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Gibsland Bank & Trust Company, Income and Expense

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2024-03-31 (YTD Data)		Rank
Total interest income	$6,932,000	1,607
Total interest expense	$2,028,000	1,848
Net interest income	$4,904,000	1,470
Provision for loan and lease losses	$0	2,578
Total noninterest income	$1,244,000	1,165
Gross Fiduciary activities income	$0	895
Service charges on deposit accounts	$392,000	696
Trading account gains and fees	NA	NA
Additional Noninterest Income	$852,000	1,094
Total noninterest expense	$4,270,000	1,401
Salaries and employee benefits	$1,906,000	1,695
Premises and equipment expense	$627,000	1,032
Additional noninterest expense	$852,000	1,094
Pre-tax net operating income	$1,878,000	1,358
Securities gains (losses)	$0	689
Applicable income taxes	$325,000	1,200
Income before extraordinary items	$1,553,000	1,390
Extraordinary gains, net	$0	51
Net income	$1,553,000	1,404
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,553,000	1,389
Net charge-offs	$994,000	263
Cash dividends	$0	2,345
Sale, conversion, retirement of capital stock, net	$0	434
Net operating income	$1,553,000	1,398
2023-12-31 (YTD Data)		Rank
Total interest income	$23,730,000	1,675
Total interest expense	$5,256,000	1,959
Net interest income	$18,474,000	1,537
Provision for loan and lease losses	$1,350,000	698
Total noninterest income	$8,229,000	856
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,476,000	742
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,753,000	723
Total noninterest expense	$16,899,000	1,383
Salaries and employee benefits	$7,686,000	1,656
Premises and equipment expense	$2,620,000	968
Additional noninterest expense	$6,753,000	723
Pre-tax net operating income	$8,454,000	1,338
Securities gains (losses)	$-424,000	4,152
Applicable income taxes	$1,271,000	1,280
Income before extraordinary items	$6,759,000	1,380
Extraordinary gains, net	$0	54
Net income	$6,759,000	1,396
Minority interest net income	$0	88
Net income of bank and minority interests.	$6,759,000	1,383
Net charge-offs	$1,063,000	514
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$7,115,160	1,343
2023-09-30 (YTD Data)		Rank
Total interest income	$17,353,000	1,673
Total interest expense	$3,510,000	1,975
Net interest income	$13,843,000	1,549
Provision for loan and lease losses	$1,350,000	553
Total noninterest income	$7,480,000	739
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$1,107,000	741
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,373,000	622
Total noninterest expense	$13,786,000	1,285
Salaries and employee benefits	$5,931,000	1,617
Premises and equipment expense	$1,765,000	1,053
Additional noninterest expense	$6,373,000	622
Pre-tax net operating income	$6,187,000	1,418
Securities gains (losses)	$-502,000	4,378
Applicable income taxes	$865,000	1,383
Income before extraordinary items	$4,820,000	1,492
Extraordinary gains, net	$0	52
Net income	$4,820,000	1,504
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,820,000	1,492
Net charge-offs	$2,742,000	248
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$5,246,700	1,410
2023-06-30 (YTD Data)		Rank
Total interest income	$11,229,000	1,682
Total interest expense	$2,067,000	1,982
Net interest income	$9,162,000	1,573
Provision for loan and lease losses	$400,000	882
Total noninterest income	$1,375,000	1,638
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$697,000	759
Trading account gains and fees	NA	NA
Additional Noninterest Income	$678,000	1,899
Total noninterest expense	$7,081,000	1,571
Salaries and employee benefits	$3,420,000	1,796
Premises and equipment expense	$1,153,000	1,065
Additional noninterest expense	$678,000	1,896
Pre-tax net operating income	$3,056,000	1,741
Securities gains (losses)	$0	938
Applicable income taxes	$385,000	1,674
Income before extraordinary items	$2,671,000	1,711
Extraordinary gains, net	$0	51
Net income	$2,671,000	1,731
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,671,000	1,711
Net charge-offs	$1,841,000	231
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,671,000	1,719
2023-03-31 (YTD Data)		Rank
Total interest income	$5,463,000	1,698
Total interest expense	$910,000	1,946
Net interest income	$4,553,000	1,591
Provision for loan and lease losses	$0	2,612
Total noninterest income	$685,000	1,638
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$365,000	750
Trading account gains and fees	NA	NA
Additional Noninterest Income	$320,000	1,939
Total noninterest expense	$3,608,000	1,566
Salaries and employee benefits	$1,591,000	1,913
Premises and equipment expense	$621,000	1,034
Additional noninterest expense	$320,000	1,939
Pre-tax net operating income	$1,630,000	1,689
Securities gains (losses)	$0	950
Applicable income taxes	$0	3,388
Income before extraordinary items	$1,630,000	1,513
Extraordinary gains, net	$0	4
Net income	$1,630,000	1,513
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,630,000	1,513
Net charge-offs	$-21,000	4,245
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,630,000	1,527
2022-12-31 (YTD Data)		Rank
Total interest income	$18,039,000	1,697
Total interest expense	$1,108,000	2,275
Net interest income	$16,931,000	1,640
Provision for loan and lease losses	$0	3,012
Total noninterest income	$1,803,000	2,146
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$1,409,000	781
Trading account gains and fees	NA	NA
Additional Noninterest Income	$394,000	3,269
Total noninterest expense	$14,101,000	1,564
Salaries and employee benefits	$6,575,000	1,826
Premises and equipment expense	$2,317,000	1,065
Additional noninterest expense	$394,000	3,269
Pre-tax net operating income	$4,633,000	2,121
Securities gains (losses)	$0	691
Applicable income taxes	$0	3,596
Income before extraordinary items	$4,633,000	1,917
Extraordinary gains, net	$0	5
Net income	$4,633,000	1,916
Minority interest net income	$0	63
Net income of bank and minority interests.	$4,633,000	1,916
Net charge-offs	$6,627,000	121
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$4,633,000	1,952
2022-09-30 (YTD Data)		Rank
Total interest income	$12,868,000	1,709
Total interest expense	$745,000	2,129
Net interest income	$12,123,000	1,676
Provision for loan and lease losses	$0	2,835
Total noninterest income	$1,840,000	1,846
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$1,052,000	790
Trading account gains and fees	NA	NA
Additional Noninterest Income	$788,000	2,321
Total noninterest expense	$9,834,000	1,644
Salaries and employee benefits	$4,417,000	1,976
Premises and equipment expense	$1,664,000	1,097
Additional noninterest expense	$788,000	2,321
Pre-tax net operating income	$4,129,000	1,895
Securities gains (losses)	$0	740
Applicable income taxes	$703,000	1,602
Income before extraordinary items	$3,426,000	1,919
Extraordinary gains, net	$0	4
Net income	$3,426,000	1,918
Minority interest net income	$0	57
Net income of bank and minority interests.	$3,426,000	1,918
Net charge-offs	$6,950,000	94
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$3,426,000	1,955
2022-06-30 (YTD Data)		Rank
Total interest income	$8,189,000	1,728
Total interest expense	$477,000	2,019
Net interest income	$7,712,000	1,706
Provision for loan and lease losses	$0	2,599
Total noninterest income	$751,000	2,361
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$690,000	794
Trading account gains and fees	NA	NA
Additional Noninterest Income	$61,000	4,116
Total noninterest expense	$5,800,000	1,807
Salaries and employee benefits	$2,751,000	2,051
Premises and equipment expense	$1,055,000	1,136
Additional noninterest expense	$1,994,000	1,604
Pre-tax net operating income	$2,663,000	1,871
Securities gains (losses)	$0	687
Applicable income taxes	$494,000	1,490
Income before extraordinary items	$2,169,000	1,900
Extraordinary gains, net	$0	4
Net income	$2,169,000	1,900
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,169,000	1,900
Net charge-offs	$5,547,000	83
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$2,169,000	1,939
2022-03-31 (YTD Data)		Rank
Total interest income	$3,850,000	1,774
Total interest expense	$242,000	1,958
Net interest income	$3,608,000	1,751
Provision for loan and lease losses	$0	2,285
Total noninterest income	$304,000	2,574
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$343,000	792
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-39,000	4,776
Total noninterest expense	$3,151,000	1,678
Salaries and employee benefits	$1,371,000	2,049
Premises and equipment expense	$514,000	1,180
Additional noninterest expense	$1,266,000	1,321
Pre-tax net operating income	$761,000	2,457
Securities gains (losses)	$0	623
Applicable income taxes	$120,000	1,959
Income before extraordinary items	$641,000	2,467
Extraordinary gains, net	$0	4
Net income	$641,000	2,464
Minority interest net income	$0	50
Net income of bank and minority interests.	$641,000	2,467
Net charge-offs	$1,987,000	115
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$641,000	2,487
2021-12-31 (YTD Data)		Rank
Total interest income	$17,764,000	1,627
Total interest expense	$1,687,000	1,522
Net interest income	$16,077,000	1,636
Provision for loan and lease losses	$5,295,000	103
Total noninterest income	$4,509,000	1,403
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$1,347,000	762
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,162,000	1,437
Total noninterest expense	$12,726,000	1,671
Salaries and employee benefits	$5,748,000	1,991
Premises and equipment expense	$1,874,000	1,283
Additional noninterest expense	$5,104,000	1,305
Pre-tax net operating income	$2,565,000	2,870
Securities gains (losses)	$0	2,062
Applicable income taxes	$422,000	2,208
Income before extraordinary items	$2,143,000	2,934
Extraordinary gains, net	$0	10
Net income	$2,143,000	2,934
Minority interest net income	$0	74
Net income of bank and minority interests.	$2,143,000	2,934
Net charge-offs	$5,292,000	166
Cash dividends	$270,000	3,162
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$2,143,000	2,913
2021-09-30 (YTD Data)		Rank
Total interest income	$13,627,000	1,636
Total interest expense	$1,340,000	1,530
Net interest income	$12,287,000	1,637
Provision for loan and lease losses	$3,780,000	101
Total noninterest income	$3,966,000	1,299
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$984,000	775
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,982,000	1,293
Total noninterest expense	$8,987,000	1,745
Salaries and employee benefits	$3,952,000	2,115
Premises and equipment expense	$1,411,000	1,290
Additional noninterest expense	$3,624,000	1,374
Pre-tax net operating income	$3,486,000	2,234
Securities gains (losses)	$0	2,015
Applicable income taxes	$194,000	2,593
Income before extraordinary items	$3,292,000	2,127
Extraordinary gains, net	$0	8
Net income	$3,292,000	2,128
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,292,000	2,128
Net charge-offs	$3,237,000	186
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$3,292,000	2,099
2021-06-30 (YTD Data)		Rank
Total interest income	$9,670,000	1,545
Total interest expense	$920,000	1,558
Net interest income	$8,750,000	1,533
Provision for loan and lease losses	$3,180,000	82
Total noninterest income	$1,485,000	1,813
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$647,000	756
Trading account gains and fees	NA	NA
Additional Noninterest Income	$838,000	2,112
Total noninterest expense	$5,833,000	1,766
Salaries and employee benefits	$2,468,000	2,192
Premises and equipment expense	$926,000	1,307
Additional noninterest expense	$2,439,000	1,346
Pre-tax net operating income	$1,222,000	3,028
Securities gains (losses)	$0	1,818
Applicable income taxes	$194,000	2,319
Income before extraordinary items	$1,028,000	3,103
Extraordinary gains, net	$0	6
Net income	$1,028,000	3,101
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,028,000	3,103
Net charge-offs	$1,344,000	230
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,028,000	3,075
2021-03-31 (YTD Data)		Rank
Total interest income	$5,065,000	1,492
Total interest expense	$483,000	1,560
Net interest income	$4,582,000	1,468
Provision for loan and lease losses	$1,590,000	111
Total noninterest income	$746,000	1,808
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$347,000	690
Trading account gains and fees	NA	NA
Additional Noninterest Income	$399,000	2,156
Total noninterest expense	$2,789,000	1,808
Salaries and employee benefits	$1,245,000	2,168
Premises and equipment expense	$436,000	1,398
Additional noninterest expense	$1,108,000	1,409
Pre-tax net operating income	$949,000	2,439
Securities gains (losses)	$0	1,392
Applicable income taxes	$165,000	1,943
Income before extraordinary items	$784,000	2,540
Extraordinary gains, net	$0	3
Net income	$784,000	2,538
Minority interest net income	$0	55
Net income of bank and minority interests.	$784,000	2,540
Net charge-offs	$382,000	302
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$784,000	2,510
2020-12-31 (YTD Data)		Rank
Total interest income	$21,454,000	1,396
Total interest expense	$3,524,000	1,302
Net interest income	$17,930,000	1,419
Provision for loan and lease losses	$5,130,000	561
Total noninterest income	$1,789,000	2,241
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$1,348,000	744
Trading account gains and fees	NA	NA
Additional Noninterest Income	$441,000	3,276
Total noninterest expense	$12,887,000	1,603
Salaries and employee benefits	$6,274,000	1,840
Premises and equipment expense	$1,792,000	1,310
Additional noninterest expense	$4,821,000	1,323
Pre-tax net operating income	$1,702,000	3,130
Securities gains (losses)	$0	2,675
Applicable income taxes	$281,000	2,348
Income before extraordinary items	$1,421,000	3,246
Extraordinary gains, net	$0	4
Net income	$1,421,000	3,245
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,421,000	3,246
Net charge-offs	$5,033,000	221
Cash dividends	$270,000	3,239
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$1,421,000	3,183
2020-09-30 (YTD Data)		Rank
Total interest income	$16,789,000	1,358
Total interest expense	$2,905,000	1,270
Net interest income	$13,884,000	1,373
Provision for loan and lease losses	$4,210,000	564
Total noninterest income	$2,234,000	1,678
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$991,000	750
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,243,000	1,932
Total noninterest expense	$9,744,000	1,567
Salaries and employee benefits	$4,763,000	1,788
Premises and equipment expense	$1,344,000	1,307
Additional noninterest expense	$3,637,000	1,296
Pre-tax net operating income	$2,164,000	2,469
Securities gains (losses)	$0	2,494
Applicable income taxes	$389,000	1,891
Income before extraordinary items	$1,775,000	2,613
Extraordinary gains, net	$0	4
Net income	$1,775,000	2,613
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,775,000	2,613
Net charge-offs	$3,196,000	232
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,775,000	2,570
2020-06-30 (YTD Data)		Rank
Total interest income	$11,740,000	1,313
Total interest expense	$2,161,000	1,233
Net interest income	$9,579,000	1,326
Provision for loan and lease losses	$2,470,000	633
Total noninterest income	$1,516,000	1,615
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$672,000	747
Trading account gains and fees	NA	NA
Additional Noninterest Income	$844,000	1,842
Total noninterest expense	$6,601,000	1,536
Salaries and employee benefits	$3,212,000	1,781
Premises and equipment expense	$903,000	1,290
Additional noninterest expense	$2,486,000	1,253
Pre-tax net operating income	$2,024,000	1,988
Securities gains (losses)	$0	2,249
Applicable income taxes	$389,000	1,552
Income before extraordinary items	$1,635,000	2,114
Extraordinary gains, net	$0	4
Net income	$1,635,000	2,114
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,635,000	2,114
Net charge-offs	$511,000	584
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,635,000	2,071
2020-03-31 (YTD Data)		Rank
Total interest income	$5,507,000	1,392
Total interest expense	$1,190,000	1,244
Net interest income	$4,317,000	1,421
Provision for loan and lease losses	$880,000	664
Total noninterest income	$769,000	1,499
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$366,000	799
Trading account gains and fees	NA	NA
Additional Noninterest Income	$403,000	1,724
Total noninterest expense	$3,445,000	1,493
Salaries and employee benefits	$1,716,000	1,700
Premises and equipment expense	$432,000	1,347
Additional noninterest expense	$1,297,000	1,228
Pre-tax net operating income	$761,000	2,225
Securities gains (losses)	$0	1,705
Applicable income taxes	$153,000	1,616
Income before extraordinary items	$608,000	2,385
Extraordinary gains, net	$0	4
Net income	$608,000	2,384
Minority interest net income	$0	56
Net income of bank and minority interests.	$608,000	2,385
Net charge-offs	$298,000	496
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$608,000	2,353
2019-12-31 (YTD Data)		Rank
Total interest income	$22,400,000	1,384
Total interest expense	$4,900,000	1,263
Net interest income	$17,500,000	1,398
Provision for loan and lease losses	$3,945,000	306
Total noninterest income	$2,898,000	1,603
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,338,000	892
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,560,000	1,758
Total noninterest expense	$13,279,000	1,506
Salaries and employee benefits	$6,602,000	1,710
Premises and equipment expense	$1,638,000	1,396
Additional noninterest expense	$5,039,000	1,234
Pre-tax net operating income	$3,174,000	2,373
Securities gains (losses)	$4,000	2,137
Applicable income taxes	$570,000	1,882
Income before extraordinary items	$2,608,000	2,517
Extraordinary gains, net	$0	11
Net income	$2,608,000	2,518
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,608,000	2,519
Net charge-offs	$3,965,000	249
Cash dividends	$270,000	3,402
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,604,720	2,488
2019-09-30 (YTD Data)		Rank
Total interest income	$16,687,000	1,398
Total interest expense	$3,646,000	1,277
Net interest income	$13,041,000	1,416
Provision for loan and lease losses	$2,910,000	308
Total noninterest income	$2,098,000	1,630
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$951,000	925
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,147,000	1,773
Total noninterest expense	$9,558,000	1,563
Salaries and employee benefits	$4,702,000	1,789
Premises and equipment expense	$1,249,000	1,381
Additional noninterest expense	$3,607,000	1,295
Pre-tax net operating income	$2,671,000	2,267
Securities gains (losses)	$4,000	1,882
Applicable income taxes	$445,000	1,908
Income before extraordinary items	$2,230,000	2,361
Extraordinary gains, net	$0	11
Net income	$2,230,000	2,362
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,230,000	2,362
Net charge-offs	$1,797,000	334
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,226,680	2,332
2019-06-30 (YTD Data)		Rank
Total interest income	$10,908,000	1,417
Total interest expense	$2,327,000	1,310
Net interest income	$8,581,000	1,438
Provision for loan and lease losses	$2,160,000	275
Total noninterest income	$1,275,000	1,694
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$574,000	998
Trading account gains and fees	NA	NA
Additional Noninterest Income	$701,000	1,837
Total noninterest expense	$6,178,000	1,610
Salaries and employee benefits	$2,979,000	1,861
Premises and equipment expense	$817,000	1,410
Additional noninterest expense	$2,382,000	1,317
Pre-tax net operating income	$1,518,000	2,484
Securities gains (losses)	$4,000	1,415
Applicable income taxes	$247,000	2,037
Income before extraordinary items	$1,275,000	2,565
Extraordinary gains, net	$0	11
Net income	$1,275,000	2,564
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,275,000	2,564
Net charge-offs	$1,399,000	286
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,271,640	2,539
2019-03-31 (YTD Data)		Rank
Total interest income	$5,414,000	1,426
Total interest expense	$1,108,000	1,320
Net interest income	$4,306,000	1,422
Provision for loan and lease losses	$1,080,000	266
Total noninterest income	$543,000	1,845
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$254,000	1,114
Trading account gains and fees	NA	NA
Additional Noninterest Income	$289,000	2,003
Total noninterest expense	$2,949,000	1,691
Salaries and employee benefits	$1,403,000	1,965
Premises and equipment expense	$381,000	1,523
Additional noninterest expense	$1,165,000	1,326
Pre-tax net operating income	$820,000	2,336
Securities gains (losses)	$44,000	411
Applicable income taxes	$143,000	1,874
Income before extraordinary items	$721,000	2,324
Extraordinary gains, net	$0	5
Net income	$721,000	2,323
Minority interest net income	$0	52
Net income of bank and minority interests.	$721,000	2,323
Net charge-offs	$1,243,000	191
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$684,480	2,381
2018-12-31 (YTD Data)		Rank
Total interest income	$20,958,000	1,379
Total interest expense	$3,997,000	1,131
Net interest income	$16,961,000	1,428
Provision for loan and lease losses	$3,815,000	315
Total noninterest income	$2,303,000	1,842
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$949,000	1,207
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,354,000	1,905
Total noninterest expense	$12,218,000	1,587
Salaries and employee benefits	$6,101,000	1,778
Premises and equipment expense	$1,639,000	1,375
Additional noninterest expense	$4,478,000	1,366
Pre-tax net operating income	$3,231,000	2,395
Securities gains (losses)	$2,000	956
Applicable income taxes	$644,000	1,762
Income before extraordinary items	$2,589,000	2,542
Extraordinary gains, net	$0	6
Net income	$2,589,000	2,541
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,589,000	2,541
Net charge-offs	$3,394,000	259
Cash dividends	$270,000	3,434
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,587,400	2,534
2018-09-30 (YTD Data)		Rank
Total interest income	$15,639,000	1,375
Total interest expense	$2,884,000	1,098
Net interest income	$12,755,000	1,417
Provision for loan and lease losses	$2,465,000	338
Total noninterest income	$1,688,000	1,876
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$686,000	1,255
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,002,000	1,933
Total noninterest expense	$9,313,000	1,560
Salaries and employee benefits	$4,642,000	1,766
Premises and equipment expense	$1,211,000	1,406
Additional noninterest expense	$3,460,000	1,339
Pre-tax net operating income	$2,665,000	2,291
Securities gains (losses)	$0	1,118
Applicable income taxes	$490,000	1,804
Income before extraordinary items	$2,175,000	2,387
Extraordinary gains, net	$0	5
Net income	$2,175,000	2,386
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,175,000	2,386
Net charge-offs	$718,000	566
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,175,000	2,378
2018-06-30 (YTD Data)		Rank
Total interest income	$10,445,000	1,355
Total interest expense	$1,843,000	1,084
Net interest income	$8,602,000	1,402
Provision for loan and lease losses	$1,290,000	393
Total noninterest income	$1,135,000	1,866
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$462,000	1,240
Trading account gains and fees	NA	NA
Additional Noninterest Income	$673,000	1,923
Total noninterest expense	$6,035,000	1,611
Salaries and employee benefits	$3,012,000	1,814
Premises and equipment expense	$802,000	1,434
Additional noninterest expense	$2,221,000	1,381
Pre-tax net operating income	$2,412,000	1,827
Securities gains (losses)	$0	961
Applicable income taxes	$462,000	1,478
Income before extraordinary items	$1,950,000	1,918
Extraordinary gains, net	$0	6
Net income	$1,950,000	1,916
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,950,000	1,917
Net charge-offs	$469,000	544
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,950,000	1,914
2018-03-31 (YTD Data)		Rank
Total interest income	$5,173,000	1,353
Total interest expense	$868,000	1,094
Net interest income	$4,305,000	1,401
Provision for loan and lease losses	$600,000	396
Total noninterest income	$533,000	1,905
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$235,000	1,228
Trading account gains and fees	NA	NA
Additional Noninterest Income	$298,000	2,031
Total noninterest expense	$3,059,000	1,604
Salaries and employee benefits	$1,576,000	1,773
Premises and equipment expense	$402,000	1,443
Additional noninterest expense	$1,081,000	1,401
Pre-tax net operating income	$1,179,000	1,803
Securities gains (losses)	$0	735
Applicable income taxes	$228,000	1,455
Income before extraordinary items	$951,000	1,908
Extraordinary gains, net	$0	7
Net income	$951,000	1,907
Minority interest net income	$0	52
Net income of bank and minority interests.	$951,000	1,908
Net charge-offs	$232,000	529
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$951,000	1,898
2017-12-31 (YTD Data)		Rank
Total interest income	$20,309,000	1,329
Total interest expense	$3,197,000	1,018
Net interest income	$17,112,000	1,374
Provision for loan and lease losses	$1,835,000	550
Total noninterest income	$1,854,000	2,130
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$874,000	1,321
Trading account gains and fees	NA	NA
Additional Noninterest Income	$980,000	2,320
Total noninterest expense	$11,167,000	1,716
Salaries and employee benefits	$5,540,000	1,933
Premises and equipment expense	$1,526,000	1,499
Additional noninterest expense	$4,101,000	1,485
Pre-tax net operating income	$5,964,000	1,466
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,770,000	1,387
Income before extraordinary items	$4,194,000	1,544
Extraordinary gains, net	$0	9
Net income	$4,194,000	1,544
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,194,000	1,544
Net charge-offs	$1,841,000	433
Cash dividends	$270,000	3,474
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$4,194,000	1,531
2017-09-30 (YTD Data)		Rank
Total interest income	$15,313,000	1,329
Total interest expense	$2,263,000	1,061
Net interest income	$13,050,000	1,361
Provision for loan and lease losses	$1,350,000	550
Total noninterest income	$1,518,000	2,038
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$662,000	1,320
Trading account gains and fees	NA	NA
Additional Noninterest Income	$856,000	2,152
Total noninterest expense	$8,426,000	1,710
Salaries and employee benefits	$4,151,000	1,937
Premises and equipment expense	$1,146,000	1,506
Additional noninterest expense	$3,129,000	1,461
Pre-tax net operating income	$4,792,000	1,413
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,474,000	1,137
Income before extraordinary items	$3,318,000	1,599
Extraordinary gains, net	$0	9
Net income	$3,318,000	1,598
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,318,000	1,599
Net charge-offs	$1,397,000	391
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,318,000	1,577
2017-06-30 (YTD Data)		Rank
Total interest income	$10,136,000	1,331
Total interest expense	$1,428,000	1,088
Net interest income	$8,708,000	1,360
Provision for loan and lease losses	$675,000	684
Total noninterest income	$930,000	2,146
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$453,000	1,280
Trading account gains and fees	NA	NA
Additional Noninterest Income	$477,000	2,392
Total noninterest expense	$5,441,000	1,768
Salaries and employee benefits	$2,733,000	1,963
Premises and equipment expense	$779,000	1,475
Additional noninterest expense	$1,929,000	1,555
Pre-tax net operating income	$3,522,000	1,314
Securities gains (losses)	$0	1,906
Applicable income taxes	$1,141,000	1,015
Income before extraordinary items	$2,381,000	1,484
Extraordinary gains, net	$0	11
Net income	$2,381,000	1,483
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,381,000	1,484
Net charge-offs	$540,000	527
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,381,000	1,467
2017-03-31 (YTD Data)		Rank
Total interest income	$4,982,000	1,336
Total interest expense	$678,000	1,118
Net interest income	$4,304,000	1,371
Provision for loan and lease losses	$300,000	670
Total noninterest income	$483,000	2,096
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$214,000	1,334
Trading account gains and fees	NA	NA
Additional Noninterest Income	$269,000	2,230
Total noninterest expense	$2,795,000	1,742
Salaries and employee benefits	$1,427,000	1,929
Premises and equipment expense	$396,000	1,471
Additional noninterest expense	$972,000	1,549
Pre-tax net operating income	$1,692,000	1,331
Securities gains (losses)	$0	1,153
Applicable income taxes	$554,000	1,008
Income before extraordinary items	$1,138,000	1,520
Extraordinary gains, net	$0	8
Net income	$1,138,000	1,520
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,138,000	1,520
Net charge-offs	$103,000	917
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,138,000	1,498
2016-12-31 (YTD Data)		Rank
Total interest income	$18,750,000	1,360
Total interest expense	$2,492,000	1,156
Net interest income	$16,258,000	1,394
Provision for loan and lease losses	$1,150,000	815
Total noninterest income	$1,936,000	2,163
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$989,000	1,222
Trading account gains and fees	$0	170
Additional Noninterest Income	$947,000	2,456
Total noninterest expense	$10,836,000	1,770
Salaries and employee benefits	$5,332,000	1,994
Premises and equipment expense	$1,708,000	1,353
Additional noninterest expense	$3,796,000	1,606
Pre-tax net operating income	$6,208,000	1,362
Securities gains (losses)	$3,000	2,978
Applicable income taxes	$1,916,000	1,083
Income before extraordinary items	$4,295,000	1,560
Extraordinary gains, net	$0	5
Net income	$4,295,000	1,559
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,295,000	1,559
Net charge-offs	$1,154,000	589
Cash dividends	$270,000	3,504
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$4,292,930	1,534
2016-09-30 (YTD Data)		Rank
Total interest income	$13,867,000	1,378
Total interest expense	$1,854,000	1,166
Net interest income	$12,013,000	1,417
Provision for loan and lease losses	$650,000	956
Total noninterest income	$1,440,000	2,176
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$703,000	1,276
Trading account gains and fees	$0	169
Additional Noninterest Income	$737,000	2,431
Total noninterest expense	$8,124,000	1,766
Salaries and employee benefits	$4,057,000	1,957
Premises and equipment expense	$1,255,000	1,374
Additional noninterest expense	$2,812,000	1,620
Pre-tax net operating income	$4,679,000	1,376
Securities gains (losses)	$3,000	2,908
Applicable income taxes	$1,463,000	1,098
Income before extraordinary items	$3,219,000	1,583
Extraordinary gains, net	$0	5
Net income	$3,219,000	1,583
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,219,000	1,583
Net charge-offs	$296,000	1,148
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$3,216,930	1,549
2016-06-30 (YTD Data)		Rank
Total interest income	$8,952,000	1,421
Total interest expense	$1,236,000	1,159
Net interest income	$7,716,000	1,469
Provision for loan and lease losses	$400,000	1,011
Total noninterest income	$902,000	2,227
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$440,000	1,331
Trading account gains and fees	$0	157
Additional Noninterest Income	$462,000	2,476
Total noninterest expense	$5,384,000	1,781
Salaries and employee benefits	$2,669,000	1,988
Premises and equipment expense	$841,000	1,369
Additional noninterest expense	$1,874,000	1,625
Pre-tax net operating income	$2,834,000	1,472
Securities gains (losses)	$0	2,835
Applicable income taxes	$896,000	1,173
Income before extraordinary items	$1,938,000	1,714
Extraordinary gains, net	$0	16
Net income	$1,938,000	1,715
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,938,000	1,715
Net charge-offs	$247,000	988
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,938,000	1,660
2016-03-31 (YTD Data)		Rank
Total interest income	$4,299,000	1,479
Total interest expense	$621,000	1,147
Net interest income	$3,678,000	1,521
Provision for loan and lease losses	$150,000	1,146
Total noninterest income	$538,000	1,978
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$201,000	1,422
Trading account gains and fees	$0	142
Additional Noninterest Income	$337,000	1,953
Total noninterest expense	$2,787,000	1,734
Salaries and employee benefits	$1,280,000	2,061
Premises and equipment expense	$408,000	1,410
Additional noninterest expense	$1,099,000	1,400
Pre-tax net operating income	$1,279,000	1,579
Securities gains (losses)	$0	2,077
Applicable income taxes	$422,000	1,197
Income before extraordinary items	$857,000	1,872
Extraordinary gains, net	$0	12
Net income	$857,000	1,873
Minority interest net income	$0	62
Net income of bank and minority interests.	$857,000	1,873
Net charge-offs	$7,000	2,464
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$857,000	1,828
2015-12-31 (YTD Data)		Rank
Total interest income	$18,281,000	1,371
Total interest expense	$2,393,000	1,164
Net interest income	$15,888,000	1,399
Provision for loan and lease losses	$825,000	949
Total noninterest income	$1,762,000	2,277
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$805,000	1,469
Trading account gains and fees	$0	159
Additional Noninterest Income	$957,000	2,431
Total noninterest expense	$10,557,000	1,794
Salaries and employee benefits	$5,173,000	1,999
Premises and equipment expense	$1,655,000	1,396
Additional noninterest expense	$3,729,000	1,629
Pre-tax net operating income	$6,268,000	1,320
Securities gains (losses)	$0	3,216
Applicable income taxes	$2,097,000	975
Income before extraordinary items	$4,171,000	1,551
Extraordinary gains, net	$0	23
Net income	$4,171,000	1,551
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,171,000	1,551
Net charge-offs	$446,000	1,272
Cash dividends	$216,000	3,642
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$4,171,000	1,522
2015-09-30 (YTD Data)		Rank
Total interest income	$13,582,000	1,391
Total interest expense	$1,761,000	1,198
Net interest income	$11,821,000	1,420
Provision for loan and lease losses	$675,000	812
Total noninterest income	$1,351,000	2,255
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$588,000	1,520
Trading account gains and fees	$0	153
Additional Noninterest Income	$763,000	2,380
Total noninterest expense	$7,713,000	1,844
Salaries and employee benefits	$3,816,000	2,034
Premises and equipment expense	$1,170,000	1,492
Additional noninterest expense	$2,727,000	1,664
Pre-tax net operating income	$4,784,000	1,320
Securities gains (losses)	$0	3,031
Applicable income taxes	$1,518,000	1,024
Income before extraordinary items	$3,266,000	1,525
Extraordinary gains, net	$0	21
Net income	$3,266,000	1,526
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,266,000	1,526
Net charge-offs	$-270,000	6,018
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$3,266,000	1,487
2015-06-30 (YTD Data)		Rank
Total interest income	$8,967,000	1,409
Total interest expense	$1,147,000	1,226
Net interest income	$7,820,000	1,443
Provision for loan and lease losses	$450,000	841
Total noninterest income	$900,000	2,263
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$359,000	1,605
Trading account gains and fees	$0	157
Additional Noninterest Income	$541,000	2,328
Total noninterest expense	$5,185,000	1,840
Salaries and employee benefits	$2,580,000	2,021
Premises and equipment expense	$793,000	1,472
Additional noninterest expense	$1,812,000	1,678
Pre-tax net operating income	$3,085,000	1,348
Securities gains (losses)	$0	2,636
Applicable income taxes	$982,000	1,042
Income before extraordinary items	$2,103,000	1,546
Extraordinary gains, net	$0	22
Net income	$2,103,000	1,549
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,103,000	1,549
Net charge-offs	$-314,000	6,146
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,103,000	1,513
2015-03-31 (YTD Data)		Rank
Total interest income	$4,479,000	1,408
Total interest expense	$554,000	1,265
Net interest income	$3,925,000	1,427
Provision for loan and lease losses	$225,000	816
Total noninterest income	$450,000	2,244
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$181,000	1,573
Trading account gains and fees	$0	152
Additional Noninterest Income	$269,000	2,262
Total noninterest expense	$2,450,000	1,936
Salaries and employee benefits	$1,205,000	2,150
Premises and equipment expense	$391,000	1,516
Additional noninterest expense	$854,000	1,759
Pre-tax net operating income	$1,700,000	1,197
Securities gains (losses)	$0	2,027
Applicable income taxes	$520,000	988
Income before extraordinary items	$1,180,000	1,395
Extraordinary gains, net	$0	13
Net income	$1,180,000	1,397
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,180,000	1,397
Net charge-offs	$-110,000	6,135
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,180,000	1,352
2014-12-31 (YTD Data)		Rank
Total interest income	$17,183,000	1,460
Total interest expense	$2,060,000	1,430
Net interest income	$15,123,000	1,462
Provision for loan and lease losses	$885,000	958
Total noninterest income	$1,873,000	2,208
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$925,000	1,395
Trading account gains and fees	$0	180
Additional Noninterest Income	$948,000	2,397
Total noninterest expense	$10,094,000	1,873
Salaries and employee benefits	$5,103,000	2,002
Premises and equipment expense	$1,590,000	1,489
Additional noninterest expense	$3,401,000	1,816
Pre-tax net operating income	$6,017,000	1,305
Securities gains (losses)	$2,000	3,069
Applicable income taxes	$1,975,000	989
Income before extraordinary items	$4,044,000	1,577
Extraordinary gains, net	$0	17
Net income	$4,044,000	1,575
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,044,000	1,576
Net charge-offs	$536,000	1,398
Cash dividends	$162,000	3,836
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$4,042,660	1,543
2014-09-30 (YTD Data)		Rank
Total interest income	$12,694,000	1,488
Total interest expense	$1,498,000	1,504
Net interest income	$11,196,000	1,483
Provision for loan and lease losses	$735,000	860
Total noninterest income	$1,356,000	2,256
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$728,000	1,338
Trading account gains and fees	$0	174
Additional Noninterest Income	$628,000	2,582
Total noninterest expense	$7,269,000	1,957
Salaries and employee benefits	$3,560,000	2,158
Premises and equipment expense	$1,165,000	1,533
Additional noninterest expense	$2,544,000	1,810
Pre-tax net operating income	$4,548,000	1,311
Securities gains (losses)	$0	2,980
Applicable income taxes	$1,572,000	963
Income before extraordinary items	$2,976,000	1,592
Extraordinary gains, net	$0	15
Net income	$2,976,000	1,592
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,976,000	1,592
Net charge-offs	$269,000	1,691
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,976,000	1,569
2014-06-30 (YTD Data)		Rank
Total interest income	$8,298,000	1,507
Total interest expense	$955,000	1,575
Net interest income	$7,343,000	1,497
Provision for loan and lease losses	$535,000	791
Total noninterest income	$1,027,000	2,054
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$508,000	1,264
Trading account gains and fees	$0	172
Additional Noninterest Income	$519,000	2,266
Total noninterest expense	$4,925,000	1,921
Salaries and employee benefits	$2,410,000	2,130
Premises and equipment expense	$717,000	1,646
Additional noninterest expense	$1,798,000	1,716
Pre-tax net operating income	$2,910,000	1,321
Securities gains (losses)	$0	2,580
Applicable income taxes	$917,000	1,036
Income before extraordinary items	$1,993,000	1,544
Extraordinary gains, net	$0	20
Net income	$1,993,000	1,547
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,993,000	1,546
Net charge-offs	$243,000	1,438
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,993,000	1,518
2014-03-31 (YTD Data)		Rank
Total interest income	$4,013,000	1,543
Total interest expense	$455,000	1,665
Net interest income	$3,558,000	1,542
Provision for loan and lease losses	$335,000	636
Total noninterest income	$513,000	1,995
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$261,000	1,218
Trading account gains and fees	$0	147
Additional Noninterest Income	$252,000	2,246
Total noninterest expense	$2,443,000	1,944
Salaries and employee benefits	$1,124,000	2,270
Premises and equipment expense	$375,000	1,610
Additional noninterest expense	$944,000	1,629
Pre-tax net operating income	$1,293,000	1,420
Securities gains (losses)	$0	1,715
Applicable income taxes	$396,000	1,091
Income before extraordinary items	$897,000	1,631
Extraordinary gains, net	$0	16
Net income	$897,000	1,634
Minority interest net income	$0	66
Net income of bank and minority interests.	$897,000	1,634
Net charge-offs	$-35,000	6,209
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$897,000	1,599
2013-12-31 (YTD Data)		Rank
Total interest income	$14,835,000	1,682
Total interest expense	$1,623,000	2,018
Net interest income	$13,212,000	1,633
Provision for loan and lease losses	$865,000	1,248
Total noninterest income	$2,121,000	2,079
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,024,000	1,327
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,097,000	2,251
Total noninterest expense	$9,358,000	2,021
Salaries and employee benefits	$4,575,000	2,226
Premises and equipment expense	$1,438,000	1,639
Additional noninterest expense	$3,345,000	1,894
Pre-tax net operating income	$5,110,000	1,404
Securities gains (losses)	$2,000	2,972
Applicable income taxes	$1,435,000	1,154
Income before extraordinary items	$3,677,000	1,613
Extraordinary gains, net	$0	29
Net income	$3,677,000	1,616
Minority interest net income	$0	90
Net income of bank and minority interests.	$3,677,000	1,617
Net charge-offs	$815,000	1,466
Cash dividends	$162,000	3,711
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$3,675,560	1,576
2013-09-30 (YTD Data)		Rank
Total interest income	$10,884,000	1,721
Total interest expense	$1,197,000	2,106
Net interest income	$9,687,000	1,670
Provision for loan and lease losses	$510,000	1,480
Total noninterest income	$1,524,000	2,191
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$758,000	1,351
Trading account gains and fees	$0	180
Additional Noninterest Income	$766,000	2,393
Total noninterest expense	$6,854,000	2,064
Salaries and employee benefits	$3,418,000	2,228
Premises and equipment expense	$1,034,000	1,716
Additional noninterest expense	$2,402,000	1,952
Pre-tax net operating income	$3,847,000	1,426
Securities gains (losses)	$2,000	2,831
Applicable income taxes	$1,144,000	1,133
Income before extraordinary items	$2,705,000	1,668
Extraordinary gains, net	$0	25
Net income	$2,705,000	1,671
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,705,000	1,672
Net charge-offs	$205,000	2,534
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,703,600	1,619
2013-06-30 (YTD Data)		Rank
Total interest income	$7,162,000	1,746
Total interest expense	$803,000	2,127
Net interest income	$6,359,000	1,681
Provision for loan and lease losses	$300,000	1,629
Total noninterest income	$911,000	2,351
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$479,000	1,392
Trading account gains and fees	$0	157
Additional Noninterest Income	$432,000	2,687
Total noninterest expense	$4,464,000	2,112
Salaries and employee benefits	$2,320,000	2,191
Premises and equipment expense	$641,000	1,817
Additional noninterest expense	$1,503,000	2,055
Pre-tax net operating income	$2,506,000	1,438
Securities gains (losses)	$2,000	2,612
Applicable income taxes	$744,000	1,152
Income before extraordinary items	$1,764,000	1,696
Extraordinary gains, net	$0	22
Net income	$1,764,000	1,700
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,764,000	1,701
Net charge-offs	$-16,000	6,269
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,762,600	1,626
2013-03-31 (YTD Data)		Rank
Total interest income	$3,496,000	1,807
Total interest expense	$405,000	2,177
Net interest income	$3,091,000	1,739
Provision for loan and lease losses	$150,000	1,610
Total noninterest income	$401,000	2,551
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$167,000	1,871
Trading account gains and fees	$0	148
Additional Noninterest Income	$234,000	2,552
Total noninterest expense	$2,201,000	2,163
Salaries and employee benefits	$1,098,000	2,321
Premises and equipment expense	$306,000	1,933
Additional noninterest expense	$797,000	1,963
Pre-tax net operating income	$1,141,000	1,531
Securities gains (losses)	$2,000	1,785
Applicable income taxes	$343,000	1,208
Income before extraordinary items	$800,000	1,769
Extraordinary gains, net	$0	10
Net income	$800,000	1,771
Minority interest net income	$0	76
Net income of bank and minority interests.	$800,000	1,771
Net charge-offs	$-28,000	6,547
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$798,600	1,710
2012-12-31 (YTD Data)		Rank
Total interest income	$13,882,000	1,901
Total interest expense	$1,842,000	2,290
Net interest income	$12,040,000	1,819
Provision for loan and lease losses	$575,000	2,523
Total noninterest income	$2,367,000	1,938
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$1,009,000	1,407
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,358,000	1,973
Total noninterest expense	$8,520,000	2,220
Salaries and employee benefits	$4,174,000	2,359
Premises and equipment expense	$1,232,000	1,901
Additional noninterest expense	$3,114,000	2,081
Pre-tax net operating income	$5,312,000	1,304
Securities gains (losses)	$0	3,810
Applicable income taxes	$1,553,000	1,076
Income before extraordinary items	$3,759,000	1,529
Extraordinary gains, net	$0	29
Net income	$3,759,000	1,531
Minority interest net income	$0	93
Net income of bank and minority interests.	$3,759,000	1,530
Net charge-offs	$625,000	2,364
Cash dividends	$162,000	3,755
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,759,000	1,438
2012-09-30 (YTD Data)		Rank
Total interest income	$10,242,000	1,963
Total interest expense	$1,402,000	2,351
Net interest income	$8,840,000	1,880
Provision for loan and lease losses	$425,000	2,500
Total noninterest income	$1,597,000	2,099
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$744,000	1,437
Trading account gains and fees	$0	157
Additional Noninterest Income	$853,000	2,209
Total noninterest expense	$6,146,000	2,309
Salaries and employee benefits	$2,999,000	2,457
Premises and equipment expense	$948,000	1,875
Additional noninterest expense	$2,199,000	2,198
Pre-tax net operating income	$3,866,000	1,366
Securities gains (losses)	$0	3,575
Applicable income taxes	$1,178,000	1,082
Income before extraordinary items	$2,688,000	1,633
Extraordinary gains, net	$0	20
Net income	$2,688,000	1,634
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,688,000	1,634
Net charge-offs	$158,000	3,539
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,688,000	1,546
2012-06-30 (YTD Data)		Rank
Total interest income	$6,631,000	2,024
Total interest expense	$960,000	2,368
Net interest income	$5,671,000	1,952
Provision for loan and lease losses	$265,000	2,606
Total noninterest income	$1,074,000	2,061
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$492,000	1,439
Trading account gains and fees	$0	153
Additional Noninterest Income	$582,000	2,140
Total noninterest expense	$4,047,000	2,344
Salaries and employee benefits	$2,008,000	2,441
Premises and equipment expense	$589,000	1,997
Additional noninterest expense	$1,450,000	2,237
Pre-tax net operating income	$2,433,000	1,429
Securities gains (losses)	$0	3,178
Applicable income taxes	$727,000	1,142
Income before extraordinary items	$1,706,000	1,700
Extraordinary gains, net	$0	19
Net income	$1,706,000	1,699
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,706,000	1,700
Net charge-offs	$45,000	4,124
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,706,000	1,616
2012-03-31 (YTD Data)		Rank
Total interest income	$3,289,000	2,050
Total interest expense	$491,000	2,420
Net interest income	$2,798,000	1,976
Provision for loan and lease losses	$95,000	2,953
Total noninterest income	$792,000	1,538
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$237,000	1,472
Trading account gains and fees	$0	148
Additional Noninterest Income	$555,000	1,403
Total noninterest expense	$2,130,000	2,236
Salaries and employee benefits	$901,000	2,736
Premises and equipment expense	$307,000	1,940
Additional noninterest expense	$922,000	1,801
Pre-tax net operating income	$1,365,000	1,280
Securities gains (losses)	$0	2,210
Applicable income taxes	$412,000	1,046
Income before extraordinary items	$953,000	1,537
Extraordinary gains, net	$0	19
Net income	$953,000	1,538
Minority interest net income	$0	78
Net income of bank and minority interests.	$953,000	1,538
Net charge-offs	$31,000	3,398
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$953,000	1,441
2011-12-31 (YTD Data)		Rank
Total interest income	$12,730,000	2,200
Total interest expense	$2,014,000	2,766
Net interest income	$10,716,000	2,032
Provision for loan and lease losses	$605,000	3,144
Total noninterest income	$1,738,000	2,217
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$942,000	1,548
Trading account gains and fees	$0	146
Additional Noninterest Income	$796,000	2,454
Total noninterest expense	$7,865,000	2,408
Salaries and employee benefits	$3,895,000	2,459
Premises and equipment expense	$1,016,000	2,383
Additional noninterest expense	$2,954,000	2,232
Pre-tax net operating income	$3,984,000	1,436
Securities gains (losses)	$0	3,838
Applicable income taxes	$1,075,000	1,278
Income before extraordinary items	$2,909,000	1,652
Extraordinary gains, net	$0	29
Net income	$2,909,000	1,652
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,909,000	1,652
Net charge-offs	$678,000	2,819
Cash dividends	$108,000	3,720
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,909,000	1,581
2011-09-30 (YTD Data)		Rank
Total interest income	$9,371,000	2,260
Total interest expense	$1,546,000	2,809
Net interest income	$7,825,000	2,103
Provision for loan and lease losses	$505,000	2,868
Total noninterest income	$1,298,000	2,221
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$745,000	1,491
Trading account gains and fees	$0	145
Additional Noninterest Income	$553,000	2,544
Total noninterest expense	$5,626,000	2,512
Salaries and employee benefits	$2,678,000	2,699
Premises and equipment expense	$678,000	2,647
Additional noninterest expense	$2,270,000	2,201
Pre-tax net operating income	$2,992,000	1,498
Securities gains (losses)	$0	3,555
Applicable income taxes	$855,000	1,224
Income before extraordinary items	$2,137,000	1,738
Extraordinary gains, net	$0	21
Net income	$2,137,000	1,739
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,137,000	1,739
Net charge-offs	$456,000	2,769
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,137,000	1,663
2011-06-30 (YTD Data)		Rank
Total interest income	$6,145,000	2,311
Total interest expense	$1,079,000	2,791
Net interest income	$5,066,000	2,157
Provision for loan and lease losses	$405,000	2,579
Total noninterest income	$873,000	2,192
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$503,000	1,459
Trading account gains and fees	$0	153
Additional Noninterest Income	$370,000	2,550
Total noninterest expense	$3,796,000	2,500
Salaries and employee benefits	$1,855,000	2,598
Premises and equipment expense	$458,000	2,630
Additional noninterest expense	$1,483,000	2,262
Pre-tax net operating income	$1,738,000	1,638
Securities gains (losses)	$0	2,914
Applicable income taxes	$481,000	1,356
Income before extraordinary items	$1,257,000	1,880
Extraordinary gains, net	$0	15
Net income	$1,257,000	1,880
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,257,000	1,880
Net charge-offs	$485,000	2,179
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,257,000	1,807
2011-03-31 (YTD Data)		Rank
Total interest income	$2,958,000	2,409
Total interest expense	$556,000	2,806
Net interest income	$2,402,000	2,273
Provision for loan and lease losses	$300,000	1,892
Total noninterest income	$485,000	2,035
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$268,000	1,326
Trading account gains and fees	$0	158
Additional Noninterest Income	$217,000	2,358
Total noninterest expense	$1,890,000	2,532
Salaries and employee benefits	$874,000	2,772
Premises and equipment expense	$295,000	2,176
Additional noninterest expense	$721,000	2,301
Pre-tax net operating income	$697,000	1,977
Securities gains (losses)	$0	1,772
Applicable income taxes	$181,000	1,605
Income before extraordinary items	$516,000	2,198
Extraordinary gains, net	$0	9
Net income	$516,000	2,197
Minority interest net income	$0	86
Net income of bank and minority interests.	$516,000	2,198
Net charge-offs	$370,000	1,583
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$516,000	2,155
2010-12-31 (YTD Data)		Rank
Total interest income	$11,800,000	2,532
Total interest expense	$2,190,000	3,317
Net interest income	$9,610,000	2,279
Provision for loan and lease losses	$435,000	4,351
Total noninterest income	$1,829,000	2,194
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,191,000	1,262
Trading account gains and fees	$0	175
Additional Noninterest Income	$638,000	2,823
Total noninterest expense	$7,231,000	2,663
Salaries and employee benefits	$3,663,000	2,627
Premises and equipment expense	$904,000	2,686
Additional noninterest expense	$2,664,000	2,530
Pre-tax net operating income	$3,773,000	1,327
Securities gains (losses)	$0	3,793
Applicable income taxes	$1,028,000	1,195
Income before extraordinary items	$2,745,000	1,515
Extraordinary gains, net	$0	29
Net income	$2,745,000	1,516
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,745,000	1,517
Net charge-offs	$509,000	3,632
Cash dividends	$110,000	3,652
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,745,000	1,463
2010-09-30 (YTD Data)		Rank
Total interest income	$8,782,000	2,620
Total interest expense	$1,627,000	3,495
Net interest income	$7,155,000	2,335
Provision for loan and lease losses	$135,000	5,367
Total noninterest income	$1,400,000	2,193
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$889,000	1,311
Trading account gains and fees	$0	165
Additional Noninterest Income	$511,000	2,723
Total noninterest expense	$5,066,000	2,807
Salaries and employee benefits	$2,457,000	2,896
Premises and equipment expense	$752,000	2,516
Additional noninterest expense	$1,857,000	2,656
Pre-tax net operating income	$3,354,000	1,182
Securities gains (losses)	$0	3,651
Applicable income taxes	$985,000	1,009
Income before extraordinary items	$2,369,000	1,404
Extraordinary gains, net	$0	23
Net income	$2,369,000	1,407
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,369,000	1,408
Net charge-offs	$231,000	4,050
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$2,369,000	1,349
2010-06-30 (YTD Data)		Rank
Total interest income	$5,725,000	2,702
Total interest expense	$1,077,000	3,607
Net interest income	$4,648,000	2,394
Provision for loan and lease losses	$105,000	5,093
Total noninterest income	$975,000	2,094
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$610,000	1,281
Trading account gains and fees	$0	152
Additional Noninterest Income	$365,000	2,542
Total noninterest expense	$3,317,000	2,858
Salaries and employee benefits	$1,624,000	2,934
Premises and equipment expense	$491,000	2,573
Additional noninterest expense	$1,202,000	2,714
Pre-tax net operating income	$2,201,000	1,189
Securities gains (losses)	$0	3,184
Applicable income taxes	$682,000	954
Income before extraordinary items	$1,519,000	1,450
Extraordinary gains, net	$0	19
Net income	$1,519,000	1,450
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,519,000	1,451
Net charge-offs	$119,000	4,054
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,519,000	1,389
2010-03-31 (YTD Data)		Rank
Total interest income	$2,765,000	2,848
Total interest expense	$527,000	3,788
Net interest income	$2,238,000	2,512
Provision for loan and lease losses	$75,000	4,293
Total noninterest income	$517,000	1,984
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$303,000	1,295
Trading account gains and fees	$0	175
Additional Noninterest Income	$214,000	2,294
Total noninterest expense	$1,574,000	3,024
Salaries and employee benefits	$711,000	3,361
Premises and equipment expense	$242,000	2,655
Additional noninterest expense	$621,000	2,625
Pre-tax net operating income	$1,106,000	1,179
Securities gains (losses)	$0	2,284
Applicable income taxes	$335,000	956
Income before extraordinary items	$771,000	1,426
Extraordinary gains, net	$0	16
Net income	$771,000	1,428
Minority interest net income	$0	91
Net income of bank and minority interests.	$771,000	1,428
Net charge-offs	$12,000	4,735
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$771,000	1,377
2009-12-31 (YTD Data)		Rank
Total interest income	$9,903,000	3,258
Total interest expense	$2,379,000	4,027
Net interest income	$7,524,000	2,873
Provision for loan and lease losses	$45,000	6,900
Total noninterest income	$1,710,000	2,360
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,090,000	1,552
Trading account gains and fees	$0	211
Additional Noninterest Income	$620,000	2,852
Total noninterest expense	$5,864,000	3,239
Salaries and employee benefits	$2,882,000	3,298
Premises and equipment expense	$798,000	3,130
Additional noninterest expense	$2,184,000	3,103
Pre-tax net operating income	$3,325,000	1,217
Securities gains (losses)	$0	3,754
Applicable income taxes	$952,000	999
Income before extraordinary items	$2,373,000	1,410
Extraordinary gains, net	$0	34
Net income	$2,373,000	1,408
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,373,000	1,409
Net charge-offs	$95,000	5,743
Cash dividends	$110,000	4,065
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,373,000	1,383
2009-09-30 (YTD Data)		Rank
Total interest income	$7,228,000	3,370
Total interest expense	$1,867,000	4,036
Net interest income	$5,361,000	3,007
Provision for loan and lease losses	$45,000	6,580
Total noninterest income	$1,310,000	2,380
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$814,000	1,564
Trading account gains and fees	$0	212
Additional Noninterest Income	$496,000	2,824
Total noninterest expense	$4,091,000	3,439
Salaries and employee benefits	$1,858,000	3,751
Premises and equipment expense	$572,000	3,301
Additional noninterest expense	$1,661,000	3,029
Pre-tax net operating income	$2,535,000	1,278
Securities gains (losses)	$0	3,497
Applicable income taxes	$738,000	1,059
Income before extraordinary items	$1,797,000	1,493
Extraordinary gains, net	$0	27
Net income	$1,797,000	1,491
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,797,000	1,493
Net charge-offs	$-15,000	7,915
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,797,000	1,453
2009-06-30 (YTD Data)		Rank
Total interest income	$4,678,000	3,481
Total interest expense	$1,320,000	3,987
Net interest income	$3,358,000	3,162
Provision for loan and lease losses	$45,000	6,163
Total noninterest income	$855,000	2,426
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$500,000	1,657
Trading account gains and fees	$0	193
Additional Noninterest Income	$355,000	2,720
Total noninterest expense	$2,587,000	3,627
Salaries and employee benefits	$1,181,000	3,944
Premises and equipment expense	$382,000	3,308
Additional noninterest expense	$1,024,000	3,234
Pre-tax net operating income	$1,581,000	1,450
Securities gains (losses)	$0	3,136
Applicable income taxes	$462,000	1,151
Income before extraordinary items	$1,119,000	1,660
Extraordinary gains, net	$0	21
Net income	$1,119,000	1,657
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,119,000	1,659
Net charge-offs	$-8,000	7,866
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,119,000	1,625
2009-03-31 (YTD Data)		Rank
Total interest income	$2,282,000	3,586
Total interest expense	$697,000	3,957
Net interest income	$1,585,000	3,287
Provision for loan and lease losses	$45,000	4,992
Total noninterest income	$452,000	2,289
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$227,000	1,771
Trading account gains and fees	$0	171
Additional Noninterest Income	$225,000	2,352
Total noninterest expense	$1,215,000	3,728
Salaries and employee benefits	$572,000	4,037
Premises and equipment expense	$181,000	3,488
Additional noninterest expense	$462,000	3,208
Pre-tax net operating income	$777,000	1,650
Securities gains (losses)	$0	2,434
Applicable income taxes	$228,000	1,315
Income before extraordinary items	$549,000	1,955
Extraordinary gains, net	$0	15
Net income	$549,000	1,957
Minority interest net income	$0	102
Net income of bank and minority interests.	$549,000	1,957
Net charge-offs	$-21,000	8,005
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$549,000	1,840
2008-12-31 (YTD Data)		Rank
Total interest income	$9,104,000	3,770
Total interest expense	$2,813,000	4,433
Net interest income	$6,291,000	3,351
Provision for loan and lease losses	$0	7,334
Total noninterest income	$1,482,000	2,658
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,051,000	1,691
Trading account gains and fees	$0	154
Additional Noninterest Income	$431,000	3,451
Total noninterest expense	$4,726,000	3,731
Salaries and employee benefits	$2,366,000	3,936
Premises and equipment expense	$700,000	3,514
Additional noninterest expense	$1,660,000	3,358
Pre-tax net operating income	$3,047,000	1,769
Securities gains (losses)	$0	3,220
Applicable income taxes	$788,000	1,415
Income before extraordinary items	$2,259,000	1,771
Extraordinary gains, net	$0	39
Net income	$2,259,000	1,772
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$170,000	4,314
Cash dividends	$110,000	4,901
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,259,000	1,888
2008-09-30 (YTD Data)		Rank
Total interest income	$6,715,000	3,875
Total interest expense	$2,143,000	4,509
Net interest income	$4,572,000	3,462
Provision for loan and lease losses	$0	6,991
Total noninterest income	$1,181,000	2,609
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$774,000	1,733
Trading account gains and fees	$0	148
Additional Noninterest Income	$407,000	3,152
Total noninterest expense	$3,285,000	3,938
Salaries and employee benefits	$1,580,000	4,301
Premises and equipment expense	$497,000	3,651
Additional noninterest expense	$1,208,000	3,374
Pre-tax net operating income	$2,468,000	1,952
Securities gains (losses)	$0	3,106
Applicable income taxes	$716,000	1,503
Income before extraordinary items	$1,752,000	2,013
Extraordinary gains, net	$0	31
Net income	$1,752,000	2,012
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,019
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,752,000	2,111
2008-06-30 (YTD Data)		Rank
Total interest income	$4,421,000	3,967
Total interest expense	$1,456,000	4,588
Net interest income	$2,965,000	3,523
Provision for loan and lease losses	$0	6,671
Total noninterest income	$772,000	2,663
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$502,000	1,747
Trading account gains and fees	$0	149
Additional Noninterest Income	$270,000	3,208
Total noninterest expense	$2,109,000	4,087
Salaries and employee benefits	$1,006,000	4,502
Premises and equipment expense	$326,000	3,711
Additional noninterest expense	$777,000	3,434
Pre-tax net operating income	$1,628,000	2,035
Securities gains (losses)	$0	3,233
Applicable income taxes	$468,000	1,680
Income before extraordinary items	$1,160,000	2,277
Extraordinary gains, net	$0	21
Net income	$1,160,000	2,277
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,516
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,160,000	2,222
2008-03-31 (YTD Data)		Rank
Total interest income	$2,229,000	4,033
Total interest expense	$742,000	4,724
Net interest income	$1,487,000	3,506
Provision for loan and lease losses	$0	6,080
Total noninterest income	$397,000	2,617
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$243,000	1,768
Trading account gains and fees	$0	158
Additional Noninterest Income	$154,000	2,987
Total noninterest expense	$1,059,000	4,071
Salaries and employee benefits	$531,000	4,338
Premises and equipment expense	$165,000	3,711
Additional noninterest expense	$363,000	3,562
Pre-tax net operating income	$825,000	2,084
Securities gains (losses)	$0	2,688
Applicable income taxes	$241,000	1,720
Income before extraordinary items	$584,000	2,361
Extraordinary gains, net	$0	15
Net income	$584,000	2,363
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-51,000	8,326
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$584,000	2,295
2007-12-31 (YTD Data)		Rank
Total interest income	$8,439,000	4,214
Total interest expense	$3,085,000	4,718
Net interest income	$5,354,000	3,800
Provision for loan and lease losses	$0	6,851
Total noninterest income	$1,287,000	2,999
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$850,000	2,027
Trading account gains and fees	$0	178
Additional Noninterest Income	$437,000	3,560
Total noninterest expense	$4,217,000	3,954
Salaries and employee benefits	$2,155,000	4,148
Premises and equipment expense	$649,000	3,639
Additional noninterest expense	$1,413,000	3,594
Pre-tax net operating income	$2,424,000	2,896
Securities gains (losses)	$-15,000	7,664
Applicable income taxes	$619,000	2,460
Income before extraordinary items	$1,790,000	3,054
Extraordinary gains, net	$0	39
Net income	$1,790,000	3,053
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$129,000	3,420
Cash dividends	$107,000	5,315
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,801,100	3,043
2007-09-30 (YTD Data)		Rank
Total interest income	$6,274,000	4,257
Total interest expense	$2,345,000	4,688
Net interest income	$3,929,000	3,868
Provision for loan and lease losses	$0	6,528
Total noninterest income	$944,000	3,037
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$584,000	2,164
Trading account gains and fees	$0	184
Additional Noninterest Income	$360,000	3,404
Total noninterest expense	$3,036,000	4,063
Salaries and employee benefits	$1,559,000	4,256
Premises and equipment expense	$476,000	3,682
Additional noninterest expense	$1,001,000	3,695
Pre-tax net operating income	$1,837,000	3,011
Securities gains (losses)	$-15,000	7,879
Applicable income taxes	$472,000	2,604
Income before extraordinary items	$1,350,000	3,202
Extraordinary gains, net	$0	33
Net income	$1,350,000	3,201
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	2,148
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,361,100	3,163
2007-06-30 (YTD Data)		Rank
Total interest income	$4,130,000	4,316
Total interest expense	$1,551,000	4,689
Net interest income	$2,579,000	3,933
Provision for loan and lease losses	$0	6,209
Total noninterest income	$583,000	3,214
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$335,000	2,436
Trading account gains and fees	$0	168
Additional Noninterest Income	$248,000	3,364
Total noninterest expense	$1,978,000	4,155
Salaries and employee benefits	$1,004,000	4,399
Premises and equipment expense	$316,000	3,712
Additional noninterest expense	$658,000	3,739
Pre-tax net operating income	$1,184,000	3,149
Securities gains (losses)	$0	1,444
Applicable income taxes	$282,000	2,809
Income before extraordinary items	$902,000	3,239
Extraordinary gains, net	$0	29
Net income	$902,000	3,238
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$199,000	1,350
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$902,000	3,221
2007-03-31 (YTD Data)		Rank
Total interest income	$2,025,000	4,368
Total interest expense	$746,000	4,794
Net interest income	$1,279,000	3,961
Provision for loan and lease losses	$0	5,779
Total noninterest income	$287,000	3,203
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$146,000	2,650
Trading account gains and fees	$0	195
Additional Noninterest Income	$141,000	3,128
Total noninterest expense	$1,028,000	4,061
Salaries and employee benefits	$536,000	4,215
Premises and equipment expense	$148,000	3,888
Additional noninterest expense	$344,000	3,578
Pre-tax net operating income	$538,000	3,356
Securities gains (losses)	$0	1,187
Applicable income taxes	$124,000	2,994
Income before extraordinary items	$414,000	3,411
Extraordinary gains, net	$0	22
Net income	$414,000	3,411
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$79,000	1,351
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$414,000	3,390
2006-12-31 (YTD Data)		Rank
Total interest income	$7,340,000	4,439
Total interest expense	$2,399,000	4,927
Net interest income	$4,941,000	4,039
Provision for loan and lease losses	$440,000	2,115
Total noninterest income	$1,138,000	3,248
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$648,000	2,534
Trading account gains and fees	$0	130
Additional Noninterest Income	$490,000	3,374
Total noninterest expense	$4,161,000	3,872
Salaries and employee benefits	$2,351,000	3,781
Premises and equipment expense	$640,000	3,585
Additional noninterest expense	$1,170,000	4,015
Pre-tax net operating income	$1,478,000	4,320
Securities gains (losses)	$-14,000	7,418
Applicable income taxes	$276,000	3,915
Income before extraordinary items	$1,188,000	4,301
Extraordinary gains, net	$0	51
Net income	$1,188,000	4,301
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$474,000	1,220
Cash dividends	$577,000	3,520
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,199,340	4,265
2006-09-30 (YTD Data)		Rank
Total interest income	$5,371,000	4,492
Total interest expense	$1,694,000	5,012
Net interest income	$3,677,000	4,091
Provision for loan and lease losses	$360,000	1,848
Total noninterest income	$916,000	3,109
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$480,000	2,567
Trading account gains and fees	$0	126
Additional Noninterest Income	$436,000	3,071
Total noninterest expense	$2,842,000	4,135
Salaries and employee benefits	$1,530,000	4,186
Premises and equipment expense	$461,000	3,701
Additional noninterest expense	$851,000	4,083
Pre-tax net operating income	$1,391,000	3,959
Securities gains (losses)	$-14,000	7,714
Applicable income taxes	$329,000	3,454
Income before extraordinary items	$1,048,000	4,060
Extraordinary gains, net	$0	45
Net income	$1,048,000	4,063
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$354,000	1,032
Cash dividends	$507,000	2,897
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,058,640	4,023
2006-06-30 (YTD Data)		Rank
Total interest income	$3,507,000	4,498
Total interest expense	$1,059,000	5,079
Net interest income	$2,448,000	4,096
Provision for loan and lease losses	$200,000	2,096
Total noninterest income	$622,000	3,047
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$322,000	2,527
Trading account gains and fees	$0	126
Additional Noninterest Income	$300,000	3,017
Total noninterest expense	$1,800,000	4,304
Salaries and employee benefits	$934,000	4,484
Premises and equipment expense	$301,000	3,763
Additional noninterest expense	$565,000	4,096
Pre-tax net operating income	$1,070,000	3,640
Securities gains (losses)	$-14,000	7,975
Applicable income taxes	$252,000	3,295
Income before extraordinary items	$804,000	3,739
Extraordinary gains, net	$0	39
Net income	$804,000	3,742
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$308,000	821
Cash dividends	$95,000	4,451
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$814,640	3,700
2006-03-31 (YTD Data)		Rank
Total interest income	$1,710,000	4,531
Total interest expense	$503,000	5,102
Net interest income	$1,207,000	4,137
Provision for loan and lease losses	$160,000	1,352
Total noninterest income	$367,000	2,692
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$161,000	2,439
Trading account gains and fees	$0	115
Additional Noninterest Income	$206,000	2,446
Total noninterest expense	$922,000	4,239
Salaries and employee benefits	$482,000	4,395
Premises and equipment expense	$148,000	3,826
Additional noninterest expense	$292,000	3,980
Pre-tax net operating income	$492,000	3,772
Securities gains (losses)	$0	955
Applicable income taxes	$106,000	3,517
Income before extraordinary items	$386,000	3,786
Extraordinary gains, net	$0	21
Net income	$386,000	3,785
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,000	654
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$386,000	3,769
2005-12-31 (YTD Data)		Rank
Total interest income	$6,339,000	4,459
Total interest expense	$1,554,000	5,142
Net interest income	$4,785,000	4,089
Provision for loan and lease losses	$520,000	1,829
Total noninterest income	$1,010,000	3,538
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$648,000	2,501
Trading account gains and fees	$0	138
Additional Noninterest Income	$362,000	3,944
Total noninterest expense	$3,719,000	4,086
Salaries and employee benefits	$1,973,000	4,157
Premises and equipment expense	$616,000	3,578
Additional noninterest expense	$1,130,000	4,043
Pre-tax net operating income	$1,556,000	4,282
Securities gains (losses)	$-34,000	8,043
Applicable income taxes	$367,000	3,836
Income before extraordinary items	$1,155,000	4,440
Extraordinary gains, net	$0	46
Net income	$1,155,000	4,441
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$424,000	1,334
Cash dividends	$607,000	3,299
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,180,840	4,353
2005-09-30 (YTD Data)		Rank
Total interest income	$4,662,000	4,475
Total interest expense	$1,093,000	5,192
Net interest income	$3,569,000	4,100
Provision for loan and lease losses	$360,000	1,866
Total noninterest income	$763,000	3,517
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$495,000	2,468
Trading account gains and fees	$0	126
Additional Noninterest Income	$268,000	3,997
Total noninterest expense	$2,684,000	4,180
Salaries and employee benefits	$1,391,000	4,336
Premises and equipment expense	$434,000	3,740
Additional noninterest expense	$859,000	3,958
Pre-tax net operating income	$1,288,000	4,144
Securities gains (losses)	$-38,000	8,393
Applicable income taxes	$273,000	3,952
Income before extraordinary items	$977,000	4,226
Extraordinary gains, net	$0	35
Net income	$977,000	4,226
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,000	2,298
Cash dividends	$279,000	3,646
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,006,640	4,100
2005-06-30 (YTD Data)		Rank
Total interest income	$3,027,000	4,491
Total interest expense	$670,000	5,274
Net interest income	$2,357,000	4,106
Provision for loan and lease losses	$200,000	2,158
Total noninterest income	$484,000	3,605
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$329,000	2,429
Trading account gains and fees	$0	116
Additional Noninterest Income	$155,000	4,242
Total noninterest expense	$1,729,000	4,286
Salaries and employee benefits	$915,000	4,358
Premises and equipment expense	$276,000	3,862
Additional noninterest expense	$538,000	4,122
Pre-tax net operating income	$912,000	3,962
Securities gains (losses)	$-31,000	8,483
Applicable income taxes	$184,000	3,933
Income before extraordinary items	$697,000	4,002
Extraordinary gains, net	$0	30
Net income	$697,000	4,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	1,821
Cash dividends	$279,000	3,089
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$721,490	3,860
2005-03-31 (YTD Data)		Rank
Total interest income	$1,478,000	4,536
Total interest expense	$321,000	5,301
Net interest income	$1,157,000	4,186
Provision for loan and lease losses	$120,000	1,733
Total noninterest income	$227,000	3,687
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$161,000	2,413
Trading account gains and fees	$0	115
Additional Noninterest Income	$66,000	4,568
Total noninterest expense	$894,000	4,192
Salaries and employee benefits	$489,000	4,155
Premises and equipment expense	$135,000	3,965
Additional noninterest expense	$270,000	4,122
Pre-tax net operating income	$370,000	4,473
Securities gains (losses)	$-7,000	8,456
Applicable income taxes	$54,000	4,665
Income before extraordinary items	$309,000	4,285
Extraordinary gains, net	$0	24
Net income	$309,000	4,287
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	1,740
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$314,950	4,187
2004-12-31 (YTD Data)		Rank
Total interest income	$5,672,000	4,436
Total interest expense	$1,158,000	5,216
Net interest income	$4,514,000	4,111
Provision for loan and lease losses	$440,000	2,189
Total noninterest income	$1,006,000	3,521
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$676,000	2,455
Trading account gains and fees	$0	138
Additional Noninterest Income	$330,000	4,091
Total noninterest expense	$3,651,000	4,036
Salaries and employee benefits	$1,866,000	4,220
Premises and equipment expense	$585,000	3,606
Additional noninterest expense	$1,200,000	3,743
Pre-tax net operating income	$1,429,000	4,372
Securities gains (losses)	$-5,000	8,058
Applicable income taxes	$312,000	4,119
Income before extraordinary items	$1,112,000	4,404
Extraordinary gains, net	$0	34
Net income	$1,112,000	4,405
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$439,000	1,483
Cash dividends	$464,000	3,676
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,115,900	4,321
2004-09-30 (YTD Data)		Rank
Total interest income	$4,219,000	4,445
Total interest expense	$861,000	5,209
Net interest income	$3,358,000	4,127
Provision for loan and lease losses	$365,000	1,917
Total noninterest income	$785,000	3,452
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$513,000	2,438
Trading account gains and fees	$0	134
Additional Noninterest Income	$272,000	3,913
Total noninterest expense	$2,647,000	4,118
Salaries and employee benefits	$1,322,000	4,369
Premises and equipment expense	$413,000	3,783
Additional noninterest expense	$912,000	3,678
Pre-tax net operating income	$1,131,000	4,316
Securities gains (losses)	$-4,000	8,316
Applicable income taxes	$255,000	4,045
Income before extraordinary items	$872,000	4,368
Extraordinary gains, net	$0	26
Net income	$872,000	4,369
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$318,000	1,386
Cash dividends	$106,000	4,579
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$875,080	4,281
2004-06-30 (YTD Data)		Rank
Total interest income	$2,769,000	4,495
Total interest expense	$578,000	5,217
Net interest income	$2,191,000	4,195
Provision for loan and lease losses	$290,000	1,635
Total noninterest income	$544,000	3,383
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$345,000	2,427
Trading account gains and fees	$0	130
Additional Noninterest Income	$199,000	3,743
Total noninterest expense	$1,748,000	4,169
Salaries and employee benefits	$876,000	4,415
Premises and equipment expense	$262,000	3,931
Additional noninterest expense	$610,000	3,699
Pre-tax net operating income	$697,000	4,464
Securities gains (losses)	$0	3,413
Applicable income taxes	$138,000	4,383
Income before extraordinary items	$559,000	4,431
Extraordinary gains, net	$0	21
Net income	$559,000	4,432
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$291,000	1,064
Cash dividends	$105,000	4,135
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$559,000	4,348
2004-03-31 (YTD Data)		Rank
Total interest income	$1,381,000	4,533
Total interest expense	$296,000	5,202
Net interest income	$1,085,000	4,219
Provision for loan and lease losses	$145,000	1,577
Total noninterest income	$297,000	3,130
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$179,000	2,293
Trading account gains and fees	$0	121
Additional Noninterest Income	$118,000	3,377
Total noninterest expense	$929,000	3,993
Salaries and employee benefits	$487,000	4,094
Premises and equipment expense	$125,000	4,106
Additional noninterest expense	$317,000	3,581
Pre-tax net operating income	$308,000	4,750
Securities gains (losses)	$0	2,934
Applicable income taxes	$66,000	4,439
Income before extraordinary items	$242,000	4,839
Extraordinary gains, net	$0	16
Net income	$242,000	4,838
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$271,000	657
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$242,000	4,719
2003-12-31 (YTD Data)		Rank
Total interest income	$5,343,000	4,673
Total interest expense	$1,359,000	5,192
Net interest income	$3,984,000	4,382
Provision for loan and lease losses	$600,000	1,837
Total noninterest income	$977,000	3,777
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$645,000	2,538
Trading account gains and fees	$0	160
Additional Noninterest Income	$332,000	4,300
Total noninterest expense	$3,252,000	4,364
Salaries and employee benefits	$1,607,000	4,623
Premises and equipment expense	$521,000	3,945
Additional noninterest expense	$1,124,000	3,917
Pre-tax net operating income	$1,109,000	4,893
Securities gains (losses)	$48,000	2,552
Applicable income taxes	$263,000	4,478
Income before extraordinary items	$894,000	4,955
Extraordinary gains, net	$0	54
Net income	$894,000	4,955
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$591,000	1,406
Cash dividends	$281,000	4,480
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$857,040	4,903
2003-09-30 (YTD Data)		Rank
Total interest income	$3,980,000	4,749
Total interest expense	$1,052,000	5,226
Net interest income	$2,928,000	4,460
Provision for loan and lease losses	$525,000	1,587
Total noninterest income	$749,000	3,789
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$481,000	2,564
Trading account gains and fees	$0	153
Additional Noninterest Income	$268,000	4,251
Total noninterest expense	$2,327,000	4,491
Salaries and employee benefits	$1,111,000	4,870
Premises and equipment expense	$379,000	4,021
Additional noninterest expense	$837,000	3,944
Pre-tax net operating income	$825,000	5,049
Securities gains (losses)	$48,000	2,347
Applicable income taxes	$224,000	4,478
Income before extraordinary items	$649,000	5,186
Extraordinary gains, net	$0	40
Net income	$649,000	5,186
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$442,000	1,295
Cash dividends	$121,000	4,553
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$613,480	5,159
2003-06-30 (YTD Data)		Rank
Total interest income	$2,648,000	4,794
Total interest expense	$730,000	5,212
Net interest income	$1,918,000	4,516
Provision for loan and lease losses	$340,000	1,634
Total noninterest income	$496,000	3,759
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$328,000	2,477
Trading account gains and fees	$0	150
Additional Noninterest Income	$168,000	4,354
Total noninterest expense	$1,550,000	4,477
Salaries and employee benefits	$763,000	4,788
Premises and equipment expense	$240,000	4,180
Additional noninterest expense	$547,000	3,973
Pre-tax net operating income	$524,000	5,200
Securities gains (losses)	$48,000	2,051
Applicable income taxes	$152,000	4,473
Income before extraordinary items	$420,000	5,277
Extraordinary gains, net	$0	30
Net income	$420,000	5,277
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$393,000	1,006
Cash dividends	$121,000	4,069
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$384,960	5,302
2003-03-31 (YTD Data)		Rank
Total interest income	$1,322,000	4,821
Total interest expense	$373,000	5,244
Net interest income	$949,000	4,554
Provision for loan and lease losses	$250,000	1,115
Total noninterest income	$234,000	3,784
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$155,000	2,520
Trading account gains and fees	$0	134
Additional Noninterest Income	$79,000	4,363
Total noninterest expense	$753,000	4,559
Salaries and employee benefits	$349,000	5,108
Premises and equipment expense	$121,000	4,122
Additional noninterest expense	$283,000	3,827
Pre-tax net operating income	$180,000	6,085
Securities gains (losses)	$0	2,891
Applicable income taxes	$50,000	5,100
Income before extraordinary items	$130,000	6,366
Extraordinary gains, net	$0	21
Net income	$130,000	6,365
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$263,000	781
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$130,000	6,189
2002-12-31 (YTD Data)		Rank
Total interest income	$5,803,000	4,669
Total interest expense	$1,903,000	4,968
Net interest income	$3,900,000	4,428
Provision for loan and lease losses	$1,030,000	1,312
Total noninterest income	$955,000	3,581
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$661,000	2,360
Trading account gains and fees	$0	153
Additional Noninterest Income	$294,000	4,307
Total noninterest expense	$3,054,000	4,402
Salaries and employee benefits	$1,522,000	4,647
Premises and equipment expense	$529,000	3,779
Additional noninterest expense	$1,003,000	4,167
Pre-tax net operating income	$771,000	5,858
Securities gains (losses)	$117,000	1,602
Applicable income taxes	$305,000	4,416
Income before extraordinary items	$583,000	6,037
Extraordinary gains, net	$0	70
Net income	$583,000	6,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$709,000	1,263
Cash dividends	$54,000	5,926
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$505,780	6,223
2001-12-31 (YTD Data)		Rank
Total interest income	$5,862,000	5,046
Total interest expense	$2,605,000	5,267
Net interest income	$3,257,000	4,783
Provision for loan and lease losses	$810,000	1,485
Total noninterest income	$894,000	3,586
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$625,000	2,359
Trading account gains and fees	$0	177
Additional Noninterest Income	$269,000	4,345
Total noninterest expense	$2,554,000	4,890
Salaries and employee benefits	$1,290,000	5,060
Premises and equipment expense	$344,000	5,086
Additional noninterest expense	$920,000	4,333
Pre-tax net operating income	$787,000	5,527
Securities gains (losses)	$0	4,612
Applicable income taxes	$218,000	4,878
Income before extraordinary items	$569,000	5,755
Extraordinary gains, net	$0	105
Net income	$569,000	5,758
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$694,000	1,224
Cash dividends	$58,000	6,096
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$569,000	5,638
2000-12-31 (YTD Data)		Rank
Total interest income	$4,748,000	5,923
Total interest expense	$2,164,000	6,026
Net interest income	$2,584,000	5,681
Provision for loan and lease losses	$340,000	2,622
Total noninterest income	$868,000	3,479
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$569,000	2,396
Trading account gains and fees	NA	NA
Additional Noninterest Income	$299,000	3,929
Total noninterest expense	$2,083,000	5,533
Salaries and employee benefits	$1,010,000	5,874
Premises and equipment expense	$304,000	5,381
Additional noninterest expense	$769,000	4,861
Pre-tax net operating income	$1,029,000	5,182
Securities gains (losses)	$0	1,956
Applicable income taxes	$432,000	3,829
Income before extraordinary items	$597,000	5,864
Extraordinary gains, net	$0	38
Net income	$597,000	5,862
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	3,555
Cash dividends	$52,000	6,373
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$597,000	5,878
1999-12-31 (YTD Data)		Rank
Total interest income	$3,802,000	6,518
Total interest expense	$1,717,000	6,508
Net interest income	$2,085,000	6,487
Provision for loan and lease losses	$205,000	3,496
Total noninterest income	$592,000	4,464
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$430,000	3,024
Trading account gains and fees	NA	NA
Additional Noninterest Income	$162,000	5,429
Total noninterest expense	$1,959,000	5,771
Salaries and employee benefits	$952,000	6,084
Premises and equipment expense	$298,000	5,484
Additional noninterest expense	$709,000	5,201
Pre-tax net operating income	$513,000	7,084
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$229,000	5,413
Income before extraordinary items	$285,000	7,691
Extraordinary gains, net	$0	35
Net income	$285,000	7,690
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,263
Cash dividends	$54,000	6,566
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$284,360	7,675
1998-12-31 (YTD Data)		Rank
Total interest income	$3,262,000	7,218
Total interest expense	$1,399,000	7,424
Net interest income	$1,863,000	6,917
Provision for loan and lease losses	$240,000	3,065
Total noninterest income	$461,000	5,170
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$364,000	3,399
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	6,704
Total noninterest expense	$1,583,000	6,464
Salaries and employee benefits	$758,000	6,876
Premises and equipment expense	$256,000	5,883
Additional noninterest expense	$569,000	5,952
Pre-tax net operating income	$501,000	7,358
Securities gains (losses)	$14,000	2,712
Applicable income taxes	$208,000	6,105
Income before extraordinary items	$307,000	7,826
Extraordinary gains, net	$0	32
Net income	$307,000	7,825
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	3,752
Cash dividends	$56,000	6,802
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$298,040	7,823
1997-12-31 (YTD Data)		Rank
Total interest income	$2,844,000	7,946
Total interest expense	$1,200,000	8,110
Net interest income	$1,644,000	7,676
Provision for loan and lease losses	$213,000	3,308
Total noninterest income	$346,000	6,198
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$241,000	4,777
Trading account gains and fees	NA	NA
Additional Noninterest Income	$105,000	6,653
Total noninterest expense	$1,465,000	6,881
Salaries and employee benefits	$702,000	7,306
Premises and equipment expense	$244,000	6,139
Additional noninterest expense	$519,000	6,352
Pre-tax net operating income	$312,000	8,930
Securities gains (losses)	$0	3,944
Applicable income taxes	$69,000	8,921
Income before extraordinary items	$243,000	8,804
Extraordinary gains, net	$0	44
Net income	$243,000	8,809
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	2,774
Cash dividends	$54,000	7,131
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$243,000	8,762
1996-12-31 (YTD Data)		Rank
Total interest income	$2,702,000	8,420
Total interest expense	$1,131,000	8,595
Net interest income	$1,571,000	8,101
Provision for loan and lease losses	$100,000	5,070
Total noninterest income	$316,000	6,758
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$224,000	5,177
Trading account gains and fees	NA	NA
Additional Noninterest Income	$92,000	7,384
Total noninterest expense	$1,364,000	7,480
Salaries and employee benefits	$677,000	7,666
Premises and equipment expense	$231,000	6,516
Additional noninterest expense	$456,000	7,412
Pre-tax net operating income	$423,000	8,377
Securities gains (losses)	$0	4,148
Applicable income taxes	$63,000	9,453
Income before extraordinary items	$360,000	7,925
Extraordinary gains, net	$0	53
Net income	$360,000	7,925
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$172,000	2,928
Cash dividends	$54,000	7,455
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$360,000	7,864
1995-12-31 (YTD Data)		Rank
Total interest income	$2,617,000	8,780
Total interest expense	$1,062,000	9,038
Net interest income	$1,555,000	8,377
Provision for loan and lease losses	$110,000	4,388
Total noninterest income	$328,000	6,747
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$232,000	5,168
Trading account gains and fees	NA	NA
Additional Noninterest Income	$96,000	7,354
Total noninterest expense	$1,479,000	7,335
Salaries and employee benefits	$707,000	7,680
Premises and equipment expense	$165,000	7,915
Additional noninterest expense	$607,000	6,489
Pre-tax net operating income	$294,000	9,785
Securities gains (losses)	$0	3,831
Applicable income taxes	$60,000	9,978
Income before extraordinary items	$234,000	9,560
Extraordinary gains, net	$0	65
Net income	$234,000	9,565
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$162,000	2,871
Cash dividends	$54,000	7,684
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$234,000	9,541
1994-12-31 (YTD Data)		Rank
Total interest income	$2,549,000	8,825
Total interest expense	$970,000	8,827
Net interest income	$1,579,000	8,648
Provision for loan and lease losses	$278,000	2,410
Total noninterest income	$332,000	6,879
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$225,000	5,425
Trading account gains and fees	NA	NA
Additional Noninterest Income	$107,000	7,294
Total noninterest expense	$1,439,000	7,794
Salaries and employee benefits	$672,000	8,097
Premises and equipment expense	$193,000	7,590
Additional noninterest expense	$574,000	7,223
Pre-tax net operating income	$194,000	10,941
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$24,000	11,075
Income before extraordinary items	$171,000	10,597
Extraordinary gains, net	$0	249
Net income	$171,000	10,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$299,000	1,907
Cash dividends	$54,000	7,843
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$170,120	10,645
1993-12-31 (YTD Data)		Rank
Total interest income	$2,737,000	8,762
Total interest expense	$948,000	9,339
Net interest income	$1,789,000	8,275
Provision for loan and lease losses	$681,000	1,696
Total noninterest income	$310,000	7,513
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$219,000	5,619
Trading account gains and fees	NA	NA
Additional Noninterest Income	$91,000	8,188
Total noninterest expense	$1,345,000	8,354
Salaries and employee benefits	$640,000	8,474
Premises and equipment expense	$200,000	7,681
Additional noninterest expense	$505,000	8,159
Pre-tax net operating income	$73,000	12,034
Securities gains (losses)	$18,000	4,806
Applicable income taxes	$4,000	11,985
Income before extraordinary items	$87,000	11,931
Extraordinary gains, net	$0	3,149
Net income	$87,000	11,969
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$641,000	1,519
Cash dividends	$56,000	7,820
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$69,720	11,933
1992-12-31 (YTD Data)		Rank
Total interest income	$3,114,000	8,777
Total interest expense	$1,145,000	9,809
Net interest income	$1,969,000	7,841
Provision for loan and lease losses	$775,000	2,197
Total noninterest income	$294,000	7,818
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$189,000	6,208
Trading account gains and fees	NA	NA
Additional Noninterest Income	$105,000	7,891
Total noninterest expense	$1,234,000	8,902
Salaries and employee benefits	$556,000	9,219
Premises and equipment expense	$195,000	7,943
Additional noninterest expense	$483,000	8,623
Pre-tax net operating income	$254,000	10,568
Securities gains (losses)	$0	8,369
Applicable income taxes	$47,000	11,335
Income before extraordinary items	$207,000	10,504
Extraordinary gains, net	$0	1,422
Net income	$207,000	10,645
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$687,000	2,002
Cash dividends	$56,000	7,543
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$207,000	10,163

* 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.