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First National Bank of Clarksdale, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$17,294,000	2,080
Total interest expense	$5,825,000	1,855
Net interest income	$11,469,000	2,187
Provision for loan and lease losses	$14,000	3,131
Total noninterest income	$2,177,000	1,925
Gross Fiduciary activities income	$259,000	656
Service charges on deposit accounts	$677,000	1,357
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,241,000	2,064
Total noninterest expense	$8,997,000	2,167
Salaries and employee benefits	$6,395,000	1,866
Premises and equipment expense	$1,057,000	1,963
Additional noninterest expense	$1,241,000	2,064
Pre-tax net operating income	$4,635,000	2,011
Securities gains (losses)	$0	988
Applicable income taxes	$1,053,000	1,411
Income before extraordinary items	$3,582,000	2,127
Extraordinary gains, net	$0	54
Net income	$3,582,000	2,151
Minority interest net income	$0	88
Net income of bank and minority interests.	$3,582,000	2,130
Net charge-offs	$102,000	1,489
Cash dividends	$3,051,000	1,167
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$3,582,000	2,156
2023-09-30 (YTD Data)		Rank
Total interest income	$12,578,000	2,092
Total interest expense	$3,933,000	1,848
Net interest income	$8,645,000	2,179
Provision for loan and lease losses	$2,000	3,046
Total noninterest income	$1,128,000	2,297
Gross Fiduciary activities income	$258,000	626
Service charges on deposit accounts	$502,000	1,369
Trading account gains and fees	NA	NA
Additional Noninterest Income	$368,000	2,974
Total noninterest expense	$6,457,000	2,215
Salaries and employee benefits	$4,343,000	2,006
Premises and equipment expense	$1,033,000	1,631
Additional noninterest expense	$368,000	2,973
Pre-tax net operating income	$3,314,000	2,116
Securities gains (losses)	$0	849
Applicable income taxes	$615,000	1,610
Income before extraordinary items	$2,699,000	2,175
Extraordinary gains, net	$0	52
Net income	$2,699,000	2,196
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,699,000	2,177
Net charge-offs	$88,000	1,225
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$2,699,000	2,199
2023-06-30 (YTD Data)		Rank
Total interest income	$7,972,000	2,126
Total interest expense	$2,314,000	1,851
Net interest income	$5,658,000	2,231
Provision for loan and lease losses	$2,000	2,897
Total noninterest income	$848,000	2,136
Gross Fiduciary activities income	$261,000	581
Service charges on deposit accounts	$341,000	1,330
Trading account gains and fees	NA	NA
Additional Noninterest Income	$246,000	2,961
Total noninterest expense	$4,366,000	2,193
Salaries and employee benefits	$2,960,000	1,977
Premises and equipment expense	$688,000	1,638
Additional noninterest expense	$246,000	2,954
Pre-tax net operating income	$2,138,000	2,170
Securities gains (losses)	$0	938
Applicable income taxes	$400,000	1,648
Income before extraordinary items	$1,738,000	2,219
Extraordinary gains, net	$0	51
Net income	$1,738,000	2,246
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,738,000	2,219
Net charge-offs	$86,000	979
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$1,738,000	2,237
2023-03-31 (YTD Data)		Rank
Total interest income	$3,819,000	2,169
Total interest expense	$987,000	1,850
Net interest income	$2,832,000	2,236
Provision for loan and lease losses	$5,000	2,479
Total noninterest income	$538,000	1,870
Gross Fiduciary activities income	$247,000	512
Service charges on deposit accounts	$186,000	1,247
Trading account gains and fees	NA	NA
Additional Noninterest Income	$105,000	3,099
Total noninterest expense	$2,260,000	2,183
Salaries and employee benefits	$1,552,000	1,948
Premises and equipment expense	$342,000	1,678
Additional noninterest expense	$105,000	3,099
Pre-tax net operating income	$1,105,000	2,173
Securities gains (losses)	$0	950
Applicable income taxes	$235,000	1,569
Income before extraordinary items	$870,000	2,276
Extraordinary gains, net	$0	4
Net income	$870,000	2,276
Minority interest net income	$0	48
Net income of bank and minority interests.	$870,000	2,276
Net charge-offs	$113,000	564
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$870,000	2,313
2022-12-31 (YTD Data)		Rank
Total interest income	$13,169,000	2,133
Total interest expense	$1,433,000	1,966
Net interest income	$11,736,000	2,136
Provision for loan and lease losses	$39,000	2,633
Total noninterest income	$2,192,000	1,951
Gross Fiduciary activities income	$283,000	677
Service charges on deposit accounts	$704,000	1,337
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,205,000	2,135
Total noninterest expense	$9,124,000	2,126
Salaries and employee benefits	$6,610,000	1,821
Premises and equipment expense	$1,037,000	1,967
Additional noninterest expense	$1,205,000	2,135
Pre-tax net operating income	$4,765,000	2,094
Securities gains (losses)	$15,000	381
Applicable income taxes	$699,000	1,810
Income before extraordinary items	$4,081,000	2,080
Extraordinary gains, net	$0	5
Net income	$4,081,000	2,079
Minority interest net income	$0	63
Net income of bank and minority interests.	$4,081,000	2,079
Net charge-offs	$55,000	1,492
Cash dividends	$3,790,000	971
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$4,068,250	2,111
2022-09-30 (YTD Data)		Rank
Total interest income	$9,567,000	2,135
Total interest expense	$791,000	2,065
Net interest income	$8,776,000	2,118
Provision for loan and lease losses	$30,000	2,440
Total noninterest income	$1,863,000	1,834
Gross Fiduciary activities income	$288,000	640
Service charges on deposit accounts	$521,000	1,368
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,054,000	1,998
Total noninterest expense	$6,820,000	2,126
Salaries and employee benefits	$4,676,000	1,897
Premises and equipment expense	$1,035,000	1,635
Additional noninterest expense	$1,054,000	1,998
Pre-tax net operating income	$3,789,000	1,995
Securities gains (losses)	$14,000	385
Applicable income taxes	$675,000	1,633
Income before extraordinary items	$3,128,000	2,037
Extraordinary gains, net	$0	4
Net income	$3,128,000	2,036
Minority interest net income	$0	57
Net income of bank and minority interests.	$3,128,000	2,036
Net charge-offs	$47,000	1,252
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$3,116,520	2,065
2022-06-30 (YTD Data)		Rank
Total interest income	$6,049,000	2,161
Total interest expense	$389,000	2,306
Net interest income	$5,660,000	2,133
Provision for loan and lease losses	$15,000	2,317
Total noninterest income	$1,449,000	1,681
Gross Fiduciary activities income	$279,000	563
Service charges on deposit accounts	$338,000	1,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$832,000	1,866
Total noninterest expense	$4,441,000	2,140
Salaries and employee benefits	$3,060,000	1,911
Premises and equipment expense	$689,000	1,653
Additional noninterest expense	$692,000	3,212
Pre-tax net operating income	$2,653,000	1,874
Securities gains (losses)	$12,000	377
Applicable income taxes	$500,000	1,487
Income before extraordinary items	$2,165,000	1,905
Extraordinary gains, net	$0	4
Net income	$2,165,000	1,905
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,165,000	1,905
Net charge-offs	$17,000	1,382
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$2,155,280	1,952
2022-03-31 (YTD Data)		Rank
Total interest income	$2,886,000	2,182
Total interest expense	$164,000	2,512
Net interest income	$2,722,000	2,143
Provision for loan and lease losses	$15,000	1,841
Total noninterest income	$916,000	1,455
Gross Fiduciary activities income	$270,000	470
Service charges on deposit accounts	$172,000	1,331
Trading account gains and fees	NA	NA
Additional Noninterest Income	$474,000	1,723
Total noninterest expense	$2,178,000	2,167
Salaries and employee benefits	$1,499,000	1,941
Premises and equipment expense	$338,000	1,692
Additional noninterest expense	$341,000	3,224
Pre-tax net operating income	$1,445,000	1,682
Securities gains (losses)	$12,000	357
Applicable income taxes	$240,000	1,474
Income before extraordinary items	$1,217,000	1,682
Extraordinary gains, net	$0	4
Net income	$1,217,000	1,683
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,217,000	1,682
Net charge-offs	$17,000	1,013
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,206,920	1,712
2021-12-31 (YTD Data)		Rank
Total interest income	$12,271,000	2,172
Total interest expense	$894,000	2,379
Net interest income	$11,377,000	2,114
Provision for loan and lease losses	$18,000	2,886
Total noninterest income	$1,664,000	2,447
Gross Fiduciary activities income	$325,000	629
Service charges on deposit accounts	$660,000	1,309
Trading account gains and fees	NA	NA
Additional Noninterest Income	$679,000	2,995
Total noninterest expense	$8,677,000	2,171
Salaries and employee benefits	$6,288,000	1,866
Premises and equipment expense	$1,027,000	1,996
Additional noninterest expense	$1,362,000	3,235
Pre-tax net operating income	$4,346,000	2,223
Securities gains (losses)	$9,000	1,734
Applicable income taxes	$652,000	1,922
Income before extraordinary items	$3,703,000	2,278
Extraordinary gains, net	$0	10
Net income	$3,703,000	2,279
Minority interest net income	$0	74
Net income of bank and minority interests.	$3,703,000	2,279
Net charge-offs	$31,000	1,892
Cash dividends	$3,018,000	1,154
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$3,695,350	2,253
2021-09-30 (YTD Data)		Rank
Total interest income	$9,159,000	2,217
Total interest expense	$715,000	2,378
Net interest income	$8,444,000	2,169
Provision for loan and lease losses	$12,000	2,809
Total noninterest income	$1,297,000	2,427
Gross Fiduciary activities income	$318,000	592
Service charges on deposit accounts	$484,000	1,324
Trading account gains and fees	NA	NA
Additional Noninterest Income	$495,000	3,080
Total noninterest expense	$6,758,000	2,131
Salaries and employee benefits	$4,564,000	1,918
Premises and equipment expense	$1,005,000	1,693
Additional noninterest expense	$1,189,000	3,018
Pre-tax net operating income	$2,971,000	2,443
Securities gains (losses)	$3,000	1,854
Applicable income taxes	$345,000	2,231
Income before extraordinary items	$2,629,000	2,448
Extraordinary gains, net	$0	8
Net income	$2,629,000	2,448
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,629,000	2,448
Net charge-offs	$5,000	2,152
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$2,626,360	2,419
2021-06-30 (YTD Data)		Rank
Total interest income	$6,048,000	2,219
Total interest expense	$516,000	2,333
Net interest income	$5,532,000	2,184
Provision for loan and lease losses	$2,000	2,838
Total noninterest income	$1,017,000	2,218
Gross Fiduciary activities income	$307,000	545
Service charges on deposit accounts	$314,000	1,312
Trading account gains and fees	NA	NA
Additional Noninterest Income	$396,000	2,858
Total noninterest expense	$4,422,000	2,148
Salaries and employee benefits	$3,076,000	1,892
Premises and equipment expense	$671,000	1,679
Additional noninterest expense	$675,000	3,268
Pre-tax net operating income	$2,125,000	2,307
Securities gains (losses)	$2,000	1,698
Applicable income taxes	$304,000	2,013
Income before extraordinary items	$1,823,000	2,352
Extraordinary gains, net	$0	6
Net income	$1,823,000	2,351
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,823,000	2,352
Net charge-offs	$19,000	1,524
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,821,280	2,319
2021-03-31 (YTD Data)		Rank
Total interest income	$2,751,000	2,362
Total interest expense	$280,000	2,277
Net interest income	$2,471,000	2,355
Provision for loan and lease losses	$0	2,741
Total noninterest income	$564,000	2,114
Gross Fiduciary activities income	$289,000	448
Service charges on deposit accounts	$158,000	1,301
Trading account gains and fees	NA	NA
Additional Noninterest Income	$117,000	3,359
Total noninterest expense	$2,246,000	2,104
Salaries and employee benefits	$1,518,000	1,888
Premises and equipment expense	$334,000	1,705
Additional noninterest expense	$394,000	2,969
Pre-tax net operating income	$789,000	2,687
Securities gains (losses)	$1,000	1,331
Applicable income taxes	$70,000	2,504
Income before extraordinary items	$720,000	2,667
Extraordinary gains, net	$0	3
Net income	$720,000	2,665
Minority interest net income	$0	55
Net income of bank and minority interests.	$720,000	2,667
Net charge-offs	$37,000	931
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$719,090	2,628
2020-12-31 (YTD Data)		Rank
Total interest income	$13,599,000	2,025
Total interest expense	$1,752,000	2,145
Net interest income	$11,847,000	1,969
Provision for loan and lease losses	$8,000	4,245
Total noninterest income	$1,481,000	2,440
Gross Fiduciary activities income	$332,000	621
Service charges on deposit accounts	$654,000	1,305
Trading account gains and fees	NA	NA
Additional Noninterest Income	$495,000	3,157
Total noninterest expense	$8,726,000	2,144
Salaries and employee benefits	$6,439,000	1,789
Premises and equipment expense	$1,001,000	2,038
Additional noninterest expense	$1,286,000	3,297
Pre-tax net operating income	$4,594,000	1,892
Securities gains (losses)	$454,000	639
Applicable income taxes	$879,000	1,529
Income before extraordinary items	$4,169,000	1,860
Extraordinary gains, net	$0	4
Net income	$4,169,000	1,859
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,169,000	1,860
Net charge-offs	$19,000	2,819
Cash dividends	$3,429,000	1,017
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$3,792,180	1,944
2020-09-30 (YTD Data)		Rank
Total interest income	$10,506,000	1,992
Total interest expense	$1,427,000	2,104
Net interest income	$9,079,000	1,938
Provision for loan and lease losses	$206,000	2,734
Total noninterest income	$1,199,000	2,318
Gross Fiduciary activities income	$318,000	588
Service charges on deposit accounts	$488,000	1,302
Trading account gains and fees	NA	NA
Additional Noninterest Income	$393,000	3,073
Total noninterest expense	$6,392,000	2,159
Salaries and employee benefits	$4,475,000	1,886
Premises and equipment expense	$977,000	1,691
Additional noninterest expense	$940,000	3,308
Pre-tax net operating income	$3,680,000	1,777
Securities gains (losses)	$257,000	775
Applicable income taxes	$805,000	1,352
Income before extraordinary items	$3,132,000	1,845
Extraordinary gains, net	$0	4
Net income	$3,132,000	1,844
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,132,000	1,845
Net charge-offs	$13,000	2,660
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,926,400	1,880
2020-06-30 (YTD Data)		Rank
Total interest income	$7,257,000	1,968
Total interest expense	$1,054,000	2,079
Net interest income	$6,203,000	1,905
Provision for loan and lease losses	$206,000	2,372
Total noninterest income	$934,000	2,089
Gross Fiduciary activities income	$297,000	549
Service charges on deposit accounts	$341,000	1,269
Trading account gains and fees	NA	NA
Additional Noninterest Income	$296,000	2,924
Total noninterest expense	$4,310,000	2,148
Salaries and employee benefits	$3,024,000	1,860
Premises and equipment expense	$655,000	1,673
Additional noninterest expense	$631,000	3,321
Pre-tax net operating income	$2,621,000	1,629
Securities gains (losses)	$257,000	598
Applicable income taxes	$710,000	1,071
Income before extraordinary items	$2,168,000	1,734
Extraordinary gains, net	$0	4
Net income	$2,168,000	1,735
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,168,000	1,735
Net charge-offs	$7,000	2,562
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,964,970	1,834
2020-03-31 (YTD Data)		Rank
Total interest income	$3,368,000	2,066
Total interest expense	$618,000	2,015
Net interest income	$2,750,000	2,063
Provision for loan and lease losses	$6,000	3,525
Total noninterest income	$717,000	1,569
Gross Fiduciary activities income	$290,000	432
Service charges on deposit accounts	$214,000	1,237
Trading account gains and fees	NA	NA
Additional Noninterest Income	$213,000	2,367
Total noninterest expense	$2,077,000	2,221
Salaries and employee benefits	$1,419,000	1,968
Premises and equipment expense	$323,000	1,727
Additional noninterest expense	$335,000	3,267
Pre-tax net operating income	$1,384,000	1,404
Securities gains (losses)	$14,000	1,229
Applicable income taxes	$440,000	814
Income before extraordinary items	$958,000	1,727
Extraordinary gains, net	$0	4
Net income	$958,000	1,728
Minority interest net income	$0	56
Net income of bank and minority interests.	$958,000	1,728
Net charge-offs	$6,000	2,039
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$946,940	1,710
2019-12-31 (YTD Data)		Rank
Total interest income	$14,477,000	1,973
Total interest expense	$2,872,000	1,865
Net interest income	$11,605,000	1,972
Provision for loan and lease losses	$51,000	3,367
Total noninterest income	$1,876,000	2,033
Gross Fiduciary activities income	$325,000	632
Service charges on deposit accounts	$861,000	1,260
Trading account gains and fees	NA	NA
Additional Noninterest Income	$690,000	2,679
Total noninterest expense	$11,972,000	1,649
Salaries and employee benefits	$5,869,000	1,881
Premises and equipment expense	$990,000	2,053
Additional noninterest expense	$5,113,000	1,218
Pre-tax net operating income	$1,458,000	3,434
Securities gains (losses)	$18,000	1,689
Applicable income taxes	$94,000	3,048
Income before extraordinary items	$1,382,000	3,368
Extraordinary gains, net	$0	11
Net income	$1,382,000	3,369
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,382,000	3,369
Net charge-offs	$653,000	886
Cash dividends	$2,543,000	1,356
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,365,080	3,358
2019-09-30 (YTD Data)		Rank
Total interest income	$10,944,000	1,983
Total interest expense	$2,204,000	1,852
Net interest income	$8,740,000	1,995
Provision for loan and lease losses	$47,000	3,133
Total noninterest income	$1,541,000	1,948
Gross Fiduciary activities income	$310,000	596
Service charges on deposit accounts	$641,000	1,269
Trading account gains and fees	NA	NA
Additional Noninterest Income	$590,000	2,527
Total noninterest expense	$6,359,000	2,161
Salaries and employee benefits	$4,319,000	1,904
Premises and equipment expense	$960,000	1,728
Additional noninterest expense	$1,080,000	3,194
Pre-tax net operating income	$3,875,000	1,758
Securities gains (losses)	$18,000	1,471
Applicable income taxes	$290,000	2,258
Income before extraordinary items	$3,603,000	1,672
Extraordinary gains, net	$0	11
Net income	$3,603,000	1,673
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,603,000	1,673
Net charge-offs	$110,000	1,703
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$3,586,260	1,644
2019-06-30 (YTD Data)		Rank
Total interest income	$7,268,000	1,994
Total interest expense	$1,480,000	1,807
Net interest income	$5,788,000	2,008
Provision for loan and lease losses	$37,000	2,963
Total noninterest income	$1,222,000	1,734
Gross Fiduciary activities income	$303,000	550
Service charges on deposit accounts	$432,000	1,237
Trading account gains and fees	NA	NA
Additional Noninterest Income	$487,000	2,236
Total noninterest expense	$4,360,000	2,133
Salaries and employee benefits	$2,870,000	1,912
Premises and equipment expense	$646,000	1,722
Additional noninterest expense	$844,000	2,890
Pre-tax net operating income	$2,613,000	1,729
Securities gains (losses)	$15,000	1,113
Applicable income taxes	$290,000	1,889
Income before extraordinary items	$2,338,000	1,685
Extraordinary gains, net	$0	11
Net income	$2,338,000	1,685
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,338,000	1,685
Net charge-offs	$104,000	1,390
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,324,650	1,664
2019-03-31 (YTD Data)		Rank
Total interest income	$3,656,000	1,979
Total interest expense	$718,000	1,808
Net interest income	$2,938,000	1,983
Provision for loan and lease losses	$18,000	2,814
Total noninterest income	$620,000	1,692
Gross Fiduciary activities income	$292,000	434
Service charges on deposit accounts	$219,000	1,227
Trading account gains and fees	NA	NA
Additional Noninterest Income	$109,000	3,115
Total noninterest expense	$2,120,000	2,179
Salaries and employee benefits	$1,439,000	1,934
Premises and equipment expense	$325,000	1,739
Additional noninterest expense	$356,000	3,237
Pre-tax net operating income	$1,420,000	1,593
Securities gains (losses)	$10,000	710
Applicable income taxes	$150,000	1,832
Income before extraordinary items	$1,280,000	1,543
Extraordinary gains, net	$0	5
Net income	$1,280,000	1,542
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,280,000	1,542
Net charge-offs	$86,000	950
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,271,000	1,528
2018-12-31 (YTD Data)		Rank
Total interest income	$14,574,000	1,902
Total interest expense	$2,387,000	1,705
Net interest income	$12,187,000	1,925
Provision for loan and lease losses	$47,000	3,534
Total noninterest income	$1,613,000	2,252
Gross Fiduciary activities income	$359,000	641
Service charges on deposit accounts	$914,000	1,242
Trading account gains and fees	NA	NA
Additional Noninterest Income	$340,000	3,539
Total noninterest expense	$8,793,000	2,096
Salaries and employee benefits	$5,912,000	1,839
Premises and equipment expense	$1,006,000	2,052
Additional noninterest expense	$1,875,000	2,704
Pre-tax net operating income	$4,960,000	1,793
Securities gains (losses)	$18,000	598
Applicable income taxes	$803,000	1,582
Income before extraordinary items	$4,175,000	1,844
Extraordinary gains, net	$0	6
Net income	$4,175,000	1,843
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,175,000	1,843
Net charge-offs	$143,000	1,888
Cash dividends	$1,755,000	1,575
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,159,880	1,840
2018-09-30 (YTD Data)		Rank
Total interest income	$10,794,000	1,908
Total interest expense	$1,738,000	1,662
Net interest income	$9,056,000	1,943
Provision for loan and lease losses	$47,000	3,220
Total noninterest income	$1,311,000	2,159
Gross Fiduciary activities income	$330,000	609
Service charges on deposit accounts	$690,000	1,248
Trading account gains and fees	NA	NA
Additional Noninterest Income	$291,000	3,413
Total noninterest expense	$6,508,000	2,118
Salaries and employee benefits	$4,109,000	1,945
Premises and equipment expense	$974,000	1,719
Additional noninterest expense	$1,425,000	2,694
Pre-tax net operating income	$3,812,000	1,782
Securities gains (losses)	$18,000	592
Applicable income taxes	$525,000	1,741
Income before extraordinary items	$3,305,000	1,769
Extraordinary gains, net	$0	5
Net income	$3,305,000	1,768
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,305,000	1,768
Net charge-offs	$340,000	918
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,289,520	1,766
2018-06-30 (YTD Data)		Rank
Total interest income	$7,089,000	1,917
Total interest expense	$1,118,000	1,630
Net interest income	$5,971,000	1,966
Provision for loan and lease losses	$47,000	2,882
Total noninterest income	$1,006,000	2,009
Gross Fiduciary activities income	$321,000	545
Service charges on deposit accounts	$467,000	1,231
Trading account gains and fees	NA	NA
Additional Noninterest Income	$218,000	3,274
Total noninterest expense	$4,318,000	2,133
Salaries and employee benefits	$2,731,000	1,962
Premises and equipment expense	$653,000	1,725
Additional noninterest expense	$934,000	2,734
Pre-tax net operating income	$2,612,000	1,698
Securities gains (losses)	$0	961
Applicable income taxes	$330,000	1,780
Income before extraordinary items	$2,282,000	1,704
Extraordinary gains, net	$0	6
Net income	$2,282,000	1,703
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,282,000	1,703
Net charge-offs	$139,000	1,121
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,282,000	1,692
2018-03-31 (YTD Data)		Rank
Total interest income	$3,407,000	1,967
Total interest expense	$536,000	1,619
Net interest income	$2,871,000	2,016
Provision for loan and lease losses	$17,000	2,885
Total noninterest income	$668,000	1,678
Gross Fiduciary activities income	$304,000	435
Service charges on deposit accounts	$243,000	1,199
Trading account gains and fees	NA	NA
Additional Noninterest Income	$121,000	3,095
Total noninterest expense	$2,202,000	2,124
Salaries and employee benefits	$1,434,000	1,917
Premises and equipment expense	$326,000	1,743
Additional noninterest expense	$442,000	2,871
Pre-tax net operating income	$1,320,000	1,650
Securities gains (losses)	$0	735
Applicable income taxes	$170,000	1,725
Income before extraordinary items	$1,150,000	1,639
Extraordinary gains, net	$0	7
Net income	$1,150,000	1,639
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,150,000	1,639
Net charge-offs	$22,000	1,609
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,150,000	1,625
2017-12-31 (YTD Data)		Rank
Total interest income	$14,671,000	1,807
Total interest expense	$1,998,000	1,539
Net interest income	$12,673,000	1,822
Provision for loan and lease losses	$24,000	3,881
Total noninterest income	$1,683,000	2,248
Gross Fiduciary activities income	$391,000	632
Service charges on deposit accounts	$968,000	1,213
Trading account gains and fees	NA	NA
Additional Noninterest Income	$324,000	3,710
Total noninterest expense	$8,860,000	2,104
Salaries and employee benefits	$6,034,000	1,817
Premises and equipment expense	$1,035,000	2,054
Additional noninterest expense	$1,791,000	2,861
Pre-tax net operating income	$5,472,000	1,586
Securities gains (losses)	$-387,000	5,567
Applicable income taxes	$1,728,000	1,409
Income before extraordinary items	$3,357,000	1,866
Extraordinary gains, net	$0	9
Net income	$3,357,000	1,866
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,357,000	1,867
Net charge-offs	$102,000	2,404
Cash dividends	$1,755,000	1,561
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$3,612,420	1,731
2017-09-30 (YTD Data)		Rank
Total interest income	$10,885,000	1,824
Total interest expense	$1,427,000	1,582
Net interest income	$9,458,000	1,839
Provision for loan and lease losses	$15,000	3,792
Total noninterest income	$1,346,000	2,192
Gross Fiduciary activities income	$359,000	601
Service charges on deposit accounts	$715,000	1,233
Trading account gains and fees	NA	NA
Additional Noninterest Income	$272,000	3,604
Total noninterest expense	$6,660,000	2,101
Salaries and employee benefits	$4,417,000	1,852
Premises and equipment expense	$958,000	1,759
Additional noninterest expense	$1,285,000	2,958
Pre-tax net operating income	$4,129,000	1,602
Securities gains (losses)	$1,000	2,145
Applicable income taxes	$851,000	1,606
Income before extraordinary items	$3,279,000	1,609
Extraordinary gains, net	$0	9
Net income	$3,279,000	1,609
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,279,000	1,609
Net charge-offs	$49,000	2,480
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,278,210	1,592
2017-06-30 (YTD Data)		Rank
Total interest income	$6,993,000	1,869
Total interest expense	$885,000	1,630
Net interest income	$6,108,000	1,872
Provision for loan and lease losses	$15,000	3,486
Total noninterest income	$997,000	2,055
Gross Fiduciary activities income	$349,000	532
Service charges on deposit accounts	$476,000	1,227
Trading account gains and fees	NA	NA
Additional Noninterest Income	$172,000	3,672
Total noninterest expense	$4,413,000	2,118
Salaries and employee benefits	$2,895,000	1,885
Premises and equipment expense	$638,000	1,766
Additional noninterest expense	$880,000	2,910
Pre-tax net operating income	$2,677,000	1,612
Securities gains (losses)	$0	1,906
Applicable income taxes	$615,000	1,520
Income before extraordinary items	$2,062,000	1,665
Extraordinary gains, net	$0	11
Net income	$2,062,000	1,664
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,062,000	1,665
Net charge-offs	$36,000	2,232
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,062,000	1,647
2017-03-31 (YTD Data)		Rank
Total interest income	$3,332,000	1,931
Total interest expense	$421,000	1,687
Net interest income	$2,911,000	1,945
Provision for loan and lease losses	$15,000	2,918
Total noninterest income	$682,000	1,683
Gross Fiduciary activities income	$338,000	412
Service charges on deposit accounts	$242,000	1,218
Trading account gains and fees	NA	NA
Additional Noninterest Income	$102,000	3,444
Total noninterest expense	$2,216,000	2,132
Salaries and employee benefits	$1,435,000	1,919
Premises and equipment expense	$313,000	1,831
Additional noninterest expense	$468,000	2,791
Pre-tax net operating income	$1,362,000	1,539
Securities gains (losses)	$0	1,153
Applicable income taxes	$250,000	1,663
Income before extraordinary items	$1,112,000	1,544
Extraordinary gains, net	$0	8
Net income	$1,112,000	1,544
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,112,000	1,544
Net charge-offs	$28,000	1,693
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,112,000	1,525
2016-12-31 (YTD Data)		Rank
Total interest income	$13,802,000	1,837
Total interest expense	$1,670,000	1,648
Net interest income	$12,132,000	1,844
Provision for loan and lease losses	$410,000	1,656
Total noninterest income	$2,755,000	1,740
Gross Fiduciary activities income	$382,000	645
Service charges on deposit accounts	$1,027,000	1,185
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,346,000	2,029
Total noninterest expense	$8,809,000	2,126
Salaries and employee benefits	$6,001,000	1,787
Premises and equipment expense	$1,049,000	2,064
Additional noninterest expense	$1,759,000	3,010
Pre-tax net operating income	$5,668,000	1,469
Securities gains (losses)	$154,000	1,043
Applicable income taxes	$1,315,000	1,383
Income before extraordinary items	$4,507,000	1,505
Extraordinary gains, net	$0	5
Net income	$4,507,000	1,504
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,507,000	1,504
Net charge-offs	$-433,000	5,777
Cash dividends	$2,255,000	1,283
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$4,388,420	1,510
2016-09-30 (YTD Data)		Rank
Total interest income	$10,393,000	1,833
Total interest expense	$1,257,000	1,639
Net interest income	$9,136,000	1,839
Provision for loan and lease losses	$430,000	1,301
Total noninterest income	$2,375,000	1,587
Gross Fiduciary activities income	$334,000	613
Service charges on deposit accounts	$762,000	1,185
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,279,000	1,745
Total noninterest expense	$6,538,000	2,137
Salaries and employee benefits	$4,315,000	1,839
Premises and equipment expense	$932,000	1,817
Additional noninterest expense	$1,291,000	3,049
Pre-tax net operating income	$4,543,000	1,410
Securities gains (losses)	$153,000	969
Applicable income taxes	$1,185,000	1,265
Income before extraordinary items	$3,511,000	1,488
Extraordinary gains, net	$0	5
Net income	$3,511,000	1,487
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,511,000	1,488
Net charge-offs	$-446,000	5,852
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$3,396,250	1,484
2016-06-30 (YTD Data)		Rank
Total interest income	$6,792,000	1,869
Total interest expense	$820,000	1,662
Net interest income	$5,972,000	1,870
Provision for loan and lease losses	$430,000	966
Total noninterest income	$2,010,000	1,313
Gross Fiduciary activities income	$321,000	546
Service charges on deposit accounts	$502,000	1,187
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,187,000	1,384
Total noninterest expense	$4,403,000	2,126
Salaries and employee benefits	$2,914,000	1,830
Premises and equipment expense	$613,000	1,834
Additional noninterest expense	$876,000	3,031
Pre-tax net operating income	$3,149,000	1,367
Securities gains (losses)	$65,000	1,256
Applicable income taxes	$765,000	1,282
Income before extraordinary items	$2,449,000	1,421
Extraordinary gains, net	$0	16
Net income	$2,449,000	1,421
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,449,000	1,421
Net charge-offs	$-432,000	5,958
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,399,600	1,397
2016-03-31 (YTD Data)		Rank
Total interest income	$3,337,000	1,894
Total interest expense	$405,000	1,676
Net interest income	$2,932,000	1,911
Provision for loan and lease losses	$30,000	2,510
Total noninterest income	$971,000	1,327
Gross Fiduciary activities income	$308,000	429
Service charges on deposit accounts	$265,000	1,128
Trading account gains and fees	$0	142
Additional Noninterest Income	$398,000	1,749
Total noninterest expense	$2,119,000	2,217
Salaries and employee benefits	$1,377,000	1,935
Premises and equipment expense	$312,000	1,810
Additional noninterest expense	$430,000	3,068
Pre-tax net operating income	$1,754,000	1,221
Securities gains (losses)	$33,000	1,008
Applicable income taxes	$315,000	1,426
Income before extraordinary items	$1,472,000	1,206
Extraordinary gains, net	$0	12
Net income	$1,472,000	1,206
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,472,000	1,207
Net charge-offs	$-112,000	5,900
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,444,940	1,183
2015-12-31 (YTD Data)		Rank
Total interest income	$13,809,000	1,795
Total interest expense	$1,730,000	1,573
Net interest income	$12,079,000	1,813
Provision for loan and lease losses	$457,000	1,454
Total noninterest income	$1,965,000	2,138
Gross Fiduciary activities income	$403,000	644
Service charges on deposit accounts	$1,179,000	1,057
Trading account gains and fees	$0	159
Additional Noninterest Income	$383,000	3,648
Total noninterest expense	$8,859,000	2,114
Salaries and employee benefits	$5,744,000	1,815
Premises and equipment expense	$988,000	2,190
Additional noninterest expense	$2,127,000	2,670
Pre-tax net operating income	$4,728,000	1,641
Securities gains (losses)	$229,000	673
Applicable income taxes	$1,262,000	1,379
Income before extraordinary items	$3,695,000	1,720
Extraordinary gains, net	$0	23
Net income	$3,695,000	1,720
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,695,000	1,722
Net charge-offs	$-178,000	5,841
Cash dividends	$2,255,000	1,228
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,523,250	1,754
2015-09-30 (YTD Data)		Rank
Total interest income	$10,382,000	1,805
Total interest expense	$1,313,000	1,575
Net interest income	$9,069,000	1,829
Provision for loan and lease losses	$457,000	1,102
Total noninterest income	$1,546,000	2,091
Gross Fiduciary activities income	$363,000	603
Service charges on deposit accounts	$884,000	1,066
Trading account gains and fees	$0	153
Additional Noninterest Income	$299,000	3,604
Total noninterest expense	$6,737,000	2,087
Salaries and employee benefits	$4,126,000	1,898
Premises and equipment expense	$892,000	1,924
Additional noninterest expense	$1,719,000	2,514
Pre-tax net operating income	$3,421,000	1,720
Securities gains (losses)	$223,000	591
Applicable income taxes	$811,000	1,571
Income before extraordinary items	$2,833,000	1,713
Extraordinary gains, net	$0	21
Net income	$2,833,000	1,716
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,833,000	1,716
Net charge-offs	$-158,000	5,913
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,659,060	1,766
2015-06-30 (YTD Data)		Rank
Total interest income	$6,784,000	1,839
Total interest expense	$875,000	1,579
Net interest income	$5,909,000	1,871
Provision for loan and lease losses	$300,000	1,096
Total noninterest income	$1,140,000	1,974
Gross Fiduciary activities income	$353,000	539
Service charges on deposit accounts	$572,000	1,076
Trading account gains and fees	$0	157
Additional Noninterest Income	$215,000	3,522
Total noninterest expense	$4,440,000	2,123
Salaries and employee benefits	$2,550,000	2,051
Premises and equipment expense	$604,000	1,904
Additional noninterest expense	$1,286,000	2,288
Pre-tax net operating income	$2,309,000	1,687
Securities gains (losses)	$1,000	2,511
Applicable income taxes	$506,000	1,614
Income before extraordinary items	$1,804,000	1,766
Extraordinary gains, net	$0	22
Net income	$1,804,000	1,769
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,804,000	1,770
Net charge-offs	$-149,000	6,012
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,803,220	1,720
2015-03-31 (YTD Data)		Rank
Total interest income	$3,274,000	1,902
Total interest expense	$437,000	1,593
Net interest income	$2,837,000	1,935
Provision for loan and lease losses	$124,000	1,264
Total noninterest income	$687,000	1,680
Gross Fiduciary activities income	$323,000	425
Service charges on deposit accounts	$271,000	1,113
Trading account gains and fees	$0	152
Additional Noninterest Income	$93,000	3,700
Total noninterest expense	$2,432,000	1,954
Salaries and employee benefits	$1,365,000	1,924
Premises and equipment expense	$299,000	1,941
Additional noninterest expense	$768,000	1,944
Pre-tax net operating income	$968,000	1,907
Securities gains (losses)	$1,000	1,909
Applicable income taxes	$186,000	1,893
Income before extraordinary items	$783,000	1,958
Extraordinary gains, net	$0	13
Net income	$783,000	1,961
Minority interest net income	$0	64
Net income of bank and minority interests.	$783,000	1,960
Net charge-offs	$-84,000	6,084
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$782,190	1,900
2014-12-31 (YTD Data)		Rank
Total interest income	$13,831,000	1,812
Total interest expense	$1,957,000	1,513
Net interest income	$11,874,000	1,850
Provision for loan and lease losses	$1,100,000	810
Total noninterest income	$1,902,000	2,179
Gross Fiduciary activities income	$358,000	675
Service charges on deposit accounts	$1,135,000	1,163
Trading account gains and fees	$0	180
Additional Noninterest Income	$409,000	3,569
Total noninterest expense	$8,486,000	2,212
Salaries and employee benefits	$5,567,000	1,853
Premises and equipment expense	$961,000	2,315
Additional noninterest expense	$1,958,000	2,922
Pre-tax net operating income	$4,190,000	1,770
Securities gains (losses)	$315,000	583
Applicable income taxes	$931,000	1,619
Income before extraordinary items	$3,574,000	1,728
Extraordinary gains, net	$0	17
Net income	$3,574,000	1,728
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,574,000	1,727
Net charge-offs	$1,352,000	702
Cash dividends	$1,755,000	1,402
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,325,150	1,822
2014-09-30 (YTD Data)		Rank
Total interest income	$10,387,000	1,825
Total interest expense	$1,493,000	1,506
Net interest income	$8,894,000	1,852
Provision for loan and lease losses	$200,000	2,067
Total noninterest income	$1,468,000	2,145
Gross Fiduciary activities income	$316,000	638
Service charges on deposit accounts	$847,000	1,178
Trading account gains and fees	$0	174
Additional Noninterest Income	$305,000	3,618
Total noninterest expense	$6,644,000	2,135
Salaries and employee benefits	$4,178,000	1,853
Premises and equipment expense	$847,000	2,045
Additional noninterest expense	$1,619,000	2,727
Pre-tax net operating income	$3,518,000	1,618
Securities gains (losses)	$312,000	460
Applicable income taxes	$1,023,000	1,292
Income before extraordinary items	$2,807,000	1,679
Extraordinary gains, net	$0	15
Net income	$2,807,000	1,680
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,807,000	1,679
Net charge-offs	$11,000	4,115
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,579,240	1,766
2014-06-30 (YTD Data)		Rank
Total interest income	$6,910,000	1,818
Total interest expense	$1,012,000	1,481
Net interest income	$5,898,000	1,858
Provision for loan and lease losses	$200,000	1,637
Total noninterest income	$1,072,000	1,998
Gross Fiduciary activities income	$306,000	570
Service charges on deposit accounts	$549,000	1,186
Trading account gains and fees	$0	172
Additional Noninterest Income	$217,000	3,501
Total noninterest expense	$4,372,000	2,158
Salaries and employee benefits	$2,786,000	1,851
Premises and equipment expense	$610,000	1,918
Additional noninterest expense	$976,000	2,945
Pre-tax net operating income	$2,398,000	1,555
Securities gains (losses)	$66,000	1,015
Applicable income taxes	$635,000	1,329
Income before extraordinary items	$1,829,000	1,653
Extraordinary gains, net	$0	20
Net income	$1,829,000	1,656
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,829,000	1,655
Net charge-offs	$0	4,375
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,780,160	1,669
2014-03-31 (YTD Data)		Rank
Total interest income	$3,476,000	1,793
Total interest expense	$507,000	1,495
Net interest income	$2,969,000	1,833
Provision for loan and lease losses	$150,000	1,189
Total noninterest income	$659,000	1,668
Gross Fiduciary activities income	$288,000	445
Service charges on deposit accounts	$272,000	1,181
Trading account gains and fees	$0	147
Additional Noninterest Income	$99,000	3,592
Total noninterest expense	$2,138,000	2,206
Salaries and employee benefits	$1,409,000	1,845
Premises and equipment expense	$281,000	2,114
Additional noninterest expense	$448,000	3,151
Pre-tax net operating income	$1,340,000	1,388
Securities gains (losses)	$47,000	667
Applicable income taxes	$316,000	1,295
Income before extraordinary items	$1,071,000	1,413
Extraordinary gains, net	$0	16
Net income	$1,071,000	1,415
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,071,000	1,415
Net charge-offs	$6,000	3,056
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,034,810	1,429
2013-12-31 (YTD Data)		Rank
Total interest income	$13,941,000	1,791
Total interest expense	$2,144,000	1,601
Net interest income	$11,797,000	1,824
Provision for loan and lease losses	$789,000	1,347
Total noninterest income	$2,149,000	2,053
Gross Fiduciary activities income	$364,000	668
Service charges on deposit accounts	$1,136,000	1,197
Trading account gains and fees	$0	184
Additional Noninterest Income	$649,000	2,982
Total noninterest expense	$7,983,000	2,341
Salaries and employee benefits	$5,272,000	1,928
Premises and equipment expense	$1,005,000	2,244
Additional noninterest expense	$1,706,000	3,340
Pre-tax net operating income	$5,174,000	1,393
Securities gains (losses)	$98,000	1,329
Applicable income taxes	$765,000	1,721
Income before extraordinary items	$4,507,000	1,347
Extraordinary gains, net	$0	29
Net income	$4,507,000	1,350
Minority interest net income	$0	90
Net income of bank and minority interests.	$4,507,000	1,350
Net charge-offs	$1,277,000	1,053
Cash dividends	$1,755,000	1,324
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$4,423,700	1,341
2013-09-30 (YTD Data)		Rank
Total interest income	$10,497,000	1,792
Total interest expense	$1,630,000	1,615
Net interest income	$8,867,000	1,817
Provision for loan and lease losses	$69,000	3,733
Total noninterest income	$1,510,000	2,199
Gross Fiduciary activities income	$328,000	630
Service charges on deposit accounts	$856,000	1,202
Trading account gains and fees	$0	180
Additional Noninterest Income	$326,000	3,623
Total noninterest expense	$6,285,000	2,251
Salaries and employee benefits	$4,315,000	1,792
Premises and equipment expense	$807,000	2,129
Additional noninterest expense	$1,163,000	3,572
Pre-tax net operating income	$4,023,000	1,374
Securities gains (losses)	$89,000	1,298
Applicable income taxes	$860,000	1,385
Income before extraordinary items	$3,252,000	1,392
Extraordinary gains, net	$0	25
Net income	$3,252,000	1,394
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,252,000	1,394
Net charge-offs	$48,000	3,901
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$3,181,690	1,395
2013-06-30 (YTD Data)		Rank
Total interest income	$6,798,000	1,841
Total interest expense	$1,086,000	1,647
Net interest income	$5,712,000	1,867
Provision for loan and lease losses	$55,000	3,542
Total noninterest income	$1,418,000	1,719
Gross Fiduciary activities income	$321,000	558
Service charges on deposit accounts	$568,000	1,186
Trading account gains and fees	$0	157
Additional Noninterest Income	$529,000	2,395
Total noninterest expense	$4,425,000	2,125
Salaries and employee benefits	$2,951,000	1,749
Premises and equipment expense	$514,000	2,226
Additional noninterest expense	$960,000	3,056
Pre-tax net operating income	$2,650,000	1,371
Securities gains (losses)	$4,000	2,503
Applicable income taxes	$665,000	1,240
Income before extraordinary items	$1,989,000	1,526
Extraordinary gains, net	$0	22
Net income	$1,989,000	1,529
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,989,000	1,531
Net charge-offs	$37,000	3,590
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,986,000	1,462
2013-03-31 (YTD Data)		Rank
Total interest income	$3,332,000	1,889
Total interest expense	$544,000	1,693
Net interest income	$2,788,000	1,913
Provision for loan and lease losses	$55,000	2,729
Total noninterest income	$695,000	1,739
Gross Fiduciary activities income	$296,000	424
Service charges on deposit accounts	$280,000	1,191
Trading account gains and fees	$0	148
Additional Noninterest Income	$119,000	3,517
Total noninterest expense	$2,084,000	2,284
Salaries and employee benefits	$1,355,000	1,909
Premises and equipment expense	$282,000	2,077
Additional noninterest expense	$447,000	3,235
Pre-tax net operating income	$1,344,000	1,342
Securities gains (losses)	$4,000	1,680
Applicable income taxes	$220,000	1,619
Income before extraordinary items	$1,128,000	1,327
Extraordinary gains, net	$0	10
Net income	$1,128,000	1,330
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,128,000	1,329
Net charge-offs	$5,000	3,681
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$1,124,640	1,273
2012-12-31 (YTD Data)		Rank
Total interest income	$14,347,000	1,837
Total interest expense	$2,477,000	1,767
Net interest income	$11,870,000	1,841
Provision for loan and lease losses	$140,000	4,347
Total noninterest income	$2,027,000	2,160
Gross Fiduciary activities income	$387,000	654
Service charges on deposit accounts	$1,186,000	1,195
Trading account gains and fees	$0	166
Additional Noninterest Income	$454,000	3,465
Total noninterest expense	$8,782,000	2,167
Salaries and employee benefits	$5,637,000	1,798
Premises and equipment expense	$1,096,000	2,094
Additional noninterest expense	$2,049,000	3,045
Pre-tax net operating income	$4,975,000	1,381
Securities gains (losses)	$944,000	558
Applicable income taxes	$1,441,000	1,129
Income before extraordinary items	$4,478,000	1,316
Extraordinary gains, net	$0	29
Net income	$4,478,000	1,317
Minority interest net income	$0	93
Net income of bank and minority interests.	$4,478,000	1,317
Net charge-offs	$-55,000	6,870
Cash dividends	$1,755,000	1,334
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,760,560	1,437
2012-09-30 (YTD Data)		Rank
Total interest income	$10,899,000	1,844
Total interest expense	$1,895,000	1,797
Net interest income	$9,004,000	1,843
Provision for loan and lease losses	$125,000	4,125
Total noninterest income	$1,577,000	2,113
Gross Fiduciary activities income	$358,000	609
Service charges on deposit accounts	$884,000	1,207
Trading account gains and fees	$0	157
Additional Noninterest Income	$335,000	3,534
Total noninterest expense	$6,512,000	2,203
Salaries and employee benefits	$4,129,000	1,830
Premises and equipment expense	$859,000	2,054
Additional noninterest expense	$1,524,000	3,075
Pre-tax net operating income	$3,944,000	1,344
Securities gains (losses)	$275,000	1,189
Applicable income taxes	$1,069,000	1,177
Income before extraordinary items	$3,150,000	1,425
Extraordinary gains, net	$0	20
Net income	$3,150,000	1,426
Minority interest net income	$0	86
Net income of bank and minority interests.	$3,150,000	1,426
Net charge-offs	$-66,000	6,968
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,943,750	1,423
2012-06-30 (YTD Data)		Rank
Total interest income	$7,085,000	1,893
Total interest expense	$1,283,000	1,823
Net interest income	$5,802,000	1,907
Provision for loan and lease losses	$125,000	3,566
Total noninterest income	$1,162,000	1,945
Gross Fiduciary activities income	$344,000	542
Service charges on deposit accounts	$577,000	1,222
Trading account gains and fees	$0	153
Additional Noninterest Income	$241,000	3,394
Total noninterest expense	$4,213,000	2,274
Salaries and employee benefits	$2,629,000	1,910
Premises and equipment expense	$567,000	2,056
Additional noninterest expense	$1,017,000	3,080
Pre-tax net operating income	$2,626,000	1,344
Securities gains (losses)	$275,000	908
Applicable income taxes	$694,000	1,181
Income before extraordinary items	$2,207,000	1,350
Extraordinary gains, net	$0	19
Net income	$2,207,000	1,350
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,207,000	1,350
Net charge-offs	$-69,000	7,036
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,998,000	1,394
2012-03-31 (YTD Data)		Rank
Total interest income	$3,428,000	1,973
Total interest expense	$662,000	1,848
Net interest income	$2,766,000	1,999
Provision for loan and lease losses	$75,000	3,178
Total noninterest income	$732,000	1,632
Gross Fiduciary activities income	$313,000	398
Service charges on deposit accounts	$290,000	1,215
Trading account gains and fees	$0	148
Additional Noninterest Income	$129,000	3,289
Total noninterest expense	$2,000,000	2,365
Salaries and employee benefits	$1,237,000	2,029
Premises and equipment expense	$280,000	2,088
Additional noninterest expense	$483,000	3,183
Pre-tax net operating income	$1,423,000	1,234
Securities gains (losses)	$0	2,210
Applicable income taxes	$329,000	1,221
Income before extraordinary items	$1,094,000	1,324
Extraordinary gains, net	$0	19
Net income	$1,094,000	1,325
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,094,000	1,325
Net charge-offs	$-66,000	7,120
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$1,094,000	1,256
2011-12-31 (YTD Data)		Rank
Total interest income	$14,589,000	1,937
Total interest expense	$2,918,000	2,013
Net interest income	$11,671,000	1,892
Provision for loan and lease losses	$75,000	5,574
Total noninterest income	$2,044,000	1,971
Gross Fiduciary activities income	$351,000	634
Service charges on deposit accounts	$1,185,000	1,241
Trading account gains and fees	$0	146
Additional Noninterest Income	$508,000	3,103
Total noninterest expense	$8,864,000	2,153
Salaries and employee benefits	$5,553,000	1,744
Premises and equipment expense	$1,124,000	2,166
Additional noninterest expense	$2,187,000	2,883
Pre-tax net operating income	$4,776,000	1,222
Securities gains (losses)	$169,000	1,597
Applicable income taxes	$910,000	1,442
Income before extraordinary items	$4,035,000	1,245
Extraordinary gains, net	$0	29
Net income	$4,035,000	1,245
Minority interest net income	$0	96
Net income of bank and minority interests.	$4,035,000	1,245
Net charge-offs	$45,000	5,530
Cash dividends	$1,755,000	1,076
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$3,896,420	1,208
2011-09-30 (YTD Data)		Rank
Total interest income	$11,072,000	1,936
Total interest expense	$2,226,000	2,058
Net interest income	$8,846,000	1,876
Provision for loan and lease losses	$184,000	4,245
Total noninterest income	$1,564,000	1,944
Gross Fiduciary activities income	$315,000	588
Service charges on deposit accounts	$876,000	1,270
Trading account gains and fees	$0	145
Additional Noninterest Income	$373,000	3,151
Total noninterest expense	$6,518,000	2,198
Salaries and employee benefits	$3,955,000	1,861
Premises and equipment expense	$846,000	2,185
Additional noninterest expense	$1,717,000	2,789
Pre-tax net operating income	$3,708,000	1,239
Securities gains (losses)	$167,000	1,336
Applicable income taxes	$923,000	1,152
Income before extraordinary items	$2,952,000	1,313
Extraordinary gains, net	$0	21
Net income	$2,952,000	1,313
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,952,000	1,313
Net charge-offs	$-22,000	7,130
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,825,080	1,291
2011-06-30 (YTD Data)		Rank
Total interest income	$7,270,000	1,975
Total interest expense	$1,484,000	2,118
Net interest income	$5,786,000	1,909
Provision for loan and lease losses	$173,000	3,743
Total noninterest income	$1,091,000	1,871
Gross Fiduciary activities income	$307,000	524
Service charges on deposit accounts	$562,000	1,290
Trading account gains and fees	$0	153
Additional Noninterest Income	$222,000	3,325
Total noninterest expense	$4,380,000	2,204
Salaries and employee benefits	$2,574,000	1,903
Premises and equipment expense	$743,000	1,705
Additional noninterest expense	$1,063,000	3,049
Pre-tax net operating income	$2,324,000	1,275
Securities gains (losses)	$138,000	919
Applicable income taxes	$556,000	1,233
Income before extraordinary items	$1,906,000	1,322
Extraordinary gains, net	$0	15
Net income	$1,906,000	1,322
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,906,000	1,322
Net charge-offs	$-38,000	7,277
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,799,740	1,324
2011-03-31 (YTD Data)		Rank
Total interest income	$3,631,000	1,982
Total interest expense	$748,000	2,181
Net interest income	$2,883,000	1,912
Provision for loan and lease losses	$161,000	2,681
Total noninterest income	$692,000	1,581
Gross Fiduciary activities income	$292,000	368
Service charges on deposit accounts	$278,000	1,281
Trading account gains and fees	$0	158
Additional Noninterest Income	$122,000	3,234
Total noninterest expense	$1,980,000	2,439
Salaries and employee benefits	$1,182,000	2,068
Premises and equipment expense	$288,000	2,213
Additional noninterest expense	$510,000	3,129
Pre-tax net operating income	$1,434,000	1,044
Securities gains (losses)	$5,000	1,451
Applicable income taxes	$333,000	1,022
Income before extraordinary items	$1,106,000	1,108
Extraordinary gains, net	$0	9
Net income	$1,106,000	1,107
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,106,000	1,108
Net charge-offs	$-43,000	7,331
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$1,102,150	1,082
2010-12-31 (YTD Data)		Rank
Total interest income	$14,954,000	2,019
Total interest expense	$3,119,000	2,521
Net interest income	$11,835,000	1,857
Provision for loan and lease losses	$678,000	3,652
Total noninterest income	$2,006,000	2,073
Gross Fiduciary activities income	$329,000	649
Service charges on deposit accounts	$1,293,000	1,163
Trading account gains and fees	$0	175
Additional Noninterest Income	$384,000	3,579
Total noninterest expense	$8,450,000	2,290
Salaries and employee benefits	$5,226,000	1,865
Premises and equipment expense	$1,211,000	2,086
Additional noninterest expense	$2,013,000	3,243
Pre-tax net operating income	$4,713,000	1,082
Securities gains (losses)	$215,000	1,528
Applicable income taxes	$1,465,000	919
Income before extraordinary items	$3,463,000	1,233
Extraordinary gains, net	$0	29
Net income	$3,463,000	1,235
Minority interest net income	$0	111
Net income of bank and minority interests.	$3,463,000	1,236
Net charge-offs	$233,000	4,595
Cash dividends	$1,755,000	913
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$3,312,500	1,237
2010-09-30 (YTD Data)		Rank
Total interest income	$11,355,000	2,038
Total interest expense	$2,326,000	2,626
Net interest income	$9,029,000	1,859
Provision for loan and lease losses	$481,000	3,603
Total noninterest income	$1,561,000	2,028
Gross Fiduciary activities income	$300,000	598
Service charges on deposit accounts	$979,000	1,192
Trading account gains and fees	$0	165
Additional Noninterest Income	$282,000	3,640
Total noninterest expense	$6,402,000	2,270
Salaries and employee benefits	$3,821,000	1,905
Premises and equipment expense	$895,000	2,136
Additional noninterest expense	$1,686,000	2,882
Pre-tax net operating income	$3,707,000	1,099
Securities gains (losses)	$215,000	1,319
Applicable income taxes	$1,317,000	828
Income before extraordinary items	$2,605,000	1,279
Extraordinary gains, net	$0	23
Net income	$2,605,000	1,283
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,605,000	1,283
Net charge-offs	$93,000	4,986
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$2,463,100	1,305
2010-06-30 (YTD Data)		Rank
Total interest income	$7,425,000	2,095
Total interest expense	$1,515,000	2,765
Net interest income	$5,910,000	1,895
Provision for loan and lease losses	$320,000	3,503
Total noninterest income	$1,122,000	1,873
Gross Fiduciary activities income	$292,000	530
Service charges on deposit accounts	$644,000	1,218
Trading account gains and fees	$0	152
Additional Noninterest Income	$186,000	3,619
Total noninterest expense	$4,202,000	2,300
Salaries and employee benefits	$2,456,000	1,982
Premises and equipment expense	$622,000	2,085
Additional noninterest expense	$1,124,000	2,881
Pre-tax net operating income	$2,510,000	1,066
Securities gains (losses)	$149,000	1,142
Applicable income taxes	$692,000	945
Income before extraordinary items	$1,967,000	1,134
Extraordinary gains, net	$0	19
Net income	$1,967,000	1,133
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,967,000	1,135
Net charge-offs	$58,000	4,754
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,856,740	1,158
2010-03-31 (YTD Data)		Rank
Total interest income	$3,662,000	2,179
Total interest expense	$755,000	2,896
Net interest income	$2,907,000	1,952
Provision for loan and lease losses	$159,000	3,271
Total noninterest income	$685,000	1,619
Gross Fiduciary activities income	$278,000	379
Service charges on deposit accounts	$312,000	1,248
Trading account gains and fees	$0	175
Additional Noninterest Income	$95,000	3,602
Total noninterest expense	$2,048,000	2,391
Salaries and employee benefits	$1,191,000	2,068
Premises and equipment expense	$330,000	2,039
Additional noninterest expense	$527,000	3,027
Pre-tax net operating income	$1,385,000	970
Securities gains (losses)	$33,000	1,315
Applicable income taxes	$342,000	939
Income before extraordinary items	$1,076,000	1,016
Extraordinary gains, net	$0	16
Net income	$1,076,000	1,018
Minority interest net income	$0	91
Net income of bank and minority interests.	$1,076,000	1,019
Net charge-offs	$-168,000	7,883
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$1,050,920	1,014
2009-12-31 (YTD Data)		Rank
Total interest income	$15,188,000	2,208
Total interest expense	$3,751,000	2,880
Net interest income	$11,437,000	1,939
Provision for loan and lease losses	$932,000	3,607
Total noninterest income	$2,020,000	2,112
Gross Fiduciary activities income	$324,000	648
Service charges on deposit accounts	$1,316,000	1,311
Trading account gains and fees	$0	211
Additional Noninterest Income	$380,000	3,621
Total noninterest expense	$8,031,000	2,455
Salaries and employee benefits	$4,733,000	2,072
Premises and equipment expense	$1,224,000	2,179
Additional noninterest expense	$2,074,000	3,212
Pre-tax net operating income	$4,494,000	929
Securities gains (losses)	$128,000	1,919
Applicable income taxes	$1,146,000	871
Income before extraordinary items	$3,476,000	980
Extraordinary gains, net	$0	34
Net income	$3,476,000	978
Minority interest net income	$0	115
Net income of bank and minority interests.	$3,476,000	979
Net charge-offs	$69,000	5,996
Cash dividends	$1,258,000	1,363
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$3,380,000	1,003
2009-09-30 (YTD Data)		Rank
Total interest income	$11,305,000	2,249
Total interest expense	$2,951,000	2,896
Net interest income	$8,354,000	1,978
Provision for loan and lease losses	$623,000	3,476
Total noninterest income	$1,550,000	2,107
Gross Fiduciary activities income	$299,000	589
Service charges on deposit accounts	$975,000	1,317
Trading account gains and fees	$0	212
Additional Noninterest Income	$276,000	3,745
Total noninterest expense	$5,903,000	2,503
Salaries and employee benefits	$3,383,000	2,197
Premises and equipment expense	$834,000	2,388
Additional noninterest expense	$1,686,000	2,988
Pre-tax net operating income	$3,378,000	983
Securities gains (losses)	$114,000	1,730
Applicable income taxes	$869,000	937
Income before extraordinary items	$2,623,000	1,031
Extraordinary gains, net	$0	27
Net income	$2,623,000	1,029
Minority interest net income	$0	118
Net income of bank and minority interests.	$2,623,000	1,031
Net charge-offs	$93,000	5,119
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,537,500	1,062
2009-06-30 (YTD Data)		Rank
Total interest income	$7,345,000	2,345
Total interest expense	$2,063,000	2,893
Net interest income	$5,282,000	2,079
Provision for loan and lease losses	$388,000	3,334
Total noninterest income	$1,101,000	2,035
Gross Fiduciary activities income	$294,000	512
Service charges on deposit accounts	$629,000	1,347
Trading account gains and fees	$0	193
Additional Noninterest Income	$178,000	3,834
Total noninterest expense	$3,857,000	2,593
Salaries and employee benefits	$2,178,000	2,324
Premises and equipment expense	$542,000	2,476
Additional noninterest expense	$1,137,000	2,965
Pre-tax net operating income	$2,138,000	1,054
Securities gains (losses)	$52,000	1,889
Applicable income taxes	$483,000	1,116
Income before extraordinary items	$1,707,000	1,112
Extraordinary gains, net	$0	21
Net income	$1,707,000	1,110
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,707,000	1,112
Net charge-offs	$114,000	4,103
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,666,440	1,100
2009-03-31 (YTD Data)		Rank
Total interest income	$3,614,000	2,401
Total interest expense	$1,092,000	2,852
Net interest income	$2,522,000	2,171
Provision for loan and lease losses	$206,000	2,812
Total noninterest income	$666,000	1,757
Gross Fiduciary activities income	$279,000	362
Service charges on deposit accounts	$304,000	1,358
Trading account gains and fees	$0	171
Additional Noninterest Income	$83,000	3,952
Total noninterest expense	$1,910,000	2,530
Salaries and employee benefits	$1,126,000	2,267
Premises and equipment expense	$272,000	2,499
Additional noninterest expense	$512,000	2,954
Pre-tax net operating income	$1,072,000	1,200
Securities gains (losses)	$42,000	1,374
Applicable income taxes	$285,000	1,103
Income before extraordinary items	$829,000	1,327
Extraordinary gains, net	$0	15
Net income	$829,000	1,328
Minority interest net income	$0	102
Net income of bank and minority interests.	$829,000	1,329
Net charge-offs	$133,000	2,543
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$797,920	1,298
2008-12-31 (YTD Data)		Rank
Total interest income	$16,805,000	2,247
Total interest expense	$6,063,000	2,496
Net interest income	$10,742,000	2,060
Provision for loan and lease losses	$540,000	3,686
Total noninterest income	$2,048,000	2,105
Gross Fiduciary activities income	$324,000	662
Service charges on deposit accounts	$1,309,000	1,370
Trading account gains and fees	$0	154
Additional Noninterest Income	$415,000	3,518
Total noninterest expense	$7,521,000	2,515
Salaries and employee benefits	$4,394,000	2,310
Premises and equipment expense	$1,400,000	1,946
Additional noninterest expense	$1,727,000	3,243
Pre-tax net operating income	$4,729,000	1,150
Securities gains (losses)	$-32,000	7,124
Applicable income taxes	$1,222,000	1,021
Income before extraordinary items	$3,475,000	1,199
Extraordinary gains, net	$0	39
Net income	$3,475,000	1,199
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$539,000	2,697
Cash dividends	$1,755,000	1,514
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$3,498,680	1,266
2008-09-30 (YTD Data)		Rank
Total interest income	$12,830,000	2,259
Total interest expense	$4,782,000	2,475
Net interest income	$8,048,000	2,082
Provision for loan and lease losses	$356,000	3,273
Total noninterest income	$1,550,000	2,162
Gross Fiduciary activities income	$304,000	615
Service charges on deposit accounts	$968,000	1,402
Trading account gains and fees	$0	148
Additional Noninterest Income	$278,000	3,811
Total noninterest expense	$5,415,000	2,603
Salaries and employee benefits	$3,326,000	2,314
Premises and equipment expense	$787,000	2,529
Additional noninterest expense	$1,302,000	3,149
Pre-tax net operating income	$3,827,000	1,292
Securities gains (losses)	$-31,000	7,444
Applicable income taxes	$971,000	1,175
Income before extraordinary items	$2,825,000	1,317
Extraordinary gains, net	$0	31
Net income	$2,825,000	1,316
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$365,000	2,325
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,847,940	1,370
2008-06-30 (YTD Data)		Rank
Total interest income	$8,356,000	2,341
Total interest expense	$3,240,000	2,526
Net interest income	$5,116,000	2,172
Provision for loan and lease losses	$199,000	3,180
Total noninterest income	$1,126,000	2,047
Gross Fiduciary activities income	$298,000	546
Service charges on deposit accounts	$640,000	1,397
Trading account gains and fees	$0	149
Additional Noninterest Income	$188,000	3,881
Total noninterest expense	$3,573,000	2,631
Salaries and employee benefits	$2,248,000	2,307
Premises and equipment expense	$532,000	2,506
Additional noninterest expense	$793,000	3,388
Pre-tax net operating income	$2,470,000	1,397
Securities gains (losses)	$-31,000	8,202
Applicable income taxes	$606,000	1,383
Income before extraordinary items	$1,833,000	1,494
Extraordinary gains, net	$0	21
Net income	$1,833,000	1,495
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$312,000	1,760
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,856,250	1,451
2008-03-31 (YTD Data)		Rank
Total interest income	$4,114,000	2,420
Total interest expense	$1,714,000	2,558
Net interest income	$2,400,000	2,288
Provision for loan and lease losses	$91,000	2,842
Total noninterest income	$716,000	1,714
Gross Fiduciary activities income	$280,000	399
Service charges on deposit accounts	$333,000	1,315
Trading account gains and fees	$0	158
Additional Noninterest Income	$103,000	3,719
Total noninterest expense	$1,834,000	2,567
Salaries and employee benefits	$1,193,000	2,205
Premises and equipment expense	$267,000	2,522
Additional noninterest expense	$374,000	3,483
Pre-tax net operating income	$1,191,000	1,532
Securities gains (losses)	$-31,000	8,381
Applicable income taxes	$276,000	1,565
Income before extraordinary items	$884,000	1,681
Extraordinary gains, net	$0	15
Net income	$884,000	1,683
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	3,724
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$907,560	1,583
2007-12-31 (YTD Data)		Rank
Total interest income	$17,374,000	2,371
Total interest expense	$8,722,000	2,163
Net interest income	$8,652,000	2,542
Provision for loan and lease losses	$252,000	3,489
Total noninterest income	$1,986,000	2,222
Gross Fiduciary activities income	$331,000	682
Service charges on deposit accounts	$1,456,000	1,217
Trading account gains and fees	$0	178
Additional Noninterest Income	$199,000	5,067
Total noninterest expense	$6,754,000	2,681
Salaries and employee benefits	$4,238,000	2,375
Premises and equipment expense	$1,013,000	2,546
Additional noninterest expense	$1,503,000	3,411
Pre-tax net operating income	$3,632,000	2,145
Securities gains (losses)	$5,000	1,575
Applicable income taxes	$960,000	1,913
Income before extraordinary items	$2,677,000	2,227
Extraordinary gains, net	$0	39
Net income	$2,677,000	2,226
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$269,000	2,440
Cash dividends	$1,547,000	1,960
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,673,300	2,222
2007-09-30 (YTD Data)		Rank
Total interest income	$13,157,000	2,353
Total interest expense	$6,746,000	2,108
Net interest income	$6,411,000	2,585
Provision for loan and lease losses	$220,000	2,856
Total noninterest income	$1,555,000	2,162
Gross Fiduciary activities income	$313,000	631
Service charges on deposit accounts	$1,093,000	1,204
Trading account gains and fees	$0	184
Additional Noninterest Income	$149,000	5,104
Total noninterest expense	$5,006,000	2,686
Salaries and employee benefits	$3,123,000	2,415
Premises and equipment expense	$765,000	2,514
Additional noninterest expense	$1,118,000	3,377
Pre-tax net operating income	$2,740,000	2,266
Securities gains (losses)	$6,000	1,140
Applicable income taxes	$676,000	2,129
Income before extraordinary items	$2,070,000	2,310
Extraordinary gains, net	$0	33
Net income	$2,070,000	2,309
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	3,021
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,065,500	2,298
2007-06-30 (YTD Data)		Rank
Total interest income	$8,555,000	2,425
Total interest expense	$4,355,000	2,168
Net interest income	$4,200,000	2,644
Provision for loan and lease losses	$157,000	2,525
Total noninterest income	$1,127,000	2,060
Gross Fiduciary activities income	$307,000	549
Service charges on deposit accounts	$734,000	1,207
Trading account gains and fees	$0	168
Additional Noninterest Income	$86,000	5,378
Total noninterest expense	$3,309,000	2,727
Salaries and employee benefits	$2,042,000	2,490
Premises and equipment expense	$512,000	2,528
Additional noninterest expense	$755,000	3,343
Pre-tax net operating income	$1,861,000	2,286
Securities gains (losses)	$4,000	1,079
Applicable income taxes	$430,000	2,279
Income before extraordinary items	$1,435,000	2,282
Extraordinary gains, net	$0	29
Net income	$1,435,000	2,281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	3,311
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,431,920	2,268
2007-03-31 (YTD Data)		Rank
Total interest income	$4,124,000	2,496
Total interest expense	$2,065,000	2,262
Net interest income	$2,059,000	2,691
Provision for loan and lease losses	$78,000	2,375
Total noninterest income	$693,000	1,752
Gross Fiduciary activities income	$289,000	388
Service charges on deposit accounts	$363,000	1,189
Trading account gains and fees	$0	195
Additional Noninterest Income	$41,000	5,473
Total noninterest expense	$1,641,000	2,755
Salaries and employee benefits	$1,002,000	2,547
Premises and equipment expense	$248,000	2,603
Additional noninterest expense	$391,000	3,229
Pre-tax net operating income	$1,033,000	2,109
Securities gains (losses)	$9,000	715
Applicable income taxes	$226,000	2,229
Income before extraordinary items	$816,000	2,024
Extraordinary gains, net	$0	22
Net income	$816,000	2,024
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,384
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$808,980	2,045
2006-12-31 (YTD Data)		Rank
Total interest income	$15,097,000	2,537
Total interest expense	$7,553,000	2,146
Net interest income	$7,544,000	2,902
Provision for loan and lease losses	$221,000	3,340
Total noninterest income	$2,041,000	2,189
Gross Fiduciary activities income	$319,000	700
Service charges on deposit accounts	$1,529,000	1,156
Trading account gains and fees	$0	130
Additional Noninterest Income	$193,000	5,184
Total noninterest expense	$6,137,000	2,822
Salaries and employee benefits	$3,941,000	2,470
Premises and equipment expense	$888,000	2,744
Additional noninterest expense	$1,308,000	3,685
Pre-tax net operating income	$3,227,000	2,651
Securities gains (losses)	$246,000	351
Applicable income taxes	$468,000	3,234
Income before extraordinary items	$3,005,000	2,280
Extraordinary gains, net	$0	51
Net income	$3,005,000	2,282
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,000	3,223
Cash dividends	$1,447,000	1,987
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,790,980	2,376
2006-09-30 (YTD Data)		Rank
Total interest income	$10,974,000	2,594
Total interest expense	$5,442,000	2,173
Net interest income	$5,532,000	2,997
Provision for loan and lease losses	$211,000	2,780
Total noninterest income	$1,606,000	2,125
Gross Fiduciary activities income	$304,000	630
Service charges on deposit accounts	$1,153,000	1,160
Trading account gains and fees	$0	126
Additional Noninterest Income	$149,000	5,140
Total noninterest expense	$4,584,000	2,823
Salaries and employee benefits	$2,867,000	2,537
Premises and equipment expense	$706,000	2,620
Additional noninterest expense	$1,011,000	3,576
Pre-tax net operating income	$2,343,000	2,802
Securities gains (losses)	$45,000	583
Applicable income taxes	$475,000	2,929
Income before extraordinary items	$1,913,000	2,661
Extraordinary gains, net	$0	45
Net income	$1,913,000	2,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	2,707
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,877,000	2,697
2006-06-30 (YTD Data)		Rank
Total interest income	$6,861,000	2,696
Total interest expense	$3,249,000	2,284
Net interest income	$3,612,000	3,055
Provision for loan and lease losses	$136,000	2,806
Total noninterest income	$1,159,000	2,005
Gross Fiduciary activities income	$293,000	556
Service charges on deposit accounts	$759,000	1,165
Trading account gains and fees	$0	126
Additional Noninterest Income	$107,000	4,988
Total noninterest expense	$3,049,000	2,844
Salaries and employee benefits	$1,913,000	2,538
Premises and equipment expense	$453,000	2,703
Additional noninterest expense	$683,000	3,552
Pre-tax net operating income	$1,586,000	2,772
Securities gains (losses)	$40,000	485
Applicable income taxes	$330,000	2,905
Income before extraordinary items	$1,296,000	2,624
Extraordinary gains, net	$0	39
Net income	$1,296,000	2,626
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	4,447
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,264,000	2,665
2006-03-31 (YTD Data)		Rank
Total interest income	$3,240,000	2,769
Total interest expense	$1,420,000	2,432
Net interest income	$1,820,000	3,024
Provision for loan and lease losses	$102,000	1,973
Total noninterest income	$703,000	1,689
Gross Fiduciary activities income	$277,000	373
Service charges on deposit accounts	$364,000	1,190
Trading account gains and fees	$0	115
Additional Noninterest Income	$62,000	4,677
Total noninterest expense	$1,464,000	2,941
Salaries and employee benefits	$897,000	2,690
Premises and equipment expense	$210,000	2,897
Additional noninterest expense	$357,000	3,411
Pre-tax net operating income	$957,000	2,354
Securities gains (losses)	$59,000	325
Applicable income taxes	$233,000	2,381
Income before extraordinary items	$783,000	2,244
Extraordinary gains, net	$0	21
Net income	$783,000	2,244
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	7,900
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$737,570	2,336
2005-12-31 (YTD Data)		Rank
Total interest income	$11,341,000	2,836
Total interest expense	$4,296,000	2,506
Net interest income	$7,045,000	3,030
Provision for loan and lease losses	$356,000	2,493
Total noninterest income	$1,996,000	2,213
Gross Fiduciary activities income	$263,000	748
Service charges on deposit accounts	$1,580,000	1,130
Trading account gains and fees	$0	138
Additional Noninterest Income	$153,000	5,688
Total noninterest expense	$5,393,000	3,033
Salaries and employee benefits	$3,390,000	2,666
Premises and equipment expense	$728,000	3,141
Additional noninterest expense	$1,275,000	3,684
Pre-tax net operating income	$3,292,000	2,569
Securities gains (losses)	$120,000	644
Applicable income taxes	$673,000	2,882
Income before extraordinary items	$2,739,000	2,422
Extraordinary gains, net	$0	46
Net income	$2,739,000	2,423
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$200,000	2,287
Cash dividends	$1,447,000	1,875
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,643,000	2,457
2005-09-30 (YTD Data)		Rank
Total interest income	$8,290,000	2,849
Total interest expense	$3,107,000	2,469
Net interest income	$5,183,000	3,063
Provision for loan and lease losses	$329,000	2,048
Total noninterest income	$1,542,000	2,157
Gross Fiduciary activities income	$231,000	685
Service charges on deposit accounts	$1,193,000	1,105
Trading account gains and fees	$0	126
Additional Noninterest Income	$118,000	5,654
Total noninterest expense	$3,986,000	3,035
Salaries and employee benefits	$2,397,000	2,772
Premises and equipment expense	$627,000	2,766
Additional noninterest expense	$962,000	3,607
Pre-tax net operating income	$2,410,000	2,644
Securities gains (losses)	$147,000	545
Applicable income taxes	$497,000	2,956
Income before extraordinary items	$2,060,000	2,427
Extraordinary gains, net	$0	35
Net income	$2,060,000	2,427
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$127,000	2,228
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,940,930	2,512
2005-06-30 (YTD Data)		Rank
Total interest income	$5,234,000	2,916
Total interest expense	$1,885,000	2,534
Net interest income	$3,349,000	3,106
Provision for loan and lease losses	$227,000	1,946
Total noninterest income	$1,101,000	2,041
Gross Fiduciary activities income	$231,000	600
Service charges on deposit accounts	$798,000	1,083
Trading account gains and fees	$0	116
Additional Noninterest Income	$72,000	5,829
Total noninterest expense	$2,612,000	3,069
Salaries and employee benefits	$1,586,000	2,780
Premises and equipment expense	$409,000	2,785
Additional noninterest expense	$617,000	3,713
Pre-tax net operating income	$1,611,000	2,608
Securities gains (losses)	$72,000	674
Applicable income taxes	$325,000	2,961
Income before extraordinary items	$1,358,000	2,392
Extraordinary gains, net	$0	30
Net income	$1,358,000	2,392
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	2,057
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,299,680	2,455
2005-03-31 (YTD Data)		Rank
Total interest income	$2,486,000	3,007
Total interest expense	$850,000	2,651
Net interest income	$1,636,000	3,158
Provision for loan and lease losses	$119,000	1,815
Total noninterest income	$661,000	1,740
Gross Fiduciary activities income	$221,000	418
Service charges on deposit accounts	$403,000	1,026
Trading account gains and fees	$0	115
Additional Noninterest Income	$37,000	5,797
Total noninterest expense	$1,319,000	3,054
Salaries and employee benefits	$757,000	2,906
Premises and equipment expense	$231,000	2,529
Additional noninterest expense	$331,000	3,516
Pre-tax net operating income	$859,000	2,431
Securities gains (losses)	$8,000	1,073
Applicable income taxes	$176,000	2,803
Income before extraordinary items	$691,000	2,349
Extraordinary gains, net	$0	24
Net income	$691,000	2,350
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	1,389
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$684,600	2,335
2004-12-31 (YTD Data)		Rank
Total interest income	$9,397,000	2,994
Total interest expense	$2,740,000	2,815
Net interest income	$6,657,000	3,025
Provision for loan and lease losses	$334,000	2,712
Total noninterest income	$2,175,000	2,079
Gross Fiduciary activities income	$260,000	728
Service charges on deposit accounts	$1,751,000	1,014
Trading account gains and fees	$0	138
Additional Noninterest Income	$164,000	5,508
Total noninterest expense	$5,178,000	3,013
Salaries and employee benefits	$3,010,000	2,830
Premises and equipment expense	$939,000	2,427
Additional noninterest expense	$1,229,000	3,667
Pre-tax net operating income	$3,320,000	2,377
Securities gains (losses)	$147,000	998
Applicable income taxes	$849,000	2,428
Income before extraordinary items	$2,618,000	2,327
Extraordinary gains, net	$0	34
Net income	$2,618,000	2,329
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$305,000	1,966
Cash dividends	$1,448,000	1,783
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,506,280	2,365
2004-09-30 (YTD Data)		Rank
Total interest income	$6,921,000	3,006
Total interest expense	$1,941,000	2,912
Net interest income	$4,980,000	3,015
Provision for loan and lease losses	$312,000	2,211
Total noninterest income	$1,692,000	2,033
Gross Fiduciary activities income	$223,000	691
Service charges on deposit accounts	$1,332,000	1,001
Trading account gains and fees	$0	134
Additional Noninterest Income	$137,000	5,322
Total noninterest expense	$3,709,000	3,120
Salaries and employee benefits	$2,187,000	2,892
Premises and equipment expense	$535,000	3,085
Additional noninterest expense	$987,000	3,468
Pre-tax net operating income	$2,651,000	2,273
Securities gains (losses)	$76,000	1,360
Applicable income taxes	$607,000	2,556
Income before extraordinary items	$2,120,000	2,204
Extraordinary gains, net	$0	26
Net income	$2,120,000	2,206
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	2,829
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$2,060,720	2,205
2004-06-30 (YTD Data)		Rank
Total interest income	$4,441,000	3,099
Total interest expense	$1,194,000	3,102
Net interest income	$3,247,000	3,066
Provision for loan and lease losses	$184,000	2,338
Total noninterest income	$1,192,000	1,932
Gross Fiduciary activities income	$222,000	609
Service charges on deposit accounts	$882,000	995
Trading account gains and fees	$0	130
Additional Noninterest Income	$88,000	5,416
Total noninterest expense	$2,364,000	3,267
Salaries and employee benefits	$1,453,000	2,918
Premises and equipment expense	$350,000	3,127
Additional noninterest expense	$561,000	3,948
Pre-tax net operating income	$1,891,000	2,142
Securities gains (losses)	$63,000	1,312
Applicable income taxes	$451,000	2,359
Income before extraordinary items	$1,503,000	2,069
Extraordinary gains, net	$0	21
Net income	$1,503,000	2,070
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	3,489
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,454,490	2,075
2004-03-31 (YTD Data)		Rank
Total interest income	$2,166,000	3,166
Total interest expense	$589,000	3,168
Net interest income	$1,577,000	3,135
Provision for loan and lease losses	$78,000	2,514
Total noninterest income	$694,000	1,677
Gross Fiduciary activities income	$196,000	434
Service charges on deposit accounts	$449,000	936
Trading account gains and fees	$0	121
Additional Noninterest Income	$49,000	5,162
Total noninterest expense	$1,050,000	3,619
Salaries and employee benefits	$718,000	2,958
Premises and equipment expense	$173,000	3,191
Additional noninterest expense	$159,000	5,819
Pre-tax net operating income	$1,143,000	1,798
Securities gains (losses)	$51,000	1,182
Applicable income taxes	$299,000	1,938
Income before extraordinary items	$895,000	1,752
Extraordinary gains, net	$0	16
Net income	$895,000	1,752
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	3,206
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$856,750	1,742
2003-12-31 (YTD Data)		Rank
Total interest income	$8,763,000	3,176
Total interest expense	$3,087,000	2,790
Net interest income	$5,676,000	3,336
Provision for loan and lease losses	$368,000	2,740
Total noninterest income	$2,402,000	2,015
Gross Fiduciary activities income	$272,000	734
Service charges on deposit accounts	$1,826,000	939
Trading account gains and fees	$0	160
Additional Noninterest Income	$304,000	4,481
Total noninterest expense	$5,658,000	2,746
Salaries and employee benefits	$2,892,000	2,855
Premises and equipment expense	$808,000	2,732
Additional noninterest expense	$1,958,000	2,463
Pre-tax net operating income	$2,052,000	3,342
Securities gains (losses)	$649,000	642
Applicable income taxes	$522,000	3,302
Income before extraordinary items	$2,179,000	2,686
Extraordinary gains, net	$0	54
Net income	$2,179,000	2,688
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$315,000	2,187
Cash dividends	$3,961,000	800
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,653,310	3,163
2003-09-30 (YTD Data)		Rank
Total interest income	$6,666,000	3,188
Total interest expense	$2,497,000	2,683
Net interest income	$4,169,000	3,402
Provision for loan and lease losses	$300,000	2,501
Total noninterest income	$1,848,000	2,025
Gross Fiduciary activities income	$256,000	676
Service charges on deposit accounts	$1,375,000	947
Trading account gains and fees	$0	153
Additional Noninterest Income	$217,000	4,626
Total noninterest expense	$3,805,000	3,012
Salaries and employee benefits	$2,310,000	2,714
Premises and equipment expense	$458,000	3,471
Additional noninterest expense	$1,037,000	3,290
Pre-tax net operating income	$1,912,000	2,937
Securities gains (losses)	$638,000	590
Applicable income taxes	$603,000	2,661
Income before extraordinary items	$1,947,000	2,397
Extraordinary gains, net	$0	40
Net income	$1,947,000	2,396
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$202,000	2,199
Cash dividends	$2,100,000	969
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,462,120	2,872
2003-06-30 (YTD Data)		Rank
Total interest income	$4,445,000	3,203
Total interest expense	$1,869,000	2,524
Net interest income	$2,576,000	3,618
Provision for loan and lease losses	$185,000	2,635
Total noninterest income	$1,276,000	1,952
Gross Fiduciary activities income	$241,000	583
Service charges on deposit accounts	$904,000	947
Trading account gains and fees	$0	150
Additional Noninterest Income	$131,000	4,832
Total noninterest expense	$2,509,000	3,036
Salaries and employee benefits	$1,545,000	2,717
Premises and equipment expense	$298,000	3,511
Additional noninterest expense	$666,000	3,381
Pre-tax net operating income	$1,158,000	3,169
Securities gains (losses)	$538,000	550
Applicable income taxes	$393,000	2,724
Income before extraordinary items	$1,303,000	2,385
Extraordinary gains, net	$0	30
Net income	$1,303,000	2,383
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,000	2,542
Cash dividends	$2,100,000	709
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$888,740	3,077
2003-03-31 (YTD Data)		Rank
Total interest income	$2,208,000	3,239
Total interest expense	$1,174,000	2,093
Net interest income	$1,034,000	4,292
Provision for loan and lease losses	$107,000	2,250
Total noninterest income	$742,000	1,694
Gross Fiduciary activities income	$221,000	428
Service charges on deposit accounts	$453,000	918
Trading account gains and fees	$0	134
Additional Noninterest Income	$68,000	4,672
Total noninterest expense	$1,238,000	3,059
Salaries and employee benefits	$767,000	2,708
Premises and equipment expense	$150,000	3,487
Additional noninterest expense	$321,000	3,442
Pre-tax net operating income	$431,000	3,863
Securities gains (losses)	$381,000	431
Applicable income taxes	$181,000	2,875
Income before extraordinary items	$631,000	2,415
Extraordinary gains, net	$0	21
Net income	$631,000	2,413
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	3,542
Cash dividends	$1,100,000	634
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$333,820	3,765
2002-12-31 (YTD Data)		Rank
Total interest income	$9,409,000	3,182
Total interest expense	$3,303,000	3,259
Net interest income	$6,106,000	3,099
Provision for loan and lease losses	$367,000	3,016
Total noninterest income	$2,231,000	1,944
Gross Fiduciary activities income	$245,000	773
Service charges on deposit accounts	$1,686,000	955
Trading account gains and fees	$0	153
Additional Noninterest Income	$300,000	4,260
Total noninterest expense	$4,855,000	3,004
Salaries and employee benefits	$3,107,000	2,539
Premises and equipment expense	$569,000	3,570
Additional noninterest expense	$1,179,000	3,655
Pre-tax net operating income	$3,115,000	2,423
Securities gains (losses)	$53,000	2,352
Applicable income taxes	$307,000	4,403
Income before extraordinary items	$2,861,000	2,092
Extraordinary gains, net	$0	70
Net income	$2,861,000	2,091
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$218,000	2,886
Cash dividends	$1,500,000	1,618
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,813,300	2,053
2001-12-31 (YTD Data)		Rank
Total interest income	$10,589,000	3,156
Total interest expense	$4,773,000	3,285
Net interest income	$5,816,000	3,020
Provision for loan and lease losses	$435,000	2,451
Total noninterest income	$1,623,000	2,355
Gross Fiduciary activities income	$197,000	843
Service charges on deposit accounts	$1,185,000	1,261
Trading account gains and fees	$0	177
Additional Noninterest Income	$241,000	4,556
Total noninterest expense	$4,386,000	3,152
Salaries and employee benefits	$2,840,000	2,645
Premises and equipment expense	$475,000	4,069
Additional noninterest expense	$1,071,000	3,846
Pre-tax net operating income	$2,618,000	2,577
Securities gains (losses)	$8,000	3,714
Applicable income taxes	$610,000	2,940
Income before extraordinary items	$2,016,000	2,515
Extraordinary gains, net	$0	105
Net income	$2,016,000	2,522
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$469,000	1,629
Cash dividends	$900,000	2,429
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,009,840	2,433
2000-12-31 (YTD Data)		Rank
Total interest income	$11,030,000	3,138
Total interest expense	$4,529,000	3,598
Net interest income	$6,501,000	2,741
Provision for loan and lease losses	$250,000	3,225
Total noninterest income	$1,133,000	2,887
Gross Fiduciary activities income	$183,000	824
Service charges on deposit accounts	$608,000	2,262
Trading account gains and fees	$0	180
Additional Noninterest Income	$342,000	3,668
Total noninterest expense	$3,990,000	3,340
Salaries and employee benefits	$2,606,000	2,732
Premises and equipment expense	$364,000	4,813
Additional noninterest expense	$1,020,000	3,930
Pre-tax net operating income	$3,394,000	2,138
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,050,000	2,036
Income before extraordinary items	$2,344,000	2,209
Extraordinary gains, net	$0	38
Net income	$2,344,000	2,209
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$236,000	2,140
Cash dividends	$900,000	2,460
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,344,000	2,214
1999-12-31 (YTD Data)		Rank
Total interest income	$9,686,000	3,310
Total interest expense	$3,432,000	4,114
Net interest income	$6,254,000	2,814
Provision for loan and lease losses	$275,000	2,860
Total noninterest income	$730,000	3,866
Gross Fiduciary activities income	$172,000	896
Service charges on deposit accounts	$492,000	2,672
Trading account gains and fees	$0	173
Additional Noninterest Income	$66,000	7,548
Total noninterest expense	$3,657,000	3,579
Salaries and employee benefits	$2,323,000	3,006
Premises and equipment expense	$368,000	4,800
Additional noninterest expense	$966,000	4,135
Pre-tax net operating income	$3,052,000	2,374
Securities gains (losses)	$0	3,155
Applicable income taxes	$850,000	2,506
Income before extraordinary items	$2,202,000	2,365
Extraordinary gains, net	$0	35
Net income	$2,202,000	2,366
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$244,000	2,110
Cash dividends	$900,000	2,448
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,202,000	2,337
1998-12-31 (YTD Data)		Rank
Total interest income	$9,390,000	3,420
Total interest expense	$3,363,000	4,300
Net interest income	$6,027,000	2,853
Provision for loan and lease losses	$300,000	2,562
Total noninterest income	$711,000	3,929
Gross Fiduciary activities income	$169,000	900
Service charges on deposit accounts	$475,000	2,671
Trading account gains and fees	$0	224
Additional Noninterest Income	$67,000	7,572
Total noninterest expense	$3,513,000	3,599
Salaries and employee benefits	$2,260,000	2,982
Premises and equipment expense	$386,000	4,555
Additional noninterest expense	$867,000	4,418
Pre-tax net operating income	$2,925,000	2,438
Securities gains (losses)	$0	4,449
Applicable income taxes	$800,000	2,746
Income before extraordinary items	$2,125,000	2,423
Extraordinary gains, net	$0	32
Net income	$2,125,000	2,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$301,000	1,853
Cash dividends	$800,000	2,583
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$2,125,000	2,342
1997-12-31 (YTD Data)		Rank
Total interest income	$8,888,000	3,615
Total interest expense	$3,189,000	4,463
Net interest income	$5,699,000	3,059
Provision for loan and lease losses	$210,000	3,330
Total noninterest income	$745,000	3,784
Gross Fiduciary activities income	$150,000	969
Service charges on deposit accounts	$511,000	2,567
Trading account gains and fees	$0	239
Additional Noninterest Income	$84,000	7,257
Total noninterest expense	$3,646,000	3,481
Salaries and employee benefits	$2,259,000	2,931
Premises and equipment expense	$389,000	4,540
Additional noninterest expense	$998,000	3,918
Pre-tax net operating income	$2,588,000	2,833
Securities gains (losses)	$-49,000	10,641
Applicable income taxes	$725,000	3,150
Income before extraordinary items	$1,814,000	2,810
Extraordinary gains, net	$0	44
Net income	$1,814,000	2,809
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$220,000	2,403
Cash dividends	$725,000	2,719
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,848,790	2,717
1996-12-31 (YTD Data)		Rank
Total interest income	$8,902,000	3,654
Total interest expense	$3,323,000	4,380
Net interest income	$5,579,000	3,169
Provision for loan and lease losses	$625,000	1,456
Total noninterest income	$981,000	3,176
Gross Fiduciary activities income	$137,000	1,057
Service charges on deposit accounts	$519,000	2,630
Trading account gains and fees	$0	262
Additional Noninterest Income	$325,000	3,899
Total noninterest expense	$3,533,000	3,739
Salaries and employee benefits	$2,229,000	2,991
Premises and equipment expense	$407,000	4,474
Additional noninterest expense	$897,000	4,767
Pre-tax net operating income	$2,402,000	2,880
Securities gains (losses)	$3,000	3,304
Applicable income taxes	$740,000	3,054
Income before extraordinary items	$1,665,000	2,896
Extraordinary gains, net	$0	53
Net income	$1,665,000	2,897
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$569,000	1,293
Cash dividends	$750,000	2,610
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,662,930	2,867
1995-12-31 (YTD Data)		Rank
Total interest income	$8,839,000	3,675
Total interest expense	$3,304,000	4,363
Net interest income	$5,535,000	3,210
Provision for loan and lease losses	$535,000	1,492
Total noninterest income	$1,118,000	2,858
Gross Fiduciary activities income	$138,000	1,090
Service charges on deposit accounts	$511,000	2,658
Trading account gains and fees	$0	522
Additional Noninterest Income	$469,000	2,993
Total noninterest expense	$3,743,000	3,525
Salaries and employee benefits	$2,240,000	2,975
Premises and equipment expense	$410,000	4,442
Additional noninterest expense	$1,093,000	4,048
Pre-tax net operating income	$2,375,000	2,994
Securities gains (losses)	$-9,000	10,045
Applicable income taxes	$715,000	3,183
Income before extraordinary items	$1,651,000	2,977
Extraordinary gains, net	$0	65
Net income	$1,651,000	2,973
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$552,000	1,297
Cash dividends	$800,000	2,402
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,657,300	2,934
1994-12-31 (YTD Data)		Rank
Total interest income	$8,025,000	3,718
Total interest expense	$2,699,000	4,340
Net interest income	$5,326,000	3,366
Provision for loan and lease losses	$515,000	1,504
Total noninterest income	$865,000	3,466
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$546,000	2,498
Trading account gains and fees	NA	NA
Additional Noninterest Income	$319,000	3,924
Total noninterest expense	$3,661,000	3,694
Salaries and employee benefits	$2,062,000	3,189
Premises and equipment expense	$385,000	4,739
Additional noninterest expense	$1,214,000	4,018
Pre-tax net operating income	$2,015,000	3,401
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$660,000	3,235
Income before extraordinary items	$1,356,000	3,460
Extraordinary gains, net	$0	249
Net income	$1,356,000	3,467
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$512,000	1,356
Cash dividends	$800,000	2,270
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,355,330	3,489
1993-12-31 (YTD Data)		Rank
Total interest income	$7,659,000	3,974
Total interest expense	$2,462,000	4,885
Net interest income	$5,197,000	3,441
Provision for loan and lease losses	$470,000	2,190
Total noninterest income	$754,000	4,194
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$487,000	2,869
Trading account gains and fees	NA	NA
Additional Noninterest Income	$267,000	4,801
Total noninterest expense	$3,586,000	3,829
Salaries and employee benefits	$2,007,000	3,275
Premises and equipment expense	$347,000	5,271
Additional noninterest expense	$1,232,000	4,101
Pre-tax net operating income	$1,895,000	3,498
Securities gains (losses)	$71,000	2,955
Applicable income taxes	$615,000	3,522
Income before extraordinary items	$1,351,000	3,578
Extraordinary gains, net	$0	3,149
Net income	$1,351,000	3,688
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$406,000	2,033
Cash dividends	$475,000	3,246
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,302,010	3,513
1992-12-31 (YTD Data)		Rank
Total interest income	$8,126,000	4,236
Total interest expense	$3,048,000	5,084
Net interest income	$5,078,000	3,575
Provision for loan and lease losses	$700,000	2,369
Total noninterest income	$597,000	4,971
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$407,000	3,419
Trading account gains and fees	NA	NA
Additional Noninterest Income	$190,000	5,835
Total noninterest expense	$3,357,000	4,088
Salaries and employee benefits	$1,929,000	3,312
Premises and equipment expense	$336,000	5,522
Additional noninterest expense	$1,092,000	4,717
Pre-tax net operating income	$1,618,000	3,768
Securities gains (losses)	$43,000	4,369
Applicable income taxes	$529,000	3,810
Income before extraordinary items	$1,132,000	4,016
Extraordinary gains, net	$0	1,422
Net income	$1,132,000	4,058
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$737,000	1,922
Cash dividends	$450,000	3,037
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,102,760	3,812

* 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.