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F & M Community Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$8,121,000	3,107
Total interest expense	$2,227,000	2,926
Net interest income	$5,894,000	3,137
Provision for loan and lease losses	$179,000	2,101
Total noninterest income	$1,236,000	2,505
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$201,000	2,667
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,035,000	2,251
Total noninterest expense	$5,749,000	2,841
Salaries and employee benefits	$3,508,000	2,713
Premises and equipment expense	$545,000	2,833
Additional noninterest expense	$1,035,000	2,251
Pre-tax net operating income	$1,202,000	3,438
Securities gains (losses)	$0	988
Applicable income taxes	$151,000	2,593
Income before extraordinary items	$1,051,000	3,427
Extraordinary gains, net	$0	54
Net income	$1,051,000	3,464
Minority interest net income	$0	88
Net income of bank and minority interests.	$1,051,000	3,429
Net charge-offs	$-3,000	3,644
Cash dividends	$650,000	2,558
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$1,051,000	3,445
2023-09-30 (YTD Data)		Rank
Total interest income	$5,950,000	3,111
Total interest expense	$1,442,000	2,981
Net interest income	$4,508,000	3,118
Provision for loan and lease losses	$161,000	1,828
Total noninterest income	$848,000	2,592
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$155,000	2,653
Trading account gains and fees	NA	NA
Additional Noninterest Income	$693,000	2,339
Total noninterest expense	$4,257,000	2,859
Salaries and employee benefits	$2,625,000	2,708
Premises and equipment expense	$387,000	2,916
Additional noninterest expense	$693,000	2,338
Pre-tax net operating income	$938,000	3,483
Securities gains (losses)	$0	849
Applicable income taxes	$151,000	2,489
Income before extraordinary items	$787,000	3,498
Extraordinary gains, net	$0	52
Net income	$787,000	3,530
Minority interest net income	$0	81
Net income of bank and minority interests.	$787,000	3,498
Net charge-offs	$-6,000	3,713
Cash dividends	$500,000	2,237
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$787,000	3,523
2023-06-30 (YTD Data)		Rank
Total interest income	$3,836,000	3,144
Total interest expense	$789,000	3,048
Net interest income	$3,047,000	3,120
Provision for loan and lease losses	$107,000	1,780
Total noninterest income	$590,000	2,499
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$112,000	2,552
Trading account gains and fees	NA	NA
Additional Noninterest Income	$478,000	2,240
Total noninterest expense	$2,808,000	2,871
Salaries and employee benefits	$1,787,000	2,681
Premises and equipment expense	$229,000	3,095
Additional noninterest expense	$478,000	2,236
Pre-tax net operating income	$722,000	3,398
Securities gains (losses)	$0	938
Applicable income taxes	$151,000	2,307
Income before extraordinary items	$571,000	3,468
Extraordinary gains, net	$0	51
Net income	$571,000	3,501
Minority interest net income	$0	81
Net income of bank and minority interests.	$571,000	3,467
Net charge-offs	$-6,000	3,775
Cash dividends	$350,000	2,208
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$571,000	3,484
2023-03-31 (YTD Data)		Rank
Total interest income	$1,817,000	3,215
Total interest expense	$291,000	3,215
Net interest income	$1,526,000	3,138
Provision for loan and lease losses	$54,000	1,655
Total noninterest income	$292,000	2,515
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$56,000	2,572
Trading account gains and fees	NA	NA
Additional Noninterest Income	$236,000	2,252
Total noninterest expense	$1,393,000	2,911
Salaries and employee benefits	$913,000	2,682
Premises and equipment expense	$96,000	3,373
Additional noninterest expense	$236,000	2,252
Pre-tax net operating income	$371,000	3,431
Securities gains (losses)	$0	950
Applicable income taxes	$151,000	1,864
Income before extraordinary items	$220,000	3,741
Extraordinary gains, net	$0	4
Net income	$220,000	3,740
Minority interest net income	$0	48
Net income of bank and minority interests.	$220,000	3,741
Net charge-offs	$-6,000	3,898
Cash dividends	$200,000	1,791
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$220,000	3,769
2022-12-31 (YTD Data)		Rank
Total interest income	$6,511,000	3,141
Total interest expense	$548,000	3,140
Net interest income	$5,963,000	3,103
Provision for loan and lease losses	$88,000	2,317
Total noninterest income	$1,382,000	2,427
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$194,000	2,786
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,188,000	2,158
Total noninterest expense	$5,359,000	2,926
Salaries and employee benefits	$3,377,000	2,756
Premises and equipment expense	$429,000	3,203
Additional noninterest expense	$1,188,000	2,158
Pre-tax net operating income	$1,898,000	3,190
Securities gains (losses)	$6,000	496
Applicable income taxes	$138,000	2,841
Income before extraordinary items	$1,766,000	3,080
Extraordinary gains, net	$0	5
Net income	$1,766,000	3,077
Minority interest net income	$0	63
Net income of bank and minority interests.	$1,766,000	3,079
Net charge-offs	$13,000	2,062
Cash dividends	$745,000	2,399
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$1,760,420	3,124
2022-09-30 (YTD Data)		Rank
Total interest income	$4,682,000	3,152
Total interest expense	$338,000	3,152
Net interest income	$4,344,000	3,120
Provision for loan and lease losses	$63,000	2,147
Total noninterest income	$1,101,000	2,381
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$141,000	2,843
Trading account gains and fees	NA	NA
Additional Noninterest Income	$960,000	2,095
Total noninterest expense	$4,006,000	2,926
Salaries and employee benefits	$2,511,000	2,764
Premises and equipment expense	$326,000	3,182
Additional noninterest expense	$960,000	2,095
Pre-tax net operating income	$1,376,000	3,208
Securities gains (losses)	$6,000	515
Applicable income taxes	$138,000	2,682
Income before extraordinary items	$1,244,000	3,146
Extraordinary gains, net	$0	4
Net income	$1,244,000	3,144
Minority interest net income	$0	57
Net income of bank and minority interests.	$1,244,000	3,145
Net charge-offs	$11,000	1,790
Cash dividends	$595,000	2,078
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$1,238,600	3,180
2022-06-30 (YTD Data)		Rank
Total interest income	$2,984,000	3,186
Total interest expense	$206,000	3,167
Net interest income	$2,778,000	3,155
Provision for loan and lease losses	$63,000	1,753
Total noninterest income	$783,000	2,333
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$94,000	2,849
Trading account gains and fees	NA	NA
Additional Noninterest Income	$689,000	2,061
Total noninterest expense	$2,625,000	2,952
Salaries and employee benefits	$1,624,000	2,808
Premises and equipment expense	$215,000	3,214
Additional noninterest expense	$786,000	3,019
Pre-tax net operating income	$873,000	3,149
Securities gains (losses)	$6,000	456
Applicable income taxes	$138,000	2,404
Income before extraordinary items	$741,000	3,142
Extraordinary gains, net	$0	4
Net income	$741,000	3,141
Minority interest net income	$0	60
Net income of bank and minority interests.	$741,000	3,142
Net charge-offs	$6,000	1,731
Cash dividends	$295,000	2,263
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$735,960	3,180
2022-03-31 (YTD Data)		Rank
Total interest income	$1,453,000	3,187
Total interest expense	$98,000	3,209
Net interest income	$1,355,000	3,150
Provision for loan and lease losses	$38,000	1,488
Total noninterest income	$355,000	2,399
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$48,000	2,793
Trading account gains and fees	NA	NA
Additional Noninterest Income	$307,000	2,158
Total noninterest expense	$1,297,000	2,961
Salaries and employee benefits	$806,000	2,832
Premises and equipment expense	$106,000	3,256
Additional noninterest expense	$385,000	3,042
Pre-tax net operating income	$375,000	3,198
Securities gains (losses)	$6,000	441
Applicable income taxes	$138,000	1,857
Income before extraordinary items	$243,000	3,475
Extraordinary gains, net	$0	4
Net income	$243,000	3,474
Minority interest net income	$0	50
Net income of bank and minority interests.	$243,000	3,475
Net charge-offs	$5,000	1,366
Cash dividends	$150,000	1,853
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$238,260	3,509
2021-12-31 (YTD Data)		Rank
Total interest income	$6,579,000	3,099
Total interest expense	$398,000	3,442
Net interest income	$6,181,000	3,036
Provision for loan and lease losses	$50,000	2,549
Total noninterest income	$1,473,000	2,560
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$157,000	2,965
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,316,000	2,360
Total noninterest expense	$5,470,000	2,866
Salaries and employee benefits	$3,417,000	2,744
Premises and equipment expense	$435,000	3,218
Additional noninterest expense	$1,618,000	2,976
Pre-tax net operating income	$2,134,000	3,068
Securities gains (losses)	$0	2,062
Applicable income taxes	$2,000	3,669
Income before extraordinary items	$2,132,000	2,940
Extraordinary gains, net	$0	10
Net income	$2,132,000	2,940
Minority interest net income	$0	74
Net income of bank and minority interests.	$2,132,000	2,940
Net charge-offs	$19,000	2,086
Cash dividends	$1,375,000	1,902
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$2,132,000	2,922
2021-09-30 (YTD Data)		Rank
Total interest income	$5,125,000	3,087
Total interest expense	$299,000	3,534
Net interest income	$4,826,000	3,018
Provision for loan and lease losses	$50,000	2,340
Total noninterest income	$1,112,000	2,590
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$113,000	3,012
Trading account gains and fees	NA	NA
Additional Noninterest Income	$999,000	2,389
Total noninterest expense	$4,048,000	2,910
Salaries and employee benefits	$2,549,000	2,768
Premises and equipment expense	$312,000	3,329
Additional noninterest expense	$1,187,000	3,025
Pre-tax net operating income	$1,840,000	3,025
Securities gains (losses)	$0	2,015
Applicable income taxes	$2,000	3,639
Income before extraordinary items	$1,838,000	2,889
Extraordinary gains, net	$0	8
Net income	$1,838,000	2,889
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,838,000	2,889
Net charge-offs	$19,000	1,762
Cash dividends	$1,225,000	1,551
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$1,838,000	2,873
2021-06-30 (YTD Data)		Rank
Total interest income	$3,707,000	2,982
Total interest expense	$200,000	3,610
Net interest income	$3,507,000	2,902
Provision for loan and lease losses	$50,000	2,139
Total noninterest income	$795,000	2,482
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$73,000	3,011
Trading account gains and fees	NA	NA
Additional Noninterest Income	$722,000	2,269
Total noninterest expense	$2,718,000	2,894
Salaries and employee benefits	$1,723,000	2,734
Premises and equipment expense	$203,000	3,373
Additional noninterest expense	$792,000	3,002
Pre-tax net operating income	$1,534,000	2,747
Securities gains (losses)	$0	1,818
Applicable income taxes	$2,000	3,608
Income before extraordinary items	$1,532,000	2,594
Extraordinary gains, net	$0	6
Net income	$1,532,000	2,594
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,532,000	2,594
Net charge-offs	$18,000	1,542
Cash dividends	$850,000	1,512
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,532,000	2,564
2021-03-31 (YTD Data)		Rank
Total interest income	$1,976,000	2,887
Total interest expense	$103,000	3,656
Net interest income	$1,873,000	2,772
Provision for loan and lease losses	$25,000	2,154
Total noninterest income	$435,000	2,389
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$38,000	2,957
Trading account gains and fees	NA	NA
Additional Noninterest Income	$397,000	2,161
Total noninterest expense	$1,318,000	2,940
Salaries and employee benefits	$817,000	2,818
Premises and equipment expense	$100,000	3,410
Additional noninterest expense	$401,000	2,933
Pre-tax net operating income	$965,000	2,414
Securities gains (losses)	$0	1,392
Applicable income taxes	$2,000	3,502
Income before extraordinary items	$963,000	2,263
Extraordinary gains, net	$0	3
Net income	$963,000	2,264
Minority interest net income	$0	55
Net income of bank and minority interests.	$963,000	2,263
Net charge-offs	$19,000	1,167
Cash dividends	$250,000	1,678
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$963,000	2,218
2020-12-31 (YTD Data)		Rank
Total interest income	$6,725,000	3,125
Total interest expense	$650,000	3,538
Net interest income	$6,075,000	3,031
Provision for loan and lease losses	$214,000	2,976
Total noninterest income	$1,451,000	2,465
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$172,000	2,949
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,279,000	2,240
Total noninterest expense	$5,356,000	2,873
Salaries and employee benefits	$3,386,000	2,742
Premises and equipment expense	$405,000	3,384
Additional noninterest expense	$1,565,000	2,977
Pre-tax net operating income	$1,956,000	2,971
Securities gains (losses)	$0	2,675
Applicable income taxes	$2,000	3,614
Income before extraordinary items	$1,954,000	2,861
Extraordinary gains, net	$0	4
Net income	$1,954,000	2,860
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,954,000	2,861
Net charge-offs	$318,000	1,246
Cash dividends	$925,000	2,305
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$1,954,000	2,806
2020-09-30 (YTD Data)		Rank
Total interest income	$5,227,000	3,102
Total interest expense	$530,000	3,522
Net interest income	$4,697,000	2,999
Provision for loan and lease losses	$179,000	2,884
Total noninterest income	$1,117,000	2,401
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$128,000	2,970
Trading account gains and fees	NA	NA
Additional Noninterest Income	$989,000	2,155
Total noninterest expense	$3,894,000	2,923
Salaries and employee benefits	$2,458,000	2,782
Premises and equipment expense	$298,000	3,426
Additional noninterest expense	$1,138,000	3,011
Pre-tax net operating income	$1,741,000	2,777
Securities gains (losses)	$0	2,494
Applicable income taxes	$2,000	3,613
Income before extraordinary items	$1,739,000	2,633
Extraordinary gains, net	$0	4
Net income	$1,739,000	2,632
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,739,000	2,633
Net charge-offs	$23,000	2,435
Cash dividends	$800,000	1,906
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,739,000	2,589
2020-06-30 (YTD Data)		Rank
Total interest income	$3,697,000	3,064
Total interest expense	$378,000	3,534
Net interest income	$3,319,000	2,925
Provision for loan and lease losses	$126,000	2,781
Total noninterest income	$709,000	2,416
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$90,000	2,943
Trading account gains and fees	NA	NA
Additional Noninterest Income	$619,000	2,159
Total noninterest expense	$2,603,000	2,922
Salaries and employee benefits	$1,688,000	2,742
Premises and equipment expense	$198,000	3,421
Additional noninterest expense	$717,000	3,100
Pre-tax net operating income	$1,299,000	2,587
Securities gains (losses)	$0	2,249
Applicable income taxes	$2,000	3,555
Income before extraordinary items	$1,297,000	2,441
Extraordinary gains, net	$0	4
Net income	$1,297,000	2,439
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,297,000	2,441
Net charge-offs	$19,000	2,200
Cash dividends	$300,000	2,382
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,297,000	2,407
2020-03-31 (YTD Data)		Rank
Total interest income	$1,535,000	3,347
Total interest expense	$203,000	3,570
Net interest income	$1,332,000	3,250
Provision for loan and lease losses	$9,000	3,440
Total noninterest income	$268,000	2,651
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$52,000	3,015
Trading account gains and fees	NA	NA
Additional Noninterest Income	$216,000	2,349
Total noninterest expense	$1,228,000	3,062
Salaries and employee benefits	$795,000	2,860
Premises and equipment expense	$95,000	3,505
Additional noninterest expense	$338,000	3,248
Pre-tax net operating income	$363,000	3,175
Securities gains (losses)	$0	1,705
Applicable income taxes	$2,000	3,392
Income before extraordinary items	$361,000	3,065
Extraordinary gains, net	$0	4
Net income	$361,000	3,065
Minority interest net income	$0	56
Net income of bank and minority interests.	$361,000	3,066
Net charge-offs	$3,000	2,231
Cash dividends	$175,000	2,021
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$361,000	3,037
2019-12-31 (YTD Data)		Rank
Total interest income	$6,239,000	3,370
Total interest expense	$924,000	3,416
Net interest income	$5,315,000	3,305
Provision for loan and lease losses	$117,000	2,860
Total noninterest income	$1,352,000	2,425
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$241,000	2,926
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,111,000	2,132
Total noninterest expense	$4,860,000	3,077
Salaries and employee benefits	$2,942,000	2,974
Premises and equipment expense	$385,000	3,535
Additional noninterest expense	$1,533,000	3,049
Pre-tax net operating income	$1,690,000	3,254
Securities gains (losses)	$4,000	2,137
Applicable income taxes	$2,000	3,780
Income before extraordinary items	$1,692,000	3,118
Extraordinary gains, net	$0	11
Net income	$1,692,000	3,116
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,692,000	3,119
Net charge-offs	$0	3,726
Cash dividends	$550,000	2,903
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,688,000	3,096
2019-09-30 (YTD Data)		Rank
Total interest income	$4,657,000	3,423
Total interest expense	$701,000	3,423
Net interest income	$3,956,000	3,363
Provision for loan and lease losses	$116,000	2,480
Total noninterest income	$1,012,000	2,437
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$180,000	2,967
Trading account gains and fees	NA	NA
Additional Noninterest Income	$832,000	2,125
Total noninterest expense	$3,557,000	3,127
Salaries and employee benefits	$2,134,000	3,040
Premises and equipment expense	$294,000	3,533
Additional noninterest expense	$1,129,000	3,098
Pre-tax net operating income	$1,295,000	3,293
Securities gains (losses)	$3,000	1,926
Applicable income taxes	$2,000	3,820
Income before extraordinary items	$1,296,000	3,154
Extraordinary gains, net	$0	11
Net income	$1,296,000	3,153
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,296,000	3,154
Net charge-offs	$0	3,455
Cash dividends	$400,000	2,683
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,293,000	3,122
2019-06-30 (YTD Data)		Rank
Total interest income	$3,054,000	3,458
Total interest expense	$466,000	3,420
Net interest income	$2,588,000	3,410
Provision for loan and lease losses	$100,000	2,185
Total noninterest income	$455,000	2,924
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$119,000	2,979
Trading account gains and fees	NA	NA
Additional Noninterest Income	$336,000	2,700
Total noninterest expense	$2,344,000	3,171
Salaries and employee benefits	$1,398,000	3,082
Premises and equipment expense	$188,000	3,622
Additional noninterest expense	$758,000	3,116
Pre-tax net operating income	$599,000	3,767
Securities gains (losses)	$3,000	1,472
Applicable income taxes	$2,000	3,806
Income before extraordinary items	$600,000	3,640
Extraordinary gains, net	$0	11
Net income	$600,000	3,639
Minority interest net income	$0	69
Net income of bank and minority interests.	$600,000	3,639
Net charge-offs	$0	3,172
Cash dividends	$250,000	2,705
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$597,000	3,619
2019-03-31 (YTD Data)		Rank
Total interest income	$1,486,000	3,529
Total interest expense	$214,000	3,511
Net interest income	$1,272,000	3,477
Provision for loan and lease losses	$50,000	2,037
Total noninterest income	$221,000	2,929
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$57,000	3,036
Trading account gains and fees	NA	NA
Additional Noninterest Income	$164,000	2,653
Total noninterest expense	$1,123,000	3,275
Salaries and employee benefits	$681,000	3,160
Premises and equipment expense	$93,000	3,662
Additional noninterest expense	$349,000	3,277
Pre-tax net operating income	$320,000	3,688
Securities gains (losses)	$1,000	1,020
Applicable income taxes	$0	3,800
Income before extraordinary items	$321,000	3,530
Extraordinary gains, net	$0	5
Net income	$321,000	3,529
Minority interest net income	$0	52
Net income of bank and minority interests.	$321,000	3,529
Net charge-offs	$-2,000	4,062
Cash dividends	$150,000	2,193
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$320,000	3,529
2018-12-31 (YTD Data)		Rank
Total interest income	$5,589,000	3,567
Total interest expense	$623,000	3,610
Net interest income	$4,966,000	3,513
Provision for loan and lease losses	$50,000	3,480
Total noninterest income	$990,000	2,866
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$258,000	2,966
Trading account gains and fees	NA	NA
Additional Noninterest Income	$732,000	2,604
Total noninterest expense	$4,542,000	3,244
Salaries and employee benefits	$2,596,000	3,214
Premises and equipment expense	$381,000	3,618
Additional noninterest expense	$1,565,000	3,088
Pre-tax net operating income	$1,364,000	3,663
Securities gains (losses)	$-10,000	4,411
Applicable income taxes	$2,000	3,892
Income before extraordinary items	$1,352,000	3,507
Extraordinary gains, net	$0	6
Net income	$1,352,000	3,505
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,352,000	3,506
Net charge-offs	$0	3,782
Cash dividends	$950,000	2,294
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,362,000	3,510
2018-09-30 (YTD Data)		Rank
Total interest income	$4,108,000	3,618
Total interest expense	$434,000	3,686
Net interest income	$3,674,000	3,561
Provision for loan and lease losses	$50,000	3,168
Total noninterest income	$747,000	2,900
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$196,000	2,956
Trading account gains and fees	NA	NA
Additional Noninterest Income	$551,000	2,631
Total noninterest expense	$3,376,000	3,269
Salaries and employee benefits	$1,944,000	3,220
Premises and equipment expense	$283,000	3,669
Additional noninterest expense	$1,149,000	3,129
Pre-tax net operating income	$995,000	3,763
Securities gains (losses)	$0	1,118
Applicable income taxes	$2,000	3,934
Income before extraordinary items	$993,000	3,587
Extraordinary gains, net	$0	5
Net income	$993,000	3,586
Minority interest net income	$0	66
Net income of bank and minority interests.	$993,000	3,586
Net charge-offs	$0	3,489
Cash dividends	$725,000	2,006
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$993,000	3,587
2018-06-30 (YTD Data)		Rank
Total interest income	$2,689,000	3,642
Total interest expense	$271,000	3,720
Net interest income	$2,418,000	3,587
Provision for loan and lease losses	$50,000	2,796
Total noninterest income	$499,000	2,893
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$129,000	2,976
Trading account gains and fees	NA	NA
Additional Noninterest Income	$370,000	2,618
Total noninterest expense	$2,265,000	3,269
Salaries and employee benefits	$1,320,000	3,211
Premises and equipment expense	$190,000	3,684
Additional noninterest expense	$755,000	3,169
Pre-tax net operating income	$602,000	3,903
Securities gains (losses)	$0	961
Applicable income taxes	$2,000	3,899
Income before extraordinary items	$600,000	3,727
Extraordinary gains, net	$0	6
Net income	$600,000	3,725
Minority interest net income	$0	65
Net income of bank and minority interests.	$600,000	3,726
Net charge-offs	$1,000	3,095
Cash dividends	$550,000	1,883
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$600,000	3,730
2018-03-31 (YTD Data)		Rank
Total interest income	$1,304,000	3,710
Total interest expense	$117,000	3,896
Net interest income	$1,187,000	3,641
Provision for loan and lease losses	$25,000	2,657
Total noninterest income	$226,000	2,997
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$65,000	2,994
Trading account gains and fees	NA	NA
Additional Noninterest Income	$161,000	2,751
Total noninterest expense	$1,083,000	3,392
Salaries and employee benefits	$645,000	3,278
Premises and equipment expense	$92,000	3,783
Additional noninterest expense	$346,000	3,367
Pre-tax net operating income	$305,000	3,838
Securities gains (losses)	$0	735
Applicable income taxes	$0	3,948
Income before extraordinary items	$305,000	3,649
Extraordinary gains, net	$0	7
Net income	$305,000	3,649
Minority interest net income	$0	52
Net income of bank and minority interests.	$305,000	3,649
Net charge-offs	$3,000	2,344
Cash dividends	$200,000	1,882
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$305,000	3,653
2017-12-31 (YTD Data)		Rank
Total interest income	$5,445,000	3,600
Total interest expense	$454,000	3,826
Net interest income	$4,991,000	3,534
Provision for loan and lease losses	$160,000	2,586
Total noninterest income	$1,042,000	2,890
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$289,000	2,922
Trading account gains and fees	NA	NA
Additional Noninterest Income	$753,000	2,629
Total noninterest expense	$4,418,000	3,354
Salaries and employee benefits	$2,526,000	3,316
Premises and equipment expense	$364,000	3,836
Additional noninterest expense	$1,528,000	3,192
Pre-tax net operating income	$1,455,000	3,570
Securities gains (losses)	$0	2,243
Applicable income taxes	$2,000	4,034
Income before extraordinary items	$1,453,000	3,186
Extraordinary gains, net	$0	9
Net income	$1,453,000	3,184
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,453,000	3,186
Net charge-offs	$40,000	3,090
Cash dividends	$600,000	2,765
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,453,000	3,160
2017-09-30 (YTD Data)		Rank
Total interest income	$4,105,000	3,617
Total interest expense	$334,000	3,866
Net interest income	$3,771,000	3,551
Provision for loan and lease losses	$120,000	2,498
Total noninterest income	$750,000	2,968
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$207,000	3,014
Trading account gains and fees	NA	NA
Additional Noninterest Income	$543,000	2,710
Total noninterest expense	$3,289,000	3,385
Salaries and employee benefits	$1,886,000	3,336
Premises and equipment expense	$274,000	3,846
Additional noninterest expense	$1,129,000	3,228
Pre-tax net operating income	$1,112,000	3,595
Securities gains (losses)	$0	2,274
Applicable income taxes	$2,000	4,064
Income before extraordinary items	$1,110,000	3,354
Extraordinary gains, net	$0	9
Net income	$1,110,000	3,353
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,110,000	3,354
Net charge-offs	$39,000	2,614
Cash dividends	$475,000	2,466
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,110,000	3,326
2017-06-30 (YTD Data)		Rank
Total interest income	$2,746,000	3,620
Total interest expense	$201,000	3,989
Net interest income	$2,545,000	3,532
Provision for loan and lease losses	$80,000	2,426
Total noninterest income	$515,000	2,920
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$130,000	3,098
Trading account gains and fees	NA	NA
Additional Noninterest Income	$385,000	2,636
Total noninterest expense	$2,205,000	3,386
Salaries and employee benefits	$1,252,000	3,358
Premises and equipment expense	$182,000	3,875
Additional noninterest expense	$771,000	3,185
Pre-tax net operating income	$775,000	3,515
Securities gains (losses)	$0	1,906
Applicable income taxes	$2,000	4,063
Income before extraordinary items	$773,000	3,225
Extraordinary gains, net	$0	11
Net income	$773,000	3,224
Minority interest net income	$0	71
Net income of bank and minority interests.	$773,000	3,225
Net charge-offs	$34,000	2,273
Cash dividends	$325,000	2,421
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$773,000	3,211
2017-03-31 (YTD Data)		Rank
Total interest income	$1,242,000	3,806
Total interest expense	$93,000	4,124
Net interest income	$1,149,000	3,735
Provision for loan and lease losses	$40,000	2,253
Total noninterest income	$255,000	2,939
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$63,000	3,142
Trading account gains and fees	NA	NA
Additional Noninterest Income	$192,000	2,628
Total noninterest expense	$1,060,000	3,499
Salaries and employee benefits	$605,000	3,472
Premises and equipment expense	$89,000	3,957
Additional noninterest expense	$366,000	3,292
Pre-tax net operating income	$304,000	3,815
Securities gains (losses)	$0	1,153
Applicable income taxes	$0	4,086
Income before extraordinary items	$304,000	3,583
Extraordinary gains, net	$0	8
Net income	$304,000	3,582
Minority interest net income	$0	55
Net income of bank and minority interests.	$304,000	3,583
Net charge-offs	$-3,000	4,448
Cash dividends	$200,000	1,932
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$304,000	3,562
2016-12-31 (YTD Data)		Rank
Total interest income	$4,953,000	3,819
Total interest expense	$385,000	4,081
Net interest income	$4,568,000	3,746
Provision for loan and lease losses	$70,000	3,422
Total noninterest income	$1,015,000	3,021
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$268,000	3,143
Trading account gains and fees	$0	170
Additional Noninterest Income	$747,000	2,746
Total noninterest expense	$4,215,000	3,538
Salaries and employee benefits	$2,370,000	3,508
Premises and equipment expense	$340,000	4,083
Additional noninterest expense	$1,505,000	3,336
Pre-tax net operating income	$1,298,000	3,707
Securities gains (losses)	$14,000	2,531
Applicable income taxes	$2,000	4,157
Income before extraordinary items	$1,310,000	3,493
Extraordinary gains, net	$0	5
Net income	$1,310,000	3,491
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,310,000	3,492
Net charge-offs	$69,000	2,904
Cash dividends	$650,000	2,677
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,296,000	3,455
2016-09-30 (YTD Data)		Rank
Total interest income	$3,698,000	3,850
Total interest expense	$296,000	4,076
Net interest income	$3,402,000	3,782
Provision for loan and lease losses	$70,000	3,081
Total noninterest income	$716,000	3,116
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$197,000	3,198
Trading account gains and fees	$0	169
Additional Noninterest Income	$519,000	2,853
Total noninterest expense	$3,120,000	3,575
Salaries and employee benefits	$1,771,000	3,512
Premises and equipment expense	$250,000	4,139
Additional noninterest expense	$1,099,000	3,412
Pre-tax net operating income	$928,000	3,830
Securities gains (losses)	$14,000	2,461
Applicable income taxes	$1,000	4,258
Income before extraordinary items	$941,000	3,594
Extraordinary gains, net	$0	5
Net income	$941,000	3,592
Minority interest net income	$0	71
Net income of bank and minority interests.	$941,000	3,594
Net charge-offs	$63,000	2,422
Cash dividends	$450,000	2,507
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$927,000	3,565
2016-06-30 (YTD Data)		Rank
Total interest income	$2,461,000	3,879
Total interest expense	$198,000	4,093
Net interest income	$2,263,000	3,812
Provision for loan and lease losses	$70,000	2,604
Total noninterest income	$445,000	3,227
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$127,000	3,238
Trading account gains and fees	$0	157
Additional Noninterest Income	$318,000	2,946
Total noninterest expense	$2,101,000	3,575
Salaries and employee benefits	$1,195,000	3,512
Premises and equipment expense	$161,000	4,234
Additional noninterest expense	$745,000	3,394
Pre-tax net operating income	$537,000	4,043
Securities gains (losses)	$14,000	2,123
Applicable income taxes	$1,000	4,252
Income before extraordinary items	$550,000	3,826
Extraordinary gains, net	$0	16
Net income	$550,000	3,823
Minority interest net income	$0	71
Net income of bank and minority interests.	$550,000	3,825
Net charge-offs	$64,000	1,966
Cash dividends	$300,000	2,501
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$536,000	3,793
2016-03-31 (YTD Data)		Rank
Total interest income	$1,235,000	3,881
Total interest expense	$99,000	4,117
Net interest income	$1,136,000	3,814
Provision for loan and lease losses	$53,000	2,107
Total noninterest income	$229,000	3,149
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$64,000	3,213
Trading account gains and fees	$0	142
Additional Noninterest Income	$165,000	2,865
Total noninterest expense	$1,035,000	3,632
Salaries and employee benefits	$599,000	3,531
Premises and equipment expense	$77,000	4,340
Additional noninterest expense	$359,000	3,487
Pre-tax net operating income	$277,000	3,985
Securities gains (losses)	$0	2,077
Applicable income taxes	$0	4,259
Income before extraordinary items	$277,000	3,755
Extraordinary gains, net	$0	12
Net income	$277,000	3,752
Minority interest net income	$0	62
Net income of bank and minority interests.	$277,000	3,753
Net charge-offs	$-2,000	4,420
Cash dividends	$200,000	1,921
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$277,000	3,702
2015-12-31 (YTD Data)		Rank
Total interest income	$4,674,000	3,995
Total interest expense	$385,000	4,224
Net interest income	$4,289,000	3,927
Provision for loan and lease losses	$195,000	2,364
Total noninterest income	$855,000	3,345
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$283,000	3,145
Trading account gains and fees	$0	159
Additional Noninterest Income	$572,000	3,106
Total noninterest expense	$3,606,000	3,940
Salaries and employee benefits	$1,957,000	3,946
Premises and equipment expense	$345,000	4,204
Additional noninterest expense	$1,304,000	3,734
Pre-tax net operating income	$1,343,000	3,673
Securities gains (losses)	$39,000	1,821
Applicable income taxes	$2,000	4,277
Income before extraordinary items	$1,380,000	3,380
Extraordinary gains, net	$0	23
Net income	$1,380,000	3,378
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,380,000	3,380
Net charge-offs	$42,000	3,378
Cash dividends	$1,650,000	1,538
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,341,000	3,383
2015-09-30 (YTD Data)		Rank
Total interest income	$3,471,000	4,057
Total interest expense	$289,000	4,281
Net interest income	$3,182,000	3,985
Provision for loan and lease losses	$195,000	1,991
Total noninterest income	$642,000	3,355
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$212,000	3,167
Trading account gains and fees	$0	153
Additional Noninterest Income	$430,000	3,110
Total noninterest expense	$2,536,000	4,108
Salaries and employee benefits	$1,405,000	4,067
Premises and equipment expense	$218,000	4,573
Additional noninterest expense	$913,000	3,896
Pre-tax net operating income	$1,093,000	3,607
Securities gains (losses)	$40,000	1,615
Applicable income taxes	$1,000	4,417
Income before extraordinary items	$1,132,000	3,290
Extraordinary gains, net	$0	21
Net income	$1,132,000	3,288
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,132,000	3,289
Net charge-offs	$30,000	3,122
Cash dividends	$1,400,000	1,277
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,092,000	3,295
2015-06-30 (YTD Data)		Rank
Total interest income	$2,269,000	4,127
Total interest expense	$191,000	4,337
Net interest income	$2,078,000	4,048
Provision for loan and lease losses	$165,000	1,694
Total noninterest income	$437,000	3,317
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$145,000	3,081
Trading account gains and fees	$0	157
Additional Noninterest Income	$292,000	3,095
Total noninterest expense	$1,639,000	4,207
Salaries and employee benefits	$902,000	4,171
Premises and equipment expense	$149,000	4,561
Additional noninterest expense	$588,000	4,005
Pre-tax net operating income	$711,000	3,629
Securities gains (losses)	$0	2,636
Applicable income taxes	$1,000	4,408
Income before extraordinary items	$710,000	3,389
Extraordinary gains, net	$0	22
Net income	$710,000	3,389
Minority interest net income	$0	75
Net income of bank and minority interests.	$710,000	3,390
Net charge-offs	$30,000	2,684
Cash dividends	$700,000	1,584
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$710,000	3,327
2015-03-31 (YTD Data)		Rank
Total interest income	$1,144,000	4,119
Total interest expense	$93,000	4,419
Net interest income	$1,051,000	4,039
Provision for loan and lease losses	$83,000	1,624
Total noninterest income	$213,000	3,328
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$67,000	3,209
Trading account gains and fees	$0	152
Additional Noninterest Income	$146,000	3,052
Total noninterest expense	$792,000	4,315
Salaries and employee benefits	$454,000	4,190
Premises and equipment expense	$71,000	4,689
Additional noninterest expense	$267,000	4,219
Pre-tax net operating income	$389,000	3,415
Securities gains (losses)	$0	2,027
Applicable income taxes	$0	4,400
Income before extraordinary items	$389,000	3,174
Extraordinary gains, net	$0	13
Net income	$389,000	3,177
Minority interest net income	$0	64
Net income of bank and minority interests.	$389,000	3,177
Net charge-offs	$-2,000	4,668
Cash dividends	$250,000	1,664
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$389,000	3,099
2014-12-31 (YTD Data)		Rank
Total interest income	$4,644,000	4,130
Total interest expense	$375,000	4,595
Net interest income	$4,269,000	4,038
Provision for loan and lease losses	$120,000	2,961
Total noninterest income	$832,000	3,419
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$276,000	3,368
Trading account gains and fees	$0	180
Additional Noninterest Income	$556,000	3,123
Total noninterest expense	$3,226,000	4,314
Salaries and employee benefits	$1,785,000	4,238
Premises and equipment expense	$300,000	4,684
Additional noninterest expense	$1,141,000	4,148
Pre-tax net operating income	$1,755,000	3,210
Securities gains (losses)	$47,000	1,772
Applicable income taxes	$2,000	4,394
Income before extraordinary items	$1,800,000	2,887
Extraordinary gains, net	$0	17
Net income	$1,800,000	2,886
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,800,000	2,887
Net charge-offs	$58,000	3,643
Cash dividends	$1,050,000	1,979
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,753,000	2,898
2014-09-30 (YTD Data)		Rank
Total interest income	$3,387,000	4,236
Total interest expense	$275,000	4,688
Net interest income	$3,112,000	4,135
Provision for loan and lease losses	$90,000	2,885
Total noninterest income	$626,000	3,452
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$203,000	3,443
Trading account gains and fees	$0	174
Additional Noninterest Income	$423,000	3,157
Total noninterest expense	$2,354,000	4,395
Salaries and employee benefits	$1,333,000	4,257
Premises and equipment expense	$209,000	4,859
Additional noninterest expense	$812,000	4,297
Pre-tax net operating income	$1,294,000	3,289
Securities gains (losses)	$46,000	1,492
Applicable income taxes	$1,000	4,504
Income before extraordinary items	$1,339,000	2,951
Extraordinary gains, net	$0	15
Net income	$1,339,000	2,951
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,339,000	2,952
Net charge-offs	$46,000	3,324
Cash dividends	$800,000	1,728
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,293,000	2,954
2014-06-30 (YTD Data)		Rank
Total interest income	$2,228,000	4,277
Total interest expense	$180,000	4,766
Net interest income	$2,048,000	4,176
Provision for loan and lease losses	$60,000	2,755
Total noninterest income	$414,000	3,444
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$124,000	3,586
Trading account gains and fees	$0	172
Additional Noninterest Income	$290,000	3,092
Total noninterest expense	$1,542,000	4,474
Salaries and employee benefits	$885,000	4,294
Premises and equipment expense	$132,000	4,999
Additional noninterest expense	$525,000	4,382
Pre-tax net operating income	$860,000	3,240
Securities gains (losses)	$16,000	1,751
Applicable income taxes	$1,000	4,472
Income before extraordinary items	$875,000	2,913
Extraordinary gains, net	$0	20
Net income	$875,000	2,919
Minority interest net income	$0	80
Net income of bank and minority interests.	$875,000	2,919
Net charge-offs	$4,000	4,000
Cash dividends	$600,000	1,616
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$859,000	2,894
2014-03-31 (YTD Data)		Rank
Total interest income	$1,092,000	4,349
Total interest expense	$88,000	4,865
Net interest income	$1,004,000	4,234
Provision for loan and lease losses	$30,000	2,577
Total noninterest income	$217,000	3,327
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$66,000	3,449
Trading account gains and fees	$0	147
Additional Noninterest Income	$151,000	2,958
Total noninterest expense	$740,000	4,616
Salaries and employee benefits	$448,000	4,318
Premises and equipment expense	$64,000	5,110
Additional noninterest expense	$228,000	4,698
Pre-tax net operating income	$451,000	3,089
Securities gains (losses)	$0	1,715
Applicable income taxes	$0	4,445
Income before extraordinary items	$451,000	2,773
Extraordinary gains, net	$0	16
Net income	$451,000	2,776
Minority interest net income	$0	66
Net income of bank and minority interests.	$451,000	2,776
Net charge-offs	$2,000	3,350
Cash dividends	$200,000	1,744
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$451,000	2,731
2013-12-31 (YTD Data)		Rank
Total interest income	$4,500,000	4,348
Total interest expense	$414,000	4,834
Net interest income	$4,086,000	4,223
Provision for loan and lease losses	$180,000	3,069
Total noninterest income	$857,000	3,500
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$262,000	3,621
Trading account gains and fees	$0	184
Additional Noninterest Income	$595,000	3,128
Total noninterest expense	$2,962,000	4,638
Salaries and employee benefits	$1,773,000	4,354
Premises and equipment expense	$239,000	5,284
Additional noninterest expense	$950,000	4,686
Pre-tax net operating income	$1,801,000	3,056
Securities gains (losses)	$0	3,182
Applicable income taxes	$3,000	4,470
Income before extraordinary items	$1,798,000	2,809
Extraordinary gains, net	$0	29
Net income	$1,798,000	2,811
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,798,000	2,812
Net charge-offs	$56,000	4,265
Cash dividends	$1,725,000	1,346
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,798,000	2,750
2013-09-30 (YTD Data)		Rank
Total interest income	$3,370,000	4,394
Total interest expense	$323,000	4,859
Net interest income	$3,047,000	4,270
Provision for loan and lease losses	$135,000	3,044
Total noninterest income	$647,000	3,546
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$189,000	3,723
Trading account gains and fees	$0	180
Additional Noninterest Income	$458,000	3,154
Total noninterest expense	$2,229,000	4,653
Salaries and employee benefits	$1,357,000	4,316
Premises and equipment expense	$180,000	5,291
Additional noninterest expense	$692,000	4,780
Pre-tax net operating income	$1,330,000	3,152
Securities gains (losses)	$0	3,040
Applicable income taxes	$3,000	4,538
Income before extraordinary items	$1,327,000	2,878
Extraordinary gains, net	$0	25
Net income	$1,327,000	2,882
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,327,000	2,882
Net charge-offs	$29,000	4,207
Cash dividends	$1,575,000	1,061
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,327,000	2,805
2013-06-30 (YTD Data)		Rank
Total interest income	$2,244,000	4,405
Total interest expense	$219,000	4,888
Net interest income	$2,025,000	4,287
Provision for loan and lease losses	$90,000	3,034
Total noninterest income	$444,000	3,518
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$120,000	3,780
Trading account gains and fees	$0	157
Additional Noninterest Income	$324,000	3,103
Total noninterest expense	$1,497,000	4,651
Salaries and employee benefits	$914,000	4,330
Premises and equipment expense	$118,000	5,339
Additional noninterest expense	$465,000	4,774
Pre-tax net operating income	$882,000	3,143
Securities gains (losses)	$0	2,791
Applicable income taxes	$3,000	4,453
Income before extraordinary items	$879,000	2,881
Extraordinary gains, net	$0	22
Net income	$879,000	2,885
Minority interest net income	$0	82
Net income of bank and minority interests.	$879,000	2,885
Net charge-offs	$29,000	3,772
Cash dividends	$1,575,000	765
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$879,000	2,797
2013-03-31 (YTD Data)		Rank
Total interest income	$1,110,000	4,462
Total interest expense	$114,000	4,892
Net interest income	$996,000	4,341
Provision for loan and lease losses	$45,000	2,886
Total noninterest income	$216,000	3,526
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$61,000	3,736
Trading account gains and fees	$0	148
Additional Noninterest Income	$155,000	3,131
Total noninterest expense	$737,000	4,727
Salaries and employee benefits	$464,000	4,333
Premises and equipment expense	$58,000	5,397
Additional noninterest expense	$215,000	4,999
Pre-tax net operating income	$430,000	3,168
Securities gains (losses)	$0	1,966
Applicable income taxes	$3,000	4,340
Income before extraordinary items	$427,000	2,909
Extraordinary gains, net	$0	10
Net income	$427,000	2,909
Minority interest net income	$0	76
Net income of bank and minority interests.	$427,000	2,911
Net charge-offs	$23,000	2,983
Cash dividends	$175,000	1,710
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$427,000	2,818
2012-12-31 (YTD Data)		Rank
Total interest income	$4,705,000	4,454
Total interest expense	$550,000	4,944
Net interest income	$4,155,000	4,312
Provision for loan and lease losses	$345,000	3,205
Total noninterest income	$854,000	3,535
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$229,000	4,015
Trading account gains and fees	$0	166
Additional Noninterest Income	$625,000	3,046
Total noninterest expense	$2,910,000	4,815
Salaries and employee benefits	$1,752,000	4,461
Premises and equipment expense	$232,000	5,495
Additional noninterest expense	$926,000	4,966
Pre-tax net operating income	$1,754,000	3,059
Securities gains (losses)	$0	3,810
Applicable income taxes	$1,000	4,670
Income before extraordinary items	$1,753,000	2,846
Extraordinary gains, net	$0	29
Net income	$1,753,000	2,849
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,753,000	2,848
Net charge-offs	$143,000	4,097
Cash dividends	$725,000	2,344
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,753,000	2,718
2012-09-30 (YTD Data)		Rank
Total interest income	$3,545,000	4,519
Total interest expense	$426,000	5,005
Net interest income	$3,119,000	4,371
Provision for loan and lease losses	$315,000	2,902
Total noninterest income	$635,000	3,585
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$168,000	4,101
Trading account gains and fees	$0	157
Additional Noninterest Income	$467,000	3,051
Total noninterest expense	$2,124,000	4,913
Salaries and employee benefits	$1,311,000	4,491
Premises and equipment expense	$170,000	5,588
Additional noninterest expense	$643,000	5,180
Pre-tax net operating income	$1,315,000	3,130
Securities gains (losses)	$0	3,575
Applicable income taxes	$1,000	4,707
Income before extraordinary items	$1,314,000	2,890
Extraordinary gains, net	$0	20
Net income	$1,314,000	2,890
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,314,000	2,889
Net charge-offs	$77,000	4,209
Cash dividends	$725,000	1,639
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,314,000	2,759
2012-06-30 (YTD Data)		Rank
Total interest income	$2,344,000	4,584
Total interest expense	$296,000	5,016
Net interest income	$2,048,000	4,421
Provision for loan and lease losses	$225,000	2,827
Total noninterest income	$388,000	3,716
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$111,000	4,104
Trading account gains and fees	$0	153
Additional Noninterest Income	$277,000	3,177
Total noninterest expense	$1,386,000	4,993
Salaries and employee benefits	$864,000	4,547
Premises and equipment expense	$109,000	5,664
Additional noninterest expense	$413,000	5,288
Pre-tax net operating income	$825,000	3,216
Securities gains (losses)	$0	3,178
Applicable income taxes	$1,000	4,644
Income before extraordinary items	$824,000	2,972
Extraordinary gains, net	$0	19
Net income	$824,000	2,972
Minority interest net income	$0	84
Net income of bank and minority interests.	$824,000	2,972
Net charge-offs	$65,000	3,794
Cash dividends	$550,000	1,501
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$824,000	2,829
2012-03-31 (YTD Data)		Rank
Total interest income	$1,167,000	4,634
Total interest expense	$155,000	5,022
Net interest income	$1,012,000	4,485
Provision for loan and lease losses	$135,000	2,529
Total noninterest income	$200,000	3,646
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$54,000	4,145
Trading account gains and fees	$0	148
Additional Noninterest Income	$146,000	3,105
Total noninterest expense	$694,000	5,025
Salaries and employee benefits	$448,000	4,483
Premises and equipment expense	$53,000	5,750
Additional noninterest expense	$193,000	5,440
Pre-tax net operating income	$383,000	3,385
Securities gains (losses)	$0	2,210
Applicable income taxes	$1,000	4,577
Income before extraordinary items	$382,000	3,171
Extraordinary gains, net	$0	19
Net income	$382,000	3,175
Minority interest net income	$0	78
Net income of bank and minority interests.	$382,000	3,175
Net charge-offs	$57,000	2,915
Cash dividends	$200,000	1,565
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$382,000	3,008
2011-12-31 (YTD Data)		Rank
Total interest income	$4,784,000	4,677
Total interest expense	$766,000	5,016
Net interest income	$4,018,000	4,522
Provision for loan and lease losses	$210,000	4,576
Total noninterest income	$639,000	3,944
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$257,000	3,903
Trading account gains and fees	$0	146
Additional Noninterest Income	$382,000	3,502
Total noninterest expense	$2,796,000	5,068
Salaries and employee benefits	$1,698,000	4,614
Premises and equipment expense	$225,000	5,813
Additional noninterest expense	$873,000	5,235
Pre-tax net operating income	$1,651,000	2,870
Securities gains (losses)	$0	3,838
Applicable income taxes	$0	4,719
Income before extraordinary items	$1,651,000	2,582
Extraordinary gains, net	$0	29
Net income	$1,651,000	2,582
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,651,000	2,583
Net charge-offs	$401,000	3,443
Cash dividends	$1,000,000	1,609
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,651,000	2,503
2011-09-30 (YTD Data)		Rank
Total interest income	$3,559,000	4,754
Total interest expense	$596,000	5,052
Net interest income	$2,963,000	4,596
Provision for loan and lease losses	$135,000	4,615
Total noninterest income	$470,000	4,011
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$193,000	3,919
Trading account gains and fees	$0	145
Additional Noninterest Income	$277,000	3,582
Total noninterest expense	$2,068,000	5,112
Salaries and employee benefits	$1,279,000	4,610
Premises and equipment expense	$170,000	5,833
Additional noninterest expense	$619,000	5,374
Pre-tax net operating income	$1,230,000	2,958
Securities gains (losses)	$0	3,555
Applicable income taxes	$0	4,740
Income before extraordinary items	$1,230,000	2,679
Extraordinary gains, net	$0	21
Net income	$1,230,000	2,681
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,230,000	2,681
Net charge-offs	$14,000	5,673
Cash dividends	$800,000	1,350
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,230,000	2,582
2011-06-30 (YTD Data)		Rank
Total interest income	$2,365,000	4,808
Total interest expense	$412,000	5,079
Net interest income	$1,953,000	4,652
Provision for loan and lease losses	$105,000	4,333
Total noninterest income	$276,000	4,275
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$123,000	3,990
Trading account gains and fees	$0	153
Additional Noninterest Income	$153,000	3,915
Total noninterest expense	$1,375,000	5,165
Salaries and employee benefits	$842,000	4,682
Premises and equipment expense	$115,000	5,844
Additional noninterest expense	$418,000	5,422
Pre-tax net operating income	$749,000	3,056
Securities gains (losses)	$0	2,914
Applicable income taxes	$0	4,697
Income before extraordinary items	$749,000	2,788
Extraordinary gains, net	$0	15
Net income	$749,000	2,789
Minority interest net income	$0	89
Net income of bank and minority interests.	$749,000	2,789
Net charge-offs	$6,000	5,501
Cash dividends	$600,000	1,233
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$749,000	2,704
2011-03-31 (YTD Data)		Rank
Total interest income	$1,177,000	4,857
Total interest expense	$219,000	5,052
Net interest income	$958,000	4,697
Provision for loan and lease losses	$75,000	3,668
Total noninterest income	$162,000	4,007
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$60,000	4,009
Trading account gains and fees	$0	158
Additional Noninterest Income	$102,000	3,535
Total noninterest expense	$700,000	5,161
Salaries and employee benefits	$429,000	4,664
Premises and equipment expense	$60,000	5,830
Additional noninterest expense	$211,000	5,396
Pre-tax net operating income	$345,000	3,267
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$345,000	2,959
Extraordinary gains, net	$0	9
Net income	$345,000	2,958
Minority interest net income	$0	86
Net income of bank and minority interests.	$345,000	2,959
Net charge-offs	$0	5,107
Cash dividends	$225,000	1,323
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$345,000	2,906
2010-12-31 (YTD Data)		Rank
Total interest income	$4,977,000	4,825
Total interest expense	$1,062,000	5,088
Net interest income	$3,915,000	4,642
Provision for loan and lease losses	$285,000	4,926
Total noninterest income	$672,000	4,015
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$243,000	4,062
Trading account gains and fees	$0	175
Additional Noninterest Income	$429,000	3,401
Total noninterest expense	$2,755,000	5,261
Salaries and employee benefits	$1,642,000	4,798
Premises and equipment expense	$236,000	5,899
Additional noninterest expense	$877,000	5,408
Pre-tax net operating income	$1,547,000	2,680
Securities gains (losses)	$0	3,793
Applicable income taxes	$2,000	4,467
Income before extraordinary items	$1,545,000	2,466
Extraordinary gains, net	$0	29
Net income	$1,545,000	2,463
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,545,000	2,468
Net charge-offs	$134,000	5,158
Cash dividends	$675,000	1,980
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,545,000	2,365
2010-09-30 (YTD Data)		Rank
Total interest income	$3,761,000	4,907
Total interest expense	$806,000	5,210
Net interest income	$2,955,000	4,691
Provision for loan and lease losses	$225,000	4,711
Total noninterest income	$493,000	4,103
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$182,000	4,127
Trading account gains and fees	$0	165
Additional Noninterest Income	$311,000	3,501
Total noninterest expense	$2,028,000	5,325
Salaries and employee benefits	$1,231,000	4,830
Premises and equipment expense	$176,000	5,981
Additional noninterest expense	$621,000	5,567
Pre-tax net operating income	$1,195,000	2,781
Securities gains (losses)	$0	3,651
Applicable income taxes	$2,000	4,515
Income before extraordinary items	$1,193,000	2,555
Extraordinary gains, net	$0	23
Net income	$1,193,000	2,551
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,193,000	2,556
Net charge-offs	$64,000	5,324
Cash dividends	$500,000	1,751
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,193,000	2,416
2010-06-30 (YTD Data)		Rank
Total interest income	$2,505,000	4,944
Total interest expense	$544,000	5,280
Net interest income	$1,961,000	4,714
Provision for loan and lease losses	$150,000	4,587
Total noninterest income	$306,000	4,221
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$121,000	4,119
Trading account gains and fees	$0	152
Additional Noninterest Income	$185,000	3,630
Total noninterest expense	$1,351,000	5,347
Salaries and employee benefits	$826,000	4,838
Premises and equipment expense	$115,000	6,042
Additional noninterest expense	$410,000	5,600
Pre-tax net operating income	$766,000	2,868
Securities gains (losses)	$0	3,184
Applicable income taxes	$2,000	4,454
Income before extraordinary items	$764,000	2,587
Extraordinary gains, net	$0	19
Net income	$764,000	2,584
Minority interest net income	$0	105
Net income of bank and minority interests.	$764,000	2,586
Net charge-offs	$75,000	4,534
Cash dividends	$350,000	1,736
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$764,000	2,479
2010-03-31 (YTD Data)		Rank
Total interest income	$1,232,000	5,056
Total interest expense	$277,000	5,376
Net interest income	$955,000	4,804
Provision for loan and lease losses	$75,000	4,293
Total noninterest income	$141,000	4,413
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$58,000	4,200
Trading account gains and fees	$0	175
Additional Noninterest Income	$83,000	3,837
Total noninterest expense	$663,000	5,464
Salaries and employee benefits	$419,000	4,858
Premises and equipment expense	$57,000	6,162
Additional noninterest expense	$187,000	5,848
Pre-tax net operating income	$358,000	3,033
Securities gains (losses)	$0	2,284
Applicable income taxes	$2,000	4,347
Income before extraordinary items	$356,000	2,787
Extraordinary gains, net	$0	16
Net income	$356,000	2,784
Minority interest net income	$0	91
Net income of bank and minority interests.	$356,000	2,787
Net charge-offs	$73,000	3,394
Cash dividends	$200,000	1,369
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$356,000	2,672
2009-12-31 (YTD Data)		Rank
Total interest income	$5,147,000	5,051
Total interest expense	$1,485,000	5,184
Net interest income	$3,662,000	4,841
Provision for loan and lease losses	$230,000	5,611
Total noninterest income	$675,000	4,140
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$293,000	3,915
Trading account gains and fees	$0	211
Additional Noninterest Income	$382,000	3,608
Total noninterest expense	$2,594,000	5,587
Salaries and employee benefits	$1,552,000	5,083
Premises and equipment expense	$248,000	6,080
Additional noninterest expense	$794,000	5,839
Pre-tax net operating income	$1,513,000	2,334
Securities gains (losses)	$0	3,754
Applicable income taxes	$3,000	4,116
Income before extraordinary items	$1,510,000	2,107
Extraordinary gains, net	$0	34
Net income	$1,510,000	2,104
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,510,000	2,106
Net charge-offs	$167,000	5,204
Cash dividends	$1,005,000	1,614
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,510,000	2,074
2009-09-30 (YTD Data)		Rank
Total interest income	$3,870,000	5,109
Total interest expense	$1,170,000	5,221
Net interest income	$2,700,000	4,898
Provision for loan and lease losses	$185,000	5,248
Total noninterest income	$528,000	4,128
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$217,000	3,954
Trading account gains and fees	$0	212
Additional Noninterest Income	$311,000	3,566
Total noninterest expense	$1,948,000	5,593
Salaries and employee benefits	$1,176,000	5,098
Premises and equipment expense	$188,000	6,103
Additional noninterest expense	$584,000	5,886
Pre-tax net operating income	$1,095,000	2,585
Securities gains (losses)	$0	3,497
Applicable income taxes	$3,000	4,321
Income before extraordinary items	$1,092,000	2,333
Extraordinary gains, net	$0	27
Net income	$1,092,000	2,329
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,092,000	2,332
Net charge-offs	$141,000	4,693
Cash dividends	$1,005,000	1,235
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,092,000	2,290
2009-06-30 (YTD Data)		Rank
Total interest income	$2,592,000	5,138
Total interest expense	$814,000	5,238
Net interest income	$1,778,000	4,918
Provision for loan and lease losses	$110,000	5,210
Total noninterest income	$354,000	4,097
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$140,000	4,011
Trading account gains and fees	$0	193
Additional Noninterest Income	$214,000	3,551
Total noninterest expense	$1,285,000	5,669
Salaries and employee benefits	$799,000	5,100
Premises and equipment expense	$126,000	6,151
Additional noninterest expense	$360,000	6,090
Pre-tax net operating income	$737,000	2,666
Securities gains (losses)	$0	3,136
Applicable income taxes	$2,000	4,423
Income before extraordinary items	$735,000	2,378
Extraordinary gains, net	$0	21
Net income	$735,000	2,376
Minority interest net income	$0	112
Net income of bank and minority interests.	$735,000	2,378
Net charge-offs	$133,000	3,913
Cash dividends	$705,000	1,251
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$735,000	2,308
2009-03-31 (YTD Data)		Rank
Total interest income	$1,277,000	5,212
Total interest expense	$426,000	5,228
Net interest income	$851,000	5,036
Provision for loan and lease losses	$45,000	4,992
Total noninterest income	$166,000	4,188
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$71,000	3,933
Trading account gains and fees	$0	171
Additional Noninterest Income	$95,000	3,736
Total noninterest expense	$630,000	5,670
Salaries and employee benefits	$401,000	5,141
Premises and equipment expense	$61,000	6,267
Additional noninterest expense	$168,000	6,037
Pre-tax net operating income	$342,000	3,120
Securities gains (losses)	$0	2,434
Applicable income taxes	$2,000	4,551
Income before extraordinary items	$340,000	2,881
Extraordinary gains, net	$0	15
Net income	$340,000	2,881
Minority interest net income	$0	102
Net income of bank and minority interests.	$340,000	2,882
Net charge-offs	$76,000	3,153
Cash dividends	$375,000	1,165
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$340,000	2,750
2008-12-31 (YTD Data)		Rank
Total interest income	$5,465,000	5,206
Total interest expense	$2,005,000	5,294
Net interest income	$3,460,000	5,014
Provision for loan and lease losses	$270,000	4,804
Total noninterest income	$601,000	4,472
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$356,000	3,685
Trading account gains and fees	$0	154
Additional Noninterest Income	$245,000	4,483
Total noninterest expense	$2,404,000	5,741
Salaries and employee benefits	$1,483,000	5,371
Premises and equipment expense	$256,000	6,190
Additional noninterest expense	$665,000	5,958
Pre-tax net operating income	$1,387,000	3,153
Securities gains (losses)	$0	3,220
Applicable income taxes	$6,000	4,630
Income before extraordinary items	$1,381,000	2,665
Extraordinary gains, net	$0	39
Net income	$1,381,000	2,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	5,111
Cash dividends	$975,000	2,360
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,381,000	2,812
2008-09-30 (YTD Data)		Rank
Total interest income	$4,111,000	5,273
Total interest expense	$1,538,000	5,361
Net interest income	$2,573,000	5,079
Provision for loan and lease losses	$224,000	4,051
Total noninterest income	$463,000	4,503
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$272,000	3,676
Trading account gains and fees	$0	148
Additional Noninterest Income	$191,000	4,515
Total noninterest expense	$1,788,000	5,767
Salaries and employee benefits	$1,123,000	5,357
Premises and equipment expense	$193,000	6,192
Additional noninterest expense	$472,000	6,062
Pre-tax net operating income	$1,024,000	3,639
Securities gains (losses)	$0	3,106
Applicable income taxes	$6,000	4,986
Income before extraordinary items	$1,018,000	3,067
Extraordinary gains, net	$0	31
Net income	$1,018,000	3,063
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	4,182
Cash dividends	$775,000	2,140
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,018,000	3,218
2008-06-30 (YTD Data)		Rank
Total interest income	$2,741,000	5,345
Total interest expense	$1,062,000	5,421
Net interest income	$1,679,000	5,144
Provision for loan and lease losses	$185,000	3,276
Total noninterest income	$297,000	4,647
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$176,000	3,741
Trading account gains and fees	$0	149
Additional Noninterest Income	$121,000	4,711
Total noninterest expense	$1,204,000	5,782
Salaries and employee benefits	$757,000	5,382
Premises and equipment expense	$127,000	6,258
Additional noninterest expense	$320,000	6,011
Pre-tax net operating income	$587,000	4,066
Securities gains (losses)	$0	3,233
Applicable income taxes	$6,000	5,175
Income before extraordinary items	$581,000	3,711
Extraordinary gains, net	$0	21
Net income	$581,000	3,712
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	3,727
Cash dividends	$625,000	1,994
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$581,000	3,650
2008-03-31 (YTD Data)		Rank
Total interest income	$1,352,000	5,468
Total interest expense	$547,000	5,532
Net interest income	$805,000	5,294
Provision for loan and lease losses	$36,000	4,202
Total noninterest income	$141,000	4,753
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$78,000	3,924
Trading account gains and fees	$0	158
Additional Noninterest Income	$63,000	4,607
Total noninterest expense	$591,000	5,850
Salaries and employee benefits	$373,000	5,451
Premises and equipment expense	$63,000	6,324
Additional noninterest expense	$155,000	6,092
Pre-tax net operating income	$319,000	4,006
Securities gains (losses)	$0	2,688
Applicable income taxes	$6,000	5,045
Income before extraordinary items	$313,000	3,710
Extraordinary gains, net	$0	15
Net income	$313,000	3,714
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	3,915
Cash dividends	$300,000	1,850
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$313,000	3,623
2007-12-31 (YTD Data)		Rank
Total interest income	$5,361,000	5,530
Total interest expense	$2,290,000	5,510
Net interest income	$3,071,000	5,436
Provision for loan and lease losses	$120,000	4,617
Total noninterest income	$623,000	4,558
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$347,000	3,797
Trading account gains and fees	$0	178
Additional Noninterest Income	$276,000	4,402
Total noninterest expense	$2,318,000	5,817
Salaries and employee benefits	$1,381,000	5,551
Premises and equipment expense	$264,000	6,104
Additional noninterest expense	$673,000	5,833
Pre-tax net operating income	$1,256,000	4,266
Securities gains (losses)	$-5,000	7,390
Applicable income taxes	$0	6,070
Income before extraordinary items	$1,251,000	3,852
Extraordinary gains, net	$0	39
Net income	$1,251,000	3,851
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$110,000	3,637
Cash dividends	$600,000	3,413
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,256,000	3,832
2007-09-30 (YTD Data)		Rank
Total interest income	$3,952,000	5,599
Total interest expense	$1,702,000	5,534
Net interest income	$2,250,000	5,535
Provision for loan and lease losses	$90,000	4,255
Total noninterest income	$457,000	4,620
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$251,000	3,874
Trading account gains and fees	$0	184
Additional Noninterest Income	$206,000	4,435
Total noninterest expense	$1,683,000	5,883
Salaries and employee benefits	$1,033,000	5,528
Premises and equipment expense	$197,000	6,112
Additional noninterest expense	$453,000	6,087
Pre-tax net operating income	$934,000	4,513
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$934,000	4,023
Extraordinary gains, net	$0	33
Net income	$934,000	4,023
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	3,620
Cash dividends	$400,000	3,222
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$934,000	4,003
2007-06-30 (YTD Data)		Rank
Total interest income	$2,576,000	5,693
Total interest expense	$1,114,000	5,595
Net interest income	$1,462,000	5,636
Provision for loan and lease losses	$60,000	3,990
Total noninterest income	$302,000	4,647
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$162,000	3,940
Trading account gains and fees	$0	168
Additional Noninterest Income	$140,000	4,458
Total noninterest expense	$1,123,000	5,916
Salaries and employee benefits	$689,000	5,603
Premises and equipment expense	$109,000	6,588
Additional noninterest expense	$325,000	5,894
Pre-tax net operating income	$581,000	4,744
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$581,000	4,226
Extraordinary gains, net	$0	29
Net income	$581,000	4,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	2,815
Cash dividends	$300,000	3,098
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$581,000	4,214
2007-03-31 (YTD Data)		Rank
Total interest income	$1,264,000	5,750
Total interest expense	$553,000	5,602
Net interest income	$711,000	5,723
Provision for loan and lease losses	$30,000	3,737
Total noninterest income	$137,000	4,832
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$71,000	4,138
Trading account gains and fees	$0	195
Additional Noninterest Income	$66,000	4,572
Total noninterest expense	$556,000	5,983
Salaries and employee benefits	$349,000	5,598
Premises and equipment expense	$67,000	6,138
Additional noninterest expense	$140,000	6,307
Pre-tax net operating income	$262,000	4,954
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$262,000	4,460
Extraordinary gains, net	$0	22
Net income	$262,000	4,462
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,049
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$262,000	4,447
2006-12-31 (YTD Data)		Rank
Total interest income	$4,911,000	5,602
Total interest expense	$1,917,000	5,525
Net interest income	$2,994,000	5,536
Provision for loan and lease losses	$104,000	4,671
Total noninterest income	$509,000	5,093
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$299,000	4,140
Trading account gains and fees	$0	130
Additional Noninterest Income	$210,000	5,026
Total noninterest expense	$2,272,000	5,779
Salaries and employee benefits	$1,364,000	5,486
Premises and equipment expense	$299,000	5,755
Additional noninterest expense	$609,000	6,026
Pre-tax net operating income	$1,127,000	4,926
Securities gains (losses)	$-57,000	7,993
Applicable income taxes	$-4,000	8,160
Income before extraordinary items	$1,074,000	4,550
Extraordinary gains, net	$0	51
Net income	$1,074,000	4,552
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	4,423
Cash dividends	$675,000	3,260
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,131,000	4,395
2006-09-30 (YTD Data)		Rank
Total interest income	$3,637,000	5,644
Total interest expense	$1,391,000	5,547
Net interest income	$2,246,000	5,579
Provision for loan and lease losses	$78,000	4,538
Total noninterest income	$375,000	5,158
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$222,000	4,198
Trading account gains and fees	$0	126
Additional Noninterest Income	$153,000	5,083
Total noninterest expense	$1,717,000	5,745
Salaries and employee benefits	$1,040,000	5,422
Premises and equipment expense	$231,000	5,703
Additional noninterest expense	$446,000	6,088
Pre-tax net operating income	$826,000	5,167
Securities gains (losses)	$-57,000	8,226
Applicable income taxes	$-4,000	8,388
Income before extraordinary items	$773,000	4,778
Extraordinary gains, net	$0	45
Net income	$773,000	4,782
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	3,673
Cash dividends	$575,000	2,743
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$830,000	4,606
2006-06-30 (YTD Data)		Rank
Total interest income	$2,343,000	5,714
Total interest expense	$842,000	5,674
Net interest income	$1,501,000	5,588
Provision for loan and lease losses	$52,000	4,390
Total noninterest income	$241,000	5,234
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$147,000	4,180
Trading account gains and fees	$0	126
Additional Noninterest Income	$94,000	5,267
Total noninterest expense	$1,164,000	5,707
Salaries and employee benefits	$716,000	5,344
Premises and equipment expense	$156,000	5,678
Additional noninterest expense	$292,000	6,152
Pre-tax net operating income	$526,000	5,295
Securities gains (losses)	$-56,000	8,390
Applicable income taxes	$-4,000	8,452
Income before extraordinary items	$474,000	5,018
Extraordinary gains, net	$0	39
Net income	$474,000	5,023
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	4,097
Cash dividends	$325,000	2,993
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$530,000	4,726
2006-03-31 (YTD Data)		Rank
Total interest income	$1,122,000	5,791
Total interest expense	$394,000	5,745
Net interest income	$728,000	5,684
Provision for loan and lease losses	$26,000	4,229
Total noninterest income	$109,000	5,421
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$65,000	4,375
Trading account gains and fees	$0	115
Additional Noninterest Income	$44,000	5,355
Total noninterest expense	$588,000	5,687
Salaries and employee benefits	$365,000	5,310
Premises and equipment expense	$81,000	5,603
Additional noninterest expense	$142,000	6,219
Pre-tax net operating income	$223,000	5,599
Securities gains (losses)	$-56,000	8,587
Applicable income taxes	$0	6,588
Income before extraordinary items	$167,000	5,722
Extraordinary gains, net	$0	21
Net income	$167,000	5,723
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	3,331
Cash dividends	$175,000	2,559
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$223,000	5,089
2005-12-31 (YTD Data)		Rank
Total interest income	$4,384,000	5,563
Total interest expense	$1,360,000	5,493
Net interest income	$3,024,000	5,483
Provision for loan and lease losses	$59,000	5,586
Total noninterest income	$593,000	4,814
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$314,000	4,072
Trading account gains and fees	$0	138
Additional Noninterest Income	$279,000	4,500
Total noninterest expense	$2,558,000	5,304
Salaries and employee benefits	$1,553,000	4,937
Premises and equipment expense	$353,000	5,256
Additional noninterest expense	$652,000	5,791
Pre-tax net operating income	$1,000,000	5,363
Securities gains (losses)	$-34,000	8,043
Applicable income taxes	$10,000	6,543
Income before extraordinary items	$956,000	4,938
Extraordinary gains, net	$0	46
Net income	$956,000	4,939
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	3,923
Cash dividends	$500,000	3,617
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$989,660	4,832
2005-09-30 (YTD Data)		Rank
Total interest income	$3,243,000	5,576
Total interest expense	$993,000	5,451
Net interest income	$2,250,000	5,526
Provision for loan and lease losses	$36,000	5,642
Total noninterest income	$474,000	4,687
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$233,000	4,111
Trading account gains and fees	$0	126
Additional Noninterest Income	$241,000	4,195
Total noninterest expense	$1,913,000	5,288
Salaries and employee benefits	$1,177,000	4,885
Premises and equipment expense	$267,000	5,208
Additional noninterest expense	$469,000	5,904
Pre-tax net operating income	$775,000	5,403
Securities gains (losses)	$-30,000	8,328
Applicable income taxes	$8,000	6,588
Income before extraordinary items	$737,000	4,958
Extraordinary gains, net	$0	35
Net income	$737,000	4,959
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	3,450
Cash dividends	$375,000	3,213
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$766,700	4,832
2005-06-30 (YTD Data)		Rank
Total interest income	$2,115,000	5,574
Total interest expense	$628,000	5,439
Net interest income	$1,487,000	5,524
Provision for loan and lease losses	$25,000	5,445
Total noninterest income	$287,000	4,902
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$148,000	4,183
Trading account gains and fees	$0	116
Additional Noninterest Income	$139,000	4,488
Total noninterest expense	$1,283,000	5,251
Salaries and employee benefits	$796,000	4,823
Premises and equipment expense	$176,000	5,238
Additional noninterest expense	$311,000	5,901
Pre-tax net operating income	$466,000	5,624
Securities gains (losses)	$-20,000	8,361
Applicable income taxes	$5,000	6,626
Income before extraordinary items	$441,000	5,202
Extraordinary gains, net	$0	30
Net income	$441,000	5,204
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	2,903
Cash dividends	$250,000	3,195
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$460,800	5,044
2005-03-31 (YTD Data)		Rank
Total interest income	$1,035,000	5,625
Total interest expense	$305,000	5,431
Net interest income	$730,000	5,613
Provision for loan and lease losses	$0	6,226
Total noninterest income	$136,000	4,970
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$67,000	4,356
Trading account gains and fees	$0	115
Additional Noninterest Income	$69,000	4,489
Total noninterest expense	$625,000	5,382
Salaries and employee benefits	$395,000	4,882
Premises and equipment expense	$84,000	5,420
Additional noninterest expense	$146,000	6,094
Pre-tax net operating income	$241,000	5,528
Securities gains (losses)	$-14,000	8,607
Applicable income taxes	$1,000	6,740
Income before extraordinary items	$226,000	5,122
Extraordinary gains, net	$0	24
Net income	$226,000	5,123
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,232
Cash dividends	$125,000	2,728
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$240,000	4,929
2004-12-31 (YTD Data)		Rank
Total interest income	$3,944,000	5,591
Total interest expense	$1,158,000	5,216
Net interest income	$2,786,000	5,658
Provision for loan and lease losses	$78,000	5,363
Total noninterest income	$511,000	5,211
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$287,000	4,415
Trading account gains and fees	$0	138
Additional Noninterest Income	$224,000	4,865
Total noninterest expense	$2,515,000	5,283
Salaries and employee benefits	$1,358,000	5,287
Premises and equipment expense	$355,000	5,156
Additional noninterest expense	$802,000	5,086
Pre-tax net operating income	$704,000	6,091
Securities gains (losses)	$-31,000	8,491
Applicable income taxes	$16,000	6,625
Income before extraordinary items	$657,000	5,745
Extraordinary gains, net	$0	34
Net income	$657,000	5,747
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	4,118
Cash dividends	$500,000	3,518
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$687,380	5,575
2004-09-30 (YTD Data)		Rank
Total interest income	$2,902,000	5,647
Total interest expense	$854,000	5,242
Net interest income	$2,048,000	5,716
Provision for loan and lease losses	$53,000	5,328
Total noninterest income	$354,000	5,438
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$201,000	4,621
Trading account gains and fees	$0	134
Additional Noninterest Income	$153,000	5,081
Total noninterest expense	$1,778,000	5,444
Salaries and employee benefits	$997,000	5,334
Premises and equipment expense	$244,000	5,419
Additional noninterest expense	$537,000	5,415
Pre-tax net operating income	$571,000	6,015
Securities gains (losses)	$-23,000	8,676
Applicable income taxes	$14,000	6,683
Income before extraordinary items	$534,000	5,650
Extraordinary gains, net	$0	26
Net income	$534,000	5,650
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	3,870
Cash dividends	$375,000	3,116
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$556,310	5,485
2004-06-30 (YTD Data)		Rank
Total interest income	$1,907,000	5,698
Total interest expense	$560,000	5,322
Net interest income	$1,347,000	5,748
Provision for loan and lease losses	$38,000	5,097
Total noninterest income	$202,000	5,793
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$128,000	4,721
Trading account gains and fees	$0	130
Additional Noninterest Income	$74,000	5,746
Total noninterest expense	$1,224,000	5,368
Salaries and employee benefits	$675,000	5,312
Premises and equipment expense	$162,000	5,446
Additional noninterest expense	$387,000	5,174
Pre-tax net operating income	$287,000	6,584
Securities gains (losses)	$-22,000	8,808
Applicable income taxes	$12,000	6,573
Income before extraordinary items	$253,000	6,412
Extraordinary gains, net	$0	21
Net income	$253,000	6,412
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	3,672
Cash dividends	$250,000	3,124
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$273,900	6,165
2004-03-31 (YTD Data)		Rank
Total interest income	$928,000	5,831
Total interest expense	$264,000	5,566
Net interest income	$664,000	5,802
Provision for loan and lease losses	$0	6,501
Total noninterest income	$97,000	5,845
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$61,000	4,756
Trading account gains and fees	$0	121
Additional Noninterest Income	$36,000	5,773
Total noninterest expense	$582,000	5,551
Salaries and employee benefits	$331,000	5,390
Premises and equipment expense	$80,000	5,517
Additional noninterest expense	$171,000	5,584
Pre-tax net operating income	$179,000	6,077
Securities gains (losses)	$-7,000	8,881
Applicable income taxes	$8,000	6,367
Income before extraordinary items	$164,000	5,802
Extraordinary gains, net	$0	16
Net income	$164,000	5,803
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	3,417
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$170,650	5,596
2003-12-31 (YTD Data)		Rank
Total interest income	$3,655,000	5,919
Total interest expense	$1,061,000	5,949
Net interest income	$2,594,000	5,782
Provision for loan and lease losses	$0	7,651
Total noninterest income	$531,000	5,272
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$242,000	4,826
Trading account gains and fees	$0	160
Additional Noninterest Income	$289,000	4,583
Total noninterest expense	$2,196,000	5,689
Salaries and employee benefits	$1,250,000	5,493
Premises and equipment expense	$308,000	5,597
Additional noninterest expense	$638,000	5,786
Pre-tax net operating income	$929,000	5,355
Securities gains (losses)	$-40,000	8,938
Applicable income taxes	$2,000	7,318
Income before extraordinary items	$887,000	4,974
Extraordinary gains, net	$0	54
Net income	$887,000	4,974
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,204
Cash dividends	$438,000	3,775
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$927,000	4,700
2003-09-30 (YTD Data)		Rank
Total interest income	$2,720,000	6,004
Total interest expense	$806,000	6,053
Net interest income	$1,914,000	5,863
Provision for loan and lease losses	$0	7,481
Total noninterest income	$428,000	5,136
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$179,000	4,891
Trading account gains and fees	$0	153
Additional Noninterest Income	$249,000	4,386
Total noninterest expense	$1,546,000	5,881
Salaries and employee benefits	$889,000	5,640
Premises and equipment expense	$221,000	5,697
Additional noninterest expense	$436,000	6,085
Pre-tax net operating income	$796,000	5,142
Securities gains (losses)	$-33,000	9,051
Applicable income taxes	$2,000	7,369
Income before extraordinary items	$761,000	4,741
Extraordinary gains, net	$0	40
Net income	$761,000	4,742
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,281
Cash dividends	$338,000	3,300
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$794,000	4,438
2003-06-30 (YTD Data)		Rank
Total interest income	$1,794,000	6,075
Total interest expense	$545,000	6,124
Net interest income	$1,249,000	5,937
Provision for loan and lease losses	$0	7,324
Total noninterest income	$275,000	5,211
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$116,000	4,923
Trading account gains and fees	$0	150
Additional Noninterest Income	$159,000	4,470
Total noninterest expense	$990,000	6,025
Salaries and employee benefits	$569,000	5,785
Premises and equipment expense	$150,000	5,648
Additional noninterest expense	$271,000	6,287
Pre-tax net operating income	$534,000	5,148
Securities gains (losses)	$-20,000	9,105
Applicable income taxes	$2,000	7,353
Income before extraordinary items	$512,000	4,736
Extraordinary gains, net	$0	30
Net income	$512,000	4,736
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,006
Cash dividends	$226,000	3,290
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$532,000	4,420
2003-03-31 (YTD Data)		Rank
Total interest income	$887,000	6,147
Total interest expense	$277,000	6,183
Net interest income	$610,000	6,013
Provision for loan and lease losses	$0	6,934
Total noninterest income	$123,000	5,400
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$55,000	4,963
Trading account gains and fees	$0	134
Additional Noninterest Income	$68,000	4,672
Total noninterest expense	$474,000	6,177
Salaries and employee benefits	$284,000	5,798
Premises and equipment expense	$72,000	5,758
Additional noninterest expense	$118,000	6,700
Pre-tax net operating income	$259,000	5,183
Securities gains (losses)	$-14,000	9,176
Applicable income taxes	$2,000	7,162
Income before extraordinary items	$243,000	4,787
Extraordinary gains, net	$0	21
Net income	$243,000	4,787
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,250
Cash dividends	$116,000	2,779
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$256,860	4,445
2002-12-31 (YTD Data)		Rank
Total interest income	$3,548,000	6,293
Total interest expense	$1,239,000	6,333
Net interest income	$2,309,000	6,164
Provision for loan and lease losses	$106,000	5,623
Total noninterest income	$408,000	5,731
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$200,000	5,194
Trading account gains and fees	$0	153
Additional Noninterest Income	$208,000	4,932
Total noninterest expense	$2,014,000	5,849
Salaries and employee benefits	$1,084,000	5,856
Premises and equipment expense	$288,000	5,703
Additional noninterest expense	$642,000	5,692
Pre-tax net operating income	$597,000	6,432
Securities gains (losses)	$-10,000	8,909
Applicable income taxes	$-51,000	8,993
Income before extraordinary items	$638,000	5,805
Extraordinary gains, net	$0	70
Net income	$638,000	5,804
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,834
Cash dividends	$174,000	5,054
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$648,000	5,625
2001-12-31 (YTD Data)		Rank
Total interest income	$3,424,000	6,826
Total interest expense	$1,491,000	6,989
Net interest income	$1,933,000	6,532
Provision for loan and lease losses	$25,000	7,375
Total noninterest income	$257,000	6,801
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$143,000	5,895
Trading account gains and fees	$0	177
Additional Noninterest Income	$114,000	6,118
Total noninterest expense	$1,671,000	6,410
Salaries and employee benefits	$1,056,000	5,796
Premises and equipment expense	$188,000	6,954
Additional noninterest expense	$427,000	6,946
Pre-tax net operating income	$494,000	6,570
Securities gains (losses)	$-1,000	9,012
Applicable income taxes	$72,000	6,376
Income before extraordinary items	$421,000	6,452
Extraordinary gains, net	$0	105
Net income	$421,000	6,455
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	6,867
Cash dividends	$500,000	3,435
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$421,850	6,327
2000-12-31 (YTD Data)		Rank
Total interest income	$3,500,000	6,933
Total interest expense	$1,670,000	6,822
Net interest income	$1,830,000	6,865
Provision for loan and lease losses	$12,000	7,853
Total noninterest income	$197,000	7,311
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$139,000	5,921
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	7,528
Total noninterest expense	$1,261,000	7,347
Salaries and employee benefits	$754,000	6,950
Premises and equipment expense	$200,000	6,773
Additional noninterest expense	$307,000	7,890
Pre-tax net operating income	$754,000	6,029
Securities gains (losses)	$-12,000	8,439
Applicable income taxes	$218,000	5,236
Income before extraordinary items	$524,000	6,195
Extraordinary gains, net	$0	38
Net income	$524,000	6,193
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,683
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$532,520	6,169
1999-12-31 (YTD Data)		Rank
Total interest income	$3,230,000	7,125
Total interest expense	$1,475,000	7,042
Net interest income	$1,755,000	7,096
Provision for loan and lease losses	$6,000	8,268
Total noninterest income	$206,000	7,422
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$143,000	5,962
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	7,632
Total noninterest expense	$1,184,000	7,606
Salaries and employee benefits	$666,000	7,411
Premises and equipment expense	$208,000	6,677
Additional noninterest expense	$310,000	8,038
Pre-tax net operating income	$771,000	6,041
Securities gains (losses)	$-22,000	9,580
Applicable income taxes	$265,000	5,080
Income before extraordinary items	$484,000	6,526
Extraordinary gains, net	$0	35
Net income	$484,000	6,525
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,730
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$498,300	6,436
1998-12-31 (YTD Data)		Rank
Total interest income	$3,154,000	7,348
Total interest expense	$1,437,000	7,330
Net interest income	$1,717,000	7,249
Provision for loan and lease losses	$0	8,652
Total noninterest income	$204,000	7,525
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$151,000	5,914
Trading account gains and fees	NA	NA
Additional Noninterest Income	$53,000	8,063
Total noninterest expense	$1,161,000	7,653
Salaries and employee benefits	$665,000	7,404
Premises and equipment expense	$219,000	6,441
Additional noninterest expense	$277,000	8,331
Pre-tax net operating income	$760,000	6,257
Securities gains (losses)	$0	4,449
Applicable income taxes	$280,000	5,367
Income before extraordinary items	$480,000	6,723
Extraordinary gains, net	$0	32
Net income	$480,000	6,721
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,392
Cash dividends	$600,000	3,104
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$480,000	6,622
1997-12-31 (YTD Data)		Rank
Total interest income	$2,913,000	7,867
Total interest expense	$1,286,000	7,884
Net interest income	$1,627,000	7,715
Provision for loan and lease losses	$0	8,829
Total noninterest income	$202,000	7,815
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$142,000	6,310
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	8,023
Total noninterest expense	$1,231,000	7,566
Salaries and employee benefits	$648,000	7,616
Premises and equipment expense	$229,000	6,363
Additional noninterest expense	$354,000	7,767
Pre-tax net operating income	$598,000	7,430
Securities gains (losses)	$2,000	3,292
Applicable income taxes	$296,000	5,759
Income before extraordinary items	$304,000	8,345
Extraordinary gains, net	$0	44
Net income	$304,000	8,347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,617
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$302,720	8,313
1996-12-31 (YTD Data)		Rank
Total interest income	$2,862,000	8,194
Total interest expense	$1,296,000	8,114
Net interest income	$1,566,000	8,110
Provision for loan and lease losses	$0	9,041
Total noninterest income	$308,000	6,841
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$168,000	6,156
Trading account gains and fees	NA	NA
Additional Noninterest Income	$140,000	6,165
Total noninterest expense	$1,167,000	8,083
Salaries and employee benefits	$632,000	7,942
Premises and equipment expense	$186,000	7,295
Additional noninterest expense	$349,000	8,368
Pre-tax net operating income	$707,000	6,903
Securities gains (losses)	$-4,000	9,823
Applicable income taxes	$265,000	6,241
Income before extraordinary items	$438,000	7,325
Extraordinary gains, net	$0	53
Net income	$438,000	7,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,441
Cash dividends	$375,000	4,050
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$440,560	7,260
1995-12-31 (YTD Data)		Rank
Total interest income	$2,800,000	8,501
Total interest expense	$1,300,000	8,279
Net interest income	$1,500,000	8,534
Provision for loan and lease losses	$-75,000	11,654
Total noninterest income	$201,000	8,415
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$141,000	6,862
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	8,751
Total noninterest expense	$1,078,000	8,664
Salaries and employee benefits	$541,000	8,774
Premises and equipment expense	$156,000	8,119
Additional noninterest expense	$381,000	8,387
Pre-tax net operating income	$698,000	7,338
Securities gains (losses)	$-15,000	10,368
Applicable income taxes	$-67,000	11,668
Income before extraordinary items	$750,000	5,715
Extraordinary gains, net	$0	65
Net income	$750,000	5,712
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$300,000	4,483
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$765,000	5,605
1994-12-31 (YTD Data)		Rank
Total interest income	$2,441,000	9,013
Total interest expense	$1,031,000	8,555
Net interest income	$1,410,000	9,127
Provision for loan and lease losses	$0	9,146
Total noninterest income	$209,000	8,579
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$144,000	7,032
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	8,873
Total noninterest expense	$955,000	9,526
Salaries and employee benefits	$492,000	9,467
Premises and equipment expense	$148,000	8,603
Additional noninterest expense	$315,000	9,778
Pre-tax net operating income	$664,000	7,623
Securities gains (losses)	$-4,000	9,291
Applicable income taxes	$4,000	11,509
Income before extraordinary items	$656,000	6,177
Extraordinary gains, net	$0	249
Net income	$656,000	6,197
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-81,000	12,151
Cash dividends	$325,000	4,247
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$659,960	6,221
1993-12-31 (YTD Data)		Rank
Total interest income	$2,497,000	9,189
Total interest expense	$1,141,000	8,514
Net interest income	$1,356,000	9,557
Provision for loan and lease losses	$-1,000	12,428
Total noninterest income	$189,000	9,435
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$131,000	7,556
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	9,638
Total noninterest expense	$1,025,000	9,626
Salaries and employee benefits	$485,000	9,823
Premises and equipment expense	$133,000	9,383
Additional noninterest expense	$407,000	9,191
Pre-tax net operating income	$521,000	8,527
Securities gains (losses)	$6,000	5,977
Applicable income taxes	$55,000	10,820
Income before extraordinary items	$472,000	7,777
Extraordinary gains, net	$269,000	781
Net income	$741,000	6,035
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$224,000	2,916
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$466,600	7,569
1992-12-31 (YTD Data)		Rank
Total interest income	$2,835,000	9,264
Total interest expense	$1,513,000	8,470
Net interest income	$1,322,000	9,895
Provision for loan and lease losses	$0	11,756
Total noninterest income	$318,000	7,487
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$104,000	8,390
Trading account gains and fees	NA	NA
Additional Noninterest Income	$214,000	5,441
Total noninterest expense	$1,036,000	9,826
Salaries and employee benefits	$501,000	9,773
Premises and equipment expense	$116,000	10,180
Additional noninterest expense	$419,000	9,344
Pre-tax net operating income	$604,000	7,685
Securities gains (losses)	$5,000	7,049
Applicable income taxes	$187,000	7,817
Income before extraordinary items	$422,000	7,996
Extraordinary gains, net	$186,000	458
Net income	$608,000	6,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	12,901
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$418,550	7,682

* 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.