Home > Iowa - Nebraska State Bank > Income and Expense

Iowa - Nebraska State Bank, Income and Expense

2018-09-30 (YTD Data)		Rank
Total interest income	$5,354,000	3,145
Total interest expense	$504,000	3,452
Net interest income	$4,850,000	3,051
Provision for loan and lease losses	$-300,000	5,346
Total noninterest income	$2,659,000	1,389
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$1,198,000	773
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,461,000	1,536
Total noninterest expense	$5,675,000	2,339
Salaries and employee benefits	$3,229,000	2,341
Premises and equipment expense	$628,000	2,312
Additional noninterest expense	$1,818,000	2,274
Pre-tax net operating income	$2,134,000	2,626
Securities gains (losses)	$0	1,118
Applicable income taxes	$95,000	3,035
Income before extraordinary items	$2,039,000	2,489
Extraordinary gains, net	$0	5
Net income	$2,039,000	2,488
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,039,000	2,488
Net charge-offs	$4,000	3,250
Cash dividends	$121,000	3,302
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,039,000	2,484
2018-06-30 (YTD Data)		Rank
Total interest income	$3,548,000	3,143
Total interest expense	$305,000	3,538
Net interest income	$3,243,000	3,043
Provision for loan and lease losses	$-300,000	5,431
Total noninterest income	$1,709,000	1,430
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$777,000	787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$932,000	1,595
Total noninterest expense	$3,754,000	2,361
Salaries and employee benefits	$2,134,000	2,365
Premises and equipment expense	$411,000	2,366
Additional noninterest expense	$1,209,000	2,279
Pre-tax net operating income	$1,498,000	2,524
Securities gains (losses)	$0	961
Applicable income taxes	$68,000	2,966
Income before extraordinary items	$1,430,000	2,380
Extraordinary gains, net	$0	6
Net income	$1,430,000	2,379
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,430,000	2,379
Net charge-offs	$2,000	3,018
Cash dividends	$79,000	3,253
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,430,000	2,374
2018-03-31 (YTD Data)		Rank
Total interest income	$1,723,000	3,194
Total interest expense	$138,000	3,642
Net interest income	$1,585,000	3,107
Provision for loan and lease losses	$-300,000	5,541
Total noninterest income	$814,000	1,470
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$369,000	826
Trading account gains and fees	NA	NA
Additional Noninterest Income	$445,000	1,594
Total noninterest expense	$1,884,000	2,371
Salaries and employee benefits	$1,078,000	2,377
Premises and equipment expense	$205,000	2,405
Additional noninterest expense	$601,000	2,272
Pre-tax net operating income	$815,000	2,363
Securities gains (losses)	$0	735
Applicable income taxes	$42,000	2,813
Income before extraordinary items	$773,000	2,212
Extraordinary gains, net	$0	7
Net income	$773,000	2,211
Minority interest net income	$0	52
Net income of bank and minority interests.	$773,000	2,212
Net charge-offs	$-7,000	4,604
Cash dividends	$37,000	2,626
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$773,000	2,206
2017-12-31 (YTD Data)		Rank
Total interest income	$6,534,000	3,248
Total interest expense	$489,000	3,704
Net interest income	$6,045,000	3,163
Provision for loan and lease losses	$-150,000	5,403
Total noninterest income	$3,596,000	1,386
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,553,000	795
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,043,000	1,512
Total noninterest expense	$7,505,000	2,384
Salaries and employee benefits	$4,151,000	2,410
Premises and equipment expense	$698,000	2,661
Additional noninterest expense	$2,656,000	2,152
Pre-tax net operating income	$2,286,000	2,897
Securities gains (losses)	$10,000	1,604
Applicable income taxes	$102,000	3,273
Income before extraordinary items	$2,194,000	2,527
Extraordinary gains, net	$0	9
Net income	$2,194,000	2,527
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,194,000	2,527
Net charge-offs	$25,000	3,327
Cash dividends	$1,536,000	1,686
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,184,400	2,521
2017-09-30 (YTD Data)		Rank
Total interest income	$4,795,000	3,308
Total interest expense	$354,000	3,781
Net interest income	$4,441,000	3,227
Provision for loan and lease losses	$-100,000	5,522
Total noninterest income	$2,619,000	1,420
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$1,164,000	801
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,455,000	1,583
Total noninterest expense	$5,622,000	2,396
Salaries and employee benefits	$3,050,000	2,451
Premises and equipment expense	$617,000	2,420
Additional noninterest expense	$1,955,000	2,172
Pre-tax net operating income	$1,538,000	3,122
Securities gains (losses)	$14,000	1,480
Applicable income taxes	$73,000	3,308
Income before extraordinary items	$1,479,000	2,886
Extraordinary gains, net	$0	9
Net income	$1,479,000	2,885
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,479,000	2,886
Net charge-offs	$29,000	2,799
Cash dividends	$601,000	2,214
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,465,700	2,876
2017-06-30 (YTD Data)		Rank
Total interest income	$3,168,000	3,326
Total interest expense	$241,000	3,722
Net interest income	$2,927,000	3,241
Provision for loan and lease losses	$-100,000	5,616
Total noninterest income	$1,718,000	1,453
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$758,000	808
Trading account gains and fees	NA	NA
Additional Noninterest Income	$960,000	1,587
Total noninterest expense	$3,712,000	2,416
Salaries and employee benefits	$2,030,000	2,462
Premises and equipment expense	$513,000	2,079
Additional noninterest expense	$1,169,000	2,377
Pre-tax net operating income	$1,033,000	3,075
Securities gains (losses)	$15,000	1,091
Applicable income taxes	$47,000	3,337
Income before extraordinary items	$1,001,000	2,816
Extraordinary gains, net	$0	11
Net income	$1,001,000	2,816
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,001,000	2,816
Net charge-offs	$-30,000	5,135
Cash dividends	$566,000	1,868
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$986,600	2,829
2017-03-31 (YTD Data)		Rank
Total interest income	$1,550,000	3,371
Total interest expense	$121,000	3,707
Net interest income	$1,429,000	3,295
Provision for loan and lease losses	$-50,000	5,708
Total noninterest income	$810,000	1,497
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$381,000	803
Trading account gains and fees	NA	NA
Additional Noninterest Income	$429,000	1,684
Total noninterest expense	$1,883,000	2,404
Salaries and employee benefits	$1,021,000	2,489
Premises and equipment expense	$268,000	2,035
Additional noninterest expense	$594,000	2,341
Pre-tax net operating income	$406,000	3,399
Securities gains (losses)	$2,000	951
Applicable income taxes	$22,000	3,318
Income before extraordinary items	$386,000	3,198
Extraordinary gains, net	$0	8
Net income	$386,000	3,196
Minority interest net income	$0	55
Net income of bank and minority interests.	$386,000	3,198
Net charge-offs	$-23,000	5,304
Cash dividends	$31,000	2,714
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$384,100	3,184
2016-12-31 (YTD Data)		Rank
Total interest income	$6,356,000	3,310
Total interest expense	$525,000	3,560
Net interest income	$5,831,000	3,246
Provision for loan and lease losses	$0	4,332
Total noninterest income	$4,365,000	1,263
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$1,632,000	774
Trading account gains and fees	$0	170
Additional Noninterest Income	$2,733,000	1,294
Total noninterest expense	$7,843,000	2,328
Salaries and employee benefits	$4,075,000	2,463
Premises and equipment expense	$1,222,000	1,830
Additional noninterest expense	$2,546,000	2,282
Pre-tax net operating income	$2,353,000	2,769
Securities gains (losses)	$127,000	1,171
Applicable income taxes	$96,000	3,330
Income before extraordinary items	$2,384,000	2,490
Extraordinary gains, net	$0	5
Net income	$2,384,000	2,489
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,384,000	2,490
Net charge-offs	$137,000	2,313
Cash dividends	$921,000	2,315
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,262,080	2,525
2016-09-30 (YTD Data)		Rank
Total interest income	$4,819,000	3,299
Total interest expense	$399,000	3,558
Net interest income	$4,420,000	3,247
Provision for loan and lease losses	$0	4,186
Total noninterest income	$3,451,000	1,210
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$1,210,000	787
Trading account gains and fees	$0	169
Additional Noninterest Income	$2,241,000	1,206
Total noninterest expense	$5,878,000	2,334
Salaries and employee benefits	$3,069,000	2,443
Premises and equipment expense	$920,000	1,836
Additional noninterest expense	$1,889,000	2,293
Pre-tax net operating income	$1,993,000	2,630
Securities gains (losses)	$127,000	1,102
Applicable income taxes	$71,000	3,410
Income before extraordinary items	$2,049,000	2,299
Extraordinary gains, net	$0	5
Net income	$2,049,000	2,298
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,049,000	2,299
Net charge-offs	$133,000	1,799
Cash dividends	$90,000	3,528
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,925,810	2,349
2016-06-30 (YTD Data)		Rank
Total interest income	$3,262,000	3,288
Total interest expense	$274,000	3,530
Net interest income	$2,988,000	3,227
Provision for loan and lease losses	$0	4,017
Total noninterest income	$1,687,000	1,489
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$775,000	804
Trading account gains and fees	$0	157
Additional Noninterest Income	$912,000	1,659
Total noninterest expense	$3,872,000	2,367
Salaries and employee benefits	$2,046,000	2,465
Premises and equipment expense	$562,000	1,955
Additional noninterest expense	$1,264,000	2,296
Pre-tax net operating income	$803,000	3,450
Securities gains (losses)	$94,000	1,006
Applicable income taxes	$52,000	3,375
Income before extraordinary items	$845,000	3,086
Extraordinary gains, net	$0	16
Net income	$845,000	3,085
Minority interest net income	$0	71
Net income of bank and minority interests.	$845,000	3,085
Net charge-offs	$132,000	1,406
Cash dividends	$59,000	3,434
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$756,640	3,224
2016-03-31 (YTD Data)		Rank
Total interest income	$1,597,000	3,340
Total interest expense	$138,000	3,540
Net interest income	$1,459,000	3,277
Provision for loan and lease losses	$0	3,656
Total noninterest income	$768,000	1,561
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$364,000	842
Trading account gains and fees	$0	142
Additional Noninterest Income	$404,000	1,728
Total noninterest expense	$1,928,000	2,376
Salaries and employee benefits	$1,038,000	2,448
Premises and equipment expense	$274,000	2,007
Additional noninterest expense	$616,000	2,335
Pre-tax net operating income	$299,000	3,864
Securities gains (losses)	$68,000	688
Applicable income taxes	$31,000	3,256
Income before extraordinary items	$336,000	3,436
Extraordinary gains, net	$0	12
Net income	$336,000	3,431
Minority interest net income	$0	62
Net income of bank and minority interests.	$336,000	3,433
Net charge-offs	$79,000	1,150
Cash dividends	$29,000	2,743
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$273,440	3,722
2015-12-31 (YTD Data)		Rank
Total interest income	$6,194,000	3,373
Total interest expense	$521,000	3,645
Net interest income	$5,673,000	3,314
Provision for loan and lease losses	$0	4,380
Total noninterest income	$3,214,000	1,525
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$1,690,000	776
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,524,000	1,830
Total noninterest expense	$7,711,000	2,376
Salaries and employee benefits	$4,082,000	2,453
Premises and equipment expense	$1,084,000	2,047
Additional noninterest expense	$2,545,000	2,307
Pre-tax net operating income	$1,176,000	3,868
Securities gains (losses)	$94,000	1,218
Applicable income taxes	$78,000	3,442
Income before extraordinary items	$1,192,000	3,642
Extraordinary gains, net	$0	23
Net income	$1,192,000	3,641
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,192,000	3,643
Net charge-offs	$517,000	1,137
Cash dividends	$608,000	2,707
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,103,640	3,712
2015-09-30 (YTD Data)		Rank
Total interest income	$4,631,000	3,419
Total interest expense	$392,000	3,697
Net interest income	$4,239,000	3,349
Provision for loan and lease losses	$0	4,232
Total noninterest income	$2,389,000	1,552
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$1,272,000	775
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,117,000	1,882
Total noninterest expense	$5,802,000	2,358
Salaries and employee benefits	$3,086,000	2,432
Premises and equipment expense	$850,000	2,000
Additional noninterest expense	$1,866,000	2,345
Pre-tax net operating income	$826,000	4,040
Securities gains (losses)	$55,000	1,403
Applicable income taxes	$58,000	3,570
Income before extraordinary items	$823,000	3,833
Extraordinary gains, net	$0	21
Net income	$823,000	3,832
Minority interest net income	$0	78
Net income of bank and minority interests.	$823,000	3,833
Net charge-offs	$-20,000	5,343
Cash dividends	$81,000	3,529
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$771,850	3,888
2015-06-30 (YTD Data)		Rank
Total interest income	$3,059,000	3,446
Total interest expense	$259,000	3,743
Net interest income	$2,800,000	3,379
Provision for loan and lease losses	$0	4,069
Total noninterest income	$1,547,000	1,584
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$805,000	801
Trading account gains and fees	$0	157
Additional Noninterest Income	$742,000	1,897
Total noninterest expense	$3,868,000	2,370
Salaries and employee benefits	$2,097,000	2,403
Premises and equipment expense	$570,000	1,997
Additional noninterest expense	$1,201,000	2,420
Pre-tax net operating income	$479,000	4,228
Securities gains (losses)	$56,000	1,170
Applicable income taxes	$39,000	3,581
Income before extraordinary items	$496,000	3,991
Extraordinary gains, net	$0	22
Net income	$496,000	3,991
Minority interest net income	$0	75
Net income of bank and minority interests.	$496,000	3,993
Net charge-offs	$-13,000	5,334
Cash dividends	$54,000	3,419
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$443,920	4,103
2015-03-31 (YTD Data)		Rank
Total interest income	$1,489,000	3,510
Total interest expense	$128,000	3,789
Net interest income	$1,361,000	3,443
Provision for loan and lease losses	$0	3,703
Total noninterest income	$715,000	1,625
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$379,000	819
Trading account gains and fees	$0	152
Additional Noninterest Income	$336,000	1,968
Total noninterest expense	$1,912,000	2,401
Salaries and employee benefits	$1,054,000	2,407
Premises and equipment expense	$279,000	2,068
Additional noninterest expense	$579,000	2,495
Pre-tax net operating income	$164,000	4,716
Securities gains (losses)	$26,000	1,118
Applicable income taxes	$19,000	3,552
Income before extraordinary items	$171,000	4,518
Extraordinary gains, net	$0	13
Net income	$171,000	4,520
Minority interest net income	$0	64
Net income of bank and minority interests.	$171,000	4,522
Net charge-offs	$-4,000	5,028
Cash dividends	$26,000	2,729
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$147,600	4,631
2014-12-31 (YTD Data)		Rank
Total interest income	$5,785,000	3,608
Total interest expense	$556,000	3,793
Net interest income	$5,229,000	3,543
Provision for loan and lease losses	$0	4,603
Total noninterest income	$3,128,000	1,521
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,732,000	779
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,396,000	1,857
Total noninterest expense	$7,333,000	2,509
Salaries and employee benefits	$4,189,000	2,396
Premises and equipment expense	$1,032,000	2,182
Additional noninterest expense	$2,112,000	2,754
Pre-tax net operating income	$1,024,000	4,090
Securities gains (losses)	$127,000	1,088
Applicable income taxes	$95,000	3,421
Income before extraordinary items	$1,056,000	3,869
Extraordinary gains, net	$0	17
Net income	$1,056,000	3,869
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,056,000	3,870
Net charge-offs	$150,000	2,784
Cash dividends	$682,000	2,501
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$939,160	4,008
2014-09-30 (YTD Data)		Rank
Total interest income	$4,288,000	3,663
Total interest expense	$420,000	3,840
Net interest income	$3,868,000	3,598
Provision for loan and lease losses	$0	4,401
Total noninterest income	$2,302,000	1,548
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$1,270,000	800
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,032,000	1,891
Total noninterest expense	$5,523,000	2,504
Salaries and employee benefits	$3,130,000	2,392
Premises and equipment expense	$835,000	2,069
Additional noninterest expense	$1,558,000	2,800
Pre-tax net operating income	$647,000	4,480
Securities gains (losses)	$44,000	1,517
Applicable income taxes	$69,000	3,494
Income before extraordinary items	$622,000	4,299
Extraordinary gains, net	$0	15
Net income	$622,000	4,300
Minority interest net income	$0	81
Net income of bank and minority interests.	$622,000	4,300
Net charge-offs	$161,000	2,226
Cash dividends	$356,000	2,580
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$582,400	4,350
2014-06-30 (YTD Data)		Rank
Total interest income	$2,813,000	3,706
Total interest expense	$281,000	3,870
Net interest income	$2,532,000	3,639
Provision for loan and lease losses	$0	4,196
Total noninterest income	$1,489,000	1,558
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$817,000	821
Trading account gains and fees	$0	172
Additional Noninterest Income	$672,000	1,902
Total noninterest expense	$3,653,000	2,529
Salaries and employee benefits	$2,081,000	2,409
Premises and equipment expense	$556,000	2,080
Additional noninterest expense	$1,016,000	2,841
Pre-tax net operating income	$368,000	4,635
Securities gains (losses)	$44,000	1,240
Applicable income taxes	$56,000	3,384
Income before extraordinary items	$356,000	4,480
Extraordinary gains, net	$0	20
Net income	$356,000	4,484
Minority interest net income	$0	80
Net income of bank and minority interests.	$356,000	4,485
Net charge-offs	$170,000	1,737
Cash dividends	$204,000	2,682
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$318,160	4,591
2014-03-31 (YTD Data)		Rank
Total interest income	$1,378,000	3,763
Total interest expense	$140,000	3,943
Net interest income	$1,238,000	3,710
Provision for loan and lease losses	$0	3,817
Total noninterest income	$728,000	1,551
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$388,000	837
Trading account gains and fees	$0	147
Additional Noninterest Income	$340,000	1,849
Total noninterest expense	$1,776,000	2,596
Salaries and employee benefits	$1,023,000	2,453
Premises and equipment expense	$287,000	2,064
Additional noninterest expense	$466,000	3,058
Pre-tax net operating income	$190,000	4,554
Securities gains (losses)	$15,000	1,042
Applicable income taxes	$39,000	3,125
Income before extraordinary items	$166,000	4,533
Extraordinary gains, net	$0	16
Net income	$166,000	4,537
Minority interest net income	$0	66
Net income of bank and minority interests.	$166,000	4,537
Net charge-offs	$5,000	3,116
Cash dividends	$27,000	2,712
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$153,850	4,605
2013-12-31 (YTD Data)		Rank
Total interest income	$5,720,000	3,743
Total interest expense	$641,000	3,952
Net interest income	$5,079,000	3,673
Provision for loan and lease losses	$-125,000	6,407
Total noninterest income	$2,921,000	1,634
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,701,000	818
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,220,000	2,112
Total noninterest expense	$7,169,000	2,570
Salaries and employee benefits	$4,106,000	2,418
Premises and equipment expense	$1,129,000	2,014
Additional noninterest expense	$1,934,000	3,053
Pre-tax net operating income	$956,000	4,152
Securities gains (losses)	$282,000	720
Applicable income taxes	$70,000	3,612
Income before extraordinary items	$1,168,000	3,610
Extraordinary gains, net	$0	29
Net income	$1,168,000	3,612
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,168,000	3,614
Net charge-offs	$28,000	4,684
Cash dividends	$706,000	2,349
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$902,920	4,025
2013-09-30 (YTD Data)		Rank
Total interest income	$4,293,000	3,776
Total interest expense	$496,000	3,958
Net interest income	$3,797,000	3,700
Provision for loan and lease losses	$-125,000	6,584
Total noninterest income	$2,197,000	1,670
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$1,278,000	819
Trading account gains and fees	$0	180
Additional Noninterest Income	$919,000	2,171
Total noninterest expense	$5,396,000	2,575
Salaries and employee benefits	$3,039,000	2,464
Premises and equipment expense	$869,000	1,988
Additional noninterest expense	$1,488,000	2,995
Pre-tax net operating income	$723,000	4,218
Securities gains (losses)	$267,000	691
Applicable income taxes	$55,000	3,672
Income before extraordinary items	$935,000	3,549
Extraordinary gains, net	$0	25
Net income	$935,000	3,551
Minority interest net income	$0	84
Net income of bank and minority interests.	$935,000	3,553
Net charge-offs	$12,000	4,641
Cash dividends	$429,000	2,254
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$684,020	4,024
2013-06-30 (YTD Data)		Rank
Total interest income	$2,857,000	3,782
Total interest expense	$346,000	3,920
Net interest income	$2,511,000	3,707
Provision for loan and lease losses	$-125,000	6,698
Total noninterest income	$1,433,000	1,702
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$832,000	827
Trading account gains and fees	$0	157
Additional Noninterest Income	$601,000	2,232
Total noninterest expense	$3,615,000	2,569
Salaries and employee benefits	$2,034,000	2,461
Premises and equipment expense	$587,000	1,958
Additional noninterest expense	$994,000	2,983
Pre-tax net operating income	$454,000	4,299
Securities gains (losses)	$13,000	2,195
Applicable income taxes	$40,000	3,616
Income before extraordinary items	$427,000	4,208
Extraordinary gains, net	$0	22
Net income	$427,000	4,210
Minority interest net income	$0	82
Net income of bank and minority interests.	$427,000	4,211
Net charge-offs	$1,000	4,803
Cash dividends	$152,000	2,731
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$415,170	4,148
2013-03-31 (YTD Data)		Rank
Total interest income	$1,454,000	3,770
Total interest expense	$198,000	3,694
Net interest income	$1,256,000	3,715
Provision for loan and lease losses	$-125,000	6,858
Total noninterest income	$707,000	1,711
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$405,000	834
Trading account gains and fees	$0	148
Additional Noninterest Income	$302,000	2,209
Total noninterest expense	$1,883,000	2,495
Salaries and employee benefits	$1,018,000	2,480
Premises and equipment expense	$284,000	2,062
Additional noninterest expense	$581,000	2,620
Pre-tax net operating income	$205,000	4,427
Securities gains (losses)	$2,000	1,785
Applicable income taxes	$25,000	3,473
Income before extraordinary items	$182,000	4,429
Extraordinary gains, net	$0	10
Net income	$182,000	4,432
Minority interest net income	$0	76
Net income of bank and minority interests.	$182,000	4,431
Net charge-offs	$4,000	3,745
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$180,240	4,354
2012-12-31 (YTD Data)		Rank
Total interest income	$6,594,000	3,599
Total interest expense	$1,240,000	3,139
Net interest income	$5,354,000	3,639
Provision for loan and lease losses	$250,000	3,619
Total noninterest income	$2,924,000	1,663
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$1,728,000	815
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,196,000	2,149
Total noninterest expense	$7,214,000	2,598
Salaries and employee benefits	$4,000,000	2,448
Premises and equipment expense	$1,175,000	1,982
Additional noninterest expense	$2,039,000	3,060
Pre-tax net operating income	$814,000	4,320
Securities gains (losses)	$61,000	2,600
Applicable income taxes	$46,000	3,927
Income before extraordinary items	$829,000	4,226
Extraordinary gains, net	$0	29
Net income	$829,000	4,225
Minority interest net income	$0	93
Net income of bank and minority interests.	$829,000	4,227
Net charge-offs	$329,000	3,193
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$771,050	4,154
2012-09-30 (YTD Data)		Rank
Total interest income	$5,006,000	3,631
Total interest expense	$986,000	3,108
Net interest income	$4,020,000	3,698
Provision for loan and lease losses	$240,000	3,256
Total noninterest income	$2,185,000	1,676
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$1,280,000	826
Trading account gains and fees	$0	157
Additional Noninterest Income	$905,000	2,122
Total noninterest expense	$5,444,000	2,600
Salaries and employee benefits	$2,960,000	2,488
Premises and equipment expense	$930,000	1,916
Additional noninterest expense	$1,554,000	3,023
Pre-tax net operating income	$521,000	4,670
Securities gains (losses)	$14,000	3,018
Applicable income taxes	$31,000	4,010
Income before extraordinary items	$504,000	4,637
Extraordinary gains, net	$0	20
Net income	$504,000	4,635
Minority interest net income	$0	86
Net income of bank and minority interests.	$504,000	4,635
Net charge-offs	$102,000	3,951
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$490,840	4,493
2012-06-30 (YTD Data)		Rank
Total interest income	$3,337,000	3,656
Total interest expense	$714,000	3,009
Net interest income	$2,623,000	3,771
Provision for loan and lease losses	$200,000	2,964
Total noninterest income	$1,475,000	1,646
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$827,000	843
Trading account gains and fees	$0	153
Additional Noninterest Income	$648,000	2,011
Total noninterest expense	$3,600,000	2,624
Salaries and employee benefits	$1,962,000	2,505
Premises and equipment expense	$631,000	1,881
Additional noninterest expense	$1,007,000	3,107
Pre-tax net operating income	$298,000	4,844
Securities gains (losses)	$14,000	2,626
Applicable income taxes	$22,000	3,966
Income before extraordinary items	$290,000	4,864
Extraordinary gains, net	$0	19
Net income	$290,000	4,867
Minority interest net income	$0	84
Net income of bank and minority interests.	$290,000	4,867
Net charge-offs	$54,000	3,967
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$276,980	4,740
2012-03-31 (YTD Data)		Rank
Total interest income	$1,700,000	3,651
Total interest expense	$384,000	2,948
Net interest income	$1,316,000	3,778
Provision for loan and lease losses	$150,000	2,302
Total noninterest income	$716,000	1,670
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$391,000	884
Trading account gains and fees	$0	148
Additional Noninterest Income	$325,000	2,007
Total noninterest expense	$1,702,000	2,738
Salaries and employee benefits	$911,000	2,719
Premises and equipment expense	$325,000	1,822
Additional noninterest expense	$466,000	3,266
Pre-tax net operating income	$180,000	4,668
Securities gains (losses)	$14,000	1,707
Applicable income taxes	$13,000	3,884
Income before extraordinary items	$181,000	4,536
Extraordinary gains, net	$0	19
Net income	$181,000	4,539
Minority interest net income	$0	78
Net income of bank and minority interests.	$181,000	4,539
Net charge-offs	$44,000	3,112
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$167,980	4,532
2011-12-31 (YTD Data)		Rank
Total interest income	$7,575,000	3,474
Total interest expense	$1,963,000	2,819
Net interest income	$5,612,000	3,641
Provision for loan and lease losses	$900,000	2,561
Total noninterest income	$2,762,000	1,594
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$1,747,000	844
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,015,000	2,113
Total noninterest expense	$7,088,000	2,640
Salaries and employee benefits	$3,796,000	2,526
Premises and equipment expense	$1,205,000	2,056
Additional noninterest expense	$2,087,000	3,023
Pre-tax net operating income	$386,000	5,010
Securities gains (losses)	$96,000	2,097
Applicable income taxes	$0	4,719
Income before extraordinary items	$482,000	4,711
Extraordinary gains, net	$0	29
Net income	$482,000	4,713
Minority interest net income	$0	96
Net income of bank and minority interests.	$482,000	4,712
Net charge-offs	$914,000	2,466
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$386,000	4,855
2011-09-30 (YTD Data)		Rank
Total interest income	$5,731,000	3,488
Total interest expense	$1,509,000	2,859
Net interest income	$4,222,000	3,641
Provision for loan and lease losses	$750,000	2,344
Total noninterest income	$1,943,000	1,644
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$1,315,000	847
Trading account gains and fees	$0	145
Additional Noninterest Income	$628,000	2,362
Total noninterest expense	$5,205,000	2,691
Salaries and employee benefits	$2,772,000	2,597
Premises and equipment expense	$933,000	2,013
Additional noninterest expense	$1,500,000	3,157
Pre-tax net operating income	$210,000	5,428
Securities gains (losses)	$0	3,555
Applicable income taxes	$0	4,740
Income before extraordinary items	$210,000	5,456
Extraordinary gains, net	$0	21
Net income	$210,000	5,456
Minority interest net income	$0	87
Net income of bank and minority interests.	$210,000	5,456
Net charge-offs	$774,000	2,182
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$210,000	5,312
2011-06-30 (YTD Data)		Rank
Total interest income	$3,794,000	3,545
Total interest expense	$1,027,000	2,897
Net interest income	$2,767,000	3,691
Provision for loan and lease losses	$605,000	2,035
Total noninterest income	$1,311,000	1,628
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$844,000	865
Trading account gains and fees	$0	153
Additional Noninterest Income	$467,000	2,201
Total noninterest expense	$3,416,000	2,742
Salaries and employee benefits	$1,768,000	2,734
Premises and equipment expense	$620,000	2,035
Additional noninterest expense	$1,028,000	3,139
Pre-tax net operating income	$57,000	5,910
Securities gains (losses)	$0	2,914
Applicable income taxes	$0	4,697
Income before extraordinary items	$57,000	5,969
Extraordinary gains, net	$0	15
Net income	$57,000	5,968
Minority interest net income	$0	89
Net income of bank and minority interests.	$57,000	5,969
Net charge-offs	$586,000	1,978
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$57,000	5,890
2011-03-31 (YTD Data)		Rank
Total interest income	$1,884,000	3,577
Total interest expense	$530,000	2,903
Net interest income	$1,354,000	3,742
Provision for loan and lease losses	$355,000	1,772
Total noninterest income	$547,000	1,864
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$398,000	900
Trading account gains and fees	$0	158
Additional Noninterest Income	$149,000	2,909
Total noninterest expense	$1,674,000	2,803
Salaries and employee benefits	$885,000	2,747
Premises and equipment expense	$306,000	2,094
Additional noninterest expense	$483,000	3,278
Pre-tax net operating income	$-128,000	6,728
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$-128,000	6,776
Extraordinary gains, net	$0	9
Net income	$-128,000	6,775
Minority interest net income	$0	86
Net income of bank and minority interests.	$-128,000	6,776
Net charge-offs	$396,000	1,529
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-128,000	6,766
2010-12-31 (YTD Data)		Rank
Total interest income	$8,592,000	3,351
Total interest expense	$2,759,000	2,775
Net interest income	$5,833,000	3,551
Provision for loan and lease losses	$3,059,000	1,593
Total noninterest income	$2,195,000	1,956
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,745,000	874
Trading account gains and fees	$0	175
Additional Noninterest Income	$450,000	3,339
Total noninterest expense	$7,044,000	2,712
Salaries and employee benefits	$3,741,000	2,568
Premises and equipment expense	$1,247,000	2,032
Additional noninterest expense	$2,056,000	3,184
Pre-tax net operating income	$-2,075,000	6,789
Securities gains (losses)	$79,000	2,352
Applicable income taxes	$9,000	4,240
Income before extraordinary items	$-2,005,000	6,851
Extraordinary gains, net	$0	29
Net income	$-2,005,000	6,851
Minority interest net income	$0	111
Net income of bank and minority interests.	$-2,005,000	6,852
Net charge-offs	$2,260,000	1,735
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-2,084,000	6,840
2010-09-30 (YTD Data)		Rank
Total interest income	$6,540,000	3,383
Total interest expense	$2,175,000	2,779
Net interest income	$4,365,000	3,588
Provision for loan and lease losses	$2,572,000	1,406
Total noninterest income	$1,659,000	1,941
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$1,299,000	907
Trading account gains and fees	$0	165
Additional Noninterest Income	$360,000	3,263
Total noninterest expense	$5,337,000	2,686
Salaries and employee benefits	$2,762,000	2,615
Premises and equipment expense	$983,000	1,968
Additional noninterest expense	$1,592,000	3,047
Pre-tax net operating income	$-1,885,000	7,042
Securities gains (losses)	$79,000	2,125
Applicable income taxes	$6,000	4,358
Income before extraordinary items	$-1,812,000	7,107
Extraordinary gains, net	$0	23
Net income	$-1,812,000	7,105
Minority interest net income	$0	110
Net income of bank and minority interests.	$-1,812,000	7,107
Net charge-offs	$1,717,000	1,658
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-1,891,000	7,091
2010-06-30 (YTD Data)		Rank
Total interest income	$4,387,000	3,404
Total interest expense	$1,515,000	2,765
Net interest income	$2,872,000	3,636
Provision for loan and lease losses	$939,000	2,007
Total noninterest income	$942,000	2,133
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$849,000	932
Trading account gains and fees	$0	152
Additional Noninterest Income	$93,000	4,743
Total noninterest expense	$3,520,000	2,719
Salaries and employee benefits	$1,775,000	2,726
Premises and equipment expense	$648,000	2,002
Additional noninterest expense	$1,097,000	2,953
Pre-tax net operating income	$-645,000	6,840
Securities gains (losses)	$0	3,184
Applicable income taxes	$6,000	4,252
Income before extraordinary items	$-651,000	6,939
Extraordinary gains, net	$0	19
Net income	$-651,000	6,939
Minority interest net income	$0	105
Net income of bank and minority interests.	$-651,000	6,939
Net charge-offs	$948,000	1,780
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-651,000	6,901
2010-03-31 (YTD Data)		Rank
Total interest income	$2,170,000	3,495
Total interest expense	$767,000	2,857
Net interest income	$1,403,000	3,735
Provision for loan and lease losses	$534,000	1,758
Total noninterest income	$590,000	1,798
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$377,000	1,046
Trading account gains and fees	$0	175
Additional Noninterest Income	$213,000	2,301
Total noninterest expense	$1,754,000	2,765
Salaries and employee benefits	$910,000	2,693
Premises and equipment expense	$324,000	2,063
Additional noninterest expense	$520,000	3,062
Pre-tax net operating income	$-295,000	6,961
Securities gains (losses)	$0	2,284
Applicable income taxes	$4,000	4,179
Income before extraordinary items	$-299,000	7,076
Extraordinary gains, net	$0	16
Net income	$-299,000	7,077
Minority interest net income	$0	91
Net income of bank and minority interests.	$-299,000	7,076
Net charge-offs	$912,000	1,100
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-299,000	7,036
2009-12-31 (YTD Data)		Rank
Total interest income	$10,023,000	3,229
Total interest expense	$3,584,000	2,994
Net interest income	$6,439,000	3,260
Provision for loan and lease losses	$1,150,000	3,274
Total noninterest income	$2,364,000	1,898
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,739,000	1,000
Trading account gains and fees	$0	211
Additional Noninterest Income	$625,000	2,842
Total noninterest expense	$7,583,000	2,596
Salaries and employee benefits	$3,739,000	2,606
Premises and equipment expense	$1,315,000	2,029
Additional noninterest expense	$2,529,000	2,713
Pre-tax net operating income	$70,000	5,185
Securities gains (losses)	$92,000	2,210
Applicable income taxes	$0	4,388
Income before extraordinary items	$162,000	4,939
Extraordinary gains, net	$0	34
Net income	$162,000	4,941
Minority interest net income	$0	115
Net income of bank and minority interests.	$162,000	4,941
Net charge-offs	$1,856,000	2,121
Cash dividends	$104,000	4,097
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$70,000	5,213
2009-09-30 (YTD Data)		Rank
Total interest income	$7,575,000	3,263
Total interest expense	$2,761,000	3,047
Net interest income	$4,814,000	3,274
Provision for loan and lease losses	$624,000	3,472
Total noninterest income	$1,594,000	2,075
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$1,258,000	1,035
Trading account gains and fees	$0	212
Additional Noninterest Income	$336,000	3,452
Total noninterest expense	$5,832,000	2,536
Salaries and employee benefits	$2,827,000	2,600
Premises and equipment expense	$997,000	2,027
Additional noninterest expense	$2,008,000	2,564
Pre-tax net operating income	$-48,000	5,788
Securities gains (losses)	$-4,000	7,168
Applicable income taxes	$31,000	3,590
Income before extraordinary items	$-83,000	5,939
Extraordinary gains, net	$0	27
Net income	$-83,000	5,939
Minority interest net income	$0	118
Net income of bank and minority interests.	$-83,000	5,939
Net charge-offs	$1,108,000	2,088
Cash dividends	$104,000	3,562
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-79,000	5,903
2009-06-30 (YTD Data)		Rank
Total interest income	$5,137,000	3,242
Total interest expense	$1,874,000	3,130
Net interest income	$3,263,000	3,227
Provision for loan and lease losses	$200,000	4,313
Total noninterest income	$1,150,000	1,973
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$827,000	1,035
Trading account gains and fees	$0	193
Additional Noninterest Income	$323,000	2,873
Total noninterest expense	$3,897,000	2,558
Salaries and employee benefits	$1,840,000	2,706
Premises and equipment expense	$658,000	2,079
Additional noninterest expense	$1,399,000	2,484
Pre-tax net operating income	$316,000	4,072
Securities gains (losses)	$-4,000	7,416
Applicable income taxes	$25,000	3,592
Income before extraordinary items	$287,000	4,029
Extraordinary gains, net	$0	21
Net income	$287,000	4,029
Minority interest net income	$0	112
Net income of bank and minority interests.	$287,000	4,029
Net charge-offs	$634,000	2,081
Cash dividends	$74,000	3,489
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$290,680	3,909
2009-03-31 (YTD Data)		Rank
Total interest income	$2,595,000	3,239
Total interest expense	$962,000	3,150
Net interest income	$1,633,000	3,209
Provision for loan and lease losses	$150,000	3,210
Total noninterest income	$593,000	1,895
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$383,000	1,088
Trading account gains and fees	$0	171
Additional Noninterest Income	$210,000	2,442
Total noninterest expense	$1,876,000	2,567
Salaries and employee benefits	$974,000	2,601
Premises and equipment expense	$323,000	2,159
Additional noninterest expense	$579,000	2,645
Pre-tax net operating income	$200,000	4,045
Securities gains (losses)	$-4,000	7,767
Applicable income taxes	$20,000	3,565
Income before extraordinary items	$176,000	4,078
Extraordinary gains, net	$0	15
Net income	$176,000	4,081
Minority interest net income	$0	102
Net income of bank and minority interests.	$176,000	4,081
Net charge-offs	$153,000	2,396
Cash dividends	$39,000	2,774
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$179,600	3,897
2008-12-31 (YTD Data)		Rank
Total interest income	$12,088,000	3,017
Total interest expense	$4,931,000	2,995
Net interest income	$7,157,000	2,988
Provision for loan and lease losses	$907,000	2,862
Total noninterest income	$2,139,000	2,031
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,735,000	1,029
Trading account gains and fees	$0	154
Additional Noninterest Income	$404,000	3,567
Total noninterest expense	$7,117,000	2,644
Salaries and employee benefits	$3,622,000	2,737
Premises and equipment expense	$1,373,000	1,988
Additional noninterest expense	$2,122,000	2,711
Pre-tax net operating income	$1,272,000	3,309
Securities gains (losses)	$-957,000	7,724
Applicable income taxes	$56,000	3,792
Income before extraordinary items	$259,000	5,263
Extraordinary gains, net	$0	39
Net income	$259,000	5,261
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$441,000	2,975
Cash dividends	$652,000	2,963
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,043,740	3,357
2008-09-30 (YTD Data)		Rank
Total interest income	$9,160,000	3,054
Total interest expense	$3,798,000	3,039
Net interest income	$5,362,000	3,014
Provision for loan and lease losses	$600,000	2,479
Total noninterest income	$1,801,000	1,917
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$1,307,000	1,035
Trading account gains and fees	$0	148
Additional Noninterest Income	$494,000	2,840
Total noninterest expense	$5,415,000	2,603
Salaries and employee benefits	$2,804,000	2,692
Premises and equipment expense	$1,026,000	1,989
Additional noninterest expense	$1,585,000	2,646
Pre-tax net operating income	$1,148,000	3,402
Securities gains (losses)	$-944,000	7,905
Applicable income taxes	$61,000	3,977
Income before extraordinary items	$143,000	5,971
Extraordinary gains, net	$0	31
Net income	$143,000	5,970
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$422,000	2,154
Cash dividends	$606,000	2,467
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$803,800	3,701
2008-06-30 (YTD Data)		Rank
Total interest income	$6,160,000	3,078
Total interest expense	$2,590,000	3,087
Net interest income	$3,570,000	3,011
Provision for loan and lease losses	$103,000	4,211
Total noninterest income	$1,234,000	1,899
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$887,000	998
Trading account gains and fees	$0	149
Additional Noninterest Income	$347,000	2,789
Total noninterest expense	$3,632,000	2,594
Salaries and employee benefits	$1,838,000	2,759
Premises and equipment expense	$742,000	1,849
Additional noninterest expense	$1,052,000	2,623
Pre-tax net operating income	$1,069,000	2,806
Securities gains (losses)	$26,000	1,879
Applicable income taxes	$41,000	4,216
Income before extraordinary items	$1,054,000	2,467
Extraordinary gains, net	$0	21
Net income	$1,054,000	2,467
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$378,000	1,566
Cash dividends	$559,000	2,130
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,029,040	2,472
2008-03-31 (YTD Data)		Rank
Total interest income	$3,126,000	3,107
Total interest expense	$1,396,000	3,068
Net interest income	$1,730,000	3,110
Provision for loan and lease losses	$3,000	5,879
Total noninterest income	$583,000	2,000
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$417,000	1,037
Trading account gains and fees	$0	158
Additional Noninterest Income	$166,000	2,870
Total noninterest expense	$1,896,000	2,492
Salaries and employee benefits	$954,000	2,697
Premises and equipment expense	$359,000	1,893
Additional noninterest expense	$583,000	2,371
Pre-tax net operating income	$414,000	3,474
Securities gains (losses)	$0	2,688
Applicable income taxes	$20,000	4,373
Income before extraordinary items	$394,000	3,223
Extraordinary gains, net	$0	15
Net income	$394,000	3,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,346
Cash dividends	$263,000	2,020
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$394,000	3,145
2007-12-31 (YTD Data)		Rank
Total interest income	$13,198,000	3,021
Total interest expense	$7,063,000	2,602
Net interest income	$6,135,000	3,448
Provision for loan and lease losses	$100,000	4,892
Total noninterest income	$2,540,000	1,866
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,753,000	1,021
Trading account gains and fees	$0	178
Additional Noninterest Income	$787,000	2,580
Total noninterest expense	$6,989,000	2,598
Salaries and employee benefits	$3,567,000	2,752
Premises and equipment expense	$1,526,000	1,717
Additional noninterest expense	$1,896,000	2,797
Pre-tax net operating income	$1,586,000	3,805
Securities gains (losses)	$0	2,146
Applicable income taxes	$488,000	2,768
Income before extraordinary items	$1,098,000	4,108
Extraordinary gains, net	$0	39
Net income	$1,098,000	4,110
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	4,854
Cash dividends	$702,000	3,182
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,098,000	4,108
2007-09-30 (YTD Data)		Rank
Total interest income	$9,937,000	2,998
Total interest expense	$5,321,000	2,582
Net interest income	$4,616,000	3,447
Provision for loan and lease losses	$100,000	4,093
Total noninterest income	$1,836,000	1,919
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$1,283,000	1,026
Trading account gains and fees	$0	184
Additional Noninterest Income	$553,000	2,680
Total noninterest expense	$5,268,000	2,569
Salaries and employee benefits	$2,728,000	2,700
Premises and equipment expense	$1,117,000	1,763
Additional noninterest expense	$1,423,000	2,735
Pre-tax net operating income	$1,084,000	4,172
Securities gains (losses)	$0	1,655
Applicable income taxes	$453,000	2,666
Income before extraordinary items	$631,000	4,908
Extraordinary gains, net	$0	33
Net income	$631,000	4,908
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	4,250
Cash dividends	$525,000	2,857
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$631,000	4,899
2007-06-30 (YTD Data)		Rank
Total interest income	$6,510,000	3,057
Total interest expense	$3,502,000	2,614
Net interest income	$3,008,000	3,527
Provision for loan and lease losses	$41,000	4,614
Total noninterest income	$1,139,000	2,036
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$821,000	1,071
Trading account gains and fees	$0	168
Additional Noninterest Income	$318,000	2,927
Total noninterest expense	$3,496,000	2,600
Salaries and employee benefits	$1,775,000	2,794
Premises and equipment expense	$718,000	1,830
Additional noninterest expense	$1,003,000	2,620
Pre-tax net operating income	$610,000	4,618
Securities gains (losses)	$0	1,444
Applicable income taxes	$434,000	2,266
Income before extraordinary items	$176,000	6,554
Extraordinary gains, net	$0	29
Net income	$176,000	6,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	3,525
Cash dividends	$350,000	2,931
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$176,000	6,543
2007-03-31 (YTD Data)		Rank
Total interest income	$3,231,000	3,068
Total interest expense	$1,737,000	2,630
Net interest income	$1,494,000	3,545
Provision for loan and lease losses	$30,000	3,737
Total noninterest income	$531,000	2,133
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$387,000	1,111
Trading account gains and fees	$0	195
Additional Noninterest Income	$144,000	3,096
Total noninterest expense	$1,832,000	2,505
Salaries and employee benefits	$938,000	2,693
Premises and equipment expense	$350,000	1,882
Additional noninterest expense	$544,000	2,421
Pre-tax net operating income	$163,000	5,898
Securities gains (losses)	$0	1,187
Applicable income taxes	$409,000	1,497
Income before extraordinary items	$-246,000	8,384
Extraordinary gains, net	$0	22
Net income	$-246,000	8,382
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	2,588
Cash dividends	$175,000	2,582
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$-246,000	8,374
2006-12-31 (YTD Data)		Rank
Total interest income	$11,963,000	3,098
Total interest expense	$6,056,000	2,569
Net interest income	$5,907,000	3,562
Provision for loan and lease losses	$165,000	3,897
Total noninterest income	$2,162,000	2,109
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,602,000	1,103
Trading account gains and fees	$0	130
Additional Noninterest Income	$560,000	3,140
Total noninterest expense	$6,291,000	2,766
Salaries and employee benefits	$3,272,000	2,897
Premises and equipment expense	$1,305,000	1,929
Additional noninterest expense	$1,714,000	2,947
Pre-tax net operating income	$1,613,000	4,143
Securities gains (losses)	$-6,000	7,127
Applicable income taxes	$452,000	3,288
Income before extraordinary items	$1,155,000	4,366
Extraordinary gains, net	$0	51
Net income	$1,155,000	4,366
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	3,751
Cash dividends	$787,000	3,009
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,159,320	4,331
2006-09-30 (YTD Data)		Rank
Total interest income	$8,793,000	3,126
Total interest expense	$4,308,000	2,615
Net interest income	$4,485,000	3,553
Provision for loan and lease losses	$165,000	3,241
Total noninterest income	$1,651,000	2,077
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$1,215,000	1,105
Trading account gains and fees	$0	126
Additional Noninterest Income	$436,000	3,071
Total noninterest expense	$4,584,000	2,823
Salaries and employee benefits	$2,487,000	2,861
Premises and equipment expense	$905,000	2,081
Additional noninterest expense	$1,192,000	3,157
Pre-tax net operating income	$1,387,000	3,966
Securities gains (losses)	$0	1,388
Applicable income taxes	$307,000	3,551
Income before extraordinary items	$1,080,000	3,980
Extraordinary gains, net	$0	45
Net income	$1,080,000	3,983
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	3,474
Cash dividends	$592,000	2,709
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,080,000	3,969
2006-06-30 (YTD Data)		Rank
Total interest income	$5,713,000	3,149
Total interest expense	$2,717,000	2,645
Net interest income	$2,996,000	3,550
Provision for loan and lease losses	$165,000	2,445
Total noninterest income	$1,079,000	2,105
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$794,000	1,112
Trading account gains and fees	$0	126
Additional Noninterest Income	$285,000	3,111
Total noninterest expense	$2,931,000	2,936
Salaries and employee benefits	$1,609,000	2,937
Premises and equipment expense	$552,000	2,252
Additional noninterest expense	$770,000	3,232
Pre-tax net operating income	$979,000	3,840
Securities gains (losses)	$0	1,185
Applicable income taxes	$289,000	3,094
Income before extraordinary items	$690,000	4,108
Extraordinary gains, net	$0	39
Net income	$690,000	4,112
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	3,063
Cash dividends	$379,000	2,804
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$690,000	4,095
2006-03-31 (YTD Data)		Rank
Total interest income	$2,783,000	3,169
Total interest expense	$1,283,000	2,661
Net interest income	$1,500,000	3,537
Provision for loan and lease losses	$40,000	3,523
Total noninterest income	$497,000	2,201
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$368,000	1,176
Trading account gains and fees	$0	115
Additional Noninterest Income	$129,000	3,249
Total noninterest expense	$1,493,000	2,881
Salaries and employee benefits	$846,000	2,831
Premises and equipment expense	$258,000	2,409
Additional noninterest expense	$389,000	3,202
Pre-tax net operating income	$464,000	3,916
Securities gains (losses)	$0	955
Applicable income taxes	$102,000	3,569
Income before extraordinary items	$362,000	3,945
Extraordinary gains, net	$0	21
Net income	$362,000	3,945
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	2,059
Cash dividends	$205,000	2,353
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$362,000	3,924
2005-12-31 (YTD Data)		Rank
Total interest income	$11,045,000	2,893
Total interest expense	$4,668,000	2,349
Net interest income	$6,377,000	3,261
Provision for loan and lease losses	$643,000	1,550
Total noninterest income	$1,910,000	2,294
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$1,397,000	1,269
Trading account gains and fees	$0	138
Additional Noninterest Income	$513,000	3,326
Total noninterest expense	$5,918,000	2,786
Salaries and employee benefits	$3,145,000	2,850
Premises and equipment expense	$1,193,000	2,011
Additional noninterest expense	$1,580,000	3,106
Pre-tax net operating income	$1,726,000	4,053
Securities gains (losses)	$0	2,296
Applicable income taxes	$269,000	4,271
Income before extraordinary items	$1,457,000	3,851
Extraordinary gains, net	$0	46
Net income	$1,457,000	3,852
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	3,766
Cash dividends	$714,000	3,041
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,457,000	3,826
2005-09-30 (YTD Data)		Rank
Total interest income	$8,226,000	2,870
Total interest expense	$3,399,000	2,286
Net interest income	$4,827,000	3,236
Provision for loan and lease losses	$643,000	1,150
Total noninterest income	$1,391,000	2,333
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$1,011,000	1,304
Trading account gains and fees	$0	126
Additional Noninterest Income	$380,000	3,369
Total noninterest expense	$4,475,000	2,744
Salaries and employee benefits	$2,379,000	2,787
Premises and equipment expense	$904,000	1,983
Additional noninterest expense	$1,192,000	3,058
Pre-tax net operating income	$1,100,000	4,536
Securities gains (losses)	$0	2,317
Applicable income taxes	$319,000	3,708
Income before extraordinary items	$781,000	4,818
Extraordinary gains, net	$0	35
Net income	$781,000	4,820
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	3,791
Cash dividends	$549,000	2,655
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$781,000	4,788
2005-06-30 (YTD Data)		Rank
Total interest income	$5,403,000	2,837
Total interest expense	$2,150,000	2,274
Net interest income	$3,253,000	3,188
Provision for loan and lease losses	$643,000	776
Total noninterest income	$916,000	2,327
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$667,000	1,285
Trading account gains and fees	$0	116
Additional Noninterest Income	$249,000	3,377
Total noninterest expense	$2,944,000	2,747
Salaries and employee benefits	$1,542,000	2,851
Premises and equipment expense	$596,000	1,992
Additional noninterest expense	$806,000	3,001
Pre-tax net operating income	$582,000	5,078
Securities gains (losses)	$0	2,146
Applicable income taxes	$200,000	3,788
Income before extraordinary items	$382,000	5,556
Extraordinary gains, net	$0	30
Net income	$382,000	5,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	4,310
Cash dividends	$349,000	2,728
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$382,000	5,509
2005-03-31 (YTD Data)		Rank
Total interest income	$2,654,000	2,849
Total interest expense	$1,046,000	2,238
Net interest income	$1,608,000	3,214
Provision for loan and lease losses	$210,000	1,084
Total noninterest income	$429,000	2,388
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$306,000	1,345
Trading account gains and fees	$0	115
Additional Noninterest Income	$123,000	3,343
Total noninterest expense	$1,519,000	2,683
Salaries and employee benefits	$817,000	2,730
Premises and equipment expense	$286,000	2,083
Additional noninterest expense	$416,000	2,918
Pre-tax net operating income	$308,000	4,920
Securities gains (losses)	$0	1,685
Applicable income taxes	$76,000	4,184
Income before extraordinary items	$232,000	5,054
Extraordinary gains, net	$0	24
Net income	$232,000	5,055
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	7,481
Cash dividends	$191,000	2,287
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$232,000	5,021
2004-12-31 (YTD Data)		Rank
Total interest income	$9,400,000	2,992
Total interest expense	$3,430,000	2,346
Net interest income	$5,970,000	3,308
Provision for loan and lease losses	$300,000	2,900
Total noninterest income	$1,784,000	2,384
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$1,305,000	1,359
Trading account gains and fees	$0	138
Additional Noninterest Income	$479,000	3,389
Total noninterest expense	$5,474,000	2,869
Salaries and employee benefits	$2,924,000	2,899
Premises and equipment expense	$879,000	2,574
Additional noninterest expense	$1,671,000	2,848
Pre-tax net operating income	$1,980,000	3,523
Securities gains (losses)	$63,000	1,563
Applicable income taxes	$484,000	3,407
Income before extraordinary items	$1,559,000	3,540
Extraordinary gains, net	$0	34
Net income	$1,559,000	3,541
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$79,000	3,989
Cash dividends	$619,000	3,170
Sale, conversion, retirement of capital stock, net	$3,000,000	287
Net operating income	$1,511,120	3,563
2004-09-30 (YTD Data)		Rank
Total interest income	$6,785,000	3,062
Total interest expense	$2,453,000	2,397
Net interest income	$4,332,000	3,373
Provision for loan and lease losses	$225,000	2,754
Total noninterest income	$1,297,000	2,439
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$958,000	1,398
Trading account gains and fees	$0	134
Additional Noninterest Income	$339,000	3,496
Total noninterest expense	$3,982,000	2,922
Salaries and employee benefits	$2,165,000	2,922
Premises and equipment expense	$600,000	2,781
Additional noninterest expense	$1,217,000	2,892
Pre-tax net operating income	$1,422,000	3,707
Securities gains (losses)	$63,000	1,486
Applicable income taxes	$389,000	3,355
Income before extraordinary items	$1,096,000	3,776
Extraordinary gains, net	$0	26
Net income	$1,096,000	3,776
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	3,170
Cash dividends	$470,000	2,806
Sale, conversion, retirement of capital stock, net	$3,000,000	205
Net operating income	$1,049,380	3,817
2004-06-30 (YTD Data)		Rank
Total interest income	$4,364,000	3,141
Total interest expense	$1,581,000	2,452
Net interest income	$2,783,000	3,462
Provision for loan and lease losses	$150,000	2,691
Total noninterest income	$860,000	2,466
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$637,000	1,389
Trading account gains and fees	$0	130
Additional Noninterest Income	$223,000	3,541
Total noninterest expense	$2,547,000	3,034
Salaries and employee benefits	$1,425,000	2,970
Premises and equipment expense	$346,000	3,164
Additional noninterest expense	$776,000	3,017
Pre-tax net operating income	$946,000	3,661
Securities gains (losses)	$63,000	1,312
Applicable income taxes	$196,000	3,824
Income before extraordinary items	$813,000	3,481
Extraordinary gains, net	$0	21
Net income	$813,000	3,481
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	2,635
Cash dividends	$285,000	2,981
Sale, conversion, retirement of capital stock, net	$3,000,000	133
Net operating income	$761,970	3,558
2004-03-31 (YTD Data)		Rank
Total interest income	$2,175,000	3,153
Total interest expense	$787,000	2,487
Net interest income	$1,388,000	3,467
Provision for loan and lease losses	$75,000	2,550
Total noninterest income	$397,000	2,548
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$292,000	1,472
Trading account gains and fees	$0	121
Additional Noninterest Income	$105,000	3,606
Total noninterest expense	$1,288,000	3,012
Salaries and employee benefits	$710,000	2,993
Premises and equipment expense	$175,000	3,162
Additional noninterest expense	$403,000	2,892
Pre-tax net operating income	$422,000	3,955
Securities gains (losses)	$0	2,934
Applicable income taxes	$87,000	4,008
Income before extraordinary items	$335,000	3,965
Extraordinary gains, net	$0	16
Net income	$335,000	3,964
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	2,675
Cash dividends	$148,000	2,538
Sale, conversion, retirement of capital stock, net	$3,000,000	68
Net operating income	$335,000	3,835
2003-12-31 (YTD Data)		Rank
Total interest income	$8,544,000	3,248
Total interest expense	$3,132,000	2,756
Net interest income	$5,412,000	3,477
Provision for loan and lease losses	$315,000	3,050
Total noninterest income	$1,792,000	2,505
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$1,175,000	1,466
Trading account gains and fees	$0	160
Additional Noninterest Income	$617,000	3,201
Total noninterest expense	$5,028,000	3,033
Salaries and employee benefits	$2,751,000	2,995
Premises and equipment expense	$727,000	2,988
Additional noninterest expense	$1,550,000	2,988
Pre-tax net operating income	$1,861,000	3,552
Securities gains (losses)	$70,000	2,206
Applicable income taxes	$505,000	3,355
Income before extraordinary items	$1,426,000	3,681
Extraordinary gains, net	$0	54
Net income	$1,426,000	3,679
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	4,473
Cash dividends	$515,000	3,457
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,374,200	3,626
2003-09-30 (YTD Data)		Rank
Total interest income	$6,329,000	3,326
Total interest expense	$2,348,000	2,843
Net interest income	$3,981,000	3,538
Provision for loan and lease losses	$190,000	3,426
Total noninterest income	$1,356,000	2,539
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$864,000	1,507
Trading account gains and fees	$0	153
Additional Noninterest Income	$492,000	3,170
Total noninterest expense	$3,742,000	3,047
Salaries and employee benefits	$2,021,000	3,064
Premises and equipment expense	$526,000	3,074
Additional noninterest expense	$1,195,000	2,890
Pre-tax net operating income	$1,405,000	3,653
Securities gains (losses)	$51,000	2,293
Applicable income taxes	$396,000	3,432
Income before extraordinary items	$1,060,000	3,845
Extraordinary gains, net	$0	40
Net income	$1,060,000	3,844
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	4,060
Cash dividends	$405,000	2,991
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,022,770	3,772
2003-06-30 (YTD Data)		Rank
Total interest income	$4,226,000	3,342
Total interest expense	$1,602,000	2,869
Net interest income	$2,624,000	3,564
Provision for loan and lease losses	$115,000	3,633
Total noninterest income	$905,000	2,522
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$567,000	1,509
Trading account gains and fees	$0	150
Additional Noninterest Income	$338,000	3,077
Total noninterest expense	$2,440,000	3,114
Salaries and employee benefits	$1,355,000	3,052
Premises and equipment expense	$340,000	3,159
Additional noninterest expense	$745,000	3,064
Pre-tax net operating income	$974,000	3,589
Securities gains (losses)	$51,000	2,000
Applicable income taxes	$261,000	3,477
Income before extraordinary items	$764,000	3,634
Extraordinary gains, net	$0	30
Net income	$764,000	3,634
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	3,423
Cash dividends	$257,000	3,101
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$725,750	3,576
2003-03-31 (YTD Data)		Rank
Total interest income	$2,133,000	3,346
Total interest expense	$805,000	2,927
Net interest income	$1,328,000	3,519
Provision for loan and lease losses	$65,000	3,141
Total noninterest income	$412,000	2,613
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$270,000	1,530
Trading account gains and fees	$0	134
Additional Noninterest Income	$142,000	3,320
Total noninterest expense	$1,192,000	3,171
Salaries and employee benefits	$670,000	3,065
Premises and equipment expense	$169,000	3,166
Additional noninterest expense	$353,000	3,169
Pre-tax net operating income	$483,000	3,584
Securities gains (losses)	$51,000	1,378
Applicable income taxes	$121,000	3,610
Income before extraordinary items	$413,000	3,384
Extraordinary gains, net	$0	21
Net income	$413,000	3,382
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,508
Cash dividends	$148,000	2,576
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$373,730	3,472
2002-12-31 (YTD Data)		Rank
Total interest income	$9,141,000	3,259
Total interest expense	$3,842,000	2,846
Net interest income	$5,299,000	3,492
Provision for loan and lease losses	$476,000	2,477
Total noninterest income	$1,381,000	2,781
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$953,000	1,684
Trading account gains and fees	$0	153
Additional Noninterest Income	$428,000	3,574
Total noninterest expense	$4,387,000	3,292
Salaries and employee benefits	$2,463,000	3,165
Premises and equipment expense	$613,000	3,352
Additional noninterest expense	$1,311,000	3,343
Pre-tax net operating income	$1,817,000	3,640
Securities gains (losses)	$55,000	2,322
Applicable income taxes	$467,000	3,595
Income before extraordinary items	$1,405,000	3,669
Extraordinary gains, net	$0	70
Net income	$1,405,000	3,669
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$386,000	1,992
Cash dividends	$474,000	3,554
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,363,750	3,644
2001-12-31 (YTD Data)		Rank
Total interest income	$9,969,000	3,321
Total interest expense	$5,170,000	3,065
Net interest income	$4,799,000	3,557
Provision for loan and lease losses	$299,000	3,244
Total noninterest income	$985,000	3,374
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$614,000	2,388
Trading account gains and fees	$0	177
Additional Noninterest Income	$371,000	3,700
Total noninterest expense	$4,081,000	3,369
Salaries and employee benefits	$2,228,000	3,285
Premises and equipment expense	$662,000	3,095
Additional noninterest expense	$1,191,000	3,522
Pre-tax net operating income	$1,404,000	4,038
Securities gains (losses)	$42,000	2,526
Applicable income taxes	$323,000	4,128
Income before extraordinary items	$1,123,000	3,980
Extraordinary gains, net	$0	105
Net income	$1,123,000	3,982
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$213,000	2,760
Cash dividends	$399,000	3,922
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,090,240	3,927
2000-12-31 (YTD Data)		Rank
Total interest income	$10,016,000	3,385
Total interest expense	$5,274,000	3,160
Net interest income	$4,742,000	3,634
Provision for loan and lease losses	$287,000	2,960
Total noninterest income	$726,000	3,899
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$449,000	2,972
Trading account gains and fees	$0	180
Additional Noninterest Income	$277,000	4,085
Total noninterest expense	$3,664,000	3,568
Salaries and employee benefits	$2,021,000	3,431
Premises and equipment expense	$599,000	3,282
Additional noninterest expense	$1,044,000	3,861
Pre-tax net operating income	$1,517,000	4,046
Securities gains (losses)	$-1,000	7,406
Applicable income taxes	$384,000	4,061
Income before extraordinary items	$1,132,000	4,025
Extraordinary gains, net	$0	38
Net income	$1,132,000	4,027
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$136,000	3,043
Cash dividends	$366,000	4,129
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,132,750	4,018
1999-12-31 (YTD Data)		Rank
Total interest income	$8,080,000	3,872
Total interest expense	$3,891,000	3,671
Net interest income	$4,189,000	4,015
Provision for loan and lease losses	$258,000	2,994
Total noninterest income	$569,000	4,582
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$389,000	3,284
Trading account gains and fees	$0	173
Additional Noninterest Income	$180,000	5,187
Total noninterest expense	$2,996,000	4,213
Salaries and employee benefits	$1,693,000	3,938
Premises and equipment expense	$440,000	4,203
Additional noninterest expense	$863,000	4,524
Pre-tax net operating income	$1,504,000	4,079
Securities gains (losses)	$25,000	1,278
Applicable income taxes	$458,000	3,813
Income before extraordinary items	$1,071,000	4,214
Extraordinary gains, net	$0	35
Net income	$1,071,000	4,218
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	2,869
Cash dividends	$358,000	4,169
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,053,500	4,223
1998-12-31 (YTD Data)		Rank
Total interest income	$8,059,000	3,913
Total interest expense	$4,085,000	3,618
Net interest income	$3,974,000	4,138
Provision for loan and lease losses	$187,000	3,652
Total noninterest income	$543,000	4,697
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$363,000	3,407
Trading account gains and fees	$0	224
Additional Noninterest Income	$180,000	5,229
Total noninterest expense	$2,844,000	4,321
Salaries and employee benefits	$1,586,000	4,066
Premises and equipment expense	$425,000	4,215
Additional noninterest expense	$833,000	4,549
Pre-tax net operating income	$1,486,000	4,212
Securities gains (losses)	$114,000	1,198
Applicable income taxes	$475,000	3,972
Income before extraordinary items	$1,125,000	4,115
Extraordinary gains, net	$0	32
Net income	$1,125,000	4,114
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	4,698
Cash dividends	$355,000	4,227
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,045,200	4,256
1997-12-31 (YTD Data)		Rank
Total interest income	$7,180,000	4,404
Total interest expense	$3,598,000	4,047
Net interest income	$3,582,000	4,649
Provision for loan and lease losses	$53,000	6,553
Total noninterest income	$517,000	4,900
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$340,000	3,711
Trading account gains and fees	$0	239
Additional Noninterest Income	$177,000	5,246
Total noninterest expense	$2,740,000	4,425
Salaries and employee benefits	$1,562,000	4,104
Premises and equipment expense	$389,000	4,540
Additional noninterest expense	$789,000	4,776
Pre-tax net operating income	$1,306,000	4,943
Securities gains (losses)	$-18,000	10,323
Applicable income taxes	$401,000	4,881
Income before extraordinary items	$887,000	5,097
Extraordinary gains, net	$0	44
Net income	$887,000	5,099
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	5,460
Cash dividends	$355,000	4,205
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$899,420	5,006
1996-12-31 (YTD Data)		Rank
Total interest income	$5,558,000	5,475
Total interest expense	$2,762,000	5,131
Net interest income	$2,796,000	5,732
Provision for loan and lease losses	$57,000	6,361
Total noninterest income	$360,000	6,323
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$238,000	4,995
Trading account gains and fees	NA	NA
Additional Noninterest Income	$122,000	6,546
Total noninterest expense	$2,173,000	5,591
Salaries and employee benefits	$1,256,000	4,998
Premises and equipment expense	$357,000	4,955
Additional noninterest expense	$560,000	6,611
Pre-tax net operating income	$926,000	6,001
Securities gains (losses)	$-22,000	10,677
Applicable income taxes	$281,000	6,055
Income before extraordinary items	$623,000	6,132
Extraordinary gains, net	$0	53
Net income	$623,000	6,135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$69,000	4,674
Cash dividends	$355,000	4,163
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$638,180	5,987
1995-12-31 (YTD Data)		Rank
Total interest income	$5,337,000	5,703
Total interest expense	$2,741,000	5,156
Net interest income	$2,596,000	6,130
Provision for loan and lease losses	$30,000	7,070
Total noninterest income	$399,000	5,998
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$242,000	5,050
Trading account gains and fees	NA	NA
Additional Noninterest Income	$157,000	5,854
Total noninterest expense	$2,217,000	5,523
Salaries and employee benefits	$1,198,000	5,225
Premises and equipment expense	$385,000	4,687
Additional noninterest expense	$634,000	6,308
Pre-tax net operating income	$748,000	7,070
Securities gains (losses)	$1,000	3,512
Applicable income taxes	$224,000	7,036
Income before extraordinary items	$525,000	7,069
Extraordinary gains, net	$0	65
Net income	$525,000	7,068
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,475
Cash dividends	$297,000	4,616
Sale, conversion, retirement of capital stock, net	$343,000	422
Net operating income	$524,300	7,049
1994-12-31 (YTD Data)		Rank
Total interest income	$3,691,000	7,083
Total interest expense	$1,728,000	6,266
Net interest income	$1,963,000	7,658
Provision for loan and lease losses	$6,000	8,739
Total noninterest income	$351,000	6,662
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$179,000	6,275
Trading account gains and fees	NA	NA
Additional Noninterest Income	$172,000	5,782
Total noninterest expense	$1,667,000	7,082
Salaries and employee benefits	$847,000	6,941
Premises and equipment expense	$315,000	5,499
Additional noninterest expense	$505,000	7,794
Pre-tax net operating income	$641,000	7,764
Securities gains (losses)	$24,000	1,636
Applicable income taxes	$173,000	7,862
Income before extraordinary items	$492,000	7,377
Extraordinary gains, net	$0	249
Net income	$492,000	7,380
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,622
Cash dividends	$275,000	4,709
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$474,240	7,549
1993-12-31 (YTD Data)		Rank
Total interest income	$3,444,000	7,613
Total interest expense	$1,456,000	7,349
Net interest income	$1,988,000	7,712
Provision for loan and lease losses	$16,000	9,322
Total noninterest income	$340,000	7,148
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$168,000	6,646
Trading account gains and fees	NA	NA
Additional Noninterest Income	$172,000	6,134
Total noninterest expense	$1,556,000	7,628
Salaries and employee benefits	$794,000	7,363
Premises and equipment expense	$273,000	6,295
Additional noninterest expense	$489,000	8,336
Pre-tax net operating income	$756,000	7,055
Securities gains (losses)	$0	7,477
Applicable income taxes	$213,000	7,377
Income before extraordinary items	$543,000	7,203
Extraordinary gains, net	$0	3,149
Net income	$543,000	7,374
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	10,864
Cash dividends	$275,000	4,630
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$543,000	6,960
1992-12-31 (YTD Data)		Rank
Total interest income	$3,625,000	8,010
Total interest expense	$1,660,000	8,014
Net interest income	$1,965,000	7,852
Provision for loan and lease losses	$29,000	10,079
Total noninterest income	$301,000	7,723
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$140,000	7,385
Trading account gains and fees	NA	NA
Additional Noninterest Income	$161,000	6,391
Total noninterest expense	$1,923,000	6,591
Salaries and employee benefits	$1,194,000	5,187
Premises and equipment expense	$213,000	7,557
Additional noninterest expense	$516,000	8,297
Pre-tax net operating income	$314,000	9,999
Securities gains (losses)	$170,000	2,252
Applicable income taxes	$108,000	9,686
Income before extraordinary items	$376,000	8,453
Extraordinary gains, net	$0	1,422
Net income	$376,000	8,579
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	10,157
Cash dividends	$181,000	5,306
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$243,400	9,644

* 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.