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Highpoint Community Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$21,628,000	1,783
Total interest expense	$4,650,000	2,106
Net interest income	$16,978,000	1,645
Provision for loan and lease losses	$321,000	1,600
Total noninterest income	$2,897,000	1,666
Gross Fiduciary activities income	$691,000	556
Service charges on deposit accounts	$670,000	1,362
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,536,000	1,859
Total noninterest expense	$13,873,000	1,629
Salaries and employee benefits	$7,929,000	1,620
Premises and equipment expense	$1,492,000	1,545
Additional noninterest expense	$1,536,000	1,859
Pre-tax net operating income	$5,681,000	1,782
Securities gains (losses)	$16,000	686
Applicable income taxes	$609,000	1,771
Income before extraordinary items	$5,088,000	1,703
Extraordinary gains, net	$0	54
Net income	$5,088,000	1,724
Minority interest net income	$0	88
Net income of bank and minority interests.	$5,088,000	1,706
Net charge-offs	$-7,000	3,780
Cash dividends	$1,194,000	2,015
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$5,073,760	1,732
2023-09-30 (YTD Data)		Rank
Total interest income	$15,354,000	1,825
Total interest expense	$2,850,000	2,215
Net interest income	$12,504,000	1,676
Provision for loan and lease losses	$491,000	1,020
Total noninterest income	$2,071,000	1,704
Gross Fiduciary activities income	$430,000	579
Service charges on deposit accounts	$494,000	1,387
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,147,000	1,853
Total noninterest expense	$10,127,000	1,656
Salaries and employee benefits	$5,695,000	1,670
Premises and equipment expense	$1,126,000	1,541
Additional noninterest expense	$1,147,000	1,853
Pre-tax net operating income	$3,957,000	1,916
Securities gains (losses)	$16,000	507
Applicable income taxes	$380,000	1,947
Income before extraordinary items	$3,593,000	1,844
Extraordinary gains, net	$0	52
Net income	$3,593,000	1,861
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,593,000	1,844
Net charge-offs	$-5,000	3,673
Cash dividends	$704,000	1,985
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$3,578,600	1,875
2023-06-30 (YTD Data)		Rank
Total interest income	$9,670,000	1,874
Total interest expense	$1,320,000	2,511
Net interest income	$8,350,000	1,695
Provision for loan and lease losses	$425,000	857
Total noninterest income	$1,366,000	1,648
Gross Fiduciary activities income	$287,000	572
Service charges on deposit accounts	$325,000	1,378
Trading account gains and fees	NA	NA
Additional Noninterest Income	$754,000	1,809
Total noninterest expense	$6,711,000	1,652
Salaries and employee benefits	$3,778,000	1,668
Premises and equipment expense	$770,000	1,501
Additional noninterest expense	$754,000	1,807
Pre-tax net operating income	$2,580,000	1,920
Securities gains (losses)	$16,000	492
Applicable income taxes	$229,000	2,045
Income before extraordinary items	$2,367,000	1,846
Extraordinary gains, net	$0	51
Net income	$2,367,000	1,866
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,367,000	1,846
Net charge-offs	$-5,000	3,722
Cash dividends	$467,000	2,017
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,352,440	1,862
2023-03-31 (YTD Data)		Rank
Total interest income	$4,154,000	2,058
Total interest expense	$380,000	2,925
Net interest income	$3,774,000	1,829
Provision for loan and lease losses	$244,000	786
Total noninterest income	$661,000	1,676
Gross Fiduciary activities income	$143,000	594
Service charges on deposit accounts	$157,000	1,431
Trading account gains and fees	NA	NA
Additional Noninterest Income	$361,000	1,845
Total noninterest expense	$3,291,000	1,695
Salaries and employee benefits	$1,892,000	1,696
Premises and equipment expense	$368,000	1,585
Additional noninterest expense	$361,000	1,845
Pre-tax net operating income	$900,000	2,432
Securities gains (losses)	$17,000	469
Applicable income taxes	$29,000	2,815
Income before extraordinary items	$888,000	2,251
Extraordinary gains, net	$0	4
Net income	$888,000	2,251
Minority interest net income	$0	48
Net income of bank and minority interests.	$888,000	2,251
Net charge-offs	$-4,000	3,763
Cash dividends	$230,000	1,734
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$871,510	2,311
2022-12-31 (YTD Data)		Rank
Total interest income	$14,005,000	2,055
Total interest expense	$1,104,000	2,280
Net interest income	$12,901,000	2,007
Provision for loan and lease losses	$70,000	2,400
Total noninterest income	$2,751,000	1,723
Gross Fiduciary activities income	$621,000	591
Service charges on deposit accounts	$595,000	1,508
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,535,000	1,880
Total noninterest expense	$12,244,000	1,751
Salaries and employee benefits	$6,896,000	1,768
Premises and equipment expense	$1,489,000	1,542
Additional noninterest expense	$1,535,000	1,880
Pre-tax net operating income	$3,338,000	2,522
Securities gains (losses)	$0	691
Applicable income taxes	$210,000	2,609
Income before extraordinary items	$3,128,000	2,400
Extraordinary gains, net	$0	5
Net income	$3,128,000	2,398
Minority interest net income	$0	63
Net income of bank and minority interests.	$3,128,000	2,399
Net charge-offs	$-8,000	3,595
Cash dividends	$1,015,000	2,129
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$3,128,000	2,429
2022-09-30 (YTD Data)		Rank
Total interest income	$9,901,000	2,080
Total interest expense	$737,000	2,142
Net interest income	$9,164,000	2,060
Provision for loan and lease losses	$70,000	2,104
Total noninterest income	$2,119,000	1,713
Gross Fiduciary activities income	$457,000	591
Service charges on deposit accounts	$433,000	1,545
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,229,000	1,847
Total noninterest expense	$8,963,000	1,776
Salaries and employee benefits	$5,012,000	1,801
Premises and equipment expense	$1,111,000	1,549
Additional noninterest expense	$1,229,000	1,847
Pre-tax net operating income	$2,250,000	2,650
Securities gains (losses)	$0	740
Applicable income taxes	$129,000	2,725
Income before extraordinary items	$2,121,000	2,515
Extraordinary gains, net	$0	4
Net income	$2,121,000	2,513
Minority interest net income	$0	57
Net income of bank and minority interests.	$2,121,000	2,514
Net charge-offs	$-5,000	3,411
Cash dividends	$643,000	2,005
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$2,121,000	2,549
2022-06-30 (YTD Data)		Rank
Total interest income	$6,205,000	2,132
Total interest expense	$481,000	2,010
Net interest income	$5,724,000	2,111
Provision for loan and lease losses	$30,000	2,075
Total noninterest income	$1,384,000	1,729
Gross Fiduciary activities income	$281,000	561
Service charges on deposit accounts	$271,000	1,596
Trading account gains and fees	NA	NA
Additional Noninterest Income	$832,000	1,866
Total noninterest expense	$5,864,000	1,784
Salaries and employee benefits	$3,249,000	1,839
Premises and equipment expense	$737,000	1,569
Additional noninterest expense	$1,878,000	1,681
Pre-tax net operating income	$1,214,000	2,791
Securities gains (losses)	$0	687
Applicable income taxes	$38,000	3,047
Income before extraordinary items	$1,176,000	2,646
Extraordinary gains, net	$0	4
Net income	$1,176,000	2,644
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,176,000	2,646
Net charge-offs	$-2,000	3,158
Cash dividends	$426,000	2,001
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,176,000	2,682
2022-03-31 (YTD Data)		Rank
Total interest income	$3,322,000	1,971
Total interest expense	$242,000	1,958
Net interest income	$3,080,000	1,953
Provision for loan and lease losses	$15,000	1,841
Total noninterest income	$689,000	1,739
Gross Fiduciary activities income	$142,000	574
Service charges on deposit accounts	$134,000	1,606
Trading account gains and fees	NA	NA
Additional Noninterest Income	$413,000	1,882
Total noninterest expense	$2,860,000	1,812
Salaries and employee benefits	$1,550,000	1,891
Premises and equipment expense	$380,000	1,542
Additional noninterest expense	$930,000	1,667
Pre-tax net operating income	$894,000	2,253
Securities gains (losses)	$0	623
Applicable income taxes	$81,000	2,209
Income before extraordinary items	$813,000	2,173
Extraordinary gains, net	$0	4
Net income	$813,000	2,173
Minority interest net income	$0	50
Net income of bank and minority interests.	$813,000	2,173
Net charge-offs	$-4,000	3,570
Cash dividends	$216,000	1,693
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$813,000	2,193
2021-12-31 (YTD Data)		Rank
Total interest income	$12,227,000	2,177
Total interest expense	$1,082,000	2,105
Net interest income	$11,145,000	2,157
Provision for loan and lease losses	$150,000	1,910
Total noninterest income	$3,070,000	1,777
Gross Fiduciary activities income	$550,000	562
Service charges on deposit accounts	$523,000	1,557
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,997,000	1,908
Total noninterest expense	$11,482,000	1,793
Salaries and employee benefits	$6,407,000	1,838
Premises and equipment expense	$1,410,000	1,598
Additional noninterest expense	$3,665,000	1,691
Pre-tax net operating income	$2,583,000	2,865
Securities gains (losses)	$-1,000	4,253
Applicable income taxes	$154,000	2,844
Income before extraordinary items	$2,428,000	2,786
Extraordinary gains, net	$0	10
Net income	$2,428,000	2,787
Minority interest net income	$0	74
Net income of bank and minority interests.	$2,428,000	2,787
Net charge-offs	$3,000	2,526
Cash dividends	$1,799,000	1,645
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$2,428,940	2,766
2021-09-30 (YTD Data)		Rank
Total interest income	$9,312,000	2,186
Total interest expense	$836,000	2,145
Net interest income	$8,476,000	2,160
Provision for loan and lease losses	$120,000	1,843
Total noninterest income	$2,264,000	1,844
Gross Fiduciary activities income	$341,000	580
Service charges on deposit accounts	$390,000	1,553
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,533,000	1,931
Total noninterest expense	$8,485,000	1,818
Salaries and employee benefits	$4,706,000	1,873
Premises and equipment expense	$1,063,000	1,611
Additional noninterest expense	$2,716,000	1,707
Pre-tax net operating income	$2,135,000	2,863
Securities gains (losses)	$-1,000	4,431
Applicable income taxes	$165,000	2,681
Income before extraordinary items	$1,969,000	2,820
Extraordinary gains, net	$0	8
Net income	$1,969,000	2,820
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,969,000	2,820
Net charge-offs	$8,000	2,039
Cash dividends	$1,485,000	1,419
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$1,969,920	2,797
2021-06-30 (YTD Data)		Rank
Total interest income	$6,218,000	2,177
Total interest expense	$577,000	2,154
Net interest income	$5,641,000	2,145
Provision for loan and lease losses	$90,000	1,757
Total noninterest income	$1,553,000	1,769
Gross Fiduciary activities income	$214,000	593
Service charges on deposit accounts	$249,000	1,560
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,090,000	1,824
Total noninterest expense	$5,551,000	1,831
Salaries and employee benefits	$3,045,000	1,905
Premises and equipment expense	$706,000	1,623
Additional noninterest expense	$1,800,000	1,693
Pre-tax net operating income	$1,553,000	2,729
Securities gains (losses)	$0	1,818
Applicable income taxes	$138,000	2,549
Income before extraordinary items	$1,415,000	2,713
Extraordinary gains, net	$0	6
Net income	$1,415,000	2,712
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,415,000	2,713
Net charge-offs	$-4,000	3,475
Cash dividends	$440,000	2,074
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,415,000	2,685
2021-03-31 (YTD Data)		Rank
Total interest income	$2,999,000	2,218
Total interest expense	$300,000	2,181
Net interest income	$2,699,000	2,194
Provision for loan and lease losses	$60,000	1,591
Total noninterest income	$842,000	1,689
Gross Fiduciary activities income	$113,000	590
Service charges on deposit accounts	$126,000	1,535
Trading account gains and fees	NA	NA
Additional Noninterest Income	$603,000	1,725
Total noninterest expense	$2,741,000	1,838
Salaries and employee benefits	$1,516,000	1,891
Premises and equipment expense	$361,000	1,606
Additional noninterest expense	$864,000	1,731
Pre-tax net operating income	$740,000	2,765
Securities gains (losses)	$0	1,392
Applicable income taxes	$62,000	2,581
Income before extraordinary items	$678,000	2,738
Extraordinary gains, net	$0	3
Net income	$678,000	2,736
Minority interest net income	$0	55
Net income of bank and minority interests.	$678,000	2,738
Net charge-offs	$-3,000	3,553
Cash dividends	$223,000	1,756
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$678,000	2,701
2020-12-31 (YTD Data)		Rank
Total interest income	$12,279,000	2,202
Total interest expense	$1,238,000	2,643
Net interest income	$11,041,000	2,088
Provision for loan and lease losses	$610,000	2,039
Total noninterest income	$3,421,000	1,603
Gross Fiduciary activities income	$489,000	573
Service charges on deposit accounts	$575,000	1,467
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,357,000	1,644
Total noninterest expense	$10,932,000	1,828
Salaries and employee benefits	$6,126,000	1,880
Premises and equipment expense	$1,473,000	1,533
Additional noninterest expense	$3,333,000	1,772
Pre-tax net operating income	$2,920,000	2,459
Securities gains (losses)	$3,000	2,512
Applicable income taxes	$161,000	2,684
Income before extraordinary items	$2,762,000	2,413
Extraordinary gains, net	$0	4
Net income	$2,762,000	2,413
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,762,000	2,413
Net charge-offs	$-9,000	4,232
Cash dividends	$961,000	2,266
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$2,759,180	2,358
2020-09-30 (YTD Data)		Rank
Total interest income	$8,902,000	2,276
Total interest expense	$932,000	2,710
Net interest income	$7,970,000	2,150
Provision for loan and lease losses	$445,000	2,067
Total noninterest income	$2,129,000	1,746
Gross Fiduciary activities income	$327,000	585
Service charges on deposit accounts	$436,000	1,453
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,366,000	1,841
Total noninterest expense	$7,736,000	1,893
Salaries and employee benefits	$4,349,000	1,918
Premises and equipment expense	$1,066,000	1,580
Additional noninterest expense	$2,321,000	1,855
Pre-tax net operating income	$1,918,000	2,642
Securities gains (losses)	$0	2,494
Applicable income taxes	$123,000	2,675
Income before extraordinary items	$1,795,000	2,600
Extraordinary gains, net	$0	4
Net income	$1,795,000	2,600
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,795,000	2,600
Net charge-offs	$-5,000	4,085
Cash dividends	$595,000	2,166
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,795,000	2,552
2020-06-30 (YTD Data)		Rank
Total interest income	$5,932,000	2,310
Total interest expense	$631,000	2,788
Net interest income	$5,301,000	2,164
Provision for loan and lease losses	$280,000	2,125
Total noninterest income	$1,275,000	1,773
Gross Fiduciary activities income	$221,000	588
Service charges on deposit accounts	$282,000	1,509
Trading account gains and fees	NA	NA
Additional Noninterest Income	$772,000	1,938
Total noninterest expense	$5,128,000	1,901
Salaries and employee benefits	$2,895,000	1,928
Premises and equipment expense	$710,000	1,577
Additional noninterest expense	$1,523,000	1,859
Pre-tax net operating income	$1,168,000	2,732
Securities gains (losses)	$0	2,249
Applicable income taxes	$57,000	2,838
Income before extraordinary items	$1,111,000	2,661
Extraordinary gains, net	$0	4
Net income	$1,111,000	2,660
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,111,000	2,661
Net charge-offs	$-4,000	4,068
Cash dividends	$399,000	2,198
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,111,000	2,614
2020-03-31 (YTD Data)		Rank
Total interest income	$2,880,000	2,331
Total interest expense	$330,000	2,870
Net interest income	$2,550,000	2,196
Provision for loan and lease losses	$40,000	2,710
Total noninterest income	$607,000	1,742
Gross Fiduciary activities income	$123,000	578
Service charges on deposit accounts	$165,000	1,528
Trading account gains and fees	NA	NA
Additional Noninterest Income	$319,000	1,942
Total noninterest expense	$2,549,000	1,918
Salaries and employee benefits	$1,406,000	1,981
Premises and equipment expense	$362,000	1,578
Additional noninterest expense	$781,000	1,862
Pre-tax net operating income	$568,000	2,620
Securities gains (losses)	$0	1,705
Applicable income taxes	$26,000	2,766
Income before extraordinary items	$542,000	2,540
Extraordinary gains, net	$0	4
Net income	$542,000	2,540
Minority interest net income	$0	56
Net income of bank and minority interests.	$542,000	2,541
Net charge-offs	$2,000	2,313
Cash dividends	$196,000	1,965
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$542,000	2,510
2019-12-31 (YTD Data)		Rank
Total interest income	$11,489,000	2,361
Total interest expense	$1,161,000	3,098
Net interest income	$10,328,000	2,178
Provision for loan and lease losses	$65,000	3,212
Total noninterest income	$2,700,000	1,673
Gross Fiduciary activities income	$532,000	570
Service charges on deposit accounts	$757,000	1,410
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,411,000	1,863
Total noninterest expense	$10,545,000	1,841
Salaries and employee benefits	$5,703,000	1,919
Premises and equipment expense	$1,364,000	1,623
Additional noninterest expense	$3,478,000	1,681
Pre-tax net operating income	$2,418,000	2,788
Securities gains (losses)	$-3,000	4,646
Applicable income taxes	$85,000	3,095
Income before extraordinary items	$2,330,000	2,673
Extraordinary gains, net	$0	11
Net income	$2,330,000	2,673
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,330,000	2,675
Net charge-offs	$25,000	3,025
Cash dividends	$869,000	2,501
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,332,880	2,644
2019-09-30 (YTD Data)		Rank
Total interest income	$8,570,000	2,399
Total interest expense	$827,000	3,189
Net interest income	$7,743,000	2,211
Provision for loan and lease losses	$50,000	3,073
Total noninterest income	$2,001,000	1,677
Gross Fiduciary activities income	$391,000	573
Service charges on deposit accounts	$564,000	1,419
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,046,000	1,869
Total noninterest expense	$7,929,000	1,844
Salaries and employee benefits	$4,247,000	1,935
Premises and equipment expense	$1,050,000	1,600
Additional noninterest expense	$2,632,000	1,671
Pre-tax net operating income	$1,765,000	2,902
Securities gains (losses)	$0	2,167
Applicable income taxes	$52,000	3,244
Income before extraordinary items	$1,713,000	2,763
Extraordinary gains, net	$0	11
Net income	$1,713,000	2,764
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,713,000	2,764
Net charge-offs	$15,000	2,825
Cash dividends	$575,000	2,366
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,713,000	2,732
2019-06-30 (YTD Data)		Rank
Total interest income	$5,717,000	2,400
Total interest expense	$522,000	3,252
Net interest income	$5,195,000	2,197
Provision for loan and lease losses	$35,000	2,987
Total noninterest income	$1,312,000	1,659
Gross Fiduciary activities income	$227,000	589
Service charges on deposit accounts	$374,000	1,405
Trading account gains and fees	NA	NA
Additional Noninterest Income	$711,000	1,824
Total noninterest expense	$5,329,000	1,822
Salaries and employee benefits	$2,792,000	1,959
Premises and equipment expense	$711,000	1,590
Additional noninterest expense	$1,826,000	1,627
Pre-tax net operating income	$1,143,000	2,912
Securities gains (losses)	$0	1,702
Applicable income taxes	$24,000	3,386
Income before extraordinary items	$1,119,000	2,782
Extraordinary gains, net	$0	11
Net income	$1,119,000	2,781
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,119,000	2,781
Net charge-offs	$7,000	2,725
Cash dividends	$379,000	2,398
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,119,000	2,761
2019-03-31 (YTD Data)		Rank
Total interest income	$2,860,000	2,394
Total interest expense	$226,000	3,435
Net interest income	$2,634,000	2,180
Provision for loan and lease losses	$20,000	2,754
Total noninterest income	$629,000	1,675
Gross Fiduciary activities income	$125,000	587
Service charges on deposit accounts	$182,000	1,429
Trading account gains and fees	NA	NA
Additional Noninterest Income	$322,000	1,892
Total noninterest expense	$2,694,000	1,810
Salaries and employee benefits	$1,380,000	1,992
Premises and equipment expense	$369,000	1,560
Additional noninterest expense	$945,000	1,581
Pre-tax net operating income	$549,000	2,943
Securities gains (losses)	$0	1,087
Applicable income taxes	$7,000	3,483
Income before extraordinary items	$542,000	2,780
Extraordinary gains, net	$0	5
Net income	$542,000	2,780
Minority interest net income	$0	52
Net income of bank and minority interests.	$542,000	2,779
Net charge-offs	$-1,000	3,818
Cash dividends	$183,000	2,089
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$542,000	2,767
2018-12-31 (YTD Data)		Rank
Total interest income	$10,942,000	2,374
Total interest expense	$816,000	3,233
Net interest income	$10,126,000	2,227
Provision for loan and lease losses	$60,000	3,354
Total noninterest income	$2,687,000	1,665
Gross Fiduciary activities income	$506,000	590
Service charges on deposit accounts	$794,000	1,382
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,387,000	1,884
Total noninterest expense	$10,277,000	1,861
Salaries and employee benefits	$5,629,000	1,904
Premises and equipment expense	$1,287,000	1,710
Additional noninterest expense	$3,361,000	1,736
Pre-tax net operating income	$2,476,000	2,796
Securities gains (losses)	$-12,000	4,464
Applicable income taxes	$245,000	2,548
Income before extraordinary items	$2,219,000	2,773
Extraordinary gains, net	$0	6
Net income	$2,219,000	2,771
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,219,000	2,772
Net charge-offs	$166,000	1,791
Cash dividends	$818,000	2,434
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,229,800	2,759
2018-09-30 (YTD Data)		Rank
Total interest income	$8,123,000	2,384
Total interest expense	$597,000	3,201
Net interest income	$7,526,000	2,249
Provision for loan and lease losses	$45,000	3,238
Total noninterest income	$1,989,000	1,696
Gross Fiduciary activities income	$352,000	600
Service charges on deposit accounts	$599,000	1,380
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,038,000	1,899
Total noninterest expense	$7,737,000	1,846
Salaries and employee benefits	$4,188,000	1,914
Premises and equipment expense	$993,000	1,692
Additional noninterest expense	$2,556,000	1,710
Pre-tax net operating income	$1,733,000	2,972
Securities gains (losses)	$0	1,118
Applicable income taxes	$148,000	2,757
Income before extraordinary items	$1,585,000	2,901
Extraordinary gains, net	$0	5
Net income	$1,585,000	2,901
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,585,000	2,901
Net charge-offs	$24,000	2,616
Cash dividends	$507,000	2,340
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,585,000	2,887
2018-06-30 (YTD Data)		Rank
Total interest income	$5,365,000	2,387
Total interest expense	$388,000	3,173
Net interest income	$4,977,000	2,255
Provision for loan and lease losses	$30,000	3,103
Total noninterest income	$1,337,000	1,684
Gross Fiduciary activities income	$251,000	599
Service charges on deposit accounts	$391,000	1,402
Trading account gains and fees	NA	NA
Additional Noninterest Income	$695,000	1,881
Total noninterest expense	$5,121,000	1,875
Salaries and employee benefits	$2,759,000	1,943
Premises and equipment expense	$669,000	1,691
Additional noninterest expense	$1,693,000	1,733
Pre-tax net operating income	$1,163,000	2,929
Securities gains (losses)	$0	961
Applicable income taxes	$75,000	2,905
Income before extraordinary items	$1,088,000	2,829
Extraordinary gains, net	$0	6
Net income	$1,088,000	2,829
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,088,000	2,828
Net charge-offs	$25,000	2,124
Cash dividends	$325,000	2,399
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,088,000	2,822
2018-03-31 (YTD Data)		Rank
Total interest income	$2,660,000	2,395
Total interest expense	$188,000	3,181
Net interest income	$2,472,000	2,266
Provision for loan and lease losses	$15,000	2,913
Total noninterest income	$626,000	1,754
Gross Fiduciary activities income	$94,000	630
Service charges on deposit accounts	$198,000	1,398
Trading account gains and fees	NA	NA
Additional Noninterest Income	$334,000	1,890
Total noninterest expense	$2,594,000	1,875
Salaries and employee benefits	$1,369,000	1,980
Premises and equipment expense	$350,000	1,646
Additional noninterest expense	$875,000	1,681
Pre-tax net operating income	$489,000	3,128
Securities gains (losses)	$0	735
Applicable income taxes	$20,000	3,243
Income before extraordinary items	$469,000	3,005
Extraordinary gains, net	$0	7
Net income	$469,000	3,006
Minority interest net income	$0	52
Net income of bank and minority interests.	$469,000	3,006
Net charge-offs	$25,000	1,552
Cash dividends	$162,000	2,049
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$469,000	2,996
2017-12-31 (YTD Data)		Rank
Total interest income	$9,986,000	2,452
Total interest expense	$588,000	3,417
Net interest income	$9,398,000	2,317
Provision for loan and lease losses	$95,000	3,127
Total noninterest income	$2,688,000	1,701
Gross Fiduciary activities income	$469,000	605
Service charges on deposit accounts	$775,000	1,450
Trading account gains and fees	$0	151
Additional Noninterest Income	$1,444,000	1,863
Total noninterest expense	$9,684,000	1,961
Salaries and employee benefits	$5,455,000	1,956
Premises and equipment expense	$1,228,000	1,811
Additional noninterest expense	$3,001,000	1,930
Pre-tax net operating income	$2,307,000	2,882
Securities gains (losses)	$24,000	1,258
Applicable income taxes	$202,000	2,968
Income before extraordinary items	$2,129,000	2,586
Extraordinary gains, net	$0	9
Net income	$2,129,000	2,586
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,129,000	2,586
Net charge-offs	$6,000	3,826
Cash dividends	$819,000	2,428
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,107,160	2,578
2017-09-30 (YTD Data)		Rank
Total interest income	$7,399,000	2,480
Total interest expense	$432,000	3,455
Net interest income	$6,967,000	2,353
Provision for loan and lease losses	$80,000	2,896
Total noninterest income	$2,036,000	1,699
Gross Fiduciary activities income	$358,000	603
Service charges on deposit accounts	$579,000	1,466
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,099,000	1,870
Total noninterest expense	$7,255,000	1,952
Salaries and employee benefits	$4,080,000	1,970
Premises and equipment expense	$926,000	1,816
Additional noninterest expense	$2,249,000	1,936
Pre-tax net operating income	$1,668,000	2,987
Securities gains (losses)	$24,000	1,242
Applicable income taxes	$155,000	2,923
Income before extraordinary items	$1,537,000	2,819
Extraordinary gains, net	$0	9
Net income	$1,537,000	2,818
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,537,000	2,819
Net charge-offs	$7,000	3,377
Cash dividends	$535,000	2,331
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,515,160	2,825
2017-06-30 (YTD Data)		Rank
Total interest income	$4,890,000	2,481
Total interest expense	$287,000	3,445
Net interest income	$4,603,000	2,364
Provision for loan and lease losses	$50,000	2,834
Total noninterest income	$1,278,000	1,761
Gross Fiduciary activities income	$172,000	648
Service charges on deposit accounts	$390,000	1,442
Trading account gains and fees	$0	139
Additional Noninterest Income	$716,000	1,906
Total noninterest expense	$4,827,000	1,961
Salaries and employee benefits	$2,706,000	1,978
Premises and equipment expense	$608,000	1,852
Additional noninterest expense	$1,513,000	1,931
Pre-tax net operating income	$1,004,000	3,116
Securities gains (losses)	$22,000	955
Applicable income taxes	$65,000	3,177
Income before extraordinary items	$961,000	2,878
Extraordinary gains, net	$0	11
Net income	$961,000	2,878
Minority interest net income	$0	71
Net income of bank and minority interests.	$961,000	2,878
Net charge-offs	$-3,000	4,411
Cash dividends	$359,000	2,335
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$940,320	2,888
2017-03-31 (YTD Data)		Rank
Total interest income	$2,372,000	2,531
Total interest expense	$132,000	3,571
Net interest income	$2,240,000	2,413
Provision for loan and lease losses	$15,000	2,918
Total noninterest income	$603,000	1,815
Gross Fiduciary activities income	$86,000	660
Service charges on deposit accounts	$177,000	1,551
Trading account gains and fees	$0	142
Additional Noninterest Income	$340,000	1,935
Total noninterest expense	$2,402,000	1,996
Salaries and employee benefits	$1,319,000	2,052
Premises and equipment expense	$316,000	1,812
Additional noninterest expense	$767,000	1,902
Pre-tax net operating income	$426,000	3,337
Securities gains (losses)	$16,000	558
Applicable income taxes	$0	4,086
Income before extraordinary items	$442,000	2,963
Extraordinary gains, net	$0	8
Net income	$442,000	2,963
Minority interest net income	$0	55
Net income of bank and minority interests.	$442,000	2,963
Net charge-offs	$-1,000	3,990
Cash dividends	$183,000	2,021
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$426,000	2,998
2016-12-31 (YTD Data)		Rank
Total interest income	$9,337,000	2,546
Total interest expense	$573,000	3,399
Net interest income	$8,764,000	2,438
Provision for loan and lease losses	$60,000	3,507
Total noninterest income	$2,740,000	1,750
Gross Fiduciary activities income	$375,000	649
Service charges on deposit accounts	$797,000	1,444
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,568,000	1,826
Total noninterest expense	$9,465,000	2,005
Salaries and employee benefits	$5,224,000	2,031
Premises and equipment expense	$1,215,000	1,841
Additional noninterest expense	$3,026,000	1,971
Pre-tax net operating income	$1,979,000	3,078
Securities gains (losses)	$44,000	1,919
Applicable income taxes	$180,000	2,993
Income before extraordinary items	$1,843,000	2,929
Extraordinary gains, net	$0	5
Net income	$1,843,000	2,928
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,843,000	2,928
Net charge-offs	$219,000	1,841
Cash dividends	$731,000	2,547
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,802,960	2,924
2016-09-30 (YTD Data)		Rank
Total interest income	$6,945,000	2,579
Total interest expense	$433,000	3,410
Net interest income	$6,512,000	2,456
Provision for loan and lease losses	$38,000	3,556
Total noninterest income	$2,011,000	1,770
Gross Fiduciary activities income	$265,000	653
Service charges on deposit accounts	$596,000	1,442
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,150,000	1,868
Total noninterest expense	$7,066,000	2,013
Salaries and employee benefits	$3,876,000	2,034
Premises and equipment expense	$916,000	1,845
Additional noninterest expense	$2,274,000	1,949
Pre-tax net operating income	$1,419,000	3,190
Securities gains (losses)	$44,000	1,850
Applicable income taxes	$120,000	3,117
Income before extraordinary items	$1,343,000	2,997
Extraordinary gains, net	$0	5
Net income	$1,343,000	2,997
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,343,000	2,997
Net charge-offs	$94,000	2,112
Cash dividends	$487,000	2,439
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,302,520	3,001
2016-06-30 (YTD Data)		Rank
Total interest income	$4,634,000	2,579
Total interest expense	$290,000	3,412
Net interest income	$4,344,000	2,463
Provision for loan and lease losses	$29,000	3,378
Total noninterest income	$1,303,000	1,793
Gross Fiduciary activities income	$169,000	668
Service charges on deposit accounts	$386,000	1,474
Trading account gains and fees	$0	157
Additional Noninterest Income	$748,000	1,874
Total noninterest expense	$4,681,000	2,032
Salaries and employee benefits	$2,570,000	2,048
Premises and equipment expense	$613,000	1,834
Additional noninterest expense	$1,498,000	1,971
Pre-tax net operating income	$937,000	3,199
Securities gains (losses)	$0	2,835
Applicable income taxes	$60,000	3,285
Income before extraordinary items	$877,000	3,009
Extraordinary gains, net	$0	16
Net income	$877,000	3,007
Minority interest net income	$0	71
Net income of bank and minority interests.	$877,000	3,008
Net charge-offs	$87,000	1,747
Cash dividends	$332,000	2,418
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$877,000	2,954
2016-03-31 (YTD Data)		Rank
Total interest income	$2,333,000	2,558
Total interest expense	$145,000	3,443
Net interest income	$2,188,000	2,455
Provision for loan and lease losses	$20,000	2,874
Total noninterest income	$618,000	1,806
Gross Fiduciary activities income	$85,000	665
Service charges on deposit accounts	$199,000	1,429
Trading account gains and fees	$0	142
Additional Noninterest Income	$334,000	1,970
Total noninterest expense	$2,317,000	2,053
Salaries and employee benefits	$1,275,000	2,071
Premises and equipment expense	$310,000	1,825
Additional noninterest expense	$732,000	1,992
Pre-tax net operating income	$469,000	3,148
Securities gains (losses)	$0	2,077
Applicable income taxes	$30,000	3,275
Income before extraordinary items	$439,000	2,957
Extraordinary gains, net	$0	12
Net income	$439,000	2,956
Minority interest net income	$0	62
Net income of bank and minority interests.	$439,000	2,957
Net charge-offs	$4,000	2,652
Cash dividends	$169,000	2,072
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$439,000	2,902
2015-12-31 (YTD Data)		Rank
Total interest income	$8,917,000	2,620
Total interest expense	$605,000	3,374
Net interest income	$8,312,000	2,509
Provision for loan and lease losses	$0	4,380
Total noninterest income	$2,670,000	1,737
Gross Fiduciary activities income	$409,000	641
Service charges on deposit accounts	$808,000	1,464
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,453,000	1,896
Total noninterest expense	$8,996,000	2,092
Salaries and employee benefits	$4,871,000	2,099
Premises and equipment expense	$1,253,000	1,816
Additional noninterest expense	$2,872,000	2,087
Pre-tax net operating income	$1,986,000	3,022
Securities gains (losses)	$7,000	2,729
Applicable income taxes	$210,000	2,907
Income before extraordinary items	$1,783,000	2,926
Extraordinary gains, net	$0	23
Net income	$1,783,000	2,928
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,783,000	2,928
Net charge-offs	$171,000	2,138
Cash dividends	$692,000	2,580
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,776,770	2,891
2015-09-30 (YTD Data)		Rank
Total interest income	$6,650,000	2,645
Total interest expense	$465,000	3,361
Net interest income	$6,185,000	2,538
Provision for loan and lease losses	$0	4,232
Total noninterest income	$1,996,000	1,761
Gross Fiduciary activities income	$309,000	643
Service charges on deposit accounts	$607,000	1,474
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,080,000	1,923
Total noninterest expense	$6,712,000	2,097
Salaries and employee benefits	$3,626,000	2,118
Premises and equipment expense	$945,000	1,822
Additional noninterest expense	$2,141,000	2,082
Pre-tax net operating income	$1,469,000	3,113
Securities gains (losses)	$7,000	2,511
Applicable income taxes	$155,000	2,995
Income before extraordinary items	$1,321,000	3,013
Extraordinary gains, net	$0	21
Net income	$1,321,000	3,013
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,321,000	3,014
Net charge-offs	$120,000	1,991
Cash dividends	$494,000	2,359
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,314,770	2,971
2015-06-30 (YTD Data)		Rank
Total interest income	$4,419,000	2,653
Total interest expense	$311,000	3,385
Net interest income	$4,108,000	2,548
Provision for loan and lease losses	$0	4,069
Total noninterest income	$1,311,000	1,787
Gross Fiduciary activities income	$199,000	659
Service charges on deposit accounts	$405,000	1,455
Trading account gains and fees	$0	157
Additional Noninterest Income	$707,000	1,952
Total noninterest expense	$4,439,000	2,124
Salaries and employee benefits	$2,399,000	2,148
Premises and equipment expense	$624,000	1,848
Additional noninterest expense	$1,416,000	2,099
Pre-tax net operating income	$980,000	3,101
Securities gains (losses)	$-1,000	5,919
Applicable income taxes	$100,000	3,029
Income before extraordinary items	$879,000	2,991
Extraordinary gains, net	$0	22
Net income	$879,000	2,991
Minority interest net income	$0	75
Net income of bank and minority interests.	$879,000	2,993
Net charge-offs	$110,000	1,652
Cash dividends	$311,000	2,380
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$879,900	2,931
2015-03-31 (YTD Data)		Rank
Total interest income	$2,196,000	2,669
Total interest expense	$152,000	3,448
Net interest income	$2,044,000	2,550
Provision for loan and lease losses	$0	3,703
Total noninterest income	$658,000	1,748
Gross Fiduciary activities income	$101,000	648
Service charges on deposit accounts	$200,000	1,450
Trading account gains and fees	$0	152
Additional Noninterest Income	$357,000	1,902
Total noninterest expense	$2,200,000	2,148
Salaries and employee benefits	$1,193,000	2,166
Premises and equipment expense	$320,000	1,825
Additional noninterest expense	$687,000	2,135
Pre-tax net operating income	$502,000	3,010
Securities gains (losses)	$-1,000	6,051
Applicable income taxes	$60,000	2,867
Income before extraordinary items	$441,000	2,954
Extraordinary gains, net	$0	13
Net income	$441,000	2,957
Minority interest net income	$0	64
Net income of bank and minority interests.	$441,000	2,957
Net charge-offs	$115,000	1,016
Cash dividends	$162,000	1,996
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$441,880	2,881
2014-12-31 (YTD Data)		Rank
Total interest income	$8,485,000	2,762
Total interest expense	$580,000	3,713
Net interest income	$7,905,000	2,651
Provision for loan and lease losses	$-133,000	6,076
Total noninterest income	$2,550,000	1,770
Gross Fiduciary activities income	$445,000	634
Service charges on deposit accounts	$782,000	1,609
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,323,000	1,933
Total noninterest expense	$8,735,000	2,160
Salaries and employee benefits	$4,840,000	2,113
Premises and equipment expense	$1,251,000	1,848
Additional noninterest expense	$2,644,000	2,289
Pre-tax net operating income	$1,853,000	3,114
Securities gains (losses)	$-44,000	6,239
Applicable income taxes	$240,000	2,821
Income before extraordinary items	$1,569,000	3,167
Extraordinary gains, net	$0	17
Net income	$1,569,000	3,167
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,569,000	3,168
Net charge-offs	$30,000	4,096
Cash dividends	$636,000	2,566
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,607,280	3,068
2014-09-30 (YTD Data)		Rank
Total interest income	$6,271,000	2,811
Total interest expense	$428,000	3,796
Net interest income	$5,843,000	2,698
Provision for loan and lease losses	$-44,000	6,131
Total noninterest income	$1,887,000	1,804
Gross Fiduciary activities income	$307,000	644
Service charges on deposit accounts	$571,000	1,654
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,009,000	1,916
Total noninterest expense	$6,508,000	2,179
Salaries and employee benefits	$3,596,000	2,135
Premises and equipment expense	$924,000	1,886
Additional noninterest expense	$1,988,000	2,257
Pre-tax net operating income	$1,266,000	3,326
Securities gains (losses)	$-50,000	6,360
Applicable income taxes	$140,000	3,082
Income before extraordinary items	$1,076,000	3,358
Extraordinary gains, net	$0	15
Net income	$1,076,000	3,359
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,076,000	3,359
Net charge-offs	$30,000	3,619
Cash dividends	$432,000	2,380
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,120,000	3,244
2014-06-30 (YTD Data)		Rank
Total interest income	$4,104,000	2,865
Total interest expense	$285,000	3,842
Net interest income	$3,819,000	2,739
Provision for loan and lease losses	$-37,000	6,272
Total noninterest income	$1,231,000	1,805
Gross Fiduciary activities income	$209,000	644
Service charges on deposit accounts	$363,000	1,699
Trading account gains and fees	$0	172
Additional Noninterest Income	$659,000	1,925
Total noninterest expense	$4,303,000	2,180
Salaries and employee benefits	$2,364,000	2,165
Premises and equipment expense	$609,000	1,921
Additional noninterest expense	$1,330,000	2,237
Pre-tax net operating income	$784,000	3,410
Securities gains (losses)	$0	2,580
Applicable income taxes	$90,000	3,087
Income before extraordinary items	$694,000	3,351
Extraordinary gains, net	$0	20
Net income	$694,000	3,357
Minority interest net income	$0	80
Net income of bank and minority interests.	$694,000	3,357
Net charge-offs	$26,000	3,261
Cash dividends	$290,000	2,405
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$694,000	3,310
2014-03-31 (YTD Data)		Rank
Total interest income	$2,021,000	2,904
Total interest expense	$140,000	3,943
Net interest income	$1,881,000	2,779
Provision for loan and lease losses	$0	3,817
Total noninterest income	$580,000	1,848
Gross Fiduciary activities income	$98,000	658
Service charges on deposit accounts	$179,000	1,697
Trading account gains and fees	$0	147
Additional Noninterest Income	$303,000	1,989
Total noninterest expense	$2,091,000	2,242
Salaries and employee benefits	$1,132,000	2,255
Premises and equipment expense	$308,000	1,934
Additional noninterest expense	$651,000	2,301
Pre-tax net operating income	$370,000	3,433
Securities gains (losses)	$0	1,715
Applicable income taxes	$40,000	3,106
Income before extraordinary items	$330,000	3,371
Extraordinary gains, net	$0	16
Net income	$330,000	3,374
Minority interest net income	$0	66
Net income of bank and minority interests.	$330,000	3,374
Net charge-offs	$25,000	2,339
Cash dividends	$149,000	2,005
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$330,000	3,331
2013-12-31 (YTD Data)		Rank
Total interest income	$7,858,000	2,979
Total interest expense	$659,000	3,879
Net interest income	$7,199,000	2,848
Provision for loan and lease losses	$0	5,091
Total noninterest income	$2,484,000	1,851
Gross Fiduciary activities income	$448,000	625
Service charges on deposit accounts	$637,000	1,967
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,399,000	1,946
Total noninterest expense	$8,408,000	2,247
Salaries and employee benefits	$4,766,000	2,146
Premises and equipment expense	$1,163,000	1,973
Additional noninterest expense	$2,479,000	2,485
Pre-tax net operating income	$1,275,000	3,669
Securities gains (losses)	$11,000	2,598
Applicable income taxes	$170,000	3,061
Income before extraordinary items	$1,116,000	3,687
Extraordinary gains, net	$0	29
Net income	$1,116,000	3,690
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,116,000	3,691
Net charge-offs	$120,000	3,569
Cash dividends	$405,000	2,966
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,106,430	3,659
2013-09-30 (YTD Data)		Rank
Total interest income	$5,808,000	3,040
Total interest expense	$509,000	3,899
Net interest income	$5,299,000	2,906
Provision for loan and lease losses	$0	4,941
Total noninterest income	$1,833,000	1,910
Gross Fiduciary activities income	$318,000	635
Service charges on deposit accounts	$451,000	2,066
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,064,000	1,961
Total noninterest expense	$6,202,000	2,284
Salaries and employee benefits	$3,498,000	2,182
Premises and equipment expense	$864,000	2,000
Additional noninterest expense	$1,840,000	2,489
Pre-tax net operating income	$930,000	3,804
Securities gains (losses)	$10,000	2,497
Applicable income taxes	$70,000	3,524
Income before extraordinary items	$870,000	3,669
Extraordinary gains, net	$0	25
Net income	$870,000	3,672
Minority interest net income	$0	84
Net income of bank and minority interests.	$870,000	3,673
Net charge-offs	$63,000	3,672
Cash dividends	$406,000	2,305
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$860,700	3,618
2013-06-30 (YTD Data)		Rank
Total interest income	$3,842,000	3,065
Total interest expense	$340,000	3,955
Net interest income	$3,502,000	2,914
Provision for loan and lease losses	$0	4,788
Total noninterest income	$1,200,000	1,971
Gross Fiduciary activities income	$207,000	649
Service charges on deposit accounts	$288,000	2,100
Trading account gains and fees	$0	157
Additional Noninterest Income	$705,000	2,004
Total noninterest expense	$4,081,000	2,313
Salaries and employee benefits	$2,290,000	2,222
Premises and equipment expense	$567,000	2,035
Additional noninterest expense	$1,224,000	2,488
Pre-tax net operating income	$621,000	3,766
Securities gains (losses)	$10,000	2,282
Applicable income taxes	$45,000	3,552
Income before extraordinary items	$586,000	3,653
Extraordinary gains, net	$0	22
Net income	$586,000	3,655
Minority interest net income	$0	82
Net income of bank and minority interests.	$586,000	3,656
Net charge-offs	$70,000	3,069
Cash dividends	$270,000	2,311
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$576,700	3,582
2013-03-31 (YTD Data)		Rank
Total interest income	$1,953,000	3,047
Total interest expense	$175,000	3,984
Net interest income	$1,778,000	2,887
Provision for loan and lease losses	$0	4,409
Total noninterest income	$565,000	2,041
Gross Fiduciary activities income	$92,000	675
Service charges on deposit accounts	$140,000	2,146
Trading account gains and fees	$0	148
Additional Noninterest Income	$333,000	2,084
Total noninterest expense	$2,019,000	2,347
Salaries and employee benefits	$1,135,000	2,262
Premises and equipment expense	$292,000	2,016
Additional noninterest expense	$592,000	2,580
Pre-tax net operating income	$324,000	3,665
Securities gains (losses)	$0	1,966
Applicable income taxes	$35,000	3,248
Income before extraordinary items	$289,000	3,636
Extraordinary gains, net	$0	10
Net income	$289,000	3,636
Minority interest net income	$0	76
Net income of bank and minority interests.	$289,000	3,638
Net charge-offs	$16,000	3,214
Cash dividends	$135,000	1,877
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$289,000	3,540
2012-12-31 (YTD Data)		Rank
Total interest income	$8,281,000	3,012
Total interest expense	$907,000	3,844
Net interest income	$7,374,000	2,858
Provision for loan and lease losses	$384,000	3,070
Total noninterest income	$2,814,000	1,714
Gross Fiduciary activities income	$362,000	672
Service charges on deposit accounts	$631,000	2,072
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,821,000	1,630
Total noninterest expense	$8,205,000	2,305
Salaries and employee benefits	$4,441,000	2,234
Premises and equipment expense	$1,011,000	2,262
Additional noninterest expense	$2,753,000	2,363
Pre-tax net operating income	$1,599,000	3,225
Securities gains (losses)	$0	3,810
Applicable income taxes	$240,000	2,863
Income before extraordinary items	$1,359,000	3,303
Extraordinary gains, net	$0	29
Net income	$1,359,000	3,303
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,359,000	3,303
Net charge-offs	$924,000	1,903
Cash dividends	$629,000	2,506
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,359,000	3,161
2012-09-30 (YTD Data)		Rank
Total interest income	$6,275,000	3,053
Total interest expense	$704,000	3,887
Net interest income	$5,571,000	2,880
Provision for loan and lease losses	$290,000	3,018
Total noninterest income	$1,970,000	1,811
Gross Fiduciary activities income	$254,000	676
Service charges on deposit accounts	$471,000	2,101
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,245,000	1,739
Total noninterest expense	$5,845,000	2,430
Salaries and employee benefits	$3,240,000	2,291
Premises and equipment expense	$750,000	2,301
Additional noninterest expense	$1,855,000	2,597
Pre-tax net operating income	$1,406,000	3,021
Securities gains (losses)	$0	3,575
Applicable income taxes	$240,000	2,674
Income before extraordinary items	$1,166,000	3,132
Extraordinary gains, net	$0	20
Net income	$1,166,000	3,131
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,166,000	3,130
Net charge-offs	$624,000	1,938
Cash dividends	$487,000	2,072
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,166,000	2,988
2012-06-30 (YTD Data)		Rank
Total interest income	$4,199,000	3,071
Total interest expense	$482,000	3,916
Net interest income	$3,717,000	2,881
Provision for loan and lease losses	$185,000	3,078
Total noninterest income	$1,238,000	1,875
Gross Fiduciary activities income	$170,000	681
Service charges on deposit accounts	$309,000	2,102
Trading account gains and fees	$0	153
Additional Noninterest Income	$759,000	1,816
Total noninterest expense	$3,836,000	2,466
Salaries and employee benefits	$2,134,000	2,319
Premises and equipment expense	$499,000	2,293
Additional noninterest expense	$1,203,000	2,684
Pre-tax net operating income	$934,000	2,984
Securities gains (losses)	$0	3,178
Applicable income taxes	$160,000	2,654
Income before extraordinary items	$774,000	3,111
Extraordinary gains, net	$0	19
Net income	$774,000	3,110
Minority interest net income	$0	84
Net income of bank and minority interests.	$774,000	3,111
Net charge-offs	$395,000	2,020
Cash dividends	$352,000	1,973
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$774,000	2,954
2012-03-31 (YTD Data)		Rank
Total interest income	$2,128,000	3,061
Total interest expense	$249,000	3,946
Net interest income	$1,879,000	2,866
Provision for loan and lease losses	$80,000	3,124
Total noninterest income	$589,000	1,939
Gross Fiduciary activities income	$86,000	688
Service charges on deposit accounts	$158,000	2,045
Trading account gains and fees	$0	148
Additional Noninterest Income	$345,000	1,940
Total noninterest expense	$1,901,000	2,483
Salaries and employee benefits	$1,036,000	2,395
Premises and equipment expense	$260,000	2,223
Additional noninterest expense	$605,000	2,643
Pre-tax net operating income	$487,000	2,922
Securities gains (losses)	$0	2,210
Applicable income taxes	$85,000	2,598
Income before extraordinary items	$402,000	3,054
Extraordinary gains, net	$0	19
Net income	$402,000	3,057
Minority interest net income	$0	78
Net income of bank and minority interests.	$402,000	3,058
Net charge-offs	$-14,000	6,765
Cash dividends	$202,000	1,560
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$402,000	2,897
2011-12-31 (YTD Data)		Rank
Total interest income	$8,915,000	3,058
Total interest expense	$1,431,000	3,565
Net interest income	$7,484,000	2,897
Provision for loan and lease losses	$587,000	3,233
Total noninterest income	$2,342,000	1,803
Gross Fiduciary activities income	$358,000	630
Service charges on deposit accounts	$701,000	1,986
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,283,000	1,817
Total noninterest expense	$7,761,000	2,432
Salaries and employee benefits	$4,304,000	2,252
Premises and equipment expense	$1,089,000	2,230
Additional noninterest expense	$2,368,000	2,707
Pre-tax net operating income	$1,478,000	3,052
Securities gains (losses)	$0	3,838
Applicable income taxes	$200,000	2,903
Income before extraordinary items	$1,278,000	3,095
Extraordinary gains, net	$0	29
Net income	$1,278,000	3,098
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,278,000	3,098
Net charge-offs	$747,000	2,720
Cash dividends	$717,000	2,010
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,278,000	2,995
2011-09-30 (YTD Data)		Rank
Total interest income	$6,733,000	3,067
Total interest expense	$1,133,000	3,550
Net interest income	$5,600,000	2,915
Provision for loan and lease losses	$426,000	3,126
Total noninterest income	$1,747,000	1,793
Gross Fiduciary activities income	$245,000	638
Service charges on deposit accounts	$515,000	2,024
Trading account gains and fees	$0	145
Additional Noninterest Income	$987,000	1,783
Total noninterest expense	$5,834,000	2,439
Salaries and employee benefits	$3,188,000	2,269
Premises and equipment expense	$833,000	2,217
Additional noninterest expense	$1,813,000	2,667
Pre-tax net operating income	$1,087,000	3,160
Securities gains (losses)	$0	3,555
Applicable income taxes	$150,000	2,914
Income before extraordinary items	$937,000	3,199
Extraordinary gains, net	$0	21
Net income	$937,000	3,199
Minority interest net income	$0	87
Net income of bank and minority interests.	$937,000	3,199
Net charge-offs	$491,000	2,683
Cash dividends	$549,000	1,712
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$937,000	3,098
2011-06-30 (YTD Data)		Rank
Total interest income	$4,468,000	3,107
Total interest expense	$775,000	3,583
Net interest income	$3,693,000	2,940
Provision for loan and lease losses	$261,000	3,191
Total noninterest income	$1,151,000	1,806
Gross Fiduciary activities income	$162,000	645
Service charges on deposit accounts	$341,000	2,018
Trading account gains and fees	$0	153
Additional Noninterest Income	$648,000	1,795
Total noninterest expense	$3,871,000	2,462
Salaries and employee benefits	$2,116,000	2,289
Premises and equipment expense	$550,000	2,245
Additional noninterest expense	$1,205,000	2,740
Pre-tax net operating income	$712,000	3,157
Securities gains (losses)	$0	2,914
Applicable income taxes	$90,000	2,938
Income before extraordinary items	$622,000	3,124
Extraordinary gains, net	$0	15
Net income	$622,000	3,126
Minority interest net income	$0	89
Net income of bank and minority interests.	$622,000	3,126
Net charge-offs	$483,000	2,186
Cash dividends	$359,000	1,741
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$622,000	3,034
2011-03-31 (YTD Data)		Rank
Total interest income	$2,231,000	3,121
Total interest expense	$394,000	3,644
Net interest income	$1,837,000	2,942
Provision for loan and lease losses	$151,000	2,740
Total noninterest income	$601,000	1,748
Gross Fiduciary activities income	$81,000	654
Service charges on deposit accounts	$155,000	2,150
Trading account gains and fees	$0	158
Additional Noninterest Income	$365,000	1,673
Total noninterest expense	$1,929,000	2,490
Salaries and employee benefits	$1,051,000	2,329
Premises and equipment expense	$285,000	2,235
Additional noninterest expense	$593,000	2,742
Pre-tax net operating income	$358,000	3,200
Securities gains (losses)	$0	1,772
Applicable income taxes	$45,000	2,906
Income before extraordinary items	$313,000	3,145
Extraordinary gains, net	$0	9
Net income	$313,000	3,141
Minority interest net income	$0	86
Net income of bank and minority interests.	$313,000	3,145
Net charge-offs	$404,000	1,519
Cash dividends	$142,000	1,680
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$313,000	3,083
2010-12-31 (YTD Data)		Rank
Total interest income	$9,657,000	3,045
Total interest expense	$2,081,000	3,452
Net interest income	$7,576,000	2,868
Provision for loan and lease losses	$981,000	3,083
Total noninterest income	$2,124,000	1,998
Gross Fiduciary activities income	$389,000	608
Service charges on deposit accounts	$1,134,000	1,338
Trading account gains and fees	$0	175
Additional Noninterest Income	$601,000	2,914
Total noninterest expense	$7,805,000	2,472
Salaries and employee benefits	$4,336,000	2,225
Premises and equipment expense	$1,154,000	2,188
Additional noninterest expense	$2,315,000	2,856
Pre-tax net operating income	$914,000	3,536
Securities gains (losses)	$444,000	974
Applicable income taxes	$120,000	3,088
Income before extraordinary items	$1,238,000	2,847
Extraordinary gains, net	$0	29
Net income	$1,238,000	2,844
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,238,000	2,848
Net charge-offs	$1,211,000	2,432
Cash dividends	$677,000	1,973
Sale, conversion, retirement of capital stock, net	$36,000	1,009
Net operating income	$833,960	3,421
2010-09-30 (YTD Data)		Rank
Total interest income	$7,318,000	3,069
Total interest expense	$1,636,000	3,475
Net interest income	$5,682,000	2,909
Provision for loan and lease losses	$848,000	2,773
Total noninterest income	$1,512,000	2,075
Gross Fiduciary activities income	$270,000	621
Service charges on deposit accounts	$858,000	1,373
Trading account gains and fees	$0	165
Additional Noninterest Income	$384,000	3,171
Total noninterest expense	$5,800,000	2,492
Salaries and employee benefits	$3,178,000	2,286
Premises and equipment expense	$864,000	2,228
Additional noninterest expense	$1,758,000	2,769
Pre-tax net operating income	$546,000	4,085
Securities gains (losses)	$439,000	822
Applicable income taxes	$60,000	3,466
Income before extraordinary items	$925,000	3,031
Extraordinary gains, net	$0	23
Net income	$925,000	3,028
Minority interest net income	$0	110
Net income of bank and minority interests.	$925,000	3,031
Net charge-offs	$625,000	2,768
Cash dividends	$534,000	1,689
Sale, conversion, retirement of capital stock, net	$17,000	1,017
Net operating income	$512,340	3,919
2010-06-30 (YTD Data)		Rank
Total interest income	$4,927,000	3,081
Total interest expense	$1,112,000	3,512
Net interest income	$3,815,000	2,881
Provision for loan and lease losses	$586,000	2,630
Total noninterest income	$998,000	2,054
Gross Fiduciary activities income	$186,000	621
Service charges on deposit accounts	$562,000	1,395
Trading account gains and fees	$0	152
Additional Noninterest Income	$250,000	3,128
Total noninterest expense	$3,869,000	2,498
Salaries and employee benefits	$2,091,000	2,336
Premises and equipment expense	$578,000	2,232
Additional noninterest expense	$1,200,000	2,717
Pre-tax net operating income	$358,000	4,142
Securities gains (losses)	$439,000	534
Applicable income taxes	$90,000	2,870
Income before extraordinary items	$707,000	2,744
Extraordinary gains, net	$0	19
Net income	$707,000	2,739
Minority interest net income	$0	105
Net income of bank and minority interests.	$707,000	2,743
Net charge-offs	$356,000	2,852
Cash dividends	$399,000	1,612
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$316,290	4,071
2010-03-31 (YTD Data)		Rank
Total interest income	$2,463,000	3,141
Total interest expense	$565,000	3,596
Net interest income	$1,898,000	2,927
Provision for loan and lease losses	$132,000	3,599
Total noninterest income	$500,000	2,032
Gross Fiduciary activities income	$100,000	616
Service charges on deposit accounts	$274,000	1,431
Trading account gains and fees	$0	175
Additional Noninterest Income	$126,000	3,112
Total noninterest expense	$1,932,000	2,522
Salaries and employee benefits	$1,041,000	2,369
Premises and equipment expense	$278,000	2,367
Additional noninterest expense	$613,000	2,663
Pre-tax net operating income	$334,000	3,179
Securities gains (losses)	$64,000	1,022
Applicable income taxes	$25,000	3,295
Income before extraordinary items	$373,000	2,681
Extraordinary gains, net	$0	16
Net income	$373,000	2,679
Minority interest net income	$0	91
Net income of bank and minority interests.	$373,000	2,682
Net charge-offs	$143,000	2,777
Cash dividends	$203,000	1,359
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$312,840	2,951
2009-12-31 (YTD Data)		Rank
Total interest income	$10,619,000	3,083
Total interest expense	$2,942,000	3,458
Net interest income	$7,677,000	2,827
Provision for loan and lease losses	$1,499,000	2,911
Total noninterest income	$2,048,000	2,093
Gross Fiduciary activities income	$378,000	614
Service charges on deposit accounts	$1,133,000	1,502
Trading account gains and fees	$0	211
Additional Noninterest Income	$537,000	3,091
Total noninterest expense	$7,939,000	2,478
Salaries and employee benefits	$4,354,000	2,260
Premises and equipment expense	$1,161,000	2,278
Additional noninterest expense	$2,424,000	2,815
Pre-tax net operating income	$287,000	4,540
Securities gains (losses)	$1,205,000	419
Applicable income taxes	$150,000	2,601
Income before extraordinary items	$1,342,000	2,295
Extraordinary gains, net	$0	34
Net income	$1,342,000	2,291
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,342,000	2,293
Net charge-offs	$599,000	3,561
Cash dividends	$926,000	1,731
Sale, conversion, retirement of capital stock, net	$128,000	834
Net operating income	$257,500	4,546
2009-09-30 (YTD Data)		Rank
Total interest income	$8,072,000	3,085
Total interest expense	$2,313,000	3,470
Net interest income	$5,759,000	2,835
Provision for loan and lease losses	$754,000	3,182
Total noninterest income	$1,558,000	2,100
Gross Fiduciary activities income	$297,000	590
Service charges on deposit accounts	$839,000	1,521
Trading account gains and fees	$0	212
Additional Noninterest Income	$422,000	3,092
Total noninterest expense	$6,067,000	2,440
Salaries and employee benefits	$3,226,000	2,309
Premises and equipment expense	$886,000	2,267
Additional noninterest expense	$1,955,000	2,624
Pre-tax net operating income	$496,000	3,907
Securities gains (losses)	$961,000	403
Applicable income taxes	$170,000	2,468
Income before extraordinary items	$1,287,000	2,062
Extraordinary gains, net	$0	27
Net income	$1,287,000	2,061
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,287,000	2,062
Net charge-offs	$440,000	3,208
Cash dividends	$575,000	1,853
Sale, conversion, retirement of capital stock, net	$42,000	959
Net operating income	$441,320	3,797
2009-06-30 (YTD Data)		Rank
Total interest income	$5,487,000	3,060
Total interest expense	$1,624,000	3,469
Net interest income	$3,863,000	2,812
Provision for loan and lease losses	$616,000	2,657
Total noninterest income	$1,018,000	2,161
Gross Fiduciary activities income	$200,000	596
Service charges on deposit accounts	$541,000	1,544
Trading account gains and fees	$0	193
Additional Noninterest Income	$277,000	3,125
Total noninterest expense	$4,156,000	2,410
Salaries and employee benefits	$2,136,000	2,371
Premises and equipment expense	$610,000	2,238
Additional noninterest expense	$1,410,000	2,468
Pre-tax net operating income	$109,000	5,150
Securities gains (losses)	$961,000	296
Applicable income taxes	$145,000	2,300
Income before extraordinary items	$925,000	1,973
Extraordinary gains, net	$0	21
Net income	$925,000	1,971
Minority interest net income	$0	112
Net income of bank and minority interests.	$925,000	1,972
Net charge-offs	$292,000	2,966
Cash dividends	$385,000	1,934
Sale, conversion, retirement of capital stock, net	$42,000	849
Net operating income	$98,540	5,128
2009-03-31 (YTD Data)		Rank
Total interest income	$2,794,000	3,043
Total interest expense	$840,000	3,498
Net interest income	$1,954,000	2,773
Provision for loan and lease losses	$478,000	1,820
Total noninterest income	$493,000	2,164
Gross Fiduciary activities income	$90,000	625
Service charges on deposit accounts	$258,000	1,574
Trading account gains and fees	$0	171
Additional Noninterest Income	$145,000	3,022
Total noninterest expense	$1,962,000	2,466
Salaries and employee benefits	$1,044,000	2,450
Premises and equipment expense	$308,000	2,251
Additional noninterest expense	$610,000	2,527
Pre-tax net operating income	$7,000	6,161
Securities gains (losses)	$427,000	392
Applicable income taxes	$30,000	3,285
Income before extraordinary items	$404,000	2,548
Extraordinary gains, net	$0	15
Net income	$404,000	2,548
Minority interest net income	$0	102
Net income of bank and minority interests.	$404,000	2,550
Net charge-offs	$58,000	3,408
Cash dividends	$196,000	1,760
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$6,890	6,183
2008-12-31 (YTD Data)		Rank
Total interest income	$12,523,000	2,920
Total interest expense	$4,569,000	3,198
Net interest income	$7,954,000	2,721
Provision for loan and lease losses	$1,232,000	2,427
Total noninterest income	$2,121,000	2,048
Gross Fiduciary activities income	$423,000	608
Service charges on deposit accounts	$1,229,000	1,460
Trading account gains and fees	$0	154
Additional Noninterest Income	$469,000	3,290
Total noninterest expense	$7,490,000	2,530
Salaries and employee benefits	$4,256,000	2,369
Premises and equipment expense	$1,200,000	2,245
Additional noninterest expense	$2,034,000	2,829
Pre-tax net operating income	$1,353,000	3,200
Securities gains (losses)	$-6,783,000	8,124
Applicable income taxes	$-2,130,000	7,932
Income before extraordinary items	$-3,300,000	7,653
Extraordinary gains, net	$0	39
Net income	$-3,300,000	7,651
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$652,000	2,448
Cash dividends	$1,151,000	2,111
Sale, conversion, retirement of capital stock, net	$-128,000	8,242
Net operating income	$1,041,120	3,364
2008-09-30 (YTD Data)		Rank
Total interest income	$9,595,000	2,919
Total interest expense	$3,604,000	3,172
Net interest income	$5,991,000	2,727
Provision for loan and lease losses	$393,000	3,111
Total noninterest income	$1,603,000	2,102
Gross Fiduciary activities income	$277,000	638
Service charges on deposit accounts	$931,000	1,452
Trading account gains and fees	$0	148
Additional Noninterest Income	$395,000	3,209
Total noninterest expense	$5,583,000	2,537
Salaries and employee benefits	$3,178,000	2,408
Premises and equipment expense	$903,000	2,252
Additional noninterest expense	$1,502,000	2,774
Pre-tax net operating income	$1,618,000	2,689
Securities gains (losses)	$-4,431,000	8,193
Applicable income taxes	$-1,250,000	8,104
Income before extraordinary items	$-1,563,000	7,726
Extraordinary gains, net	$0	31
Net income	$-1,563,000	7,725
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$365,000	2,325
Cash dividends	$947,000	1,901
Sale, conversion, retirement of capital stock, net	$16,000	1,110
Net operating income	$1,272,840	2,775
2008-06-30 (YTD Data)		Rank
Total interest income	$6,463,000	2,940
Total interest expense	$2,546,000	3,133
Net interest income	$3,917,000	2,760
Provision for loan and lease losses	$253,000	2,791
Total noninterest income	$1,055,000	2,152
Gross Fiduciary activities income	$187,000	646
Service charges on deposit accounts	$604,000	1,474
Trading account gains and fees	$0	149
Additional Noninterest Income	$264,000	3,244
Total noninterest expense	$3,649,000	2,586
Salaries and employee benefits	$2,080,000	2,474
Premises and equipment expense	$622,000	2,171
Additional noninterest expense	$947,000	2,876
Pre-tax net operating income	$1,070,000	2,802
Securities gains (losses)	$6,000	2,681
Applicable income taxes	$165,000	2,906
Income before extraordinary items	$911,000	2,779
Extraordinary gains, net	$0	21
Net income	$911,000	2,778
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$302,000	1,797
Cash dividends	$677,000	1,903
Sale, conversion, retirement of capital stock, net	$16,000	981
Net operating income	$905,900	2,739
2008-03-31 (YTD Data)		Rank
Total interest income	$3,285,000	2,964
Total interest expense	$1,372,000	3,115
Net interest income	$1,913,000	2,813
Provision for loan and lease losses	$118,000	2,515
Total noninterest income	$517,000	2,193
Gross Fiduciary activities income	$90,000	672
Service charges on deposit accounts	$298,000	1,466
Trading account gains and fees	$0	158
Additional Noninterest Income	$129,000	3,305
Total noninterest expense	$1,806,000	2,609
Salaries and employee benefits	$1,015,000	2,553
Premises and equipment expense	$323,000	2,101
Additional noninterest expense	$468,000	2,874
Pre-tax net operating income	$506,000	3,054
Securities gains (losses)	$0	2,688
Applicable income taxes	$70,000	3,215
Income before extraordinary items	$436,000	3,002
Extraordinary gains, net	$0	15
Net income	$436,000	3,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$285,000	1,010
Cash dividends	$271,000	1,999
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$436,000	2,915
2007-12-31 (YTD Data)		Rank
Total interest income	$12,857,000	3,103
Total interest expense	$5,861,000	3,059
Net interest income	$6,996,000	3,110
Provision for loan and lease losses	$-159,000	8,416
Total noninterest income	$2,121,000	2,131
Gross Fiduciary activities income	$414,000	635
Service charges on deposit accounts	$1,156,000	1,556
Trading account gains and fees	$0	178
Additional Noninterest Income	$551,000	3,155
Total noninterest expense	$6,932,000	2,617
Salaries and employee benefits	$4,062,000	2,467
Premises and equipment expense	$1,219,000	2,134
Additional noninterest expense	$1,651,000	3,157
Pre-tax net operating income	$2,344,000	2,963
Securities gains (losses)	$16,000	1,168
Applicable income taxes	$330,000	3,263
Income before extraordinary items	$2,030,000	2,784
Extraordinary gains, net	$0	39
Net income	$2,030,000	2,783
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-176,000	8,434
Cash dividends	$1,557,000	1,949
Sale, conversion, retirement of capital stock, net	$74,000	997
Net operating income	$2,016,240	2,784
2007-09-30 (YTD Data)		Rank
Total interest income	$9,566,000	3,120
Total interest expense	$4,357,000	3,085
Net interest income	$5,209,000	3,129
Provision for loan and lease losses	$-244,000	8,488
Total noninterest income	$1,521,000	2,200
Gross Fiduciary activities income	$270,000	662
Service charges on deposit accounts	$831,000	1,592
Trading account gains and fees	$0	184
Additional Noninterest Income	$420,000	3,116
Total noninterest expense	$5,148,000	2,615
Salaries and employee benefits	$3,006,000	2,488
Premises and equipment expense	$938,000	2,068
Additional noninterest expense	$1,204,000	3,189
Pre-tax net operating income	$1,826,000	3,028
Securities gains (losses)	$19,000	847
Applicable income taxes	$305,000	3,183
Income before extraordinary items	$1,540,000	2,912
Extraordinary gains, net	$0	33
Net income	$1,540,000	2,911
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-211,000	8,470
Cash dividends	$1,015,000	1,962
Sale, conversion, retirement of capital stock, net	$17,000	1,044
Net operating income	$1,524,230	2,922
2007-06-30 (YTD Data)		Rank
Total interest income	$6,287,000	3,164
Total interest expense	$2,845,000	3,133
Net interest income	$3,442,000	3,172
Provision for loan and lease losses	$-200,000	8,520
Total noninterest income	$1,030,000	2,201
Gross Fiduciary activities income	$180,000	671
Service charges on deposit accounts	$540,000	1,637
Trading account gains and fees	$0	168
Additional Noninterest Income	$310,000	2,963
Total noninterest expense	$3,457,000	2,631
Salaries and employee benefits	$1,981,000	2,546
Premises and equipment expense	$647,000	2,009
Additional noninterest expense	$829,000	3,103
Pre-tax net operating income	$1,215,000	3,090
Securities gains (losses)	$19,000	721
Applicable income taxes	$200,000	3,271
Income before extraordinary items	$1,034,000	2,967
Extraordinary gains, net	$0	29
Net income	$1,034,000	2,966
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-188,000	8,518
Cash dividends	$676,000	2,026
Sale, conversion, retirement of capital stock, net	$17,000	926
Net operating income	$1,018,040	2,988
2007-03-31 (YTD Data)		Rank
Total interest income	$3,101,000	3,196
Total interest expense	$1,403,000	3,162
Net interest income	$1,698,000	3,196
Provision for loan and lease losses	$-150,000	8,566
Total noninterest income	$536,000	2,116
Gross Fiduciary activities income	$90,000	681
Service charges on deposit accounts	$270,000	1,592
Trading account gains and fees	$0	195
Additional Noninterest Income	$176,000	2,745
Total noninterest expense	$1,743,000	2,617
Salaries and employee benefits	$969,000	2,617
Premises and equipment expense	$359,000	1,846
Additional noninterest expense	$415,000	3,075
Pre-tax net operating income	$641,000	2,972
Securities gains (losses)	$-9,000	8,245
Applicable income taxes	$105,000	3,204
Income before extraordinary items	$527,000	2,894
Extraordinary gains, net	$0	22
Net income	$527,000	2,894
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-137,000	8,545
Cash dividends	$406,000	1,643
Sale, conversion, retirement of capital stock, net	$2,000	852
Net operating income	$534,470	2,859
2006-12-31 (YTD Data)		Rank
Total interest income	$11,883,000	3,120
Total interest expense	$4,808,000	3,131
Net interest income	$7,075,000	3,077
Provision for loan and lease losses	$0	6,850
Total noninterest income	$2,058,000	2,176
Gross Fiduciary activities income	$416,000	623
Service charges on deposit accounts	$1,134,000	1,560
Trading account gains and fees	$0	130
Additional Noninterest Income	$508,000	3,306
Total noninterest expense	$6,698,000	2,615
Salaries and employee benefits	$3,879,000	2,509
Premises and equipment expense	$1,157,000	2,136
Additional noninterest expense	$1,662,000	3,024
Pre-tax net operating income	$2,435,000	3,184
Securities gains (losses)	$0	1,687
Applicable income taxes	$410,000	3,401
Income before extraordinary items	$2,025,000	3,074
Extraordinary gains, net	$0	51
Net income	$2,025,000	3,074
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,128
Cash dividends	$1,266,000	2,180
Sale, conversion, retirement of capital stock, net	$-117,000	8,602
Net operating income	$2,025,000	3,067
2006-09-30 (YTD Data)		Rank
Total interest income	$8,854,000	3,110
Total interest expense	$3,493,000	3,116
Net interest income	$5,361,000	3,077
Provision for loan and lease losses	$0	6,685
Total noninterest income	$1,522,000	2,202
Gross Fiduciary activities income	$304,000	630
Service charges on deposit accounts	$843,000	1,579
Trading account gains and fees	$0	126
Additional Noninterest Income	$375,000	3,315
Total noninterest expense	$4,901,000	2,678
Salaries and employee benefits	$2,853,000	2,552
Premises and equipment expense	$856,000	2,183
Additional noninterest expense	$1,192,000	3,157
Pre-tax net operating income	$1,982,000	3,131
Securities gains (losses)	$0	1,388
Applicable income taxes	$355,000	3,346
Income before extraordinary items	$1,627,000	3,021
Extraordinary gains, net	$0	45
Net income	$1,627,000	3,022
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	4,367
Cash dividends	$861,000	2,142
Sale, conversion, retirement of capital stock, net	$-125,000	8,690
Net operating income	$1,627,000	3,011
2006-06-30 (YTD Data)		Rank
Total interest income	$5,753,000	3,135
Total interest expense	$2,199,000	3,144
Net interest income	$3,554,000	3,093
Provision for loan and lease losses	$0	6,419
Total noninterest income	$1,009,000	2,208
Gross Fiduciary activities income	$217,000	620
Service charges on deposit accounts	$550,000	1,602
Trading account gains and fees	$0	126
Additional Noninterest Income	$242,000	3,381
Total noninterest expense	$3,233,000	2,720
Salaries and employee benefits	$1,872,000	2,588
Premises and equipment expense	$567,000	2,186
Additional noninterest expense	$794,000	3,155
Pre-tax net operating income	$1,330,000	3,135
Securities gains (losses)	$0	1,185
Applicable income taxes	$240,000	3,372
Income before extraordinary items	$1,090,000	3,005
Extraordinary gains, net	$0	39
Net income	$1,090,000	3,007
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-18,000	8,044
Cash dividends	$677,000	1,936
Sale, conversion, retirement of capital stock, net	$-125,000	8,733
Net operating income	$1,090,000	2,993
2006-03-31 (YTD Data)		Rank
Total interest income	$2,792,000	3,165
Total interest expense	$1,048,000	3,138
Net interest income	$1,744,000	3,142
Provision for loan and lease losses	$0	6,013
Total noninterest income	$489,000	2,222
Gross Fiduciary activities income	$113,000	618
Service charges on deposit accounts	$267,000	1,585
Trading account gains and fees	$0	115
Additional Noninterest Income	$109,000	3,553
Total noninterest expense	$1,589,000	2,755
Salaries and employee benefits	$917,000	2,641
Premises and equipment expense	$285,000	2,193
Additional noninterest expense	$387,000	3,215
Pre-tax net operating income	$644,000	3,161
Securities gains (losses)	$0	955
Applicable income taxes	$108,000	3,496
Income before extraordinary items	$536,000	3,000
Extraordinary gains, net	$0	21
Net income	$536,000	2,999
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	8,173
Cash dividends	$406,000	1,589
Sale, conversion, retirement of capital stock, net	$-175,000	8,757
Net operating income	$536,000	2,979
2005-12-31 (YTD Data)		Rank
Total interest income	$10,650,000	2,986
Total interest expense	$3,525,000	2,925
Net interest income	$7,125,000	3,000
Provision for loan and lease losses	$1,556,000	682
Total noninterest income	$2,022,000	2,192
Gross Fiduciary activities income	$373,000	645
Service charges on deposit accounts	$1,105,000	1,575
Trading account gains and fees	$0	138
Additional Noninterest Income	$544,000	3,230
Total noninterest expense	$6,673,000	2,499
Salaries and employee benefits	$3,782,000	2,416
Premises and equipment expense	$1,151,000	2,085
Additional noninterest expense	$1,740,000	2,841
Pre-tax net operating income	$918,000	5,586
Securities gains (losses)	$-19,000	7,795
Applicable income taxes	$-120,000	8,622
Income before extraordinary items	$1,019,000	4,792
Extraordinary gains, net	$0	46
Net income	$1,019,000	4,793
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,085,000	378
Cash dividends	$1,028,000	2,382
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,038,000	4,705
2005-09-30 (YTD Data)		Rank
Total interest income	$8,018,000	2,930
Total interest expense	$2,574,000	2,862
Net interest income	$5,444,000	2,940
Provision for loan and lease losses	$91,000	4,295
Total noninterest income	$1,504,000	2,199
Gross Fiduciary activities income	$278,000	640
Service charges on deposit accounts	$822,000	1,581
Trading account gains and fees	$0	126
Additional Noninterest Income	$404,000	3,265
Total noninterest expense	$4,863,000	2,536
Salaries and employee benefits	$2,770,000	2,433
Premises and equipment expense	$858,000	2,074
Additional noninterest expense	$1,235,000	2,972
Pre-tax net operating income	$1,994,000	3,063
Securities gains (losses)	$0	2,317
Applicable income taxes	$346,000	3,547
Income before extraordinary items	$1,648,000	2,910
Extraordinary gains, net	$0	35
Net income	$1,648,000	2,911
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	3,581
Cash dividends	$555,000	2,627
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,648,000	2,868
2005-06-30 (YTD Data)		Rank
Total interest income	$5,317,000	2,875
Total interest expense	$1,650,000	2,816
Net interest income	$3,667,000	2,878
Provision for loan and lease losses	$7,000	6,262
Total noninterest income	$966,000	2,237
Gross Fiduciary activities income	$186,000	651
Service charges on deposit accounts	$519,000	1,621
Trading account gains and fees	$0	116
Additional Noninterest Income	$261,000	3,308
Total noninterest expense	$3,270,000	2,486
Salaries and employee benefits	$1,868,000	2,383
Premises and equipment expense	$579,000	2,039
Additional noninterest expense	$823,000	2,940
Pre-tax net operating income	$1,356,000	2,967
Securities gains (losses)	$0	2,146
Applicable income taxes	$235,000	3,510
Income before extraordinary items	$1,121,000	2,821
Extraordinary gains, net	$0	30
Net income	$1,121,000	2,821
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	4,682
Cash dividends	$372,000	2,624
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,121,000	2,779
2005-03-31 (YTD Data)		Rank
Total interest income	$2,624,000	2,874
Total interest expense	$794,000	2,805
Net interest income	$1,830,000	2,876
Provision for loan and lease losses	$31,000	3,901
Total noninterest income	$482,000	2,188
Gross Fiduciary activities income	$91,000	660
Service charges on deposit accounts	$251,000	1,623
Trading account gains and fees	$0	115
Additional Noninterest Income	$140,000	3,099
Total noninterest expense	$1,612,000	2,539
Salaries and employee benefits	$924,000	2,439
Premises and equipment expense	$285,000	2,096
Additional noninterest expense	$403,000	2,995
Pre-tax net operating income	$669,000	2,962
Securities gains (losses)	$4,000	1,261
Applicable income taxes	$114,000	3,555
Income before extraordinary items	$559,000	2,767
Extraordinary gains, net	$0	24
Net income	$559,000	2,767
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	3,216
Cash dividends	$190,000	2,294
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$555,680	2,734
2004-12-31 (YTD Data)		Rank
Total interest income	$10,504,000	2,694
Total interest expense	$3,170,000	2,501
Net interest income	$7,334,000	2,757
Provision for loan and lease losses	$298,000	2,965
Total noninterest income	$1,841,000	2,338
Gross Fiduciary activities income	$337,000	663
Service charges on deposit accounts	$1,086,000	1,617
Trading account gains and fees	$0	138
Additional Noninterest Income	$418,000	3,636
Total noninterest expense	$6,248,000	2,546
Salaries and employee benefits	$3,643,000	2,385
Premises and equipment expense	$898,000	2,523
Additional noninterest expense	$1,707,000	2,799
Pre-tax net operating income	$2,629,000	2,867
Securities gains (losses)	$40,000	1,907
Applicable income taxes	$510,000	3,316
Income before extraordinary items	$2,159,000	2,734
Extraordinary gains, net	$0	34
Net income	$2,159,000	2,737
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$229,000	2,373
Cash dividends	$1,502,000	1,710
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,126,600	2,709
2004-09-30 (YTD Data)		Rank
Total interest income	$7,876,000	2,675
Total interest expense	$2,386,000	2,461
Net interest income	$5,490,000	2,739
Provision for loan and lease losses	$173,000	3,301
Total noninterest income	$1,342,000	2,389
Gross Fiduciary activities income	$261,000	652
Service charges on deposit accounts	$795,000	1,662
Trading account gains and fees	$0	134
Additional Noninterest Income	$286,000	3,822
Total noninterest expense	$4,626,000	2,542
Salaries and employee benefits	$2,718,000	2,384
Premises and equipment expense	$653,000	2,583
Additional noninterest expense	$1,255,000	2,809
Pre-tax net operating income	$2,033,000	2,839
Securities gains (losses)	$36,000	1,910
Applicable income taxes	$425,000	3,198
Income before extraordinary items	$1,644,000	2,744
Extraordinary gains, net	$0	26
Net income	$1,644,000	2,745
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$148,000	2,279
Cash dividends	$1,076,000	1,624
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,615,560	2,715
2004-06-30 (YTD Data)		Rank
Total interest income	$5,258,000	2,655
Total interest expense	$1,622,000	2,390
Net interest income	$3,636,000	2,740
Provision for loan and lease losses	$107,000	3,361
Total noninterest income	$850,000	2,487
Gross Fiduciary activities income	$186,000	650
Service charges on deposit accounts	$507,000	1,722
Trading account gains and fees	$0	130
Additional Noninterest Income	$157,000	4,218
Total noninterest expense	$3,041,000	2,582
Salaries and employee benefits	$1,760,000	2,437
Premises and equipment expense	$440,000	2,556
Additional noninterest expense	$841,000	2,801
Pre-tax net operating income	$1,338,000	2,841
Securities gains (losses)	$36,000	1,674
Applicable income taxes	$284,000	3,171
Income before extraordinary items	$1,090,000	2,736
Extraordinary gains, net	$0	21
Net income	$1,090,000	2,737
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,000	2,199
Cash dividends	$711,000	1,674
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,061,560	2,718
2004-03-31 (YTD Data)		Rank
Total interest income	$2,637,000	2,642
Total interest expense	$832,000	2,356
Net interest income	$1,805,000	2,747
Provision for loan and lease losses	$63,000	2,874
Total noninterest income	$403,000	2,518
Gross Fiduciary activities income	$90,000	663
Service charges on deposit accounts	$244,000	1,747
Trading account gains and fees	$0	121
Additional Noninterest Income	$69,000	4,468
Total noninterest expense	$1,498,000	2,626
Salaries and employee benefits	$865,000	2,508
Premises and equipment expense	$226,000	2,509
Additional noninterest expense	$407,000	2,865
Pre-tax net operating income	$647,000	2,886
Securities gains (losses)	$36,000	1,385
Applicable income taxes	$144,000	3,165
Income before extraordinary items	$539,000	2,758
Extraordinary gains, net	$0	16
Net income	$539,000	2,758
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	1,622
Cash dividends	$308,000	1,683
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$510,560	2,796
2003-12-31 (YTD Data)		Rank
Total interest income	$11,778,000	2,425
Total interest expense	$3,893,000	2,267
Net interest income	$7,885,000	2,463
Provision for loan and lease losses	$388,000	2,652
Total noninterest income	$2,226,000	2,142
Gross Fiduciary activities income	$348,000	665
Service charges on deposit accounts	$1,024,000	1,688
Trading account gains and fees	$0	160
Additional Noninterest Income	$854,000	2,627
Total noninterest expense	$6,694,000	2,344
Salaries and employee benefits	$3,877,000	2,193
Premises and equipment expense	$886,000	2,524
Additional noninterest expense	$1,931,000	2,495
Pre-tax net operating income	$3,029,000	2,488
Securities gains (losses)	$81,000	2,082
Applicable income taxes	$700,000	2,802
Income before extraordinary items	$2,410,000	2,449
Extraordinary gains, net	$0	54
Net income	$2,410,000	2,452
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$522,000	1,562
Cash dividends	$1,329,000	1,910
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,347,630	2,398
2003-09-30 (YTD Data)		Rank
Total interest income	$9,064,000	2,404
Total interest expense	$3,011,000	2,284
Net interest income	$6,053,000	2,424
Provision for loan and lease losses	$205,000	3,293
Total noninterest income	$1,428,000	2,436
Gross Fiduciary activities income	$186,000	753
Service charges on deposit accounts	$769,000	1,682
Trading account gains and fees	$0	153
Additional Noninterest Income	$473,000	3,228
Total noninterest expense	$4,959,000	2,376
Salaries and employee benefits	$2,878,000	2,213
Premises and equipment expense	$670,000	2,516
Additional noninterest expense	$1,411,000	2,538
Pre-tax net operating income	$2,317,000	2,539
Securities gains (losses)	$44,000	2,422
Applicable income taxes	$532,000	2,922
Income before extraordinary items	$1,829,000	2,525
Extraordinary gains, net	$0	40
Net income	$1,829,000	2,523
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$308,000	1,679
Cash dividends	$653,000	2,262
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,795,120	2,445
2003-06-30 (YTD Data)		Rank
Total interest income	$6,197,000	2,366
Total interest expense	$2,088,000	2,265
Net interest income	$4,109,000	2,360
Provision for loan and lease losses	$134,000	3,297
Total noninterest income	$952,000	2,434
Gross Fiduciary activities income	$126,000	742
Service charges on deposit accounts	$496,000	1,706
Trading account gains and fees	$0	150
Additional Noninterest Income	$330,000	3,121
Total noninterest expense	$3,370,000	2,329
Salaries and employee benefits	$1,953,000	2,173
Premises and equipment expense	$453,000	2,460
Additional noninterest expense	$964,000	2,445
Pre-tax net operating income	$1,557,000	2,509
Securities gains (losses)	$44,000	2,102
Applicable income taxes	$370,000	2,846
Income before extraordinary items	$1,231,000	2,519
Extraordinary gains, net	$0	30
Net income	$1,231,000	2,516
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$213,000	1,585
Cash dividends	$381,000	2,544
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,197,120	2,436
2003-03-31 (YTD Data)		Rank
Total interest income	$3,222,000	2,288
Total interest expense	$1,065,000	2,285
Net interest income	$2,157,000	2,253
Provision for loan and lease losses	$50,000	3,651
Total noninterest income	$523,000	2,216
Gross Fiduciary activities income	$61,000	763
Service charges on deposit accounts	$256,000	1,600
Trading account gains and fees	$0	134
Additional Noninterest Income	$206,000	2,679
Total noninterest expense	$1,793,000	2,188
Salaries and employee benefits	$988,000	2,133
Premises and equipment expense	$231,000	2,404
Additional noninterest expense	$574,000	2,054
Pre-tax net operating income	$837,000	2,386
Securities gains (losses)	$0	2,891
Applicable income taxes	$210,000	2,601
Income before extraordinary items	$627,000	2,430
Extraordinary gains, net	$0	21
Net income	$627,000	2,428
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	1,853
Cash dividends	$203,000	2,180
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$627,000	2,294
2002-12-31 (YTD Data)		Rank
Total interest income	$13,751,000	2,229
Total interest expense	$4,951,000	2,269
Net interest income	$8,800,000	2,201
Provision for loan and lease losses	$344,000	3,167
Total noninterest income	$1,759,000	2,353
Gross Fiduciary activities income	$393,000	648
Service charges on deposit accounts	$1,003,000	1,614
Trading account gains and fees	$0	153
Additional Noninterest Income	$363,000	3,864
Total noninterest expense	$6,807,000	2,194
Salaries and employee benefits	$3,775,000	2,117
Premises and equipment expense	$973,000	2,243
Additional noninterest expense	$2,059,000	2,242
Pre-tax net operating income	$3,408,000	2,259
Securities gains (losses)	$3,000	4,139
Applicable income taxes	$800,000	2,596
Income before extraordinary items	$2,611,000	2,268
Extraordinary gains, net	$0	70
Net income	$2,611,000	2,268
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$347,000	2,150
Cash dividends	$966,000	2,326
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,608,690	2,203
2001-12-31 (YTD Data)		Rank
Total interest income	$15,017,000	2,272
Total interest expense	$6,576,000	2,443
Net interest income	$8,441,000	2,115
Provision for loan and lease losses	$317,000	3,088
Total noninterest income	$1,561,000	2,438
Gross Fiduciary activities income	$404,000	661
Service charges on deposit accounts	$909,000	1,661
Trading account gains and fees	$0	177
Additional Noninterest Income	$248,000	4,504
Total noninterest expense	$6,702,000	2,141
Salaries and employee benefits	$4,032,000	1,860
Premises and equipment expense	$741,000	2,818
Additional noninterest expense	$1,929,000	2,315
Pre-tax net operating income	$2,983,000	2,277
Securities gains (losses)	$81,000	1,924
Applicable income taxes	$680,000	2,723
Income before extraordinary items	$2,384,000	2,180
Extraordinary gains, net	$0	105
Net income	$2,384,000	2,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$257,000	2,450
Cash dividends	$1,218,000	1,946
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,320,820	2,162
2000-12-31 (YTD Data)		Rank
Total interest income	$14,954,000	2,340
Total interest expense	$6,684,000	2,515
Net interest income	$8,270,000	2,139
Provision for loan and lease losses	$269,000	3,098
Total noninterest income	$1,412,000	2,455
Gross Fiduciary activities income	$347,000	688
Service charges on deposit accounts	$760,000	1,833
Trading account gains and fees	$0	180
Additional Noninterest Income	$305,000	3,878
Total noninterest expense	$6,058,000	2,262
Salaries and employee benefits	$3,584,000	1,989
Premises and equipment expense	$686,000	2,917
Additional noninterest expense	$1,788,000	2,399
Pre-tax net operating income	$3,355,000	2,158
Securities gains (losses)	$-2,000	7,578
Applicable income taxes	$790,000	2,544
Income before extraordinary items	$2,563,000	2,031
Extraordinary gains, net	$0	38
Net income	$2,563,000	2,031
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$157,000	2,782
Cash dividends	$1,179,000	2,024
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,564,520	2,039
1999-12-31 (YTD Data)		Rank
Total interest income	$13,891,000	2,347
Total interest expense	$6,268,000	2,343
Net interest income	$7,623,000	2,314
Provision for loan and lease losses	$357,000	2,320
Total noninterest income	$1,291,000	2,556
Gross Fiduciary activities income	$369,000	724
Service charges on deposit accounts	$667,000	1,990
Trading account gains and fees	$0	173
Additional Noninterest Income	$255,000	4,389
Total noninterest expense	$5,600,000	2,422
Salaries and employee benefits	$3,372,000	2,080
Premises and equipment expense	$626,000	3,136
Additional noninterest expense	$1,602,000	2,697
Pre-tax net operating income	$2,957,000	2,442
Securities gains (losses)	$-13,000	9,410
Applicable income taxes	$625,000	3,133
Income before extraordinary items	$2,319,000	2,254
Extraordinary gains, net	$0	35
Net income	$2,319,000	2,255
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$157,000	2,777
Cash dividends	$720,000	2,853
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,329,270	2,224
1998-12-31 (YTD Data)		Rank
Total interest income	$12,823,000	2,548
Total interest expense	$5,669,000	2,674
Net interest income	$7,154,000	2,380
Provision for loan and lease losses	$404,000	2,045
Total noninterest income	$1,110,000	2,863
Gross Fiduciary activities income	$287,000	791
Service charges on deposit accounts	$588,000	2,191
Trading account gains and fees	$0	224
Additional Noninterest Income	$235,000	4,550
Total noninterest expense	$5,179,000	2,513
Salaries and employee benefits	$3,141,000	2,155
Premises and equipment expense	$605,000	3,146
Additional noninterest expense	$1,433,000	2,888
Pre-tax net operating income	$2,681,000	2,624
Securities gains (losses)	$7,000	3,223
Applicable income taxes	$543,000	3,644
Income before extraordinary items	$2,145,000	2,399
Extraordinary gains, net	$0	32
Net income	$2,145,000	2,398
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$162,000	2,792
Cash dividends	$662,000	2,943
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$2,139,400	2,324
1997-12-31 (YTD Data)		Rank
Total interest income	$11,848,000	2,772
Total interest expense	$5,182,000	2,885
Net interest income	$6,666,000	2,608
Provision for loan and lease losses	$251,000	2,923
Total noninterest income	$1,023,000	2,991
Gross Fiduciary activities income	$279,000	824
Service charges on deposit accounts	$512,000	2,565
Trading account gains and fees	$0	239
Additional Noninterest Income	$232,000	4,581
Total noninterest expense	$5,001,000	2,566
Salaries and employee benefits	$2,960,000	2,234
Premises and equipment expense	$607,000	3,122
Additional noninterest expense	$1,434,000	2,852
Pre-tax net operating income	$2,437,000	2,975
Securities gains (losses)	$-8,000	9,909
Applicable income taxes	$499,000	4,213
Income before extraordinary items	$1,930,000	2,665
Extraordinary gains, net	$0	44
Net income	$1,930,000	2,664
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$123,000	3,402
Cash dividends	$577,000	3,184
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,936,320	2,614
1996-12-31 (YTD Data)		Rank
Total interest income	$11,313,000	2,918
Total interest expense	$4,922,000	3,049
Net interest income	$6,391,000	2,766
Provision for loan and lease losses	$233,000	3,098
Total noninterest income	$959,000	3,231
Gross Fiduciary activities income	$246,000	916
Service charges on deposit accounts	$508,000	2,688
Trading account gains and fees	$0	262
Additional Noninterest Income	$205,000	5,093
Total noninterest expense	$4,850,000	2,818
Salaries and employee benefits	$2,812,000	2,361
Premises and equipment expense	$612,000	3,148
Additional noninterest expense	$1,426,000	3,258
Pre-tax net operating income	$2,267,000	3,075
Securities gains (losses)	$0	4,148
Applicable income taxes	$514,000	4,064
Income before extraordinary items	$1,753,000	2,774
Extraordinary gains, net	$0	53
Net income	$1,753,000	2,776
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	2,906
Cash dividends	$515,000	3,324
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,753,000	2,728
1995-12-31 (YTD Data)		Rank
Total interest income	$10,614,000	3,125
Total interest expense	$4,307,000	3,461
Net interest income	$6,307,000	2,835
Provision for loan and lease losses	$304,000	2,255
Total noninterest income	$927,000	3,289
Gross Fiduciary activities income	$222,000	975
Service charges on deposit accounts	$501,000	2,721
Trading account gains and fees	$0	522
Additional Noninterest Income	$204,000	5,077
Total noninterest expense	$4,629,000	2,908
Salaries and employee benefits	$2,596,000	2,575
Premises and equipment expense	$636,000	3,062
Additional noninterest expense	$1,397,000	3,270
Pre-tax net operating income	$2,301,000	3,079
Securities gains (losses)	$0	3,831
Applicable income taxes	$605,000	3,636
Income before extraordinary items	$1,696,000	2,902
Extraordinary gains, net	$-177,000	11,942
Net income	$1,519,000	3,212
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$172,000	2,758
Cash dividends	$433,000	3,682
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,696,000	2,866
1994-12-31 (YTD Data)		Rank
Total interest income	$9,248,000	3,261
Total interest expense	$3,572,000	3,390
Net interest income	$5,676,000	3,157
Provision for loan and lease losses	$206,000	2,963
Total noninterest income	$915,000	3,322
Gross Fiduciary activities income	$251,000	966
Service charges on deposit accounts	$482,000	2,869
Trading account gains and fees	$0	475
Additional Noninterest Income	$182,000	5,577
Total noninterest expense	$4,525,000	3,044
Salaries and employee benefits	$2,483,000	2,689
Premises and equipment expense	$673,000	2,926
Additional noninterest expense	$1,369,000	3,603
Pre-tax net operating income	$1,860,000	3,641
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$506,000	4,017
Income before extraordinary items	$1,353,000	3,467
Extraordinary gains, net	$0	249
Net income	$1,353,000	3,474
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,000	3,325
Cash dividends	$368,000	3,956
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,353,730	3,495
1993-12-31 (YTD Data)		Rank
Total interest income	$9,036,000	3,399
Total interest expense	$3,686,000	3,419
Net interest income	$5,350,000	3,351
Provision for loan and lease losses	$186,000	4,080
Total noninterest income	$916,000	3,581
Gross Fiduciary activities income	$290,000	952
Service charges on deposit accounts	$460,000	3,027
Trading account gains and fees	$0	532
Additional Noninterest Income	$166,000	6,237
Total noninterest expense	$4,353,000	3,216
Salaries and employee benefits	$2,425,000	2,734
Premises and equipment expense	$691,000	2,920
Additional noninterest expense	$1,237,000	4,088
Pre-tax net operating income	$1,727,000	3,839
Securities gains (losses)	$31,000	4,064
Applicable income taxes	$456,000	4,544
Income before extraordinary items	$1,302,000	3,700
Extraordinary gains, net	$0	3,149
Net income	$1,302,000	3,815
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	4,830
Cash dividends	$344,000	4,051
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,279,060	3,577
1992-12-31 (YTD Data)		Rank
Total interest income	$9,695,000	3,599
Total interest expense	$4,423,000	3,705
Net interest income	$5,272,000	3,463
Provision for loan and lease losses	$270,000	4,396
Total noninterest income	$823,000	3,893
Gross Fiduciary activities income	$224,000	1,051
Service charges on deposit accounts	$442,000	3,171
Trading account gains and fees	$0	504
Additional Noninterest Income	$157,000	6,481
Total noninterest expense	$4,286,000	3,287
Salaries and employee benefits	$2,317,000	2,801
Premises and equipment expense	$693,000	2,942
Additional noninterest expense	$1,276,000	4,110
Pre-tax net operating income	$1,539,000	3,952
Securities gains (losses)	$0	8,369
Applicable income taxes	$334,000	5,534
Income before extraordinary items	$1,205,000	3,791
Extraordinary gains, net	$0	1,422
Net income	$1,205,000	3,833
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$120,000	5,442
Cash dividends	$328,000	3,804
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,205,000	3,512

* 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.