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Flanagan State Bank, Income and Expense

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2025-03-31 (YTD Data)		Rank
Total interest income	$3,424,000	2,617
Total interest expense	$1,249,000	2,457
Net interest income	$2,175,000	2,673
Provision for loan and lease losses	$45,000	1,960
Total noninterest income	$2,384,000	775
Gross Fiduciary activities income	$138,000	638
Service charges on deposit accounts	$77,000	2,143
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,169,000	589
Total noninterest expense	$4,490,000	1,384
Salaries and employee benefits	$2,943,000	1,252
Premises and equipment expense	$469,000	1,334
Additional noninterest expense	$2,169,000	589
Pre-tax net operating income	$24,000	4,118
Securities gains (losses)	$0	665
Applicable income taxes	$7,000	2,996
Income before extraordinary items	$17,000	4,105
Extraordinary gains, net	$0	47
Net income	$17,000	4,147
Minority interest net income	$0	65
Net income of bank and minority interests.	$17,000	4,105
Net charge-offs	$-22,000	4,192
Cash dividends	$108,000	2,104
Sale, conversion, retirement of capital stock, net	$0	467
Net operating income	$17,000	4,117
2024-12-31 (YTD Data)		Rank
Total interest income	$13,014,000	2,660
Total interest expense	$5,379,000	2,408
Net interest income	$7,635,000	2,786
Provision for loan and lease losses	$160,000	2,208
Total noninterest income	$12,746,000	664
Gross Fiduciary activities income	$130,000	745
Service charges on deposit accounts	$303,000	2,197
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,313,000	492
Total noninterest expense	$19,257,000	1,286
Salaries and employee benefits	$11,979,000	1,204
Premises and equipment expense	$1,670,000	1,425
Additional noninterest expense	$12,313,000	492
Pre-tax net operating income	$964,000	3,495
Securities gains (losses)	$-46,000	3,847
Applicable income taxes	$1,000	3,260
Income before extraordinary items	$917,000	3,435
Extraordinary gains, net	$0	53
Net income	$917,000	3,470
Minority interest net income	$0	90
Net income of bank and minority interests.	$917,000	3,435
Net charge-offs	$21,000	2,453
Cash dividends	$374,000	2,976
Sale, conversion, retirement of capital stock, net	$0	564
Net operating income	$963,000	3,414
2024-09-30 (YTD Data)		Rank
Total interest income	$9,562,000	2,678
Total interest expense	$3,919,000	2,431
Net interest income	$5,643,000	2,799
Provision for loan and lease losses	$107,000	2,131
Total noninterest income	$9,837,000	642
Gross Fiduciary activities income	$129,000	730
Service charges on deposit accounts	$224,000	2,216
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,484,000	475
Total noninterest expense	$14,661,000	1,255
Salaries and employee benefits	$8,912,000	1,195
Premises and equipment expense	$1,249,000	1,424
Additional noninterest expense	$9,484,000	475
Pre-tax net operating income	$712,000	3,548
Securities gains (losses)	$-46,000	4,048
Applicable income taxes	$1,000	3,258
Income before extraordinary items	$665,000	3,481
Extraordinary gains, net	$0	51
Net income	$665,000	3,521
Minority interest net income	$0	82
Net income of bank and minority interests.	$665,000	3,484
Net charge-offs	$10,000	2,366
Cash dividends	$273,000	2,654
Sale, conversion, retirement of capital stock, net	$0	527
Net operating income	$711,000	3,453
2024-06-30 (YTD Data)		Rank
Total interest income	$6,161,000	2,700
Total interest expense	$2,410,000	2,492
Net interest income	$3,751,000	2,802
Provision for loan and lease losses	$62,000	2,121
Total noninterest income	$6,014,000	663
Gross Fiduciary activities income	$129,000	706
Service charges on deposit accounts	$139,000	2,276
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,746,000	500
Total noninterest expense	$8,925,000	1,355
Salaries and employee benefits	$5,685,000	1,254
Premises and equipment expense	$804,000	1,452
Additional noninterest expense	$5,746,000	500
Pre-tax net operating income	$778,000	3,112
Securities gains (losses)	$-46,000	4,094
Applicable income taxes	$1,000	3,259
Income before extraordinary items	$731,000	3,032
Extraordinary gains, net	$0	52
Net income	$731,000	3,068
Minority interest net income	$0	84
Net income of bank and minority interests.	$731,000	3,035
Net charge-offs	$6,000	2,192
Cash dividends	$108,000	2,735
Sale, conversion, retirement of capital stock, net	$0	496
Net operating income	$777,000	2,976
2024-03-31 (YTD Data)		Rank
Total interest income	$3,006,000	2,715
Total interest expense	$1,122,000	2,545
Net interest income	$1,884,000	2,785
Provision for loan and lease losses	$30,000	1,896
Total noninterest income	$2,506,000	747
Gross Fiduciary activities income	$120,000	605
Service charges on deposit accounts	$64,000	2,367
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,322,000	578
Total noninterest expense	$4,131,000	1,430
Salaries and employee benefits	$2,640,000	1,320
Premises and equipment expense	$394,000	1,483
Additional noninterest expense	$2,322,000	578
Pre-tax net operating income	$229,000	3,513
Securities gains (losses)	$0	689
Applicable income taxes	$1,000	3,158
Income before extraordinary items	$228,000	3,418
Extraordinary gains, net	$0	51
Net income	$228,000	3,455
Minority interest net income	$0	72
Net income of bank and minority interests.	$228,000	3,419
Net charge-offs	$2,000	1,977
Cash dividends	$0	2,345
Sale, conversion, retirement of capital stock, net	$0	434
Net operating income	$228,000	3,422
2023-12-31 (YTD Data)		Rank
Total interest income	$10,135,000	2,824
Total interest expense	$2,697,000	2,750
Net interest income	$7,438,000	2,807
Provision for loan and lease losses	$120,000	2,323
Total noninterest income	$10,127,000	731
Gross Fiduciary activities income	$121,000	702
Service charges on deposit accounts	$225,000	2,543
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,781,000	545
Total noninterest expense	$17,398,000	1,355
Salaries and employee benefits	$11,017,000	1,248
Premises and equipment expense	$1,583,000	1,471
Additional noninterest expense	$9,781,000	545
Pre-tax net operating income	$47,000	4,289
Securities gains (losses)	$0	988
Applicable income taxes	$-134,000	4,443
Income before extraordinary items	$181,000	4,161
Extraordinary gains, net	$0	54
Net income	$181,000	4,202
Minority interest net income	$0	88
Net income of bank and minority interests.	$181,000	4,163
Net charge-offs	$8,000	2,487
Cash dividends	$323,000	3,006
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$181,000	4,186
2023-09-30 (YTD Data)		Rank
Total interest income	$7,311,000	2,853
Total interest expense	$1,669,000	2,832
Net interest income	$5,642,000	2,799
Provision for loan and lease losses	$90,000	2,173
Total noninterest income	$7,630,000	728
Gross Fiduciary activities income	$112,000	693
Service charges on deposit accounts	$166,000	2,572
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,352,000	553
Total noninterest expense	$13,093,000	1,349
Salaries and employee benefits	$8,455,000	1,225
Premises and equipment expense	$1,194,000	1,466
Additional noninterest expense	$7,352,000	553
Pre-tax net operating income	$89,000	4,301
Securities gains (losses)	$0	849
Applicable income taxes	$-134,000	4,520
Income before extraordinary items	$223,000	4,128
Extraordinary gains, net	$0	52
Net income	$223,000	4,167
Minority interest net income	$0	81
Net income of bank and minority interests.	$223,000	4,128
Net charge-offs	$-3,000	3,563
Cash dividends	$265,000	2,628
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$223,000	4,156
2023-06-30 (YTD Data)		Rank
Total interest income	$4,609,000	2,899
Total interest expense	$796,000	3,041
Net interest income	$3,813,000	2,805
Provision for loan and lease losses	$60,000	2,092
Total noninterest income	$5,015,000	722
Gross Fiduciary activities income	$111,000	665
Service charges on deposit accounts	$109,000	2,590
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,795,000	554
Total noninterest expense	$8,509,000	1,356
Salaries and employee benefits	$5,411,000	1,263
Premises and equipment expense	$787,000	1,477
Additional noninterest expense	$4,795,000	554
Pre-tax net operating income	$259,000	4,062
Securities gains (losses)	$0	938
Applicable income taxes	$1,000	3,419
Income before extraordinary items	$258,000	3,983
Extraordinary gains, net	$0	51
Net income	$258,000	4,023
Minority interest net income	$0	81
Net income of bank and minority interests.	$258,000	3,982
Net charge-offs	$-7,000	3,816
Cash dividends	$65,000	2,831
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$258,000	4,007
2023-03-31 (YTD Data)		Rank
Total interest income	$2,222,000	2,943
Total interest expense	$305,000	3,157
Net interest income	$1,917,000	2,806
Provision for loan and lease losses	$30,000	1,903
Total noninterest income	$1,929,000	856
Gross Fiduciary activities income	$50,000	697
Service charges on deposit accounts	$57,000	2,546
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,822,000	645
Total noninterest expense	$3,999,000	1,442
Salaries and employee benefits	$2,529,000	1,348
Premises and equipment expense	$410,000	1,453
Additional noninterest expense	$1,822,000	645
Pre-tax net operating income	$-183,000	4,575
Securities gains (losses)	$0	950
Applicable income taxes	$1,000	3,358
Income before extraordinary items	$-184,000	4,553
Extraordinary gains, net	$0	4
Net income	$-184,000	4,553
Minority interest net income	$0	48
Net income of bank and minority interests.	$-184,000	4,553
Net charge-offs	$-5,000	3,836
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$-184,000	4,564
2022-12-31 (YTD Data)		Rank
Total interest income	$7,778,000	2,899
Total interest expense	$658,000	2,920
Net interest income	$7,120,000	2,854
Provision for loan and lease losses	$-540,000	4,540
Total noninterest income	$14,098,000	609
Gross Fiduciary activities income	$144,000	722
Service charges on deposit accounts	$242,000	2,525
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,712,000	443
Total noninterest expense	$21,162,000	1,137
Salaries and employee benefits	$13,567,000	1,040
Premises and equipment expense	$1,587,000	1,472
Additional noninterest expense	$13,712,000	443
Pre-tax net operating income	$596,000	4,097
Securities gains (losses)	$0	691
Applicable income taxes	$167,000	2,725
Income before extraordinary items	$429,000	4,180
Extraordinary gains, net	$0	5
Net income	$429,000	4,178
Minority interest net income	$0	63
Net income of bank and minority interests.	$429,000	4,180
Net charge-offs	$-660,000	4,627
Cash dividends	$432,000	2,802
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$429,000	4,197
2022-09-30 (YTD Data)		Rank
Total interest income	$5,578,000	2,908
Total interest expense	$367,000	3,046
Net interest income	$5,211,000	2,859
Provision for loan and lease losses	$-555,000	4,602
Total noninterest income	$11,251,000	591
Gross Fiduciary activities income	$144,000	705
Service charges on deposit accounts	$180,000	2,556
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,927,000	435
Total noninterest expense	$16,896,000	1,077
Salaries and employee benefits	$11,019,000	968
Premises and equipment expense	$1,226,000	1,449
Additional noninterest expense	$10,927,000	435
Pre-tax net operating income	$121,000	4,465
Securities gains (losses)	$0	740
Applicable income taxes	$126,000	2,737
Income before extraordinary items	$-5,000	4,562
Extraordinary gains, net	$0	4
Net income	$-5,000	4,561
Minority interest net income	$0	57
Net income of bank and minority interests.	$-5,000	4,561
Net charge-offs	$-638,000	4,659
Cash dividends	$432,000	2,303
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$-5,000	4,588
2022-06-30 (YTD Data)		Rank
Total interest income	$3,574,000	2,930
Total interest expense	$216,000	3,116
Net interest income	$3,358,000	2,892
Provision for loan and lease losses	$-570,000	4,629
Total noninterest income	$7,442,000	589
Gross Fiduciary activities income	$144,000	636
Service charges on deposit accounts	$112,000	2,632
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,186,000	460
Total noninterest expense	$11,369,000	1,057
Salaries and employee benefits	$7,714,000	918
Premises and equipment expense	$781,000	1,494
Additional noninterest expense	$2,874,000	1,202
Pre-tax net operating income	$1,000	4,572
Securities gains (losses)	$0	687
Applicable income taxes	$86,000	2,649
Income before extraordinary items	$-85,000	4,602
Extraordinary gains, net	$0	4
Net income	$-85,000	4,602
Minority interest net income	$0	60
Net income of bank and minority interests.	$-85,000	4,602
Net charge-offs	$-636,000	4,700
Cash dividends	$382,000	2,094
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$-85,000	4,636
2022-03-31 (YTD Data)		Rank
Total interest income	$1,724,000	2,951
Total interest expense	$105,000	3,117
Net interest income	$1,619,000	2,911
Provision for loan and lease losses	$-580,000	4,648
Total noninterest income	$3,859,000	585
Gross Fiduciary activities income	$139,000	578
Service charges on deposit accounts	$55,000	2,631
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,665,000	477
Total noninterest expense	$5,711,000	1,053
Salaries and employee benefits	$3,922,000	913
Premises and equipment expense	$394,000	1,494
Additional noninterest expense	$1,395,000	1,215
Pre-tax net operating income	$347,000	3,273
Securities gains (losses)	$0	623
Applicable income taxes	$11,000	3,110
Income before extraordinary items	$336,000	3,158
Extraordinary gains, net	$0	4
Net income	$336,000	3,156
Minority interest net income	$0	50
Net income of bank and minority interests.	$336,000	3,158
Net charge-offs	$-633,000	4,756
Cash dividends	$250,000	1,607
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$336,000	3,174
2021-12-31 (YTD Data)		Rank
Total interest income	$7,121,000	2,974
Total interest expense	$608,000	2,896
Net interest income	$6,513,000	2,951
Provision for loan and lease losses	$240,000	1,589
Total noninterest income	$25,904,000	435
Gross Fiduciary activities income	$97,000	726
Service charges on deposit accounts	$193,000	2,729
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,614,000	351
Total noninterest expense	$27,493,000	908
Salaries and employee benefits	$17,792,000	813
Premises and equipment expense	$1,667,000	1,402
Additional noninterest expense	$8,034,000	931
Pre-tax net operating income	$4,684,000	2,137
Securities gains (losses)	$0	2,062
Applicable income taxes	$325,000	2,413
Income before extraordinary items	$4,359,000	2,057
Extraordinary gains, net	$0	10
Net income	$4,359,000	2,057
Minority interest net income	$0	74
Net income of bank and minority interests.	$4,359,000	2,059
Net charge-offs	$84,000	1,414
Cash dividends	$2,700,000	1,271
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$4,359,000	2,035
2021-09-30 (YTD Data)		Rank
Total interest income	$5,500,000	2,988
Total interest expense	$487,000	2,888
Net interest income	$5,013,000	2,961
Provision for loan and lease losses	$180,000	1,539
Total noninterest income	$20,723,000	420
Gross Fiduciary activities income	$96,000	702
Service charges on deposit accounts	$144,000	2,751
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,483,000	344
Total noninterest expense	$20,881,000	910
Salaries and employee benefits	$13,500,000	812
Premises and equipment expense	$1,304,000	1,380
Additional noninterest expense	$6,077,000	925
Pre-tax net operating income	$4,675,000	1,856
Securities gains (losses)	$0	2,015
Applicable income taxes	$148,000	2,739
Income before extraordinary items	$4,527,000	1,724
Extraordinary gains, net	$0	8
Net income	$4,527,000	1,722
Minority interest net income	$0	69
Net income of bank and minority interests.	$4,527,000	1,724
Net charge-offs	$50,000	1,355
Cash dividends	$2,200,000	1,093
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$4,527,000	1,695
2021-06-30 (YTD Data)		Rank
Total interest income	$3,412,000	3,108
Total interest expense	$349,000	2,869
Net interest income	$3,063,000	3,093
Provision for loan and lease losses	$120,000	1,537
Total noninterest income	$14,099,000	414
Gross Fiduciary activities income	$96,000	672
Service charges on deposit accounts	$94,000	2,729
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,909,000	342
Total noninterest expense	$13,947,000	897
Salaries and employee benefits	$9,056,000	804
Premises and equipment expense	$832,000	1,427
Additional noninterest expense	$4,059,000	918
Pre-tax net operating income	$3,095,000	1,841
Securities gains (losses)	$0	1,818
Applicable income taxes	$139,000	2,544
Income before extraordinary items	$2,956,000	1,725
Extraordinary gains, net	$0	6
Net income	$2,956,000	1,725
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,956,000	1,725
Net charge-offs	$32,000	1,318
Cash dividends	$1,600,000	1,003
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$2,956,000	1,697
2021-03-31 (YTD Data)		Rank
Total interest income	$1,726,000	3,082
Total interest expense	$192,000	2,807
Net interest income	$1,534,000	3,083
Provision for loan and lease losses	$60,000	1,591
Total noninterest income	$7,827,000	398
Gross Fiduciary activities income	$96,000	606
Service charges on deposit accounts	$46,000	2,751
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,685,000	327
Total noninterest expense	$7,222,000	868
Salaries and employee benefits	$4,485,000	809
Premises and equipment expense	$422,000	1,431
Additional noninterest expense	$2,315,000	803
Pre-tax net operating income	$2,079,000	1,485
Securities gains (losses)	$0	1,392
Applicable income taxes	$122,000	2,154
Income before extraordinary items	$1,957,000	1,418
Extraordinary gains, net	$0	3
Net income	$1,957,000	1,418
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,957,000	1,418
Net charge-offs	$-2,000	3,357
Cash dividends	$400,000	1,351
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,957,000	1,383
2020-12-31 (YTD Data)		Rank
Total interest income	$6,837,000	3,101
Total interest expense	$1,163,000	2,710
Net interest income	$5,674,000	3,131
Provision for loan and lease losses	$700,000	1,931
Total noninterest income	$33,969,000	347
Gross Fiduciary activities income	$66,000	757
Service charges on deposit accounts	$212,000	2,701
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,691,000	279
Total noninterest expense	$30,174,000	813
Salaries and employee benefits	$18,111,000	778
Premises and equipment expense	$1,606,000	1,444
Additional noninterest expense	$10,457,000	713
Pre-tax net operating income	$8,769,000	1,177
Securities gains (losses)	$0	2,675
Applicable income taxes	$52,000	3,167
Income before extraordinary items	$8,717,000	1,078
Extraordinary gains, net	$0	4
Net income	$8,717,000	1,077
Minority interest net income	$0	72
Net income of bank and minority interests.	$8,717,000	1,078
Net charge-offs	$276,000	1,337
Cash dividends	$3,515,000	987
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$8,717,000	1,044
2020-09-30 (YTD Data)		Rank
Total interest income	$5,175,000	3,114
Total interest expense	$931,000	2,713
Net interest income	$4,244,000	3,166
Provision for loan and lease losses	$490,000	1,987
Total noninterest income	$24,117,000	346
Gross Fiduciary activities income	$66,000	726
Service charges on deposit accounts	$162,000	2,680
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,889,000	284
Total noninterest expense	$21,655,000	828
Salaries and employee benefits	$12,760,000	807
Premises and equipment expense	$1,181,000	1,460
Additional noninterest expense	$7,714,000	708
Pre-tax net operating income	$6,216,000	1,183
Securities gains (losses)	$0	2,494
Applicable income taxes	$51,000	3,072
Income before extraordinary items	$6,165,000	1,085
Extraordinary gains, net	$0	4
Net income	$6,165,000	1,085
Minority interest net income	$0	65
Net income of bank and minority interests.	$6,165,000	1,085
Net charge-offs	$112,000	1,594
Cash dividends	$1,225,000	1,503
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$6,165,000	1,055
2020-06-30 (YTD Data)		Rank
Total interest income	$3,471,000	3,145
Total interest expense	$652,000	2,743
Net interest income	$2,819,000	3,189
Provision for loan and lease losses	$180,000	2,493
Total noninterest income	$12,944,000	372
Gross Fiduciary activities income	$66,000	700
Service charges on deposit accounts	$109,000	2,700
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,769,000	296
Total noninterest expense	$13,382,000	878
Salaries and employee benefits	$7,583,000	868
Premises and equipment expense	$745,000	1,521
Additional noninterest expense	$5,054,000	711
Pre-tax net operating income	$2,201,000	1,867
Securities gains (losses)	$0	2,249
Applicable income taxes	$49,000	2,906
Income before extraordinary items	$2,152,000	1,745
Extraordinary gains, net	$0	4
Net income	$2,152,000	1,746
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,152,000	1,746
Net charge-offs	$80,000	1,479
Cash dividends	$425,000	2,110
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,152,000	1,692
2020-03-31 (YTD Data)		Rank
Total interest income	$1,765,000	3,122
Total interest expense	$336,000	2,842
Net interest income	$1,429,000	3,148
Provision for loan and lease losses	$60,000	2,352
Total noninterest income	$3,995,000	500
Gross Fiduciary activities income	$66,000	648
Service charges on deposit accounts	$64,000	2,747
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,865,000	383
Total noninterest expense	$5,503,000	1,027
Salaries and employee benefits	$3,357,000	975
Premises and equipment expense	$371,000	1,539
Additional noninterest expense	$1,775,000	968
Pre-tax net operating income	$-139,000	4,901
Securities gains (losses)	$0	1,705
Applicable income taxes	$44,000	2,484
Income before extraordinary items	$-183,000	4,885
Extraordinary gains, net	$0	4
Net income	$-183,000	4,885
Minority interest net income	$0	56
Net income of bank and minority interests.	$-183,000	4,885
Net charge-offs	$22,000	1,562
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$-183,000	4,914
2019-12-31 (YTD Data)		Rank
Total interest income	$7,224,000	3,139
Total interest expense	$1,158,000	3,102
Net interest income	$6,066,000	3,077
Provision for loan and lease losses	$340,000	1,841
Total noninterest income	$19,100,000	439
Gross Fiduciary activities income	$67,000	769
Service charges on deposit accounts	$265,000	2,792
Trading account gains and fees	NA	NA
Additional Noninterest Income	$18,768,000	336
Total noninterest expense	$21,558,000	1,029
Salaries and employee benefits	$13,724,000	936
Premises and equipment expense	$1,616,000	1,414
Additional noninterest expense	$6,218,000	1,061
Pre-tax net operating income	$3,268,000	2,332
Securities gains (losses)	$-45,000	5,002
Applicable income taxes	$19,000	3,562
Income before extraordinary items	$3,204,000	2,198
Extraordinary gains, net	$0	11
Net income	$3,204,000	2,200
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,204,000	2,200
Net charge-offs	$230,000	1,563
Cash dividends	$1,600,000	1,801
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$3,248,550	2,141
2019-09-30 (YTD Data)		Rank
Total interest income	$5,373,000	3,185
Total interest expense	$830,000	3,186
Net interest income	$4,543,000	3,123
Provision for loan and lease losses	$280,000	1,656
Total noninterest income	$13,916,000	453
Gross Fiduciary activities income	$67,000	748
Service charges on deposit accounts	$199,000	2,824
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,650,000	341
Total noninterest expense	$15,630,000	1,050
Salaries and employee benefits	$9,799,000	976
Premises and equipment expense	$1,173,000	1,461
Additional noninterest expense	$4,658,000	1,059
Pre-tax net operating income	$2,549,000	2,343
Securities gains (losses)	$-41,000	5,079
Applicable income taxes	$18,000	3,555
Income before extraordinary items	$2,490,000	2,203
Extraordinary gains, net	$0	11
Net income	$2,490,000	2,203
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,490,000	2,204
Net charge-offs	$165,000	1,424
Cash dividends	$900,000	1,925
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,530,590	2,149
2019-06-30 (YTD Data)		Rank
Total interest income	$3,520,000	3,226
Total interest expense	$525,000	3,242
Net interest income	$2,995,000	3,155
Provision for loan and lease losses	$120,000	2,025
Total noninterest income	$8,289,000	480
Gross Fiduciary activities income	$67,000	718
Service charges on deposit accounts	$132,000	2,832
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,090,000	365
Total noninterest expense	$9,754,000	1,109
Salaries and employee benefits	$6,210,000	996
Premises and equipment expense	$774,000	1,482
Additional noninterest expense	$2,770,000	1,158
Pre-tax net operating income	$1,410,000	2,619
Securities gains (losses)	$-16,000	5,025
Applicable income taxes	$17,000	3,485
Income before extraordinary items	$1,377,000	2,444
Extraordinary gains, net	$0	11
Net income	$1,377,000	2,444
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,377,000	2,444
Net charge-offs	$67,000	1,636
Cash dividends	$500,000	2,092
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,392,840	2,407
2019-03-31 (YTD Data)		Rank
Total interest income	$1,725,000	3,281
Total interest expense	$246,000	3,305
Net interest income	$1,479,000	3,206
Provision for loan and lease losses	$60,000	1,874
Total noninterest income	$3,592,000	524
Gross Fiduciary activities income	$61,000	674
Service charges on deposit accounts	$59,000	2,981
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,472,000	390
Total noninterest expense	$4,526,000	1,163
Salaries and employee benefits	$2,789,000	1,101
Premises and equipment expense	$393,000	1,480
Additional noninterest expense	$1,344,000	1,173
Pre-tax net operating income	$485,000	3,112
Securities gains (losses)	$0	1,087
Applicable income taxes	$16,000	3,244
Income before extraordinary items	$469,000	2,978
Extraordinary gains, net	$0	5
Net income	$469,000	2,976
Minority interest net income	$0	52
Net income of bank and minority interests.	$469,000	2,977
Net charge-offs	$-1,000	3,818
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$469,000	2,966
2018-12-31 (YTD Data)		Rank
Total interest income	$6,731,000	3,242
Total interest expense	$851,000	3,176
Net interest income	$5,880,000	3,203
Provision for loan and lease losses	$208,000	2,329
Total noninterest income	$13,042,000	567
Gross Fiduciary activities income	$69,000	795
Service charges on deposit accounts	$276,000	2,872
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,697,000	431
Total noninterest expense	$17,459,000	1,179
Salaries and employee benefits	$11,630,000	1,035
Premises and equipment expense	$1,432,000	1,565
Additional noninterest expense	$4,397,000	1,389
Pre-tax net operating income	$1,255,000	3,767
Securities gains (losses)	$22,000	553
Applicable income taxes	$21,000	3,624
Income before extraordinary items	$1,256,000	3,608
Extraordinary gains, net	$0	6
Net income	$1,256,000	3,605
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,256,000	3,607
Net charge-offs	$473,000	988
Cash dividends	$750,000	2,535
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,234,440	3,639
2018-09-30 (YTD Data)		Rank
Total interest income	$4,976,000	3,276
Total interest expense	$616,000	3,157
Net interest income	$4,360,000	3,252
Provision for loan and lease losses	$148,000	2,290
Total noninterest income	$9,596,000	579
Gross Fiduciary activities income	$69,000	774
Service charges on deposit accounts	$208,000	2,882
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,319,000	439
Total noninterest expense	$12,977,000	1,187
Salaries and employee benefits	$8,738,000	1,038
Premises and equipment expense	$1,031,000	1,634
Additional noninterest expense	$3,208,000	1,433
Pre-tax net operating income	$831,000	3,987
Securities gains (losses)	$22,000	549
Applicable income taxes	$21,000	3,624
Income before extraordinary items	$832,000	3,824
Extraordinary gains, net	$0	5
Net income	$832,000	3,822
Minority interest net income	$0	66
Net income of bank and minority interests.	$832,000	3,823
Net charge-offs	$447,000	760
Cash dividends	$475,000	2,422
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$810,440	3,875
2018-06-30 (YTD Data)		Rank
Total interest income	$3,279,000	3,278
Total interest expense	$392,000	3,157
Net interest income	$2,887,000	3,267
Provision for loan and lease losses	$80,000	2,377
Total noninterest income	$5,920,000	611
Gross Fiduciary activities income	$69,000	738
Service charges on deposit accounts	$136,000	2,904
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,715,000	463
Total noninterest expense	$8,524,000	1,210
Salaries and employee benefits	$5,728,000	1,053
Premises and equipment expense	$663,000	1,707
Additional noninterest expense	$2,133,000	1,426
Pre-tax net operating income	$203,000	4,865
Securities gains (losses)	$22,000	458
Applicable income taxes	$23,000	3,452
Income before extraordinary items	$202,000	4,793
Extraordinary gains, net	$0	6
Net income	$202,000	4,792
Minority interest net income	$0	65
Net income of bank and minority interests.	$202,000	4,792
Net charge-offs	$413,000	591
Cash dividends	$275,000	2,571
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$182,200	4,866
2018-03-31 (YTD Data)		Rank
Total interest income	$1,610,000	3,319
Total interest expense	$193,000	3,143
Net interest income	$1,417,000	3,304
Provision for loan and lease losses	$20,000	2,793
Total noninterest income	$2,565,000	667
Gross Fiduciary activities income	$69,000	673
Service charges on deposit accounts	$63,000	3,029
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,433,000	501
Total noninterest expense	$4,066,000	1,260
Salaries and employee benefits	$2,700,000	1,121
Premises and equipment expense	$313,000	1,805
Additional noninterest expense	$1,053,000	1,436
Pre-tax net operating income	$-104,000	5,508
Securities gains (losses)	$0	735
Applicable income taxes	$2,000	3,795
Income before extraordinary items	$-106,000	5,489
Extraordinary gains, net	$0	7
Net income	$-106,000	5,489
Minority interest net income	$0	52
Net income of bank and minority interests.	$-106,000	5,489
Net charge-offs	$412,000	348
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$-106,000	5,496
2017-12-31 (YTD Data)		Rank
Total interest income	$6,321,000	3,309
Total interest expense	$742,000	3,049
Net interest income	$5,579,000	3,322
Provision for loan and lease losses	$197,000	2,402
Total noninterest income	$11,140,000	637
Gross Fiduciary activities income	$79,000	805
Service charges on deposit accounts	$254,000	3,106
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,807,000	491
Total noninterest expense	$15,176,000	1,306
Salaries and employee benefits	$11,487,000	1,037
Premises and equipment expense	$1,439,000	1,574
Additional noninterest expense	$2,250,000	2,447
Pre-tax net operating income	$1,346,000	3,693
Securities gains (losses)	$109,000	598
Applicable income taxes	$54,000	3,502
Income before extraordinary items	$1,401,000	3,240
Extraordinary gains, net	$0	9
Net income	$1,401,000	3,238
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,401,000	3,240
Net charge-offs	$278,000	1,544
Cash dividends	$1,000,000	2,186
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,296,360	3,358
2017-09-30 (YTD Data)		Rank
Total interest income	$4,719,000	3,333
Total interest expense	$546,000	3,069
Net interest income	$4,173,000	3,347
Provision for loan and lease losses	$132,000	2,435
Total noninterest income	$8,305,000	645
Gross Fiduciary activities income	$76,000	785
Service charges on deposit accounts	$189,000	3,136
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,040,000	495
Total noninterest expense	$11,277,000	1,314
Salaries and employee benefits	$8,601,000	1,041
Premises and equipment expense	$1,112,000	1,541
Additional noninterest expense	$1,564,000	2,590
Pre-tax net operating income	$1,069,000	3,653
Securities gains (losses)	$109,000	567
Applicable income taxes	$83,000	3,250
Income before extraordinary items	$1,095,000	3,375
Extraordinary gains, net	$0	9
Net income	$1,095,000	3,373
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,095,000	3,375
Net charge-offs	$185,000	1,459
Cash dividends	$750,000	1,995
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$993,630	3,533
2017-06-30 (YTD Data)		Rank
Total interest income	$3,113,000	3,349
Total interest expense	$354,000	3,081
Net interest income	$2,759,000	3,353
Provision for loan and lease losses	$67,000	2,547
Total noninterest income	$5,154,000	680
Gross Fiduciary activities income	$76,000	751
Service charges on deposit accounts	$124,000	3,152
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,954,000	533
Total noninterest expense	$7,212,000	1,377
Salaries and employee benefits	$5,450,000	1,103
Premises and equipment expense	$747,000	1,536
Additional noninterest expense	$1,015,000	2,635
Pre-tax net operating income	$634,000	3,813
Securities gains (losses)	$109,000	415
Applicable income taxes	$82,000	3,042
Income before extraordinary items	$661,000	3,513
Extraordinary gains, net	$0	11
Net income	$661,000	3,512
Minority interest net income	$0	71
Net income of bank and minority interests.	$661,000	3,513
Net charge-offs	$138,000	1,291
Cash dividends	$500,000	1,993
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$563,990	3,732
2017-03-31 (YTD Data)		Rank
Total interest income	$1,542,000	3,382
Total interest expense	$173,000	3,112
Net interest income	$1,369,000	3,375
Provision for loan and lease losses	$0	3,537
Total noninterest income	$2,375,000	704
Gross Fiduciary activities income	$76,000	674
Service charges on deposit accounts	$60,000	3,223
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,239,000	543
Total noninterest expense	$3,589,000	1,399
Salaries and employee benefits	$2,676,000	1,123
Premises and equipment expense	$387,000	1,508
Additional noninterest expense	$526,000	2,573
Pre-tax net operating income	$155,000	4,623
Securities gains (losses)	$17,000	548
Applicable income taxes	$49,000	2,902
Income before extraordinary items	$123,000	4,689
Extraordinary gains, net	$0	8
Net income	$123,000	4,690
Minority interest net income	$0	55
Net income of bank and minority interests.	$123,000	4,690
Net charge-offs	$37,000	1,511
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$110,760	4,774
2016-12-31 (YTD Data)		Rank
Total interest income	$6,297,000	3,333
Total interest expense	$647,000	3,184
Net interest income	$5,650,000	3,308
Provision for loan and lease losses	$240,000	2,221
Total noninterest income	$10,247,000	680
Gross Fiduciary activities income	$72,000	834
Service charges on deposit accounts	$298,000	2,942
Trading account gains and fees	$0	170
Additional Noninterest Income	$9,877,000	519
Total noninterest expense	$13,072,000	1,500
Salaries and employee benefits	$9,728,000	1,174
Premises and equipment expense	$1,325,000	1,705
Additional noninterest expense	$2,019,000	2,744
Pre-tax net operating income	$2,585,000	2,624
Securities gains (losses)	$38,000	2,022
Applicable income taxes	$22,000	3,834
Income before extraordinary items	$2,601,000	2,341
Extraordinary gains, net	$0	5
Net income	$2,601,000	2,338
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,601,000	2,340
Net charge-offs	$273,000	1,621
Cash dividends	$1,350,000	1,821
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,563,380	2,312
2016-09-30 (YTD Data)		Rank
Total interest income	$4,712,000	3,344
Total interest expense	$477,000	3,220
Net interest income	$4,235,000	3,322
Provision for loan and lease losses	$180,000	2,135
Total noninterest income	$7,284,000	715
Gross Fiduciary activities income	$50,000	843
Service charges on deposit accounts	$223,000	2,968
Trading account gains and fees	$0	169
Additional Noninterest Income	$7,011,000	544
Total noninterest expense	$9,162,000	1,585
Salaries and employee benefits	$6,879,000	1,230
Premises and equipment expense	$937,000	1,809
Additional noninterest expense	$1,346,000	2,971
Pre-tax net operating income	$2,177,000	2,487
Securities gains (losses)	$38,000	1,960
Applicable income taxes	$22,000	3,842
Income before extraordinary items	$2,193,000	2,190
Extraordinary gains, net	$0	5
Net income	$2,193,000	2,189
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,193,000	2,190
Net charge-offs	$237,000	1,331
Cash dividends	$750,000	1,953
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,155,380	2,150
2016-06-30 (YTD Data)		Rank
Total interest income	$3,141,000	3,365
Total interest expense	$310,000	3,283
Net interest income	$2,831,000	3,335
Provision for loan and lease losses	$120,000	2,108
Total noninterest income	$3,887,000	832
Gross Fiduciary activities income	$39,000	838
Service charges on deposit accounts	$141,000	3,049
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,707,000	625
Total noninterest expense	$5,573,000	1,733
Salaries and employee benefits	$4,089,000	1,354
Premises and equipment expense	$608,000	1,855
Additional noninterest expense	$876,000	3,031
Pre-tax net operating income	$1,025,000	3,036
Securities gains (losses)	$27,000	1,793
Applicable income taxes	$22,000	3,735
Income before extraordinary items	$1,030,000	2,745
Extraordinary gains, net	$0	16
Net income	$1,030,000	2,743
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,030,000	2,744
Net charge-offs	$238,000	1,015
Cash dividends	$500,000	1,970
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,003,540	2,722
2016-03-31 (YTD Data)		Rank
Total interest income	$1,580,000	3,366
Total interest expense	$152,000	3,351
Net interest income	$1,428,000	3,322
Provision for loan and lease losses	$60,000	1,948
Total noninterest income	$1,425,000	1,000
Gross Fiduciary activities income	$39,000	770
Service charges on deposit accounts	$64,000	3,213
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,322,000	770
Total noninterest expense	$2,518,000	1,893
Salaries and employee benefits	$1,858,000	1,470
Premises and equipment expense	$273,000	2,017
Additional noninterest expense	$387,000	3,302
Pre-tax net operating income	$275,000	3,999
Securities gains (losses)	$23,000	1,179
Applicable income taxes	$21,000	3,459
Income before extraordinary items	$277,000	3,755
Extraordinary gains, net	$0	12
Net income	$277,000	3,752
Minority interest net income	$0	62
Net income of bank and minority interests.	$277,000	3,753
Net charge-offs	$110,000	958
Cash dividends	$250,000	1,750
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$255,610	3,826
2015-12-31 (YTD Data)		Rank
Total interest income	$6,145,000	3,390
Total interest expense	$604,000	3,379
Net interest income	$5,541,000	3,361
Provision for loan and lease losses	$220,000	2,231
Total noninterest income	$6,518,000	939
Gross Fiduciary activities income	$47,000	898
Service charges on deposit accounts	$260,000	3,287
Trading account gains and fees	$0	159
Additional Noninterest Income	$6,211,000	690
Total noninterest expense	$10,073,000	1,881
Salaries and employee benefits	$6,100,000	1,723
Premises and equipment expense	$1,128,000	1,978
Additional noninterest expense	$2,845,000	2,104
Pre-tax net operating income	$1,766,000	3,233
Securities gains (losses)	$45,000	1,712
Applicable income taxes	$18,000	3,965
Income before extraordinary items	$1,793,000	2,917
Extraordinary gains, net	$0	23
Net income	$1,793,000	2,919
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,793,000	2,919
Net charge-offs	$217,000	1,910
Cash dividends	$900,000	2,260
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,748,450	2,915
2015-09-30 (YTD Data)		Rank
Total interest income	$4,565,000	3,443
Total interest expense	$453,000	3,423
Net interest income	$4,112,000	3,413
Provision for loan and lease losses	$180,000	2,044
Total noninterest income	$4,570,000	990
Gross Fiduciary activities income	$46,000	874
Service charges on deposit accounts	$193,000	3,327
Trading account gains and fees	$0	153
Additional Noninterest Income	$4,331,000	739
Total noninterest expense	$7,141,000	1,987
Salaries and employee benefits	$4,366,000	1,792
Premises and equipment expense	$816,000	2,070
Additional noninterest expense	$1,959,000	2,247
Pre-tax net operating income	$1,361,000	3,250
Securities gains (losses)	$31,000	1,769
Applicable income taxes	$18,000	3,990
Income before extraordinary items	$1,374,000	2,938
Extraordinary gains, net	$0	21
Net income	$1,374,000	2,937
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,374,000	2,939
Net charge-offs	$112,000	2,054
Cash dividends	$650,000	2,054
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,343,310	2,924
2015-06-30 (YTD Data)		Rank
Total interest income	$3,008,000	3,481
Total interest expense	$303,000	3,437
Net interest income	$2,705,000	3,458
Provision for loan and lease losses	$120,000	2,009
Total noninterest income	$2,661,000	1,098
Gross Fiduciary activities income	$46,000	848
Service charges on deposit accounts	$120,000	3,422
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,495,000	824
Total noninterest expense	$4,403,000	2,142
Salaries and employee benefits	$2,726,000	1,924
Premises and equipment expense	$516,000	2,173
Additional noninterest expense	$1,161,000	2,506
Pre-tax net operating income	$843,000	3,363
Securities gains (losses)	$31,000	1,488
Applicable income taxes	$18,000	3,885
Income before extraordinary items	$856,000	3,051
Extraordinary gains, net	$0	22
Net income	$856,000	3,052
Minority interest net income	$0	75
Net income of bank and minority interests.	$856,000	3,053
Net charge-offs	$86,000	1,861
Cash dividends	$400,000	2,136
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$825,620	3,051
2015-03-31 (YTD Data)		Rank
Total interest income	$1,476,000	3,530
Total interest expense	$152,000	3,448
Net interest income	$1,324,000	3,508
Provision for loan and lease losses	$60,000	1,893
Total noninterest income	$1,046,000	1,248
Gross Fiduciary activities income	$46,000	778
Service charges on deposit accounts	$57,000	3,478
Trading account gains and fees	$0	152
Additional Noninterest Income	$943,000	968
Total noninterest expense	$2,014,000	2,291
Salaries and employee benefits	$1,323,000	1,981
Premises and equipment expense	$245,000	2,283
Additional noninterest expense	$446,000	3,052
Pre-tax net operating income	$296,000	3,902
Securities gains (losses)	$23,000	1,179
Applicable income taxes	$18,000	3,566
Income before extraordinary items	$301,000	3,645
Extraordinary gains, net	$0	13
Net income	$301,000	3,648
Minority interest net income	$0	64
Net income of bank and minority interests.	$301,000	3,648
Net charge-offs	$24,000	2,028
Cash dividends	$200,000	1,824
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$279,380	3,685
2014-12-31 (YTD Data)		Rank
Total interest income	$6,005,000	3,525
Total interest expense	$632,000	3,500
Net interest income	$5,373,000	3,488
Provision for loan and lease losses	$189,000	2,552
Total noninterest income	$2,064,000	2,057
Gross Fiduciary activities income	$31,000	977
Service charges on deposit accounts	$273,000	3,386
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,760,000	1,607
Total noninterest expense	$5,960,000	2,933
Salaries and employee benefits	$3,797,000	2,610
Premises and equipment expense	$803,000	2,653
Additional noninterest expense	$1,360,000	3,772
Pre-tax net operating income	$1,288,000	3,734
Securities gains (losses)	$123,000	1,109
Applicable income taxes	$20,000	4,021
Income before extraordinary items	$1,391,000	3,375
Extraordinary gains, net	$0	17
Net income	$1,391,000	3,377
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,391,000	3,377
Net charge-offs	$50,000	3,763
Cash dividends	$900,000	2,150
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,269,230	3,478
2014-09-30 (YTD Data)		Rank
Total interest income	$4,470,000	3,573
Total interest expense	$474,000	3,557
Net interest income	$3,996,000	3,537
Provision for loan and lease losses	$167,000	2,291
Total noninterest income	$1,386,000	2,230
Gross Fiduciary activities income	$31,000	940
Service charges on deposit accounts	$202,000	3,453
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,153,000	1,772
Total noninterest expense	$4,228,000	3,061
Salaries and employee benefits	$2,665,000	2,736
Premises and equipment expense	$586,000	2,739
Additional noninterest expense	$977,000	3,888
Pre-tax net operating income	$987,000	3,784
Securities gains (losses)	$87,000	1,088
Applicable income taxes	$20,000	3,997
Income before extraordinary items	$1,054,000	3,394
Extraordinary gains, net	$0	15
Net income	$1,054,000	3,395
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,054,000	3,395
Net charge-offs	$-3,000	5,367
Cash dividends	$700,000	1,871
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$968,740	3,510
2014-06-30 (YTD Data)		Rank
Total interest income	$2,942,000	3,606
Total interest expense	$315,000	3,600
Net interest income	$2,627,000	3,563
Provision for loan and lease losses	$105,000	2,287
Total noninterest income	$722,000	2,550
Gross Fiduciary activities income	$31,000	911
Service charges on deposit accounts	$126,000	3,559
Trading account gains and fees	$0	172
Additional Noninterest Income	$565,000	2,149
Total noninterest expense	$2,623,000	3,236
Salaries and employee benefits	$1,632,000	2,939
Premises and equipment expense	$389,000	2,765
Additional noninterest expense	$602,000	4,094
Pre-tax net operating income	$621,000	3,818
Securities gains (losses)	$87,000	865
Applicable income taxes	$20,000	3,857
Income before extraordinary items	$688,000	3,364
Extraordinary gains, net	$0	20
Net income	$688,000	3,370
Minority interest net income	$0	80
Net income of bank and minority interests.	$688,000	3,370
Net charge-offs	$3,000	4,063
Cash dividends	$450,000	1,914
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$603,610	3,558
2014-03-31 (YTD Data)		Rank
Total interest income	$1,426,000	3,694
Total interest expense	$155,000	3,705
Net interest income	$1,271,000	3,641
Provision for loan and lease losses	$62,000	2,002
Total noninterest income	$358,000	2,539
Gross Fiduciary activities income	$31,000	843
Service charges on deposit accounts	$59,000	3,655
Trading account gains and fees	$0	147
Additional Noninterest Income	$268,000	2,170
Total noninterest expense	$1,273,000	3,335
Salaries and employee benefits	$807,000	2,979
Premises and equipment expense	$189,000	2,863
Additional noninterest expense	$277,000	4,281
Pre-tax net operating income	$294,000	3,856
Securities gains (losses)	$29,000	834
Applicable income taxes	$20,000	3,505
Income before extraordinary items	$303,000	3,528
Extraordinary gains, net	$0	16
Net income	$303,000	3,531
Minority interest net income	$0	66
Net income of bank and minority interests.	$303,000	3,531
Net charge-offs	$-4,000	5,342
Cash dividends	$250,000	1,571
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$275,740	3,639
2013-12-31 (YTD Data)		Rank
Total interest income	$5,750,000	3,723
Total interest expense	$659,000	3,879
Net interest income	$5,091,000	3,668
Provision for loan and lease losses	$260,000	2,627
Total noninterest income	$2,136,000	2,065
Gross Fiduciary activities income	$72,000	910
Service charges on deposit accounts	$260,000	3,637
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,804,000	1,639
Total noninterest expense	$4,882,000	3,462
Salaries and employee benefits	$3,092,000	3,036
Premises and equipment expense	$612,000	3,263
Additional noninterest expense	$1,178,000	4,241
Pre-tax net operating income	$2,085,000	2,780
Securities gains (losses)	$0	3,182
Applicable income taxes	$34,000	3,912
Income before extraordinary items	$2,051,000	2,553
Extraordinary gains, net	$0	29
Net income	$2,051,000	2,555
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,051,000	2,556
Net charge-offs	$174,000	3,171
Cash dividends	$1,350,000	1,576
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,051,000	2,494
2013-09-30 (YTD Data)		Rank
Total interest income	$4,237,000	3,804
Total interest expense	$498,000	3,945
Net interest income	$3,739,000	3,726
Provision for loan and lease losses	$218,000	2,490
Total noninterest income	$1,735,000	1,997
Gross Fiduciary activities income	$72,000	864
Service charges on deposit accounts	$196,000	3,642
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,467,000	1,575
Total noninterest expense	$3,701,000	3,448
Salaries and employee benefits	$2,328,000	3,062
Premises and equipment expense	$518,000	3,026
Additional noninterest expense	$855,000	4,322
Pre-tax net operating income	$1,555,000	2,853
Securities gains (losses)	$0	3,040
Applicable income taxes	$34,000	3,888
Income before extraordinary items	$1,521,000	2,634
Extraordinary gains, net	$0	25
Net income	$1,521,000	2,638
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,521,000	2,638
Net charge-offs	$3,000	5,003
Cash dividends	$900,000	1,547
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,521,000	2,556
2013-06-30 (YTD Data)		Rank
Total interest income	$2,768,000	3,865
Total interest expense	$336,000	3,993
Net interest income	$2,432,000	3,787
Provision for loan and lease losses	$155,000	2,401
Total noninterest income	$1,179,000	1,998
Gross Fiduciary activities income	$72,000	828
Service charges on deposit accounts	$126,000	3,685
Trading account gains and fees	$0	157
Additional Noninterest Income	$981,000	1,598
Total noninterest expense	$2,463,000	3,470
Salaries and employee benefits	$1,554,000	3,072
Premises and equipment expense	$341,000	3,046
Additional noninterest expense	$568,000	4,324
Pre-tax net operating income	$993,000	2,916
Securities gains (losses)	$0	2,791
Applicable income taxes	$34,000	3,695
Income before extraordinary items	$959,000	2,725
Extraordinary gains, net	$0	22
Net income	$959,000	2,730
Minority interest net income	$0	82
Net income of bank and minority interests.	$959,000	2,730
Net charge-offs	$9,000	4,369
Cash dividends	$650,000	1,459
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$959,000	2,627
2013-03-31 (YTD Data)		Rank
Total interest income	$1,394,000	3,881
Total interest expense	$171,000	4,036
Net interest income	$1,223,000	3,788
Provision for loan and lease losses	$93,000	2,151
Total noninterest income	$606,000	1,939
Gross Fiduciary activities income	$72,000	719
Service charges on deposit accounts	$60,000	3,757
Trading account gains and fees	$0	148
Additional Noninterest Income	$474,000	1,634
Total noninterest expense	$1,191,000	3,581
Salaries and employee benefits	$781,000	3,103
Premises and equipment expense	$170,000	3,091
Additional noninterest expense	$240,000	4,740
Pre-tax net operating income	$545,000	2,717
Securities gains (losses)	$0	1,966
Applicable income taxes	$34,000	3,275
Income before extraordinary items	$511,000	2,541
Extraordinary gains, net	$0	10
Net income	$511,000	2,544
Minority interest net income	$0	76
Net income of bank and minority interests.	$511,000	2,543
Net charge-offs	$14,000	3,305
Cash dividends	$400,000	1,090
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$511,000	2,454
2012-12-31 (YTD Data)		Rank
Total interest income	$6,001,000	3,842
Total interest expense	$804,000	4,110
Net interest income	$5,197,000	3,720
Provision for loan and lease losses	$534,000	2,637
Total noninterest income	$3,022,000	1,630
Gross Fiduciary activities income	$41,000	991
Service charges on deposit accounts	$289,000	3,555
Trading account gains and fees	$0	166
Additional Noninterest Income	$2,692,000	1,265
Total noninterest expense	$5,433,000	3,268
Salaries and employee benefits	$3,267,000	2,947
Premises and equipment expense	$609,000	3,352
Additional noninterest expense	$1,557,000	3,698
Pre-tax net operating income	$2,252,000	2,606
Securities gains (losses)	$336,000	1,262
Applicable income taxes	$20,000	4,211
Income before extraordinary items	$2,568,000	2,121
Extraordinary gains, net	$0	29
Net income	$2,568,000	2,120
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,568,000	2,122
Net charge-offs	$542,000	2,552
Cash dividends	$1,350,000	1,603
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,235,360	2,264
2012-09-30 (YTD Data)		Rank
Total interest income	$4,490,000	3,915
Total interest expense	$621,000	4,162
Net interest income	$3,869,000	3,790
Provision for loan and lease losses	$371,000	2,692
Total noninterest income	$1,996,000	1,792
Gross Fiduciary activities income	$41,000	953
Service charges on deposit accounts	$223,000	3,542
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,732,000	1,398
Total noninterest expense	$3,869,000	3,413
Salaries and employee benefits	$2,312,000	3,085
Premises and equipment expense	$451,000	3,434
Additional noninterest expense	$1,106,000	3,842
Pre-tax net operating income	$1,625,000	2,730
Securities gains (losses)	$202,000	1,425
Applicable income taxes	$20,000	4,156
Income before extraordinary items	$1,807,000	2,290
Extraordinary gains, net	$0	20
Net income	$1,807,000	2,290
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,807,000	2,290
Net charge-offs	$403,000	2,449
Cash dividends	$750,000	1,588
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,607,020	2,391
2012-06-30 (YTD Data)		Rank
Total interest income	$2,973,000	3,957
Total interest expense	$427,000	4,189
Net interest income	$2,546,000	3,845
Provision for loan and lease losses	$204,000	2,950
Total noninterest income	$1,084,000	2,049
Gross Fiduciary activities income	$41,000	915
Service charges on deposit accounts	$155,000	3,444
Trading account gains and fees	$0	153
Additional Noninterest Income	$888,000	1,634
Total noninterest expense	$2,454,000	3,554
Salaries and employee benefits	$1,472,000	3,196
Premises and equipment expense	$300,000	3,434
Additional noninterest expense	$682,000	4,060
Pre-tax net operating income	$972,000	2,905
Securities gains (losses)	$8,000	2,780
Applicable income taxes	$20,000	3,998
Income before extraordinary items	$960,000	2,690
Extraordinary gains, net	$0	19
Net income	$960,000	2,690
Minority interest net income	$0	84
Net income of bank and minority interests.	$960,000	2,690
Net charge-offs	$305,000	2,302
Cash dividends	$500,000	1,580
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$952,160	2,571
2012-03-31 (YTD Data)		Rank
Total interest income	$1,497,000	3,978
Total interest expense	$224,000	4,193
Net interest income	$1,273,000	3,870
Provision for loan and lease losses	$92,000	2,981
Total noninterest income	$465,000	2,257
Gross Fiduciary activities income	$41,000	825
Service charges on deposit accounts	$74,000	3,530
Trading account gains and fees	$0	148
Additional Noninterest Income	$350,000	1,921
Total noninterest expense	$1,189,000	3,658
Salaries and employee benefits	$734,000	3,226
Premises and equipment expense	$150,000	3,460
Additional noninterest expense	$305,000	4,353
Pre-tax net operating income	$457,000	3,054
Securities gains (losses)	$0	2,210
Applicable income taxes	$20,000	3,671
Income before extraordinary items	$437,000	2,893
Extraordinary gains, net	$0	19
Net income	$437,000	2,896
Minority interest net income	$0	78
Net income of bank and minority interests.	$437,000	2,897
Net charge-offs	$112,000	2,348
Cash dividends	$250,000	1,398
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$437,000	2,742
2011-12-31 (YTD Data)		Rank
Total interest income	$6,331,000	3,915
Total interest expense	$1,072,000	4,246
Net interest income	$5,259,000	3,785
Provision for loan and lease losses	$691,000	2,967
Total noninterest income	$1,486,000	2,468
Gross Fiduciary activities income	$48,000	927
Service charges on deposit accounts	$306,000	3,556
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,132,000	1,981
Total noninterest expense	$4,453,000	3,831
Salaries and employee benefits	$2,546,000	3,516
Premises and equipment expense	$625,000	3,479
Additional noninterest expense	$1,282,000	4,270
Pre-tax net operating income	$1,601,000	2,924
Securities gains (losses)	$257,000	1,254
Applicable income taxes	$21,000	4,103
Income before extraordinary items	$1,837,000	2,414
Extraordinary gains, net	$0	29
Net income	$1,837,000	2,414
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,837,000	2,415
Net charge-offs	$663,000	2,846
Cash dividends	$1,000,000	1,609
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,582,570	2,588
2011-09-30 (YTD Data)		Rank
Total interest income	$4,732,000	3,957
Total interest expense	$828,000	4,285
Net interest income	$3,904,000	3,826
Provision for loan and lease losses	$388,000	3,275
Total noninterest income	$934,000	2,735
Gross Fiduciary activities income	$47,000	882
Service charges on deposit accounts	$222,000	3,629
Trading account gains and fees	$0	145
Additional Noninterest Income	$665,000	2,286
Total noninterest expense	$3,218,000	3,934
Salaries and employee benefits	$1,833,000	3,615
Premises and equipment expense	$455,000	3,592
Additional noninterest expense	$930,000	4,367
Pre-tax net operating income	$1,232,000	2,957
Securities gains (losses)	$173,000	1,311
Applicable income taxes	$21,000	4,025
Income before extraordinary items	$1,384,000	2,469
Extraordinary gains, net	$0	21
Net income	$1,384,000	2,470
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,384,000	2,470
Net charge-offs	$389,000	2,947
Cash dividends	$750,000	1,405
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,212,730	2,612
2011-06-30 (YTD Data)		Rank
Total interest income	$3,151,000	3,997
Total interest expense	$571,000	4,304
Net interest income	$2,580,000	3,864
Provision for loan and lease losses	$236,000	3,340
Total noninterest income	$570,000	2,884
Gross Fiduciary activities income	$48,000	855
Service charges on deposit accounts	$147,000	3,631
Trading account gains and fees	$0	153
Additional Noninterest Income	$375,000	2,527
Total noninterest expense	$2,066,000	4,072
Salaries and employee benefits	$1,207,000	3,689
Premises and equipment expense	$301,000	3,636
Additional noninterest expense	$558,000	4,704
Pre-tax net operating income	$848,000	2,816
Securities gains (losses)	$68,000	1,391
Applicable income taxes	$21,000	3,807
Income before extraordinary items	$895,000	2,470
Extraordinary gains, net	$0	15
Net income	$895,000	2,470
Minority interest net income	$0	89
Net income of bank and minority interests.	$895,000	2,470
Net charge-offs	$248,000	2,884
Cash dividends	$500,000	1,397
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$828,360	2,527
2011-03-31 (YTD Data)		Rank
Total interest income	$1,558,000	4,060
Total interest expense	$296,000	4,329
Net interest income	$1,262,000	3,920
Provision for loan and lease losses	$63,000	3,912
Total noninterest income	$261,000	3,074
Gross Fiduciary activities income	$48,000	765
Service charges on deposit accounts	$68,000	3,740
Trading account gains and fees	$0	158
Additional Noninterest Income	$145,000	2,960
Total noninterest expense	$1,012,000	4,151
Salaries and employee benefits	$598,000	3,739
Premises and equipment expense	$143,000	3,826
Additional noninterest expense	$271,000	4,779
Pre-tax net operating income	$448,000	2,758
Securities gains (losses)	$14,000	1,208
Applicable income taxes	$21,000	3,412
Income before extraordinary items	$441,000	2,479
Extraordinary gains, net	$0	9
Net income	$441,000	2,478
Minority interest net income	$0	86
Net income of bank and minority interests.	$441,000	2,479
Net charge-offs	$69,000	3,084
Cash dividends	$250,000	1,233
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$427,700	2,480
2010-12-31 (YTD Data)		Rank
Total interest income	$6,289,000	4,175
Total interest expense	$1,495,000	4,272
Net interest income	$4,794,000	4,078
Provision for loan and lease losses	$479,000	4,209
Total noninterest income	$1,458,000	2,564
Gross Fiduciary activities income	$31,000	1,015
Service charges on deposit accounts	$344,000	3,377
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,083,000	2,089
Total noninterest expense	$4,185,000	4,087
Salaries and employee benefits	$2,394,000	3,701
Premises and equipment expense	$627,000	3,607
Additional noninterest expense	$1,164,000	4,690
Pre-tax net operating income	$1,588,000	2,637
Securities gains (losses)	$51,000	2,642
Applicable income taxes	$21,000	3,989
Income before extraordinary items	$1,618,000	2,381
Extraordinary gains, net	$0	29
Net income	$1,618,000	2,378
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,618,000	2,381
Net charge-offs	$457,000	3,774
Cash dividends	$900,000	1,609
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,567,510	2,339
2010-09-30 (YTD Data)		Rank
Total interest income	$4,748,000	4,241
Total interest expense	$1,162,000	4,328
Net interest income	$3,586,000	4,132
Provision for loan and lease losses	$366,000	4,039
Total noninterest income	$969,000	2,786
Gross Fiduciary activities income	$31,000	973
Service charges on deposit accounts	$262,000	3,416
Trading account gains and fees	$0	165
Additional Noninterest Income	$676,000	2,320
Total noninterest expense	$3,093,000	4,129
Salaries and employee benefits	$1,741,000	3,834
Premises and equipment expense	$482,000	3,581
Additional noninterest expense	$870,000	4,687
Pre-tax net operating income	$1,096,000	2,933
Securities gains (losses)	$50,000	2,404
Applicable income taxes	$20,000	3,999
Income before extraordinary items	$1,126,000	2,675
Extraordinary gains, net	$0	23
Net income	$1,126,000	2,673
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,126,000	2,677
Net charge-offs	$319,000	3,651
Cash dividends	$650,000	1,473
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,077,000	2,618
2010-06-30 (YTD Data)		Rank
Total interest income	$3,187,000	4,266
Total interest expense	$773,000	4,440
Net interest income	$2,414,000	4,109
Provision for loan and lease losses	$252,000	3,871
Total noninterest income	$517,000	3,150
Gross Fiduciary activities income	$31,000	936
Service charges on deposit accounts	$180,000	3,359
Trading account gains and fees	$0	152
Additional Noninterest Income	$306,000	2,811
Total noninterest expense	$1,997,000	4,238
Salaries and employee benefits	$1,101,000	4,013
Premises and equipment expense	$323,000	3,605
Additional noninterest expense	$573,000	4,713
Pre-tax net operating income	$682,000	3,081
Securities gains (losses)	$50,000	1,887
Applicable income taxes	$20,000	3,787
Income before extraordinary items	$712,000	2,730
Extraordinary gains, net	$0	19
Net income	$712,000	2,725
Minority interest net income	$0	105
Net income of bank and minority interests.	$712,000	2,729
Net charge-offs	$233,000	3,366
Cash dividends	$400,000	1,555
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$663,500	2,757
2010-03-31 (YTD Data)		Rank
Total interest income	$1,542,000	4,416
Total interest expense	$392,000	4,526
Net interest income	$1,150,000	4,277
Provision for loan and lease losses	$72,000	4,420
Total noninterest income	$244,000	3,245
Gross Fiduciary activities income	$30,000	854
Service charges on deposit accounts	$96,000	3,228
Trading account gains and fees	$0	175
Additional Noninterest Income	$118,000	3,225
Total noninterest expense	$974,000	4,358
Salaries and employee benefits	$545,000	4,101
Premises and equipment expense	$169,000	3,552
Additional noninterest expense	$260,000	5,002
Pre-tax net operating income	$348,000	3,085
Securities gains (losses)	$58,000	1,067
Applicable income taxes	$20,000	3,454
Income before extraordinary items	$386,000	2,613
Extraordinary gains, net	$0	16
Net income	$386,000	2,610
Minority interest net income	$0	91
Net income of bank and minority interests.	$386,000	2,613
Net charge-offs	$110,000	3,010
Cash dividends	$200,000	1,369
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$330,900	2,832
2009-12-31 (YTD Data)		Rank
Total interest income	$6,468,000	4,396
Total interest expense	$2,024,000	4,414
Net interest income	$4,444,000	4,266
Provision for loan and lease losses	$345,000	5,080
Total noninterest income	$1,402,000	2,680
Gross Fiduciary activities income	$71,000	911
Service charges on deposit accounts	$398,000	3,343
Trading account gains and fees	$0	211
Additional Noninterest Income	$933,000	2,239
Total noninterest expense	$4,032,000	4,318
Salaries and employee benefits	$2,243,000	4,018
Premises and equipment expense	$627,000	3,762
Additional noninterest expense	$1,162,000	4,829
Pre-tax net operating income	$1,469,000	2,378
Securities gains (losses)	$185,000	1,610
Applicable income taxes	$16,000	3,750
Income before extraordinary items	$1,638,000	1,965
Extraordinary gains, net	$0	34
Net income	$1,638,000	1,962
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,638,000	1,964
Net charge-offs	$352,000	4,286
Cash dividends	$760,000	2,005
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,454,850	2,141
2009-09-30 (YTD Data)		Rank
Total interest income	$4,840,000	4,460
Total interest expense	$1,583,000	4,435
Net interest income	$3,257,000	4,343
Provision for loan and lease losses	$267,000	4,781
Total noninterest income	$1,122,000	2,613
Gross Fiduciary activities income	$68,000	872
Service charges on deposit accounts	$298,000	3,362
Trading account gains and fees	$0	212
Additional Noninterest Income	$756,000	2,192
Total noninterest expense	$2,999,000	4,356
Salaries and employee benefits	$1,683,000	4,038
Premises and equipment expense	$439,000	3,988
Additional noninterest expense	$877,000	4,796
Pre-tax net operating income	$1,113,000	2,549
Securities gains (losses)	$95,000	1,880
Applicable income taxes	$16,000	3,877
Income before extraordinary items	$1,192,000	2,190
Extraordinary gains, net	$0	27
Net income	$1,192,000	2,187
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,192,000	2,190
Net charge-offs	$290,000	3,754
Cash dividends	$560,000	1,877
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,097,950	2,282
2009-06-30 (YTD Data)		Rank
Total interest income	$3,196,000	4,523
Total interest expense	$1,102,000	4,453
Net interest income	$2,094,000	4,445
Provision for loan and lease losses	$207,000	4,277
Total noninterest income	$818,000	2,493
Gross Fiduciary activities income	$39,000	902
Service charges on deposit accounts	$197,000	3,348
Trading account gains and fees	$0	193
Additional Noninterest Income	$582,000	2,025
Total noninterest expense	$2,046,000	4,327
Salaries and employee benefits	$1,145,000	4,010
Premises and equipment expense	$291,000	4,028
Additional noninterest expense	$610,000	4,677
Pre-tax net operating income	$659,000	2,868
Securities gains (losses)	$95,000	1,532
Applicable income taxes	$16,000	3,810
Income before extraordinary items	$738,000	2,370
Extraordinary gains, net	$0	21
Net income	$738,000	2,367
Minority interest net income	$0	112
Net income of bank and minority interests.	$738,000	2,369
Net charge-offs	$293,000	2,956
Cash dividends	$360,000	1,994
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$644,900	2,559
2009-03-31 (YTD Data)		Rank
Total interest income	$1,590,000	4,584
Total interest expense	$574,000	4,462
Net interest income	$1,016,000	4,531
Provision for loan and lease losses	$147,000	3,370
Total noninterest income	$431,000	2,373
Gross Fiduciary activities income	$39,000	818
Service charges on deposit accounts	$95,000	3,361
Trading account gains and fees	$0	171
Additional Noninterest Income	$297,000	1,971
Total noninterest expense	$972,000	4,388
Salaries and employee benefits	$569,000	4,051
Premises and equipment expense	$130,000	4,390
Additional noninterest expense	$273,000	4,696
Pre-tax net operating income	$328,000	3,201
Securities gains (losses)	$36,000	1,437
Applicable income taxes	$16,000	3,709
Income before extraordinary items	$348,000	2,831
Extraordinary gains, net	$0	15
Net income	$348,000	2,830
Minority interest net income	$0	102
Net income of bank and minority interests.	$348,000	2,832
Net charge-offs	$282,000	1,836
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$313,440	2,899
2008-12-31 (YTD Data)		Rank
Total interest income	$6,731,000	4,599
Total interest expense	$2,755,000	4,494
Net interest income	$3,976,000	4,588
Provision for loan and lease losses	$786,000	3,074
Total noninterest income	$963,000	3,493
Gross Fiduciary activities income	$37,000	1,016
Service charges on deposit accounts	$436,000	3,286
Trading account gains and fees	$0	154
Additional Noninterest Income	$490,000	3,209
Total noninterest expense	$3,303,000	4,821
Salaries and employee benefits	$1,831,000	4,734
Premises and equipment expense	$604,000	3,917
Additional noninterest expense	$868,000	5,250
Pre-tax net operating income	$850,000	4,061
Securities gains (losses)	$82,000	1,277
Applicable income taxes	$1,000	4,863
Income before extraordinary items	$931,000	3,419
Extraordinary gains, net	$0	39
Net income	$931,000	3,419
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$446,000	2,960
Cash dividends	$550,000	3,232
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$849,000	3,733
2008-09-30 (YTD Data)		Rank
Total interest income	$5,072,000	4,671
Total interest expense	$2,148,000	4,502
Net interest income	$2,924,000	4,684
Provision for loan and lease losses	$355,000	3,276
Total noninterest income	$714,000	3,600
Gross Fiduciary activities income	$19,000	1,065
Service charges on deposit accounts	$320,000	3,357
Trading account gains and fees	$0	148
Additional Noninterest Income	$375,000	3,290
Total noninterest expense	$2,411,000	4,877
Salaries and employee benefits	$1,375,000	4,746
Premises and equipment expense	$415,000	4,188
Additional noninterest expense	$621,000	5,332
Pre-tax net operating income	$872,000	3,939
Securities gains (losses)	$50,000	1,422
Applicable income taxes	$1,000	5,240
Income before extraordinary items	$921,000	3,264
Extraordinary gains, net	$0	31
Net income	$921,000	3,261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$157,000	3,340
Cash dividends	$470,000	2,831
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$871,000	3,530
2008-06-30 (YTD Data)		Rank
Total interest income	$3,401,000	4,711
Total interest expense	$1,529,000	4,459
Net interest income	$1,872,000	4,821
Provision for loan and lease losses	$160,000	3,502
Total noninterest income	$472,000	3,638
Gross Fiduciary activities income	$19,000	1,020
Service charges on deposit accounts	$197,000	3,523
Trading account gains and fees	$0	149
Additional Noninterest Income	$256,000	3,312
Total noninterest expense	$1,588,000	4,946
Salaries and employee benefits	$899,000	4,845
Premises and equipment expense	$266,000	4,337
Additional noninterest expense	$423,000	5,249
Pre-tax net operating income	$596,000	4,037
Securities gains (losses)	$8,000	2,549
Applicable income taxes	$1,000	5,487
Income before extraordinary items	$603,000	3,633
Extraordinary gains, net	$0	21
Net income	$603,000	3,634
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	4,007
Cash dividends	$310,000	2,909
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$595,000	3,604
2008-03-31 (YTD Data)		Rank
Total interest income	$1,710,000	4,785
Total interest expense	$825,000	4,429
Net interest income	$885,000	4,993
Provision for loan and lease losses	$80,000	3,055
Total noninterest income	$263,000	3,410
Gross Fiduciary activities income	$19,000	956
Service charges on deposit accounts	$94,000	3,574
Trading account gains and fees	$0	158
Additional Noninterest Income	$150,000	3,046
Total noninterest expense	$780,000	5,009
Salaries and employee benefits	$447,000	4,911
Premises and equipment expense	$138,000	4,248
Additional noninterest expense	$195,000	5,454
Pre-tax net operating income	$288,000	4,238
Securities gains (losses)	$8,000	2,056
Applicable income taxes	$1,000	5,476
Income before extraordinary items	$295,000	3,830
Extraordinary gains, net	$0	15
Net income	$295,000	3,834
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	3,454
Cash dividends	$150,000	2,574
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$287,000	3,818
2007-12-31 (YTD Data)		Rank
Total interest income	$6,638,000	4,888
Total interest expense	$3,330,000	4,487
Net interest income	$3,308,000	5,227
Provision for loan and lease losses	$123,000	4,588
Total noninterest income	$1,091,000	3,367
Gross Fiduciary activities income	$50,000	1,009
Service charges on deposit accounts	$342,000	3,825
Trading account gains and fees	$0	178
Additional Noninterest Income	$699,000	2,758
Total noninterest expense	$2,996,000	5,009
Salaries and employee benefits	$1,694,000	4,942
Premises and equipment expense	$488,000	4,446
Additional noninterest expense	$814,000	5,293
Pre-tax net operating income	$1,280,000	4,226
Securities gains (losses)	$4,000	1,644
Applicable income taxes	$5,000	5,774
Income before extraordinary items	$1,279,000	3,801
Extraordinary gains, net	$0	39
Net income	$1,279,000	3,800
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	4,608
Cash dividends	$750,000	3,074
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,275,000	3,798
2007-09-30 (YTD Data)		Rank
Total interest income	$4,942,000	4,928
Total interest expense	$2,498,000	4,487
Net interest income	$2,444,000	5,290
Provision for loan and lease losses	$93,000	4,221
Total noninterest income	$814,000	3,357
Gross Fiduciary activities income	$22,000	1,070
Service charges on deposit accounts	$255,000	3,837
Trading account gains and fees	$0	184
Additional Noninterest Income	$537,000	2,721
Total noninterest expense	$2,193,000	5,056
Salaries and employee benefits	$1,248,000	4,969
Premises and equipment expense	$366,000	4,422
Additional noninterest expense	$579,000	5,408
Pre-tax net operating income	$972,000	4,422
Securities gains (losses)	$10,000	1,001
Applicable income taxes	$5,000	5,890
Income before extraordinary items	$977,000	3,944
Extraordinary gains, net	$0	33
Net income	$977,000	3,943
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	4,250
Cash dividends	$450,000	3,069
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$967,100	3,951
2007-06-30 (YTD Data)		Rank
Total interest income	$3,211,000	5,031
Total interest expense	$1,634,000	4,528
Net interest income	$1,577,000	5,427
Provision for loan and lease losses	$63,000	3,949
Total noninterest income	$537,000	3,412
Gross Fiduciary activities income	$22,000	1,030
Service charges on deposit accounts	$161,000	3,952
Trading account gains and fees	$0	168
Additional Noninterest Income	$354,000	2,752
Total noninterest expense	$1,438,000	5,149
Salaries and employee benefits	$817,000	5,072
Premises and equipment expense	$239,000	4,507
Additional noninterest expense	$382,000	5,437
Pre-tax net operating income	$613,000	4,598
Securities gains (losses)	$0	1,444
Applicable income taxes	$5,000	5,893
Income before extraordinary items	$608,000	4,140
Extraordinary gains, net	$0	29
Net income	$608,000	4,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,011
Cash dividends	$300,000	3,098
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$608,000	4,132
2007-03-31 (YTD Data)		Rank
Total interest income	$1,574,000	5,082
Total interest expense	$795,000	4,585
Net interest income	$779,000	5,470
Provision for loan and lease losses	$33,000	3,661
Total noninterest income	$249,000	3,542
Gross Fiduciary activities income	$22,000	957
Service charges on deposit accounts	$77,000	3,989
Trading account gains and fees	$0	195
Additional Noninterest Income	$150,000	3,022
Total noninterest expense	$719,000	5,167
Salaries and employee benefits	$406,000	5,115
Premises and equipment expense	$112,000	4,711
Additional noninterest expense	$201,000	5,243
Pre-tax net operating income	$276,000	4,837
Securities gains (losses)	$0	1,187
Applicable income taxes	$5,000	5,693
Income before extraordinary items	$271,000	4,379
Extraordinary gains, net	$0	22
Net income	$271,000	4,381
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	2,691
Cash dividends	$150,000	2,695
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$271,000	4,364
2006-12-31 (YTD Data)		Rank
Total interest income	$5,761,000	5,138
Total interest expense	$2,773,000	4,525
Net interest income	$2,988,000	5,543
Provision for loan and lease losses	$126,000	4,307
Total noninterest income	$1,103,000	3,324
Gross Fiduciary activities income	$41,000	1,050
Service charges on deposit accounts	$303,000	4,117
Trading account gains and fees	$0	130
Additional Noninterest Income	$759,000	2,659
Total noninterest expense	$2,773,000	5,152
Salaries and employee benefits	$1,602,000	4,985
Premises and equipment expense	$435,000	4,665
Additional noninterest expense	$736,000	5,499
Pre-tax net operating income	$1,192,000	4,801
Securities gains (losses)	$24,000	859
Applicable income taxes	$3,000	6,401
Income before extraordinary items	$1,213,000	4,261
Extraordinary gains, net	$0	51
Net income	$1,213,000	4,261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$170,000	2,414
Cash dividends	$600,000	3,434
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,189,000	4,280
2006-09-30 (YTD Data)		Rank
Total interest income	$4,176,000	5,230
Total interest expense	$1,974,000	4,585
Net interest income	$2,202,000	5,644
Provision for loan and lease losses	$86,000	4,427
Total noninterest income	$840,000	3,291
Gross Fiduciary activities income	$30,000	1,052
Service charges on deposit accounts	$219,000	4,222
Trading account gains and fees	$0	126
Additional Noninterest Income	$591,000	2,593
Total noninterest expense	$2,085,000	5,128
Salaries and employee benefits	$1,212,000	4,936
Premises and equipment expense	$320,000	4,726
Additional noninterest expense	$553,000	5,476
Pre-tax net operating income	$871,000	5,048
Securities gains (losses)	$24,000	702
Applicable income taxes	$3,000	6,487
Income before extraordinary items	$892,000	4,445
Extraordinary gains, net	$0	45
Net income	$892,000	4,449
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$116,000	2,127
Cash dividends	$450,000	3,081
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$868,000	4,492
2006-06-30 (YTD Data)		Rank
Total interest income	$2,693,000	5,305
Total interest expense	$1,228,000	4,646
Net interest income	$1,465,000	5,677
Provision for loan and lease losses	$56,000	4,329
Total noninterest income	$526,000	3,404
Gross Fiduciary activities income	$29,000	1,019
Service charges on deposit accounts	$123,000	4,552
Trading account gains and fees	$0	126
Additional Noninterest Income	$374,000	2,662
Total noninterest expense	$1,403,000	5,112
Salaries and employee benefits	$811,000	4,949
Premises and equipment expense	$221,000	4,633
Additional noninterest expense	$371,000	5,458
Pre-tax net operating income	$532,000	5,273
Securities gains (losses)	$0	1,185
Applicable income taxes	$3,000	6,457
Income before extraordinary items	$529,000	4,747
Extraordinary gains, net	$0	39
Net income	$529,000	4,751
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$117,000	1,561
Cash dividends	$300,000	3,088
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$529,000	4,734
2006-03-31 (YTD Data)		Rank
Total interest income	$1,294,000	5,376
Total interest expense	$566,000	4,755
Net interest income	$728,000	5,684
Provision for loan and lease losses	$48,000	3,203
Total noninterest income	$256,000	3,405
Gross Fiduciary activities income	$29,000	927
Service charges on deposit accounts	$56,000	4,691
Trading account gains and fees	$0	115
Additional Noninterest Income	$171,000	2,748
Total noninterest expense	$720,000	5,041
Salaries and employee benefits	$408,000	4,946
Premises and equipment expense	$119,000	4,441
Additional noninterest expense	$193,000	5,294
Pre-tax net operating income	$216,000	5,679
Securities gains (losses)	$0	955
Applicable income taxes	$3,000	6,254
Income before extraordinary items	$213,000	5,215
Extraordinary gains, net	$0	21
Net income	$213,000	5,214
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	1,382
Cash dividends	$150,000	2,701
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$213,000	5,208
2005-12-31 (YTD Data)		Rank
Total interest income	$4,787,000	5,301
Total interest expense	$1,797,000	4,745
Net interest income	$2,990,000	5,520
Provision for loan and lease losses	$41,000	5,955
Total noninterest income	$985,000	3,601
Gross Fiduciary activities income	$3,000	1,412
Service charges on deposit accounts	$214,000	4,896
Trading account gains and fees	$0	138
Additional Noninterest Income	$768,000	2,614
Total noninterest expense	$2,970,000	4,796
Salaries and employee benefits	$1,580,000	4,884
Premises and equipment expense	$491,000	4,241
Additional noninterest expense	$899,000	4,770
Pre-tax net operating income	$964,000	5,450
Securities gains (losses)	$-9,000	7,501
Applicable income taxes	$-133,000	8,628
Income before extraordinary items	$1,088,000	4,602
Extraordinary gains, net	$0	46
Net income	$1,088,000	4,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	4,517
Cash dividends	$600,000	3,308
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,097,000	4,533
2005-09-30 (YTD Data)		Rank
Total interest income	$3,509,000	5,337
Total interest expense	$1,288,000	4,742
Net interest income	$2,221,000	5,561
Provision for loan and lease losses	$30,000	5,800
Total noninterest income	$716,000	3,684
Gross Fiduciary activities income	$2,000	1,379
Service charges on deposit accounts	$154,000	5,014
Trading account gains and fees	$0	126
Additional Noninterest Income	$560,000	2,666
Total noninterest expense	$2,267,000	4,714
Salaries and employee benefits	$1,221,000	4,774
Premises and equipment expense	$333,000	4,509
Additional noninterest expense	$713,000	4,569
Pre-tax net operating income	$640,000	5,840
Securities gains (losses)	$-9,000	7,876
Applicable income taxes	$-133,000	8,734
Income before extraordinary items	$764,000	4,876
Extraordinary gains, net	$0	35
Net income	$764,000	4,878
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	5,033
Cash dividends	$450,000	2,957
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$773,000	4,810
2005-06-30 (YTD Data)		Rank
Total interest income	$2,280,000	5,350
Total interest expense	$809,000	4,753
Net interest income	$1,471,000	5,562
Provision for loan and lease losses	$30,000	5,130
Total noninterest income	$437,000	3,829
Gross Fiduciary activities income	$2,000	1,342
Service charges on deposit accounts	$98,000	5,081
Trading account gains and fees	$0	116
Additional Noninterest Income	$337,000	2,848
Total noninterest expense	$1,378,000	5,031
Salaries and employee benefits	$814,000	4,755
Premises and equipment expense	$221,000	4,481
Additional noninterest expense	$343,000	5,594
Pre-tax net operating income	$500,000	5,487
Securities gains (losses)	$-10,000	8,138
Applicable income taxes	$-133,000	8,766
Income before extraordinary items	$623,000	4,321
Extraordinary gains, net	$0	30
Net income	$623,000	4,323
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	4,194
Cash dividends	$300,000	2,918
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$633,000	4,225
2005-03-31 (YTD Data)		Rank
Total interest income	$1,098,000	5,451
Total interest expense	$379,000	4,829
Net interest income	$719,000	5,654
Provision for loan and lease losses	$30,000	3,913
Total noninterest income	$199,000	3,990
Gross Fiduciary activities income	$2,000	1,263
Service charges on deposit accounts	$48,000	5,081
Trading account gains and fees	$0	115
Additional Noninterest Income	$149,000	2,992
Total noninterest expense	$680,000	5,101
Salaries and employee benefits	$408,000	4,761
Premises and equipment expense	$106,000	4,677
Additional noninterest expense	$166,000	5,678
Pre-tax net operating income	$208,000	5,878
Securities gains (losses)	$0	1,685
Applicable income taxes	$-127,000	8,859
Income before extraordinary items	$335,000	4,071
Extraordinary gains, net	$0	24
Net income	$335,000	4,073
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	3,216
Cash dividends	$150,000	2,522
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$335,000	4,031
2004-12-31 (YTD Data)		Rank
Total interest income	$4,175,000	5,422
Total interest expense	$1,299,000	4,897
Net interest income	$2,876,000	5,534
Provision for loan and lease losses	$254,000	3,221
Total noninterest income	$1,063,000	3,395
Gross Fiduciary activities income	$24,000	1,173
Service charges on deposit accounts	$208,000	5,139
Trading account gains and fees	$0	138
Additional Noninterest Income	$831,000	2,436
Total noninterest expense	$2,519,000	5,277
Salaries and employee benefits	$1,482,000	4,998
Premises and equipment expense	$385,000	4,889
Additional noninterest expense	$652,000	5,753
Pre-tax net operating income	$1,166,000	4,865
Securities gains (losses)	$5,000	3,151
Applicable income taxes	$0	7,185
Income before extraordinary items	$1,171,000	4,267
Extraordinary gains, net	$0	34
Net income	$1,171,000	4,269
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$203,000	2,563
Cash dividends	$750,000	2,828
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,166,000	4,211
2004-09-30 (YTD Data)		Rank
Total interest income	$3,090,000	5,457
Total interest expense	$949,000	4,926
Net interest income	$2,141,000	5,561
Provision for loan and lease losses	$239,000	2,660
Total noninterest income	$793,000	3,430
Gross Fiduciary activities income	$11,000	1,227
Service charges on deposit accounts	$158,000	5,152
Trading account gains and fees	$0	134
Additional Noninterest Income	$624,000	2,446
Total noninterest expense	$1,807,000	5,403
Salaries and employee benefits	$1,092,000	4,996
Premises and equipment expense	$241,000	5,464
Additional noninterest expense	$474,000	5,792
Pre-tax net operating income	$888,000	4,916
Securities gains (losses)	$5,000	3,038
Applicable income taxes	$0	7,220
Income before extraordinary items	$893,000	4,294
Extraordinary gains, net	$0	26
Net income	$893,000	4,295
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$188,000	1,992
Cash dividends	$450,000	2,852
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$888,000	4,239
2004-06-30 (YTD Data)		Rank
Total interest income	$2,045,000	5,483
Total interest expense	$622,000	5,004
Net interest income	$1,423,000	5,570
Provision for loan and lease losses	$90,000	3,641
Total noninterest income	$452,000	3,799
Gross Fiduciary activities income	$10,000	1,191
Service charges on deposit accounts	$98,000	5,306
Trading account gains and fees	$0	130
Additional Noninterest Income	$344,000	2,758
Total noninterest expense	$1,157,000	5,551
Salaries and employee benefits	$720,000	5,064
Premises and equipment expense	$151,000	5,643
Additional noninterest expense	$286,000	6,123
Pre-tax net operating income	$628,000	4,713
Securities gains (losses)	$7,000	2,608
Applicable income taxes	$0	7,214
Income before extraordinary items	$635,000	4,094
Extraordinary gains, net	$0	21
Net income	$635,000	4,095
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$104,000	2,107
Cash dividends	$300,000	2,849
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$628,000	4,033
2004-03-31 (YTD Data)		Rank
Total interest income	$1,029,000	5,492
Total interest expense	$312,000	5,048
Net interest income	$717,000	5,544
Provision for loan and lease losses	$45,000	3,437
Total noninterest income	$202,000	4,039
Gross Fiduciary activities income	$2,000	1,290
Service charges on deposit accounts	$49,000	5,252
Trading account gains and fees	$0	121
Additional Noninterest Income	$151,000	2,933
Total noninterest expense	$585,000	5,530
Salaries and employee benefits	$364,000	5,051
Premises and equipment expense	$80,000	5,517
Additional noninterest expense	$141,000	6,189
Pre-tax net operating income	$289,000	4,893
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$289,000	4,369
Extraordinary gains, net	$0	16
Net income	$289,000	4,368
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	2,294
Cash dividends	$150,000	2,469
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$289,000	4,242
2003-12-31 (YTD Data)		Rank
Total interest income	$3,810,000	5,802
Total interest expense	$1,425,000	5,032
Net interest income	$2,385,000	6,047
Provision for loan and lease losses	$260,000	3,469
Total noninterest income	$836,000	4,127
Gross Fiduciary activities income	$22,000	1,231
Service charges on deposit accounts	$207,000	5,198
Trading account gains and fees	$0	160
Additional Noninterest Income	$607,000	3,226
Total noninterest expense	$2,179,000	5,711
Salaries and employee benefits	$1,262,000	5,460
Premises and equipment expense	$358,000	5,096
Additional noninterest expense	$559,000	6,199
Pre-tax net operating income	$782,000	5,754
Securities gains (losses)	$56,000	2,403
Applicable income taxes	$0	7,459
Income before extraordinary items	$838,000	5,131
Extraordinary gains, net	$0	54
Net income	$838,000	5,132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	3,531
Cash dividends	$600,000	3,197
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$782,000	5,146
2003-09-30 (YTD Data)		Rank
Total interest income	$2,806,000	5,927
Total interest expense	$1,092,000	5,102
Net interest income	$1,714,000	6,229
Provision for loan and lease losses	$210,000	3,249
Total noninterest income	$625,000	4,193
Gross Fiduciary activities income	$8,000	1,319
Service charges on deposit accounts	$153,000	5,263
Trading account gains and fees	$0	153
Additional Noninterest Income	$464,000	3,263
Total noninterest expense	$1,636,000	5,681
Salaries and employee benefits	$957,000	5,396
Premises and equipment expense	$261,000	5,184
Additional noninterest expense	$418,000	6,206
Pre-tax net operating income	$493,000	6,318
Securities gains (losses)	$24,000	2,852
Applicable income taxes	$0	7,524
Income before extraordinary items	$517,000	5,766
Extraordinary gains, net	$0	40
Net income	$517,000	5,767
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	3,548
Cash dividends	$450,000	2,830
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$493,000	5,718
2003-06-30 (YTD Data)		Rank
Total interest income	$1,853,000	5,973
Total interest expense	$734,000	5,191
Net interest income	$1,119,000	6,313
Provision for loan and lease losses	$210,000	2,412
Total noninterest income	$364,000	4,480
Gross Fiduciary activities income	$1,000	1,488
Service charges on deposit accounts	$102,000	5,238
Trading account gains and fees	$0	150
Additional Noninterest Income	$261,000	3,547
Total noninterest expense	$1,048,000	5,835
Salaries and employee benefits	$625,000	5,481
Premises and equipment expense	$153,000	5,589
Additional noninterest expense	$270,000	6,303
Pre-tax net operating income	$225,000	7,006
Securities gains (losses)	$15,000	2,750
Applicable income taxes	$0	7,529
Income before extraordinary items	$240,000	6,615
Extraordinary gains, net	$0	30
Net income	$240,000	6,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,000	2,718
Cash dividends	$300,000	2,868
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$225,000	6,545
2003-03-31 (YTD Data)		Rank
Total interest income	$927,000	6,006
Total interest expense	$376,000	5,217
Net interest income	$551,000	6,340
Provision for loan and lease losses	$30,000	4,429
Total noninterest income	$124,000	5,379
Gross Fiduciary activities income	$1,000	1,409
Service charges on deposit accounts	$53,000	5,050
Trading account gains and fees	$0	134
Additional Noninterest Income	$70,000	4,607
Total noninterest expense	$519,000	5,876
Salaries and employee benefits	$305,000	5,564
Premises and equipment expense	$75,000	5,636
Additional noninterest expense	$139,000	6,198
Pre-tax net operating income	$126,000	6,812
Securities gains (losses)	$15,000	2,029
Applicable income taxes	$0	7,403
Income before extraordinary items	$141,000	6,158
Extraordinary gains, net	$0	21
Net income	$141,000	6,157
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	8,613
Cash dividends	$150,000	2,511
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$126,000	6,264
2002-12-31 (YTD Data)		Rank
Total interest income	$4,056,000	5,865
Total interest expense	$1,711,000	5,304
Net interest income	$2,345,000	6,112
Provision for loan and lease losses	$160,000	4,794
Total noninterest income	$671,000	4,447
Gross Fiduciary activities income	$37,000	1,178
Service charges on deposit accounts	$202,000	5,168
Trading account gains and fees	$0	153
Additional Noninterest Income	$432,000	3,551
Total noninterest expense	$1,809,000	6,244
Salaries and employee benefits	$987,000	6,188
Premises and equipment expense	$307,000	5,494
Additional noninterest expense	$515,000	6,416
Pre-tax net operating income	$1,047,000	5,086
Securities gains (losses)	$10,000	3,604
Applicable income taxes	$0	7,681
Income before extraordinary items	$1,057,000	4,437
Extraordinary gains, net	$0	70
Net income	$1,057,000	4,438
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$179,000	3,194
Cash dividends	$600,000	3,138
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,047,000	4,360
2001-12-31 (YTD Data)		Rank
Total interest income	$4,370,000	6,047
Total interest expense	$2,218,000	5,785
Net interest income	$2,152,000	6,198
Provision for loan and lease losses	$170,000	4,530
Total noninterest income	$510,000	5,011
Gross Fiduciary activities income	$60,000	1,098
Service charges on deposit accounts	$190,000	5,285
Trading account gains and fees	$0	177
Additional Noninterest Income	$260,000	4,413
Total noninterest expense	$1,625,000	6,525
Salaries and employee benefits	$848,000	6,592
Premises and equipment expense	$360,000	4,932
Additional noninterest expense	$417,000	7,020
Pre-tax net operating income	$867,000	5,291
Securities gains (losses)	$190,000	1,230
Applicable income taxes	$305,000	4,228
Income before extraordinary items	$752,000	5,043
Extraordinary gains, net	$0	105
Net income	$752,000	5,047
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	5,426
Cash dividends	$200,000	4,983
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$617,100	5,415
2000-12-31 (YTD Data)		Rank
Total interest income	$4,155,000	6,363
Total interest expense	$2,098,000	6,130
Net interest income	$2,057,000	6,487
Provision for loan and lease losses	$120,000	4,828
Total noninterest income	$340,000	5,973
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$166,000	5,543
Trading account gains and fees	NA	NA
Additional Noninterest Income	$174,000	5,123
Total noninterest expense	$1,482,000	6,794
Salaries and employee benefits	$791,000	6,771
Premises and equipment expense	$339,000	5,051
Additional noninterest expense	$352,000	7,541
Pre-tax net operating income	$795,000	5,885
Securities gains (losses)	$-34,000	9,005
Applicable income taxes	$222,000	5,208
Income before extraordinary items	$539,000	6,132
Extraordinary gains, net	$0	38
Net income	$539,000	6,130
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	3,120
Cash dividends	$400,000	3,920
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$563,140	6,033
1999-12-31 (YTD Data)		Rank
Total interest income	$3,730,000	6,584
Total interest expense	$1,813,000	6,328
Net interest income	$1,917,000	6,794
Provision for loan and lease losses	$111,000	5,007
Total noninterest income	$337,000	6,119
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$150,000	5,840
Trading account gains and fees	NA	NA
Additional Noninterest Income	$187,000	5,093
Total noninterest expense	$1,419,000	6,994
Salaries and employee benefits	$743,000	7,014
Premises and equipment expense	$308,000	5,384
Additional noninterest expense	$368,000	7,552
Pre-tax net operating income	$724,000	6,230
Securities gains (losses)	$0	3,155
Applicable income taxes	$154,000	6,229
Income before extraordinary items	$570,000	6,045
Extraordinary gains, net	$0	35
Net income	$570,000	6,041
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	4,770
Cash dividends	$350,000	4,197
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$570,000	6,016
1998-12-31 (YTD Data)		Rank
Total interest income	$3,459,000	7,003
Total interest expense	$1,713,000	6,739
Net interest income	$1,746,000	7,169
Provision for loan and lease losses	$74,000	5,769
Total noninterest income	$333,000	6,173
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$107,000	6,731
Trading account gains and fees	NA	NA
Additional Noninterest Income	$226,000	4,662
Total noninterest expense	$1,336,000	7,138
Salaries and employee benefits	$742,000	6,966
Premises and equipment expense	$223,000	6,369
Additional noninterest expense	$371,000	7,466
Pre-tax net operating income	$669,000	6,603
Securities gains (losses)	$-6,000	10,112
Applicable income taxes	$200,000	6,190
Income before extraordinary items	$463,000	6,831
Extraordinary gains, net	$0	32
Net income	$463,000	6,829
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	4,414
Cash dividends	$435,000	3,842
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$467,200	6,696
1997-12-31 (YTD Data)		Rank
Total interest income	$3,196,000	7,514
Total interest expense	$1,528,000	7,276
Net interest income	$1,668,000	7,620
Provision for loan and lease losses	$60,000	6,153
Total noninterest income	$268,000	7,019
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$100,000	7,200
Trading account gains and fees	NA	NA
Additional Noninterest Income	$168,000	5,393
Total noninterest expense	$1,246,000	7,510
Salaries and employee benefits	$735,000	7,113
Premises and equipment expense	$157,000	7,652
Additional noninterest expense	$354,000	7,767
Pre-tax net operating income	$630,000	7,289
Securities gains (losses)	$13,000	2,177
Applicable income taxes	$203,000	6,834
Income before extraordinary items	$440,000	7,376
Extraordinary gains, net	$0	44
Net income	$440,000	7,379
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,092
Cash dividends	$180,000	5,601
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$431,160	7,381
1996-12-31 (YTD Data)		Rank
Total interest income	$2,957,000	8,059
Total interest expense	$1,421,000	7,783
Net interest income	$1,536,000	8,176
Provision for loan and lease losses	$55,000	6,421
Total noninterest income	$192,000	8,339
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$40,000	9,108
Trading account gains and fees	NA	NA
Additional Noninterest Income	$152,000	5,934
Total noninterest expense	$1,062,000	8,464
Salaries and employee benefits	$634,000	7,930
Premises and equipment expense	$110,000	9,028
Additional noninterest expense	$318,000	8,690
Pre-tax net operating income	$611,000	7,358
Securities gains (losses)	$-6,000	10,029
Applicable income taxes	$198,000	7,164
Income before extraordinary items	$407,000	7,558
Extraordinary gains, net	$0	53
Net income	$407,000	7,556
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	5,548
Cash dividends	$120,000	6,384
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$411,020	7,470
1995-12-31 (YTD Data)		Rank
Total interest income	$2,458,000	9,035
Total interest expense	$1,185,000	8,631
Net interest income	$1,273,000	9,144
Provision for loan and lease losses	$17,000	7,866
Total noninterest income	$122,000	9,820
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	9,864
Trading account gains and fees	NA	NA
Additional Noninterest Income	$95,000	7,393
Total noninterest expense	$845,000	9,582
Salaries and employee benefits	$451,000	9,530
Premises and equipment expense	$108,000	9,386
Additional noninterest expense	$286,000	9,391
Pre-tax net operating income	$533,000	8,259
Securities gains (losses)	$88,000	1,019
Applicable income taxes	$187,000	7,653
Income before extraordinary items	$434,000	7,780
Extraordinary gains, net	$0	65
Net income	$434,000	7,779
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,374
Cash dividends	$120,000	6,469
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$372,400	8,281
1994-12-31 (YTD Data)		Rank
Total interest income	$1,961,000	9,868
Total interest expense	$875,000	9,237
Net interest income	$1,086,000	10,115
Provision for loan and lease losses	$0	9,146
Total noninterest income	$145,000	9,799
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$31,000	10,297
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	7,101
Total noninterest expense	$1,006,000	9,321
Salaries and employee benefits	$673,000	8,084
Premises and equipment expense	$69,000	10,998
Additional noninterest expense	$264,000	10,358
Pre-tax net operating income	$225,000	10,702
Securities gains (losses)	$11,000	2,158
Applicable income taxes	$117,000	8,983
Income before extraordinary items	$119,000	11,176
Extraordinary gains, net	$0	249
Net income	$119,000	11,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,704
Cash dividends	$80,000	7,289
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$111,960	11,306
1993-12-31 (YTD Data)		Rank
Total interest income	$1,978,000	10,229
Total interest expense	$901,000	9,546
Net interest income	$1,077,000	10,494
Provision for loan and lease losses	$0	10,371
Total noninterest income	$114,000	10,983
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$21,000	10,981
Trading account gains and fees	NA	NA
Additional Noninterest Income	$93,000	8,112
Total noninterest expense	$870,000	10,344
Salaries and employee benefits	$518,000	9,481
Premises and equipment expense	$86,000	10,933
Additional noninterest expense	$266,000	10,877
Pre-tax net operating income	$321,000	10,066
Securities gains (losses)	$0	7,477
Applicable income taxes	$103,000	9,654
Income before extraordinary items	$218,000	10,441
Extraordinary gains, net	$19,000	2,728
Net income	$237,000	10,323
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	12,247
Cash dividends	$80,000	7,275
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$218,000	10,193
1992-12-31 (YTD Data)		Rank
Total interest income	$2,378,000	10,136
Total interest expense	$1,178,000	9,681
Net interest income	$1,200,000	10,324
Provision for loan and lease losses	$20,000	10,574
Total noninterest income	$99,000	11,759
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$20,000	11,362
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	8,899
Total noninterest expense	$916,000	10,388
Salaries and employee benefits	$603,000	8,780
Premises and equipment expense	$60,000	12,283
Additional noninterest expense	$253,000	11,486
Pre-tax net operating income	$363,000	9,551
Securities gains (losses)	$0	8,369
Applicable income taxes	$119,000	9,396
Income before extraordinary items	$244,000	9,998
Extraordinary gains, net	$0	1,422
Net income	$244,000	10,150
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	9,186
Cash dividends	$80,000	6,992
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$244,000	9,631

* 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.