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Jewett City Savings Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$19,028,000	1,954
Total interest expense	$2,096,000	2,993
Net interest income	$16,932,000	1,650
Provision for loan and lease losses	$723,000	1,022
Total noninterest income	$2,847,000	1,681
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$803,000	1,183
Trading account gains and fees	$0	123
Additional Noninterest Income	$2,044,000	1,600
Total noninterest expense	$13,872,000	1,630
Salaries and employee benefits	$7,936,000	1,618
Premises and equipment expense	$1,784,000	1,342
Additional noninterest expense	$2,044,000	1,600
Pre-tax net operating income	$5,184,000	1,872
Securities gains (losses)	$249,000	141
Applicable income taxes	$1,175,000	1,330
Income before extraordinary items	$4,258,000	1,923
Extraordinary gains, net	$0	54
Net income	$4,258,000	1,946
Minority interest net income	$0	88
Net income of bank and minority interests.	$4,258,000	1,926
Net charge-offs	$579,000	702
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$4,061,290	2,012
2023-09-30 (YTD Data)		Rank
Total interest income	$13,821,000	1,963
Total interest expense	$1,265,000	3,111
Net interest income	$12,556,000	1,671
Provision for loan and lease losses	$141,000	1,912
Total noninterest income	$2,148,000	1,676
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$589,000	1,204
Trading account gains and fees	$0	125
Additional Noninterest Income	$1,559,000	1,579
Total noninterest expense	$10,194,000	1,642
Salaries and employee benefits	$5,914,000	1,622
Premises and equipment expense	$1,349,000	1,346
Additional noninterest expense	$1,559,000	1,579
Pre-tax net operating income	$4,369,000	1,800
Securities gains (losses)	$-94,000	3,984
Applicable income taxes	$954,000	1,319
Income before extraordinary items	$3,321,000	1,935
Extraordinary gains, net	$0	52
Net income	$3,321,000	1,953
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,321,000	1,935
Net charge-offs	$262,000	777
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$3,395,260	1,938
2023-06-30 (YTD Data)		Rank
Total interest income	$8,968,000	1,975
Total interest expense	$623,000	3,290
Net interest income	$8,345,000	1,696
Provision for loan and lease losses	$81,000	1,944
Total noninterest income	$1,471,000	1,571
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$391,000	1,196
Trading account gains and fees	$0	112
Additional Noninterest Income	$1,080,000	1,464
Total noninterest expense	$6,856,000	1,619
Salaries and employee benefits	$3,952,000	1,612
Premises and equipment expense	$892,000	1,344
Additional noninterest expense	$1,080,000	1,462
Pre-tax net operating income	$2,879,000	1,795
Securities gains (losses)	$298,000	91
Applicable income taxes	$725,000	1,232
Income before extraordinary items	$2,452,000	1,801
Extraordinary gains, net	$0	51
Net income	$2,452,000	1,821
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,452,000	1,801
Net charge-offs	$90,000	963
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,216,580	1,932
2023-03-31 (YTD Data)		Rank
Total interest income	$4,409,000	1,975
Total interest expense	$228,000	3,439
Net interest income	$4,181,000	1,704
Provision for loan and lease losses	$225,000	825
Total noninterest income	$655,000	1,693
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$195,000	1,206
Trading account gains and fees	$0	97
Additional Noninterest Income	$460,000	1,591
Total noninterest expense	$3,367,000	1,668
Salaries and employee benefits	$2,031,000	1,613
Premises and equipment expense	$453,000	1,348
Additional noninterest expense	$460,000	1,591
Pre-tax net operating income	$1,244,000	2,021
Securities gains (losses)	$68,000	220
Applicable income taxes	$318,000	1,337
Income before extraordinary items	$994,000	2,096
Extraordinary gains, net	$0	4
Net income	$994,000	2,096
Minority interest net income	$0	48
Net income of bank and minority interests.	$994,000	2,096
Net charge-offs	$95,000	609
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$940,280	2,195
2022-12-31 (YTD Data)		Rank
Total interest income	$15,272,000	1,923
Total interest expense	$841,000	2,632
Net interest income	$14,431,000	1,837
Provision for loan and lease losses	$1,047,000	790
Total noninterest income	$2,679,000	1,744
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$778,000	1,238
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,901,000	1,668
Total noninterest expense	$12,549,000	1,721
Salaries and employee benefits	$7,242,000	1,699
Premises and equipment expense	$1,892,000	1,280
Additional noninterest expense	$1,901,000	1,668
Pre-tax net operating income	$3,514,000	2,462
Securities gains (losses)	$-694,000	4,388
Applicable income taxes	$629,000	1,877
Income before extraordinary items	$2,191,000	2,841
Extraordinary gains, net	$0	5
Net income	$2,191,000	2,838
Minority interest net income	$0	63
Net income of bank and minority interests.	$2,191,000	2,840
Net charge-offs	$1,142,000	386
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$2,739,260	2,594
2022-09-30 (YTD Data)		Rank
Total interest income	$10,898,000	1,940
Total interest expense	$635,000	2,324
Net interest income	$10,263,000	1,885
Provision for loan and lease losses	$792,000	729
Total noninterest income	$1,959,000	1,791
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$573,000	1,269
Trading account gains and fees	$0	111
Additional Noninterest Income	$1,386,000	1,721
Total noninterest expense	$9,403,000	1,715
Salaries and employee benefits	$5,403,000	1,700
Premises and equipment expense	$1,436,000	1,269
Additional noninterest expense	$1,386,000	1,721
Pre-tax net operating income	$2,027,000	2,759
Securities gains (losses)	$-1,207,000	4,577
Applicable income taxes	$120,000	2,768
Income before extraordinary items	$700,000	3,702
Extraordinary gains, net	$0	4
Net income	$700,000	3,701
Minority interest net income	$0	57
Net income of bank and minority interests.	$700,000	3,701
Net charge-offs	$1,141,000	278
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$1,725,950	2,790
2022-06-30 (YTD Data)		Rank
Total interest income	$6,792,000	1,999
Total interest expense	$419,000	2,192
Net interest income	$6,373,000	1,954
Provision for loan and lease losses	$90,000	1,575
Total noninterest income	$1,250,000	1,816
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$368,000	1,280
Trading account gains and fees	$0	108
Additional Noninterest Income	$882,000	1,801
Total noninterest expense	$6,205,000	1,711
Salaries and employee benefits	$3,533,000	1,714
Premises and equipment expense	$966,000	1,246
Additional noninterest expense	$1,706,000	1,815
Pre-tax net operating income	$1,328,000	2,701
Securities gains (losses)	$-948,000	4,623
Applicable income taxes	$52,000	2,910
Income before extraordinary items	$328,000	3,870
Extraordinary gains, net	$0	4
Net income	$328,000	3,870
Minority interest net income	$0	60
Net income of bank and minority interests.	$328,000	3,870
Net charge-offs	$904,000	251
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,143,280	2,708
2022-03-31 (YTD Data)		Rank
Total interest income	$3,302,000	1,989
Total interest expense	$208,000	2,149
Net interest income	$3,094,000	1,946
Provision for loan and lease losses	$0	2,285
Total noninterest income	$604,000	1,869
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$180,000	1,281
Trading account gains and fees	$0	103
Additional Noninterest Income	$424,000	1,856
Total noninterest expense	$3,138,000	1,684
Salaries and employee benefits	$1,792,000	1,697
Premises and equipment expense	$492,000	1,236
Additional noninterest expense	$854,000	1,787
Pre-tax net operating income	$560,000	2,787
Securities gains (losses)	$-348,000	4,653
Applicable income taxes	$32,000	2,733
Income before extraordinary items	$180,000	3,713
Extraordinary gains, net	$0	4
Net income	$180,000	3,712
Minority interest net income	$0	50
Net income of bank and minority interests.	$180,000	3,713
Net charge-offs	$79,000	550
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$475,800	2,832
2021-12-31 (YTD Data)		Rank
Total interest income	$13,363,000	2,036
Total interest expense	$1,008,000	2,203
Net interest income	$12,355,000	1,989
Provision for loan and lease losses	$545,000	979
Total noninterest income	$2,489,000	2,005
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$630,000	1,358
Trading account gains and fees	$0	132
Additional Noninterest Income	$1,859,000	1,992
Total noninterest expense	$12,349,000	1,710
Salaries and employee benefits	$6,853,000	1,736
Premises and equipment expense	$1,884,000	1,277
Additional noninterest expense	$3,612,000	1,715
Pre-tax net operating income	$1,950,000	3,174
Securities gains (losses)	$1,049,000	212
Applicable income taxes	$491,000	2,110
Income before extraordinary items	$2,508,000	2,745
Extraordinary gains, net	$0	10
Net income	$2,508,000	2,746
Minority interest net income	$0	74
Net income of bank and minority interests.	$2,508,000	2,746
Net charge-offs	$117,000	1,278
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$1,626,840	3,239
2021-09-30 (YTD Data)		Rank
Total interest income	$10,101,000	2,055
Total interest expense	$776,000	2,256
Net interest income	$9,325,000	2,012
Provision for loan and lease losses	$355,000	1,055
Total noninterest income	$1,839,000	2,064
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$441,000	1,417
Trading account gains and fees	$0	132
Additional Noninterest Income	$1,398,000	2,033
Total noninterest expense	$8,806,000	1,766
Salaries and employee benefits	$5,073,000	1,763
Premises and equipment expense	$1,424,000	1,280
Additional noninterest expense	$2,309,000	1,944
Pre-tax net operating income	$2,003,000	2,933
Securities gains (losses)	$574,000	290
Applicable income taxes	$545,000	1,924
Income before extraordinary items	$2,032,000	2,785
Extraordinary gains, net	$0	8
Net income	$2,032,000	2,784
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,032,000	2,785
Net charge-offs	$73,000	1,206
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$1,578,540	3,048
2021-06-30 (YTD Data)		Rank
Total interest income	$6,554,000	2,089
Total interest expense	$531,000	2,276
Net interest income	$6,023,000	2,041
Provision for loan and lease losses	$265,000	989
Total noninterest income	$1,125,000	2,109
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$272,000	1,451
Trading account gains and fees	$0	133
Additional Noninterest Income	$853,000	2,088
Total noninterest expense	$5,817,000	1,768
Salaries and employee benefits	$3,332,000	1,777
Premises and equipment expense	$947,000	1,280
Additional noninterest expense	$1,538,000	1,924
Pre-tax net operating income	$1,066,000	3,179
Securities gains (losses)	$629,000	220
Applicable income taxes	$418,000	1,809
Income before extraordinary items	$1,277,000	2,849
Extraordinary gains, net	$0	6
Net income	$1,277,000	2,848
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,277,000	2,849
Net charge-offs	$32,000	1,318
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$780,090	3,400
2021-03-31 (YTD Data)		Rank
Total interest income	$3,199,000	2,111
Total interest expense	$274,000	2,307
Net interest income	$2,925,000	2,063
Provision for loan and lease losses	$154,000	929
Total noninterest income	$550,000	2,136
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$138,000	1,433
Trading account gains and fees	$0	127
Additional Noninterest Income	$412,000	2,121
Total noninterest expense	$2,881,000	1,769
Salaries and employee benefits	$1,655,000	1,770
Premises and equipment expense	$492,000	1,239
Additional noninterest expense	$734,000	1,964
Pre-tax net operating income	$440,000	3,378
Securities gains (losses)	$231,000	305
Applicable income taxes	$147,000	2,023
Income before extraordinary items	$524,000	3,058
Extraordinary gains, net	$0	3
Net income	$524,000	3,057
Minority interest net income	$0	55
Net income of bank and minority interests.	$524,000	3,059
Net charge-offs	$19,000	1,167
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$341,510	3,536
2020-12-31 (YTD Data)		Rank
Total interest income	$12,529,000	2,160
Total interest expense	$1,457,000	2,424
Net interest income	$11,072,000	2,083
Provision for loan and lease losses	$855,000	1,769
Total noninterest income	$1,834,000	2,221
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$560,000	1,491
Trading account gains and fees	$0	133
Additional Noninterest Income	$1,274,000	2,241
Total noninterest expense	$10,674,000	1,862
Salaries and employee benefits	$6,134,000	1,879
Premises and equipment expense	$1,752,000	1,338
Additional noninterest expense	$2,788,000	2,044
Pre-tax net operating income	$1,377,000	3,366
Securities gains (losses)	$710,000	482
Applicable income taxes	$387,000	2,121
Income before extraordinary items	$1,700,000	3,033
Extraordinary gains, net	$0	4
Net income	$1,700,000	3,032
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,700,000	3,033
Net charge-offs	$125,000	1,852
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$1,124,900	3,481
2020-09-30 (YTD Data)		Rank
Total interest income	$9,208,000	2,209
Total interest expense	$1,137,000	2,467
Net interest income	$8,071,000	2,118
Provision for loan and lease losses	$630,000	1,766
Total noninterest income	$1,390,000	2,162
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$405,000	1,526
Trading account gains and fees	$0	125
Additional Noninterest Income	$985,000	2,161
Total noninterest expense	$7,882,000	1,861
Salaries and employee benefits	$4,529,000	1,866
Premises and equipment expense	$1,281,000	1,368
Additional noninterest expense	$2,072,000	2,021
Pre-tax net operating income	$949,000	3,512
Securities gains (losses)	$247,000	799
Applicable income taxes	$220,000	2,324
Income before extraordinary items	$976,000	3,384
Extraordinary gains, net	$0	4
Net income	$976,000	3,383
Minority interest net income	$0	65
Net income of bank and minority interests.	$976,000	3,384
Net charge-offs	$89,000	1,738
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$773,460	3,583
2020-06-30 (YTD Data)		Rank
Total interest income	$6,107,000	2,251
Total interest expense	$797,000	2,502
Net interest income	$5,310,000	2,161
Provision for loan and lease losses	$371,000	1,861
Total noninterest income	$926,000	2,101
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$277,000	1,528
Trading account gains and fees	$0	123
Additional Noninterest Income	$649,000	2,096
Total noninterest expense	$5,253,000	1,863
Salaries and employee benefits	$3,005,000	1,866
Premises and equipment expense	$832,000	1,395
Additional noninterest expense	$1,416,000	1,978
Pre-tax net operating income	$612,000	3,523
Securities gains (losses)	$-126,000	4,961
Applicable income taxes	$54,000	2,862
Income before extraordinary items	$432,000	3,795
Extraordinary gains, net	$0	4
Net income	$432,000	3,795
Minority interest net income	$0	65
Net income of bank and minority interests.	$432,000	3,795
Net charge-offs	$134,000	1,207
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$544,140	3,509
2020-03-31 (YTD Data)		Rank
Total interest income	$3,037,000	2,232
Total interest expense	$431,000	2,525
Net interest income	$2,606,000	2,151
Provision for loan and lease losses	$116,000	1,861
Total noninterest income	$516,000	1,913
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$175,000	1,456
Trading account gains and fees	$0	106
Additional Noninterest Income	$341,000	1,871
Total noninterest expense	$2,742,000	1,813
Salaries and employee benefits	$1,572,000	1,826
Premises and equipment expense	$428,000	1,362
Additional noninterest expense	$742,000	1,942
Pre-tax net operating income	$264,000	3,538
Securities gains (losses)	$-804,000	5,040
Applicable income taxes	$-190,000	4,984
Income before extraordinary items	$-350,000	4,927
Extraordinary gains, net	$0	4
Net income	$-350,000	4,928
Minority interest net income	$0	56
Net income of bank and minority interests.	$-350,000	4,927
Net charge-offs	$90,000	932
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$285,160	3,324
2019-12-31 (YTD Data)		Rank
Total interest income	$12,452,000	2,218
Total interest expense	$1,616,000	2,654
Net interest income	$10,836,000	2,094
Provision for loan and lease losses	$1,025,000	892
Total noninterest income	$1,957,000	1,992
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$664,000	1,567
Trading account gains and fees	$0	135
Additional Noninterest Income	$1,293,000	1,966
Total noninterest expense	$9,960,000	1,933
Salaries and employee benefits	$5,678,000	1,925
Premises and equipment expense	$1,455,000	1,535
Additional noninterest expense	$2,827,000	2,021
Pre-tax net operating income	$1,808,000	3,156
Securities gains (losses)	$770,000	272
Applicable income taxes	$526,000	1,939
Income before extraordinary items	$2,052,000	2,860
Extraordinary gains, net	$0	11
Net income	$2,052,000	2,861
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,052,000	2,862
Net charge-offs	$718,000	832
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,436,000	3,295
2019-09-30 (YTD Data)		Rank
Total interest income	$9,316,000	2,252
Total interest expense	$1,185,000	2,704
Net interest income	$8,131,000	2,116
Provision for loan and lease losses	$770,000	844
Total noninterest income	$1,455,000	2,005
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$485,000	1,596
Trading account gains and fees	$0	129
Additional Noninterest Income	$970,000	1,963
Total noninterest expense	$7,359,000	1,955
Salaries and employee benefits	$4,252,000	1,930
Premises and equipment expense	$1,059,000	1,592
Additional noninterest expense	$2,048,000	2,082
Pre-tax net operating income	$1,457,000	3,141
Securities gains (losses)	$478,000	324
Applicable income taxes	$418,000	1,951
Income before extraordinary items	$1,517,000	2,937
Extraordinary gains, net	$0	11
Net income	$1,517,000	2,938
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,517,000	2,938
Net charge-offs	$703,000	618
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,139,380	3,291
2019-06-30 (YTD Data)		Rank
Total interest income	$6,125,000	2,281
Total interest expense	$758,000	2,746
Net interest income	$5,367,000	2,145
Provision for loan and lease losses	$550,000	798
Total noninterest income	$946,000	2,014
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$321,000	1,597
Trading account gains and fees	$0	131
Additional Noninterest Income	$625,000	1,967
Total noninterest expense	$4,818,000	1,990
Salaries and employee benefits	$2,775,000	1,967
Premises and equipment expense	$693,000	1,624
Additional noninterest expense	$1,350,000	2,111
Pre-tax net operating income	$945,000	3,169
Securities gains (losses)	$425,000	250
Applicable income taxes	$292,000	1,884
Income before extraordinary items	$1,078,000	2,843
Extraordinary gains, net	$0	11
Net income	$1,078,000	2,842
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,078,000	2,842
Net charge-offs	$553,000	537
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$742,250	3,335
2019-03-31 (YTD Data)		Rank
Total interest income	$3,007,000	2,309
Total interest expense	$364,000	2,773
Net interest income	$2,643,000	2,175
Provision for loan and lease losses	$150,000	1,133
Total noninterest income	$430,000	2,086
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$156,000	1,621
Trading account gains and fees	$0	126
Additional Noninterest Income	$274,000	2,055
Total noninterest expense	$2,431,000	1,980
Salaries and employee benefits	$1,383,000	1,988
Premises and equipment expense	$358,000	1,600
Additional noninterest expense	$690,000	2,055
Pre-tax net operating income	$492,000	3,095
Securities gains (losses)	$324,000	150
Applicable income taxes	$170,000	1,726
Income before extraordinary items	$646,000	2,487
Extraordinary gains, net	$0	5
Net income	$646,000	2,486
Minority interest net income	$0	52
Net income of bank and minority interests.	$646,000	2,486
Net charge-offs	$251,000	529
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$390,040	3,252
2018-12-31 (YTD Data)		Rank
Total interest income	$11,979,000	2,207
Total interest expense	$1,203,000	2,661
Net interest income	$10,776,000	2,114
Provision for loan and lease losses	$1,300,000	715
Total noninterest income	$1,838,000	2,081
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$620,000	1,700
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,218,000	2,021
Total noninterest expense	$9,330,000	2,009
Salaries and employee benefits	$5,350,000	1,987
Premises and equipment expense	$1,322,000	1,676
Additional noninterest expense	$2,658,000	2,120
Pre-tax net operating income	$1,984,000	3,160
Securities gains (losses)	$271,000	184
Applicable income taxes	$439,000	2,090
Income before extraordinary items	$1,816,000	3,080
Extraordinary gains, net	$0	6
Net income	$1,816,000	3,079
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,816,000	3,079
Net charge-offs	$1,367,000	460
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,596,490	3,283
2018-09-30 (YTD Data)		Rank
Total interest income	$8,927,000	2,206
Total interest expense	$861,000	2,671
Net interest income	$8,066,000	2,124
Provision for loan and lease losses	$688,000	877
Total noninterest income	$1,298,000	2,177
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$440,000	1,775
Trading account gains and fees	$0	138
Additional Noninterest Income	$858,000	2,119
Total noninterest expense	$6,969,000	2,014
Salaries and employee benefits	$4,000,000	1,980
Premises and equipment expense	$1,005,000	1,674
Additional noninterest expense	$1,964,000	2,144
Pre-tax net operating income	$1,707,000	2,997
Securities gains (losses)	$271,000	175
Applicable income taxes	$443,000	1,904
Income before extraordinary items	$1,535,000	2,951
Extraordinary gains, net	$0	5
Net income	$1,535,000	2,950
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,535,000	2,950
Net charge-offs	$652,000	606
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,320,910	3,182
2018-06-30 (YTD Data)		Rank
Total interest income	$5,805,000	2,239
Total interest expense	$535,000	2,700
Net interest income	$5,270,000	2,148
Provision for loan and lease losses	$525,000	791
Total noninterest income	$840,000	2,214
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$285,000	1,820
Trading account gains and fees	$0	130
Additional Noninterest Income	$555,000	2,163
Total noninterest expense	$4,669,000	2,022
Salaries and employee benefits	$2,664,000	2,004
Premises and equipment expense	$668,000	1,694
Additional noninterest expense	$1,337,000	2,128
Pre-tax net operating income	$916,000	3,285
Securities gains (losses)	$267,000	145
Applicable income taxes	$254,000	2,009
Income before extraordinary items	$929,000	3,071
Extraordinary gains, net	$0	6
Net income	$929,000	3,069
Minority interest net income	$0	65
Net income of bank and minority interests.	$929,000	3,070
Net charge-offs	$452,000	559
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$718,070	3,461
2018-03-31 (YTD Data)		Rank
Total interest income	$2,759,000	2,326
Total interest expense	$244,000	2,787
Net interest income	$2,515,000	2,235
Provision for loan and lease losses	$163,000	1,066
Total noninterest income	$447,000	2,120
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$140,000	1,842
Trading account gains and fees	$0	123
Additional Noninterest Income	$307,000	1,994
Total noninterest expense	$2,364,000	2,015
Salaries and employee benefits	$1,343,000	2,009
Premises and equipment expense	$343,000	1,670
Additional noninterest expense	$678,000	2,090
Pre-tax net operating income	$435,000	3,313
Securities gains (losses)	$237,000	108
Applicable income taxes	$145,000	1,859
Income before extraordinary items	$527,000	2,811
Extraordinary gains, net	$0	7
Net income	$527,000	2,811
Minority interest net income	$0	52
Net income of bank and minority interests.	$527,000	2,811
Net charge-offs	$398,000	354
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$339,770	3,506
2017-12-31 (YTD Data)		Rank
Total interest income	$10,344,000	2,388
Total interest expense	$953,000	2,621
Net interest income	$9,391,000	2,319
Provision for loan and lease losses	$441,000	1,563
Total noninterest income	$1,681,000	2,251
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$627,000	1,713
Trading account gains and fees	$0	151
Additional Noninterest Income	$1,054,000	2,229
Total noninterest expense	$8,875,000	2,101
Salaries and employee benefits	$5,027,000	2,079
Premises and equipment expense	$1,274,000	1,755
Additional noninterest expense	$2,574,000	2,216
Pre-tax net operating income	$1,756,000	3,310
Securities gains (losses)	$307,000	299
Applicable income taxes	$616,000	2,266
Income before extraordinary items	$1,447,000	3,191
Extraordinary gains, net	$0	9
Net income	$1,447,000	3,189
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,447,000	3,191
Net charge-offs	$318,000	1,434
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,232,100	3,418
2017-09-30 (YTD Data)		Rank
Total interest income	$7,630,000	2,421
Total interest expense	$709,000	2,614
Net interest income	$6,921,000	2,370
Provision for loan and lease losses	$297,000	1,648
Total noninterest income	$1,248,000	2,293
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$463,000	1,741
Trading account gains and fees	$0	145
Additional Noninterest Income	$785,000	2,275
Total noninterest expense	$6,625,000	2,113
Salaries and employee benefits	$3,752,000	2,099
Premises and equipment expense	$956,000	1,762
Additional noninterest expense	$1,917,000	2,211
Pre-tax net operating income	$1,247,000	3,436
Securities gains (losses)	$307,000	286
Applicable income taxes	$475,000	2,120
Income before extraordinary items	$1,079,000	3,405
Extraordinary gains, net	$0	9
Net income	$1,079,000	3,404
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,079,000	3,405
Net charge-offs	$277,000	1,169
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$867,170	3,726
2017-06-30 (YTD Data)		Rank
Total interest income	$4,992,000	2,432
Total interest expense	$464,000	2,614
Net interest income	$4,528,000	2,392
Provision for loan and lease losses	$198,000	1,580
Total noninterest income	$841,000	2,287
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$299,000	1,767
Trading account gains and fees	$0	139
Additional Noninterest Income	$542,000	2,230
Total noninterest expense	$4,370,000	2,141
Salaries and employee benefits	$2,476,000	2,122
Premises and equipment expense	$631,000	1,784
Additional noninterest expense	$1,263,000	2,232
Pre-tax net operating income	$801,000	3,452
Securities gains (losses)	$178,000	302
Applicable income taxes	$293,000	2,160
Income before extraordinary items	$686,000	3,443
Extraordinary gains, net	$0	11
Net income	$686,000	3,442
Minority interest net income	$0	71
Net income of bank and minority interests.	$686,000	3,443
Net charge-offs	$275,000	879
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$561,400	3,741
2017-03-31 (YTD Data)		Rank
Total interest income	$2,428,000	2,490
Total interest expense	$228,000	2,619
Net interest income	$2,200,000	2,441
Provision for loan and lease losses	$99,000	1,486
Total noninterest income	$402,000	2,330
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$143,000	1,828
Trading account gains and fees	$0	142
Additional Noninterest Income	$259,000	2,272
Total noninterest expense	$2,199,000	2,155
Salaries and employee benefits	$1,267,000	2,105
Premises and equipment expense	$317,000	1,806
Additional noninterest expense	$615,000	2,269
Pre-tax net operating income	$304,000	3,815
Securities gains (losses)	$178,000	169
Applicable income taxes	$140,000	2,181
Income before extraordinary items	$342,000	3,415
Extraordinary gains, net	$0	8
Net income	$342,000	3,414
Minority interest net income	$0	55
Net income of bank and minority interests.	$342,000	3,415
Net charge-offs	$3,000	2,592
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$215,620	4,017
2016-12-31 (YTD Data)		Rank
Total interest income	$9,483,000	2,516
Total interest expense	$852,000	2,699
Net interest income	$8,631,000	2,468
Provision for loan and lease losses	$316,000	1,939
Total noninterest income	$1,665,000	2,344
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$647,000	1,713
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,018,000	2,389
Total noninterest expense	$8,508,000	2,182
Salaries and employee benefits	$4,825,000	2,146
Premises and equipment expense	$1,198,000	1,867
Additional noninterest expense	$2,485,000	2,321
Pre-tax net operating income	$1,472,000	3,540
Securities gains (losses)	$374,000	560
Applicable income taxes	$558,000	2,171
Income before extraordinary items	$1,288,000	3,517
Extraordinary gains, net	$0	5
Net income	$1,288,000	3,515
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,288,000	3,516
Net charge-offs	$26,000	3,527
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,026,200	3,801
2016-09-30 (YTD Data)		Rank
Total interest income	$7,035,000	2,545
Total interest expense	$632,000	2,730
Net interest income	$6,403,000	2,494
Provision for loan and lease losses	$162,000	2,279
Total noninterest income	$1,231,000	2,369
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$481,000	1,726
Trading account gains and fees	$0	169
Additional Noninterest Income	$750,000	2,402
Total noninterest expense	$6,490,000	2,153
Salaries and employee benefits	$3,650,000	2,125
Premises and equipment expense	$907,000	1,862
Additional noninterest expense	$1,933,000	2,246
Pre-tax net operating income	$982,000	3,747
Securities gains (losses)	$216,000	759
Applicable income taxes	$347,000	2,371
Income before extraordinary items	$851,000	3,763
Extraordinary gains, net	$0	5
Net income	$851,000	3,761
Minority interest net income	$0	71
Net income of bank and minority interests.	$851,000	3,763
Net charge-offs	$13,000	3,342
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$697,640	3,973
2016-06-30 (YTD Data)		Rank
Total interest income	$4,671,000	2,549
Total interest expense	$423,000	2,725
Net interest income	$4,248,000	2,508
Provision for loan and lease losses	$108,000	2,239
Total noninterest income	$805,000	2,372
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$316,000	1,740
Trading account gains and fees	$0	157
Additional Noninterest Income	$489,000	2,405
Total noninterest expense	$4,312,000	2,166
Salaries and employee benefits	$2,421,000	2,149
Premises and equipment expense	$615,000	1,824
Additional noninterest expense	$1,276,000	2,275
Pre-tax net operating income	$633,000	3,801
Securities gains (losses)	$114,000	877
Applicable income taxes	$216,000	2,435
Income before extraordinary items	$531,000	3,873
Extraordinary gains, net	$0	16
Net income	$531,000	3,871
Minority interest net income	$0	71
Net income of bank and minority interests.	$531,000	3,872
Net charge-offs	$-8,000	4,897
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$450,060	4,038
2016-03-31 (YTD Data)		Rank
Total interest income	$2,300,000	2,583
Total interest expense	$208,000	2,771
Net interest income	$2,092,000	2,540
Provision for loan and lease losses	$54,000	2,099
Total noninterest income	$396,000	2,374
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$158,000	1,728
Trading account gains and fees	$0	142
Additional Noninterest Income	$238,000	2,404
Total noninterest expense	$2,164,000	2,177
Salaries and employee benefits	$1,213,000	2,152
Premises and equipment expense	$315,000	1,797
Additional noninterest expense	$636,000	2,269
Pre-tax net operating income	$270,000	4,022
Securities gains (losses)	$0	2,077
Applicable income taxes	$61,000	2,833
Income before extraordinary items	$209,000	4,175
Extraordinary gains, net	$0	12
Net income	$209,000	4,171
Minority interest net income	$0	62
Net income of bank and minority interests.	$209,000	4,173
Net charge-offs	$-5,000	4,858
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$209,000	4,119
2015-12-31 (YTD Data)		Rank
Total interest income	$8,884,000	2,627
Total interest expense	$919,000	2,571
Net interest income	$7,965,000	2,608
Provision for loan and lease losses	$86,000	3,204
Total noninterest income	$1,720,000	2,309
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$702,000	1,646
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,018,000	2,356
Total noninterest expense	$8,415,000	2,196
Salaries and employee benefits	$4,679,000	2,175
Premises and equipment expense	$1,223,000	1,855
Additional noninterest expense	$2,513,000	2,325
Pre-tax net operating income	$1,184,000	3,859
Securities gains (losses)	$287,000	582
Applicable income taxes	$419,000	2,379
Income before extraordinary items	$1,052,000	3,844
Extraordinary gains, net	$0	23
Net income	$1,052,000	3,845
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,052,000	3,846
Net charge-offs	$78,000	2,873
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$845,360	4,122
2015-09-30 (YTD Data)		Rank
Total interest income	$6,591,000	2,666
Total interest expense	$698,000	2,571
Net interest income	$5,893,000	2,660
Provision for loan and lease losses	$135,000	2,359
Total noninterest income	$1,268,000	2,348
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$521,000	1,666
Trading account gains and fees	$0	153
Additional Noninterest Income	$747,000	2,404
Total noninterest expense	$6,360,000	2,184
Salaries and employee benefits	$3,508,000	2,178
Premises and equipment expense	$935,000	1,843
Additional noninterest expense	$1,917,000	2,290
Pre-tax net operating income	$666,000	4,359
Securities gains (losses)	$169,000	733
Applicable income taxes	$223,000	2,737
Income before extraordinary items	$612,000	4,300
Extraordinary gains, net	$0	21
Net income	$612,000	4,301
Minority interest net income	$0	78
Net income of bank and minority interests.	$612,000	4,303
Net charge-offs	$71,000	2,482
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$488,630	4,540
2015-06-30 (YTD Data)		Rank
Total interest income	$4,308,000	2,705
Total interest expense	$470,000	2,573
Net interest income	$3,838,000	2,708
Provision for loan and lease losses	$108,000	2,144
Total noninterest income	$840,000	2,360
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$334,000	1,700
Trading account gains and fees	$0	157
Additional Noninterest Income	$506,000	2,391
Total noninterest expense	$4,245,000	2,199
Salaries and employee benefits	$2,333,000	2,198
Premises and equipment expense	$636,000	1,811
Additional noninterest expense	$1,276,000	2,309
Pre-tax net operating income	$325,000	4,759
Securities gains (losses)	$171,000	590
Applicable income taxes	$115,000	2,929
Income before extraordinary items	$381,000	4,368
Extraordinary gains, net	$0	22
Net income	$381,000	4,371
Minority interest net income	$0	75
Net income of bank and minority interests.	$381,000	4,371
Net charge-offs	$73,000	2,000
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$249,330	4,851
2015-03-31 (YTD Data)		Rank
Total interest income	$2,145,000	2,719
Total interest expense	$236,000	2,593
Net interest income	$1,909,000	2,705
Provision for loan and lease losses	$54,000	2,022
Total noninterest income	$418,000	2,343
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$165,000	1,700
Trading account gains and fees	$0	152
Additional Noninterest Income	$253,000	2,336
Total noninterest expense	$2,126,000	2,210
Salaries and employee benefits	$1,158,000	2,229
Premises and equipment expense	$342,000	1,709
Additional noninterest expense	$626,000	2,324
Pre-tax net operating income	$147,000	4,854
Securities gains (losses)	$171,000	408
Applicable income taxes	$79,000	2,651
Income before extraordinary items	$239,000	4,024
Extraordinary gains, net	$0	13
Net income	$239,000	4,028
Minority interest net income	$0	64
Net income of bank and minority interests.	$239,000	4,028
Net charge-offs	$54,000	1,502
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$110,750	4,957
2014-12-31 (YTD Data)		Rank
Total interest income	$8,778,000	2,700
Total interest expense	$1,063,000	2,483
Net interest income	$7,715,000	2,707
Provision for loan and lease losses	$120,000	2,961
Total noninterest income	$1,847,000	2,229
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$791,000	1,598
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,056,000	2,256
Total noninterest expense	$8,453,000	2,221
Salaries and employee benefits	$4,466,000	2,266
Premises and equipment expense	$1,156,000	1,985
Additional noninterest expense	$2,831,000	2,143
Pre-tax net operating income	$989,000	4,162
Securities gains (losses)	$367,000	529
Applicable income taxes	$292,000	2,661
Income before extraordinary items	$1,064,000	3,849
Extraordinary gains, net	$0	17
Net income	$1,064,000	3,849
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,064,000	3,850
Net charge-offs	$364,000	1,815
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$777,740	4,293
2014-09-30 (YTD Data)		Rank
Total interest income	$6,657,000	2,694
Total interest expense	$809,000	2,499
Net interest income	$5,848,000	2,695
Provision for loan and lease losses	$90,000	2,885
Total noninterest income	$1,396,000	2,218
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$598,000	1,605
Trading account gains and fees	$0	174
Additional Noninterest Income	$798,000	2,260
Total noninterest expense	$6,386,000	2,209
Salaries and employee benefits	$3,339,000	2,283
Premises and equipment expense	$854,000	2,029
Additional noninterest expense	$2,193,000	2,075
Pre-tax net operating income	$768,000	4,176
Securities gains (losses)	$332,000	442
Applicable income taxes	$255,000	2,595
Income before extraordinary items	$845,000	3,816
Extraordinary gains, net	$0	15
Net income	$845,000	3,818
Minority interest net income	$0	81
Net income of bank and minority interests.	$845,000	3,819
Net charge-offs	$302,000	1,603
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$589,360	4,332
2014-06-30 (YTD Data)		Rank
Total interest income	$4,476,000	2,670
Total interest expense	$547,000	2,485
Net interest income	$3,929,000	2,661
Provision for loan and lease losses	$60,000	2,755
Total noninterest income	$939,000	2,169
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$382,000	1,628
Trading account gains and fees	$0	172
Additional Noninterest Income	$557,000	2,172
Total noninterest expense	$4,334,000	2,166
Salaries and employee benefits	$2,214,000	2,298
Premises and equipment expense	$556,000	2,080
Additional noninterest expense	$1,564,000	1,956
Pre-tax net operating income	$474,000	4,258
Securities gains (losses)	$260,000	407
Applicable income taxes	$150,000	2,690
Income before extraordinary items	$584,000	3,679
Extraordinary gains, net	$0	20
Net income	$584,000	3,683
Minority interest net income	$0	80
Net income of bank and minority interests.	$584,000	3,686
Net charge-offs	$211,000	1,543
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$376,000	4,357
2014-03-31 (YTD Data)		Rank
Total interest income	$2,264,000	2,642
Total interest expense	$280,000	2,481
Net interest income	$1,984,000	2,646
Provision for loan and lease losses	$30,000	2,577
Total noninterest income	$459,000	2,159
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$183,000	1,674
Trading account gains and fees	$0	147
Additional Noninterest Income	$276,000	2,121
Total noninterest expense	$2,055,000	2,282
Salaries and employee benefits	$1,100,000	2,304
Premises and equipment expense	$297,000	1,999
Additional noninterest expense	$658,000	2,276
Pre-tax net operating income	$358,000	3,499
Securities gains (losses)	$13,000	1,084
Applicable income taxes	$114,000	2,245
Income before extraordinary items	$257,000	3,812
Extraordinary gains, net	$0	16
Net income	$257,000	3,815
Minority interest net income	$0	66
Net income of bank and minority interests.	$257,000	3,815
Net charge-offs	$191,000	981
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$248,030	3,828
2013-12-31 (YTD Data)		Rank
Total interest income	$9,395,000	2,567
Total interest expense	$1,419,000	2,259
Net interest income	$7,976,000	2,609
Provision for loan and lease losses	$100,000	3,676
Total noninterest income	$1,818,000	2,289
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$718,000	1,787
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,100,000	2,244
Total noninterest expense	$8,054,000	2,318
Salaries and employee benefits	$4,227,000	2,360
Premises and equipment expense	$1,085,000	2,094
Additional noninterest expense	$2,742,000	2,269
Pre-tax net operating income	$1,640,000	3,231
Securities gains (losses)	$550,000	418
Applicable income taxes	$589,000	1,983
Income before extraordinary items	$1,601,000	3,040
Extraordinary gains, net	$0	29
Net income	$1,601,000	3,042
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,601,000	3,043
Net charge-offs	$199,000	3,019
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,199,500	3,524
2013-09-30 (YTD Data)		Rank
Total interest income	$7,096,000	2,571
Total interest expense	$1,105,000	2,255
Net interest income	$5,991,000	2,622
Provision for loan and lease losses	$160,000	2,863
Total noninterest income	$1,405,000	2,294
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$499,000	1,909
Trading account gains and fees	$0	180
Additional Noninterest Income	$906,000	2,191
Total noninterest expense	$5,799,000	2,410
Salaries and employee benefits	$3,144,000	2,393
Premises and equipment expense	$815,000	2,113
Additional noninterest expense	$1,840,000	2,489
Pre-tax net operating income	$1,437,000	2,997
Securities gains (losses)	$194,000	840
Applicable income taxes	$531,000	1,851
Income before extraordinary items	$1,100,000	3,244
Extraordinary gains, net	$0	25
Net income	$1,100,000	3,247
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,100,000	3,248
Net charge-offs	$35,000	4,100
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$970,020	3,404
2013-06-30 (YTD Data)		Rank
Total interest income	$4,759,000	2,552
Total interest expense	$760,000	2,244
Net interest income	$3,999,000	2,609
Provision for loan and lease losses	$120,000	2,706
Total noninterest income	$1,008,000	2,220
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$314,000	1,963
Trading account gains and fees	$0	157
Additional Noninterest Income	$694,000	2,032
Total noninterest expense	$3,875,000	2,404
Salaries and employee benefits	$2,089,000	2,409
Premises and equipment expense	$551,000	2,082
Additional noninterest expense	$1,235,000	2,469
Pre-tax net operating income	$1,012,000	2,875
Securities gains (losses)	$86,000	1,198
Applicable income taxes	$342,000	1,884
Income before extraordinary items	$756,000	3,168
Extraordinary gains, net	$0	22
Net income	$756,000	3,170
Minority interest net income	$0	82
Net income of bank and minority interests.	$756,000	3,171
Net charge-offs	$0	4,909
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$696,660	3,232
2013-03-31 (YTD Data)		Rank
Total interest income	$2,383,000	2,565
Total interest expense	$393,000	2,234
Net interest income	$1,990,000	2,624
Provision for loan and lease losses	$60,000	2,589
Total noninterest income	$346,000	2,783
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$153,000	1,999
Trading account gains and fees	$0	148
Additional Noninterest Income	$193,000	2,827
Total noninterest expense	$1,937,000	2,443
Salaries and employee benefits	$1,042,000	2,435
Premises and equipment expense	$271,000	2,162
Additional noninterest expense	$624,000	2,456
Pre-tax net operating income	$339,000	3,581
Securities gains (losses)	$1,000	1,864
Applicable income taxes	$98,000	2,428
Income before extraordinary items	$242,000	3,941
Extraordinary gains, net	$0	10
Net income	$242,000	3,943
Minority interest net income	$0	76
Net income of bank and minority interests.	$242,000	3,944
Net charge-offs	$3,000	3,820
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$241,290	3,861
2012-12-31 (YTD Data)		Rank
Total interest income	$10,160,000	2,535
Total interest expense	$1,925,000	2,194
Net interest income	$8,235,000	2,611
Provision for loan and lease losses	$440,000	2,897
Total noninterest income	$1,413,000	2,707
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$676,000	1,964
Trading account gains and fees	$0	166
Additional Noninterest Income	$737,000	2,822
Total noninterest expense	$7,848,000	2,418
Salaries and employee benefits	$4,259,000	2,317
Premises and equipment expense	$1,025,000	2,239
Additional noninterest expense	$2,564,000	2,504
Pre-tax net operating income	$1,360,000	3,494
Securities gains (losses)	$107,000	2,220
Applicable income taxes	$460,000	2,269
Income before extraordinary items	$1,007,000	3,900
Extraordinary gains, net	$0	29
Net income	$1,007,000	3,900
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,007,000	3,902
Net charge-offs	$716,000	2,204
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$933,170	3,850
2012-09-30 (YTD Data)		Rank
Total interest income	$7,685,000	2,563
Total interest expense	$1,493,000	2,218
Net interest income	$6,192,000	2,643
Provision for loan and lease losses	$360,000	2,719
Total noninterest income	$1,059,000	2,711
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$503,000	1,992
Trading account gains and fees	$0	157
Additional Noninterest Income	$556,000	2,779
Total noninterest expense	$5,973,000	2,379
Salaries and employee benefits	$3,249,000	2,284
Premises and equipment expense	$770,000	2,258
Additional noninterest expense	$1,954,000	2,466
Pre-tax net operating income	$918,000	3,785
Securities gains (losses)	$-7,000	6,846
Applicable income taxes	$294,000	2,490
Income before extraordinary items	$617,000	4,312
Extraordinary gains, net	$0	20
Net income	$617,000	4,312
Minority interest net income	$0	86
Net income of bank and minority interests.	$617,000	4,311
Net charge-offs	$676,000	1,854
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$621,760	4,133
2012-06-30 (YTD Data)		Rank
Total interest income	$5,133,000	2,569
Total interest expense	$1,029,000	2,232
Net interest income	$4,104,000	2,655
Provision for loan and lease losses	$240,000	2,731
Total noninterest income	$735,000	2,617
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$332,000	1,988
Trading account gains and fees	$0	153
Additional Noninterest Income	$403,000	2,639
Total noninterest expense	$3,999,000	2,367
Salaries and employee benefits	$2,163,000	2,291
Premises and equipment expense	$509,000	2,256
Additional noninterest expense	$1,327,000	2,445
Pre-tax net operating income	$600,000	3,795
Securities gains (losses)	$-1,000	6,818
Applicable income taxes	$196,000	2,467
Income before extraordinary items	$403,000	4,345
Extraordinary gains, net	$0	19
Net income	$403,000	4,348
Minority interest net income	$0	84
Net income of bank and minority interests.	$403,000	4,347
Net charge-offs	$533,000	1,701
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$403,670	4,166
2012-03-31 (YTD Data)		Rank
Total interest income	$2,610,000	2,554
Total interest expense	$526,000	2,271
Net interest income	$2,084,000	2,623
Provision for loan and lease losses	$120,000	2,650
Total noninterest income	$328,000	2,805
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$167,000	1,966
Trading account gains and fees	$0	148
Additional Noninterest Income	$161,000	2,974
Total noninterest expense	$2,022,000	2,339
Salaries and employee benefits	$1,071,000	2,333
Premises and equipment expense	$267,000	2,158
Additional noninterest expense	$684,000	2,340
Pre-tax net operating income	$270,000	4,019
Securities gains (losses)	$0	2,210
Applicable income taxes	$94,000	2,499
Income before extraordinary items	$176,000	4,585
Extraordinary gains, net	$0	19
Net income	$176,000	4,588
Minority interest net income	$0	78
Net income of bank and minority interests.	$176,000	4,588
Net charge-offs	$503,000	1,091
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$176,000	4,451
2011-12-31 (YTD Data)		Rank
Total interest income	$10,759,000	2,588
Total interest expense	$2,352,000	2,440
Net interest income	$8,407,000	2,606
Provision for loan and lease losses	$859,000	2,638
Total noninterest income	$1,417,000	2,544
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$696,000	1,999
Trading account gains and fees	$0	146
Additional Noninterest Income	$721,000	2,595
Total noninterest expense	$7,953,000	2,386
Salaries and employee benefits	$4,206,000	2,293
Premises and equipment expense	$1,091,000	2,226
Additional noninterest expense	$2,656,000	2,473
Pre-tax net operating income	$1,012,000	3,709
Securities gains (losses)	$91,000	2,147
Applicable income taxes	$334,000	2,429
Income before extraordinary items	$769,000	4,009
Extraordinary gains, net	$0	29
Net income	$769,000	4,014
Minority interest net income	$0	96
Net income of bank and minority interests.	$769,000	4,013
Net charge-offs	$293,000	3,828
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$705,300	4,014
2011-09-30 (YTD Data)		Rank
Total interest income	$8,086,000	2,604
Total interest expense	$1,796,000	2,495
Net interest income	$6,290,000	2,613
Provision for loan and lease losses	$344,000	3,436
Total noninterest income	$1,055,000	2,538
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$509,000	2,041
Trading account gains and fees	$0	145
Additional Noninterest Income	$546,000	2,570
Total noninterest expense	$6,038,000	2,371
Salaries and employee benefits	$3,185,000	2,271
Premises and equipment expense	$823,000	2,233
Additional noninterest expense	$2,030,000	2,426
Pre-tax net operating income	$963,000	3,378
Securities gains (losses)	$51,000	2,319
Applicable income taxes	$342,000	2,123
Income before extraordinary items	$672,000	3,829
Extraordinary gains, net	$0	21
Net income	$672,000	3,831
Minority interest net income	$0	87
Net income of bank and minority interests.	$672,000	3,831
Net charge-offs	$243,000	3,484
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$638,340	3,806
2011-06-30 (YTD Data)		Rank
Total interest income	$5,419,000	2,616
Total interest expense	$1,218,000	2,529
Net interest income	$4,201,000	2,627
Provision for loan and lease losses	$230,000	3,361
Total noninterest income	$627,000	2,726
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$327,000	2,086
Trading account gains and fees	$0	153
Additional Noninterest Income	$300,000	2,874
Total noninterest expense	$4,024,000	2,391
Salaries and employee benefits	$2,116,000	2,289
Premises and equipment expense	$560,000	2,224
Additional noninterest expense	$1,348,000	2,476
Pre-tax net operating income	$574,000	3,553
Securities gains (losses)	$51,000	1,585
Applicable income taxes	$211,000	2,173
Income before extraordinary items	$414,000	3,918
Extraordinary gains, net	$0	15
Net income	$414,000	3,919
Minority interest net income	$0	89
Net income of bank and minority interests.	$414,000	3,920
Net charge-offs	$157,000	3,354
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$380,340	3,977
2011-03-31 (YTD Data)		Rank
Total interest income	$2,723,000	2,623
Total interest expense	$617,000	2,571
Net interest income	$2,106,000	2,610
Provision for loan and lease losses	$117,000	3,189
Total noninterest income	$303,000	2,808
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$154,000	2,159
Trading account gains and fees	$0	158
Additional Noninterest Income	$149,000	2,909
Total noninterest expense	$2,064,000	2,359
Salaries and employee benefits	$1,054,000	2,321
Premises and equipment expense	$296,000	2,170
Additional noninterest expense	$714,000	2,322
Pre-tax net operating income	$228,000	4,013
Securities gains (losses)	$6,000	1,415
Applicable income taxes	$82,000	2,391
Income before extraordinary items	$152,000	4,424
Extraordinary gains, net	$0	9
Net income	$152,000	4,423
Minority interest net income	$0	86
Net income of bank and minority interests.	$152,000	4,424
Net charge-offs	$156,000	2,320
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$148,100	4,417
2010-12-31 (YTD Data)		Rank
Total interest income	$11,147,000	2,694
Total interest expense	$2,758,000	2,778
Net interest income	$8,389,000	2,612
Provision for loan and lease losses	$493,000	4,153
Total noninterest income	$1,421,000	2,608
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$739,000	1,962
Trading account gains and fees	$0	175
Additional Noninterest Income	$682,000	2,727
Total noninterest expense	$7,952,000	2,429
Salaries and employee benefits	$4,217,000	2,292
Premises and equipment expense	$1,040,000	2,396
Additional noninterest expense	$2,695,000	2,505
Pre-tax net operating income	$1,365,000	2,876
Securities gains (losses)	$-107,000	7,233
Applicable income taxes	$467,000	1,951
Income before extraordinary items	$791,000	3,628
Extraordinary gains, net	$0	29
Net income	$791,000	3,625
Minority interest net income	$0	111
Net income of bank and minority interests.	$791,000	3,628
Net charge-offs	$328,000	4,196
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$859,480	3,373
2010-09-30 (YTD Data)		Rank
Total interest income	$8,363,000	2,749
Total interest expense	$2,107,000	2,845
Net interest income	$6,256,000	2,655
Provision for loan and lease losses	$314,000	4,258
Total noninterest income	$1,045,000	2,649
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$564,000	1,980
Trading account gains and fees	$0	165
Additional Noninterest Income	$481,000	2,817
Total noninterest expense	$5,964,000	2,430
Salaries and employee benefits	$3,182,000	2,284
Premises and equipment expense	$783,000	2,425
Additional noninterest expense	$1,999,000	2,484
Pre-tax net operating income	$1,023,000	3,047
Securities gains (losses)	$98,000	1,957
Applicable income taxes	$398,000	1,880
Income before extraordinary items	$723,000	3,461
Extraordinary gains, net	$0	23
Net income	$723,000	3,459
Minority interest net income	$0	110
Net income of bank and minority interests.	$723,000	3,461
Net charge-offs	$312,000	3,676
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$660,280	3,474
2010-06-30 (YTD Data)		Rank
Total interest income	$5,587,000	2,774
Total interest expense	$1,427,000	2,900
Net interest income	$4,160,000	2,659
Provision for loan and lease losses	$209,000	4,163
Total noninterest income	$761,000	2,442
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$385,000	1,958
Trading account gains and fees	$0	152
Additional Noninterest Income	$376,000	2,501
Total noninterest expense	$3,984,000	2,439
Salaries and employee benefits	$2,110,000	2,304
Premises and equipment expense	$523,000	2,436
Additional noninterest expense	$1,351,000	2,455
Pre-tax net operating income	$728,000	2,961
Securities gains (losses)	$98,000	1,431
Applicable income taxes	$297,000	1,749
Income before extraordinary items	$529,000	3,309
Extraordinary gains, net	$0	19
Net income	$529,000	3,306
Minority interest net income	$0	105
Net income of bank and minority interests.	$529,000	3,308
Net charge-offs	$217,000	3,445
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$466,280	3,420
2010-03-31 (YTD Data)		Rank
Total interest income	$2,797,000	2,822
Total interest expense	$726,000	2,978
Net interest income	$2,071,000	2,690
Provision for loan and lease losses	$104,000	3,910
Total noninterest income	$318,000	2,756
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$193,000	1,930
Trading account gains and fees	$0	175
Additional Noninterest Income	$125,000	3,132
Total noninterest expense	$1,928,000	2,531
Salaries and employee benefits	$1,044,000	2,363
Premises and equipment expense	$273,000	2,390
Additional noninterest expense	$611,000	2,669
Pre-tax net operating income	$357,000	3,041
Securities gains (losses)	$81,000	884
Applicable income taxes	$158,000	1,683
Income before extraordinary items	$280,000	3,268
Extraordinary gains, net	$0	16
Net income	$280,000	3,265
Minority interest net income	$0	91
Net income of bank and minority interests.	$280,000	3,268
Net charge-offs	$58,000	3,603
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$228,160	3,524
2009-12-31 (YTD Data)		Rank
Total interest income	$10,988,000	2,973
Total interest expense	$3,270,000	3,206
Net interest income	$7,718,000	2,815
Provision for loan and lease losses	$253,000	5,503
Total noninterest income	$1,266,000	2,871
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$769,000	2,105
Trading account gains and fees	$0	211
Additional Noninterest Income	$497,000	3,205
Total noninterest expense	$7,783,000	2,533
Salaries and employee benefits	$4,115,000	2,382
Premises and equipment expense	$1,077,000	2,428
Additional noninterest expense	$2,591,000	2,668
Pre-tax net operating income	$948,000	3,070
Securities gains (losses)	$-196,000	7,416
Applicable income taxes	$200,000	2,375
Income before extraordinary items	$552,000	3,725
Extraordinary gains, net	$0	34
Net income	$552,000	3,722
Minority interest net income	$0	115
Net income of bank and minority interests.	$552,000	3,723
Net charge-offs	$236,000	4,789
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$695,080	3,311
2009-09-30 (YTD Data)		Rank
Total interest income	$8,252,000	3,019
Total interest expense	$2,487,000	3,305
Net interest income	$5,765,000	2,829
Provision for loan and lease losses	$87,000	6,152
Total noninterest income	$991,000	2,833
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$565,000	2,140
Trading account gains and fees	$0	212
Additional Noninterest Income	$426,000	3,074
Total noninterest expense	$5,730,000	2,587
Salaries and employee benefits	$3,060,000	2,432
Premises and equipment expense	$837,000	2,376
Additional noninterest expense	$1,833,000	2,764
Pre-tax net operating income	$939,000	2,844
Securities gains (losses)	$-196,000	7,582
Applicable income taxes	$251,000	2,095
Income before extraordinary items	$492,000	3,719
Extraordinary gains, net	$0	27
Net income	$492,000	3,717
Minority interest net income	$0	118
Net income of bank and minority interests.	$492,000	3,718
Net charge-offs	$226,000	4,115
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$621,360	3,231
2009-06-30 (YTD Data)		Rank
Total interest income	$5,457,000	3,077
Total interest expense	$1,690,000	3,373
Net interest income	$3,767,000	2,873
Provision for loan and lease losses	$25,000	6,581
Total noninterest income	$659,000	2,851
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$368,000	2,154
Trading account gains and fees	$0	193
Additional Noninterest Income	$291,000	3,061
Total noninterest expense	$3,761,000	2,654
Salaries and employee benefits	$2,022,000	2,489
Premises and equipment expense	$566,000	2,374
Additional noninterest expense	$1,173,000	2,890
Pre-tax net operating income	$640,000	2,911
Securities gains (losses)	$-222,000	7,807
Applicable income taxes	$137,000	2,356
Income before extraordinary items	$281,000	4,067
Extraordinary gains, net	$0	21
Net income	$281,000	4,067
Minority interest net income	$0	112
Net income of bank and minority interests.	$281,000	4,067
Net charge-offs	$212,000	3,353
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$429,740	3,248
2009-03-31 (YTD Data)		Rank
Total interest income	$2,729,000	3,109
Total interest expense	$871,000	3,395
Net interest income	$1,858,000	2,891
Provision for loan and lease losses	$3,000	6,618
Total noninterest income	$356,000	2,697
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$182,000	2,131
Trading account gains and fees	$0	171
Additional Noninterest Income	$174,000	2,705
Total noninterest expense	$1,890,000	2,557
Salaries and employee benefits	$1,033,000	2,484
Premises and equipment expense	$299,000	2,305
Additional noninterest expense	$558,000	2,729
Pre-tax net operating income	$321,000	3,230
Securities gains (losses)	$1,000	2,304
Applicable income taxes	$112,000	2,060
Income before extraordinary items	$210,000	3,788
Extraordinary gains, net	$0	15
Net income	$210,000	3,787
Minority interest net income	$0	102
Net income of bank and minority interests.	$210,000	3,789
Net charge-offs	$75,000	3,171
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$209,350	3,638
2008-12-31 (YTD Data)		Rank
Total interest income	$11,657,000	3,118
Total interest expense	$4,037,000	3,491
Net interest income	$7,620,000	2,832
Provision for loan and lease losses	$13,000	7,117
Total noninterest income	$1,267,000	2,952
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$827,000	2,068
Trading account gains and fees	$0	154
Additional Noninterest Income	$440,000	3,418
Total noninterest expense	$7,041,000	2,682
Salaries and employee benefits	$3,949,000	2,544
Premises and equipment expense	$962,000	2,719
Additional noninterest expense	$2,130,000	2,702
Pre-tax net operating income	$1,833,000	2,634
Securities gains (losses)	$-108,000	7,256
Applicable income taxes	$548,000	1,755
Income before extraordinary items	$1,177,000	2,970
Extraordinary gains, net	$0	39
Net income	$1,177,000	2,969
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	4,948
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,250,440	2,977
2008-09-30 (YTD Data)		Rank
Total interest income	$8,781,000	3,173
Total interest expense	$3,053,000	3,580
Net interest income	$5,728,000	2,851
Provision for loan and lease losses	$12,000	6,700
Total noninterest income	$944,000	3,008
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$619,000	2,086
Trading account gains and fees	$0	148
Additional Noninterest Income	$325,000	3,549
Total noninterest expense	$5,259,000	2,666
Salaries and employee benefits	$2,989,000	2,556
Premises and equipment expense	$723,000	2,716
Additional noninterest expense	$1,547,000	2,709
Pre-tax net operating income	$1,401,000	2,983
Securities gains (losses)	$-108,000	7,540
Applicable income taxes	$429,000	2,080
Income before extraordinary items	$864,000	3,413
Extraordinary gains, net	$0	31
Net income	$864,000	3,412
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	5,490
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$936,360	3,381
2008-06-30 (YTD Data)		Rank
Total interest income	$5,863,000	3,205
Total interest expense	$2,065,000	3,663
Net interest income	$3,798,000	2,838
Provision for loan and lease losses	$9,000	6,362
Total noninterest income	$615,000	3,089
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$402,000	2,114
Trading account gains and fees	$0	149
Additional Noninterest Income	$213,000	3,639
Total noninterest expense	$3,516,000	2,668
Salaries and employee benefits	$1,992,000	2,577
Premises and equipment expense	$486,000	2,705
Additional noninterest expense	$1,038,000	2,664
Pre-tax net operating income	$888,000	3,200
Securities gains (losses)	$-42,000	8,218
Applicable income taxes	$278,000	2,301
Income before extraordinary items	$568,000	3,751
Extraordinary gains, net	$0	21
Net income	$568,000	3,752
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	5,182
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$596,140	3,601
2008-03-31 (YTD Data)		Rank
Total interest income	$2,981,000	3,247
Total interest expense	$1,060,000	3,766
Net interest income	$1,921,000	2,803
Provision for loan and lease losses	$5,000	5,755
Total noninterest income	$278,000	3,286
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$195,000	2,117
Trading account gains and fees	$0	158
Additional Noninterest Income	$83,000	4,124
Total noninterest expense	$1,827,000	2,579
Salaries and employee benefits	$1,002,000	2,579
Premises and equipment expense	$258,000	2,601
Additional noninterest expense	$567,000	2,426
Pre-tax net operating income	$367,000	3,733
Securities gains (losses)	$-16,000	8,354
Applicable income taxes	$110,000	2,677
Income before extraordinary items	$241,000	4,268
Extraordinary gains, net	$0	15
Net income	$241,000	4,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,249
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$252,040	4,090
2007-12-31 (YTD Data)		Rank
Total interest income	$12,079,000	3,269
Total interest expense	$4,195,000	3,895
Net interest income	$7,884,000	2,763
Provision for loan and lease losses	$-102,000	8,384
Total noninterest income	$1,172,000	3,188
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$818,000	2,098
Trading account gains and fees	$0	178
Additional Noninterest Income	$354,000	3,962
Total noninterest expense	$6,941,000	2,612
Salaries and employee benefits	$3,829,000	2,592
Premises and equipment expense	$945,000	2,690
Additional noninterest expense	$2,167,000	2,485
Pre-tax net operating income	$2,217,000	3,104
Securities gains (losses)	$134,000	533
Applicable income taxes	$797,000	2,144
Income before extraordinary items	$1,554,000	3,361
Extraordinary gains, net	$0	39
Net income	$1,554,000	3,360
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-23,000	8,140
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,465,560	3,486
2007-09-30 (YTD Data)		Rank
Total interest income	$9,058,000	3,275
Total interest expense	$3,089,000	3,942
Net interest income	$5,969,000	2,739
Provision for loan and lease losses	$9,000	6,211
Total noninterest income	$858,000	3,242
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$594,000	2,134
Trading account gains and fees	$0	184
Additional Noninterest Income	$264,000	3,988
Total noninterest expense	$5,177,000	2,606
Salaries and employee benefits	$2,835,000	2,611
Premises and equipment expense	$682,000	2,772
Additional noninterest expense	$1,660,000	2,391
Pre-tax net operating income	$1,641,000	3,274
Securities gains (losses)	$136,000	433
Applicable income taxes	$604,000	2,276
Income before extraordinary items	$1,173,000	3,520
Extraordinary gains, net	$0	33
Net income	$1,173,000	3,519
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	7,769
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,083,240	3,682
2007-06-30 (YTD Data)		Rank
Total interest income	$5,996,000	3,291
Total interest expense	$2,008,000	4,016
Net interest income	$3,988,000	2,765
Provision for loan and lease losses	$9,000	5,815
Total noninterest income	$564,000	3,294
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$390,000	2,167
Trading account gains and fees	$0	168
Additional Noninterest Income	$174,000	4,057
Total noninterest expense	$3,394,000	2,668
Salaries and employee benefits	$1,879,000	2,654
Premises and equipment expense	$442,000	2,856
Additional noninterest expense	$1,073,000	2,465
Pre-tax net operating income	$1,149,000	3,198
Securities gains (losses)	$205,000	301
Applicable income taxes	$444,000	2,231
Income before extraordinary items	$910,000	3,219
Extraordinary gains, net	$0	29
Net income	$910,000	3,218
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-23,000	8,057
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$772,650	3,573
2007-03-31 (YTD Data)		Rank
Total interest income	$2,986,000	3,298
Total interest expense	$980,000	4,066
Net interest income	$2,006,000	2,747
Provision for loan and lease losses	$5,000	5,396
Total noninterest income	$270,000	3,352
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$186,000	2,187
Trading account gains and fees	$0	195
Additional Noninterest Income	$84,000	4,109
Total noninterest expense	$1,658,000	2,735
Salaries and employee benefits	$934,000	2,705
Premises and equipment expense	$211,000	2,983
Additional noninterest expense	$513,000	2,560
Pre-tax net operating income	$613,000	3,078
Securities gains (losses)	$3,000	908
Applicable income taxes	$197,000	2,422
Income before extraordinary items	$419,000	3,381
Extraordinary gains, net	$0	22
Net income	$419,000	3,381
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	3,606
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$416,960	3,373
2006-12-31 (YTD Data)		Rank
Total interest income	$12,000,000	3,088
Total interest expense	$3,699,000	3,779
Net interest income	$8,301,000	2,677
Provision for loan and lease losses	$20,000	6,291
Total noninterest income	$1,166,000	3,184
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$786,000	2,142
Trading account gains and fees	$0	130
Additional Noninterest Income	$380,000	3,825
Total noninterest expense	$6,802,000	2,581
Salaries and employee benefits	$3,745,000	2,590
Premises and equipment expense	$772,000	3,096
Additional noninterest expense	$2,285,000	2,278
Pre-tax net operating income	$2,645,000	3,011
Securities gains (losses)	$420,000	267
Applicable income taxes	$1,017,000	2,168
Income before extraordinary items	$2,048,000	3,048
Extraordinary gains, net	$0	51
Net income	$2,048,000	3,049
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	5,171
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,766,600	3,379
2006-09-30 (YTD Data)		Rank
Total interest income	$8,974,000	3,074
Total interest expense	$2,723,000	3,751
Net interest income	$6,251,000	2,700
Provision for loan and lease losses	$18,000	6,058
Total noninterest income	$867,000	3,218
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$576,000	2,201
Trading account gains and fees	$0	126
Additional Noninterest Income	$291,000	3,792
Total noninterest expense	$5,130,000	2,565
Salaries and employee benefits	$2,824,000	2,574
Premises and equipment expense	$584,000	3,078
Additional noninterest expense	$1,722,000	2,254
Pre-tax net operating income	$1,970,000	3,155
Securities gains (losses)	$287,000	282
Applicable income taxes	$755,000	2,288
Income before extraordinary items	$1,502,000	3,203
Extraordinary gains, net	$0	45
Net income	$1,502,000	3,204
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	4,656
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,309,710	3,502
2006-06-30 (YTD Data)		Rank
Total interest income	$5,964,000	3,042
Total interest expense	$1,772,000	3,691
Net interest income	$4,192,000	2,695
Provision for loan and lease losses	$12,000	5,878
Total noninterest income	$575,000	3,208
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$375,000	2,219
Trading account gains and fees	$0	126
Additional Noninterest Income	$200,000	3,748
Total noninterest expense	$3,231,000	2,721
Salaries and employee benefits	$1,877,000	2,578
Premises and equipment expense	$385,000	3,097
Additional noninterest expense	$969,000	2,638
Pre-tax net operating income	$1,524,000	2,852
Securities gains (losses)	$18,000	623
Applicable income taxes	$556,000	2,152
Income before extraordinary items	$986,000	3,249
Extraordinary gains, net	$0	39
Net income	$986,000	3,251
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	4,181
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$974,480	3,269
2006-03-31 (YTD Data)		Rank
Total interest income	$2,938,000	3,027
Total interest expense	$865,000	3,636
Net interest income	$2,073,000	2,700
Provision for loan and lease losses	$6,000	5,562
Total noninterest income	$270,000	3,302
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$173,000	2,307
Trading account gains and fees	$0	115
Additional Noninterest Income	$97,000	3,775
Total noninterest expense	$1,602,000	2,730
Salaries and employee benefits	$938,000	2,591
Premises and equipment expense	$194,000	3,094
Additional noninterest expense	$470,000	2,686
Pre-tax net operating income	$735,000	2,874
Securities gains (losses)	$-2,000	7,972
Applicable income taxes	$265,000	2,175
Income before extraordinary items	$468,000	3,332
Extraordinary gains, net	$0	21
Net income	$468,000	3,331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,110
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$469,280	3,303
2005-12-31 (YTD Data)		Rank
Total interest income	$11,810,000	2,749
Total interest expense	$3,274,000	3,105
Net interest income	$8,536,000	2,548
Provision for loan and lease losses	$0	7,120
Total noninterest income	$902,000	3,793
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$497,000	3,068
Trading account gains and fees	$0	138
Additional Noninterest Income	$405,000	3,766
Total noninterest expense	$6,543,000	2,535
Salaries and employee benefits	$3,662,000	2,498
Premises and equipment expense	$795,000	2,916
Additional noninterest expense	$2,086,000	2,390
Pre-tax net operating income	$2,895,000	2,837
Securities gains (losses)	$327,000	387
Applicable income taxes	$1,153,000	2,059
Income before extraordinary items	$2,069,000	3,013
Extraordinary gains, net	$0	46
Net income	$2,069,000	3,015
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,036
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,859,720	3,244
2005-09-30 (YTD Data)		Rank
Total interest income	$8,799,000	2,714
Total interest expense	$2,432,000	2,996
Net interest income	$6,367,000	2,542
Provision for loan and lease losses	$0	6,899
Total noninterest income	$643,000	3,911
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$348,000	3,222
Trading account gains and fees	$0	126
Additional Noninterest Income	$295,000	3,833
Total noninterest expense	$4,987,000	2,482
Salaries and employee benefits	$2,746,000	2,456
Premises and equipment expense	$599,000	2,887
Additional noninterest expense	$1,642,000	2,247
Pre-tax net operating income	$2,023,000	3,030
Securities gains (losses)	$184,000	498
Applicable income taxes	$771,000	2,259
Income before extraordinary items	$1,436,000	3,233
Extraordinary gains, net	$0	35
Net income	$1,436,000	3,234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,608
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,316,400	3,415
2005-06-30 (YTD Data)		Rank
Total interest income	$5,855,000	2,657
Total interest expense	$1,597,000	2,903
Net interest income	$4,258,000	2,516
Provision for loan and lease losses	$0	6,626
Total noninterest income	$429,000	3,874
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$225,000	3,244
Trading account gains and fees	$0	116
Additional Noninterest Income	$204,000	3,731
Total noninterest expense	$3,176,000	2,561
Salaries and employee benefits	$1,802,000	2,476
Premises and equipment expense	$409,000	2,785
Additional noninterest expense	$965,000	2,530
Pre-tax net operating income	$1,511,000	2,734
Securities gains (losses)	$28,000	992
Applicable income taxes	$577,000	2,064
Income before extraordinary items	$962,000	3,180
Extraordinary gains, net	$0	30
Net income	$962,000	3,181
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,447
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$944,080	3,186
2005-03-31 (YTD Data)		Rank
Total interest income	$2,902,000	2,650
Total interest expense	$784,000	2,843
Net interest income	$2,118,000	2,525
Provision for loan and lease losses	$0	6,226
Total noninterest income	$213,000	3,819
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$111,000	3,214
Trading account gains and fees	$0	115
Additional Noninterest Income	$102,000	3,698
Total noninterest expense	$1,590,000	2,571
Salaries and employee benefits	$896,000	2,504
Premises and equipment expense	$213,000	2,712
Additional noninterest expense	$481,000	2,532
Pre-tax net operating income	$741,000	2,733
Securities gains (losses)	$19,000	812
Applicable income taxes	$289,000	2,030
Income before extraordinary items	$471,000	3,186
Extraordinary gains, net	$0	24
Net income	$471,000	3,187
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	7,481
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$458,840	3,223
2004-12-31 (YTD Data)		Rank
Total interest income	$11,977,000	2,398
Total interest expense	$3,091,000	2,562
Net interest income	$8,886,000	2,299
Provision for loan and lease losses	$0	7,314
Total noninterest income	$851,000	3,901
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$457,000	3,341
Trading account gains and fees	$0	138
Additional Noninterest Income	$394,000	3,748
Total noninterest expense	$6,558,000	2,439
Salaries and employee benefits	$3,540,000	2,460
Premises and equipment expense	$808,000	2,769
Additional noninterest expense	$2,210,000	2,204
Pre-tax net operating income	$3,179,000	2,461
Securities gains (losses)	$363,000	558
Applicable income taxes	$1,267,000	1,834
Income before extraordinary items	$2,275,000	2,617
Extraordinary gains, net	$0	34
Net income	$2,275,000	2,620
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,038
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,042,680	2,796
2004-09-30 (YTD Data)		Rank
Total interest income	$8,979,000	2,366
Total interest expense	$2,296,000	2,546
Net interest income	$6,683,000	2,258
Provision for loan and lease losses	$0	7,100
Total noninterest income	$662,000	3,855
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$345,000	3,345
Trading account gains and fees	$0	134
Additional Noninterest Income	$317,000	3,633
Total noninterest expense	$4,931,000	2,409
Salaries and employee benefits	$2,648,000	2,439
Premises and equipment expense	$618,000	2,712
Additional noninterest expense	$1,665,000	2,169
Pre-tax net operating income	$2,414,000	2,461
Securities gains (losses)	$265,000	650
Applicable income taxes	$969,000	1,823
Income before extraordinary items	$1,710,000	2,659
Extraordinary gains, net	$0	26
Net income	$1,710,000	2,661
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,697
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,540,400	2,819
2004-06-30 (YTD Data)		Rank
Total interest income	$6,011,000	2,348
Total interest expense	$1,525,000	2,539
Net interest income	$4,486,000	2,234
Provision for loan and lease losses	$0	6,885
Total noninterest income	$455,000	3,787
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$226,000	3,362
Trading account gains and fees	$0	130
Additional Noninterest Income	$229,000	3,476
Total noninterest expense	$3,339,000	2,382
Salaries and employee benefits	$1,758,000	2,439
Premises and equipment expense	$406,000	2,752
Additional noninterest expense	$1,175,000	2,051
Pre-tax net operating income	$1,602,000	2,444
Securities gains (losses)	$226,000	599
Applicable income taxes	$652,000	1,803
Income before extraordinary items	$1,176,000	2,571
Extraordinary gains, net	$0	21
Net income	$1,176,000	2,572
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,524
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,031,360	2,780
2004-03-31 (YTD Data)		Rank
Total interest income	$3,026,000	2,327
Total interest expense	$779,000	2,507
Net interest income	$2,247,000	2,227
Provision for loan and lease losses	$0	6,501
Total noninterest income	$202,000	4,039
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$109,000	3,379
Trading account gains and fees	$0	121
Additional Noninterest Income	$93,000	3,862
Total noninterest expense	$1,739,000	2,286
Salaries and employee benefits	$861,000	2,517
Premises and equipment expense	$206,000	2,742
Additional noninterest expense	$672,000	1,765
Pre-tax net operating income	$710,000	2,674
Securities gains (losses)	$105,000	779
Applicable income taxes	$265,000	2,103
Income before extraordinary items	$550,000	2,713
Extraordinary gains, net	$0	16
Net income	$550,000	2,713
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,358
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$479,650	2,937
2003-12-31 (YTD Data)		Rank
Total interest income	$12,656,000	2,275
Total interest expense	$3,577,000	2,457
Net interest income	$9,079,000	2,142
Provision for loan and lease losses	$0	7,651
Total noninterest income	$743,000	4,397
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$428,000	3,500
Trading account gains and fees	$0	160
Additional Noninterest Income	$315,000	4,409
Total noninterest expense	$6,446,000	2,436
Salaries and employee benefits	$3,394,000	2,482
Premises and equipment expense	$787,000	2,802
Additional noninterest expense	$2,265,000	2,125
Pre-tax net operating income	$3,376,000	2,283
Securities gains (losses)	$-225,000	9,083
Applicable income taxes	$1,132,000	2,009
Income before extraordinary items	$2,019,000	2,848
Extraordinary gains, net	$0	54
Net income	$2,019,000	2,849
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,392
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,163,000	2,569
2003-09-30 (YTD Data)		Rank
Total interest income	$9,536,000	2,295
Total interest expense	$2,738,000	2,500
Net interest income	$6,798,000	2,157
Provision for loan and lease losses	$75,000	5,202
Total noninterest income	$538,000	4,535
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$312,000	3,579
Trading account gains and fees	$0	153
Additional Noninterest Income	$226,000	4,557
Total noninterest expense	$4,587,000	2,563
Salaries and employee benefits	$2,510,000	2,509
Premises and equipment expense	$585,000	2,840
Additional noninterest expense	$1,492,000	2,412
Pre-tax net operating income	$2,674,000	2,245
Securities gains (losses)	$-163,000	9,145
Applicable income taxes	$960,000	1,918
Income before extraordinary items	$1,551,000	2,894
Extraordinary gains, net	$0	40
Net income	$1,551,000	2,894
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,999
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,655,320	2,599
2003-06-30 (YTD Data)		Rank
Total interest income	$6,418,000	2,287
Total interest expense	$1,861,000	2,534
Net interest income	$4,557,000	2,142
Provision for loan and lease losses	$75,000	4,385
Total noninterest income	$349,000	4,599
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$205,000	3,565
Trading account gains and fees	$0	150
Additional Noninterest Income	$144,000	4,641
Total noninterest expense	$3,045,000	2,557
Salaries and employee benefits	$1,655,000	2,538
Premises and equipment expense	$396,000	2,795
Additional noninterest expense	$994,000	2,380
Pre-tax net operating income	$1,786,000	2,254
Securities gains (losses)	$-36,000	9,142
Applicable income taxes	$665,000	1,895
Income before extraordinary items	$1,085,000	2,802
Extraordinary gains, net	$0	30
Net income	$1,085,000	2,801
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,782
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,108,040	2,594
2003-03-31 (YTD Data)		Rank
Total interest income	$3,186,000	2,318
Total interest expense	$942,000	2,562
Net interest income	$2,244,000	2,175
Provision for loan and lease losses	$45,000	3,818
Total noninterest income	$162,000	4,695
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$101,000	3,525
Trading account gains and fees	$0	134
Additional Noninterest Income	$61,000	4,883
Total noninterest expense	$1,487,000	2,609
Salaries and employee benefits	$819,000	2,560
Premises and equipment expense	$204,000	2,714
Additional noninterest expense	$464,000	2,500
Pre-tax net operating income	$874,000	2,293
Securities gains (losses)	$0	2,891
Applicable income taxes	$332,000	1,911
Income before extraordinary items	$542,000	2,773
Extraordinary gains, net	$0	21
Net income	$542,000	2,770
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$542,000	2,632
2002-12-31 (YTD Data)		Rank
Total interest income	$13,047,000	2,353
Total interest expense	$4,681,000	2,373
Net interest income	$8,366,000	2,318
Provision for loan and lease losses	$180,000	4,547
Total noninterest income	$802,000	3,993
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$438,000	3,307
Trading account gains and fees	$0	153
Additional Noninterest Income	$364,000	3,858
Total noninterest expense	$5,884,000	2,505
Salaries and employee benefits	$3,290,000	2,421
Premises and equipment expense	$722,000	2,924
Additional noninterest expense	$1,872,000	2,466
Pre-tax net operating income	$3,104,000	2,432
Securities gains (losses)	$-243,000	9,210
Applicable income taxes	$1,048,000	2,137
Income before extraordinary items	$1,813,000	3,009
Extraordinary gains, net	$0	70
Net income	$1,813,000	3,008
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	8,721
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,968,520	2,749
2001-12-31 (YTD Data)		Rank
Total interest income	$12,984,000	2,629
Total interest expense	$6,004,000	2,667
Net interest income	$6,980,000	2,563
Provision for loan and lease losses	$0	8,228
Total noninterest income	$1,424,000	2,615
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$424,000	3,236
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,000,000	2,046
Total noninterest expense	$5,973,000	2,388
Salaries and employee benefits	$3,175,000	2,367
Premises and equipment expense	$784,000	2,686
Additional noninterest expense	$2,014,000	2,225
Pre-tax net operating income	$2,431,000	2,725
Securities gains (losses)	$-433,000	9,573
Applicable income taxes	$696,000	2,683
Income before extraordinary items	$1,302,000	3,580
Extraordinary gains, net	$0	105
Net income	$1,302,000	3,582
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$173,000	3,125
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,583,450	3,000
2000-12-31 (YTD Data)		Rank
Total interest income	$13,391,000	2,599
Total interest expense	$6,306,000	2,654
Net interest income	$7,085,000	2,515
Provision for loan and lease losses	$0	8,337
Total noninterest income	$832,000	3,565
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$494,000	2,725
Trading account gains and fees	$0	180
Additional Noninterest Income	$338,000	3,680
Total noninterest expense	$5,662,000	2,422
Salaries and employee benefits	$3,112,000	2,293
Premises and equipment expense	$786,000	2,620
Additional noninterest expense	$1,764,000	2,434
Pre-tax net operating income	$2,255,000	3,033
Securities gains (losses)	$426,000	284
Applicable income taxes	$803,000	2,514
Income before extraordinary items	$1,878,000	2,712
Extraordinary gains, net	$0	38
Net income	$1,878,000	2,711
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	4,889
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,579,800	3,115
1999-12-31 (YTD Data)		Rank
Total interest income	$12,734,000	2,570
Total interest expense	$5,807,000	2,531
Net interest income	$6,927,000	2,536
Provision for loan and lease losses	$40,000	6,849
Total noninterest income	$815,000	3,574
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$467,000	2,796
Trading account gains and fees	$0	173
Additional Noninterest Income	$348,000	3,703
Total noninterest expense	$5,872,000	2,320
Salaries and employee benefits	$2,997,000	2,344
Premises and equipment expense	$817,000	2,484
Additional noninterest expense	$2,058,000	2,118
Pre-tax net operating income	$1,830,000	3,564
Securities gains (losses)	$599,000	307
Applicable income taxes	$753,000	2,768
Income before extraordinary items	$1,676,000	2,967
Extraordinary gains, net	$0	35
Net income	$1,676,000	2,968
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,000	3,630
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,262,690	3,679
1998-12-31 (YTD Data)		Rank
Total interest income	$12,615,000	2,588
Total interest expense	$5,905,000	2,561
Net interest income	$6,710,000	2,533
Provision for loan and lease losses	$179,000	3,823
Total noninterest income	$624,000	4,272
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$444,000	2,855
Trading account gains and fees	$0	224
Additional Noninterest Income	$180,000	5,229
Total noninterest expense	$5,752,000	2,271
Salaries and employee benefits	$2,829,000	2,387
Premises and equipment expense	$781,000	2,506
Additional noninterest expense	$2,142,000	1,979
Pre-tax net operating income	$1,403,000	4,399
Securities gains (losses)	$227,000	855
Applicable income taxes	$463,000	4,049
Income before extraordinary items	$1,167,000	4,024
Extraordinary gains, net	$0	32
Net income	$1,167,000	4,023
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	4,589
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,003,560	4,407
1997-12-31 (YTD Data)		Rank
Total interest income	$13,010,000	2,524
Total interest expense	$6,104,000	2,458
Net interest income	$6,906,000	2,515
Provision for loan and lease losses	$668,000	1,375
Total noninterest income	$551,000	4,686
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$408,000	3,167
Trading account gains and fees	$0	239
Additional Noninterest Income	$143,000	5,821
Total noninterest expense	$5,227,000	2,467
Salaries and employee benefits	$2,647,000	2,512
Premises and equipment expense	$797,000	2,434
Additional noninterest expense	$1,783,000	2,327
Pre-tax net operating income	$1,562,000	4,336
Securities gains (losses)	$509,000	423
Applicable income taxes	$701,000	3,234
Income before extraordinary items	$1,370,000	3,634
Extraordinary gains, net	$0	44
Net income	$1,370,000	3,634
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$483,000	1,376
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,034,060	4,523
1996-12-31 (YTD Data)		Rank
Total interest income	$10,936,000	3,005
Total interest expense	$5,431,000	2,806
Net interest income	$5,505,000	3,213
Provision for loan and lease losses	$191,000	3,529
Total noninterest income	$456,000	5,494
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$272,000	4,529
Trading account gains and fees	$0	262
Additional Noninterest Income	$184,000	5,411
Total noninterest expense	$4,054,000	3,310
Salaries and employee benefits	$1,959,000	3,392
Premises and equipment expense	$633,000	3,041
Additional noninterest expense	$1,462,000	3,190
Pre-tax net operating income	$1,716,000	3,882
Securities gains (losses)	$322,000	530
Applicable income taxes	$652,000	3,355
Income before extraordinary items	$1,386,000	3,436
Extraordinary gains, net	$0	53
Net income	$1,386,000	3,435
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$398,000	1,694
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,167,040	3,910
1995-12-31 (YTD Data)		Rank
Total interest income	$9,377,000	3,484
Total interest expense	$4,646,000	3,225
Net interest income	$4,731,000	3,711
Provision for loan and lease losses	$220,000	2,837
Total noninterest income	$428,000	5,722
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$242,000	5,050
Trading account gains and fees	$0	522
Additional Noninterest Income	$186,000	5,328
Total noninterest expense	$3,160,000	4,098
Salaries and employee benefits	$1,520,000	4,234
Premises and equipment expense	$411,000	4,429
Additional noninterest expense	$1,229,000	3,668
Pre-tax net operating income	$1,779,000	3,874
Securities gains (losses)	$35,000	1,530
Applicable income taxes	$725,000	3,141
Income before extraordinary items	$1,089,000	4,287
Extraordinary gains, net	$0	65
Net income	$1,089,000	4,284
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	6,109
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,066,600	4,352
1994-12-31 (YTD Data)		Rank
Total interest income	$8,774,000	3,420
Total interest expense	$3,680,000	3,314
Net interest income	$5,094,000	3,503
Provision for loan and lease losses	$172,000	3,335
Total noninterest income	$448,000	5,703
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$244,000	5,135
Trading account gains and fees	$0	475
Additional Noninterest Income	$204,000	5,199
Total noninterest expense	$3,095,000	4,299
Salaries and employee benefits	$1,466,000	4,363
Premises and equipment expense	$382,000	4,770
Additional noninterest expense	$1,247,000	3,921
Pre-tax net operating income	$2,275,000	3,080
Securities gains (losses)	$2,000	3,070
Applicable income taxes	$895,000	2,497
Income before extraordinary items	$1,382,000	3,407
Extraordinary gains, net	$0	249
Net income	$1,382,000	3,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,000	3,539
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,380,720	3,440
1993-12-31 (YTD Data)		Rank
Total interest income	$9,042,000	3,398
Total interest expense	$3,996,000	3,172
Net interest income	$5,046,000	3,544
Provision for loan and lease losses	$499,000	2,110
Total noninterest income	$355,000	6,958
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$218,000	5,642
Trading account gains and fees	$0	532
Additional Noninterest Income	$137,000	6,855
Total noninterest expense	$3,250,000	4,196
Salaries and employee benefits	$1,431,000	4,461
Premises and equipment expense	$421,000	4,510
Additional noninterest expense	$1,398,000	3,708
Pre-tax net operating income	$1,652,000	3,964
Securities gains (losses)	$-1,000	12,247
Applicable income taxes	$613,000	3,532
Income before extraordinary items	$1,038,000	4,558
Extraordinary gains, net	$149,000	1,245
Net income	$1,187,000	4,162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$242,000	2,789
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,038,640	4,316
1992-12-31 (YTD Data)		Rank
Total interest income	$10,014,000	3,482
Total interest expense	$5,206,000	3,192
Net interest income	$4,808,000	3,782
Provision for loan and lease losses	$595,000	2,655
Total noninterest income	$383,000	6,701
Gross Fiduciary activities income	$0	1,658
Service charges on deposit accounts	$205,000	5,892
Trading account gains and fees	$0	504
Additional Noninterest Income	$178,000	6,066
Total noninterest expense	$3,364,000	4,075
Salaries and employee benefits	$1,361,000	4,623
Premises and equipment expense	$422,000	4,598
Additional noninterest expense	$1,581,000	3,432
Pre-tax net operating income	$1,232,000	4,819
Securities gains (losses)	$126,000	2,643
Applicable income taxes	$546,000	3,714
Income before extraordinary items	$812,000	5,302
Extraordinary gains, net	$0	1,422
Net income	$812,000	5,356
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$331,000	3,151
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$731,360	5,398

* 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.