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Genesee Regional Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$55,345,000	857
Total interest expense	$29,454,000	595
Net interest income	$25,891,000	1,163
Provision for loan and lease losses	$1,446,000	664
Total noninterest income	$9,700,000	750
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$891,000	1,094
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,809,000	588
Total noninterest expense	$23,840,000	1,052
Salaries and employee benefits	$13,484,000	1,044
Premises and equipment expense	$1,592,000	1,464
Additional noninterest expense	$8,809,000	588
Pre-tax net operating income	$10,305,000	1,135
Securities gains (losses)	$-3,108,000	4,447
Applicable income taxes	$1,477,000	1,197
Income before extraordinary items	$5,720,000	1,577
Extraordinary gains, net	$0	54
Net income	$5,720,000	1,594
Minority interest net income	$0	88
Net income of bank and minority interests.	$5,720,000	1,580
Net charge-offs	$3,000	2,678
Cash dividends	$961,000	2,222
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$8,175,320	1,214
2023-09-30 (YTD Data)		Rank
Total interest income	$40,898,000	856
Total interest expense	$21,385,000	574
Net interest income	$19,513,000	1,173
Provision for loan and lease losses	$1,047,000	636
Total noninterest income	$7,390,000	751
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$655,000	1,100
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,735,000	594
Total noninterest expense	$17,341,000	1,075
Salaries and employee benefits	$9,644,000	1,102
Premises and equipment expense	$1,196,000	1,463
Additional noninterest expense	$6,735,000	594
Pre-tax net operating income	$8,515,000	1,101
Securities gains (losses)	$-3,108,000	4,536
Applicable income taxes	$1,036,000	1,261
Income before extraordinary items	$4,371,000	1,606
Extraordinary gains, net	$0	52
Net income	$4,371,000	1,618
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,371,000	1,606
Net charge-offs	$171,000	951
Cash dividends	$521,000	2,210
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$6,888,480	1,148
2023-06-30 (YTD Data)		Rank
Total interest income	$26,786,000	838
Total interest expense	$13,570,000	532
Net interest income	$13,216,000	1,170
Provision for loan and lease losses	$747,000	612
Total noninterest income	$4,606,000	771
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$441,000	1,080
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,165,000	603
Total noninterest expense	$11,209,000	1,088
Salaries and employee benefits	$5,925,000	1,163
Premises and equipment expense	$800,000	1,454
Additional noninterest expense	$4,165,000	603
Pre-tax net operating income	$5,866,000	1,064
Securities gains (losses)	$0	938
Applicable income taxes	$1,282,000	854
Income before extraordinary items	$4,584,000	1,124
Extraordinary gains, net	$0	51
Net income	$4,584,000	1,137
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,584,000	1,124
Net charge-offs	$166,000	742
Cash dividends	$481,000	2,001
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$4,584,000	1,139
2023-03-31 (YTD Data)		Rank
Total interest income	$12,618,000	868
Total interest expense	$5,873,000	532
Net interest income	$6,745,000	1,155
Provision for loan and lease losses	$220,000	847
Total noninterest income	$1,792,000	903
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$214,000	1,118
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,578,000	716
Total noninterest expense	$5,474,000	1,129
Salaries and employee benefits	$2,785,000	1,249
Premises and equipment expense	$435,000	1,395
Additional noninterest expense	$1,578,000	716
Pre-tax net operating income	$2,843,000	1,123
Securities gains (losses)	$0	950
Applicable income taxes	$600,000	926
Income before extraordinary items	$2,243,000	1,174
Extraordinary gains, net	$0	4
Net income	$2,243,000	1,173
Minority interest net income	$0	48
Net income of bank and minority interests.	$2,243,000	1,173
Net charge-offs	$1,000	1,904
Cash dividends	$40,000	2,247
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$2,243,000	1,192
2022-12-31 (YTD Data)		Rank
Total interest income	$38,511,000	920
Total interest expense	$6,738,000	618
Net interest income	$31,773,000	975
Provision for loan and lease losses	$341,000	1,454
Total noninterest income	$12,583,000	660
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$787,000	1,224
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,796,000	497
Total noninterest expense	$23,994,000	1,030
Salaries and employee benefits	$14,194,000	1,003
Premises and equipment expense	$1,673,000	1,416
Additional noninterest expense	$11,796,000	497
Pre-tax net operating income	$20,021,000	750
Securities gains (losses)	$-2,790,000	4,589
Applicable income taxes	$3,501,000	749
Income before extraordinary items	$13,730,000	870
Extraordinary gains, net	$0	5
Net income	$13,730,000	871
Minority interest net income	$0	63
Net income of bank and minority interests.	$13,730,000	871
Net charge-offs	$-26,000	3,906
Cash dividends	$5,232,000	747
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$15,962,000	770
2022-09-30 (YTD Data)		Rank
Total interest income	$26,829,000	949
Total interest expense	$2,991,000	739
Net interest income	$23,838,000	957
Provision for loan and lease losses	$642,000	828
Total noninterest income	$10,542,000	623
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$582,000	1,251
Trading account gains and fees	NA	NA
Additional Noninterest Income	$9,960,000	472
Total noninterest expense	$18,787,000	1,003
Salaries and employee benefits	$11,629,000	927
Premises and equipment expense	$1,173,000	1,494
Additional noninterest expense	$9,960,000	472
Pre-tax net operating income	$14,951,000	753
Securities gains (losses)	$0	740
Applicable income taxes	$3,088,000	680
Income before extraordinary items	$11,863,000	770
Extraordinary gains, net	$0	4
Net income	$11,863,000	770
Minority interest net income	$0	57
Net income of bank and minority interests.	$11,863,000	770
Net charge-offs	$-25,000	3,871
Cash dividends	$4,217,000	659
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$11,863,000	781
2022-06-30 (YTD Data)		Rank
Total interest income	$16,604,000	970
Total interest expense	$914,000	1,226
Net interest income	$15,690,000	951
Provision for loan and lease losses	$644,000	582
Total noninterest income	$8,016,000	554
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$376,000	1,255
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,640,000	442
Total noninterest expense	$12,332,000	1,004
Salaries and employee benefits	$7,648,000	924
Premises and equipment expense	$767,000	1,513
Additional noninterest expense	$3,917,000	949
Pre-tax net operating income	$10,730,000	669
Securities gains (losses)	$0	687
Applicable income taxes	$2,193,000	628
Income before extraordinary items	$8,537,000	680
Extraordinary gains, net	$0	4
Net income	$8,537,000	680
Minority interest net income	$0	60
Net income of bank and minority interests.	$8,537,000	680
Net charge-offs	$-19,000	3,869
Cash dividends	$3,071,000	603
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$8,537,000	689
2022-03-31 (YTD Data)		Rank
Total interest income	$7,813,000	990
Total interest expense	$270,000	1,820
Net interest income	$7,543,000	961
Provision for loan and lease losses	$357,000	435
Total noninterest income	$4,211,000	544
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$183,000	1,259
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,028,000	437
Total noninterest expense	$5,974,000	1,023
Salaries and employee benefits	$3,793,000	937
Premises and equipment expense	$396,000	1,483
Additional noninterest expense	$1,785,000	1,012
Pre-tax net operating income	$5,423,000	651
Securities gains (losses)	$0	623
Applicable income taxes	$1,220,000	570
Income before extraordinary items	$4,203,000	673
Extraordinary gains, net	$0	4
Net income	$4,203,000	673
Minority interest net income	$0	50
Net income of bank and minority interests.	$4,203,000	673
Net charge-offs	$-18,000	4,112
Cash dividends	$1,195,000	691
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$4,203,000	680
2021-12-31 (YTD Data)		Rank
Total interest income	$31,412,000	1,012
Total interest expense	$983,000	2,236
Net interest income	$30,429,000	958
Provision for loan and lease losses	$-981,000	4,525
Total noninterest income	$16,859,000	589
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$748,000	1,190
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,111,000	489
Total noninterest expense	$23,232,000	1,041
Salaries and employee benefits	$14,894,000	943
Premises and equipment expense	$1,512,000	1,508
Additional noninterest expense	$6,826,000	1,044
Pre-tax net operating income	$25,037,000	630
Securities gains (losses)	$22,000	1,473
Applicable income taxes	$5,785,000	565
Income before extraordinary items	$19,274,000	663
Extraordinary gains, net	$0	10
Net income	$19,274,000	664
Minority interest net income	$0	74
Net income of bank and minority interests.	$19,274,000	664
Net charge-offs	$36,000	1,822
Cash dividends	$6,484,000	644
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$19,256,620	653
2021-09-30 (YTD Data)		Rank
Total interest income	$22,875,000	1,061
Total interest expense	$725,000	2,354
Net interest income	$22,150,000	1,004
Provision for loan and lease losses	$-908,000	4,615
Total noninterest income	$12,693,000	600
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$560,000	1,189
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,133,000	502
Total noninterest expense	$16,875,000	1,074
Salaries and employee benefits	$11,270,000	939
Premises and equipment expense	$1,114,000	1,561
Additional noninterest expense	$4,491,000	1,152
Pre-tax net operating income	$18,876,000	642
Securities gains (losses)	$0	2,015
Applicable income taxes	$4,463,000	578
Income before extraordinary items	$14,413,000	691
Extraordinary gains, net	$0	8
Net income	$14,413,000	691
Minority interest net income	$0	69
Net income of bank and minority interests.	$14,413,000	691
Net charge-offs	$36,000	1,498
Cash dividends	$4,446,000	644
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$14,413,000	679
2021-06-30 (YTD Data)		Rank
Total interest income	$14,803,000	1,077
Total interest expense	$493,000	2,401
Net interest income	$14,310,000	1,013
Provision for loan and lease losses	$-152,000	4,517
Total noninterest income	$8,364,000	602
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$373,000	1,164
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,991,000	513
Total noninterest expense	$11,198,000	1,068
Salaries and employee benefits	$7,632,000	921
Premises and equipment expense	$755,000	1,538
Additional noninterest expense	$2,811,000	1,182
Pre-tax net operating income	$11,628,000	673
Securities gains (losses)	$0	1,818
Applicable income taxes	$2,748,000	597
Income before extraordinary items	$8,880,000	724
Extraordinary gains, net	$0	6
Net income	$8,880,000	724
Minority interest net income	$0	67
Net income of bank and minority interests.	$8,880,000	724
Net charge-offs	$-3,000	3,379
Cash dividends	$2,872,000	647
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$8,880,000	705
2021-03-31 (YTD Data)		Rank
Total interest income	$7,203,000	1,101
Total interest expense	$265,000	2,355
Net interest income	$6,938,000	1,035
Provision for loan and lease losses	$95,000	1,295
Total noninterest income	$3,541,000	682
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$175,000	1,211
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,366,000	581
Total noninterest expense	$5,498,000	1,073
Salaries and employee benefits	$3,784,000	929
Premises and equipment expense	$379,000	1,545
Additional noninterest expense	$1,335,000	1,220
Pre-tax net operating income	$4,886,000	787
Securities gains (losses)	$0	1,392
Applicable income taxes	$1,103,000	699
Income before extraordinary items	$3,783,000	847
Extraordinary gains, net	$0	3
Net income	$3,783,000	847
Minority interest net income	$0	55
Net income of bank and minority interests.	$3,783,000	847
Net charge-offs	$-2,000	3,357
Cash dividends	$255,000	1,670
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$3,783,000	826
2020-12-31 (YTD Data)		Rank
Total interest income	$28,864,000	1,098
Total interest expense	$2,346,000	1,789
Net interest income	$26,518,000	1,016
Provision for loan and lease losses	$3,065,000	788
Total noninterest income	$14,397,000	632
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$667,000	1,295
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,730,000	523
Total noninterest expense	$18,833,000	1,159
Salaries and employee benefits	$11,730,000	1,091
Premises and equipment expense	$1,372,000	1,629
Additional noninterest expense	$5,731,000	1,138
Pre-tax net operating income	$19,017,000	617
Securities gains (losses)	$0	2,675
Applicable income taxes	$3,932,000	589
Income before extraordinary items	$15,085,000	663
Extraordinary gains, net	$0	4
Net income	$15,085,000	663
Minority interest net income	$0	72
Net income of bank and minority interests.	$15,085,000	663
Net charge-offs	$-190,000	4,842
Cash dividends	$3,796,000	944
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$15,085,000	636
2020-09-30 (YTD Data)		Rank
Total interest income	$20,443,000	1,149
Total interest expense	$2,002,000	1,696
Net interest income	$18,441,000	1,073
Provision for loan and lease losses	$2,076,000	871
Total noninterest income	$8,961,000	686
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$487,000	1,304
Trading account gains and fees	NA	NA
Additional Noninterest Income	$8,474,000	566
Total noninterest expense	$13,637,000	1,175
Salaries and employee benefits	$8,466,000	1,112
Premises and equipment expense	$1,035,000	1,616
Additional noninterest expense	$4,136,000	1,154
Pre-tax net operating income	$11,689,000	691
Securities gains (losses)	$0	2,494
Applicable income taxes	$2,168,000	681
Income before extraordinary items	$9,521,000	746
Extraordinary gains, net	$0	4
Net income	$9,521,000	746
Minority interest net income	$0	65
Net income of bank and minority interests.	$9,521,000	746
Net charge-offs	$-120,000	4,847
Cash dividends	$2,041,000	1,088
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$9,521,000	716
2020-06-30 (YTD Data)		Rank
Total interest income	$13,086,000	1,198
Total interest expense	$1,636,000	1,544
Net interest income	$11,450,000	1,133
Provision for loan and lease losses	$1,074,000	1,039
Total noninterest income	$4,160,000	839
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$321,000	1,332
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,839,000	693
Total noninterest expense	$8,678,000	1,207
Salaries and employee benefits	$5,245,000	1,188
Premises and equipment expense	$687,000	1,612
Additional noninterest expense	$2,746,000	1,148
Pre-tax net operating income	$5,858,000	833
Securities gains (losses)	$0	2,249
Applicable income taxes	$815,000	973
Income before extraordinary items	$5,043,000	844
Extraordinary gains, net	$0	4
Net income	$5,043,000	844
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,043,000	844
Net charge-offs	$-72,000	4,830
Cash dividends	$1,763,000	890
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$5,043,000	811
2020-03-31 (YTD Data)		Rank
Total interest income	$6,719,000	1,180
Total interest expense	$1,129,000	1,301
Net interest income	$5,590,000	1,139
Provision for loan and lease losses	$281,000	1,234
Total noninterest income	$1,374,000	1,044
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$183,000	1,393
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,191,000	857
Total noninterest expense	$4,334,000	1,224
Salaries and employee benefits	$2,655,000	1,177
Premises and equipment expense	$349,000	1,616
Additional noninterest expense	$1,330,000	1,200
Pre-tax net operating income	$2,349,000	928
Securities gains (losses)	$0	1,705
Applicable income taxes	$474,000	768
Income before extraordinary items	$1,875,000	988
Extraordinary gains, net	$0	4
Net income	$1,875,000	988
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,875,000	988
Net charge-offs	$-70,000	4,918
Cash dividends	$204,000	1,907
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,875,000	983
2019-12-31 (YTD Data)		Rank
Total interest income	$28,151,000	1,136
Total interest expense	$6,073,000	1,044
Net interest income	$22,078,000	1,152
Provision for loan and lease losses	$788,000	1,090
Total noninterest income	$6,432,000	951
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$704,000	1,488
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,728,000	753
Total noninterest expense	$16,647,000	1,238
Salaries and employee benefits	$10,091,000	1,198
Premises and equipment expense	$1,429,000	1,564
Additional noninterest expense	$5,127,000	1,214
Pre-tax net operating income	$11,075,000	974
Securities gains (losses)	$-119,000	5,093
Applicable income taxes	$2,402,000	806
Income before extraordinary items	$8,554,000	1,060
Extraordinary gains, net	$0	11
Net income	$8,554,000	1,061
Minority interest net income	$0	76
Net income of bank and minority interests.	$8,554,000	1,061
Net charge-offs	$316,000	1,328
Cash dividends	$1,971,000	1,604
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$8,648,010	1,027
2019-09-30 (YTD Data)		Rank
Total interest income	$21,200,000	1,143
Total interest expense	$4,657,000	1,032
Net interest income	$16,543,000	1,164
Provision for loan and lease losses	$804,000	823
Total noninterest income	$4,178,000	1,043
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$528,000	1,499
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,650,000	838
Total noninterest expense	$12,637,000	1,236
Salaries and employee benefits	$7,676,000	1,186
Premises and equipment expense	$1,092,000	1,555
Additional noninterest expense	$3,869,000	1,203
Pre-tax net operating income	$7,280,000	1,100
Securities gains (losses)	$0	2,167
Applicable income taxes	$1,497,000	943
Income before extraordinary items	$5,783,000	1,171
Extraordinary gains, net	$0	11
Net income	$5,783,000	1,173
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,783,000	1,173
Net charge-offs	$333,000	972
Cash dividends	$1,226,000	1,607
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$5,783,000	1,148
2019-06-30 (YTD Data)		Rank
Total interest income	$14,024,000	1,145
Total interest expense	$3,022,000	1,041
Net interest income	$11,002,000	1,170
Provision for loan and lease losses	$596,000	756
Total noninterest income	$2,150,000	1,212
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$344,000	1,504
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,806,000	1,006
Total noninterest expense	$8,551,000	1,232
Salaries and employee benefits	$5,152,000	1,174
Premises and equipment expense	$752,000	1,518
Additional noninterest expense	$2,647,000	1,195
Pre-tax net operating income	$4,005,000	1,227
Securities gains (losses)	$0	1,702
Applicable income taxes	$805,000	1,048
Income before extraordinary items	$3,200,000	1,325
Extraordinary gains, net	$0	11
Net income	$3,200,000	1,324
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,200,000	1,325
Net charge-offs	$341,000	724
Cash dividends	$1,029,000	1,399
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$3,200,000	1,300
2019-03-31 (YTD Data)		Rank
Total interest income	$6,849,000	1,159
Total interest expense	$1,503,000	1,016
Net interest income	$5,346,000	1,207
Provision for loan and lease losses	$421,000	538
Total noninterest income	$993,000	1,243
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$165,000	1,551
Trading account gains and fees	NA	NA
Additional Noninterest Income	$828,000	1,021
Total noninterest expense	$4,243,000	1,232
Salaries and employee benefits	$2,554,000	1,186
Premises and equipment expense	$393,000	1,480
Additional noninterest expense	$1,296,000	1,207
Pre-tax net operating income	$1,675,000	1,392
Securities gains (losses)	$0	1,087
Applicable income taxes	$332,000	1,188
Income before extraordinary items	$1,343,000	1,486
Extraordinary gains, net	$0	5
Net income	$1,343,000	1,485
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,343,000	1,485
Net charge-offs	$-22,000	4,889
Cash dividends	$411,000	1,484
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,343,000	1,460
2018-12-31 (YTD Data)		Rank
Total interest income	$25,807,000	1,144
Total interest expense	$4,705,000	976
Net interest income	$21,102,000	1,182
Provision for loan and lease losses	$2,672,000	407
Total noninterest income	$3,760,000	1,331
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$621,000	1,697
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,139,000	1,109
Total noninterest expense	$15,432,000	1,317
Salaries and employee benefits	$8,828,000	1,312
Premises and equipment expense	$1,316,000	1,681
Additional noninterest expense	$5,288,000	1,193
Pre-tax net operating income	$6,758,000	1,393
Securities gains (losses)	$-33,000	4,745
Applicable income taxes	$1,304,000	1,164
Income before extraordinary items	$5,421,000	1,477
Extraordinary gains, net	$0	6
Net income	$5,421,000	1,476
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,421,000	1,476
Net charge-offs	$2,961,000	285
Cash dividends	$1,428,000	1,809
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$5,447,730	1,469
2018-09-30 (YTD Data)		Rank
Total interest income	$18,826,000	1,160
Total interest expense	$3,240,000	986
Net interest income	$15,586,000	1,199
Provision for loan and lease losses	$2,119,000	378
Total noninterest income	$4,098,000	1,046
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$464,000	1,717
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,634,000	824
Total noninterest expense	$12,722,000	1,210
Salaries and employee benefits	$7,860,000	1,134
Premises and equipment expense	$996,000	1,686
Additional noninterest expense	$3,866,000	1,215
Pre-tax net operating income	$4,843,000	1,459
Securities gains (losses)	$-33,000	5,048
Applicable income taxes	$889,000	1,266
Income before extraordinary items	$3,921,000	1,546
Extraordinary gains, net	$0	5
Net income	$3,921,000	1,545
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,921,000	1,545
Net charge-offs	$1,755,000	299
Cash dividends	$881,000	1,804
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,948,060	1,525
2018-06-30 (YTD Data)		Rank
Total interest income	$12,297,000	1,172
Total interest expense	$1,965,000	1,022
Net interest income	$10,332,000	1,195
Provision for loan and lease losses	$726,000	605
Total noninterest income	$2,247,000	1,175
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$307,000	1,713
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,940,000	954
Total noninterest expense	$8,099,000	1,252
Salaries and employee benefits	$5,037,000	1,172
Premises and equipment expense	$672,000	1,682
Additional noninterest expense	$2,390,000	1,302
Pre-tax net operating income	$3,754,000	1,275
Securities gains (losses)	$-4,000	4,827
Applicable income taxes	$691,000	1,128
Income before extraordinary items	$3,059,000	1,344
Extraordinary gains, net	$0	6
Net income	$3,059,000	1,343
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,059,000	1,343
Net charge-offs	$2,000	3,018
Cash dividends	$750,000	1,560
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$3,062,280	1,332
2018-03-31 (YTD Data)		Rank
Total interest income	$5,978,000	1,196
Total interest expense	$899,000	1,054
Net interest income	$5,079,000	1,214
Provision for loan and lease losses	$351,000	613
Total noninterest income	$876,000	1,394
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$148,000	1,773
Trading account gains and fees	NA	NA
Additional Noninterest Income	$728,000	1,167
Total noninterest expense	$3,854,000	1,321
Salaries and employee benefits	$2,347,000	1,246
Premises and equipment expense	$337,000	1,692
Additional noninterest expense	$1,170,000	1,317
Pre-tax net operating income	$1,750,000	1,324
Securities gains (losses)	$0	735
Applicable income taxes	$314,000	1,187
Income before extraordinary items	$1,436,000	1,370
Extraordinary gains, net	$0	7
Net income	$1,436,000	1,370
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,436,000	1,370
Net charge-offs	$7,000	2,089
Cash dividends	$141,000	2,156
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,436,000	1,362
2017-12-31 (YTD Data)		Rank
Total interest income	$23,805,000	1,163
Total interest expense	$3,073,000	1,057
Net interest income	$20,732,000	1,173
Provision for loan and lease losses	$1,845,000	547
Total noninterest income	$6,371,000	930
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$594,000	1,789
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,777,000	745
Total noninterest expense	$16,064,000	1,243
Salaries and employee benefits	$9,905,000	1,169
Premises and equipment expense	$1,299,000	1,733
Additional noninterest expense	$4,860,000	1,275
Pre-tax net operating income	$9,194,000	1,056
Securities gains (losses)	$-165,000	5,487
Applicable income taxes	$3,173,000	918
Income before extraordinary items	$5,856,000	1,192
Extraordinary gains, net	$0	9
Net income	$5,856,000	1,192
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,856,000	1,192
Net charge-offs	$909,000	740
Cash dividends	$1,547,000	1,681
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$5,963,250	1,158
2017-09-30 (YTD Data)		Rank
Total interest income	$17,590,000	1,174
Total interest expense	$2,230,000	1,074
Net interest income	$15,360,000	1,192
Provision for loan and lease losses	$1,181,000	603
Total noninterest income	$4,731,000	957
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$450,000	1,787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,281,000	763
Total noninterest expense	$12,224,000	1,241
Salaries and employee benefits	$7,612,000	1,159
Premises and equipment expense	$990,000	1,712
Additional noninterest expense	$3,622,000	1,277
Pre-tax net operating income	$6,686,000	1,092
Securities gains (losses)	$22,000	1,272
Applicable income taxes	$2,192,000	865
Income before extraordinary items	$4,516,000	1,253
Extraordinary gains, net	$0	9
Net income	$4,516,000	1,253
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,516,000	1,253
Net charge-offs	$915,000	526
Cash dividends	$968,000	1,750
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$4,501,260	1,234
2017-06-30 (YTD Data)		Rank
Total interest income	$11,555,000	1,188
Total interest expense	$1,251,000	1,223
Net interest income	$10,304,000	1,178
Provision for loan and lease losses	$590,000	765
Total noninterest income	$2,740,000	1,067
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$306,000	1,739
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,434,000	852
Total noninterest expense	$8,075,000	1,255
Salaries and employee benefits	$4,935,000	1,185
Premises and equipment expense	$706,000	1,609
Additional noninterest expense	$2,434,000	1,266
Pre-tax net operating income	$4,379,000	1,107
Securities gains (losses)	$2,000	1,641
Applicable income taxes	$1,437,000	854
Income before extraordinary items	$2,944,000	1,260
Extraordinary gains, net	$0	11
Net income	$2,944,000	1,260
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,944,000	1,260
Net charge-offs	$-18,000	4,977
Cash dividends	$835,000	1,492
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,942,660	1,240
2017-03-31 (YTD Data)		Rank
Total interest income	$5,717,000	1,187
Total interest expense	$592,000	1,256
Net interest income	$5,125,000	1,171
Provision for loan and lease losses	$113,000	1,369
Total noninterest income	$1,413,000	1,037
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$145,000	1,807
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,268,000	808
Total noninterest expense	$3,989,000	1,280
Salaries and employee benefits	$2,451,000	1,196
Premises and equipment expense	$364,000	1,583
Additional noninterest expense	$1,174,000	1,310
Pre-tax net operating income	$2,436,000	993
Securities gains (losses)	$2,000	951
Applicable income taxes	$816,000	765
Income before extraordinary items	$1,622,000	1,156
Extraordinary gains, net	$0	8
Net income	$1,622,000	1,155
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,622,000	1,156
Net charge-offs	$-18,000	5,222
Cash dividends	$90,000	2,436
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,620,660	1,140
2016-12-31 (YTD Data)		Rank
Total interest income	$19,767,000	1,308
Total interest expense	$2,067,000	1,382
Net interest income	$17,700,000	1,306
Provision for loan and lease losses	$890,000	1,005
Total noninterest income	$7,983,000	813
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$636,000	1,729
Trading account gains and fees	$0	170
Additional Noninterest Income	$7,347,000	645
Total noninterest expense	$15,605,000	1,287
Salaries and employee benefits	$9,573,000	1,198
Premises and equipment expense	$1,434,000	1,585
Additional noninterest expense	$4,598,000	1,359
Pre-tax net operating income	$9,188,000	989
Securities gains (losses)	$9,000	2,705
Applicable income taxes	$3,063,000	767
Income before extraordinary items	$6,134,000	1,172
Extraordinary gains, net	$0	5
Net income	$6,134,000	1,171
Minority interest net income	$0	82
Net income of bank and minority interests.	$6,134,000	1,171
Net charge-offs	$44,000	3,225
Cash dividends	$1,388,000	1,793
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$6,127,970	1,143
2016-09-30 (YTD Data)		Rank
Total interest income	$15,074,000	1,303
Total interest expense	$1,486,000	1,426
Net interest income	$13,588,000	1,287
Provision for loan and lease losses	$590,000	1,033
Total noninterest income	$5,119,000	917
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$477,000	1,734
Trading account gains and fees	$0	169
Additional Noninterest Income	$4,642,000	724
Total noninterest expense	$11,532,000	1,300
Salaries and employee benefits	$7,081,000	1,210
Premises and equipment expense	$1,329,000	1,318
Additional noninterest expense	$3,122,000	1,482
Pre-tax net operating income	$6,585,000	1,035
Securities gains (losses)	$9,000	2,624
Applicable income taxes	$2,286,000	796
Income before extraordinary items	$4,308,000	1,259
Extraordinary gains, net	$0	5
Net income	$4,308,000	1,259
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,308,000	1,259
Net charge-offs	$26,000	2,997
Cash dividends	$819,000	1,859
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$4,302,150	1,220
2016-06-30 (YTD Data)		Rank
Total interest income	$9,852,000	1,330
Total interest expense	$977,000	1,443
Net interest income	$8,875,000	1,315
Provision for loan and lease losses	$382,000	1,055
Total noninterest income	$3,094,000	974
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$327,000	1,688
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,767,000	776
Total noninterest expense	$7,402,000	1,342
Salaries and employee benefits	$4,464,000	1,270
Premises and equipment expense	$844,000	1,366
Additional noninterest expense	$2,094,000	1,477
Pre-tax net operating income	$4,185,000	1,068
Securities gains (losses)	$0	2,835
Applicable income taxes	$1,429,000	819
Income before extraordinary items	$2,756,000	1,296
Extraordinary gains, net	$0	16
Net income	$2,756,000	1,296
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,756,000	1,297
Net charge-offs	$46,000	2,204
Cash dividends	$735,000	1,588
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,756,000	1,250
2016-03-31 (YTD Data)		Rank
Total interest income	$4,860,000	1,333
Total interest expense	$487,000	1,450
Net interest income	$4,373,000	1,321
Provision for loan and lease losses	$149,000	1,233
Total noninterest income	$1,291,000	1,074
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$175,000	1,591
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,116,000	866
Total noninterest expense	$3,508,000	1,402
Salaries and employee benefits	$2,154,000	1,300
Premises and equipment expense	$399,000	1,448
Additional noninterest expense	$955,000	1,587
Pre-tax net operating income	$2,007,000	1,087
Securities gains (losses)	$0	2,077
Applicable income taxes	$586,000	946
Income before extraordinary items	$1,421,000	1,233
Extraordinary gains, net	$0	12
Net income	$1,421,000	1,234
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,421,000	1,234
Net charge-offs	$100,000	1,011
Cash dividends	$70,000	2,535
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,421,000	1,200
2015-12-31 (YTD Data)		Rank
Total interest income	$18,655,000	1,350
Total interest expense	$1,800,000	1,519
Net interest income	$16,855,000	1,331
Provision for loan and lease losses	$1,141,000	726
Total noninterest income	$4,010,000	1,295
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$541,000	2,000
Trading account gains and fees	$0	159
Additional Noninterest Income	$3,469,000	1,056
Total noninterest expense	$12,975,000	1,501
Salaries and employee benefits	$7,906,000	1,376
Premises and equipment expense	$1,349,000	1,691
Additional noninterest expense	$3,720,000	1,634
Pre-tax net operating income	$6,749,000	1,238
Securities gains (losses)	$15,000	2,396
Applicable income taxes	$2,339,000	893
Income before extraordinary items	$4,425,000	1,493
Extraordinary gains, net	$0	23
Net income	$4,425,000	1,493
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,425,000	1,493
Net charge-offs	$166,000	2,166
Cash dividends	$815,000	2,354
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$4,415,250	1,470
2015-09-30 (YTD Data)		Rank
Total interest income	$13,843,000	1,371
Total interest expense	$1,310,000	1,578
Net interest income	$12,533,000	1,352
Provision for loan and lease losses	$878,000	674
Total noninterest income	$2,853,000	1,362
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$397,000	2,052
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,456,000	1,115
Total noninterest expense	$9,574,000	1,527
Salaries and employee benefits	$5,783,000	1,401
Premises and equipment expense	$1,004,000	1,718
Additional noninterest expense	$2,787,000	1,630
Pre-tax net operating income	$4,934,000	1,292
Securities gains (losses)	$13,000	2,219
Applicable income taxes	$1,746,000	926
Income before extraordinary items	$3,201,000	1,538
Extraordinary gains, net	$0	21
Net income	$3,201,000	1,539
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,201,000	1,539
Net charge-offs	$142,000	1,845
Cash dividends	$703,000	1,972
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$3,192,550	1,515
2015-06-30 (YTD Data)		Rank
Total interest income	$8,905,000	1,420
Total interest expense	$852,000	1,618
Net interest income	$8,053,000	1,397
Provision for loan and lease losses	$527,000	725
Total noninterest income	$1,598,000	1,546
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$256,000	2,068
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,342,000	1,278
Total noninterest expense	$6,310,000	1,548
Salaries and employee benefits	$3,678,000	1,462
Premises and equipment expense	$689,000	1,682
Additional noninterest expense	$1,943,000	1,576
Pre-tax net operating income	$2,814,000	1,452
Securities gains (losses)	$13,000	1,906
Applicable income taxes	$978,000	1,045
Income before extraordinary items	$1,849,000	1,723
Extraordinary gains, net	$0	22
Net income	$1,849,000	1,728
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,849,000	1,727
Net charge-offs	$-24,000	5,531
Cash dividends	$475,000	1,994
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,840,550	1,688
2015-03-31 (YTD Data)		Rank
Total interest income	$4,411,000	1,424
Total interest expense	$415,000	1,679
Net interest income	$3,996,000	1,406
Provision for loan and lease losses	$145,000	1,174
Total noninterest income	$588,000	1,904
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$124,000	2,109
Trading account gains and fees	$0	152
Additional Noninterest Income	$464,000	1,592
Total noninterest expense	$2,951,000	1,652
Salaries and employee benefits	$1,690,000	1,588
Premises and equipment expense	$361,000	1,632
Additional noninterest expense	$900,000	1,675
Pre-tax net operating income	$1,488,000	1,348
Securities gains (losses)	$10,000	1,480
Applicable income taxes	$499,000	1,012
Income before extraordinary items	$999,000	1,606
Extraordinary gains, net	$0	13
Net income	$999,000	1,607
Minority interest net income	$0	64
Net income of bank and minority interests.	$999,000	1,608
Net charge-offs	$-15,000	5,573
Cash dividends	$244,000	1,724
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$992,300	1,547
2014-12-31 (YTD Data)		Rank
Total interest income	$16,674,000	1,492
Total interest expense	$1,616,000	1,776
Net interest income	$15,058,000	1,468
Provision for loan and lease losses	$602,000	1,268
Total noninterest income	$2,764,000	1,661
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$452,000	2,444
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,312,000	1,313
Total noninterest expense	$11,160,000	1,715
Salaries and employee benefits	$6,784,000	1,543
Premises and equipment expense	$1,264,000	1,829
Additional noninterest expense	$3,112,000	1,976
Pre-tax net operating income	$6,060,000	1,300
Securities gains (losses)	$104,000	1,225
Applicable income taxes	$2,176,000	921
Income before extraordinary items	$3,988,000	1,598
Extraordinary gains, net	$0	17
Net income	$3,988,000	1,597
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,988,000	1,597
Net charge-offs	$272,000	2,122
Cash dividends	$928,000	2,124
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,920,400	1,588
2014-09-30 (YTD Data)		Rank
Total interest income	$12,339,000	1,526
Total interest expense	$1,210,000	1,803
Net interest income	$11,129,000	1,492
Provision for loan and lease losses	$518,000	1,109
Total noninterest income	$1,874,000	1,814
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$331,000	2,530
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,543,000	1,427
Total noninterest expense	$8,129,000	1,763
Salaries and employee benefits	$4,952,000	1,572
Premises and equipment expense	$915,000	1,900
Additional noninterest expense	$2,262,000	2,019
Pre-tax net operating income	$4,356,000	1,367
Securities gains (losses)	$92,000	1,054
Applicable income taxes	$1,533,000	981
Income before extraordinary items	$2,915,000	1,624
Extraordinary gains, net	$0	15
Net income	$2,915,000	1,624
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,915,000	1,624
Net charge-offs	$144,000	2,331
Cash dividends	$674,000	1,922
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,854,280	1,626
2014-06-30 (YTD Data)		Rank
Total interest income	$7,917,000	1,569
Total interest expense	$803,000	1,828
Net interest income	$7,114,000	1,551
Provision for loan and lease losses	$536,000	790
Total noninterest income	$1,026,000	2,058
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$216,000	2,543
Trading account gains and fees	$0	172
Additional Noninterest Income	$810,000	1,685
Total noninterest expense	$5,291,000	1,795
Salaries and employee benefits	$3,205,000	1,615
Premises and equipment expense	$598,000	1,953
Additional noninterest expense	$1,488,000	2,034
Pre-tax net operating income	$2,313,000	1,610
Securities gains (losses)	$102,000	773
Applicable income taxes	$810,000	1,121
Income before extraordinary items	$1,605,000	1,871
Extraordinary gains, net	$0	20
Net income	$1,605,000	1,875
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,605,000	1,874
Net charge-offs	$104,000	2,150
Cash dividends	$450,000	1,914
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,537,680	1,890
2014-03-31 (YTD Data)		Rank
Total interest income	$3,814,000	1,622
Total interest expense	$391,000	1,903
Net interest income	$3,423,000	1,598
Provision for loan and lease losses	$161,000	1,145
Total noninterest income	$359,000	2,533
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$108,000	2,513
Trading account gains and fees	$0	147
Additional Noninterest Income	$251,000	2,254
Total noninterest expense	$2,564,000	1,844
Salaries and employee benefits	$1,560,000	1,667
Premises and equipment expense	$306,000	1,947
Additional noninterest expense	$698,000	2,155
Pre-tax net operating income	$1,057,000	1,691
Securities gains (losses)	$59,000	595
Applicable income taxes	$369,000	1,150
Income before extraordinary items	$747,000	1,914
Extraordinary gains, net	$0	16
Net income	$747,000	1,917
Minority interest net income	$0	66
Net income of bank and minority interests.	$747,000	1,917
Net charge-offs	$21,000	2,457
Cash dividends	$225,000	1,671
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$707,470	1,942
2013-12-31 (YTD Data)		Rank
Total interest income	$14,370,000	1,734
Total interest expense	$1,486,000	2,184
Net interest income	$12,884,000	1,672
Provision for loan and lease losses	$169,000	3,171
Total noninterest income	$956,000	3,277
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$438,000	2,635
Trading account gains and fees	$0	184
Additional Noninterest Income	$518,000	3,306
Total noninterest expense	$7,832,000	2,387
Salaries and employee benefits	$4,689,000	2,181
Premises and equipment expense	$931,000	2,391
Additional noninterest expense	$2,212,000	2,764
Pre-tax net operating income	$5,839,000	1,262
Securities gains (losses)	$10,000	2,629
Applicable income taxes	$2,137,000	859
Income before extraordinary items	$3,712,000	1,600
Extraordinary gains, net	$0	29
Net income	$3,712,000	1,603
Minority interest net income	$0	90
Net income of bank and minority interests.	$3,712,000	1,604
Net charge-offs	$-140,000	6,581
Cash dividends	$648,000	2,465
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$3,705,600	1,562
2013-09-30 (YTD Data)		Rank
Total interest income	$10,545,000	1,781
Total interest expense	$1,094,000	2,272
Net interest income	$9,451,000	1,705
Provision for loan and lease losses	$112,000	3,255
Total noninterest income	$547,000	3,874
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$327,000	2,664
Trading account gains and fees	$0	180
Additional Noninterest Income	$220,000	4,190
Total noninterest expense	$5,760,000	2,423
Salaries and employee benefits	$3,407,000	2,236
Premises and equipment expense	$668,000	2,501
Additional noninterest expense	$1,685,000	2,718
Pre-tax net operating income	$4,126,000	1,354
Securities gains (losses)	$14,000	2,364
Applicable income taxes	$1,442,000	960
Income before extraordinary items	$2,698,000	1,672
Extraordinary gains, net	$0	25
Net income	$2,698,000	1,675
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,698,000	1,676
Net charge-offs	$-113,000	6,616
Cash dividends	$472,000	2,155
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,688,900	1,628
2013-06-30 (YTD Data)		Rank
Total interest income	$6,964,000	1,797
Total interest expense	$728,000	2,318
Net interest income	$6,236,000	1,713
Provision for loan and lease losses	$177,000	2,276
Total noninterest income	$359,000	3,890
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$213,000	2,674
Trading account gains and fees	$0	157
Additional Noninterest Income	$146,000	4,244
Total noninterest expense	$3,874,000	2,406
Salaries and employee benefits	$2,280,000	2,230
Premises and equipment expense	$444,000	2,520
Additional noninterest expense	$1,150,000	2,638
Pre-tax net operating income	$2,544,000	1,421
Securities gains (losses)	$-35,000	6,770
Applicable income taxes	$861,000	1,042
Income before extraordinary items	$1,648,000	1,770
Extraordinary gains, net	$0	22
Net income	$1,648,000	1,775
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,648,000	1,776
Net charge-offs	$-70,000	6,611
Cash dividends	$279,000	2,291
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,671,100	1,695
2013-03-31 (YTD Data)		Rank
Total interest income	$3,376,000	1,864
Total interest expense	$368,000	2,364
Net interest income	$3,008,000	1,786
Provision for loan and lease losses	$64,000	2,555
Total noninterest income	$175,000	3,885
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$92,000	2,953
Trading account gains and fees	$0	148
Additional Noninterest Income	$83,000	4,023
Total noninterest expense	$1,941,000	2,437
Salaries and employee benefits	$1,156,000	2,229
Premises and equipment expense	$210,000	2,669
Additional noninterest expense	$575,000	2,650
Pre-tax net operating income	$1,178,000	1,494
Securities gains (losses)	$-27,000	6,889
Applicable income taxes	$390,000	1,107
Income before extraordinary items	$761,000	1,873
Extraordinary gains, net	$0	10
Net income	$761,000	1,874
Minority interest net income	$0	76
Net income of bank and minority interests.	$761,000	1,875
Net charge-offs	$-59,000	6,747
Cash dividends	$139,000	1,868
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$778,820	1,753
2012-12-31 (YTD Data)		Rank
Total interest income	$13,289,000	1,978
Total interest expense	$2,082,000	2,069
Net interest income	$11,207,000	1,948
Provision for loan and lease losses	$1,020,000	1,744
Total noninterest income	$1,690,000	2,437
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$340,000	3,247
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,350,000	1,979
Total noninterest expense	$7,418,000	2,534
Salaries and employee benefits	$4,239,000	2,331
Premises and equipment expense	$863,000	2,582
Additional noninterest expense	$2,316,000	2,748
Pre-tax net operating income	$4,459,000	1,520
Securities gains (losses)	$414,000	1,086
Applicable income taxes	$1,729,000	977
Income before extraordinary items	$3,144,000	1,782
Extraordinary gains, net	$0	29
Net income	$3,144,000	1,781
Minority interest net income	$0	93
Net income of bank and minority interests.	$3,144,000	1,782
Net charge-offs	$555,000	2,516
Cash dividends	$989,000	1,979
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,874,900	1,830
2012-09-30 (YTD Data)		Rank
Total interest income	$9,816,000	2,039
Total interest expense	$1,642,000	2,060
Net interest income	$8,174,000	2,031
Provision for loan and lease losses	$877,000	1,609
Total noninterest income	$559,000	3,814
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$250,000	3,327
Trading account gains and fees	$0	157
Additional Noninterest Income	$309,000	3,649
Total noninterest expense	$5,492,000	2,576
Salaries and employee benefits	$3,040,000	2,425
Premises and equipment expense	$649,000	2,592
Additional noninterest expense	$1,803,000	2,668
Pre-tax net operating income	$2,364,000	2,071
Securities gains (losses)	$438,000	833
Applicable income taxes	$968,000	1,261
Income before extraordinary items	$1,834,000	2,270
Extraordinary gains, net	$0	20
Net income	$1,834,000	2,269
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,834,000	2,270
Net charge-offs	$577,000	2,018
Cash dividends	$585,000	1,867
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,549,300	2,453
2012-06-30 (YTD Data)		Rank
Total interest income	$6,422,000	2,090
Total interest expense	$1,122,000	2,086
Net interest income	$5,300,000	2,075
Provision for loan and lease losses	$666,000	1,463
Total noninterest income	$416,000	3,579
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$156,000	3,432
Trading account gains and fees	$0	153
Additional Noninterest Income	$260,000	3,277
Total noninterest expense	$3,496,000	2,678
Salaries and employee benefits	$2,017,000	2,438
Premises and equipment expense	$433,000	2,598
Additional noninterest expense	$1,046,000	3,004
Pre-tax net operating income	$1,554,000	2,080
Securities gains (losses)	$152,000	1,307
Applicable income taxes	$583,000	1,349
Income before extraordinary items	$1,123,000	2,392
Extraordinary gains, net	$0	19
Net income	$1,123,000	2,392
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,123,000	2,392
Net charge-offs	$353,000	2,139
Cash dividends	$391,000	1,874
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,022,680	2,446
2012-03-31 (YTD Data)		Rank
Total interest income	$3,140,000	2,147
Total interest expense	$572,000	2,114
Net interest income	$2,568,000	2,137
Provision for loan and lease losses	$101,000	2,830
Total noninterest income	$284,000	3,021
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$77,000	3,452
Trading account gains and fees	$0	148
Additional Noninterest Income	$207,000	2,601
Total noninterest expense	$1,749,000	2,681
Salaries and employee benefits	$1,000,000	2,467
Premises and equipment expense	$215,000	2,636
Additional noninterest expense	$534,000	2,934
Pre-tax net operating income	$1,002,000	1,675
Securities gains (losses)	$68,000	1,092
Applicable income taxes	$374,000	1,120
Income before extraordinary items	$696,000	2,017
Extraordinary gains, net	$0	19
Net income	$696,000	2,018
Minority interest net income	$0	78
Net income of bank and minority interests.	$696,000	2,019
Net charge-offs	$-51,000	7,072
Cash dividends	$196,000	1,631
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$651,800	2,018
2011-12-31 (YTD Data)		Rank
Total interest income	$12,389,000	2,257
Total interest expense	$2,290,000	2,496
Net interest income	$10,099,000	2,162
Provision for loan and lease losses	$427,000	3,667
Total noninterest income	$471,000	4,492
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$347,000	3,315
Trading account gains and fees	$0	146
Additional Noninterest Income	$124,000	5,087
Total noninterest expense	$6,560,000	2,823
Salaries and employee benefits	$3,857,000	2,488
Premises and equipment expense	$793,000	2,938
Additional noninterest expense	$1,910,000	3,264
Pre-tax net operating income	$3,583,000	1,563
Securities gains (losses)	$36,000	2,789
Applicable income taxes	$1,289,000	1,113
Income before extraordinary items	$2,330,000	1,983
Extraordinary gains, net	$0	29
Net income	$2,330,000	1,984
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,330,000	1,984
Net charge-offs	$372,000	3,541
Cash dividends	$565,000	2,282
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,306,960	1,916
2011-09-30 (YTD Data)		Rank
Total interest income	$9,350,000	2,266
Total interest expense	$1,777,000	2,515
Net interest income	$7,573,000	2,170
Provision for loan and lease losses	$183,000	4,252
Total noninterest income	$461,000	4,044
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$268,000	3,255
Trading account gains and fees	$0	145
Additional Noninterest Income	$193,000	4,138
Total noninterest expense	$4,902,000	2,841
Salaries and employee benefits	$2,894,000	2,483
Premises and equipment expense	$574,000	3,031
Additional noninterest expense	$1,434,000	3,269
Pre-tax net operating income	$2,949,000	1,514
Securities gains (losses)	$81,000	1,970
Applicable income taxes	$1,094,000	1,018
Income before extraordinary items	$1,936,000	1,889
Extraordinary gains, net	$0	21
Net income	$1,936,000	1,889
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,936,000	1,889
Net charge-offs	$20,000	5,533
Cash dividends	$374,000	2,123
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,884,160	1,836
2011-06-30 (YTD Data)		Rank
Total interest income	$6,256,000	2,267
Total interest expense	$1,227,000	2,512
Net interest income	$5,029,000	2,178
Provision for loan and lease losses	$183,000	3,643
Total noninterest income	$319,000	3,992
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$181,000	3,207
Trading account gains and fees	$0	153
Additional Noninterest Income	$138,000	4,088
Total noninterest expense	$3,259,000	2,870
Salaries and employee benefits	$1,866,000	2,579
Premises and equipment expense	$371,000	3,121
Additional noninterest expense	$1,022,000	3,154
Pre-tax net operating income	$1,906,000	1,519
Securities gains (losses)	$110,000	1,077
Applicable income taxes	$731,000	983
Income before extraordinary items	$1,285,000	1,843
Extraordinary gains, net	$0	15
Net income	$1,285,000	1,843
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,285,000	1,843
Net charge-offs	$-7,000	6,933
Cash dividends	$161,000	2,459
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,214,600	1,864
2011-03-31 (YTD Data)		Rank
Total interest income	$3,096,000	2,307
Total interest expense	$635,000	2,518
Net interest income	$2,461,000	2,221
Provision for loan and lease losses	$120,000	3,114
Total noninterest income	$151,000	4,142
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$94,000	3,108
Trading account gains and fees	$0	158
Additional Noninterest Income	$57,000	4,453
Total noninterest expense	$1,595,000	2,938
Salaries and employee benefits	$886,000	2,742
Premises and equipment expense	$173,000	3,329
Additional noninterest expense	$536,000	3,013
Pre-tax net operating income	$897,000	1,595
Securities gains (losses)	$-73,000	7,369
Applicable income taxes	$290,000	1,150
Income before extraordinary items	$534,000	2,135
Extraordinary gains, net	$0	9
Net income	$534,000	2,134
Minority interest net income	$0	86
Net income of bank and minority interests.	$534,000	2,135
Net charge-offs	$-5,000	6,778
Cash dividends	$67,000	2,126
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$581,450	1,915
2010-12-31 (YTD Data)		Rank
Total interest income	$11,047,000	2,719
Total interest expense	$2,528,000	2,962
Net interest income	$8,519,000	2,574
Provision for loan and lease losses	$514,000	4,081
Total noninterest income	$1,142,000	2,987
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$317,000	3,522
Trading account gains and fees	$0	175
Additional Noninterest Income	$825,000	2,450
Total noninterest expense	$5,925,000	3,144
Salaries and employee benefits	$3,502,000	2,727
Premises and equipment expense	$709,000	3,264
Additional noninterest expense	$1,714,000	3,657
Pre-tax net operating income	$3,222,000	1,520
Securities gains (losses)	$-57,000	7,170
Applicable income taxes	$1,131,000	1,120
Income before extraordinary items	$2,034,000	1,997
Extraordinary gains, net	$0	29
Net income	$2,034,000	1,997
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,034,000	1,998
Net charge-offs	$154,000	5,030
Cash dividends	$247,000	3,112
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,070,480	1,894
2010-09-30 (YTD Data)		Rank
Total interest income	$8,090,000	2,819
Total interest expense	$1,908,000	3,073
Net interest income	$6,182,000	2,682
Provision for loan and lease losses	$418,000	3,839
Total noninterest income	$803,000	3,143
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$226,000	3,699
Trading account gains and fees	$0	165
Additional Noninterest Income	$577,000	2,533
Total noninterest expense	$4,335,000	3,203
Salaries and employee benefits	$2,555,000	2,802
Premises and equipment expense	$521,000	3,356
Additional noninterest expense	$1,259,000	3,689
Pre-tax net operating income	$2,232,000	1,754
Securities gains (losses)	$22,000	2,851
Applicable income taxes	$820,000	1,177
Income before extraordinary items	$1,434,000	2,225
Extraordinary gains, net	$0	23
Net income	$1,434,000	2,226
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,434,000	2,228
Net charge-offs	$155,000	4,473
Cash dividends	$172,000	2,831
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,419,920	2,145
2010-06-30 (YTD Data)		Rank
Total interest income	$5,329,000	2,877
Total interest expense	$1,315,000	3,091
Net interest income	$4,014,000	2,744
Provision for loan and lease losses	$379,000	3,271
Total noninterest income	$519,000	3,140
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$150,000	3,692
Trading account gains and fees	$0	152
Additional Noninterest Income	$369,000	2,522
Total noninterest expense	$2,828,000	3,265
Salaries and employee benefits	$1,654,000	2,882
Premises and equipment expense	$344,000	3,432
Additional noninterest expense	$830,000	3,703
Pre-tax net operating income	$1,326,000	1,893
Securities gains (losses)	$-72,000	7,477
Applicable income taxes	$466,000	1,288
Income before extraordinary items	$788,000	2,530
Extraordinary gains, net	$0	19
Net income	$788,000	2,527
Minority interest net income	$0	105
Net income of bank and minority interests.	$788,000	2,530
Net charge-offs	$110,000	4,139
Cash dividends	$74,000	3,028
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$834,080	2,335
2010-03-31 (YTD Data)		Rank
Total interest income	$2,600,000	2,995
Total interest expense	$663,000	3,180
Net interest income	$1,937,000	2,869
Provision for loan and lease losses	$277,000	2,547
Total noninterest income	$150,000	4,283
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$71,000	3,802
Trading account gains and fees	$0	175
Additional Noninterest Income	$79,000	3,934
Total noninterest expense	$1,385,000	3,360
Salaries and employee benefits	$784,000	3,062
Premises and equipment expense	$175,000	3,459
Additional noninterest expense	$426,000	3,658
Pre-tax net operating income	$425,000	2,733
Securities gains (losses)	$-45,000	7,622
Applicable income taxes	$145,000	1,769
Income before extraordinary items	$235,000	3,600
Extraordinary gains, net	$0	16
Net income	$235,000	3,597
Minority interest net income	$0	91
Net income of bank and minority interests.	$235,000	3,599
Net charge-offs	$89,000	3,205
Cash dividends	$22,000	2,505
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$263,800	3,266
2009-12-31 (YTD Data)		Rank
Total interest income	$8,895,000	3,541
Total interest expense	$2,712,000	3,686
Net interest income	$6,183,000	3,380
Provision for loan and lease losses	$966,000	3,567
Total noninterest income	$816,000	3,725
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$249,000	4,238
Trading account gains and fees	$0	211
Additional Noninterest Income	$567,000	2,987
Total noninterest expense	$5,001,000	3,686
Salaries and employee benefits	$2,749,000	3,429
Premises and equipment expense	$591,000	3,914
Additional noninterest expense	$1,661,000	3,809
Pre-tax net operating income	$1,032,000	2,939
Securities gains (losses)	$173,000	1,669
Applicable income taxes	$348,000	1,892
Income before extraordinary items	$857,000	3,026
Extraordinary gains, net	$0	34
Net income	$857,000	3,025
Minority interest net income	$0	115
Net income of bank and minority interests.	$857,000	3,025
Net charge-offs	$716,000	3,320
Cash dividends	$158,000	3,838
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$734,170	3,222
2009-09-30 (YTD Data)		Rank
Total interest income	$6,517,000	3,646
Total interest expense	$2,106,000	3,730
Net interest income	$4,411,000	3,523
Provision for loan and lease losses	$315,000	4,517
Total noninterest income	$282,000	5,301
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$186,000	4,254
Trading account gains and fees	$0	212
Additional Noninterest Income	$96,000	5,446
Total noninterest expense	$3,479,000	3,922
Salaries and employee benefits	$1,933,000	3,644
Premises and equipment expense	$423,000	4,094
Additional noninterest expense	$1,123,000	4,058
Pre-tax net operating income	$899,000	2,927
Securities gains (losses)	$194,000	1,306
Applicable income taxes	$330,000	1,826
Income before extraordinary items	$763,000	2,956
Extraordinary gains, net	$0	27
Net income	$763,000	2,954
Minority interest net income	$0	118
Net income of bank and minority interests.	$763,000	2,957
Net charge-offs	$72,000	5,372
Cash dividends	$118,000	3,509
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$627,200	3,217
2009-06-30 (YTD Data)		Rank
Total interest income	$4,187,000	3,781
Total interest expense	$1,475,000	3,719
Net interest income	$2,712,000	3,741
Provision for loan and lease losses	$210,000	4,245
Total noninterest income	$173,000	5,477
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$122,000	4,274
Trading account gains and fees	$0	193
Additional Noninterest Income	$51,000	5,818
Total noninterest expense	$2,290,000	3,974
Salaries and employee benefits	$1,227,000	3,823
Premises and equipment expense	$274,000	4,203
Additional noninterest expense	$789,000	3,908
Pre-tax net operating income	$385,000	3,749
Securities gains (losses)	$139,000	1,246
Applicable income taxes	$130,000	2,404
Income before extraordinary items	$394,000	3,501
Extraordinary gains, net	$0	21
Net income	$394,000	3,498
Minority interest net income	$0	112
Net income of bank and minority interests.	$394,000	3,499
Net charge-offs	$33,000	5,273
Cash dividends	$57,000	3,600
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$289,750	3,917
2009-03-31 (YTD Data)		Rank
Total interest income	$2,009,000	3,934
Total interest expense	$775,000	3,694
Net interest income	$1,234,000	3,977
Provision for loan and lease losses	$115,000	3,686
Total noninterest income	$65,000	5,965
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$56,000	4,381
Trading account gains and fees	$0	171
Additional Noninterest Income	$9,000	6,953
Total noninterest expense	$1,044,000	4,183
Salaries and employee benefits	$581,000	4,010
Premises and equipment expense	$129,000	4,416
Additional noninterest expense	$334,000	4,085
Pre-tax net operating income	$140,000	4,606
Securities gains (losses)	$139,000	837
Applicable income taxes	$51,000	2,864
Income before extraordinary items	$228,000	3,641
Extraordinary gains, net	$0	15
Net income	$228,000	3,641
Minority interest net income	$0	102
Net income of bank and minority interests.	$228,000	3,642
Net charge-offs	$18,000	4,403
Cash dividends	$21,000	2,913
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$114,020	4,597
2008-12-31 (YTD Data)		Rank
Total interest income	$7,357,000	4,357
Total interest expense	$2,806,000	4,439
Net interest income	$4,551,000	4,195
Provision for loan and lease losses	$215,000	5,122
Total noninterest income	$431,000	5,142
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$199,000	4,802
Trading account gains and fees	$0	154
Additional Noninterest Income	$232,000	4,593
Total noninterest expense	$3,818,000	4,387
Salaries and employee benefits	$2,134,000	4,241
Premises and equipment expense	$527,000	4,321
Additional noninterest expense	$1,157,000	4,399
Pre-tax net operating income	$949,000	3,853
Securities gains (losses)	$48,000	1,634
Applicable income taxes	$0	4,979
Income before extraordinary items	$997,000	3,300
Extraordinary gains, net	$0	39
Net income	$997,000	3,300
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$137,000	4,594
Cash dividends	$554,000	3,226
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$949,000	3,532
2008-09-30 (YTD Data)		Rank
Total interest income	$5,335,000	4,504
Total interest expense	$2,031,000	4,661
Net interest income	$3,304,000	4,306
Provision for loan and lease losses	$111,000	5,041
Total noninterest income	$331,000	5,180
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$132,000	5,067
Trading account gains and fees	$0	148
Additional Noninterest Income	$199,000	4,427
Total noninterest expense	$2,842,000	4,392
Salaries and employee benefits	$1,591,000	4,281
Premises and equipment expense	$401,000	4,308
Additional noninterest expense	$850,000	4,385
Pre-tax net operating income	$682,000	4,389
Securities gains (losses)	$0	3,106
Applicable income taxes	$0	5,372
Income before extraordinary items	$682,000	3,869
Extraordinary gains, net	$0	31
Net income	$682,000	3,867
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	4,708
Cash dividends	$119,000	4,309
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$682,000	4,018
2008-06-30 (YTD Data)		Rank
Total interest income	$3,403,000	4,710
Total interest expense	$1,324,000	4,853
Net interest income	$2,079,000	4,477
Provision for loan and lease losses	$91,000	4,384
Total noninterest income	$259,000	4,930
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$82,000	5,200
Trading account gains and fees	$0	149
Additional Noninterest Income	$177,000	4,012
Total noninterest expense	$1,857,000	4,476
Salaries and employee benefits	$1,025,000	4,441
Premises and equipment expense	$271,000	4,290
Additional noninterest expense	$561,000	4,378
Pre-tax net operating income	$390,000	4,850
Securities gains (losses)	$0	3,233
Applicable income taxes	$0	5,627
Income before extraordinary items	$390,000	4,532
Extraordinary gains, net	$0	21
Net income	$390,000	4,532
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	3,847
Cash dividends	$79,000	4,260
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$390,000	4,470
2008-03-31 (YTD Data)		Rank
Total interest income	$1,692,000	4,822
Total interest expense	$722,000	4,805
Net interest income	$970,000	4,728
Provision for loan and lease losses	$24,000	4,755
Total noninterest income	$138,000	4,795
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$42,000	5,126
Trading account gains and fees	$0	158
Additional Noninterest Income	$96,000	3,849
Total noninterest expense	$911,000	4,534
Salaries and employee benefits	$503,000	4,531
Premises and equipment expense	$141,000	4,177
Additional noninterest expense	$267,000	4,478
Pre-tax net operating income	$173,000	5,212
Securities gains (losses)	$0	2,688
Applicable income taxes	$0	5,622
Income before extraordinary items	$173,000	4,979
Extraordinary gains, net	$0	15
Net income	$173,000	4,984
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	2,479
Cash dividends	$66,000	3,243
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$173,000	4,863
2007-12-31 (YTD Data)		Rank
Total interest income	$6,808,000	4,812
Total interest expense	$3,080,000	4,724
Net interest income	$3,728,000	4,829
Provision for loan and lease losses	$123,000	4,588
Total noninterest income	$376,000	5,621
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$146,000	5,476
Trading account gains and fees	$0	178
Additional Noninterest Income	$230,000	4,774
Total noninterest expense	$3,082,000	4,935
Salaries and employee benefits	$1,648,000	5,011
Premises and equipment expense	$497,000	4,378
Additional noninterest expense	$937,000	4,848
Pre-tax net operating income	$899,000	4,951
Securities gains (losses)	$-2,000	7,197
Applicable income taxes	$0	6,070
Income before extraordinary items	$897,000	4,554
Extraordinary gains, net	$0	39
Net income	$897,000	4,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$135,000	3,354
Cash dividends	$776,000	3,027
Sale, conversion, retirement of capital stock, net	$402,000	578
Net operating income	$899,000	4,540
2007-09-30 (YTD Data)		Rank
Total interest income	$4,989,000	4,898
Total interest expense	$2,265,000	4,787
Net interest income	$2,724,000	4,934
Provision for loan and lease losses	$-27,000	8,344
Total noninterest income	$307,000	5,484
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$106,000	5,542
Trading account gains and fees	$0	184
Additional Noninterest Income	$201,000	4,475
Total noninterest expense	$2,259,000	4,968
Salaries and employee benefits	$1,204,000	5,084
Premises and equipment expense	$364,000	4,436
Additional noninterest expense	$691,000	4,835
Pre-tax net operating income	$799,000	4,837
Securities gains (losses)	$0	1,655
Applicable income taxes	$0	6,220
Income before extraordinary items	$799,000	4,352
Extraordinary gains, net	$0	33
Net income	$799,000	4,352
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	4,499
Cash dividends	$706,000	2,453
Sale, conversion, retirement of capital stock, net	$402,000	445
Net operating income	$799,000	4,347
2007-06-30 (YTD Data)		Rank
Total interest income	$3,177,000	5,061
Total interest expense	$1,420,000	4,956
Net interest income	$1,757,000	5,074
Provision for loan and lease losses	$-103,000	8,480
Total noninterest income	$93,000	6,943
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$66,000	5,676
Trading account gains and fees	$0	168
Additional Noninterest Income	$27,000	7,090
Total noninterest expense	$1,465,000	5,086
Salaries and employee benefits	$772,000	5,246
Premises and equipment expense	$242,000	4,474
Additional noninterest expense	$451,000	4,914
Pre-tax net operating income	$488,000	5,087
Securities gains (losses)	$0	1,444
Applicable income taxes	$0	6,265
Income before extraordinary items	$488,000	4,603
Extraordinary gains, net	$0	29
Net income	$488,000	4,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	4,059
Cash dividends	$544,000	2,340
Sale, conversion, retirement of capital stock, net	$402,000	326
Net operating income	$488,000	4,597
2007-03-31 (YTD Data)		Rank
Total interest income	$1,468,000	5,334
Total interest expense	$666,000	5,113
Net interest income	$802,000	5,379
Provision for loan and lease losses	$-131,000	8,560
Total noninterest income	$-24,000	8,622
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$31,000	5,740
Trading account gains and fees	$0	195
Additional Noninterest Income	$-55,000	8,634
Total noninterest expense	$714,000	5,180
Salaries and employee benefits	$376,000	5,359
Premises and equipment expense	$121,000	4,484
Additional noninterest expense	$217,000	4,990
Pre-tax net operating income	$195,000	5,580
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$195,000	5,122
Extraordinary gains, net	$0	22
Net income	$195,000	5,122
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-19,000	8,108
Cash dividends	$427,000	1,598
Sale, conversion, retirement of capital stock, net	$402,000	189
Net operating income	$195,000	5,110
2006-12-31 (YTD Data)		Rank
Total interest income	$5,140,000	5,474
Total interest expense	$2,105,000	5,260
Net interest income	$3,035,000	5,491
Provision for loan and lease losses	$38,000	5,852
Total noninterest income	$333,000	5,977
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$119,000	5,910
Trading account gains and fees	$0	130
Additional Noninterest Income	$214,000	4,989
Total noninterest expense	$2,463,000	5,532
Salaries and employee benefits	$1,255,000	5,766
Premises and equipment expense	$478,000	4,393
Additional noninterest expense	$730,000	5,525
Pre-tax net operating income	$867,000	5,490
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$867,000	5,032
Extraordinary gains, net	$0	51
Net income	$867,000	5,035
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	7,890
Cash dividends	$103,000	5,407
Sale, conversion, retirement of capital stock, net	$256,000	711
Net operating income	$867,000	5,029
2006-09-30 (YTD Data)		Rank
Total interest income	$3,679,000	5,610
Total interest expense	$1,483,000	5,369
Net interest income	$2,196,000	5,652
Provision for loan and lease losses	$0	6,685
Total noninterest income	$223,000	6,252
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$61,000	6,491
Trading account gains and fees	$0	126
Additional Noninterest Income	$162,000	4,975
Total noninterest expense	$1,810,000	5,573
Salaries and employee benefits	$898,000	5,886
Premises and equipment expense	$359,000	4,396
Additional noninterest expense	$553,000	5,476
Pre-tax net operating income	$609,000	5,828
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$609,000	5,325
Extraordinary gains, net	$0	45
Net income	$609,000	5,328
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-28,000	8,182
Cash dividends	$103,000	4,712
Sale, conversion, retirement of capital stock, net	$256,000	552
Net operating income	$609,000	5,319
2006-06-30 (YTD Data)		Rank
Total interest income	$2,384,000	5,667
Total interest expense	$941,000	5,381
Net interest income	$1,443,000	5,716
Provision for loan and lease losses	$0	6,419
Total noninterest income	$72,000	7,475
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$35,000	6,693
Trading account gains and fees	$0	126
Additional Noninterest Income	$37,000	6,841
Total noninterest expense	$1,155,000	5,732
Salaries and employee benefits	$568,000	6,066
Premises and equipment expense	$240,000	4,385
Additional noninterest expense	$347,000	5,641
Pre-tax net operating income	$360,000	6,100
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$360,000	5,620
Extraordinary gains, net	$0	39
Net income	$360,000	5,621
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,807
Cash dividends	$103,000	4,316
Sale, conversion, retirement of capital stock, net	$256,000	404
Net operating income	$360,000	5,620
2006-03-31 (YTD Data)		Rank
Total interest income	$1,087,000	5,874
Total interest expense	$416,000	5,587
Net interest income	$671,000	5,930
Provision for loan and lease losses	$0	6,013
Total noninterest income	$21,000	8,014
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$18,000	6,650
Trading account gains and fees	$0	115
Additional Noninterest Income	$3,000	8,266
Total noninterest expense	$557,000	5,848
Salaries and employee benefits	$268,000	6,251
Premises and equipment expense	$121,000	4,385
Additional noninterest expense	$168,000	5,721
Pre-tax net operating income	$135,000	6,623
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$135,000	6,177
Extraordinary gains, net	$0	21
Net income	$135,000	6,177
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-31,000	8,328
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$256,000	229
Net operating income	$135,000	6,175
2005-12-31 (YTD Data)		Rank
Total interest income	$3,285,000	6,357
Total interest expense	$1,140,000	5,960
Net interest income	$2,145,000	6,457
Provision for loan and lease losses	$0	7,120
Total noninterest income	$67,000	8,284
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$62,000	6,895
Trading account gains and fees	$0	138
Additional Noninterest Income	$5,000	8,545
Total noninterest expense	$1,986,000	6,138
Salaries and employee benefits	$972,000	6,426
Premises and equipment expense	$471,000	4,357
Additional noninterest expense	$543,000	6,334
Pre-tax net operating income	$226,000	7,624
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$226,000	7,474
Extraordinary gains, net	$0	46
Net income	$226,000	7,476
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	8,134
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$150,000	673
Net operating income	$226,000	7,447
2005-09-30 (YTD Data)		Rank
Total interest income	$2,299,000	6,549
Total interest expense	$773,000	6,106
Net interest income	$1,526,000	6,631
Provision for loan and lease losses	$0	6,899
Total noninterest income	$47,000	8,366
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$44,000	6,989
Trading account gains and fees	$0	126
Additional Noninterest Income	$3,000	8,618
Total noninterest expense	$1,437,000	6,228
Salaries and employee benefits	$699,000	6,547
Premises and equipment expense	$338,000	4,470
Additional noninterest expense	$400,000	6,349
Pre-tax net operating income	$136,000	7,875
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$136,000	7,768
Extraordinary gains, net	$0	35
Net income	$136,000	7,769
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-38,000	8,387
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$150,000	520
Net operating income	$136,000	7,734
2005-06-30 (YTD Data)		Rank
Total interest income	$1,428,000	6,669
Total interest expense	$475,000	6,169
Net interest income	$953,000	6,780
Provision for loan and lease losses	$0	6,626
Total noninterest income	$28,000	8,417
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$27,000	7,065
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,000	8,662
Total noninterest expense	$948,000	6,256
Salaries and employee benefits	$454,000	6,625
Premises and equipment expense	$227,000	4,414
Additional noninterest expense	$267,000	6,339
Pre-tax net operating income	$33,000	8,216
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$33,000	8,211
Extraordinary gains, net	$0	30
Net income	$33,000	8,211
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,718
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$150,000	395
Net operating income	$33,000	8,177
2005-03-31 (YTD Data)		Rank
Total interest income	$690,000	6,780
Total interest expense	$229,000	6,190
Net interest income	$461,000	6,914
Provision for loan and lease losses	$0	6,226
Total noninterest income	$19,000	8,268
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$13,000	7,104
Trading account gains and fees	$0	115
Additional Noninterest Income	$6,000	8,110
Total noninterest expense	$464,000	6,347
Salaries and employee benefits	$230,000	6,621
Premises and equipment expense	$110,000	4,551
Additional noninterest expense	$124,000	6,570
Pre-tax net operating income	$16,000	8,294
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$16,000	8,279
Extraordinary gains, net	$0	24
Net income	$16,000	8,279
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,779
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$16,000	8,252
2004-12-31 (YTD Data)		Rank
Total interest income	$2,521,000	6,868
Total interest expense	$741,000	6,444
Net interest income	$1,780,000	6,927
Provision for loan and lease losses	$-53,000	8,747
Total noninterest income	$95,000	8,133
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$58,000	7,153
Trading account gains and fees	$0	138
Additional Noninterest Income	$37,000	7,758
Total noninterest expense	$1,987,000	6,027
Salaries and employee benefits	$1,019,000	6,214
Premises and equipment expense	$448,000	4,421
Additional noninterest expense	$520,000	6,427
Pre-tax net operating income	$-59,000	8,458
Securities gains (losses)	$7,000	3,010
Applicable income taxes	$0	7,185
Income before extraordinary items	$-52,000	8,495
Extraordinary gains, net	$0	34
Net income	$-52,000	8,497
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$724,000	975
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$600,000	451
Net operating income	$-59,000	8,470
2004-09-30 (YTD Data)		Rank
Total interest income	$1,850,000	6,929
Total interest expense	$529,000	6,567
Net interest income	$1,321,000	6,968
Provision for loan and lease losses	$247,000	2,597
Total noninterest income	$65,000	8,285
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$44,000	7,182
Trading account gains and fees	$0	134
Additional Noninterest Income	$21,000	8,029
Total noninterest expense	$1,512,000	5,937
Salaries and employee benefits	$782,000	6,092
Premises and equipment expense	$346,000	4,317
Additional noninterest expense	$384,000	6,436
Pre-tax net operating income	$-373,000	8,728
Securities gains (losses)	$7,000	2,893
Applicable income taxes	$0	7,220
Income before extraordinary items	$-366,000	8,761
Extraordinary gains, net	$0	26
Net income	$-366,000	8,763
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$714,000	730
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$600,000	344
Net operating income	$-373,000	8,742
2004-06-30 (YTD Data)		Rank
Total interest income	$1,158,000	7,130
Total interest expense	$352,000	6,600
Net interest income	$806,000	7,207
Provision for loan and lease losses	$210,000	2,090
Total noninterest income	$37,000	8,459
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$26,000	7,336
Trading account gains and fees	$0	130
Additional Noninterest Income	$11,000	8,227
Total noninterest expense	$1,049,000	5,858
Salaries and employee benefits	$529,000	6,098
Premises and equipment expense	$235,000	4,268
Additional noninterest expense	$285,000	6,140
Pre-tax net operating income	$-416,000	8,867
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$-416,000	8,905
Extraordinary gains, net	$0	21
Net income	$-416,000	8,906
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$692,000	560
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-416,000	8,877
2004-03-31 (YTD Data)		Rank
Total interest income	$586,000	7,145
Total interest expense	$183,000	6,574
Net interest income	$403,000	7,233
Provision for loan and lease losses	$0	6,501
Total noninterest income	$20,000	8,411
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$14,000	7,243
Trading account gains and fees	$0	121
Additional Noninterest Income	$6,000	8,203
Total noninterest expense	$500,000	6,051
Salaries and employee benefits	$262,000	6,167
Premises and equipment expense	$111,000	4,485
Additional noninterest expense	$127,000	6,499
Pre-tax net operating income	$-77,000	8,767
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$-77,000	8,802
Extraordinary gains, net	$0	16
Net income	$-77,000	8,803
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$144,000	1,004
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-77,000	8,770
2003-12-31 (YTD Data)		Rank
Total interest income	$2,600,000	6,936
Total interest expense	$935,000	6,299
Net interest income	$1,665,000	7,118
Provision for loan and lease losses	$28,000	6,851
Total noninterest income	$57,000	8,734
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$58,000	7,304
Trading account gains and fees	$0	160
Additional Noninterest Income	$-1,000	9,112
Total noninterest expense	$2,113,000	5,804
Salaries and employee benefits	$956,000	6,420
Premises and equipment expense	$459,000	4,325
Additional noninterest expense	$698,000	5,512
Pre-tax net operating income	$-419,000	8,787
Securities gains (losses)	$25,000	3,074
Applicable income taxes	$0	7,459
Income before extraordinary items	$-394,000	8,863
Extraordinary gains, net	$0	54
Net income	$-394,000	8,863
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$280,000	2,345
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$600,000	471
Net operating income	$-419,000	8,807
2003-09-30 (YTD Data)		Rank
Total interest income	$1,964,000	6,997
Total interest expense	$741,000	6,300
Net interest income	$1,223,000	7,215
Provision for loan and lease losses	$28,000	6,466
Total noninterest income	$46,000	8,761
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$42,000	7,400
Trading account gains and fees	$0	153
Additional Noninterest Income	$4,000	8,966
Total noninterest expense	$1,587,000	5,791
Salaries and employee benefits	$709,000	6,424
Premises and equipment expense	$342,000	4,327
Additional noninterest expense	$536,000	5,410
Pre-tax net operating income	$-346,000	8,895
Securities gains (losses)	$25,000	2,828
Applicable income taxes	$0	7,524
Income before extraordinary items	$-321,000	8,963
Extraordinary gains, net	$0	40
Net income	$-321,000	8,964
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$253,000	1,912
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-346,000	8,910
2003-06-30 (YTD Data)		Rank
Total interest income	$1,323,000	7,014
Total interest expense	$508,000	6,342
Net interest income	$815,000	7,233
Provision for loan and lease losses	$28,000	6,019
Total noninterest income	$49,000	8,391
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$29,000	7,375
Trading account gains and fees	$0	150
Additional Noninterest Income	$20,000	7,844
Total noninterest expense	$1,101,000	5,648
Salaries and employee benefits	$455,000	6,577
Premises and equipment expense	$239,000	4,194
Additional noninterest expense	$407,000	4,940
Pre-tax net operating income	$-265,000	8,966
Securities gains (losses)	$10,000	2,948
Applicable income taxes	$0	7,529
Income before extraordinary items	$-255,000	9,042
Extraordinary gains, net	$0	30
Net income	$-255,000	9,041
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$216,000	1,572
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-265,000	8,977
2003-03-31 (YTD Data)		Rank
Total interest income	$674,000	7,001
Total interest expense	$259,000	6,386
Net interest income	$415,000	7,192
Provision for loan and lease losses	$28,000	4,838
Total noninterest income	$23,000	8,464
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$15,000	7,293
Trading account gains and fees	$0	134
Additional Noninterest Income	$8,000	8,105
Total noninterest expense	$549,000	5,641
Salaries and employee benefits	$204,000	6,922
Premises and equipment expense	$118,000	4,220
Additional noninterest expense	$227,000	4,542
Pre-tax net operating income	$-139,000	9,020
Securities gains (losses)	$9,000	2,215
Applicable income taxes	$0	7,403
Income before extraordinary items	$-130,000	9,078
Extraordinary gains, net	$0	21
Net income	$-130,000	9,075
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,000	1,402
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-139,000	9,020
2002-12-31 (YTD Data)		Rank
Total interest income	$3,059,000	6,791
Total interest expense	$1,313,000	6,140
Net interest income	$1,746,000	7,048
Provision for loan and lease losses	$1,086,000	1,251
Total noninterest income	$140,000	7,936
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$68,000	7,172
Trading account gains and fees	$0	153
Additional Noninterest Income	$72,000	7,036
Total noninterest expense	$1,753,000	6,348
Salaries and employee benefits	$750,000	7,076
Premises and equipment expense	$426,000	4,429
Additional noninterest expense	$577,000	6,074
Pre-tax net operating income	$-953,000	9,110
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$-953,000	9,166
Extraordinary gains, net	$0	70
Net income	$-953,000	9,164
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$743,000	1,223
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$2,800,000	241
Net operating income	$-953,000	9,136
2001-12-31 (YTD Data)		Rank
Total interest income	$3,711,000	6,582
Total interest expense	$2,046,000	6,026
Net interest income	$1,665,000	7,034
Provision for loan and lease losses	$1,372,000	973
Total noninterest income	$145,000	7,913
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$54,000	7,519
Trading account gains and fees	$0	177
Additional Noninterest Income	$91,000	6,630
Total noninterest expense	$1,766,000	6,207
Salaries and employee benefits	$784,000	6,858
Premises and equipment expense	$418,000	4,465
Additional noninterest expense	$564,000	6,067
Pre-tax net operating income	$-1,328,000	9,432
Securities gains (losses)	$51,000	2,322
Applicable income taxes	$0	7,903
Income before extraordinary items	$-1,277,000	9,465
Extraordinary gains, net	$0	105
Net income	$-1,277,000	9,465
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$353,000	2,000
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-1,328,000	9,441
2000-12-31 (YTD Data)		Rank
Total interest income	$3,158,000	7,247
Total interest expense	$1,758,000	6,685
Net interest income	$1,400,000	7,642
Provision for loan and lease losses	$43,000	6,774
Total noninterest income	$226,000	7,015
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$16,000	8,326
Trading account gains and fees	NA	NA
Additional Noninterest Income	$210,000	4,684
Total noninterest expense	$1,566,000	6,571
Salaries and employee benefits	$742,000	7,006
Premises and equipment expense	$277,000	5,678
Additional noninterest expense	$547,000	6,088
Pre-tax net operating income	$17,000	9,060
Securities gains (losses)	$0	1,956
Applicable income taxes	$160,000	5,801
Income before extraordinary items	$-143,000	9,313
Extraordinary gains, net	$0	38
Net income	$-143,000	9,312
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$153,000	2,831
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-143,000	9,310
1999-12-31 (YTD Data)		Rank
Total interest income	$2,202,000	8,259
Total interest expense	$1,120,000	7,862
Net interest income	$1,082,000	8,445
Provision for loan and lease losses	$0	8,503
Total noninterest income	$51,000	9,576
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	8,885
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	8,031
Total noninterest expense	$1,026,000	8,041
Salaries and employee benefits	$525,000	8,189
Premises and equipment expense	$146,000	7,736
Additional noninterest expense	$356,000	7,649
Pre-tax net operating income	$106,000	9,046
Securities gains (losses)	$0	3,155
Applicable income taxes	$37,000	7,868
Income before extraordinary items	$69,000	9,146
Extraordinary gains, net	$0	35
Net income	$69,000	9,144
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	4,603
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$69,000	9,116
1998-12-31 (YTD Data)		Rank
Total interest income	$2,107,000	8,549
Total interest expense	$1,094,000	8,167
Net interest income	$1,013,000	8,764
Provision for loan and lease losses	$-3,000	10,189
Total noninterest income	$82,000	9,319
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	9,085
Trading account gains and fees	NA	NA
Additional Noninterest Income	$82,000	7,117
Total noninterest expense	$670,000	9,195
Salaries and employee benefits	$347,000	9,310
Premises and equipment expense	$120,000	8,264
Additional noninterest expense	$203,000	9,083
Pre-tax net operating income	$428,000	7,721
Securities gains (losses)	$0	4,449
Applicable income taxes	$175,000	6,496
Income before extraordinary items	$253,000	8,233
Extraordinary gains, net	$0	32
Net income	$253,000	8,232
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	4,414
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$253,000	8,158
1997-12-31 (YTD Data)		Rank
Total interest income	$2,115,000	8,869
Total interest expense	$1,084,000	8,449
Net interest income	$1,031,000	9,113
Provision for loan and lease losses	$241,000	3,012
Total noninterest income	$22,000	10,670
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	9,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$22,000	9,735
Total noninterest expense	$498,000	10,144
Salaries and employee benefits	$311,000	9,877
Premises and equipment expense	$75,000	9,576
Additional noninterest expense	$112,000	10,427
Pre-tax net operating income	$314,000	8,920
Securities gains (losses)	$0	3,944
Applicable income taxes	$128,000	7,946
Income before extraordinary items	$186,000	9,282
Extraordinary gains, net	$0	44
Net income	$186,000	9,285
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$196,000	2,581
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$186,000	9,239
1996-12-31 (YTD Data)		Rank
Total interest income	$1,601,000	9,974
Total interest expense	$966,000	9,136
Net interest income	$635,000	10,562
Provision for loan and lease losses	$156,000	3,974
Total noninterest income	$0	11,410
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	9,915
Trading account gains and fees	NA	NA
Additional Noninterest Income	$0	11,390
Total noninterest expense	$451,000	10,791
Salaries and employee benefits	$269,000	10,587
Premises and equipment expense	$78,000	9,872
Additional noninterest expense	$104,000	11,053
Pre-tax net operating income	$28,000	10,687
Securities gains (losses)	$0	4,148
Applicable income taxes	$41,000	9,843
Income before extraordinary items	$-13,000	10,851
Extraordinary gains, net	$0	53
Net income	$-13,000	10,847
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$91,000	4,119
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$1,000,000	374
Net operating income	$-13,000	10,806
1995-12-31 (YTD Data)		Rank
Total interest income	$1,717,000	10,150
Total interest expense	$892,000	9,646
Net interest income	$825,000	10,462
Provision for loan and lease losses	$103,000	4,535
Total noninterest income	$58,000	11,205
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	10,339
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	8,849
Total noninterest expense	$522,000	10,930
Salaries and employee benefits	$286,000	10,878
Premises and equipment expense	$98,000	9,671
Additional noninterest expense	$138,000	11,204
Pre-tax net operating income	$258,000	10,057
Securities gains (losses)	$0	3,831
Applicable income taxes	$99,000	9,204
Income before extraordinary items	$159,000	10,379
Extraordinary gains, net	$0	65
Net income	$159,000	10,382
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$222,000	2,336
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$159,000	10,353
1994-12-31 (YTD Data)		Rank
Total interest income	$1,343,000	11,054
Total interest expense	$665,000	10,283
Net interest income	$678,000	11,463
Provision for loan and lease losses	$60,000	5,594
Total noninterest income	$43,000	12,073
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	10,872
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	9,980
Total noninterest expense	$660,000	10,864
Salaries and employee benefits	$313,000	11,084
Premises and equipment expense	$84,000	10,524
Additional noninterest expense	$263,000	10,368
Pre-tax net operating income	$1,000	12,058
Securities gains (losses)	$0	3,600
Applicable income taxes	$4,000	11,509
Income before extraordinary items	$-3,000	12,044
Extraordinary gains, net	$0	249
Net income	$-3,000	12,044
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$-3,000	12,068
1993-12-31 (YTD Data)		Rank
Total interest income	$1,304,000	11,676
Total interest expense	$722,000	10,458
Net interest income	$582,000	12,286
Provision for loan and lease losses	$-158,000	12,996
Total noninterest income	$29,000	12,948
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,000	11,331
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	11,437
Total noninterest expense	$679,000	11,264
Salaries and employee benefits	$345,000	11,200
Premises and equipment expense	$103,000	10,359
Additional noninterest expense	$231,000	11,304
Pre-tax net operating income	$90,000	11,926
Securities gains (losses)	$0	7,477
Applicable income taxes	$24,000	11,523
Income before extraordinary items	$66,000	12,126
Extraordinary gains, net	$0	3,149
Net income	$66,000	12,155
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	8,555
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$66,000	11,975
1992-12-31 (YTD Data)		Rank
Total interest income	$1,441,000	12,101
Total interest expense	$777,000	11,434
Net interest income	$664,000	12,464
Provision for loan and lease losses	$207,000	5,126
Total noninterest income	$132,000	10,879
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,000	11,741
Trading account gains and fees	NA	NA
Additional Noninterest Income	$131,000	7,138
Total noninterest expense	$847,000	10,764
Salaries and employee benefits	$348,000	11,460
Premises and equipment expense	$71,000	11,832
Additional noninterest expense	$428,000	9,222
Pre-tax net operating income	$-258,000	13,144
Securities gains (losses)	$0	8,369
Applicable income taxes	$-80,000	13,556
Income before extraordinary items	$-178,000	13,152
Extraordinary gains, net	$0	1,422
Net income	$-178,000	13,145
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$137,000	5,121
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-178,000	13,026

* 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.