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Lake Shore Savings Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$33,892,000	1,270
Total interest expense	$9,571,000	1,334
Net interest income	$24,321,000	1,231
Provision for loan and lease losses	$-1,044,000	4,509
Total noninterest income	$2,570,000	1,777
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$717,000	1,298
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,853,000	1,676
Total noninterest expense	$21,287,000	1,155
Salaries and employee benefits	$10,932,000	1,253
Premises and equipment expense	$2,892,000	901
Additional noninterest expense	$1,853,000	1,676
Pre-tax net operating income	$6,648,000	1,600
Securities gains (losses)	$-41,000	3,604
Applicable income taxes	$1,481,000	1,194
Income before extraordinary items	$5,126,000	1,693
Extraordinary gains, net	$0	54
Net income	$5,126,000	1,714
Minority interest net income	$0	88
Net income of bank and minority interests.	$5,126,000	1,696
Net charge-offs	$-12,000	3,885
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$5,158,390	1,717
2023-06-30 (YTD Data)		Rank
Total interest income	$16,494,000	1,249
Total interest expense	$4,017,000	1,298
Net interest income	$12,477,000	1,220
Provision for loan and lease losses	$-812,000	4,571
Total noninterest income	$1,047,000	1,901
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$369,000	1,251
Trading account gains and fees	NA	NA
Additional Noninterest Income	$678,000	1,899
Total noninterest expense	$11,033,000	1,102
Salaries and employee benefits	$5,442,000	1,252
Premises and equipment expense	$1,487,000	862
Additional noninterest expense	$678,000	1,896
Pre-tax net operating income	$3,303,000	1,652
Securities gains (losses)	$-43,000	4,044
Applicable income taxes	$560,000	1,416
Income before extraordinary items	$2,700,000	1,695
Extraordinary gains, net	$0	51
Net income	$2,700,000	1,715
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,700,000	1,695
Net charge-offs	$-3,000	3,600
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,735,690	1,688
2023-03-31 (YTD Data)		Rank
Total interest income	$7,996,000	1,256
Total interest expense	$1,709,000	1,313
Net interest income	$6,287,000	1,219
Provision for loan and lease losses	$-625,000	4,635
Total noninterest income	$549,000	1,848
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$180,000	1,288
Trading account gains and fees	NA	NA
Additional Noninterest Income	$369,000	1,824
Total noninterest expense	$5,406,000	1,141
Salaries and employee benefits	$2,665,000	1,291
Premises and equipment expense	$792,000	847
Additional noninterest expense	$369,000	1,824
Pre-tax net operating income	$2,055,000	1,442
Securities gains (losses)	$3,000	808
Applicable income taxes	$291,000	1,416
Income before extraordinary items	$1,767,000	1,407
Extraordinary gains, net	$0	4
Net income	$1,767,000	1,406
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,767,000	1,407
Net charge-offs	$14,000	1,246
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,764,420	1,422
2022-12-31 (YTD Data)		Rank
Total interest income	$26,932,000	1,248
Total interest expense	$2,549,000	1,337
Net interest income	$24,383,000	1,225
Provision for loan and lease losses	$725,000	998
Total noninterest income	$2,572,000	1,785
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$737,000	1,288
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,835,000	1,705
Total noninterest expense	$19,021,000	1,234
Salaries and employee benefits	$9,545,000	1,367
Premises and equipment expense	$3,034,000	850
Additional noninterest expense	$1,835,000	1,705
Pre-tax net operating income	$7,209,000	1,606
Securities gains (losses)	$4,000	540
Applicable income taxes	$1,261,000	1,387
Income before extraordinary items	$5,952,000	1,635
Extraordinary gains, net	$0	5
Net income	$5,952,000	1,633
Minority interest net income	$0	63
Net income of bank and minority interests.	$5,952,000	1,634
Net charge-offs	$-222,000	4,459
Cash dividends	$3,000,000	1,131
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$5,948,680	1,666
2022-06-30 (YTD Data)		Rank
Total interest income	$12,467,000	1,224
Total interest expense	$969,000	1,173
Net interest income	$11,498,000	1,223
Provision for loan and lease losses	$500,000	683
Total noninterest income	$1,337,000	1,757
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$360,000	1,302
Trading account gains and fees	NA	NA
Additional Noninterest Income	$977,000	1,701
Total noninterest expense	$8,918,000	1,283
Salaries and employee benefits	$4,735,000	1,360
Premises and equipment expense	$1,524,000	836
Additional noninterest expense	$2,659,000	1,272
Pre-tax net operating income	$3,417,000	1,580
Securities gains (losses)	$1,000	612
Applicable income taxes	$584,000	1,369
Income before extraordinary items	$2,834,000	1,569
Extraordinary gains, net	$0	4
Net income	$2,834,000	1,567
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,834,000	1,569
Net charge-offs	$-129,000	4,456
Cash dividends	$3,000,000	613
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$2,833,170	1,601
2022-03-31 (YTD Data)		Rank
Total interest income	$5,956,000	1,233
Total interest expense	$490,000	1,119
Net interest income	$5,466,000	1,239
Provision for loan and lease losses	$400,000	402
Total noninterest income	$700,000	1,720
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$174,000	1,317
Trading account gains and fees	NA	NA
Additional Noninterest Income	$526,000	1,620
Total noninterest expense	$4,440,000	1,281
Salaries and employee benefits	$2,340,000	1,383
Premises and equipment expense	$751,000	856
Additional noninterest expense	$1,349,000	1,247
Pre-tax net operating income	$1,326,000	1,797
Securities gains (losses)	$5,000	455
Applicable income taxes	$227,000	1,507
Income before extraordinary items	$1,104,000	1,791
Extraordinary gains, net	$0	4
Net income	$1,104,000	1,791
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,104,000	1,791
Net charge-offs	$18,000	995
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,099,850	1,814
2021-12-31 (YTD Data)		Rank
Total interest income	$24,851,000	1,238
Total interest expense	$2,766,000	990
Net interest income	$22,085,000	1,252
Provision for loan and lease losses	$650,000	834
Total noninterest income	$2,961,000	1,810
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$645,000	1,339
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,316,000	1,773
Total noninterest expense	$16,658,000	1,336
Salaries and employee benefits	$8,727,000	1,454
Premises and equipment expense	$2,816,000	912
Additional noninterest expense	$5,115,000	1,301
Pre-tax net operating income	$7,738,000	1,527
Securities gains (losses)	$26,000	1,401
Applicable income taxes	$1,371,000	1,385
Income before extraordinary items	$6,393,000	1,596
Extraordinary gains, net	$0	10
Net income	$6,393,000	1,596
Minority interest net income	$0	74
Net income of bank and minority interests.	$6,393,000	1,596
Net charge-offs	$389,000	734
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$6,371,680	1,578
2021-09-30 (YTD Data)		Rank
Total interest income	$18,812,000	1,252
Total interest expense	$2,229,000	964
Net interest income	$16,583,000	1,277
Provision for loan and lease losses	$650,000	656
Total noninterest income	$2,053,000	1,958
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$481,000	1,333
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,572,000	1,909
Total noninterest expense	$12,515,000	1,345
Salaries and employee benefits	$6,509,000	1,453
Premises and equipment expense	$2,032,000	950
Additional noninterest expense	$3,974,000	1,264
Pre-tax net operating income	$5,471,000	1,656
Securities gains (losses)	$17,000	1,472
Applicable income taxes	$949,000	1,502
Income before extraordinary items	$4,539,000	1,719
Extraordinary gains, net	$0	8
Net income	$4,539,000	1,717
Minority interest net income	$0	69
Net income of bank and minority interests.	$4,539,000	1,719
Net charge-offs	$382,000	578
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$4,524,890	1,698
2021-06-30 (YTD Data)		Rank
Total interest income	$12,318,000	1,270
Total interest expense	$1,575,000	945
Net interest income	$10,743,000	1,288
Provision for loan and lease losses	$650,000	466
Total noninterest income	$1,386,000	1,880
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$301,000	1,354
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,085,000	1,832
Total noninterest expense	$8,132,000	1,365
Salaries and employee benefits	$4,209,000	1,499
Premises and equipment expense	$1,329,000	962
Additional noninterest expense	$2,594,000	1,275
Pre-tax net operating income	$3,347,000	1,719
Securities gains (losses)	$12,000	1,351
Applicable income taxes	$568,000	1,568
Income before extraordinary items	$2,791,000	1,793
Extraordinary gains, net	$0	6
Net income	$2,791,000	1,793
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,791,000	1,793
Net charge-offs	$16,000	1,585
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$2,781,040	1,766
2021-03-31 (YTD Data)		Rank
Total interest income	$6,086,000	1,279
Total interest expense	$812,000	974
Net interest income	$5,274,000	1,294
Provision for loan and lease losses	$150,000	937
Total noninterest income	$764,000	1,783
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$149,000	1,358
Trading account gains and fees	NA	NA
Additional Noninterest Income	$615,000	1,704
Total noninterest expense	$3,844,000	1,414
Salaries and employee benefits	$2,032,000	1,533
Premises and equipment expense	$676,000	958
Additional noninterest expense	$1,136,000	1,389
Pre-tax net operating income	$2,044,000	1,498
Securities gains (losses)	$15,000	950
Applicable income taxes	$319,000	1,469
Income before extraordinary items	$1,740,000	1,546
Extraordinary gains, net	$0	3
Net income	$1,740,000	1,546
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,740,000	1,546
Net charge-offs	$3,000	1,645
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,727,250	1,513
2020-12-31 (YTD Data)		Rank
Total interest income	$24,412,000	1,254
Total interest expense	$4,514,000	1,042
Net interest income	$19,898,000	1,291
Provision for loan and lease losses	$1,625,000	1,191
Total noninterest income	$2,992,000	1,731
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$627,000	1,362
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,365,000	1,641
Total noninterest expense	$15,641,000	1,360
Salaries and employee benefits	$8,349,000	1,458
Premises and equipment expense	$2,555,000	968
Additional noninterest expense	$4,737,000	1,344
Pre-tax net operating income	$5,624,000	1,634
Securities gains (losses)	$58,000	1,653
Applicable income taxes	$908,000	1,504
Income before extraordinary items	$4,774,000	1,687
Extraordinary gains, net	$0	4
Net income	$4,774,000	1,687
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,774,000	1,687
Net charge-offs	$35,000	2,580
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$4,725,280	1,663
2020-09-30 (YTD Data)		Rank
Total interest income	$18,412,000	1,248
Total interest expense	$3,598,000	1,049
Net interest income	$14,814,000	1,282
Provision for loan and lease losses	$1,125,000	1,264
Total noninterest income	$1,905,000	1,843
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$461,000	1,371
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,444,000	1,777
Total noninterest expense	$11,489,000	1,371
Salaries and employee benefits	$6,090,000	1,475
Premises and equipment expense	$1,912,000	964
Additional noninterest expense	$3,487,000	1,345
Pre-tax net operating income	$4,105,000	1,642
Securities gains (losses)	$24,000	1,848
Applicable income taxes	$646,000	1,528
Income before extraordinary items	$3,483,000	1,713
Extraordinary gains, net	$0	4
Net income	$3,483,000	1,713
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,483,000	1,713
Net charge-offs	$45,000	2,110
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$3,462,840	1,666
2020-06-30 (YTD Data)		Rank
Total interest income	$12,473,000	1,251
Total interest expense	$2,558,000	1,064
Net interest income	$9,915,000	1,281
Provision for loan and lease losses	$825,000	1,207
Total noninterest income	$1,189,000	1,851
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$322,000	1,325
Trading account gains and fees	NA	NA
Additional Noninterest Income	$867,000	1,814
Total noninterest expense	$7,696,000	1,360
Salaries and employee benefits	$3,995,000	1,486
Premises and equipment expense	$1,268,000	967
Additional noninterest expense	$2,433,000	1,278
Pre-tax net operating income	$2,583,000	1,651
Securities gains (losses)	$10,000	1,872
Applicable income taxes	$399,000	1,534
Income before extraordinary items	$2,194,000	1,708
Extraordinary gains, net	$0	4
Net income	$2,194,000	1,709
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,194,000	1,709
Net charge-offs	$28,000	2,029
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,185,500	1,666
2020-03-31 (YTD Data)		Rank
Total interest income	$6,312,000	1,240
Total interest expense	$1,425,000	1,055
Net interest income	$4,887,000	1,283
Provision for loan and lease losses	$500,000	883
Total noninterest income	$594,000	1,765
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$220,000	1,214
Trading account gains and fees	NA	NA
Additional Noninterest Income	$374,000	1,804
Total noninterest expense	$4,048,000	1,312
Salaries and employee benefits	$2,145,000	1,415
Premises and equipment expense	$635,000	984
Additional noninterest expense	$1,268,000	1,255
Pre-tax net operating income	$933,000	1,935
Securities gains (losses)	$-20,000	4,879
Applicable income taxes	$140,000	1,680
Income before extraordinary items	$773,000	2,028
Extraordinary gains, net	$0	4
Net income	$773,000	2,027
Minority interest net income	$0	56
Net income of bank and minority interests.	$773,000	2,028
Net charge-offs	$7,000	1,991
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$790,000	1,963
2019-12-31 (YTD Data)		Rank
Total interest income	$24,365,000	1,277
Total interest expense	$5,343,000	1,182
Net interest income	$19,022,000	1,308
Provision for loan and lease losses	$900,000	972
Total noninterest income	$2,328,000	1,822
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$865,000	1,253
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,463,000	1,813
Total noninterest expense	$15,612,000	1,312
Salaries and employee benefits	$8,490,000	1,387
Premises and equipment expense	$2,460,000	996
Additional noninterest expense	$4,662,000	1,329
Pre-tax net operating income	$4,838,000	1,806
Securities gains (losses)	$96,000	951
Applicable income taxes	$716,000	1,692
Income before extraordinary items	$4,218,000	1,808
Extraordinary gains, net	$0	11
Net income	$4,218,000	1,810
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,218,000	1,810
Net charge-offs	$81,000	2,344
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$4,136,400	1,806
2019-09-30 (YTD Data)		Rank
Total interest income	$18,005,000	1,308
Total interest expense	$3,872,000	1,212
Net interest income	$14,133,000	1,324
Provision for loan and lease losses	$725,000	879
Total noninterest income	$1,697,000	1,852
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$637,000	1,274
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,060,000	1,852
Total noninterest expense	$11,627,000	1,318
Salaries and employee benefits	$6,305,000	1,409
Premises and equipment expense	$1,842,000	991
Additional noninterest expense	$3,480,000	1,328
Pre-tax net operating income	$3,478,000	1,915
Securities gains (losses)	$95,000	806
Applicable income taxes	$524,000	1,751
Income before extraordinary items	$3,049,000	1,921
Extraordinary gains, net	$0	11
Net income	$3,049,000	1,921
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,049,000	1,922
Net charge-offs	$32,000	2,481
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,968,250	1,920
2019-06-30 (YTD Data)		Rank
Total interest income	$11,662,000	1,336
Total interest expense	$2,466,000	1,236
Net interest income	$9,196,000	1,351
Provision for loan and lease losses	$425,000	960
Total noninterest income	$1,088,000	1,872
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$416,000	1,282
Trading account gains and fees	NA	NA
Additional Noninterest Income	$672,000	1,893
Total noninterest expense	$7,804,000	1,323
Salaries and employee benefits	$4,280,000	1,376
Premises and equipment expense	$1,215,000	1,009
Additional noninterest expense	$2,309,000	1,357
Pre-tax net operating income	$2,055,000	2,058
Securities gains (losses)	$61,000	684
Applicable income taxes	$317,000	1,803
Income before extraordinary items	$1,799,000	2,073
Extraordinary gains, net	$0	11
Net income	$1,799,000	2,071
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,799,000	2,073
Net charge-offs	$10,000	2,587
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,747,150	2,090
2019-03-31 (YTD Data)		Rank
Total interest income	$5,690,000	1,361
Total interest expense	$1,163,000	1,271
Net interest income	$4,527,000	1,367
Provision for loan and lease losses	$75,000	1,682
Total noninterest income	$540,000	1,852
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$203,000	1,307
Trading account gains and fees	NA	NA
Additional Noninterest Income	$337,000	1,846
Total noninterest expense	$3,940,000	1,312
Salaries and employee benefits	$2,203,000	1,347
Premises and equipment expense	$620,000	999
Additional noninterest expense	$1,117,000	1,386
Pre-tax net operating income	$1,052,000	1,995
Securities gains (losses)	$49,000	394
Applicable income taxes	$166,000	1,746
Income before extraordinary items	$935,000	1,976
Extraordinary gains, net	$0	5
Net income	$935,000	1,974
Minority interest net income	$0	52
Net income of bank and minority interests.	$935,000	1,975
Net charge-offs	$8,000	2,054
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$893,350	2,019
2018-12-31 (YTD Data)		Rank
Total interest income	$21,646,000	1,344
Total interest expense	$3,751,000	1,198
Net interest income	$17,895,000	1,362
Provision for loan and lease losses	$390,000	1,692
Total noninterest income	$2,225,000	1,873
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$925,000	1,233
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,300,000	1,949
Total noninterest expense	$15,033,000	1,349
Salaries and employee benefits	$8,127,000	1,404
Premises and equipment expense	$2,333,000	1,037
Additional noninterest expense	$4,573,000	1,344
Pre-tax net operating income	$4,697,000	1,867
Securities gains (losses)	$147,000	252
Applicable income taxes	$657,000	1,746
Income before extraordinary items	$4,187,000	1,841
Extraordinary gains, net	$0	6
Net income	$4,187,000	1,840
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,187,000	1,840
Net charge-offs	$225,000	1,547
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,060,580	1,884
2018-09-30 (YTD Data)		Rank
Total interest income	$15,942,000	1,352
Total interest expense	$2,701,000	1,182
Net interest income	$13,241,000	1,377
Provision for loan and lease losses	$315,000	1,521
Total noninterest income	$1,636,000	1,917
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$689,000	1,249
Trading account gains and fees	NA	NA
Additional Noninterest Income	$947,000	2,001
Total noninterest expense	$11,047,000	1,372
Salaries and employee benefits	$5,994,000	1,420
Premises and equipment expense	$1,722,000	1,046
Additional noninterest expense	$3,331,000	1,377
Pre-tax net operating income	$3,515,000	1,883
Securities gains (losses)	$133,000	255
Applicable income taxes	$512,000	1,761
Income before extraordinary items	$3,136,000	1,845
Extraordinary gains, net	$0	5
Net income	$3,136,000	1,843
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,136,000	1,844
Net charge-offs	$210,000	1,213
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,021,620	1,888
2018-06-30 (YTD Data)		Rank
Total interest income	$10,430,000	1,358
Total interest expense	$1,706,000	1,164
Net interest income	$8,724,000	1,381
Provision for loan and lease losses	$190,000	1,568
Total noninterest income	$1,065,000	1,940
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$460,000	1,245
Trading account gains and fees	NA	NA
Additional Noninterest Income	$605,000	2,052
Total noninterest expense	$7,307,000	1,393
Salaries and employee benefits	$3,983,000	1,431
Premises and equipment expense	$1,140,000	1,051
Additional noninterest expense	$2,184,000	1,403
Pre-tax net operating income	$2,292,000	1,891
Securities gains (losses)	$104,000	237
Applicable income taxes	$353,000	1,724
Income before extraordinary items	$2,043,000	1,856
Extraordinary gains, net	$0	6
Net income	$2,043,000	1,854
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,043,000	1,855
Net charge-offs	$-1,000	3,891
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,954,600	1,909
2018-03-31 (YTD Data)		Rank
Total interest income	$5,139,000	1,361
Total interest expense	$810,000	1,162
Net interest income	$4,329,000	1,395
Provision for loan and lease losses	$75,000	1,680
Total noninterest income	$532,000	1,908
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$229,000	1,249
Trading account gains and fees	NA	NA
Additional Noninterest Income	$303,000	2,008
Total noninterest expense	$3,670,000	1,389
Salaries and employee benefits	$2,010,000	1,425
Premises and equipment expense	$583,000	1,045
Additional noninterest expense	$1,077,000	1,408
Pre-tax net operating income	$1,116,000	1,888
Securities gains (losses)	$29,000	286
Applicable income taxes	$169,000	1,729
Income before extraordinary items	$976,000	1,876
Extraordinary gains, net	$0	7
Net income	$976,000	1,875
Minority interest net income	$0	52
Net income of bank and minority interests.	$976,000	1,876
Net charge-offs	$-9,000	4,705
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$951,350	1,897
2017-12-31 (YTD Data)		Rank
Total interest income	$19,497,000	1,374
Total interest expense	$2,768,000	1,170
Net interest income	$16,729,000	1,399
Provision for loan and lease losses	$510,000	1,429
Total noninterest income	$2,144,000	1,945
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$951,000	1,229
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,193,000	2,074
Total noninterest expense	$13,956,000	1,437
Salaries and employee benefits	$7,373,000	1,506
Premises and equipment expense	$2,274,000	1,044
Additional noninterest expense	$4,309,000	1,424
Pre-tax net operating income	$4,407,000	1,898
Securities gains (losses)	$379,000	268
Applicable income taxes	$1,288,000	1,667
Income before extraordinary items	$3,498,000	1,809
Extraordinary gains, net	$0	9
Net income	$3,498,000	1,809
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,498,000	1,810
Net charge-offs	$109,000	2,345
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$3,221,330	1,900
2017-09-30 (YTD Data)		Rank
Total interest income	$14,547,000	1,376
Total interest expense	$1,994,000	1,196
Net interest income	$12,553,000	1,406
Provision for loan and lease losses	$450,000	1,230
Total noninterest income	$1,630,000	1,953
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$720,000	1,224
Trading account gains and fees	NA	NA
Additional Noninterest Income	$910,000	2,095
Total noninterest expense	$10,380,000	1,448
Salaries and employee benefits	$5,417,000	1,546
Premises and equipment expense	$1,732,000	1,035
Additional noninterest expense	$3,231,000	1,410
Pre-tax net operating income	$3,353,000	1,892
Securities gains (losses)	$340,000	271
Applicable income taxes	$787,000	1,684
Income before extraordinary items	$2,906,000	1,775
Extraordinary gains, net	$0	9
Net income	$2,906,000	1,775
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,906,000	1,775
Net charge-offs	$115,000	1,808
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,637,400	1,914
2017-06-30 (YTD Data)		Rank
Total interest income	$9,582,000	1,386
Total interest expense	$1,276,000	1,199
Net interest income	$8,306,000	1,410
Provision for loan and lease losses	$375,000	1,030
Total noninterest income	$1,080,000	1,950
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$489,000	1,209
Trading account gains and fees	NA	NA
Additional Noninterest Income	$591,000	2,128
Total noninterest expense	$6,861,000	1,468
Salaries and employee benefits	$3,590,000	1,555
Premises and equipment expense	$1,173,000	1,022
Additional noninterest expense	$2,098,000	1,447
Pre-tax net operating income	$2,150,000	1,922
Securities gains (losses)	$293,000	218
Applicable income taxes	$508,000	1,679
Income before extraordinary items	$1,935,000	1,750
Extraordinary gains, net	$0	11
Net income	$1,935,000	1,750
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,935,000	1,750
Net charge-offs	$34,000	2,273
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,703,530	1,921
2017-03-31 (YTD Data)		Rank
Total interest income	$4,781,000	1,388
Total interest expense	$625,000	1,189
Net interest income	$4,156,000	1,406
Provision for loan and lease losses	$350,000	594
Total noninterest income	$536,000	1,954
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$247,000	1,205
Trading account gains and fees	NA	NA
Additional Noninterest Income	$289,000	2,141
Total noninterest expense	$3,474,000	1,446
Salaries and employee benefits	$1,829,000	1,545
Premises and equipment expense	$609,000	997
Additional noninterest expense	$1,036,000	1,449
Pre-tax net operating income	$868,000	2,157
Securities gains (losses)	$64,000	295
Applicable income taxes	$182,000	1,954
Income before extraordinary items	$750,000	2,091
Extraordinary gains, net	$0	8
Net income	$750,000	2,092
Minority interest net income	$0	55
Net income of bank and minority interests.	$750,000	2,092
Net charge-offs	$34,000	1,581
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$698,800	2,171
2016-12-31 (YTD Data)		Rank
Total interest income	$17,579,000	1,448
Total interest expense	$2,425,000	1,184
Net interest income	$15,154,000	1,481
Provision for loan and lease losses	$1,125,000	828
Total noninterest income	$2,224,000	1,988
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$1,026,000	1,186
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,198,000	2,187
Total noninterest expense	$13,499,000	1,457
Salaries and employee benefits	$6,997,000	1,545
Premises and equipment expense	$2,291,000	1,032
Additional noninterest expense	$4,211,000	1,460
Pre-tax net operating income	$2,754,000	2,524
Securities gains (losses)	$1,778,000	137
Applicable income taxes	$878,000	1,771
Income before extraordinary items	$3,654,000	1,781
Extraordinary gains, net	$0	5
Net income	$3,654,000	1,780
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,654,000	1,780
Net charge-offs	$228,000	1,804
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,213,820	2,558
2016-09-30 (YTD Data)		Rank
Total interest income	$13,155,000	1,453
Total interest expense	$1,822,000	1,184
Net interest income	$11,333,000	1,486
Provision for loan and lease losses	$310,000	1,588
Total noninterest income	$1,673,000	1,980
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$754,000	1,198
Trading account gains and fees	$0	169
Additional Noninterest Income	$919,000	2,148
Total noninterest expense	$10,037,000	1,470
Salaries and employee benefits	$5,203,000	1,555
Premises and equipment expense	$1,702,000	1,043
Additional noninterest expense	$3,132,000	1,475
Pre-tax net operating income	$2,659,000	2,152
Securities gains (losses)	$1,743,000	114
Applicable income taxes	$933,000	1,479
Income before extraordinary items	$3,469,000	1,499
Extraordinary gains, net	$0	5
Net income	$3,469,000	1,498
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,469,000	1,499
Net charge-offs	$175,000	1,566
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,092,030	2,205
2016-06-30 (YTD Data)		Rank
Total interest income	$8,743,000	1,454
Total interest expense	$1,224,000	1,169
Net interest income	$7,519,000	1,499
Provision for loan and lease losses	$185,000	1,699
Total noninterest income	$1,062,000	2,024
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$483,000	1,224
Trading account gains and fees	$0	157
Additional Noninterest Income	$579,000	2,192
Total noninterest expense	$6,704,000	1,471
Salaries and employee benefits	$3,471,000	1,558
Premises and equipment expense	$1,155,000	1,034
Additional noninterest expense	$2,078,000	1,488
Pre-tax net operating income	$1,692,000	2,198
Securities gains (losses)	$1,705,000	87
Applicable income taxes	$719,000	1,330
Income before extraordinary items	$2,678,000	1,329
Extraordinary gains, net	$0	16
Net income	$2,678,000	1,329
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,678,000	1,329
Net charge-offs	$110,000	1,536
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,331,050	2,261
2016-03-31 (YTD Data)		Rank
Total interest income	$4,379,000	1,451
Total interest expense	$620,000	1,149
Net interest income	$3,759,000	1,498
Provision for loan and lease losses	$130,000	1,308
Total noninterest income	$514,000	2,036
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$250,000	1,185
Trading account gains and fees	$0	142
Additional Noninterest Income	$264,000	2,261
Total noninterest expense	$3,305,000	1,480
Salaries and employee benefits	$1,734,000	1,575
Premises and equipment expense	$578,000	1,038
Additional noninterest expense	$993,000	1,534
Pre-tax net operating income	$838,000	2,195
Securities gains (losses)	$1,671,000	46
Applicable income taxes	$525,000	1,024
Income before extraordinary items	$1,984,000	899
Extraordinary gains, net	$0	12
Net income	$1,984,000	900
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,984,000	900
Net charge-offs	$63,000	1,295
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$663,910	2,239
2015-12-31 (YTD Data)		Rank
Total interest income	$17,655,000	1,406
Total interest expense	$2,890,000	981
Net interest income	$14,765,000	1,497
Provision for loan and lease losses	$400,000	1,583
Total noninterest income	$2,137,000	2,027
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$883,000	1,366
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,254,000	2,085
Total noninterest expense	$12,842,000	1,509
Salaries and employee benefits	$6,636,000	1,584
Premises and equipment expense	$2,262,000	1,046
Additional noninterest expense	$3,944,000	1,548
Pre-tax net operating income	$3,660,000	2,007
Securities gains (losses)	$600,000	305
Applicable income taxes	$808,000	1,795
Income before extraordinary items	$3,452,000	1,818
Extraordinary gains, net	$0	23
Net income	$3,452,000	1,821
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,452,000	1,821
Net charge-offs	$336,000	1,510
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,966,000	2,035
2015-09-30 (YTD Data)		Rank
Total interest income	$13,282,000	1,413
Total interest expense	$2,264,000	929
Net interest income	$11,018,000	1,520
Provision for loan and lease losses	$240,000	1,746
Total noninterest income	$1,595,000	2,055
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$626,000	1,439
Trading account gains and fees	$0	153
Additional Noninterest Income	$969,000	2,079
Total noninterest expense	$9,642,000	1,519
Salaries and employee benefits	$4,967,000	1,594
Premises and equipment expense	$1,693,000	1,069
Additional noninterest expense	$2,982,000	1,533
Pre-tax net operating income	$2,731,000	2,055
Securities gains (losses)	$564,000	274
Applicable income taxes	$681,000	1,722
Income before extraordinary items	$2,614,000	1,825
Extraordinary gains, net	$0	21
Net income	$2,614,000	1,827
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,614,000	1,828
Net charge-offs	$64,000	2,579
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,168,440	2,084
2015-06-30 (YTD Data)		Rank
Total interest income	$8,848,000	1,426
Total interest expense	$1,568,000	909
Net interest income	$7,280,000	1,528
Provision for loan and lease losses	$210,000	1,436
Total noninterest income	$1,064,000	2,057
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$406,000	1,452
Trading account gains and fees	$0	157
Additional Noninterest Income	$658,000	2,045
Total noninterest expense	$6,469,000	1,518
Salaries and employee benefits	$3,377,000	1,577
Premises and equipment expense	$1,132,000	1,074
Additional noninterest expense	$1,960,000	1,566
Pre-tax net operating income	$1,665,000	2,177
Securities gains (losses)	$75,000	985
Applicable income taxes	$384,000	1,882
Income before extraordinary items	$1,356,000	2,221
Extraordinary gains, net	$0	22
Net income	$1,356,000	2,222
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,356,000	2,223
Net charge-offs	$6,000	3,419
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,297,500	2,248
2015-03-31 (YTD Data)		Rank
Total interest income	$4,416,000	1,423
Total interest expense	$818,000	870
Net interest income	$3,598,000	1,533
Provision for loan and lease losses	$25,000	2,683
Total noninterest income	$579,000	1,923
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$205,000	1,418
Trading account gains and fees	$0	152
Additional Noninterest Income	$374,000	1,851
Total noninterest expense	$3,308,000	1,475
Salaries and employee benefits	$1,749,000	1,536
Premises and equipment expense	$570,000	1,065
Additional noninterest expense	$989,000	1,542
Pre-tax net operating income	$844,000	2,125
Securities gains (losses)	$32,000	1,035
Applicable income taxes	$268,000	1,558
Income before extraordinary items	$608,000	2,369
Extraordinary gains, net	$0	13
Net income	$608,000	2,372
Minority interest net income	$0	64
Net income of bank and minority interests.	$608,000	2,371
Net charge-offs	$6,000	2,677
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$585,920	2,369
2014-12-31 (YTD Data)		Rank
Total interest income	$17,941,000	1,408
Total interest expense	$3,481,000	859
Net interest income	$14,460,000	1,534
Provision for loan and lease losses	$222,000	2,367
Total noninterest income	$1,931,000	2,158
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$894,000	1,436
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,037,000	2,284
Total noninterest expense	$12,480,000	1,526
Salaries and employee benefits	$6,377,000	1,627
Premises and equipment expense	$2,159,000	1,103
Additional noninterest expense	$3,944,000	1,583
Pre-tax net operating income	$3,689,000	1,954
Securities gains (losses)	$234,000	738
Applicable income taxes	$668,000	1,949
Income before extraordinary items	$3,255,000	1,883
Extraordinary gains, net	$0	17
Net income	$3,255,000	1,883
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,255,000	1,882
Net charge-offs	$114,000	3,051
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,060,780	1,943
2014-09-30 (YTD Data)		Rank
Total interest income	$13,504,000	1,413
Total interest expense	$2,606,000	871
Net interest income	$10,898,000	1,529
Provision for loan and lease losses	$70,000	3,164
Total noninterest income	$1,411,000	2,195
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$669,000	1,448
Trading account gains and fees	$0	174
Additional Noninterest Income	$742,000	2,361
Total noninterest expense	$9,367,000	1,536
Salaries and employee benefits	$4,760,000	1,632
Premises and equipment expense	$1,632,000	1,107
Additional noninterest expense	$2,975,000	1,571
Pre-tax net operating income	$2,872,000	1,926
Securities gains (losses)	$195,000	649
Applicable income taxes	$585,000	1,821
Income before extraordinary items	$2,482,000	1,861
Extraordinary gains, net	$0	15
Net income	$2,482,000	1,861
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,482,000	1,860
Net charge-offs	$80,000	2,898
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,324,050	1,914
2014-06-30 (YTD Data)		Rank
Total interest income	$9,098,000	1,392
Total interest expense	$1,719,000	884
Net interest income	$7,379,000	1,491
Provision for loan and lease losses	$0	4,196
Total noninterest income	$921,000	2,193
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$448,000	1,425
Trading account gains and fees	$0	172
Additional Noninterest Income	$473,000	2,382
Total noninterest expense	$6,250,000	1,535
Salaries and employee benefits	$3,147,000	1,638
Premises and equipment expense	$1,104,000	1,097
Additional noninterest expense	$1,999,000	1,561
Pre-tax net operating income	$2,050,000	1,785
Securities gains (losses)	$160,000	560
Applicable income taxes	$445,000	1,660
Income before extraordinary items	$1,765,000	1,705
Extraordinary gains, net	$0	20
Net income	$1,765,000	1,709
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,765,000	1,707
Net charge-offs	$40,000	2,969
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,637,000	1,789
2014-03-31 (YTD Data)		Rank
Total interest income	$4,559,000	1,385
Total interest expense	$854,000	899
Net interest income	$3,705,000	1,475
Provision for loan and lease losses	$0	3,817
Total noninterest income	$462,000	2,147
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$217,000	1,441
Trading account gains and fees	$0	147
Additional Noninterest Income	$245,000	2,283
Total noninterest expense	$3,131,000	1,533
Salaries and employee benefits	$1,611,000	1,618
Premises and equipment expense	$551,000	1,128
Additional noninterest expense	$969,000	1,590
Pre-tax net operating income	$1,036,000	1,721
Securities gains (losses)	$-15,000	6,472
Applicable income taxes	$209,000	1,680
Income before extraordinary items	$812,000	1,791
Extraordinary gains, net	$0	16
Net income	$812,000	1,795
Minority interest net income	$0	66
Net income of bank and minority interests.	$812,000	1,794
Net charge-offs	$33,000	2,158
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$824,000	1,742
2013-12-31 (YTD Data)		Rank
Total interest income	$18,688,000	1,360
Total interest expense	$3,698,000	920
Net interest income	$14,990,000	1,452
Provision for loan and lease losses	$105,000	3,638
Total noninterest income	$1,945,000	2,207
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$931,000	1,449
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,014,000	2,362
Total noninterest expense	$11,937,000	1,616
Salaries and employee benefits	$5,926,000	1,734
Premises and equipment expense	$2,000,000	1,187
Additional noninterest expense	$4,011,000	1,617
Pre-tax net operating income	$4,893,000	1,452
Securities gains (losses)	$30,000	2,133
Applicable income taxes	$1,075,000	1,406
Income before extraordinary items	$3,848,000	1,556
Extraordinary gains, net	$0	29
Net income	$3,848,000	1,559
Minority interest net income	$0	90
Net income of bank and minority interests.	$3,848,000	1,560
Net charge-offs	$98,000	3,754
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$3,824,600	1,524
2013-09-30 (YTD Data)		Rank
Total interest income	$13,958,000	1,373
Total interest expense	$2,799,000	951
Net interest income	$11,159,000	1,463
Provision for loan and lease losses	$105,000	3,304
Total noninterest income	$1,470,000	2,241
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$688,000	1,479
Trading account gains and fees	$0	180
Additional Noninterest Income	$782,000	2,368
Total noninterest expense	$8,987,000	1,609
Salaries and employee benefits	$4,484,000	1,715
Premises and equipment expense	$1,483,000	1,209
Additional noninterest expense	$3,020,000	1,607
Pre-tax net operating income	$3,537,000	1,527
Securities gains (losses)	$26,000	2,077
Applicable income taxes	$735,000	1,533
Income before extraordinary items	$2,828,000	1,589
Extraordinary gains, net	$0	25
Net income	$2,828,000	1,592
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,828,000	1,593
Net charge-offs	$92,000	3,335
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,807,460	1,556
2013-06-30 (YTD Data)		Rank
Total interest income	$9,321,000	1,363
Total interest expense	$1,877,000	967
Net interest income	$7,444,000	1,441
Provision for loan and lease losses	$45,000	3,696
Total noninterest income	$958,000	2,275
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$454,000	1,472
Trading account gains and fees	$0	157
Additional Noninterest Income	$504,000	2,463
Total noninterest expense	$6,075,000	1,584
Salaries and employee benefits	$3,023,000	1,708
Premises and equipment expense	$966,000	1,239
Additional noninterest expense	$2,086,000	1,563
Pre-tax net operating income	$2,282,000	1,552
Securities gains (losses)	$0	2,791
Applicable income taxes	$474,000	1,565
Income before extraordinary items	$1,808,000	1,661
Extraordinary gains, net	$0	22
Net income	$1,808,000	1,664
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,808,000	1,665
Net charge-offs	$28,000	3,801
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,808,000	1,590
2013-03-31 (YTD Data)		Rank
Total interest income	$4,679,000	1,361
Total interest expense	$943,000	991
Net interest income	$3,736,000	1,439
Provision for loan and lease losses	$45,000	2,886
Total noninterest income	$490,000	2,260
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$225,000	1,457
Trading account gains and fees	$0	148
Additional Noninterest Income	$265,000	2,386
Total noninterest expense	$2,981,000	1,628
Salaries and employee benefits	$1,502,000	1,741
Premises and equipment expense	$481,000	1,273
Additional noninterest expense	$998,000	1,618
Pre-tax net operating income	$1,200,000	1,470
Securities gains (losses)	$0	1,966
Applicable income taxes	$254,000	1,497
Income before extraordinary items	$946,000	1,559
Extraordinary gains, net	$0	10
Net income	$946,000	1,562
Minority interest net income	$0	76
Net income of bank and minority interests.	$946,000	1,561
Net charge-offs	$17,000	3,178
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$946,000	1,502
2012-12-31 (YTD Data)		Rank
Total interest income	$19,688,000	1,355
Total interest expense	$4,751,000	943
Net interest income	$14,937,000	1,470
Provision for loan and lease losses	$656,000	2,337
Total noninterest income	$1,973,000	2,202
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$997,000	1,415
Trading account gains and fees	$0	166
Additional Noninterest Income	$976,000	2,401
Total noninterest expense	$11,310,000	1,704
Salaries and employee benefits	$5,766,000	1,754
Premises and equipment expense	$1,733,000	1,364
Additional noninterest expense	$3,811,000	1,738
Pre-tax net operating income	$4,944,000	1,385
Securities gains (losses)	$-38,000	6,832
Applicable income taxes	$1,121,000	1,357
Income before extraordinary items	$3,785,000	1,525
Extraordinary gains, net	$0	29
Net income	$3,785,000	1,527
Minority interest net income	$0	93
Net income of bank and minority interests.	$3,785,000	1,526
Net charge-offs	$216,000	3,683
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,814,260	1,420
2012-09-30 (YTD Data)		Rank
Total interest income	$14,930,000	1,367
Total interest expense	$3,710,000	952
Net interest income	$11,220,000	1,488
Provision for loan and lease losses	$270,000	3,108
Total noninterest income	$1,482,000	2,190
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$747,000	1,434
Trading account gains and fees	$0	157
Additional Noninterest Income	$735,000	2,394
Total noninterest expense	$8,614,000	1,688
Salaries and employee benefits	$4,413,000	1,702
Premises and equipment expense	$1,312,000	1,372
Additional noninterest expense	$2,889,000	1,728
Pre-tax net operating income	$3,818,000	1,385
Securities gains (losses)	$-57,000	6,972
Applicable income taxes	$875,000	1,360
Income before extraordinary items	$2,886,000	1,532
Extraordinary gains, net	$0	20
Net income	$2,886,000	1,533
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,886,000	1,533
Net charge-offs	$137,000	3,688
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,929,890	1,427
2012-06-30 (YTD Data)		Rank
Total interest income	$10,111,000	1,352
Total interest expense	$2,530,000	970
Net interest income	$7,581,000	1,465
Provision for loan and lease losses	$50,000	4,550
Total noninterest income	$949,000	2,237
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$501,000	1,412
Trading account gains and fees	$0	153
Additional Noninterest Income	$448,000	2,483
Total noninterest expense	$5,813,000	1,669
Salaries and employee benefits	$2,957,000	1,704
Premises and equipment expense	$879,000	1,357
Additional noninterest expense	$1,977,000	1,690
Pre-tax net operating income	$2,667,000	1,325
Securities gains (losses)	$-57,000	7,056
Applicable income taxes	$621,000	1,290
Income before extraordinary items	$1,989,000	1,489
Extraordinary gains, net	$0	19
Net income	$1,989,000	1,488
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,989,000	1,489
Net charge-offs	$91,000	3,506
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$2,032,320	1,374
2012-03-31 (YTD Data)		Rank
Total interest income	$5,094,000	1,354
Total interest expense	$1,298,000	975
Net interest income	$3,796,000	1,462
Provision for loan and lease losses	$-35,000	7,159
Total noninterest income	$476,000	2,221
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$247,000	1,418
Trading account gains and fees	$0	148
Additional Noninterest Income	$229,000	2,452
Total noninterest expense	$2,931,000	1,650
Salaries and employee benefits	$1,478,000	1,700
Premises and equipment expense	$437,000	1,360
Additional noninterest expense	$1,016,000	1,625
Pre-tax net operating income	$1,376,000	1,273
Securities gains (losses)	$0	2,210
Applicable income taxes	$335,000	1,208
Income before extraordinary items	$1,041,000	1,402
Extraordinary gains, net	$0	19
Net income	$1,041,000	1,403
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,041,000	1,403
Net charge-offs	$5,000	4,286
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$1,041,000	1,322
2011-12-31 (YTD Data)		Rank
Total interest income	$20,738,000	1,379
Total interest expense	$5,791,000	1,043
Net interest income	$14,947,000	1,488
Provision for loan and lease losses	$443,000	3,622
Total noninterest income	$1,946,000	2,044
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,447,000	1,022
Trading account gains and fees	$0	146
Additional Noninterest Income	$499,000	3,133
Total noninterest expense	$10,773,000	1,796
Salaries and employee benefits	$6,044,000	1,622
Premises and equipment expense	$2,391,000	1,034
Additional noninterest expense	$2,338,000	2,732
Pre-tax net operating income	$5,677,000	1,060
Securities gains (losses)	$88,000	2,165
Applicable income taxes	$1,493,000	1,004
Income before extraordinary items	$4,272,000	1,173
Extraordinary gains, net	$0	29
Net income	$4,272,000	1,173
Minority interest net income	$0	96
Net income of bank and minority interests.	$4,272,000	1,173
Net charge-offs	$10,000	6,100
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$4,206,880	1,127
2011-09-30 (YTD Data)		Rank
Total interest income	$15,543,000	1,396
Total interest expense	$4,415,000	1,068
Net interest income	$11,128,000	1,508
Provision for loan and lease losses	$315,000	3,538
Total noninterest income	$1,427,000	2,076
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,080,000	1,030
Trading account gains and fees	$0	145
Additional Noninterest Income	$347,000	3,242
Total noninterest expense	$8,157,000	1,778
Salaries and employee benefits	$4,498,000	1,638
Premises and equipment expense	$1,803,000	1,050
Additional noninterest expense	$1,856,000	2,623
Pre-tax net operating income	$4,083,000	1,130
Securities gains (losses)	$88,000	1,891
Applicable income taxes	$1,005,000	1,088
Income before extraordinary items	$3,166,000	1,228
Extraordinary gains, net	$0	21
Net income	$3,166,000	1,228
Minority interest net income	$0	87
Net income of bank and minority interests.	$3,166,000	1,228
Net charge-offs	$59,000	4,858
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$3,099,120	1,177
2011-06-30 (YTD Data)		Rank
Total interest income	$10,337,000	1,419
Total interest expense	$2,991,000	1,092
Net interest income	$7,346,000	1,521
Provision for loan and lease losses	$285,000	3,094
Total noninterest income	$943,000	2,079
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$715,000	1,020
Trading account gains and fees	$0	153
Additional Noninterest Income	$228,000	3,291
Total noninterest expense	$5,535,000	1,761
Salaries and employee benefits	$3,013,000	1,639
Premises and equipment expense	$1,200,000	1,062
Additional noninterest expense	$1,322,000	2,511
Pre-tax net operating income	$2,469,000	1,204
Securities gains (losses)	$88,000	1,227
Applicable income taxes	$566,000	1,210
Income before extraordinary items	$1,991,000	1,259
Extraordinary gains, net	$0	15
Net income	$1,991,000	1,259
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,991,000	1,259
Net charge-offs	$54,000	4,384
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,922,360	1,241
2011-03-31 (YTD Data)		Rank
Total interest income	$5,124,000	1,434
Total interest expense	$1,538,000	1,099
Net interest income	$3,586,000	1,549
Provision for loan and lease losses	$20,000	4,994
Total noninterest income	$480,000	2,055
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$356,000	1,011
Trading account gains and fees	$0	158
Additional Noninterest Income	$124,000	3,207
Total noninterest expense	$2,873,000	1,718
Salaries and employee benefits	$1,581,000	1,588
Premises and equipment expense	$613,000	1,060
Additional noninterest expense	$679,000	2,442
Pre-tax net operating income	$1,173,000	1,238
Securities gains (losses)	$57,000	715
Applicable income taxes	$265,000	1,233
Income before extraordinary items	$965,000	1,279
Extraordinary gains, net	$0	9
Net income	$965,000	1,278
Minority interest net income	$0	86
Net income of bank and minority interests.	$965,000	1,279
Net charge-offs	$36,000	3,608
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$920,540	1,292
2010-12-31 (YTD Data)		Rank
Total interest income	$19,863,000	1,550
Total interest expense	$6,479,000	1,276
Net interest income	$13,384,000	1,653
Provision for loan and lease losses	$2,115,000	1,998
Total noninterest income	$2,083,000	2,029
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$2,083,000	1,369
Total noninterest expense	$10,965,000	1,798
Salaries and employee benefits	$6,239,000	1,567
Premises and equipment expense	$2,251,000	1,158
Additional noninterest expense	$2,475,000	2,709
Pre-tax net operating income	$2,387,000	1,952
Securities gains (losses)	$1,199,000	418
Applicable income taxes	$461,000	1,964
Income before extraordinary items	$3,125,000	1,354
Extraordinary gains, net	$0	29
Net income	$3,125,000	1,356
Minority interest net income	$0	111
Net income of bank and minority interests.	$3,125,000	1,357
Net charge-offs	$2,015,000	1,852
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,081,870	1,882
2010-09-30 (YTD Data)		Rank
Total interest income	$14,841,000	1,588
Total interest expense	$4,861,000	1,327
Net interest income	$9,980,000	1,687
Provision for loan and lease losses	$1,975,000	1,671
Total noninterest income	$1,559,000	2,031
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,559,000	1,307
Total noninterest expense	$8,253,000	1,781
Salaries and employee benefits	$4,728,000	1,557
Premises and equipment expense	$1,678,000	1,172
Additional noninterest expense	$1,847,000	2,671
Pre-tax net operating income	$1,311,000	2,618
Securities gains (losses)	$1,057,000	391
Applicable income taxes	$155,000	2,771
Income before extraordinary items	$2,213,000	1,506
Extraordinary gains, net	$0	23
Net income	$2,213,000	1,509
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,213,000	1,509
Net charge-offs	$2,004,000	1,508
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,229,990	2,373
2010-06-30 (YTD Data)		Rank
Total interest income	$9,910,000	1,605
Total interest expense	$3,216,000	1,392
Net interest income	$6,694,000	1,682
Provision for loan and lease losses	$250,000	3,882
Total noninterest income	$1,019,000	2,021
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,019,000	1,275
Total noninterest expense	$5,549,000	1,784
Salaries and employee benefits	$3,175,000	1,559
Premises and equipment expense	$1,106,000	1,198
Additional noninterest expense	$1,268,000	2,593
Pre-tax net operating income	$1,914,000	1,356
Securities gains (losses)	$0	3,184
Applicable income taxes	$503,000	1,211
Income before extraordinary items	$1,411,000	1,550
Extraordinary gains, net	$0	19
Net income	$1,411,000	1,551
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,411,000	1,551
Net charge-offs	$275,000	3,155
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,411,000	1,478
2010-03-31 (YTD Data)		Rank
Total interest income	$4,924,000	1,635
Total interest expense	$1,584,000	1,491
Net interest income	$3,340,000	1,701
Provision for loan and lease losses	$50,000	4,831
Total noninterest income	$494,000	2,050
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$494,000	1,312
Total noninterest expense	$2,782,000	1,788
Salaries and employee benefits	$1,613,000	1,547
Premises and equipment expense	$539,000	1,266
Additional noninterest expense	$630,000	2,596
Pre-tax net operating income	$1,002,000	1,302
Securities gains (losses)	$0	2,284
Applicable income taxes	$273,000	1,128
Income before extraordinary items	$729,000	1,497
Extraordinary gains, net	$0	16
Net income	$729,000	1,499
Minority interest net income	$0	91
Net income of bank and minority interests.	$729,000	1,499
Net charge-offs	$-16,000	7,594
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$729,000	1,444
2009-12-31 (YTD Data)		Rank
Total interest income	$19,608,000	1,744
Total interest expense	$8,099,000	1,472
Net interest income	$11,509,000	1,925
Provision for loan and lease losses	$265,000	5,454
Total noninterest income	$2,174,000	2,001
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	211
Additional Noninterest Income	$2,174,000	1,293
Total noninterest expense	$10,297,000	1,966
Salaries and employee benefits	$5,617,000	1,758
Premises and equipment expense	$2,003,000	1,356
Additional noninterest expense	$2,677,000	2,591
Pre-tax net operating income	$3,121,000	1,279
Securities gains (losses)	$0	3,754
Applicable income taxes	$830,000	1,105
Income before extraordinary items	$2,291,000	1,452
Extraordinary gains, net	$0	34
Net income	$2,291,000	1,450
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,291,000	1,451
Net charge-offs	$177,000	5,138
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,291,000	1,427
2009-09-30 (YTD Data)		Rank
Total interest income	$14,655,000	1,776
Total interest expense	$6,280,000	1,497
Net interest income	$8,375,000	1,973
Provision for loan and lease losses	$255,000	4,829
Total noninterest income	$1,647,000	2,030
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,647,000	1,309
Total noninterest expense	$7,899,000	1,910
Salaries and employee benefits	$4,257,000	1,764
Premises and equipment expense	$1,503,000	1,362
Additional noninterest expense	$2,139,000	2,418
Pre-tax net operating income	$1,868,000	1,732
Securities gains (losses)	$0	3,497
Applicable income taxes	$439,000	1,537
Income before extraordinary items	$1,429,000	1,863
Extraordinary gains, net	$0	27
Net income	$1,429,000	1,862
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,429,000	1,863
Net charge-offs	$130,000	4,798
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,429,000	1,815
2009-06-30 (YTD Data)		Rank
Total interest income	$9,731,000	1,811
Total interest expense	$4,238,000	1,550
Net interest income	$5,493,000	1,993
Provision for loan and lease losses	$160,000	4,648
Total noninterest income	$1,082,000	2,056
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,082,000	1,357
Total noninterest expense	$5,365,000	1,911
Salaries and employee benefits	$2,805,000	1,815
Premises and equipment expense	$1,014,000	1,372
Additional noninterest expense	$1,546,000	2,267
Pre-tax net operating income	$1,050,000	2,032
Securities gains (losses)	$0	3,136
Applicable income taxes	$242,000	1,762
Income before extraordinary items	$808,000	2,215
Extraordinary gains, net	$0	21
Net income	$808,000	2,213
Minority interest net income	$0	112
Net income of bank and minority interests.	$808,000	2,214
Net charge-offs	$80,000	4,475
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$808,000	2,156
2009-03-31 (YTD Data)		Rank
Total interest income	$4,847,000	1,840
Total interest expense	$2,123,000	1,598
Net interest income	$2,724,000	2,006
Provision for loan and lease losses	$120,000	3,591
Total noninterest income	$501,000	2,137
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	171
Additional Noninterest Income	$501,000	1,388
Total noninterest expense	$2,545,000	1,953
Salaries and employee benefits	$1,419,000	1,831
Premises and equipment expense	$525,000	1,355
Additional noninterest expense	$601,000	2,558
Pre-tax net operating income	$560,000	2,179
Securities gains (losses)	$0	2,434
Applicable income taxes	$146,000	1,770
Income before extraordinary items	$414,000	2,503
Extraordinary gains, net	$0	15
Net income	$414,000	2,503
Minority interest net income	$0	102
Net income of bank and minority interests.	$414,000	2,505
Net charge-offs	$76,000	3,153
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$414,000	2,356
2008-12-31 (YTD Data)		Rank
Total interest income	$19,854,000	1,927
Total interest expense	$8,984,000	1,785
Net interest income	$10,870,000	2,042
Provision for loan and lease losses	$391,000	4,172
Total noninterest income	$2,418,000	1,853
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	154
Additional Noninterest Income	$2,418,000	1,136
Total noninterest expense	$9,212,000	2,091
Salaries and employee benefits	$5,033,000	2,013
Premises and equipment expense	$1,967,000	1,405
Additional noninterest expense	$2,212,000	2,606
Pre-tax net operating income	$3,685,000	1,479
Securities gains (losses)	$-1,934,000	7,888
Applicable income taxes	$336,000	2,271
Income before extraordinary items	$1,415,000	2,615
Extraordinary gains, net	$0	39
Net income	$1,415,000	2,614
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$141,000	4,555
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,981,540	1,470
2008-09-30 (YTD Data)		Rank
Total interest income	$14,581,000	2,001
Total interest expense	$6,799,000	1,841
Net interest income	$7,782,000	2,156
Provision for loan and lease losses	$300,000	3,542
Total noninterest income	$1,814,000	1,908
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,814,000	1,191
Total noninterest expense	$6,865,000	2,097
Salaries and employee benefits	$3,833,000	2,004
Premises and equipment expense	$1,479,000	1,403
Additional noninterest expense	$1,553,000	2,703
Pre-tax net operating income	$2,431,000	1,980
Securities gains (losses)	$-1,732,000	8,022
Applicable income taxes	$116,000	3,469
Income before extraordinary items	$583,000	4,181
Extraordinary gains, net	$0	31
Net income	$583,000	4,178
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$114,000	3,791
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,020,560	1,860
2008-06-30 (YTD Data)		Rank
Total interest income	$9,586,000	2,069
Total interest expense	$4,589,000	1,877
Net interest income	$4,997,000	2,221
Provision for loan and lease losses	$150,000	3,592
Total noninterest income	$1,142,000	2,029
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$1,142,000	1,280
Total noninterest expense	$4,558,000	2,111
Salaries and employee benefits	$2,602,000	2,001
Premises and equipment expense	$989,000	1,408
Additional noninterest expense	$967,000	2,829
Pre-tax net operating income	$1,431,000	2,300
Securities gains (losses)	$-1,732,000	8,393
Applicable income taxes	$-30,000	7,707
Income before extraordinary items	$-271,000	7,490
Extraordinary gains, net	$0	21
Net income	$-271,000	7,490
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	3,081
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,287,800	2,008
2008-03-31 (YTD Data)		Rank
Total interest income	$5,009,000	2,036
Total interest expense	$2,337,000	1,982
Net interest income	$2,672,000	2,084
Provision for loan and lease losses	$0	6,080
Total noninterest income	$535,000	2,137
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$535,000	1,342
Total noninterest expense	$2,368,000	2,025
Salaries and employee benefits	$1,377,000	1,910
Premises and equipment expense	$487,000	1,430
Additional noninterest expense	$504,000	2,707
Pre-tax net operating income	$839,000	2,059
Securities gains (losses)	$0	2,688
Applicable income taxes	$201,000	1,959
Income before extraordinary items	$638,000	2,194
Extraordinary gains, net	$0	15
Net income	$638,000	2,197
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,000	1,953
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$638,000	2,122
2007-12-31 (YTD Data)		Rank
Total interest income	$18,506,000	2,224
Total interest expense	$9,517,000	2,015
Net interest income	$8,989,000	2,445
Provision for loan and lease losses	$105,000	4,838
Total noninterest income	$1,892,000	2,306
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,892,000	1,408
Total noninterest expense	$8,660,000	2,126
Salaries and employee benefits	$4,964,000	2,028
Premises and equipment expense	$1,832,000	1,458
Additional noninterest expense	$1,864,000	2,839
Pre-tax net operating income	$2,116,000	3,189
Securities gains (losses)	$1,000	1,983
Applicable income taxes	$412,000	2,990
Income before extraordinary items	$1,705,000	3,161
Extraordinary gains, net	$0	39
Net income	$1,705,000	3,159
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$136,000	3,346
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,704,190	3,151
2007-09-30 (YTD Data)		Rank
Total interest income	$13,620,000	2,281
Total interest expense	$7,076,000	2,026
Net interest income	$6,544,000	2,540
Provision for loan and lease losses	$45,000	5,124
Total noninterest income	$1,419,000	2,303
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,419,000	1,431
Total noninterest expense	$6,577,000	2,077
Salaries and employee benefits	$3,810,000	1,977
Premises and equipment expense	$1,386,000	1,435
Additional noninterest expense	$1,381,000	2,807
Pre-tax net operating income	$1,341,000	3,711
Securities gains (losses)	$0	1,655
Applicable income taxes	$293,000	3,231
Income before extraordinary items	$1,048,000	3,782
Extraordinary gains, net	$0	33
Net income	$1,048,000	3,781
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	4,542
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,048,000	3,769
2007-06-30 (YTD Data)		Rank
Total interest income	$8,879,000	2,344
Total interest expense	$4,700,000	2,045
Net interest income	$4,179,000	2,654
Provision for loan and lease losses	$45,000	4,495
Total noninterest income	$890,000	2,405
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$890,000	1,513
Total noninterest expense	$4,361,000	2,113
Salaries and employee benefits	$2,574,000	1,976
Premises and equipment expense	$931,000	1,428
Additional noninterest expense	$856,000	3,013
Pre-tax net operating income	$663,000	4,445
Securities gains (losses)	$0	1,444
Applicable income taxes	$121,000	3,911
Income before extraordinary items	$542,000	4,375
Extraordinary gains, net	$0	29
Net income	$542,000	4,375
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,139
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$542,000	4,368
2007-03-31 (YTD Data)		Rank
Total interest income	$4,488,000	2,318
Total interest expense	$2,352,000	2,036
Net interest income	$2,136,000	2,610
Provision for loan and lease losses	$45,000	3,197
Total noninterest income	$406,000	2,540
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$406,000	1,572
Total noninterest expense	$2,203,000	2,095
Salaries and employee benefits	$1,337,000	1,925
Premises and equipment expense	$482,000	1,392
Additional noninterest expense	$384,000	3,279
Pre-tax net operating income	$294,000	4,700
Securities gains (losses)	$0	1,187
Applicable income taxes	$51,000	4,100
Income before extraordinary items	$243,000	4,633
Extraordinary gains, net	$0	22
Net income	$243,000	4,635
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,238
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$243,000	4,619
2006-12-31 (YTD Data)		Rank
Total interest income	$17,630,000	2,213
Total interest expense	$8,530,000	1,933
Net interest income	$9,100,000	2,490
Provision for loan and lease losses	$159,000	3,970
Total noninterest income	$1,844,000	2,354
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,844,000	1,446
Total noninterest expense	$8,331,000	2,125
Salaries and employee benefits	$4,674,000	2,088
Premises and equipment expense	$1,882,000	1,370
Additional noninterest expense	$1,775,000	2,851
Pre-tax net operating income	$2,454,000	3,166
Securities gains (losses)	$3,000	1,365
Applicable income taxes	$821,000	2,436
Income before extraordinary items	$1,636,000	3,572
Extraordinary gains, net	$0	51
Net income	$1,636,000	3,572
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$134,000	2,743
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,633,990	3,559
2006-09-30 (YTD Data)		Rank
Total interest income	$13,205,000	2,212
Total interest expense	$6,189,000	1,935
Net interest income	$7,016,000	2,452
Provision for loan and lease losses	$56,000	4,951
Total noninterest income	$1,341,000	2,419
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,341,000	1,473
Total noninterest expense	$6,306,000	2,094
Salaries and employee benefits	$3,559,000	2,060
Premises and equipment expense	$1,416,000	1,373
Additional noninterest expense	$1,331,000	2,843
Pre-tax net operating income	$1,995,000	3,112
Securities gains (losses)	$2,000	1,183
Applicable income taxes	$660,000	2,453
Income before extraordinary items	$1,337,000	3,461
Extraordinary gains, net	$0	45
Net income	$1,337,000	3,463
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	2,535
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,335,660	3,453
2006-06-30 (YTD Data)		Rank
Total interest income	$8,725,000	2,196
Total interest expense	$3,982,000	1,917
Net interest income	$4,743,000	2,422
Provision for loan and lease losses	$11,000	5,966
Total noninterest income	$813,000	2,565
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$813,000	1,573
Total noninterest expense	$4,322,000	2,037
Salaries and employee benefits	$2,428,000	2,009
Premises and equipment expense	$976,000	1,333
Additional noninterest expense	$918,000	2,769
Pre-tax net operating income	$1,223,000	3,318
Securities gains (losses)	$1,000	1,053
Applicable income taxes	$400,000	2,617
Income before extraordinary items	$824,000	3,682
Extraordinary gains, net	$0	39
Net income	$824,000	3,685
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	2,602
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$823,330	3,678
2006-03-31 (YTD Data)		Rank
Total interest income	$4,243,000	2,214
Total interest expense	$1,921,000	1,899
Net interest income	$2,322,000	2,460
Provision for loan and lease losses	$0	6,013
Total noninterest income	$394,000	2,567
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$394,000	1,595
Total noninterest expense	$2,258,000	1,969
Salaries and employee benefits	$1,275,000	1,925
Premises and equipment expense	$507,000	1,281
Additional noninterest expense	$476,000	2,650
Pre-tax net operating income	$458,000	3,957
Securities gains (losses)	$1,000	856
Applicable income taxes	$151,000	3,033
Income before extraordinary items	$308,000	4,348
Extraordinary gains, net	$0	21
Net income	$308,000	4,348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	1,440
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$307,330	4,352
2005-12-31 (YTD Data)		Rank
Total interest income	$15,851,000	2,105
Total interest expense	$6,426,000	1,765
Net interest income	$9,425,000	2,344
Provision for loan and lease losses	$75,000	5,186
Total noninterest income	$1,907,000	2,299
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,907,000	1,405
Total noninterest expense	$8,246,000	2,025
Salaries and employee benefits	$4,513,000	2,037
Premises and equipment expense	$1,662,000	1,471
Additional noninterest expense	$2,071,000	2,408
Pre-tax net operating income	$3,011,000	2,743
Securities gains (losses)	$4,000	1,802
Applicable income taxes	$953,000	2,323
Income before extraordinary items	$2,062,000	3,023
Extraordinary gains, net	$0	46
Net income	$2,062,000	3,025
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	3,744
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,059,280	2,987
2005-09-30 (YTD Data)		Rank
Total interest income	$11,768,000	2,073
Total interest expense	$4,651,000	1,730
Net interest income	$7,117,000	2,303
Provision for loan and lease losses	$20,000	6,139
Total noninterest income	$1,419,000	2,301
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,419,000	1,415
Total noninterest expense	$6,071,000	2,044
Salaries and employee benefits	$3,405,000	2,002
Premises and equipment expense	$1,218,000	1,495
Additional noninterest expense	$1,448,000	2,542
Pre-tax net operating income	$2,445,000	2,614
Securities gains (losses)	$3,000	1,906
Applicable income taxes	$873,000	2,076
Income before extraordinary items	$1,575,000	3,015
Extraordinary gains, net	$0	35
Net income	$1,575,000	3,016
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	3,746
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,573,080	2,979
2005-06-30 (YTD Data)		Rank
Total interest income	$7,741,000	2,044
Total interest expense	$2,989,000	1,689
Net interest income	$4,752,000	2,283
Provision for loan and lease losses	$20,000	5,646
Total noninterest income	$889,000	2,378
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$889,000	1,461
Total noninterest expense	$4,034,000	2,042
Salaries and employee benefits	$2,306,000	1,960
Premises and equipment expense	$787,000	1,534
Additional noninterest expense	$941,000	2,587
Pre-tax net operating income	$1,587,000	2,636
Securities gains (losses)	$3,000	1,754
Applicable income taxes	$514,000	2,239
Income before extraordinary items	$1,076,000	2,926
Extraordinary gains, net	$0	30
Net income	$1,076,000	2,926
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	3,161
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,073,960	2,887
2005-03-31 (YTD Data)		Rank
Total interest income	$3,828,000	2,027
Total interest expense	$1,446,000	1,655
Net interest income	$2,382,000	2,257
Provision for loan and lease losses	$20,000	4,626
Total noninterest income	$407,000	2,468
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$407,000	1,535
Total noninterest expense	$2,055,000	2,016
Salaries and employee benefits	$1,195,000	1,913
Premises and equipment expense	$403,000	1,501
Additional noninterest expense	$457,000	2,648
Pre-tax net operating income	$714,000	2,808
Securities gains (losses)	$1,000	1,514
Applicable income taxes	$194,000	2,651
Income before extraordinary items	$521,000	2,954
Extraordinary gains, net	$0	24
Net income	$521,000	2,955
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	2,934
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$520,270	2,914
2004-12-31 (YTD Data)		Rank
Total interest income	$14,672,000	1,940
Total interest expense	$5,332,000	1,534
Net interest income	$9,340,000	2,184
Provision for loan and lease losses	$267,000	3,133
Total noninterest income	$1,866,000	2,310
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,866,000	1,392
Total noninterest expense	$7,897,000	2,027
Salaries and employee benefits	$4,574,000	1,914
Premises and equipment expense	$1,543,000	1,496
Additional noninterest expense	$1,780,000	2,672
Pre-tax net operating income	$3,042,000	2,553
Securities gains (losses)	$35,000	2,001
Applicable income taxes	$902,000	2,336
Income before extraordinary items	$2,175,000	2,720
Extraordinary gains, net	$0	34
Net income	$2,175,000	2,723
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$271,000	2,139
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,150,150	2,685
2004-09-30 (YTD Data)		Rank
Total interest income	$10,829,000	1,946
Total interest expense	$3,902,000	1,553
Net interest income	$6,927,000	2,191
Provision for loan and lease losses	$207,000	2,929
Total noninterest income	$1,348,000	2,376
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,348,000	1,442
Total noninterest expense	$5,830,000	2,050
Salaries and employee benefits	$3,322,000	1,965
Premises and equipment expense	$1,138,000	1,527
Additional noninterest expense	$1,370,000	2,593
Pre-tax net operating income	$2,238,000	2,617
Securities gains (losses)	$36,000	1,910
Applicable income taxes	$684,000	2,359
Income before extraordinary items	$1,590,000	2,819
Extraordinary gains, net	$0	26
Net income	$1,590,000	2,820
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	3,331
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,564,800	2,781
2004-06-30 (YTD Data)		Rank
Total interest income	$7,102,000	1,964
Total interest expense	$2,550,000	1,557
Net interest income	$4,552,000	2,192
Provision for loan and lease losses	$170,000	2,510
Total noninterest income	$840,000	2,506
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$840,000	1,498
Total noninterest expense	$3,910,000	2,034
Salaries and employee benefits	$2,255,000	1,924
Premises and equipment expense	$761,000	1,522
Additional noninterest expense	$894,000	2,639
Pre-tax net operating income	$1,312,000	2,890
Securities gains (losses)	$35,000	1,694
Applicable income taxes	$419,000	2,485
Income before extraordinary items	$928,000	3,121
Extraordinary gains, net	$0	21
Net income	$928,000	3,122
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	2,446
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$903,850	3,121
2004-03-31 (YTD Data)		Rank
Total interest income	$3,508,000	1,997
Total interest expense	$1,288,000	1,553
Net interest income	$2,220,000	2,260
Provision for loan and lease losses	$90,000	2,254
Total noninterest income	$369,000	2,688
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$369,000	1,624
Total noninterest expense	$2,007,000	1,996
Salaries and employee benefits	$1,161,000	1,891
Premises and equipment expense	$407,000	1,445
Additional noninterest expense	$439,000	2,664
Pre-tax net operating income	$492,000	3,568
Securities gains (losses)	$0	2,934
Applicable income taxes	$187,000	2,692
Income before extraordinary items	$305,000	4,228
Extraordinary gains, net	$0	16
Net income	$305,000	4,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	1,899
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$305,000	4,102
2003-12-31 (YTD Data)		Rank
Total interest income	$12,746,000	2,253
Total interest expense	$4,695,000	1,915
Net interest income	$8,051,000	2,418
Provision for loan and lease losses	$376,000	2,703
Total noninterest income	$1,782,000	2,515
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,782,000	1,593
Total noninterest expense	$7,140,000	2,204
Salaries and employee benefits	$3,953,000	2,149
Premises and equipment expense	$1,395,000	1,634
Additional noninterest expense	$1,792,000	2,649
Pre-tax net operating income	$2,317,000	3,061
Securities gains (losses)	$-5,000	8,699
Applicable income taxes	$744,000	2,670
Income before extraordinary items	$1,568,000	3,452
Extraordinary gains, net	$0	54
Net income	$1,568,000	3,451
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$284,000	2,325
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,571,400	3,275
2003-09-30 (YTD Data)		Rank
Total interest income	$9,352,000	2,346
Total interest expense	$3,428,000	2,034
Net interest income	$5,924,000	2,472
Provision for loan and lease losses	$285,000	2,606
Total noninterest income	$1,351,000	2,544
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,351,000	1,657
Total noninterest expense	$5,209,000	2,275
Salaries and employee benefits	$2,879,000	2,211
Premises and equipment expense	$997,000	1,720
Additional noninterest expense	$1,333,000	2,653
Pre-tax net operating income	$1,781,000	3,098
Securities gains (losses)	$-6,000	8,888
Applicable income taxes	$543,000	2,884
Income before extraordinary items	$1,232,000	3,423
Extraordinary gains, net	$0	40
Net income	$1,232,000	3,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	3,415
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,236,140	3,253
2003-06-30 (YTD Data)		Rank
Total interest income	$6,253,000	2,348
Total interest expense	$2,275,000	2,107
Net interest income	$3,978,000	2,447
Provision for loan and lease losses	$195,000	2,557
Total noninterest income	$935,000	2,461
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$935,000	1,596
Total noninterest expense	$3,479,000	2,261
Salaries and employee benefits	$1,962,000	2,162
Premises and equipment expense	$640,000	1,776
Additional noninterest expense	$877,000	2,671
Pre-tax net operating income	$1,239,000	3,008
Securities gains (losses)	$-7,000	9,022
Applicable income taxes	$321,000	3,108
Income before extraordinary items	$911,000	3,181
Extraordinary gains, net	$0	30
Net income	$911,000	3,180
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	3,132
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$916,180	3,000
2003-03-31 (YTD Data)		Rank
Total interest income	$3,159,000	2,336
Total interest expense	$1,152,000	2,123
Net interest income	$2,007,000	2,422
Provision for loan and lease losses	$90,000	2,494
Total noninterest income	$539,000	2,169
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$539,000	1,408
Total noninterest expense	$1,646,000	2,361
Salaries and employee benefits	$948,000	2,219
Premises and equipment expense	$319,000	1,794
Additional noninterest expense	$379,000	2,991
Pre-tax net operating income	$810,000	2,444
Securities gains (losses)	$-8,000	9,142
Applicable income taxes	$215,000	2,571
Income before extraordinary items	$587,000	2,589
Extraordinary gains, net	$0	21
Net income	$587,000	2,587
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	3,227
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$592,840	2,436
2002-12-31 (YTD Data)		Rank
Total interest income	$13,123,000	2,338
Total interest expense	$4,944,000	2,271
Net interest income	$8,179,000	2,356
Provision for loan and lease losses	$360,000	3,054
Total noninterest income	$1,401,000	2,749
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,401,000	1,738
Total noninterest expense	$6,073,000	2,431
Salaries and employee benefits	$3,187,000	2,481
Premises and equipment expense	$1,171,000	1,893
Additional noninterest expense	$1,715,000	2,647
Pre-tax net operating income	$3,147,000	2,397
Securities gains (losses)	$178,000	1,251
Applicable income taxes	$1,105,000	2,058
Income before extraordinary items	$2,220,000	2,574
Extraordinary gains, net	$0	70
Net income	$2,220,000	2,574
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,825
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,100,740	2,607
2001-12-31 (YTD Data)		Rank
Total interest income	$14,206,000	2,406
Total interest expense	$7,035,000	2,279
Net interest income	$7,171,000	2,493
Provision for loan and lease losses	$325,000	3,038
Total noninterest income	$1,412,000	2,630
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,412,000	1,605
Total noninterest expense	$5,397,000	2,618
Salaries and employee benefits	$2,649,000	2,810
Premises and equipment expense	$1,170,000	1,843
Additional noninterest expense	$1,578,000	2,752
Pre-tax net operating income	$2,861,000	2,376
Securities gains (losses)	$220,000	1,124
Applicable income taxes	$1,017,000	2,048
Income before extraordinary items	$2,064,000	2,456
Extraordinary gains, net	$0	105
Net income	$2,064,000	2,462
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$172,000	3,134
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,916,600	2,553
2000-12-31 (YTD Data)		Rank
Total interest income	$13,862,000	2,512
Total interest expense	$6,839,000	2,460
Net interest income	$7,023,000	2,538
Provision for loan and lease losses	$201,000	3,725
Total noninterest income	$1,135,000	2,879
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,135,000	1,709
Total noninterest expense	$5,271,000	2,580
Salaries and employee benefits	$2,690,000	2,646
Premises and equipment expense	$1,048,000	1,981
Additional noninterest expense	$1,533,000	2,756
Pre-tax net operating income	$2,686,000	2,611
Securities gains (losses)	$3,000	1,519
Applicable income taxes	$897,000	2,324
Income before extraordinary items	$1,792,000	2,810
Extraordinary gains, net	$0	38
Net income	$1,792,000	2,810
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	3,579
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,789,990	2,807
1999-12-31 (YTD Data)		Rank
Total interest income	$12,364,000	2,634
Total interest expense	$5,970,000	2,475
Net interest income	$6,394,000	2,747
Provision for loan and lease losses	$132,000	4,547
Total noninterest income	$1,174,000	2,736
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,174,000	1,678
Total noninterest expense	$5,285,000	2,561
Salaries and employee benefits	$2,711,000	2,599
Premises and equipment expense	$1,004,000	2,043
Additional noninterest expense	$1,570,000	2,757
Pre-tax net operating income	$2,151,000	3,156
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$743,000	2,795
Income before extraordinary items	$1,409,000	3,401
Extraordinary gains, net	$0	35
Net income	$1,409,000	3,400
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$191,000	2,472
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,408,350	3,366
1998-12-31 (YTD Data)		Rank
Total interest income	$11,870,000	2,731
Total interest expense	$5,951,000	2,542
Net interest income	$5,919,000	2,918
Provision for loan and lease losses	$151,000	4,127
Total noninterest income	$850,000	3,467
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$850,000	2,075
Total noninterest expense	$4,543,000	2,854
Salaries and employee benefits	$2,354,000	2,878
Premises and equipment expense	$933,000	2,087
Additional noninterest expense	$1,256,000	3,242
Pre-tax net operating income	$2,075,000	3,253
Securities gains (losses)	$17,000	2,560
Applicable income taxes	$768,000	2,831
Income before extraordinary items	$1,324,000	3,621
Extraordinary gains, net	$0	32
Net income	$1,324,000	3,621
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	5,363
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,313,120	3,558
1997-12-31 (YTD Data)		Rank
Total interest income	$11,182,000	2,917
Total interest expense	$5,594,000	2,668
Net interest income	$5,588,000	3,130
Provision for loan and lease losses	$314,000	2,503
Total noninterest income	$599,000	4,414
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$599,000	2,476
Total noninterest expense	$4,305,000	2,953
Salaries and employee benefits	$2,118,000	3,121
Premises and equipment expense	$869,000	2,265
Additional noninterest expense	$1,318,000	3,075
Pre-tax net operating income	$1,568,000	4,318
Securities gains (losses)	$38,000	1,502
Applicable income taxes	$606,000	3,635
Income before extraordinary items	$1,000,000	4,722
Extraordinary gains, net	$0	44
Net income	$1,000,000	4,721
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,000	3,258
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$975,680	4,723
1996-12-31 (YTD Data)		Rank
Total interest income	$10,146,000	3,236
Total interest expense	$4,981,000	3,012
Net interest income	$5,165,000	3,443
Provision for loan and lease losses	$131,000	4,409
Total noninterest income	$568,000	4,728
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$568,000	2,670
Total noninterest expense	$5,063,000	2,698
Salaries and employee benefits	$2,065,000	3,240
Premises and equipment expense	$666,000	2,923
Additional noninterest expense	$2,332,000	2,144
Pre-tax net operating income	$539,000	7,732
Securities gains (losses)	$-2,000	9,485
Applicable income taxes	$213,000	6,931
Income before extraordinary items	$324,000	8,222
Extraordinary gains, net	$0	53
Net income	$324,000	8,221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	5,157
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$325,280	8,149
1995-12-31 (YTD Data)		Rank
Total interest income	$9,527,000	3,440
Total interest expense	$4,612,000	3,248
Net interest income	$4,915,000	3,599
Provision for loan and lease losses	$190,000	3,120
Total noninterest income	$497,000	5,215
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$497,000	2,887
Total noninterest expense	$3,401,000	3,847
Salaries and employee benefits	$1,661,000	3,911
Premises and equipment expense	$567,000	3,370
Additional noninterest expense	$1,173,000	3,810
Pre-tax net operating income	$1,821,000	3,806
Securities gains (losses)	$-102,000	11,492
Applicable income taxes	$537,000	3,973
Income before extraordinary items	$1,182,000	4,008
Extraordinary gains, net	$0	65
Net income	$1,182,000	4,005
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	5,073
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$1,252,380	3,793
1994-12-31 (YTD Data)		Rank
Total interest income	$8,374,000	3,582
Total interest expense	$3,867,000	3,155
Net interest income	$4,507,000	3,917
Provision for loan and lease losses	$200,000	3,000
Total noninterest income	$413,000	6,021
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$413,000	3,342
Total noninterest expense	$2,959,000	4,473
Salaries and employee benefits	$1,409,000	4,529
Premises and equipment expense	$533,000	3,595
Additional noninterest expense	$1,017,000	4,652
Pre-tax net operating income	$1,761,000	3,829
Securities gains (losses)	$3,000	2,889
Applicable income taxes	$692,000	3,119
Income before extraordinary items	$1,072,000	4,266
Extraordinary gains, net	$0	249
Net income	$1,072,000	4,267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$118,000	3,422
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,070,080	4,327
1993-12-31 (YTD Data)		Rank
Total interest income	$8,181,000	3,737
Total interest expense	$3,950,000	3,204
Net interest income	$4,231,000	4,181
Provision for loan and lease losses	$124,000	5,143
Total noninterest income	$530,000	5,384
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$530,000	3,136
Total noninterest expense	$2,697,000	4,933
Salaries and employee benefits	$1,258,000	5,019
Premises and equipment expense	$498,000	3,875
Additional noninterest expense	$941,000	5,184
Pre-tax net operating income	$1,940,000	3,400
Securities gains (losses)	$0	7,477
Applicable income taxes	$752,000	2,902
Income before extraordinary items	$1,188,000	4,053
Extraordinary gains, net	$0	3,149
Net income	$1,188,000	4,161
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	5,917
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,188,000	3,859
1992-12-31 (YTD Data)		Rank
Total interest income	$8,128,000	4,234
Total interest expense	$4,450,000	3,683
Net interest income	$3,678,000	4,793
Provision for loan and lease losses	$55,000	8,828
Total noninterest income	$514,000	5,545
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$514,000	3,129
Total noninterest expense	$2,351,000	5,588
Salaries and employee benefits	$1,033,000	5,859
Premises and equipment expense	$439,000	4,443
Additional noninterest expense	$879,000	5,634
Pre-tax net operating income	$1,786,000	3,459
Securities gains (losses)	$45,000	4,303
Applicable income taxes	$625,000	3,315
Income before extraordinary items	$1,206,000	3,784
Extraordinary gains, net	$0	1,422
Net income	$1,206,000	3,827
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	9,788
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,176,300	3,596

* 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.