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Elkhorn Valley Bank & Trust, Income and Expense

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2025-06-30 (YTD Data)		Rank
Total interest income	$37,268,000	761
Total interest expense	$17,646,000	622
Net interest income	$19,622,000	896
Provision for loan and lease losses	$875,000	726
Total noninterest income	$2,327,000	1,215
Gross Fiduciary activities income	$254,000	603
Service charges on deposit accounts	$482,000	1,040
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,591,000	1,154
Total noninterest expense	$11,647,000	1,131
Salaries and employee benefits	$6,600,000	1,137
Premises and equipment expense	$1,146,000	1,119
Additional noninterest expense	$1,591,000	1,171
Pre-tax net operating income	$9,427,000	783
Securities gains (losses)	$-398,000	4,310
Applicable income taxes	$1,563,000	789
Income before extraordinary items	$7,466,000	808
Extraordinary gains, net	$0	20
Net income	$7,466,000	817
Minority interest net income	$0	69
Net income of bank and minority interests.	$7,466,000	808
Net charge-offs	$587,000	630
Cash dividends	$200,000	2,521
Sale, conversion, retirement of capital stock, net	$0	478
Net operating income	$7,796,340	791
2025-03-31 (YTD Data)		Rank
Total interest income	$18,608,000	754
Total interest expense	$8,906,000	627
Net interest income	$9,702,000	891
Provision for loan and lease losses	$438,000	648
Total noninterest income	$1,118,000	1,220
Gross Fiduciary activities income	$178,000	607
Service charges on deposit accounts	$225,000	1,094
Trading account gains and fees	NA	NA
Additional Noninterest Income	$715,000	1,209
Total noninterest expense	$5,768,000	1,144
Salaries and employee benefits	$3,156,000	1,185
Premises and equipment expense	$606,000	1,081
Additional noninterest expense	$715,000	1,209
Pre-tax net operating income	$4,614,000	759
Securities gains (losses)	$-398,000	4,390
Applicable income taxes	$680,000	830
Income before extraordinary items	$3,536,000	804
Extraordinary gains, net	$0	47
Net income	$3,536,000	816
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,536,000	804
Net charge-offs	$521,000	403
Cash dividends	$200,000	1,861
Sale, conversion, retirement of capital stock, net	$0	467
Net operating income	$3,870,320	750
2024-12-31 (YTD Data)		Rank
Total interest income	$68,490,000	810
Total interest expense	$37,179,000	633
Net interest income	$31,311,000	1,034
Provision for loan and lease losses	$2,765,000	509
Total noninterest income	$4,622,000	1,236
Gross Fiduciary activities income	$551,000	624
Service charges on deposit accounts	$955,000	1,061
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,116,000	1,173
Total noninterest expense	$20,947,000	1,198
Salaries and employee benefits	$12,374,000	1,167
Premises and equipment expense	$2,225,000	1,122
Additional noninterest expense	$3,116,000	1,173
Pre-tax net operating income	$12,221,000	991
Securities gains (losses)	$8,000	654
Applicable income taxes	$2,185,000	906
Income before extraordinary items	$10,044,000	1,017
Extraordinary gains, net	$0	53
Net income	$10,044,000	1,027
Minority interest net income	$0	90
Net income of bank and minority interests.	$10,044,000	1,017
Net charge-offs	$880,000	730
Cash dividends	$2,750,000	1,341
Sale, conversion, retirement of capital stock, net	$0	564
Net operating income	$10,037,440	1,026
2024-09-30 (YTD Data)		Rank
Total interest income	$50,264,000	811
Total interest expense	$27,606,000	638
Net interest income	$22,658,000	1,053
Provision for loan and lease losses	$2,015,000	489
Total noninterest income	$3,642,000	1,199
Gross Fiduciary activities income	$432,000	624
Service charges on deposit accounts	$724,000	1,045
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,486,000	1,138
Total noninterest expense	$15,593,000	1,188
Salaries and employee benefits	$9,212,000	1,163
Premises and equipment expense	$1,889,000	1,010
Additional noninterest expense	$2,486,000	1,138
Pre-tax net operating income	$8,692,000	1,025
Securities gains (losses)	$-108,000	4,185
Applicable income taxes	$1,500,000	950
Income before extraordinary items	$7,084,000	1,053
Extraordinary gains, net	$0	51
Net income	$7,084,000	1,068
Minority interest net income	$0	82
Net income of bank and minority interests.	$7,084,000	1,055
Net charge-offs	$767,000	617
Cash dividends	$2,750,000	968
Sale, conversion, retirement of capital stock, net	$0	527
Net operating income	$7,173,640	1,045
2024-06-30 (YTD Data)		Rank
Total interest income	$32,447,000	826
Total interest expense	$17,774,000	653
Net interest income	$14,673,000	1,075
Provision for loan and lease losses	$710,000	672
Total noninterest income	$2,489,000	1,182
Gross Fiduciary activities income	$343,000	603
Service charges on deposit accounts	$465,000	1,062
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,681,000	1,121
Total noninterest expense	$10,534,000	1,184
Salaries and employee benefits	$6,184,000	1,158
Premises and equipment expense	$1,234,000	1,031
Additional noninterest expense	$1,681,000	1,121
Pre-tax net operating income	$5,918,000	998
Securities gains (losses)	$-134,000	4,275
Applicable income taxes	$1,009,000	947
Income before extraordinary items	$4,775,000	1,034
Extraordinary gains, net	$0	52
Net income	$4,775,000	1,049
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,775,000	1,036
Net charge-offs	$-50,000	4,312
Cash dividends	$2,500,000	772
Sale, conversion, retirement of capital stock, net	$0	496
Net operating income	$4,886,220	1,013
2024-03-31 (YTD Data)		Rank
Total interest income	$15,770,000	836
Total interest expense	$8,624,000	665
Net interest income	$7,146,000	1,096
Provision for loan and lease losses	$330,000	627
Total noninterest income	$1,230,000	1,172
Gross Fiduciary activities income	$90,000	639
Service charges on deposit accounts	$237,000	1,029
Trading account gains and fees	NA	NA
Additional Noninterest Income	$903,000	1,052
Total noninterest expense	$5,250,000	1,185
Salaries and employee benefits	$3,068,000	1,165
Premises and equipment expense	$681,000	968
Additional noninterest expense	$903,000	1,052
Pre-tax net operating income	$2,796,000	1,023
Securities gains (losses)	$-128,000	4,383
Applicable income taxes	$453,000	1,003
Income before extraordinary items	$2,215,000	1,086
Extraordinary gains, net	$0	51
Net income	$2,215,000	1,096
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,215,000	1,086
Net charge-offs	$-27,000	4,307
Cash dividends	$0	2,345
Sale, conversion, retirement of capital stock, net	$0	434
Net operating income	$2,321,240	1,046
2023-12-31 (YTD Data)		Rank
Total interest income	$49,369,000	946
Total interest expense	$24,042,000	694
Net interest income	$25,327,000	1,194
Provision for loan and lease losses	$1,375,000	691
Total noninterest income	$5,822,000	1,077
Gross Fiduciary activities income	$470,000	600
Service charges on deposit accounts	$716,000	1,300
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,636,000	931
Total noninterest expense	$21,299,000	1,154
Salaries and employee benefits	$12,005,000	1,161
Premises and equipment expense	$2,383,000	1,041
Additional noninterest expense	$4,636,000	931
Pre-tax net operating income	$8,475,000	1,331
Securities gains (losses)	$0	988
Applicable income taxes	$1,534,000	1,164
Income before extraordinary items	$6,941,000	1,352
Extraordinary gains, net	$0	54
Net income	$6,941,000	1,367
Minority interest net income	$0	88
Net income of bank and minority interests.	$6,941,000	1,354
Net charge-offs	$866,000	576
Cash dividends	$1,775,000	1,650
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$6,941,000	1,374
2023-09-30 (YTD Data)		Rank
Total interest income	$34,996,000	967
Total interest expense	$16,348,000	704
Net interest income	$18,648,000	1,214
Provision for loan and lease losses	$900,000	696
Total noninterest income	$4,643,000	1,045
Gross Fiduciary activities income	$256,000	628
Service charges on deposit accounts	$521,000	1,328
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,866,000	881
Total noninterest expense	$16,062,000	1,144
Salaries and employee benefits	$9,094,000	1,145
Premises and equipment expense	$1,748,000	1,063
Additional noninterest expense	$3,866,000	881
Pre-tax net operating income	$6,329,000	1,383
Securities gains (losses)	$0	849
Applicable income taxes	$1,248,000	1,121
Income before extraordinary items	$5,081,000	1,432
Extraordinary gains, net	$0	52
Net income	$5,081,000	1,442
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,081,000	1,431
Net charge-offs	$51,000	1,471
Cash dividends	$1,200,000	1,539
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$5,081,000	1,450
2023-06-30 (YTD Data)		Rank
Total interest income	$22,153,000	975
Total interest expense	$9,724,000	699
Net interest income	$12,429,000	1,221
Provision for loan and lease losses	$450,000	825
Total noninterest income	$3,569,000	901
Gross Fiduciary activities income	$181,000	619
Service charges on deposit accounts	$315,000	1,412
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,073,000	733
Total noninterest expense	$11,170,000	1,090
Salaries and employee benefits	$6,150,000	1,124
Premises and equipment expense	$1,194,000	1,033
Additional noninterest expense	$3,073,000	733
Pre-tax net operating income	$4,378,000	1,322
Securities gains (losses)	$0	938
Applicable income taxes	$870,000	1,101
Income before extraordinary items	$3,508,000	1,383
Extraordinary gains, net	$0	51
Net income	$3,508,000	1,399
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,508,000	1,383
Net charge-offs	$50,000	1,171
Cash dividends	$1,000,000	1,361
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$3,508,000	1,394
2023-03-31 (YTD Data)		Rank
Total interest income	$10,382,000	1,025
Total interest expense	$4,331,000	688
Net interest income	$6,051,000	1,251
Provision for loan and lease losses	$0	2,612
Total noninterest income	$1,137,000	1,215
Gross Fiduciary activities income	$63,000	675
Service charges on deposit accounts	$146,000	1,495
Trading account gains and fees	NA	NA
Additional Noninterest Income	$928,000	1,024
Total noninterest expense	$5,041,000	1,200
Salaries and employee benefits	$3,027,000	1,165
Premises and equipment expense	$624,000	1,030
Additional noninterest expense	$928,000	1,024
Pre-tax net operating income	$2,147,000	1,395
Securities gains (losses)	$0	950
Applicable income taxes	$437,000	1,118
Income before extraordinary items	$1,710,000	1,450
Extraordinary gains, net	$0	4
Net income	$1,710,000	1,450
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,710,000	1,450
Net charge-offs	$67,000	703
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,710,000	1,461
2022-12-31 (YTD Data)		Rank
Total interest income	$32,258,000	1,073
Total interest expense	$5,734,000	717
Net interest income	$26,524,000	1,139
Provision for loan and lease losses	$1,218,000	713
Total noninterest income	$5,098,000	1,189
Gross Fiduciary activities income	$475,000	622
Service charges on deposit accounts	$700,000	1,344
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,923,000	1,064
Total noninterest expense	$18,559,000	1,261
Salaries and employee benefits	$11,036,000	1,231
Premises and equipment expense	$2,357,000	1,053
Additional noninterest expense	$3,923,000	1,064
Pre-tax net operating income	$11,845,000	1,126
Securities gains (losses)	$-86,000	3,859
Applicable income taxes	$2,384,000	960
Income before extraordinary items	$9,375,000	1,152
Extraordinary gains, net	$0	5
Net income	$9,375,000	1,151
Minority interest net income	$0	63
Net income of bank and minority interests.	$9,375,000	1,152
Net charge-offs	$420,000	656
Cash dividends	$5,300,000	744
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$9,443,800	1,165
2022-09-30 (YTD Data)		Rank
Total interest income	$22,884,000	1,082
Total interest expense	$2,633,000	809
Net interest income	$20,251,000	1,115
Provision for loan and lease losses	$678,000	800
Total noninterest income	$3,732,000	1,219
Gross Fiduciary activities income	$373,000	613
Service charges on deposit accounts	$533,000	1,339
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,826,000	1,109
Total noninterest expense	$13,651,000	1,271
Salaries and employee benefits	$8,194,000	1,230
Premises and equipment expense	$1,756,000	1,055
Additional noninterest expense	$2,826,000	1,109
Pre-tax net operating income	$9,654,000	1,063
Securities gains (losses)	$5,000	540
Applicable income taxes	$1,956,000	903
Income before extraordinary items	$7,703,000	1,076
Extraordinary gains, net	$0	4
Net income	$7,703,000	1,075
Minority interest net income	$0	57
Net income of bank and minority interests.	$7,703,000	1,076
Net charge-offs	$-45,000	4,046
Cash dividends	$2,500,000	959
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$7,699,000	1,101
2022-06-30 (YTD Data)		Rank
Total interest income	$14,462,000	1,096
Total interest expense	$1,173,000	991
Net interest income	$13,289,000	1,101
Provision for loan and lease losses	$348,000	858
Total noninterest income	$2,424,000	1,225
Gross Fiduciary activities income	$249,000	579
Service charges on deposit accounts	$346,000	1,347
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,829,000	1,159
Total noninterest expense	$9,218,000	1,250
Salaries and employee benefits	$5,630,000	1,197
Premises and equipment expense	$1,139,000	1,068
Additional noninterest expense	$2,449,000	1,369
Pre-tax net operating income	$6,147,000	1,042
Securities gains (losses)	$5,000	481
Applicable income taxes	$1,262,000	874
Income before extraordinary items	$4,890,000	1,059
Extraordinary gains, net	$0	4
Net income	$4,890,000	1,057
Minority interest net income	$0	60
Net income of bank and minority interests.	$4,890,000	1,059
Net charge-offs	$-50,000	4,189
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$4,886,050	1,085
2022-03-31 (YTD Data)		Rank
Total interest income	$7,021,000	1,094
Total interest expense	$524,000	1,047
Net interest income	$6,497,000	1,089
Provision for loan and lease losses	$174,000	713
Total noninterest income	$1,037,000	1,337
Gross Fiduciary activities income	$71,000	637
Service charges on deposit accounts	$172,000	1,331
Trading account gains and fees	NA	NA
Additional Noninterest Income	$794,000	1,254
Total noninterest expense	$4,657,000	1,233
Salaries and employee benefits	$2,884,000	1,171
Premises and equipment expense	$576,000	1,067
Additional noninterest expense	$1,197,000	1,378
Pre-tax net operating income	$2,703,000	1,086
Securities gains (losses)	$5,000	455
Applicable income taxes	$542,000	931
Income before extraordinary items	$2,166,000	1,136
Extraordinary gains, net	$0	4
Net income	$2,166,000	1,135
Minority interest net income	$0	50
Net income of bank and minority interests.	$2,166,000	1,136
Net charge-offs	$0	1,838
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$2,162,000	1,147
2021-12-31 (YTD Data)		Rank
Total interest income	$30,798,000	1,032
Total interest expense	$3,749,000	721
Net interest income	$27,049,000	1,061
Provision for loan and lease losses	$120,000	2,036
Total noninterest income	$5,023,000	1,307
Gross Fiduciary activities income	$407,000	599
Service charges on deposit accounts	$614,000	1,390
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,002,000	1,251
Total noninterest expense	$17,995,000	1,258
Salaries and employee benefits	$10,281,000	1,274
Premises and equipment expense	$1,967,000	1,228
Additional noninterest expense	$5,747,000	1,177
Pre-tax net operating income	$13,957,000	987
Securities gains (losses)	$187,000	635
Applicable income taxes	$2,732,000	906
Income before extraordinary items	$11,412,000	1,034
Extraordinary gains, net	$0	10
Net income	$11,412,000	1,035
Minority interest net income	$0	74
Net income of bank and minority interests.	$11,412,000	1,035
Net charge-offs	$96,000	1,362
Cash dividends	$6,400,000	648
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$11,260,530	1,030
2021-09-30 (YTD Data)		Rank
Total interest income	$23,414,000	1,038
Total interest expense	$3,133,000	682
Net interest income	$20,281,000	1,084
Provision for loan and lease losses	$60,000	2,261
Total noninterest income	$3,624,000	1,366
Gross Fiduciary activities income	$257,000	617
Service charges on deposit accounts	$446,000	1,409
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,921,000	1,316
Total noninterest expense	$12,849,000	1,319
Salaries and employee benefits	$7,645,000	1,288
Premises and equipment expense	$1,492,000	1,238
Additional noninterest expense	$3,712,000	1,336
Pre-tax net operating income	$10,996,000	985
Securities gains (losses)	$152,000	655
Applicable income taxes	$2,114,000	938
Income before extraordinary items	$9,034,000	1,036
Extraordinary gains, net	$0	8
Net income	$9,034,000	1,037
Minority interest net income	$0	69
Net income of bank and minority interests.	$9,034,000	1,037
Net charge-offs	$84,000	1,147
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$8,910,880	1,026
2021-06-30 (YTD Data)		Rank
Total interest income	$14,829,000	1,074
Total interest expense	$2,354,000	630
Net interest income	$12,475,000	1,145
Provision for loan and lease losses	$0	2,862
Total noninterest income	$2,434,000	1,361
Gross Fiduciary activities income	$180,000	613
Service charges on deposit accounts	$277,000	1,433
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,977,000	1,305
Total noninterest expense	$8,341,000	1,340
Salaries and employee benefits	$5,019,000	1,296
Premises and equipment expense	$839,000	1,416
Additional noninterest expense	$2,483,000	1,320
Pre-tax net operating income	$6,568,000	1,068
Securities gains (losses)	$106,000	653
Applicable income taxes	$1,238,000	1,001
Income before extraordinary items	$5,436,000	1,109
Extraordinary gains, net	$0	6
Net income	$5,436,000	1,110
Minority interest net income	$0	67
Net income of bank and minority interests.	$5,436,000	1,110
Net charge-offs	$-37,000	4,270
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$5,350,140	1,108
2021-03-31 (YTD Data)		Rank
Total interest income	$7,051,000	1,127
Total interest expense	$1,293,000	601
Net interest income	$5,758,000	1,221
Provision for loan and lease losses	$0	2,741
Total noninterest income	$1,299,000	1,296
Gross Fiduciary activities income	$83,000	623
Service charges on deposit accounts	$140,000	1,414
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,076,000	1,215
Total noninterest expense	$3,953,000	1,384
Salaries and employee benefits	$2,432,000	1,318
Premises and equipment expense	$357,000	1,619
Additional noninterest expense	$1,164,000	1,363
Pre-tax net operating income	$3,104,000	1,115
Securities gains (losses)	$23,000	849
Applicable income taxes	$572,000	1,048
Income before extraordinary items	$2,555,000	1,183
Extraordinary gains, net	$0	3
Net income	$2,555,000	1,183
Minority interest net income	$0	55
Net income of bank and minority interests.	$2,555,000	1,183
Net charge-offs	$-36,000	4,511
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$2,536,140	1,152
2020-12-31 (YTD Data)		Rank
Total interest income	$31,295,000	1,014
Total interest expense	$6,760,000	703
Net interest income	$24,535,000	1,091
Provision for loan and lease losses	$2,810,000	837
Total noninterest income	$5,124,000	1,253
Gross Fiduciary activities income	$400,000	599
Service charges on deposit accounts	$632,000	1,352
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,092,000	1,184
Total noninterest expense	$14,853,000	1,420
Salaries and employee benefits	$9,223,000	1,337
Premises and equipment expense	$1,243,000	1,762
Additional noninterest expense	$4,387,000	1,427
Pre-tax net operating income	$11,996,000	911
Securities gains (losses)	$152,000	1,169
Applicable income taxes	$2,059,000	926
Income before extraordinary items	$10,089,000	955
Extraordinary gains, net	$0	4
Net income	$10,089,000	955
Minority interest net income	$0	72
Net income of bank and minority interests.	$10,089,000	955
Net charge-offs	$941,000	676
Cash dividends	$3,000,000	1,116
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$9,962,840	924
2020-09-30 (YTD Data)		Rank
Total interest income	$23,543,000	1,011
Total interest expense	$5,332,000	721
Net interest income	$18,211,000	1,087
Provision for loan and lease losses	$2,640,000	755
Total noninterest income	$3,619,000	1,267
Gross Fiduciary activities income	$266,000	611
Service charges on deposit accounts	$467,000	1,354
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,886,000	1,194
Total noninterest expense	$11,172,000	1,398
Salaries and employee benefits	$7,013,000	1,310
Premises and equipment expense	$931,000	1,761
Additional noninterest expense	$3,228,000	1,427
Pre-tax net operating income	$8,018,000	973
Securities gains (losses)	$131,000	1,097
Applicable income taxes	$1,347,000	964
Income before extraordinary items	$6,802,000	994
Extraordinary gains, net	$0	4
Net income	$6,802,000	994
Minority interest net income	$0	65
Net income of bank and minority interests.	$6,802,000	994
Net charge-offs	$794,000	572
Cash dividends	$1,000,000	1,694
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$6,693,270	981
2020-06-30 (YTD Data)		Rank
Total interest income	$15,762,000	1,024
Total interest expense	$3,751,000	750
Net interest income	$12,011,000	1,098
Provision for loan and lease losses	$2,085,000	702
Total noninterest income	$2,303,000	1,245
Gross Fiduciary activities income	$198,000	601
Service charges on deposit accounts	$309,000	1,379
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,796,000	1,171
Total noninterest expense	$7,370,000	1,409
Salaries and employee benefits	$4,678,000	1,303
Premises and equipment expense	$608,000	1,775
Additional noninterest expense	$2,084,000	1,454
Pre-tax net operating income	$4,859,000	976
Securities gains (losses)	$76,000	1,104
Applicable income taxes	$786,000	996
Income before extraordinary items	$4,149,000	1,010
Extraordinary gains, net	$0	4
Net income	$4,149,000	1,009
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,149,000	1,010
Net charge-offs	$760,000	461
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$4,085,160	999
2020-03-31 (YTD Data)		Rank
Total interest income	$8,006,000	1,018
Total interest expense	$2,134,000	744
Net interest income	$5,872,000	1,095
Provision for loan and lease losses	$1,830,000	428
Total noninterest income	$1,077,000	1,224
Gross Fiduciary activities income	$96,000	605
Service charges on deposit accounts	$189,000	1,351
Trading account gains and fees	NA	NA
Additional Noninterest Income	$792,000	1,140
Total noninterest expense	$3,766,000	1,396
Salaries and employee benefits	$2,428,000	1,266
Premises and equipment expense	$307,000	1,793
Additional noninterest expense	$1,031,000	1,478
Pre-tax net operating income	$1,353,000	1,432
Securities gains (losses)	$14,000	1,229
Applicable income taxes	$156,000	1,602
Income before extraordinary items	$1,211,000	1,417
Extraordinary gains, net	$0	4
Net income	$1,211,000	1,415
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,211,000	1,417
Net charge-offs	$315,000	482
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,198,540	1,407
2019-12-31 (YTD Data)		Rank
Total interest income	$31,219,000	1,051
Total interest expense	$9,521,000	707
Net interest income	$21,698,000	1,172
Provision for loan and lease losses	$2,715,000	408
Total noninterest income	$4,034,000	1,307
Gross Fiduciary activities income	$368,000	613
Service charges on deposit accounts	$816,000	1,318
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,850,000	1,240
Total noninterest expense	$13,595,000	1,477
Salaries and employee benefits	$8,292,000	1,415
Premises and equipment expense	$1,086,000	1,925
Additional noninterest expense	$4,217,000	1,444
Pre-tax net operating income	$9,422,000	1,095
Securities gains (losses)	$85,000	1,018
Applicable income taxes	$1,276,000	1,226
Income before extraordinary items	$8,231,000	1,091
Extraordinary gains, net	$0	11
Net income	$8,231,000	1,093
Minority interest net income	$0	76
Net income of bank and minority interests.	$8,231,000	1,093
Net charge-offs	$1,814,000	448
Cash dividends	$3,000,000	1,180
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$8,157,050	1,076
2019-09-30 (YTD Data)		Rank
Total interest income	$23,123,000	1,065
Total interest expense	$7,199,000	715
Net interest income	$15,924,000	1,208
Provision for loan and lease losses	$1,860,000	435
Total noninterest income	$2,743,000	1,393
Gross Fiduciary activities income	$251,000	627
Service charges on deposit accounts	$607,000	1,336
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,885,000	1,330
Total noninterest expense	$10,009,000	1,501
Salaries and employee benefits	$6,314,000	1,408
Premises and equipment expense	$816,000	1,932
Additional noninterest expense	$2,879,000	1,554
Pre-tax net operating income	$6,798,000	1,156
Securities gains (losses)	$65,000	970
Applicable income taxes	$940,000	1,281
Income before extraordinary items	$5,923,000	1,149
Extraordinary gains, net	$0	11
Net income	$5,923,000	1,150
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,923,000	1,150
Net charge-offs	$1,544,000	363
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$5,867,100	1,135
2019-06-30 (YTD Data)		Rank
Total interest income	$15,126,000	1,080
Total interest expense	$4,767,000	709
Net interest income	$10,359,000	1,230
Provision for loan and lease losses	$1,340,000	386
Total noninterest income	$1,754,000	1,407
Gross Fiduciary activities income	$171,000	627
Service charges on deposit accounts	$401,000	1,317
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,182,000	1,347
Total noninterest expense	$6,611,000	1,515
Salaries and employee benefits	$4,131,000	1,419
Premises and equipment expense	$520,000	2,008
Additional noninterest expense	$1,960,000	1,533
Pre-tax net operating income	$4,162,000	1,195
Securities gains (losses)	$15,000	1,113
Applicable income taxes	$538,000	1,391
Income before extraordinary items	$3,639,000	1,198
Extraordinary gains, net	$0	11
Net income	$3,639,000	1,198
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,639,000	1,198
Net charge-offs	$916,000	361
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$3,625,950	1,176
2019-03-31 (YTD Data)		Rank
Total interest income	$7,336,000	1,098
Total interest expense	$2,343,000	704
Net interest income	$4,993,000	1,269
Provision for loan and lease losses	$670,000	381
Total noninterest income	$847,000	1,383
Gross Fiduciary activities income	$77,000	653
Service charges on deposit accounts	$196,000	1,338
Trading account gains and fees	NA	NA
Additional Noninterest Income	$574,000	1,320
Total noninterest expense	$3,229,000	1,558
Salaries and employee benefits	$2,025,000	1,442
Premises and equipment expense	$265,000	2,000
Additional noninterest expense	$939,000	1,592
Pre-tax net operating income	$1,941,000	1,237
Securities gains (losses)	$3,000	920
Applicable income taxes	$233,000	1,459
Income before extraordinary items	$1,711,000	1,235
Extraordinary gains, net	$0	5
Net income	$1,711,000	1,234
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,711,000	1,234
Net charge-offs	$884,000	232
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,708,360	1,213
2018-12-31 (YTD Data)		Rank
Total interest income	$27,815,000	1,074
Total interest expense	$8,174,000	626
Net interest income	$19,641,000	1,265
Provision for loan and lease losses	$900,000	959
Total noninterest income	$3,502,000	1,388
Gross Fiduciary activities income	$387,000	628
Service charges on deposit accounts	$750,000	1,451
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,365,000	1,338
Total noninterest expense	$13,143,000	1,497
Salaries and employee benefits	$7,964,000	1,429
Premises and equipment expense	$1,024,000	2,014
Additional noninterest expense	$4,155,000	1,460
Pre-tax net operating income	$9,100,000	1,118
Securities gains (losses)	$-7,000	4,318
Applicable income taxes	$1,139,000	1,274
Income before extraordinary items	$7,954,000	1,095
Extraordinary gains, net	$0	6
Net income	$7,954,000	1,094
Minority interest net income	$0	72
Net income of bank and minority interests.	$7,954,000	1,094
Net charge-offs	$953,000	610
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$7,960,090	1,091
2018-09-30 (YTD Data)		Rank
Total interest income	$20,514,000	1,077
Total interest expense	$6,016,000	594
Net interest income	$14,498,000	1,276
Provision for loan and lease losses	$400,000	1,318
Total noninterest income	$2,480,000	1,457
Gross Fiduciary activities income	$271,000	630
Service charges on deposit accounts	$554,000	1,473
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,655,000	1,428
Total noninterest expense	$9,826,000	1,505
Salaries and employee benefits	$5,947,000	1,431
Premises and equipment expense	$751,000	2,050
Additional noninterest expense	$3,128,000	1,459
Pre-tax net operating income	$6,752,000	1,128
Securities gains (losses)	$0	1,118
Applicable income taxes	$828,000	1,345
Income before extraordinary items	$5,924,000	1,102
Extraordinary gains, net	$0	5
Net income	$5,924,000	1,101
Minority interest net income	$0	66
Net income of bank and minority interests.	$5,924,000	1,101
Net charge-offs	$761,000	536
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$5,924,000	1,094
2018-06-30 (YTD Data)		Rank
Total interest income	$13,434,000	1,087
Total interest expense	$3,888,000	570
Net interest income	$9,546,000	1,288
Provision for loan and lease losses	$0	3,782
Total noninterest income	$1,619,000	1,482
Gross Fiduciary activities income	$178,000	635
Service charges on deposit accounts	$361,000	1,497
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,080,000	1,450
Total noninterest expense	$6,653,000	1,492
Salaries and employee benefits	$4,002,000	1,427
Premises and equipment expense	$493,000	2,097
Additional noninterest expense	$2,158,000	1,417
Pre-tax net operating income	$4,512,000	1,111
Securities gains (losses)	$0	961
Applicable income taxes	$544,000	1,337
Income before extraordinary items	$3,968,000	1,084
Extraordinary gains, net	$0	6
Net income	$3,968,000	1,083
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,968,000	1,083
Net charge-offs	$533,000	500
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$3,968,000	1,080
2018-03-31 (YTD Data)		Rank
Total interest income	$6,538,000	1,111
Total interest expense	$1,854,000	565
Net interest income	$4,684,000	1,302
Provision for loan and lease losses	$0	3,508
Total noninterest income	$786,000	1,500
Gross Fiduciary activities income	$67,000	680
Service charges on deposit accounts	$183,000	1,489
Trading account gains and fees	NA	NA
Additional Noninterest Income	$536,000	1,426
Total noninterest expense	$3,518,000	1,450
Salaries and employee benefits	$1,979,000	1,447
Premises and equipment expense	$248,000	2,122
Additional noninterest expense	$1,291,000	1,203
Pre-tax net operating income	$1,952,000	1,212
Securities gains (losses)	$0	735
Applicable income taxes	$208,000	1,546
Income before extraordinary items	$1,744,000	1,165
Extraordinary gains, net	$0	7
Net income	$1,744,000	1,164
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,744,000	1,165
Net charge-offs	$136,000	721
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,744,000	1,156
2017-12-31 (YTD Data)		Rank
Total interest income	$26,499,000	1,059
Total interest expense	$5,942,000	585
Net interest income	$20,557,000	1,182
Provision for loan and lease losses	$300,000	1,956
Total noninterest income	$3,484,000	1,418
Gross Fiduciary activities income	$346,000	645
Service charges on deposit accounts	$842,000	1,365
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,296,000	1,404
Total noninterest expense	$13,535,000	1,480
Salaries and employee benefits	$8,141,000	1,389
Premises and equipment expense	$1,039,000	2,047
Additional noninterest expense	$4,355,000	1,408
Pre-tax net operating income	$10,206,000	970
Securities gains (losses)	$293,000	309
Applicable income taxes	$2,444,000	1,130
Income before extraordinary items	$8,055,000	901
Extraordinary gains, net	$0	9
Net income	$8,055,000	901
Minority interest net income	$0	76
Net income of bank and minority interests.	$8,055,000	901
Net charge-offs	$-967,000	5,620
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$7,829,390	911
2017-09-30 (YTD Data)		Rank
Total interest income	$19,545,000	1,073
Total interest expense	$4,362,000	589
Net interest income	$15,183,000	1,199
Provision for loan and lease losses	$300,000	1,614
Total noninterest income	$2,478,000	1,486
Gross Fiduciary activities income	$227,000	663
Service charges on deposit accounts	$624,000	1,380
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,627,000	1,470
Total noninterest expense	$9,693,000	1,536
Salaries and employee benefits	$6,030,000	1,408
Premises and equipment expense	$776,000	2,058
Additional noninterest expense	$2,887,000	1,562
Pre-tax net operating income	$7,668,000	992
Securities gains (losses)	$293,000	293
Applicable income taxes	$1,574,000	1,077
Income before extraordinary items	$6,387,000	929
Extraordinary gains, net	$0	9
Net income	$6,387,000	929
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,387,000	929
Net charge-offs	$-1,064,000	5,695
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$6,152,600	946
2017-06-30 (YTD Data)		Rank
Total interest income	$12,500,000	1,112
Total interest expense	$2,910,000	569
Net interest income	$9,590,000	1,261
Provision for loan and lease losses	$300,000	1,177
Total noninterest income	$1,615,000	1,512
Gross Fiduciary activities income	$164,000	659
Service charges on deposit accounts	$405,000	1,399
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,046,000	1,502
Total noninterest expense	$6,696,000	1,504
Salaries and employee benefits	$4,118,000	1,378
Premises and equipment expense	$510,000	2,087
Additional noninterest expense	$2,068,000	1,473
Pre-tax net operating income	$4,209,000	1,143
Securities gains (losses)	$138,000	350
Applicable income taxes	$761,000	1,313
Income before extraordinary items	$3,586,000	1,082
Extraordinary gains, net	$0	11
Net income	$3,586,000	1,082
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,586,000	1,082
Net charge-offs	$258,000	912
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$3,472,840	1,093
2017-03-31 (YTD Data)		Rank
Total interest income	$6,006,000	1,143
Total interest expense	$1,448,000	550
Net interest income	$4,558,000	1,302
Provision for loan and lease losses	$300,000	670
Total noninterest income	$769,000	1,564
Gross Fiduciary activities income	$63,000	702
Service charges on deposit accounts	$191,000	1,468
Trading account gains and fees	NA	NA
Additional Noninterest Income	$515,000	1,502
Total noninterest expense	$3,200,000	1,556
Salaries and employee benefits	$2,141,000	1,338
Premises and equipment expense	$278,000	1,989
Additional noninterest expense	$781,000	1,877
Pre-tax net operating income	$1,827,000	1,268
Securities gains (losses)	$36,000	401
Applicable income taxes	$277,000	1,557
Income before extraordinary items	$1,586,000	1,174
Extraordinary gains, net	$0	8
Net income	$1,586,000	1,173
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,586,000	1,174
Net charge-offs	$41,000	1,447
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,555,400	1,165
2016-12-31 (YTD Data)		Rank
Total interest income	$23,803,000	1,111
Total interest expense	$5,863,000	509
Net interest income	$17,940,000	1,291
Provision for loan and lease losses	$2,475,000	443
Total noninterest income	$3,416,000	1,507
Gross Fiduciary activities income	$378,000	648
Service charges on deposit accounts	$862,000	1,367
Trading account gains and fees	$0	170
Additional Noninterest Income	$2,176,000	1,509
Total noninterest expense	$11,778,000	1,647
Salaries and employee benefits	$7,442,000	1,467
Premises and equipment expense	$1,066,000	2,038
Additional noninterest expense	$3,270,000	1,826
Pre-tax net operating income	$7,103,000	1,230
Securities gains (losses)	$115,000	1,249
Applicable income taxes	$945,000	1,705
Income before extraordinary items	$6,273,000	1,151
Extraordinary gains, net	$0	5
Net income	$6,273,000	1,150
Minority interest net income	$0	82
Net income of bank and minority interests.	$6,273,000	1,150
Net charge-offs	$2,212,000	362
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$6,172,950	1,137
2016-09-30 (YTD Data)		Rank
Total interest income	$17,900,000	1,110
Total interest expense	$4,432,000	502
Net interest income	$13,468,000	1,299
Provision for loan and lease losses	$100,000	2,703
Total noninterest income	$2,470,000	1,532
Gross Fiduciary activities income	$272,000	645
Service charges on deposit accounts	$653,000	1,356
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,545,000	1,563
Total noninterest expense	$8,466,000	1,710
Salaries and employee benefits	$5,448,000	1,495
Premises and equipment expense	$792,000	2,062
Additional noninterest expense	$2,226,000	1,991
Pre-tax net operating income	$7,372,000	953
Securities gains (losses)	$165,000	912
Applicable income taxes	$1,519,000	1,063
Income before extraordinary items	$6,018,000	928
Extraordinary gains, net	$0	5
Net income	$6,018,000	927
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,018,000	928
Net charge-offs	$-26,000	5,159
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$5,886,000	925
2016-06-30 (YTD Data)		Rank
Total interest income	$11,879,000	1,117
Total interest expense	$2,980,000	497
Net interest income	$8,899,000	1,312
Provision for loan and lease losses	$100,000	2,280
Total noninterest income	$1,562,000	1,575
Gross Fiduciary activities income	$201,000	643
Service charges on deposit accounts	$420,000	1,375
Trading account gains and fees	$0	157
Additional Noninterest Income	$941,000	1,625
Total noninterest expense	$5,719,000	1,688
Salaries and employee benefits	$3,709,000	1,472
Premises and equipment expense	$521,000	2,086
Additional noninterest expense	$1,489,000	1,980
Pre-tax net operating income	$4,642,000	983
Securities gains (losses)	$107,000	920
Applicable income taxes	$924,000	1,141
Income before extraordinary items	$3,825,000	959
Extraordinary gains, net	$0	16
Net income	$3,825,000	958
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,825,000	958
Net charge-offs	$-18,000	5,164
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$3,738,330	955
2016-03-31 (YTD Data)		Rank
Total interest income	$5,835,000	1,134
Total interest expense	$1,472,000	500
Net interest income	$4,363,000	1,325
Provision for loan and lease losses	$100,000	1,495
Total noninterest income	$754,000	1,583
Gross Fiduciary activities income	$71,000	695
Service charges on deposit accounts	$208,000	1,391
Trading account gains and fees	$0	142
Additional Noninterest Income	$475,000	1,563
Total noninterest expense	$2,867,000	1,688
Salaries and employee benefits	$1,885,000	1,452
Premises and equipment expense	$267,000	2,063
Additional noninterest expense	$715,000	2,044
Pre-tax net operating income	$2,150,000	1,022
Securities gains (losses)	$81,000	621
Applicable income taxes	$424,000	1,191
Income before extraordinary items	$1,807,000	997
Extraordinary gains, net	$0	12
Net income	$1,807,000	998
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,807,000	998
Net charge-offs	$-9,000	5,132
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,741,390	1,005
2015-12-31 (YTD Data)		Rank
Total interest income	$23,584,000	1,092
Total interest expense	$5,507,000	500
Net interest income	$18,077,000	1,259
Provision for loan and lease losses	$600,000	1,174
Total noninterest income	$3,183,000	1,545
Gross Fiduciary activities income	$377,000	649
Service charges on deposit accounts	$841,000	1,415
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,965,000	1,540
Total noninterest expense	$11,167,000	1,701
Salaries and employee benefits	$7,007,000	1,517
Premises and equipment expense	$1,114,000	2,006
Additional noninterest expense	$3,046,000	1,981
Pre-tax net operating income	$9,493,000	926
Securities gains (losses)	$117,000	1,078
Applicable income taxes	$1,912,000	1,039
Income before extraordinary items	$7,698,000	923
Extraordinary gains, net	$0	23
Net income	$7,698,000	923
Minority interest net income	$0	81
Net income of bank and minority interests.	$7,698,000	923
Net charge-offs	$235,000	1,837
Cash dividends	$5,000,000	661
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$7,604,400	921
2015-09-30 (YTD Data)		Rank
Total interest income	$17,619,000	1,098
Total interest expense	$4,132,000	506
Net interest income	$13,487,000	1,271
Provision for loan and lease losses	$500,000	1,034
Total noninterest income	$2,200,000	1,642
Gross Fiduciary activities income	$241,000	678
Service charges on deposit accounts	$611,000	1,467
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,348,000	1,667
Total noninterest expense	$8,361,000	1,710
Salaries and employee benefits	$5,184,000	1,540
Premises and equipment expense	$882,000	1,947
Additional noninterest expense	$2,295,000	1,961
Pre-tax net operating income	$6,826,000	982
Securities gains (losses)	$1,000	2,915
Applicable income taxes	$1,300,000	1,153
Income before extraordinary items	$5,527,000	966
Extraordinary gains, net	$0	21
Net income	$5,527,000	966
Minority interest net income	$0	78
Net income of bank and minority interests.	$5,527,000	966
Net charge-offs	$103,000	2,128
Cash dividends	$5,000,000	479
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$5,526,190	940
2015-06-30 (YTD Data)		Rank
Total interest income	$11,747,000	1,101
Total interest expense	$2,736,000	508
Net interest income	$9,011,000	1,270
Provision for loan and lease losses	$0	4,069
Total noninterest income	$1,387,000	1,702
Gross Fiduciary activities income	$156,000	692
Service charges on deposit accounts	$388,000	1,510
Trading account gains and fees	$0	157
Additional Noninterest Income	$843,000	1,746
Total noninterest expense	$5,686,000	1,696
Salaries and employee benefits	$3,475,000	1,541
Premises and equipment expense	$834,000	1,418
Additional noninterest expense	$1,377,000	2,147
Pre-tax net operating income	$4,712,000	949
Securities gains (losses)	$-3,000	5,992
Applicable income taxes	$916,000	1,089
Income before extraordinary items	$3,793,000	938
Extraordinary gains, net	$0	22
Net income	$3,793,000	938
Minority interest net income	$0	75
Net income of bank and minority interests.	$3,793,000	938
Net charge-offs	$-217,000	6,091
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$3,795,430	910
2015-03-31 (YTD Data)		Rank
Total interest income	$5,976,000	1,088
Total interest expense	$1,338,000	516
Net interest income	$4,638,000	1,218
Provision for loan and lease losses	$0	3,703
Total noninterest income	$545,000	1,998
Gross Fiduciary activities income	$75,000	697
Service charges on deposit accounts	$182,000	1,564
Trading account gains and fees	$0	152
Additional Noninterest Income	$288,000	2,179
Total noninterest expense	$2,774,000	1,729
Salaries and employee benefits	$1,674,000	1,600
Premises and equipment expense	$422,000	1,419
Additional noninterest expense	$678,000	2,157
Pre-tax net operating income	$2,409,000	902
Securities gains (losses)	$89,000	630
Applicable income taxes	$505,000	1,008
Income before extraordinary items	$1,993,000	874
Extraordinary gains, net	$0	13
Net income	$1,993,000	874
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,993,000	874
Net charge-offs	$-235,000	6,263
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,921,800	865
2014-12-31 (YTD Data)		Rank
Total interest income	$22,220,000	1,158
Total interest expense	$5,575,000	498
Net interest income	$16,645,000	1,342
Provision for loan and lease losses	$200,000	2,467
Total noninterest income	$2,394,000	1,857
Gross Fiduciary activities income	$347,000	678
Service charges on deposit accounts	$811,000	1,559
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,236,000	2,030
Total noninterest expense	$9,242,000	2,039
Salaries and employee benefits	$5,964,000	1,734
Premises and equipment expense	$1,109,000	2,060
Additional noninterest expense	$2,169,000	2,704
Pre-tax net operating income	$9,597,000	861
Securities gains (losses)	$29,000	2,098
Applicable income taxes	$1,896,000	1,021
Income before extraordinary items	$7,730,000	858
Extraordinary gains, net	$0	17
Net income	$7,730,000	857
Minority interest net income	$0	84
Net income of bank and minority interests.	$7,730,000	857
Net charge-offs	$435,000	1,623
Cash dividends	$2,500,000	1,074
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$7,706,800	838
2014-09-30 (YTD Data)		Rank
Total interest income	$16,449,000	1,179
Total interest expense	$4,213,000	497
Net interest income	$12,236,000	1,364
Provision for loan and lease losses	$200,000	2,067
Total noninterest income	$1,618,000	2,004
Gross Fiduciary activities income	$224,000	703
Service charges on deposit accounts	$607,000	1,571
Trading account gains and fees	$0	174
Additional Noninterest Income	$787,000	2,279
Total noninterest expense	$6,692,000	2,111
Salaries and employee benefits	$4,364,000	1,771
Premises and equipment expense	$802,000	2,145
Additional noninterest expense	$1,526,000	2,837
Pre-tax net operating income	$6,962,000	911
Securities gains (losses)	$6,000	2,508
Applicable income taxes	$1,348,000	1,068
Income before extraordinary items	$5,620,000	888
Extraordinary gains, net	$0	15
Net income	$5,620,000	887
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,620,000	887
Net charge-offs	$278,000	1,674
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$5,615,140	864
2014-06-30 (YTD Data)		Rank
Total interest income	$10,802,000	1,184
Total interest expense	$2,763,000	515
Net interest income	$8,039,000	1,380
Provision for loan and lease losses	$200,000	1,637
Total noninterest income	$1,074,000	1,995
Gross Fiduciary activities income	$144,000	713
Service charges on deposit accounts	$419,000	1,504
Trading account gains and fees	$0	172
Additional Noninterest Income	$511,000	2,281
Total noninterest expense	$4,462,000	2,117
Salaries and employee benefits	$2,920,000	1,767
Premises and equipment expense	$532,000	2,157
Additional noninterest expense	$1,010,000	2,857
Pre-tax net operating income	$4,451,000	921
Securities gains (losses)	$6,000	2,106
Applicable income taxes	$838,000	1,095
Income before extraordinary items	$3,619,000	895
Extraordinary gains, net	$0	20
Net income	$3,619,000	895
Minority interest net income	$0	80
Net income of bank and minority interests.	$3,619,000	895
Net charge-offs	$307,000	1,240
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$3,614,140	874
2014-03-31 (YTD Data)		Rank
Total interest income	$5,331,000	1,204
Total interest expense	$1,361,000	533
Net interest income	$3,970,000	1,397
Provision for loan and lease losses	$100,000	1,586
Total noninterest income	$518,000	1,983
Gross Fiduciary activities income	$68,000	726
Service charges on deposit accounts	$209,000	1,494
Trading account gains and fees	$0	147
Additional Noninterest Income	$241,000	2,294
Total noninterest expense	$2,163,000	2,186
Salaries and employee benefits	$1,435,000	1,810
Premises and equipment expense	$266,000	2,184
Additional noninterest expense	$462,000	3,073
Pre-tax net operating income	$2,225,000	889
Securities gains (losses)	$6,000	1,292
Applicable income taxes	$410,000	1,068
Income before extraordinary items	$1,821,000	867
Extraordinary gains, net	$0	16
Net income	$1,821,000	868
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,821,000	868
Net charge-offs	$-2,000	5,011
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,816,080	840
2013-12-31 (YTD Data)		Rank
Total interest income	$21,304,000	1,207
Total interest expense	$5,404,000	601
Net interest income	$15,900,000	1,364
Provision for loan and lease losses	$750,000	1,404
Total noninterest income	$2,584,000	1,815
Gross Fiduciary activities income	$385,000	655
Service charges on deposit accounts	$904,000	1,485
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,295,000	2,031
Total noninterest expense	$8,698,000	2,168
Salaries and employee benefits	$5,665,000	1,802
Premises and equipment expense	$1,059,000	2,140
Additional noninterest expense	$1,974,000	3,001
Pre-tax net operating income	$9,036,000	849
Securities gains (losses)	$-8,000	6,228
Applicable income taxes	$1,782,000	983
Income before extraordinary items	$7,246,000	862
Extraordinary gains, net	$0	29
Net income	$7,246,000	864
Minority interest net income	$0	90
Net income of bank and minority interests.	$7,246,000	864
Net charge-offs	$780,000	1,517
Cash dividends	$200,000	3,572
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$7,252,400	847
2013-09-30 (YTD Data)		Rank
Total interest income	$15,851,000	1,218
Total interest expense	$4,046,000	614
Net interest income	$11,805,000	1,375
Provision for loan and lease losses	$100,000	3,343
Total noninterest income	$1,870,000	1,883
Gross Fiduciary activities income	$230,000	699
Service charges on deposit accounts	$672,000	1,506
Trading account gains and fees	$0	180
Additional Noninterest Income	$968,000	2,091
Total noninterest expense	$6,446,000	2,193
Salaries and employee benefits	$4,193,000	1,831
Premises and equipment expense	$746,000	2,289
Additional noninterest expense	$1,507,000	2,971
Pre-tax net operating income	$7,129,000	831
Securities gains (losses)	$-8,000	6,480
Applicable income taxes	$1,473,000	944
Income before extraordinary items	$5,648,000	843
Extraordinary gains, net	$0	25
Net income	$5,648,000	844
Minority interest net income	$0	84
Net income of bank and minority interests.	$5,648,000	845
Net charge-offs	$261,000	2,262
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$5,654,320	824
2013-06-30 (YTD Data)		Rank
Total interest income	$10,308,000	1,235
Total interest expense	$2,657,000	653
Net interest income	$7,651,000	1,401
Provision for loan and lease losses	$100,000	2,924
Total noninterest income	$1,194,000	1,978
Gross Fiduciary activities income	$151,000	700
Service charges on deposit accounts	$426,000	1,536
Trading account gains and fees	$0	157
Additional Noninterest Income	$617,000	2,197
Total noninterest expense	$4,201,000	2,259
Salaries and employee benefits	$2,758,000	1,869
Premises and equipment expense	$490,000	2,320
Additional noninterest expense	$953,000	3,072
Pre-tax net operating income	$4,544,000	845
Securities gains (losses)	$-8,000	6,646
Applicable income taxes	$933,000	991
Income before extraordinary items	$3,603,000	866
Extraordinary gains, net	$0	22
Net income	$3,603,000	867
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,603,000	868
Net charge-offs	$243,000	1,899
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$3,609,320	836
2013-03-31 (YTD Data)		Rank
Total interest income	$5,068,000	1,260
Total interest expense	$1,300,000	710
Net interest income	$3,768,000	1,430
Provision for loan and lease losses	$100,000	2,044
Total noninterest income	$582,000	1,999
Gross Fiduciary activities income	$74,000	715
Service charges on deposit accounts	$207,000	1,580
Trading account gains and fees	$0	148
Additional Noninterest Income	$301,000	2,213
Total noninterest expense	$2,097,000	2,271
Salaries and employee benefits	$1,400,000	1,861
Premises and equipment expense	$241,000	2,378
Additional noninterest expense	$456,000	3,179
Pre-tax net operating income	$2,153,000	872
Securities gains (losses)	$-8,000	6,786
Applicable income taxes	$426,000	1,041
Income before extraordinary items	$1,719,000	893
Extraordinary gains, net	$0	10
Net income	$1,719,000	894
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,719,000	895
Net charge-offs	$159,000	1,539
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$1,725,400	844
2012-12-31 (YTD Data)		Rank
Total interest income	$21,963,000	1,210
Total interest expense	$5,680,000	787
Net interest income	$16,283,000	1,343
Provision for loan and lease losses	$350,000	3,164
Total noninterest income	$2,595,000	1,823
Gross Fiduciary activities income	$384,000	657
Service charges on deposit accounts	$905,000	1,537
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,306,000	2,017
Total noninterest expense	$8,317,000	2,261
Salaries and employee benefits	$5,398,000	1,870
Premises and equipment expense	$991,000	2,294
Additional noninterest expense	$1,928,000	3,178
Pre-tax net operating income	$10,211,000	698
Securities gains (losses)	$29,000	3,040
Applicable income taxes	$2,275,000	788
Income before extraordinary items	$7,965,000	754
Extraordinary gains, net	$0	29
Net income	$7,965,000	751
Minority interest net income	$0	93
Net income of bank and minority interests.	$7,965,000	754
Net charge-offs	$374,000	3,027
Cash dividends	$530,000	2,699
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$7,942,380	709
2012-09-30 (YTD Data)		Rank
Total interest income	$16,299,000	1,255
Total interest expense	$4,264,000	827
Net interest income	$12,035,000	1,375
Provision for loan and lease losses	$350,000	2,768
Total noninterest income	$1,848,000	1,896
Gross Fiduciary activities income	$267,000	672
Service charges on deposit accounts	$676,000	1,559
Trading account gains and fees	$0	157
Additional Noninterest Income	$905,000	2,122
Total noninterest expense	$5,922,000	2,401
Salaries and employee benefits	$3,928,000	1,922
Premises and equipment expense	$676,000	2,509
Additional noninterest expense	$1,318,000	3,417
Pre-tax net operating income	$7,611,000	740
Securities gains (losses)	$29,000	2,726
Applicable income taxes	$1,702,000	808
Income before extraordinary items	$5,938,000	775
Extraordinary gains, net	$0	20
Net income	$5,938,000	773
Minority interest net income	$0	86
Net income of bank and minority interests.	$5,938,000	775
Net charge-offs	$260,000	3,006
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$5,915,380	732
2012-06-30 (YTD Data)		Rank
Total interest income	$10,731,000	1,282
Total interest expense	$2,859,000	860
Net interest income	$7,872,000	1,405
Provision for loan and lease losses	$150,000	3,329
Total noninterest income	$1,167,000	1,943
Gross Fiduciary activities income	$148,000	710
Service charges on deposit accounts	$448,000	1,559
Trading account gains and fees	$0	153
Additional Noninterest Income	$571,000	2,161
Total noninterest expense	$3,928,000	2,403
Salaries and employee benefits	$2,606,000	1,929
Premises and equipment expense	$451,000	2,516
Additional noninterest expense	$871,000	3,460
Pre-tax net operating income	$4,961,000	752
Securities gains (losses)	$26,000	2,391
Applicable income taxes	$1,128,000	806
Income before extraordinary items	$3,859,000	788
Extraordinary gains, net	$0	19
Net income	$3,859,000	786
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,859,000	788
Net charge-offs	$172,000	2,903
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$3,838,980	743
2012-03-31 (YTD Data)		Rank
Total interest income	$5,385,000	1,282
Total interest expense	$1,439,000	885
Net interest income	$3,946,000	1,406
Provision for loan and lease losses	$150,000	2,302
Total noninterest income	$591,000	1,929
Gross Fiduciary activities income	$78,000	710
Service charges on deposit accounts	$224,000	1,548
Trading account gains and fees	$0	148
Additional Noninterest Income	$289,000	2,154
Total noninterest expense	$2,038,000	2,328
Salaries and employee benefits	$1,342,000	1,869
Premises and equipment expense	$225,000	2,538
Additional noninterest expense	$471,000	3,239
Pre-tax net operating income	$2,349,000	781
Securities gains (losses)	$0	2,210
Applicable income taxes	$516,000	859
Income before extraordinary items	$1,833,000	818
Extraordinary gains, net	$0	19
Net income	$1,833,000	817
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,833,000	819
Net charge-offs	$5,000	4,286
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$1,833,000	771
2011-12-31 (YTD Data)		Rank
Total interest income	$21,590,000	1,330
Total interest expense	$6,471,000	943
Net interest income	$15,119,000	1,464
Provision for loan and lease losses	$750,000	2,824
Total noninterest income	$2,491,000	1,718
Gross Fiduciary activities income	$403,000	603
Service charges on deposit accounts	$1,071,000	1,386
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,017,000	2,106
Total noninterest expense	$8,039,000	2,358
Salaries and employee benefits	$5,099,000	1,904
Premises and equipment expense	$1,003,000	2,409
Additional noninterest expense	$1,937,000	3,224
Pre-tax net operating income	$8,821,000	700
Securities gains (losses)	$-53,000	7,025
Applicable income taxes	$2,145,000	739
Income before extraordinary items	$6,623,000	760
Extraordinary gains, net	$0	29
Net income	$6,623,000	758
Minority interest net income	$0	96
Net income of bank and minority interests.	$6,623,000	760
Net charge-offs	$687,000	2,804
Cash dividends	$400,000	2,654
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$6,663,280	722
2011-09-30 (YTD Data)		Rank
Total interest income	$16,058,000	1,349
Total interest expense	$4,949,000	964
Net interest income	$11,109,000	1,511
Provision for loan and lease losses	$150,000	4,478
Total noninterest income	$1,701,000	1,829
Gross Fiduciary activities income	$259,000	629
Service charges on deposit accounts	$796,000	1,399
Trading account gains and fees	$0	145
Additional Noninterest Income	$646,000	2,323
Total noninterest expense	$6,042,000	2,369
Salaries and employee benefits	$3,858,000	1,898
Premises and equipment expense	$736,000	2,466
Additional noninterest expense	$1,448,000	3,242
Pre-tax net operating income	$6,618,000	717
Securities gains (losses)	$-85,000	7,205
Applicable income taxes	$1,639,000	731
Income before extraordinary items	$4,894,000	789
Extraordinary gains, net	$0	21
Net income	$4,894,000	788
Minority interest net income	$0	87
Net income of bank and minority interests.	$4,894,000	789
Net charge-offs	$75,000	4,674
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$4,957,750	746
2011-06-30 (YTD Data)		Rank
Total interest income	$10,452,000	1,401
Total interest expense	$3,321,000	1,000
Net interest income	$7,131,000	1,580
Provision for loan and lease losses	$0	6,217
Total noninterest income	$1,120,000	1,835
Gross Fiduciary activities income	$185,000	629
Service charges on deposit accounts	$509,000	1,437
Trading account gains and fees	$0	153
Additional Noninterest Income	$426,000	2,347
Total noninterest expense	$4,078,000	2,358
Salaries and employee benefits	$2,581,000	1,901
Premises and equipment expense	$483,000	2,517
Additional noninterest expense	$1,014,000	3,177
Pre-tax net operating income	$4,173,000	746
Securities gains (losses)	$104,000	1,117
Applicable income taxes	$1,124,000	687
Income before extraordinary items	$3,153,000	795
Extraordinary gains, net	$0	15
Net income	$3,153,000	794
Minority interest net income	$0	89
Net income of bank and minority interests.	$3,153,000	795
Net charge-offs	$56,000	4,362
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$3,076,040	780
2011-03-31 (YTD Data)		Rank
Total interest income	$4,989,000	1,468
Total interest expense	$1,638,000	1,048
Net interest income	$3,351,000	1,669
Provision for loan and lease losses	$0	5,840
Total noninterest income	$555,000	1,851
Gross Fiduciary activities income	$92,000	632
Service charges on deposit accounts	$245,000	1,462
Trading account gains and fees	$0	158
Additional Noninterest Income	$218,000	2,351
Total noninterest expense	$2,116,000	2,289
Salaries and employee benefits	$1,367,000	1,810
Premises and equipment expense	$247,000	2,519
Additional noninterest expense	$502,000	3,171
Pre-tax net operating income	$1,790,000	847
Securities gains (losses)	$0	1,772
Applicable income taxes	$499,000	758
Income before extraordinary items	$1,291,000	936
Extraordinary gains, net	$0	9
Net income	$1,291,000	936
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,291,000	936
Net charge-offs	$33,000	3,690
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$1,291,000	914
2010-12-31 (YTD Data)		Rank
Total interest income	$21,215,000	1,442
Total interest expense	$6,839,000	1,204
Net interest income	$14,376,000	1,559
Provision for loan and lease losses	$1,516,000	2,445
Total noninterest income	$2,264,000	1,904
Gross Fiduciary activities income	$427,000	587
Service charges on deposit accounts	$1,102,000	1,379
Trading account gains and fees	$0	175
Additional Noninterest Income	$735,000	2,620
Total noninterest expense	$7,980,000	2,423
Salaries and employee benefits	$4,764,000	2,025
Premises and equipment expense	$1,010,000	2,461
Additional noninterest expense	$2,206,000	2,975
Pre-tax net operating income	$7,144,000	754
Securities gains (losses)	$46,000	2,712
Applicable income taxes	$1,614,000	857
Income before extraordinary items	$5,576,000	782
Extraordinary gains, net	$0	29
Net income	$5,576,000	781
Minority interest net income	$0	111
Net income of bank and minority interests.	$5,576,000	783
Net charge-offs	$786,000	3,019
Cash dividends	$800,000	1,753
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$5,540,120	757
2010-09-30 (YTD Data)		Rank
Total interest income	$15,810,000	1,495
Total interest expense	$5,197,000	1,230
Net interest income	$10,613,000	1,595
Provision for loan and lease losses	$350,000	4,106
Total noninterest income	$1,561,000	2,028
Gross Fiduciary activities income	$290,000	608
Service charges on deposit accounts	$816,000	1,442
Trading account gains and fees	$0	165
Additional Noninterest Income	$455,000	2,908
Total noninterest expense	$5,751,000	2,518
Salaries and employee benefits	$3,586,000	2,020
Premises and equipment expense	$673,000	2,754
Additional noninterest expense	$1,492,000	3,241
Pre-tax net operating income	$6,073,000	701
Securities gains (losses)	$24,000	2,816
Applicable income taxes	$1,475,000	750
Income before extraordinary items	$4,622,000	756
Extraordinary gains, net	$0	23
Net income	$4,622,000	753
Minority interest net income	$0	110
Net income of bank and minority interests.	$4,622,000	756
Net charge-offs	$90,000	5,013
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$4,603,760	715
2010-06-30 (YTD Data)		Rank
Total interest income	$10,495,000	1,524
Total interest expense	$3,470,000	1,287
Net interest income	$7,025,000	1,611
Provision for loan and lease losses	$100,000	5,137
Total noninterest income	$997,000	2,057
Gross Fiduciary activities income	$156,000	654
Service charges on deposit accounts	$515,000	1,527
Trading account gains and fees	$0	152
Additional Noninterest Income	$326,000	2,726
Total noninterest expense	$3,779,000	2,565
Salaries and employee benefits	$2,386,000	2,032
Premises and equipment expense	$440,000	2,816
Additional noninterest expense	$953,000	3,334
Pre-tax net operating income	$4,143,000	675
Securities gains (losses)	$0	3,184
Applicable income taxes	$1,022,000	706
Income before extraordinary items	$3,121,000	720
Extraordinary gains, net	$0	19
Net income	$3,121,000	719
Minority interest net income	$0	105
Net income of bank and minority interests.	$3,121,000	720
Net charge-offs	$23,000	5,442
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$3,121,000	697
2010-03-31 (YTD Data)		Rank
Total interest income	$5,147,000	1,576
Total interest expense	$1,736,000	1,356
Net interest income	$3,411,000	1,667
Provision for loan and lease losses	$50,000	4,831
Total noninterest income	$467,000	2,140
Gross Fiduciary activities income	$78,000	667
Service charges on deposit accounts	$243,000	1,605
Trading account gains and fees	$0	175
Additional Noninterest Income	$146,000	2,890
Total noninterest expense	$1,913,000	2,554
Salaries and employee benefits	$1,228,000	2,012
Premises and equipment expense	$225,000	2,825
Additional noninterest expense	$460,000	3,408
Pre-tax net operating income	$1,915,000	702
Securities gains (losses)	$0	2,284
Applicable income taxes	$476,000	735
Income before extraordinary items	$1,439,000	769
Extraordinary gains, net	$0	16
Net income	$1,439,000	771
Minority interest net income	$0	91
Net income of bank and minority interests.	$1,439,000	773
Net charge-offs	$3,000	5,292
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$1,439,000	736
2009-12-31 (YTD Data)		Rank
Total interest income	$19,476,000	1,759
Total interest expense	$8,056,000	1,480
Net interest income	$11,420,000	1,943
Provision for loan and lease losses	$1,285,000	3,108
Total noninterest income	$2,426,000	1,870
Gross Fiduciary activities income	$433,000	579
Service charges on deposit accounts	$1,200,000	1,437
Trading account gains and fees	$0	211
Additional Noninterest Income	$793,000	2,464
Total noninterest expense	$7,826,000	2,512
Salaries and employee benefits	$4,677,000	2,101
Premises and equipment expense	$1,011,000	2,545
Additional noninterest expense	$2,138,000	3,149
Pre-tax net operating income	$4,735,000	884
Securities gains (losses)	$-109,000	7,300
Applicable income taxes	$1,018,000	942
Income before extraordinary items	$3,608,000	950
Extraordinary gains, net	$0	34
Net income	$3,608,000	949
Minority interest net income	$0	115
Net income of bank and minority interests.	$3,608,000	949
Net charge-offs	$1,465,000	2,399
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$3,693,020	922
2009-09-30 (YTD Data)		Rank
Total interest income	$14,382,000	1,808
Total interest expense	$6,177,000	1,515
Net interest income	$8,205,000	2,005
Provision for loan and lease losses	$50,000	6,514
Total noninterest income	$1,723,000	1,967
Gross Fiduciary activities income	$270,000	615
Service charges on deposit accounts	$888,000	1,447
Trading account gains and fees	$0	212
Additional Noninterest Income	$565,000	2,611
Total noninterest expense	$5,907,000	2,501
Salaries and employee benefits	$3,537,000	2,100
Premises and equipment expense	$748,000	2,611
Additional noninterest expense	$1,622,000	3,093
Pre-tax net operating income	$3,971,000	849
Securities gains (losses)	$-109,000	7,488
Applicable income taxes	$912,000	902
Income before extraordinary items	$2,950,000	920
Extraordinary gains, net	$0	27
Net income	$2,950,000	921
Minority interest net income	$0	118
Net income of bank and minority interests.	$2,950,000	921
Net charge-offs	$319,000	3,630
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$3,032,840	883
2009-06-30 (YTD Data)		Rank
Total interest income	$9,533,000	1,854
Total interest expense	$4,202,000	1,559
Net interest income	$5,331,000	2,060
Provision for loan and lease losses	$0	7,158
Total noninterest income	$1,098,000	2,040
Gross Fiduciary activities income	$180,000	617
Service charges on deposit accounts	$576,000	1,464
Trading account gains and fees	$0	193
Additional Noninterest Income	$342,000	2,781
Total noninterest expense	$3,940,000	2,536
Salaries and employee benefits	$2,359,000	2,140
Premises and equipment expense	$485,000	2,709
Additional noninterest expense	$1,096,000	3,063
Pre-tax net operating income	$2,489,000	917
Securities gains (losses)	$-110,000	7,693
Applicable income taxes	$541,000	1,012
Income before extraordinary items	$1,838,000	1,037
Extraordinary gains, net	$0	21
Net income	$1,838,000	1,036
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,838,000	1,037
Net charge-offs	$322,000	2,854
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,922,700	954
2009-03-31 (YTD Data)		Rank
Total interest income	$4,745,000	1,889
Total interest expense	$2,142,000	1,586
Net interest income	$2,603,000	2,104
Provision for loan and lease losses	$0	6,744
Total noninterest income	$555,000	1,983
Gross Fiduciary activities income	$99,000	599
Service charges on deposit accounts	$279,000	1,473
Trading account gains and fees	$0	171
Additional Noninterest Income	$177,000	2,677
Total noninterest expense	$1,834,000	2,630
Salaries and employee benefits	$1,225,000	2,087
Premises and equipment expense	$247,000	2,699
Additional noninterest expense	$362,000	3,854
Pre-tax net operating income	$1,324,000	960
Securities gains (losses)	$-110,000	7,993
Applicable income taxes	$293,000	1,075
Income before extraordinary items	$921,000	1,180
Extraordinary gains, net	$0	15
Net income	$921,000	1,181
Minority interest net income	$0	102
Net income of bank and minority interests.	$921,000	1,182
Net charge-offs	$286,000	1,821
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,004,600	1,002
2008-12-31 (YTD Data)		Rank
Total interest income	$20,735,000	1,843
Total interest expense	$10,288,000	1,580
Net interest income	$10,447,000	2,124
Provision for loan and lease losses	$0	7,334
Total noninterest income	$2,358,000	1,900
Gross Fiduciary activities income	$426,000	606
Service charges on deposit accounts	$1,292,000	1,395
Trading account gains and fees	$0	154
Additional Noninterest Income	$640,000	2,793
Total noninterest expense	$7,053,000	2,675
Salaries and employee benefits	$4,495,000	2,263
Premises and equipment expense	$1,023,000	2,571
Additional noninterest expense	$1,535,000	3,560
Pre-tax net operating income	$5,752,000	971
Securities gains (losses)	$-250,000	7,391
Applicable income taxes	$1,594,000	826
Income before extraordinary items	$3,908,000	1,066
Extraordinary gains, net	$0	39
Net income	$3,908,000	1,065
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-271,000	8,277
Cash dividends	$800,000	2,638
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$4,085,500	1,086
2008-09-30 (YTD Data)		Rank
Total interest income	$15,535,000	1,889
Total interest expense	$7,892,000	1,595
Net interest income	$7,643,000	2,195
Provision for loan and lease losses	$0	6,991
Total noninterest income	$1,728,000	1,990
Gross Fiduciary activities income	$334,000	598
Service charges on deposit accounts	$960,000	1,416
Trading account gains and fees	$0	148
Additional Noninterest Income	$434,000	3,049
Total noninterest expense	$5,074,000	2,745
Salaries and employee benefits	$3,275,000	2,345
Premises and equipment expense	$736,000	2,682
Additional noninterest expense	$1,063,000	3,701
Pre-tax net operating income	$4,297,000	1,178
Securities gains (losses)	$-250,000	7,637
Applicable income taxes	$1,170,000	1,026
Income before extraordinary items	$2,877,000	1,290
Extraordinary gains, net	$0	31
Net income	$2,877,000	1,289
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-135,000	8,299
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$3,054,500	1,281
2008-06-30 (YTD Data)		Rank
Total interest income	$10,372,000	1,912
Total interest expense	$5,388,000	1,627
Net interest income	$4,984,000	2,227
Provision for loan and lease losses	$0	6,671
Total noninterest income	$1,159,000	1,996
Gross Fiduciary activities income	$236,000	600
Service charges on deposit accounts	$614,000	1,446
Trading account gains and fees	$0	149
Additional Noninterest Income	$309,000	2,974
Total noninterest expense	$3,326,000	2,796
Salaries and employee benefits	$2,158,000	2,392
Premises and equipment expense	$479,000	2,737
Additional noninterest expense	$689,000	3,763
Pre-tax net operating income	$2,817,000	1,256
Securities gains (losses)	$0	3,233
Applicable income taxes	$833,000	1,088
Income before extraordinary items	$1,984,000	1,404
Extraordinary gains, net	$0	21
Net income	$1,984,000	1,405
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-177,000	8,394
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,984,000	1,371
2008-03-31 (YTD Data)		Rank
Total interest income	$5,247,000	1,941
Total interest expense	$2,811,000	1,674
Net interest income	$2,436,000	2,261
Provision for loan and lease losses	$0	6,080
Total noninterest income	$540,000	2,121
Gross Fiduciary activities income	$111,000	626
Service charges on deposit accounts	$297,000	1,470
Trading account gains and fees	$0	158
Additional Noninterest Income	$132,000	3,267
Total noninterest expense	$1,696,000	2,739
Salaries and employee benefits	$1,116,000	2,349
Premises and equipment expense	$241,000	2,732
Additional noninterest expense	$339,000	3,754
Pre-tax net operating income	$1,280,000	1,453
Securities gains (losses)	$0	2,688
Applicable income taxes	$376,000	1,250
Income before extraordinary items	$904,000	1,645
Extraordinary gains, net	$0	15
Net income	$904,000	1,647
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-198,000	8,458
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$904,000	1,588
2007-12-31 (YTD Data)		Rank
Total interest income	$19,978,000	2,090
Total interest expense	$11,679,000	1,714
Net interest income	$8,299,000	2,641
Provision for loan and lease losses	$0	6,851
Total noninterest income	$2,297,000	2,009
Gross Fiduciary activities income	$420,000	632
Service charges on deposit accounts	$1,236,000	1,453
Trading account gains and fees	$0	178
Additional Noninterest Income	$641,000	2,902
Total noninterest expense	$6,336,000	2,824
Salaries and employee benefits	$4,098,000	2,444
Premises and equipment expense	$952,000	2,676
Additional noninterest expense	$1,286,000	3,874
Pre-tax net operating income	$4,260,000	1,877
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,222,000	1,629
Income before extraordinary items	$3,038,000	2,030
Extraordinary gains, net	$0	39
Net income	$3,038,000	2,029
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	4,663
Cash dividends	$800,000	2,954
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$3,038,000	2,012
2007-09-30 (YTD Data)		Rank
Total interest income	$14,600,000	2,141
Total interest expense	$8,590,000	1,744
Net interest income	$6,010,000	2,719
Provision for loan and lease losses	$0	6,528
Total noninterest income	$1,651,000	2,069
Gross Fiduciary activities income	$322,000	624
Service charges on deposit accounts	$917,000	1,436
Trading account gains and fees	$0	184
Additional Noninterest Income	$412,000	3,151
Total noninterest expense	$4,659,000	2,850
Salaries and employee benefits	$3,047,000	2,459
Premises and equipment expense	$695,000	2,723
Additional noninterest expense	$917,000	3,963
Pre-tax net operating income	$3,002,000	2,106
Securities gains (losses)	$0	1,655
Applicable income taxes	$850,000	1,822
Income before extraordinary items	$2,152,000	2,241
Extraordinary gains, net	$0	33
Net income	$2,152,000	2,239
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,809
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,152,000	2,227
2007-06-30 (YTD Data)		Rank
Total interest income	$9,580,000	2,181
Total interest expense	$5,635,000	1,771
Net interest income	$3,945,000	2,785
Provision for loan and lease losses	$0	6,209
Total noninterest income	$1,049,000	2,169
Gross Fiduciary activities income	$183,000	667
Service charges on deposit accounts	$597,000	1,481
Trading account gains and fees	$0	168
Additional Noninterest Income	$269,000	3,195
Total noninterest expense	$3,150,000	2,840
Salaries and employee benefits	$2,058,000	2,473
Premises and equipment expense	$458,000	2,766
Additional noninterest expense	$634,000	3,851
Pre-tax net operating income	$1,844,000	2,305
Securities gains (losses)	$0	1,444
Applicable income taxes	$513,000	2,030
Income before extraordinary items	$1,331,000	2,431
Extraordinary gains, net	$0	29
Net income	$1,331,000	2,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,315
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,331,000	2,413
2007-03-31 (YTD Data)		Rank
Total interest income	$4,668,000	2,231
Total interest expense	$2,757,000	1,797
Net interest income	$1,911,000	2,868
Provision for loan and lease losses	$0	5,779
Total noninterest income	$475,000	2,283
Gross Fiduciary activities income	$83,000	703
Service charges on deposit accounts	$282,000	1,520
Trading account gains and fees	$0	195
Additional Noninterest Income	$110,000	3,585
Total noninterest expense	$1,583,000	2,838
Salaries and employee benefits	$1,022,000	2,505
Premises and equipment expense	$233,000	2,752
Additional noninterest expense	$328,000	3,701
Pre-tax net operating income	$803,000	2,556
Securities gains (losses)	$0	1,187
Applicable income taxes	$219,000	2,273
Income before extraordinary items	$584,000	2,688
Extraordinary gains, net	$0	22
Net income	$584,000	2,690
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	3,204
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$584,000	2,675
2006-12-31 (YTD Data)		Rank
Total interest income	$17,743,000	2,199
Total interest expense	$9,765,000	1,718
Net interest income	$7,978,000	2,763
Provision for loan and lease losses	$0	6,850
Total noninterest income	$2,183,000	2,091
Gross Fiduciary activities income	$394,000	638
Service charges on deposit accounts	$1,246,000	1,442
Trading account gains and fees	$0	130
Additional Noninterest Income	$543,000	3,197
Total noninterest expense	$6,155,000	2,817
Salaries and employee benefits	$3,866,000	2,515
Premises and equipment expense	$950,000	2,591
Additional noninterest expense	$1,339,000	3,612
Pre-tax net operating income	$4,006,000	2,257
Securities gains (losses)	$6,000	1,217
Applicable income taxes	$1,178,000	1,975
Income before extraordinary items	$2,834,000	2,375
Extraordinary gains, net	$0	51
Net income	$2,834,000	2,376
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	5,128
Cash dividends	$600,000	3,434
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,829,740	2,358
2006-09-30 (YTD Data)		Rank
Total interest income	$12,948,000	2,245
Total interest expense	$6,984,000	1,749
Net interest income	$5,964,000	2,792
Provision for loan and lease losses	$0	6,685
Total noninterest income	$1,558,000	2,167
Gross Fiduciary activities income	$293,000	640
Service charges on deposit accounts	$928,000	1,452
Trading account gains and fees	$0	126
Additional Noninterest Income	$337,000	3,513
Total noninterest expense	$4,529,000	2,853
Salaries and employee benefits	$2,856,000	2,548
Premises and equipment expense	$693,000	2,665
Additional noninterest expense	$980,000	3,663
Pre-tax net operating income	$2,993,000	2,333
Securities gains (losses)	$6,000	998
Applicable income taxes	$850,000	2,111
Income before extraordinary items	$2,149,000	2,430
Extraordinary gains, net	$0	45
Net income	$2,149,000	2,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	3,782
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,144,680	2,422
2006-06-30 (YTD Data)		Rank
Total interest income	$8,483,000	2,248
Total interest expense	$4,429,000	1,745
Net interest income	$4,054,000	2,754
Provision for loan and lease losses	$0	6,419
Total noninterest income	$992,000	2,242
Gross Fiduciary activities income	$152,000	709
Service charges on deposit accounts	$597,000	1,494
Trading account gains and fees	$0	126
Additional Noninterest Income	$243,000	3,370
Total noninterest expense	$3,036,000	2,849
Salaries and employee benefits	$1,924,000	2,525
Premises and equipment expense	$452,000	2,709
Additional noninterest expense	$660,000	3,642
Pre-tax net operating income	$2,010,000	2,302
Securities gains (losses)	$0	1,185
Applicable income taxes	$573,000	2,115
Income before extraordinary items	$1,437,000	2,420
Extraordinary gains, net	$0	39
Net income	$1,437,000	2,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	3,293
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,437,000	2,404
2006-03-31 (YTD Data)		Rank
Total interest income	$4,162,000	2,245
Total interest expense	$2,120,000	1,731
Net interest income	$2,042,000	2,738
Provision for loan and lease losses	$0	6,013
Total noninterest income	$468,000	2,282
Gross Fiduciary activities income	$76,000	721
Service charges on deposit accounts	$287,000	1,484
Trading account gains and fees	$0	115
Additional Noninterest Income	$105,000	3,627
Total noninterest expense	$1,560,000	2,793
Salaries and employee benefits	$951,000	2,556
Premises and equipment expense	$223,000	2,750
Additional noninterest expense	$386,000	3,221
Pre-tax net operating income	$950,000	2,371
Securities gains (losses)	$0	955
Applicable income taxes	$271,000	2,144
Income before extraordinary items	$679,000	2,503
Extraordinary gains, net	$0	21
Net income	$679,000	2,505
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,616
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$679,000	2,486
2005-12-31 (YTD Data)		Rank
Total interest income	$15,010,000	2,216
Total interest expense	$6,551,000	1,738
Net interest income	$8,459,000	2,566
Provision for loan and lease losses	$0	7,120
Total noninterest income	$3,031,000	1,593
Gross Fiduciary activities income	$331,000	678
Service charges on deposit accounts	$1,231,000	1,419
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,469,000	1,693
Total noninterest expense	$5,957,000	2,772
Salaries and employee benefits	$3,812,000	2,399
Premises and equipment expense	$860,000	2,703
Additional noninterest expense	$1,285,000	3,659
Pre-tax net operating income	$5,533,000	1,688
Securities gains (losses)	$-71,000	8,313
Applicable income taxes	$1,663,000	1,578
Income before extraordinary items	$3,799,000	1,815
Extraordinary gains, net	$0	46
Net income	$3,799,000	1,813
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-474,000	8,782
Cash dividends	$2,728,000	1,120
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$3,848,700	1,768
2005-09-30 (YTD Data)		Rank
Total interest income	$10,986,000	2,215
Total interest expense	$4,594,000	1,749
Net interest income	$6,392,000	2,529
Provision for loan and lease losses	$0	6,899
Total noninterest income	$2,429,000	1,508
Gross Fiduciary activities income	$232,000	684
Service charges on deposit accounts	$913,000	1,415
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,284,000	1,509
Total noninterest expense	$4,250,000	2,860
Salaries and employee benefits	$2,758,000	2,443
Premises and equipment expense	$556,000	3,063
Additional noninterest expense	$936,000	3,687
Pre-tax net operating income	$4,571,000	1,567
Securities gains (losses)	$2,000	2,008
Applicable income taxes	$1,409,000	1,454
Income before extraordinary items	$3,164,000	1,667
Extraordinary gains, net	$0	35
Net income	$3,164,000	1,668
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-687,000	8,826
Cash dividends	$1,000,000	1,776
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$3,162,620	1,634
2005-06-30 (YTD Data)		Rank
Total interest income	$7,165,000	2,206
Total interest expense	$2,870,000	1,764
Net interest income	$4,295,000	2,492
Provision for loan and lease losses	$0	6,626
Total noninterest income	$1,933,000	1,307
Gross Fiduciary activities income	$155,000	686
Service charges on deposit accounts	$585,000	1,443
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,193,000	1,184
Total noninterest expense	$2,873,000	2,814
Salaries and employee benefits	$1,845,000	2,413
Premises and equipment expense	$348,000	3,213
Additional noninterest expense	$680,000	3,436
Pre-tax net operating income	$3,355,000	1,399
Securities gains (losses)	$2,000	1,855
Applicable income taxes	$1,049,000	1,321
Income before extraordinary items	$2,308,000	1,497
Extraordinary gains, net	$0	30
Net income	$2,308,000	1,496
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$194,000	1,224
Cash dividends	$1,000,000	1,280
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$2,306,620	1,471
2005-03-31 (YTD Data)		Rank
Total interest income	$3,538,000	2,186
Total interest expense	$1,368,000	1,746
Net interest income	$2,170,000	2,459
Provision for loan and lease losses	$0	6,226
Total noninterest income	$1,407,000	954
Gross Fiduciary activities income	$71,000	720
Service charges on deposit accounts	$270,000	1,511
Trading account gains and fees	$0	115
Additional Noninterest Income	$1,066,000	748
Total noninterest expense	$1,376,000	2,929
Salaries and employee benefits	$892,000	2,512
Premises and equipment expense	$175,000	3,224
Additional noninterest expense	$309,000	3,724
Pre-tax net operating income	$2,201,000	1,049
Securities gains (losses)	$0	1,685
Applicable income taxes	$700,000	1,006
Income before extraordinary items	$1,501,000	1,154
Extraordinary gains, net	$0	24
Net income	$1,501,000	1,155
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$203,000	676
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$1,501,000	1,130
2004-12-31 (YTD Data)		Rank
Total interest income	$13,669,000	2,087
Total interest expense	$4,590,000	1,772
Net interest income	$9,079,000	2,250
Provision for loan and lease losses	$0	7,314
Total noninterest income	$2,160,000	2,090
Gross Fiduciary activities income	$323,000	673
Service charges on deposit accounts	$1,217,000	1,440
Trading account gains and fees	$0	138
Additional Noninterest Income	$620,000	2,927
Total noninterest expense	$5,226,000	2,987
Salaries and employee benefits	$3,301,000	2,610
Premises and equipment expense	$598,000	3,544
Additional noninterest expense	$1,327,000	3,468
Pre-tax net operating income	$6,013,000	1,431
Securities gains (losses)	$-17,000	8,347
Applicable income taxes	$1,846,000	1,369
Income before extraordinary items	$4,150,000	1,553
Extraordinary gains, net	$0	34
Net income	$4,150,000	1,554
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$288,000	2,054
Cash dividends	$1,900,000	1,434
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$4,161,730	1,505
2004-09-30 (YTD Data)		Rank
Total interest income	$10,096,000	2,090
Total interest expense	$3,337,000	1,797
Net interest income	$6,759,000	2,236
Provision for loan and lease losses	$0	7,100
Total noninterest income	$1,504,000	2,206
Gross Fiduciary activities income	$233,000	680
Service charges on deposit accounts	$896,000	1,485
Trading account gains and fees	$0	134
Additional Noninterest Income	$375,000	3,312
Total noninterest expense	$3,729,000	3,102
Salaries and employee benefits	$2,411,000	2,649
Premises and equipment expense	$424,000	3,717
Additional noninterest expense	$894,000	3,744
Pre-tax net operating income	$4,534,000	1,432
Securities gains (losses)	$-17,000	8,622
Applicable income taxes	$1,393,000	1,373
Income before extraordinary items	$3,124,000	1,554
Extraordinary gains, net	$0	26
Net income	$3,124,000	1,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$171,000	2,116
Cash dividends	$900,000	1,840
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$3,135,730	1,501
2004-06-30 (YTD Data)		Rank
Total interest income	$6,624,000	2,115
Total interest expense	$2,172,000	1,824
Net interest income	$4,452,000	2,250
Provision for loan and lease losses	$0	6,885
Total noninterest income	$1,014,000	2,177
Gross Fiduciary activities income	$179,000	658
Service charges on deposit accounts	$569,000	1,547
Trading account gains and fees	$0	130
Additional Noninterest Income	$266,000	3,198
Total noninterest expense	$2,503,000	3,091
Salaries and employee benefits	$1,626,000	2,637
Premises and equipment expense	$279,000	3,763
Additional noninterest expense	$598,000	3,755
Pre-tax net operating income	$2,963,000	1,440
Securities gains (losses)	$-17,000	8,775
Applicable income taxes	$913,000	1,375
Income before extraordinary items	$2,033,000	1,581
Extraordinary gains, net	$0	21
Net income	$2,033,000	1,582
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-136,000	8,940
Cash dividends	$900,000	1,395
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$2,044,730	1,514
2004-03-31 (YTD Data)		Rank
Total interest income	$3,276,000	2,130
Total interest expense	$1,072,000	1,863
Net interest income	$2,204,000	2,269
Provision for loan and lease losses	$0	6,501
Total noninterest income	$468,000	2,259
Gross Fiduciary activities income	$71,000	717
Service charges on deposit accounts	$273,000	1,572
Trading account gains and fees	$0	121
Additional Noninterest Income	$124,000	3,282
Total noninterest expense	$1,246,000	3,105
Salaries and employee benefits	$801,000	2,677
Premises and equipment expense	$136,000	3,860
Additional noninterest expense	$309,000	3,663
Pre-tax net operating income	$1,426,000	1,453
Securities gains (losses)	$-17,000	8,963
Applicable income taxes	$436,000	1,453
Income before extraordinary items	$973,000	1,629
Extraordinary gains, net	$0	16
Net income	$973,000	1,629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-31,000	8,722
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$984,730	1,530
2003-12-31 (YTD Data)		Rank
Total interest income	$12,986,000	2,203
Total interest expense	$4,554,000	1,964
Net interest income	$8,432,000	2,300
Provision for loan and lease losses	$0	7,651
Total noninterest income	$2,198,000	2,160
Gross Fiduciary activities income	$305,000	701
Service charges on deposit accounts	$1,177,000	1,464
Trading account gains and fees	$0	160
Additional Noninterest Income	$716,000	2,928
Total noninterest expense	$4,982,000	3,058
Salaries and employee benefits	$3,149,000	2,673
Premises and equipment expense	$612,000	3,460
Additional noninterest expense	$1,221,000	3,676
Pre-tax net operating income	$5,648,000	1,460
Securities gains (losses)	$0	4,500
Applicable income taxes	$1,750,000	1,414
Income before extraordinary items	$3,898,000	1,598
Extraordinary gains, net	$0	54
Net income	$3,898,000	1,600
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-242,000	9,125
Cash dividends	$1,500,000	1,716
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$3,898,000	1,526
2003-09-30 (YTD Data)		Rank
Total interest income	$9,691,000	2,246
Total interest expense	$3,475,000	2,009
Net interest income	$6,216,000	2,352
Provision for loan and lease losses	$0	7,481
Total noninterest income	$1,585,000	2,268
Gross Fiduciary activities income	$212,000	726
Service charges on deposit accounts	$874,000	1,495
Trading account gains and fees	$0	153
Additional Noninterest Income	$499,000	3,143
Total noninterest expense	$3,659,000	3,107
Salaries and employee benefits	$2,327,000	2,702
Premises and equipment expense	$450,000	3,524
Additional noninterest expense	$882,000	3,760
Pre-tax net operating income	$4,142,000	1,530
Securities gains (losses)	$0	4,204
Applicable income taxes	$1,284,000	1,518
Income before extraordinary items	$2,858,000	1,690
Extraordinary gains, net	$0	40
Net income	$2,858,000	1,690
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-105,000	9,095
Cash dividends	$1,000,000	1,726
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$2,858,000	1,600
2003-06-30 (YTD Data)		Rank
Total interest income	$6,466,000	2,263
Total interest expense	$2,372,000	2,016
Net interest income	$4,094,000	2,372
Provision for loan and lease losses	$0	7,324
Total noninterest income	$1,016,000	2,334
Gross Fiduciary activities income	$137,000	726
Service charges on deposit accounts	$565,000	1,511
Trading account gains and fees	$0	150
Additional Noninterest Income	$314,000	3,209
Total noninterest expense	$2,454,000	3,095
Salaries and employee benefits	$1,579,000	2,662
Premises and equipment expense	$302,000	3,466
Additional noninterest expense	$573,000	3,839
Pre-tax net operating income	$2,656,000	1,582
Securities gains (losses)	$0	3,782
Applicable income taxes	$822,000	1,589
Income before extraordinary items	$1,834,000	1,768
Extraordinary gains, net	$0	30
Net income	$1,834,000	1,768
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-276,000	9,231
Cash dividends	$1,000,000	1,282
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,834,000	1,651
2003-03-31 (YTD Data)		Rank
Total interest income	$3,220,000	2,289
Total interest expense	$1,221,000	2,018
Net interest income	$1,999,000	2,433
Provision for loan and lease losses	$0	6,934
Total noninterest income	$462,000	2,432
Gross Fiduciary activities income	$61,000	763
Service charges on deposit accounts	$264,000	1,564
Trading account gains and fees	$0	134
Additional Noninterest Income	$137,000	3,373
Total noninterest expense	$1,206,000	3,129
Salaries and employee benefits	$741,000	2,810
Premises and equipment expense	$157,000	3,364
Additional noninterest expense	$308,000	3,586
Pre-tax net operating income	$1,255,000	1,671
Securities gains (losses)	$0	2,891
Applicable income taxes	$393,000	1,648
Income before extraordinary items	$862,000	1,835
Extraordinary gains, net	$0	21
Net income	$862,000	1,834
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	3,340
Cash dividends	$1,000,000	674
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$862,000	1,724
2002-12-31 (YTD Data)		Rank
Total interest income	$13,562,000	2,271
Total interest expense	$5,808,000	1,954
Net interest income	$7,754,000	2,470
Provision for loan and lease losses	$0	8,089
Total noninterest income	$1,889,000	2,233
Gross Fiduciary activities income	$282,000	730
Service charges on deposit accounts	$1,037,000	1,558
Trading account gains and fees	$0	153
Additional Noninterest Income	$570,000	3,057
Total noninterest expense	$5,046,000	2,903
Salaries and employee benefits	$2,880,000	2,736
Premises and equipment expense	$582,000	3,494
Additional noninterest expense	$1,584,000	2,838
Pre-tax net operating income	$4,597,000	1,764
Securities gains (losses)	$1,000	4,369
Applicable income taxes	$1,372,000	1,772
Income before extraordinary items	$3,226,000	1,855
Extraordinary gains, net	$0	70
Net income	$3,226,000	1,854
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-810,000	9,346
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,225,300	1,788
2001-12-31 (YTD Data)		Rank
Total interest income	$15,152,000	2,251
Total interest expense	$9,667,000	1,684
Net interest income	$5,485,000	3,183
Provision for loan and lease losses	$15,703,000	187
Total noninterest income	$1,791,000	2,197
Gross Fiduciary activities income	$272,000	752
Service charges on deposit accounts	$951,000	1,562
Trading account gains and fees	$0	177
Additional Noninterest Income	$568,000	2,923
Total noninterest expense	$4,189,000	3,291
Salaries and employee benefits	$2,585,000	2,865
Premises and equipment expense	$485,000	3,989
Additional noninterest expense	$1,119,000	3,721
Pre-tax net operating income	$-12,616,000	9,600
Securities gains (losses)	$24,000	3,012
Applicable income taxes	$-4,602,000	9,594
Income before extraordinary items	$-7,990,000	9,588
Extraordinary gains, net	$0	105
Net income	$-7,990,000	9,585
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,273,000	166
Cash dividends	$200,000	4,983
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-8,005,360	9,581
2000-12-31 (YTD Data)		Rank
Total interest income	$14,708,000	2,375
Total interest expense	$9,072,000	1,899
Net interest income	$5,636,000	3,126
Provision for loan and lease losses	$310,000	2,759
Total noninterest income	$1,549,000	2,291
Gross Fiduciary activities income	$285,000	731
Service charges on deposit accounts	$826,000	1,679
Trading account gains and fees	$0	180
Additional Noninterest Income	$438,000	3,165
Total noninterest expense	$4,034,000	3,309
Salaries and employee benefits	$2,343,000	3,009
Premises and equipment expense	$564,000	3,442
Additional noninterest expense	$1,127,000	3,634
Pre-tax net operating income	$2,841,000	2,500
Securities gains (losses)	$-27,000	8,889
Applicable income taxes	$677,000	2,865
Income before extraordinary items	$2,137,000	2,397
Extraordinary gains, net	$0	38
Net income	$2,137,000	2,397
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,000	3,638
Cash dividends	$355,000	4,172
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,157,520	2,379
1999-12-31 (YTD Data)		Rank
Total interest income	$12,591,000	2,590
Total interest expense	$7,331,000	2,033
Net interest income	$5,260,000	3,302
Provision for loan and lease losses	$365,000	2,251
Total noninterest income	$1,268,000	2,598
Gross Fiduciary activities income	$246,000	820
Service charges on deposit accounts	$683,000	1,954
Trading account gains and fees	$0	173
Additional Noninterest Income	$339,000	3,755
Total noninterest expense	$3,523,000	3,690
Salaries and employee benefits	$2,097,000	3,287
Premises and equipment expense	$469,000	3,993
Additional noninterest expense	$957,000	4,158
Pre-tax net operating income	$2,640,000	2,677
Securities gains (losses)	$-244,000	10,056
Applicable income taxes	$541,000	3,466
Income before extraordinary items	$1,855,000	2,743
Extraordinary gains, net	$0	35
Net income	$1,855,000	2,744
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$286,000	1,879
Cash dividends	$200,000	5,191
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,042,880	2,504
1998-12-31 (YTD Data)		Rank
Total interest income	$11,371,000	2,836
Total interest expense	$6,765,000	2,244
Net interest income	$4,606,000	3,665
Provision for loan and lease losses	$685,000	1,337
Total noninterest income	$1,172,000	2,742
Gross Fiduciary activities income	$203,000	866
Service charges on deposit accounts	$599,000	2,140
Trading account gains and fees	$0	224
Additional Noninterest Income	$370,000	3,589
Total noninterest expense	$3,317,000	3,775
Salaries and employee benefits	$1,883,000	3,526
Premises and equipment expense	$544,000	3,457
Additional noninterest expense	$890,000	4,330
Pre-tax net operating income	$1,776,000	3,670
Securities gains (losses)	$0	4,449
Applicable income taxes	$445,000	4,150
Income before extraordinary items	$1,331,000	3,603
Extraordinary gains, net	$0	32
Net income	$1,331,000	3,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$572,000	1,131
Cash dividends	$300,000	4,531
Sale, conversion, retirement of capital stock, net	$72,000	811
Net operating income	$1,331,000	3,504
1997-12-31 (YTD Data)		Rank
Total interest income	$9,682,000	3,340
Total interest expense	$5,853,000	2,555
Net interest income	$3,829,000	4,394
Provision for loan and lease losses	$120,000	4,629
Total noninterest income	$959,000	3,135
Gross Fiduciary activities income	$177,000	928
Service charges on deposit accounts	$509,000	2,578
Trading account gains and fees	$0	239
Additional Noninterest Income	$273,000	4,143
Total noninterest expense	$2,818,000	4,312
Salaries and employee benefits	$1,585,000	4,044
Premises and equipment expense	$383,000	4,595
Additional noninterest expense	$850,000	4,515
Pre-tax net operating income	$1,850,000	3,773
Securities gains (losses)	$0	3,944
Applicable income taxes	$489,000	4,279
Income before extraordinary items	$1,361,000	3,652
Extraordinary gains, net	$0	44
Net income	$1,361,000	3,652
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,011
Cash dividends	$210,000	5,261
Sale, conversion, retirement of capital stock, net	$68,000	815
Net operating income	$1,361,000	3,581
1996-12-31 (YTD Data)		Rank
Total interest income	$4,370,000	6,506
Total interest expense	$2,630,000	5,317
Net interest income	$1,740,000	7,684
Provision for loan and lease losses	$0	9,041
Total noninterest income	$506,000	5,112
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$206,000	5,447
Trading account gains and fees	NA	NA
Additional Noninterest Income	$300,000	4,071
Total noninterest expense	$1,134,000	8,213
Salaries and employee benefits	$764,000	7,173
Premises and equipment expense	$109,000	9,055
Additional noninterest expense	$261,000	9,275
Pre-tax net operating income	$1,112,000	5,374
Securities gains (losses)	$-22,000	10,677
Applicable income taxes	$274,000	6,123
Income before extraordinary items	$816,000	5,232
Extraordinary gains, net	$0	53
Net income	$816,000	5,232
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$598,000	3,080
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$832,500	5,096
1995-12-31 (YTD Data)		Rank
Total interest income	$4,340,000	6,628
Total interest expense	$2,563,000	5,453
Net interest income	$1,777,000	7,825
Provision for loan and lease losses	$118,000	4,263
Total noninterest income	$505,000	5,142
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$194,000	5,786
Trading account gains and fees	NA	NA
Additional Noninterest Income	$311,000	3,915
Total noninterest expense	$1,078,000	8,664
Salaries and employee benefits	$678,000	7,877
Premises and equipment expense	$107,000	9,413
Additional noninterest expense	$293,000	9,311
Pre-tax net operating income	$1,086,000	5,646
Securities gains (losses)	$0	3,831
Applicable income taxes	$309,000	5,889
Income before extraordinary items	$777,000	5,557
Extraordinary gains, net	$0	65
Net income	$777,000	5,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$117,000	3,429
Cash dividends	$419,000	3,750
Sale, conversion, retirement of capital stock, net	$47,000	654
Net operating income	$777,000	5,543
1994-12-31 (YTD Data)		Rank
Total interest income	$4,105,000	6,571
Total interest expense	$2,115,000	5,352
Net interest income	$1,990,000	7,596
Provision for loan and lease losses	$0	9,146
Total noninterest income	$376,000	6,382
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$189,000	6,086
Trading account gains and fees	NA	NA
Additional Noninterest Income	$187,000	5,489
Total noninterest expense	$1,161,000	8,760
Salaries and employee benefits	$639,000	8,349
Premises and equipment expense	$128,000	9,152
Additional noninterest expense	$394,000	8,887
Pre-tax net operating income	$1,205,000	5,222
Securities gains (losses)	$-7,000	9,611
Applicable income taxes	$335,000	5,452
Income before extraordinary items	$863,000	5,060
Extraordinary gains, net	$0	249
Net income	$863,000	5,066
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	5,198
Cash dividends	$199,000	5,554
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$868,040	5,098
1993-12-31 (YTD Data)		Rank
Total interest income	$4,388,000	6,429
Total interest expense	$2,246,000	5,274
Net interest income	$2,142,000	7,326
Provision for loan and lease losses	$110,000	5,504
Total noninterest income	$420,000	6,269
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$215,000	5,687
Trading account gains and fees	NA	NA
Additional Noninterest Income	$205,000	5,584
Total noninterest expense	$1,370,000	8,274
Salaries and employee benefits	$768,000	7,508
Premises and equipment expense	$138,000	9,226
Additional noninterest expense	$464,000	8,573
Pre-tax net operating income	$1,082,000	5,566
Securities gains (losses)	$41,000	3,697
Applicable income taxes	$332,000	5,710
Income before extraordinary items	$791,000	5,616
Extraordinary gains, net	$0	3,149
Net income	$791,000	5,759
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	8,555
Cash dividends	$101,000	6,837
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$762,300	5,517
1992-12-31 (YTD Data)		Rank
Total interest income	$4,241,000	7,193
Total interest expense	$2,319,000	6,361
Net interest income	$1,922,000	7,968
Provision for loan and lease losses	$125,000	6,594
Total noninterest income	$458,000	5,999
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$212,000	5,774
Trading account gains and fees	NA	NA
Additional Noninterest Income	$246,000	5,004
Total noninterest expense	$1,161,000	9,233
Salaries and employee benefits	$674,000	8,192
Premises and equipment expense	$114,000	10,256
Additional noninterest expense	$373,000	9,907
Pre-tax net operating income	$1,094,000	5,287
Securities gains (losses)	$1,000	7,986
Applicable income taxes	$311,000	5,785
Income before extraordinary items	$784,000	5,444
Extraordinary gains, net	$0	1,422
Net income	$784,000	5,506
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	10,157
Cash dividends	$244,000	4,557
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$783,280	5,133

* 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.