securities gains (losses)	$1,000	3,512
Applicable income taxes	$158,000	8,127
Income before extraordinary items	$458,000	7,576
Extraordinary gains, net	$0	65
Net income	$458,000	7,575
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,576
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$457,260	7,555
1994-12-31 (YTD Data)		Rank
Total interest income	$2,723,000	8,510
Total interest expense	$1,180,000	7,990
Net interest income	$1,543,000	8,754
Provision for loan and lease losses	$15,000	8,073
Total noninterest income	$152,000	9,667
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$112,000	7,785
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	10,157
Total noninterest expense	$1,109,000	8,953
Salaries and employee benefits	$543,000	9,019
Premises and equipment expense	$134,000	8,981
Additional noninterest expense	$432,000	8,508
Pre-tax net operating income	$571,000	8,177
Securities gains (losses)	$0	3,600
Applicable income taxes	$150,000	8,297
Income before extraordinary items	$421,000	7,982
Extraordinary gains, net	$0	249
Net income	$421,000	7,989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,214
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$421,000	8,030
1993-12-31 (YTD Data)		Rank
Total interest income	$2,624,000	8,959
Total interest expense	$1,045,000	8,900
Net interest income	$1,579,000	8,869
Provision for loan and lease losses	$120,000	5,200
Total noninterest income	$135,000	10,524
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$89,000	8,728
Trading account gains and fees	NA	NA
Additional Noninterest Income	$46,000	10,323
Total noninterest expense	$891,000	10,235
Salaries and employee benefits	$437,000	10,271
Premises and equipment expense	$66,000	11,648
Additional noninterest expense	$388,000	9,393
Pre-tax net operating income	$703,000	7,349
Securities gains (losses)	$0	7,477
Applicable income taxes	$202,000	7,571
Income before extraordinary items	$501,000	7,547
Extraordinary gains, net	$0	3,149
Net income	$501,000	7,734
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	9,031
Cash dividends	$175,000	5,761
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$501,000	7,295
1992-12-31 (YTD Data)		Rank
Total interest income	$2,646,000	9,636
Total interest expense	$1,196,000	9,620
Net interest income	$1,450,000	9,454
Provision for loan and lease losses	$105,000	7,133
Total noninterest income	$121,000	11,154
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$83,000	9,060
Trading account gains and fees	NA	NA
Additional Noninterest Income	$38,000	11,181
Total noninterest expense	$807,000	10,967
Salaries and employee benefits	$412,000	10,718
Premises and equipment expense	$63,000	12,143
Additional noninterest expense	$332,000	10,421
Pre-tax net operating income	$659,000	7,331
Securities gains (losses)	$0	8,369
Applicable income taxes	$260,000	6,508
Income before extraordinary items	$399,000	8,235
Extraordinary gains, net	$0	1,422
Net income	$399,000	8,362
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	12,654
Cash dividends	$85,000	6,917
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$399,000	7,873

* 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.