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Ledyard National Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$28,486,000	1,458
Total interest expense	$10,456,000	1,249
Net interest income	$18,030,000	1,576
Provision for loan and lease losses	$667,000	1,076
Total noninterest income	$13,994,000	593
Gross Fiduciary activities income	$12,656,000	153
Service charges on deposit accounts	$288,000	2,245
Trading account gains and fees	$0	123
Additional Noninterest Income	$1,050,000	2,242
Total noninterest expense	$27,425,000	956
Salaries and employee benefits	$16,501,000	896
Premises and equipment expense	$2,881,000	904
Additional noninterest expense	$1,050,000	2,242
Pre-tax net operating income	$3,932,000	2,189
Securities gains (losses)	$-15,000	3,432
Applicable income taxes	$-224,000	4,465
Income before extraordinary items	$4,141,000	1,949
Extraordinary gains, net	$0	54
Net income	$4,141,000	1,972
Minority interest net income	$0	88
Net income of bank and minority interests.	$4,141,000	1,952
Net charge-offs	$-50,000	4,194
Cash dividends	$3,000,000	1,181
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$4,156,000	1,976
2023-09-30 (YTD Data)		Rank
Total interest income	$20,055,000	1,503
Total interest expense	$6,367,000	1,350
Net interest income	$13,688,000	1,568
Provision for loan and lease losses	$-45,000	4,324
Total noninterest income	$10,456,000	595
Gross Fiduciary activities income	$9,441,000	152
Service charges on deposit accounts	$215,000	2,256
Trading account gains and fees	$0	125
Additional Noninterest Income	$800,000	2,213
Total noninterest expense	$20,538,000	959
Salaries and employee benefits	$12,379,000	905
Premises and equipment expense	$2,159,000	914
Additional noninterest expense	$800,000	2,213
Pre-tax net operating income	$3,651,000	1,999
Securities gains (losses)	$-11,000	3,500
Applicable income taxes	$-146,000	4,525
Income before extraordinary items	$3,786,000	1,776
Extraordinary gains, net	$0	52
Net income	$3,786,000	1,791
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,786,000	1,776
Net charge-offs	$-27,000	4,065
Cash dividends	$2,250,000	1,081
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$3,797,000	1,796
2023-06-30 (YTD Data)		Rank
Total interest income	$12,797,000	1,523
Total interest expense	$3,307,000	1,467
Net interest income	$9,490,000	1,528
Provision for loan and lease losses	$253,000	1,166
Total noninterest income	$6,923,000	588
Gross Fiduciary activities income	$6,232,000	151
Service charges on deposit accounts	$148,000	2,202
Trading account gains and fees	$0	112
Additional Noninterest Income	$543,000	2,112
Total noninterest expense	$13,555,000	951
Salaries and employee benefits	$8,160,000	900
Premises and equipment expense	$1,473,000	874
Additional noninterest expense	$543,000	2,109
Pre-tax net operating income	$2,605,000	1,908
Securities gains (losses)	$0	938
Applicable income taxes	$-115,000	4,560
Income before extraordinary items	$2,720,000	1,684
Extraordinary gains, net	$0	51
Net income	$2,720,000	1,704
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,720,000	1,684
Net charge-offs	$-24,000	4,159
Cash dividends	$1,500,000	1,072
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,720,000	1,695
2023-03-31 (YTD Data)		Rank
Total interest income	$6,218,000	1,535
Total interest expense	$1,151,000	1,675
Net interest income	$5,067,000	1,455
Provision for loan and lease losses	$21,000	2,118
Total noninterest income	$3,398,000	586
Gross Fiduciary activities income	$3,094,000	156
Service charges on deposit accounts	$72,000	2,247
Trading account gains and fees	$0	97
Additional Noninterest Income	$232,000	2,267
Total noninterest expense	$6,633,000	983
Salaries and employee benefits	$4,144,000	911
Premises and equipment expense	$736,000	898
Additional noninterest expense	$232,000	2,267
Pre-tax net operating income	$1,811,000	1,578
Securities gains (losses)	$0	950
Applicable income taxes	$78,000	2,321
Income before extraordinary items	$1,733,000	1,436
Extraordinary gains, net	$0	4
Net income	$1,733,000	1,436
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,733,000	1,436
Net charge-offs	$2,000	1,796
Cash dividends	$750,000	976
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,733,000	1,448
2022-12-31 (YTD Data)		Rank
Total interest income	$20,759,000	1,526
Total interest expense	$1,494,000	1,914
Net interest income	$19,265,000	1,483
Provision for loan and lease losses	$-4,700,000	4,689
Total noninterest income	$14,100,000	608
Gross Fiduciary activities income	$12,779,000	154
Service charges on deposit accounts	$289,000	2,293
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,032,000	2,303
Total noninterest expense	$25,715,000	983
Salaries and employee benefits	$16,071,000	906
Premises and equipment expense	$2,753,000	932
Additional noninterest expense	$1,032,000	2,303
Pre-tax net operating income	$12,350,000	1,089
Securities gains (losses)	$-2,966,000	4,594
Applicable income taxes	$504,000	2,015
Income before extraordinary items	$8,880,000	1,207
Extraordinary gains, net	$0	5
Net income	$8,880,000	1,206
Minority interest net income	$0	63
Net income of bank and minority interests.	$8,880,000	1,207
Net charge-offs	$-8,000	3,595
Cash dividends	$2,150,000	1,423
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$11,697,700	1,005
2022-09-30 (YTD Data)		Rank
Total interest income	$14,986,000	1,524
Total interest expense	$841,000	1,981
Net interest income	$14,145,000	1,481
Provision for loan and lease losses	$-750,000	4,627
Total noninterest income	$10,761,000	615
Gross Fiduciary activities income	$9,748,000	154
Service charges on deposit accounts	$213,000	2,327
Trading account gains and fees	$0	111
Additional Noninterest Income	$800,000	2,302
Total noninterest expense	$18,722,000	1,009
Salaries and employee benefits	$11,684,000	921
Premises and equipment expense	$2,048,000	932
Additional noninterest expense	$800,000	2,302
Pre-tax net operating income	$6,934,000	1,336
Securities gains (losses)	$272,000	91
Applicable income taxes	$501,000	1,843
Income before extraordinary items	$6,705,000	1,178
Extraordinary gains, net	$0	4
Net income	$6,705,000	1,177
Minority interest net income	$0	57
Net income of bank and minority interests.	$6,705,000	1,178
Net charge-offs	$-1,000	3,079
Cash dividends	$1,400,000	1,404
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$6,452,040	1,241
2022-06-30 (YTD Data)		Rank
Total interest income	$9,794,000	1,497
Total interest expense	$340,000	2,489
Net interest income	$9,454,000	1,447
Provision for loan and lease losses	$0	2,599
Total noninterest income	$7,345,000	593
Gross Fiduciary activities income	$6,636,000	127
Service charges on deposit accounts	$139,000	2,341
Trading account gains and fees	$0	108
Additional Noninterest Income	$570,000	2,253
Total noninterest expense	$12,315,000	1,006
Salaries and employee benefits	$7,694,000	920
Premises and equipment expense	$1,349,000	928
Additional noninterest expense	$3,272,000	1,087
Pre-tax net operating income	$4,484,000	1,294
Securities gains (losses)	$272,000	81
Applicable income taxes	$368,000	1,710
Income before extraordinary items	$4,388,000	1,150
Extraordinary gains, net	$0	4
Net income	$4,388,000	1,148
Minority interest net income	$0	60
Net income of bank and minority interests.	$4,388,000	1,150
Net charge-offs	$2,000	1,931
Cash dividends	$700,000	1,614
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$4,137,760	1,228
2022-03-31 (YTD Data)		Rank
Total interest income	$4,869,000	1,472
Total interest expense	$175,000	2,415
Net interest income	$4,694,000	1,430
Provision for loan and lease losses	$0	2,285
Total noninterest income	$3,702,000	604
Gross Fiduciary activities income	$3,369,000	126
Service charges on deposit accounts	$71,000	2,303
Trading account gains and fees	$0	103
Additional Noninterest Income	$262,000	2,326
Total noninterest expense	$6,419,000	961
Salaries and employee benefits	$4,117,000	875
Premises and equipment expense	$684,000	926
Additional noninterest expense	$1,618,000	1,083
Pre-tax net operating income	$1,977,000	1,358
Securities gains (losses)	$272,000	70
Applicable income taxes	$174,000	1,701
Income before extraordinary items	$2,075,000	1,170
Extraordinary gains, net	$0	4
Net income	$2,075,000	1,170
Minority interest net income	$0	50
Net income of bank and minority interests.	$2,075,000	1,170
Net charge-offs	$-5,000	3,667
Cash dividends	$700,000	971
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,824,760	1,294
2021-12-31 (YTD Data)		Rank
Total interest income	$19,293,000	1,527
Total interest expense	$1,016,000	2,188
Net interest income	$18,277,000	1,472
Provision for loan and lease losses	$-450,000	4,416
Total noninterest income	$14,789,000	647
Gross Fiduciary activities income	$13,169,000	124
Service charges on deposit accounts	$249,000	2,395
Trading account gains and fees	$0	132
Additional Noninterest Income	$1,371,000	2,315
Total noninterest expense	$24,871,000	986
Salaries and employee benefits	$15,662,000	902
Premises and equipment expense	$2,643,000	958
Additional noninterest expense	$6,566,000	1,071
Pre-tax net operating income	$8,645,000	1,403
Securities gains (losses)	$168,000	668
Applicable income taxes	$783,000	1,786
Income before extraordinary items	$8,030,000	1,340
Extraordinary gains, net	$0	10
Net income	$8,030,000	1,340
Minority interest net income	$0	74
Net income of bank and minority interests.	$8,030,000	1,340
Net charge-offs	$39,000	1,790
Cash dividends	$350,000	3,021
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$7,877,120	1,337
2021-09-30 (YTD Data)		Rank
Total interest income	$14,522,000	1,549
Total interest expense	$806,000	2,189
Net interest income	$13,716,000	1,493
Provision for loan and lease losses	$50,000	2,340
Total noninterest income	$10,986,000	660
Gross Fiduciary activities income	$9,762,000	126
Service charges on deposit accounts	$172,000	2,502
Trading account gains and fees	$0	132
Additional Noninterest Income	$1,052,000	2,330
Total noninterest expense	$18,203,000	1,009
Salaries and employee benefits	$11,628,000	920
Premises and equipment expense	$1,950,000	981
Additional noninterest expense	$4,625,000	1,125
Pre-tax net operating income	$6,449,000	1,467
Securities gains (losses)	$276,000	470
Applicable income taxes	$701,000	1,734
Income before extraordinary items	$6,024,000	1,402
Extraordinary gains, net	$0	8
Net income	$6,024,000	1,401
Minority interest net income	$0	69
Net income of bank and minority interests.	$6,024,000	1,402
Net charge-offs	$-69,000	4,327
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$5,775,600	1,427
2021-06-30 (YTD Data)		Rank
Total interest income	$9,635,000	1,551
Total interest expense	$566,000	2,177
Net interest income	$9,069,000	1,486
Provision for loan and lease losses	$50,000	2,139
Total noninterest income	$7,264,000	674
Gross Fiduciary activities income	$6,386,000	125
Service charges on deposit accounts	$112,000	2,484
Trading account gains and fees	$0	133
Additional Noninterest Income	$766,000	2,207
Total noninterest expense	$12,048,000	1,004
Salaries and employee benefits	$7,721,000	911
Premises and equipment expense	$1,322,000	967
Additional noninterest expense	$3,005,000	1,127
Pre-tax net operating income	$4,235,000	1,477
Securities gains (losses)	$276,000	394
Applicable income taxes	$489,000	1,685
Income before extraordinary items	$4,022,000	1,397
Extraordinary gains, net	$0	6
Net income	$4,022,000	1,397
Minority interest net income	$0	67
Net income of bank and minority interests.	$4,022,000	1,397
Net charge-offs	$-32,000	4,221
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$3,776,360	1,427
2021-03-31 (YTD Data)		Rank
Total interest income	$4,754,000	1,568
Total interest expense	$308,000	2,140
Net interest income	$4,446,000	1,506
Provision for loan and lease losses	$50,000	1,719
Total noninterest income	$3,482,000	685
Gross Fiduciary activities income	$3,080,000	131
Service charges on deposit accounts	$56,000	2,487
Trading account gains and fees	$0	127
Additional Noninterest Income	$346,000	2,300
Total noninterest expense	$6,185,000	983
Salaries and employee benefits	$4,068,000	881
Premises and equipment expense	$662,000	968
Additional noninterest expense	$1,455,000	1,127
Pre-tax net operating income	$1,693,000	1,710
Securities gains (losses)	$308,000	260
Applicable income taxes	$144,000	2,035
Income before extraordinary items	$1,857,000	1,469
Extraordinary gains, net	$0	3
Net income	$1,857,000	1,469
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,857,000	1,469
Net charge-offs	$-30,000	4,464
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,570,560	1,630
2020-12-31 (YTD Data)		Rank
Total interest income	$18,340,000	1,605
Total interest expense	$1,575,000	2,316
Net interest income	$16,765,000	1,496
Provision for loan and lease losses	$2,700,000	867
Total noninterest income	$13,531,000	657
Gross Fiduciary activities income	$11,614,000	130
Service charges on deposit accounts	$247,000	2,476
Trading account gains and fees	$0	133
Additional Noninterest Income	$1,670,000	1,975
Total noninterest expense	$21,503,000	1,053
Salaries and employee benefits	$13,841,000	967
Premises and equipment expense	$2,493,000	989
Additional noninterest expense	$5,169,000	1,237
Pre-tax net operating income	$6,093,000	1,546
Securities gains (losses)	$1,431,000	280
Applicable income taxes	$638,000	1,772
Income before extraordinary items	$6,886,000	1,278
Extraordinary gains, net	$0	4
Net income	$6,886,000	1,279
Minority interest net income	$0	72
Net income of bank and minority interests.	$6,886,000	1,279
Net charge-offs	$-45,000	4,575
Cash dividends	$1,050,000	2,145
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$5,569,480	1,461
2020-09-30 (YTD Data)		Rank
Total interest income	$13,600,000	1,624
Total interest expense	$1,236,000	2,335
Net interest income	$12,364,000	1,514
Provision for loan and lease losses	$2,450,000	794
Total noninterest income	$10,026,000	639
Gross Fiduciary activities income	$8,622,000	129
Service charges on deposit accounts	$181,000	2,512
Trading account gains and fees	$0	125
Additional Noninterest Income	$1,223,000	1,951
Total noninterest expense	$15,476,000	1,081
Salaries and employee benefits	$9,901,000	987
Premises and equipment expense	$1,798,000	1,011
Additional noninterest expense	$3,777,000	1,242
Pre-tax net operating income	$4,464,000	1,539
Securities gains (losses)	$1,241,000	257
Applicable income taxes	$620,000	1,570
Income before extraordinary items	$5,085,000	1,248
Extraordinary gains, net	$0	4
Net income	$5,085,000	1,248
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,085,000	1,248
Net charge-offs	$137,000	1,471
Cash dividends	$1,050,000	1,654
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$3,980,510	1,471
2020-06-30 (YTD Data)		Rank
Total interest income	$8,979,000	1,658
Total interest expense	$866,000	2,374
Net interest income	$8,113,000	1,528
Provision for loan and lease losses	$1,450,000	874
Total noninterest income	$6,617,000	607
Gross Fiduciary activities income	$5,691,000	129
Service charges on deposit accounts	$126,000	2,502
Trading account gains and fees	$0	123
Additional Noninterest Income	$800,000	1,896
Total noninterest expense	$10,318,000	1,068
Salaries and employee benefits	$6,576,000	990
Premises and equipment expense	$1,221,000	991
Additional noninterest expense	$2,521,000	1,240
Pre-tax net operating income	$2,962,000	1,465
Securities gains (losses)	$684,000	297
Applicable income taxes	$313,000	1,715
Income before extraordinary items	$3,333,000	1,208
Extraordinary gains, net	$0	4
Net income	$3,333,000	1,208
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,333,000	1,208
Net charge-offs	$166,000	1,107
Cash dividends	$1,050,000	1,269
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,710,560	1,388
2020-03-31 (YTD Data)		Rank
Total interest income	$4,300,000	1,708
Total interest expense	$458,000	2,434
Net interest income	$3,842,000	1,557
Provision for loan and lease losses	$250,000	1,297
Total noninterest income	$3,323,000	568
Gross Fiduciary activities income	$2,934,000	130
Service charges on deposit accounts	$78,000	2,457
Trading account gains and fees	$0	106
Additional Noninterest Income	$311,000	1,970
Total noninterest expense	$5,127,000	1,083
Salaries and employee benefits	$3,258,000	997
Premises and equipment expense	$612,000	1,003
Additional noninterest expense	$1,257,000	1,266
Pre-tax net operating income	$1,788,000	1,153
Securities gains (losses)	$118,000	553
Applicable income taxes	$249,000	1,230
Income before extraordinary items	$1,657,000	1,093
Extraordinary gains, net	$0	4
Net income	$1,657,000	1,091
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,657,000	1,093
Net charge-offs	$-6,000	4,282
Cash dividends	$700,000	1,037
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,554,340	1,137
2019-12-31 (YTD Data)		Rank
Total interest income	$17,906,000	1,670
Total interest expense	$1,830,000	2,487
Net interest income	$16,076,000	1,504
Provision for loan and lease losses	$0	3,973
Total noninterest income	$12,611,000	590
Gross Fiduciary activities income	$10,887,000	133
Service charges on deposit accounts	$337,000	2,435
Trading account gains and fees	$0	135
Additional Noninterest Income	$1,387,000	1,885
Total noninterest expense	$21,775,000	1,017
Salaries and employee benefits	$13,896,000	918
Premises and equipment expense	$2,327,000	1,037
Additional noninterest expense	$5,552,000	1,146
Pre-tax net operating income	$6,912,000	1,372
Securities gains (losses)	$-39,000	4,987
Applicable income taxes	$923,000	1,492
Income before extraordinary items	$5,950,000	1,394
Extraordinary gains, net	$0	11
Net income	$5,950,000	1,396
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,950,000	1,396
Net charge-offs	$3,000	3,565
Cash dividends	$2,800,000	1,245
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$5,983,930	1,357
2019-09-30 (YTD Data)		Rank
Total interest income	$13,512,000	1,674
Total interest expense	$1,366,000	2,502
Net interest income	$12,146,000	1,507
Provision for loan and lease losses	$0	3,836
Total noninterest income	$9,337,000	591
Gross Fiduciary activities income	$8,084,000	134
Service charges on deposit accounts	$243,000	2,519
Trading account gains and fees	$0	129
Additional Noninterest Income	$1,010,000	1,904
Total noninterest expense	$16,165,000	1,018
Salaries and employee benefits	$10,316,000	927
Premises and equipment expense	$1,758,000	1,035
Additional noninterest expense	$4,091,000	1,162
Pre-tax net operating income	$5,318,000	1,380
Securities gains (losses)	$-45,000	5,094
Applicable income taxes	$721,000	1,504
Income before extraordinary items	$4,552,000	1,398
Extraordinary gains, net	$0	11
Net income	$4,552,000	1,398
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,552,000	1,400
Net charge-offs	$2,000	3,298
Cash dividends	$2,100,000	1,149
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$4,590,700	1,356
2019-06-30 (YTD Data)		Rank
Total interest income	$8,996,000	1,676
Total interest expense	$848,000	2,588
Net interest income	$8,148,000	1,499
Provision for loan and lease losses	$0	3,685
Total noninterest income	$6,130,000	594
Gross Fiduciary activities income	$5,334,000	135
Service charges on deposit accounts	$154,000	2,581
Trading account gains and fees	$0	131
Additional Noninterest Income	$642,000	1,946
Total noninterest expense	$10,792,000	1,020
Salaries and employee benefits	$6,949,000	910
Premises and equipment expense	$1,149,000	1,051
Additional noninterest expense	$2,694,000	1,182
Pre-tax net operating income	$3,486,000	1,375
Securities gains (losses)	$-46,000	5,147
Applicable income taxes	$500,000	1,445
Income before extraordinary items	$2,940,000	1,413
Extraordinary gains, net	$0	11
Net income	$2,940,000	1,412
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,940,000	1,413
Net charge-offs	$-47,000	4,892
Cash dividends	$1,400,000	1,149
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,979,100	1,370
2019-03-31 (YTD Data)		Rank
Total interest income	$4,444,000	1,686
Total interest expense	$365,000	2,769
Net interest income	$4,079,000	1,495
Provision for loan and lease losses	$0	3,406
Total noninterest income	$2,949,000	590
Gross Fiduciary activities income	$2,575,000	138
Service charges on deposit accounts	$75,000	2,624
Trading account gains and fees	$0	126
Additional Noninterest Income	$299,000	1,965
Total noninterest expense	$5,465,000	1,005
Salaries and employee benefits	$3,408,000	935
Premises and equipment expense	$617,000	1,001
Additional noninterest expense	$1,440,000	1,109
Pre-tax net operating income	$1,563,000	1,472
Securities gains (losses)	$-47,000	5,256
Applicable income taxes	$180,000	1,681
Income before extraordinary items	$1,336,000	1,491
Extraordinary gains, net	$0	5
Net income	$1,336,000	1,490
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,336,000	1,490
Net charge-offs	$-30,000	4,969
Cash dividends	$700,000	1,069
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,377,360	1,425
2018-12-31 (YTD Data)		Rank
Total interest income	$16,754,000	1,690
Total interest expense	$1,171,000	2,708
Net interest income	$15,583,000	1,546
Provision for loan and lease losses	$0	4,082
Total noninterest income	$12,098,000	596
Gross Fiduciary activities income	$10,512,000	138
Service charges on deposit accounts	$312,000	2,687
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,274,000	1,976
Total noninterest expense	$21,615,000	1,001
Salaries and employee benefits	$13,721,000	903
Premises and equipment expense	$3,828,000	663
Additional noninterest expense	$4,066,000	1,481
Pre-tax net operating income	$6,066,000	1,496
Securities gains (losses)	$0	1,125
Applicable income taxes	$775,000	1,609
Income before extraordinary items	$5,291,000	1,508
Extraordinary gains, net	$0	6
Net income	$5,291,000	1,506
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,291,000	1,507
Net charge-offs	$294,000	1,349
Cash dividends	$2,500,000	1,251
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$5,291,000	1,501
2018-09-30 (YTD Data)		Rank
Total interest income	$12,333,000	1,702
Total interest expense	$831,000	2,715
Net interest income	$11,502,000	1,564
Provision for loan and lease losses	$0	3,948
Total noninterest income	$9,082,000	597
Gross Fiduciary activities income	$7,888,000	137
Service charges on deposit accounts	$236,000	2,686
Trading account gains and fees	$0	138
Additional Noninterest Income	$958,000	1,985
Total noninterest expense	$15,963,000	1,009
Salaries and employee benefits	$10,113,000	915
Premises and equipment expense	$2,867,000	665
Additional noninterest expense	$2,983,000	1,519
Pre-tax net operating income	$4,621,000	1,501
Securities gains (losses)	$0	1,118
Applicable income taxes	$600,000	1,635
Income before extraordinary items	$4,021,000	1,500
Extraordinary gains, net	$0	5
Net income	$4,021,000	1,499
Minority interest net income	$0	66
Net income of bank and minority interests.	$4,021,000	1,499
Net charge-offs	$301,000	1,000
Cash dividends	$1,800,000	1,160
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$4,021,000	1,486
2018-06-30 (YTD Data)		Rank
Total interest income	$8,058,000	1,712
Total interest expense	$479,000	2,859
Net interest income	$7,579,000	1,576
Provision for loan and lease losses	$0	3,782
Total noninterest income	$6,050,000	600
Gross Fiduciary activities income	$5,254,000	137
Service charges on deposit accounts	$156,000	2,700
Trading account gains and fees	$0	130
Additional Noninterest Income	$640,000	1,978
Total noninterest expense	$10,646,000	1,010
Salaries and employee benefits	$6,628,000	928
Premises and equipment expense	$1,943,000	659
Additional noninterest expense	$2,075,000	1,462
Pre-tax net operating income	$2,983,000	1,522
Securities gains (losses)	$0	961
Applicable income taxes	$372,000	1,677
Income before extraordinary items	$2,611,000	1,520
Extraordinary gains, net	$0	6
Net income	$2,611,000	1,519
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,611,000	1,519
Net charge-offs	$311,000	707
Cash dividends	$1,200,000	1,153
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,611,000	1,502
2018-03-31 (YTD Data)		Rank
Total interest income	$3,998,000	1,710
Total interest expense	$228,000	2,876
Net interest income	$3,770,000	1,576
Provision for loan and lease losses	$0	3,508
Total noninterest income	$2,932,000	609
Gross Fiduciary activities income	$2,618,000	141
Service charges on deposit accounts	$81,000	2,647
Trading account gains and fees	$0	123
Additional Noninterest Income	$233,000	2,309
Total noninterest expense	$5,323,000	1,021
Salaries and employee benefits	$3,246,000	956
Premises and equipment expense	$1,002,000	630
Additional noninterest expense	$1,075,000	1,412
Pre-tax net operating income	$1,379,000	1,590
Securities gains (losses)	$0	735
Applicable income taxes	$148,000	1,843
Income before extraordinary items	$1,231,000	1,560
Extraordinary gains, net	$0	7
Net income	$1,231,000	1,560
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,231,000	1,560
Net charge-offs	$-7,000	4,604
Cash dividends	$600,000	1,040
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,231,000	1,549
2017-12-31 (YTD Data)		Rank
Total interest income	$15,520,000	1,703
Total interest expense	$1,019,000	2,513
Net interest income	$14,501,000	1,621
Provision for loan and lease losses	$0	4,227
Total noninterest income	$10,825,000	650
Gross Fiduciary activities income	$9,437,000	138
Service charges on deposit accounts	$251,000	3,128
Trading account gains and fees	$0	151
Additional Noninterest Income	$1,137,000	2,134
Total noninterest expense	$20,034,000	1,048
Salaries and employee benefits	$12,785,000	937
Premises and equipment expense	$3,723,000	675
Additional noninterest expense	$3,526,000	1,699
Pre-tax net operating income	$5,292,000	1,638
Securities gains (losses)	$39,000	1,002
Applicable income taxes	$1,557,000	1,504
Income before extraordinary items	$3,774,000	1,689
Extraordinary gains, net	$0	9
Net income	$3,774,000	1,690
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,774,000	1,689
Net charge-offs	$190,000	1,874
Cash dividends	$2,400,000	1,222
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$3,746,310	1,671
2017-09-30 (YTD Data)		Rank
Total interest income	$11,583,000	1,705
Total interest expense	$784,000	2,452
Net interest income	$10,799,000	1,628
Provision for loan and lease losses	$0	4,088
Total noninterest income	$7,980,000	669
Gross Fiduciary activities income	$6,936,000	138
Service charges on deposit accounts	$187,000	3,153
Trading account gains and fees	$0	145
Additional Noninterest Income	$857,000	2,147
Total noninterest expense	$14,821,000	1,065
Salaries and employee benefits	$9,496,000	948
Premises and equipment expense	$2,702,000	709
Additional noninterest expense	$2,623,000	1,709
Pre-tax net operating income	$3,958,000	1,651
Securities gains (losses)	$39,000	989
Applicable income taxes	$676,000	1,813
Income before extraordinary items	$3,321,000	1,593
Extraordinary gains, net	$0	9
Net income	$3,321,000	1,592
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,321,000	1,593
Net charge-offs	$182,000	1,471
Cash dividends	$1,800,000	1,143
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,288,630	1,585
2017-06-30 (YTD Data)		Rank
Total interest income	$7,659,000	1,709
Total interest expense	$530,000	2,378
Net interest income	$7,129,000	1,634
Provision for loan and lease losses	$0	3,871
Total noninterest income	$5,242,000	669
Gross Fiduciary activities income	$4,548,000	140
Service charges on deposit accounts	$122,000	3,183
Trading account gains and fees	$0	139
Additional Noninterest Income	$572,000	2,164
Total noninterest expense	$9,792,000	1,081
Salaries and employee benefits	$6,277,000	959
Premises and equipment expense	$1,777,000	719
Additional noninterest expense	$1,738,000	1,707
Pre-tax net operating income	$2,579,000	1,657
Securities gains (losses)	$38,000	745
Applicable income taxes	$441,000	1,816
Income before extraordinary items	$2,176,000	1,588
Extraordinary gains, net	$0	11
Net income	$2,176,000	1,588
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,176,000	1,588
Net charge-offs	$218,000	999
Cash dividends	$1,200,000	1,138
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,144,460	1,588
2017-03-31 (YTD Data)		Rank
Total interest income	$3,775,000	1,720
Total interest expense	$261,000	2,386
Net interest income	$3,514,000	1,643
Provision for loan and lease losses	$0	3,537
Total noninterest income	$2,488,000	682
Gross Fiduciary activities income	$2,172,000	141
Service charges on deposit accounts	$61,000	3,198
Trading account gains and fees	$0	142
Additional Noninterest Income	$255,000	2,291
Total noninterest expense	$4,754,000	1,115
Salaries and employee benefits	$3,083,000	989
Premises and equipment expense	$858,000	744
Additional noninterest expense	$813,000	1,814
Pre-tax net operating income	$1,248,000	1,667
Securities gains (losses)	$0	1,153
Applicable income taxes	$222,000	1,772
Income before extraordinary items	$1,026,000	1,641
Extraordinary gains, net	$0	8
Net income	$1,026,000	1,641
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,026,000	1,641
Net charge-offs	$124,000	813
Cash dividends	$600,000	1,052
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,026,000	1,621
2016-12-31 (YTD Data)		Rank
Total interest income	$14,129,000	1,790
Total interest expense	$873,000	2,646
Net interest income	$13,256,000	1,699
Provision for loan and lease losses	$0	4,332
Total noninterest income	$9,903,000	706
Gross Fiduciary activities income	$8,315,000	142
Service charges on deposit accounts	$259,000	3,205
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,329,000	2,050
Total noninterest expense	$18,380,000	1,131
Salaries and employee benefits	$11,683,000	1,005
Premises and equipment expense	$3,244,000	767
Additional noninterest expense	$3,453,000	1,741
Pre-tax net operating income	$4,779,000	1,682
Securities gains (losses)	$450,000	473
Applicable income taxes	$1,007,000	1,635
Income before extraordinary items	$4,222,000	1,579
Extraordinary gains, net	$0	5
Net income	$4,222,000	1,577
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,222,000	1,578
Net charge-offs	$6,000	3,984
Cash dividends	$2,400,000	1,214
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$3,857,500	1,657
2016-09-30 (YTD Data)		Rank
Total interest income	$10,485,000	1,810
Total interest expense	$651,000	2,665
Net interest income	$9,834,000	1,720
Provision for loan and lease losses	$0	4,186
Total noninterest income	$7,415,000	700
Gross Fiduciary activities income	$6,211,000	141
Service charges on deposit accounts	$197,000	3,198
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,007,000	2,035
Total noninterest expense	$13,629,000	1,141
Salaries and employee benefits	$8,651,000	1,013
Premises and equipment expense	$2,425,000	772
Additional noninterest expense	$2,553,000	1,763
Pre-tax net operating income	$3,620,000	1,684
Securities gains (losses)	$376,000	515
Applicable income taxes	$783,000	1,644
Income before extraordinary items	$3,213,000	1,586
Extraordinary gains, net	$0	5
Net income	$3,213,000	1,586
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,213,000	1,586
Net charge-offs	$8,000	3,492
Cash dividends	$1,800,000	1,127
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,912,200	1,677
2016-06-30 (YTD Data)		Rank
Total interest income	$6,903,000	1,848
Total interest expense	$425,000	2,716
Net interest income	$6,478,000	1,741
Provision for loan and lease losses	$0	4,017
Total noninterest income	$4,940,000	689
Gross Fiduciary activities income	$4,107,000	143
Service charges on deposit accounts	$138,000	3,093
Trading account gains and fees	$0	157
Additional Noninterest Income	$695,000	1,961
Total noninterest expense	$9,097,000	1,143
Salaries and employee benefits	$5,750,000	1,016
Premises and equipment expense	$1,608,000	778
Additional noninterest expense	$1,739,000	1,741
Pre-tax net operating income	$2,321,000	1,740
Securities gains (losses)	$292,000	435
Applicable income taxes	$491,000	1,675
Income before extraordinary items	$2,122,000	1,572
Extraordinary gains, net	$0	16
Net income	$2,122,000	1,572
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,122,000	1,572
Net charge-offs	$15,000	2,919
Cash dividends	$1,200,000	1,138
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,885,480	1,708
2016-03-31 (YTD Data)		Rank
Total interest income	$3,412,000	1,866
Total interest expense	$214,000	2,718
Net interest income	$3,198,000	1,757
Provision for loan and lease losses	$0	3,656
Total noninterest income	$2,408,000	687
Gross Fiduciary activities income	$2,010,000	141
Service charges on deposit accounts	$67,000	3,130
Trading account gains and fees	$0	142
Additional Noninterest Income	$331,000	1,977
Total noninterest expense	$4,547,000	1,144
Salaries and employee benefits	$2,848,000	1,030
Premises and equipment expense	$794,000	794
Additional noninterest expense	$905,000	1,676
Pre-tax net operating income	$1,059,000	1,839
Securities gains (losses)	$188,000	314
Applicable income taxes	$217,000	1,763
Income before extraordinary items	$1,030,000	1,578
Extraordinary gains, net	$0	12
Net income	$1,030,000	1,578
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,030,000	1,579
Net charge-offs	$12,000	2,244
Cash dividends	$600,000	1,065
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$873,960	1,791
2015-12-31 (YTD Data)		Rank
Total interest income	$13,722,000	1,805
Total interest expense	$895,000	2,621
Net interest income	$12,827,000	1,707
Provision for loan and lease losses	$0	4,380
Total noninterest income	$10,110,000	673
Gross Fiduciary activities income	$8,437,000	140
Service charges on deposit accounts	$284,000	3,138
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,389,000	1,950
Total noninterest expense	$17,678,000	1,140
Salaries and employee benefits	$11,122,000	1,018
Premises and equipment expense	$3,233,000	758
Additional noninterest expense	$3,323,000	1,815
Pre-tax net operating income	$5,259,000	1,514
Securities gains (losses)	$52,000	1,623
Applicable income taxes	$1,113,000	1,503
Income before extraordinary items	$4,198,000	1,544
Extraordinary gains, net	$0	23
Net income	$4,198,000	1,544
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,198,000	1,544
Net charge-offs	$38,000	3,436
Cash dividends	$2,400,000	1,178
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$4,156,920	1,525
2015-09-30 (YTD Data)		Rank
Total interest income	$10,279,000	1,824
Total interest expense	$637,000	2,741
Net interest income	$9,642,000	1,715
Provision for loan and lease losses	$0	4,232
Total noninterest income	$7,652,000	677
Gross Fiduciary activities income	$6,383,000	139
Service charges on deposit accounts	$215,000	3,138
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,054,000	1,958
Total noninterest expense	$13,156,000	1,152
Salaries and employee benefits	$8,220,000	1,038
Premises and equipment expense	$2,442,000	765
Additional noninterest expense	$2,494,000	1,818
Pre-tax net operating income	$4,138,000	1,481
Securities gains (losses)	$64,000	1,303
Applicable income taxes	$913,000	1,456
Income before extraordinary items	$3,289,000	1,518
Extraordinary gains, net	$0	21
Net income	$3,289,000	1,519
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,289,000	1,519
Net charge-offs	$11,000	3,615
Cash dividends	$1,800,000	1,071
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$3,239,080	1,498
2015-06-30 (YTD Data)		Rank
Total interest income	$6,901,000	1,814
Total interest expense	$425,000	2,757
Net interest income	$6,476,000	1,706
Provision for loan and lease losses	$0	4,069
Total noninterest income	$5,121,000	675
Gross Fiduciary activities income	$4,272,000	143
Service charges on deposit accounts	$139,000	3,169
Trading account gains and fees	$0	157
Additional Noninterest Income	$710,000	1,948
Total noninterest expense	$8,771,000	1,152
Salaries and employee benefits	$5,425,000	1,049
Premises and equipment expense	$1,660,000	760
Additional noninterest expense	$1,686,000	1,803
Pre-tax net operating income	$2,826,000	1,447
Securities gains (losses)	$0	2,636
Applicable income taxes	$618,000	1,444
Income before extraordinary items	$2,208,000	1,504
Extraordinary gains, net	$0	22
Net income	$2,208,000	1,506
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,208,000	1,506
Net charge-offs	$111,000	1,640
Cash dividends	$1,200,000	1,062
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,208,000	1,466
2015-03-31 (YTD Data)		Rank
Total interest income	$3,536,000	1,759
Total interest expense	$215,000	2,743
Net interest income	$3,321,000	1,665
Provision for loan and lease losses	$0	3,703
Total noninterest income	$2,480,000	667
Gross Fiduciary activities income	$2,093,000	142
Service charges on deposit accounts	$72,000	3,080
Trading account gains and fees	$0	152
Additional Noninterest Income	$315,000	2,057
Total noninterest expense	$4,294,000	1,184
Salaries and employee benefits	$2,676,000	1,066
Premises and equipment expense	$842,000	756
Additional noninterest expense	$776,000	1,926
Pre-tax net operating income	$1,507,000	1,330
Securities gains (losses)	$0	2,027
Applicable income taxes	$360,000	1,274
Income before extraordinary items	$1,147,000	1,423
Extraordinary gains, net	$0	13
Net income	$1,147,000	1,426
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,147,000	1,425
Net charge-offs	$0	3,288
Cash dividends	$600,000	972
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,147,000	1,377
2014-12-31 (YTD Data)		Rank
Total interest income	$13,573,000	1,849
Total interest expense	$848,000	2,917
Net interest income	$12,725,000	1,726
Provision for loan and lease losses	$0	4,603
Total noninterest income	$9,728,000	661
Gross Fiduciary activities income	$8,169,000	138
Service charges on deposit accounts	$313,000	3,129
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,246,000	2,020
Total noninterest expense	$17,529,000	1,152
Salaries and employee benefits	$10,884,000	990
Premises and equipment expense	$3,140,000	791
Additional noninterest expense	$3,505,000	1,772
Pre-tax net operating income	$4,924,000	1,544
Securities gains (losses)	$230,000	748
Applicable income taxes	$1,098,000	1,459
Income before extraordinary items	$4,056,000	1,575
Extraordinary gains, net	$0	17
Net income	$4,056,000	1,573
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,056,000	1,574
Net charge-offs	$-180,000	6,231
Cash dividends	$2,400,000	1,111
Sale, conversion, retirement of capital stock, net	$250,000	399
Net operating income	$3,874,300	1,600
2014-09-30 (YTD Data)		Rank
Total interest income	$10,141,000	1,861
Total interest expense	$646,000	2,934
Net interest income	$9,495,000	1,745
Provision for loan and lease losses	$0	4,401
Total noninterest income	$7,308,000	652
Gross Fiduciary activities income	$6,132,000	137
Service charges on deposit accounts	$238,000	3,130
Trading account gains and fees	$0	174
Additional Noninterest Income	$938,000	2,031
Total noninterest expense	$13,053,000	1,163
Salaries and employee benefits	$8,010,000	1,018
Premises and equipment expense	$2,343,000	800
Additional noninterest expense	$2,700,000	1,713
Pre-tax net operating income	$3,750,000	1,534
Securities gains (losses)	$220,000	607
Applicable income taxes	$916,000	1,385
Income before extraordinary items	$3,054,000	1,552
Extraordinary gains, net	$0	15
Net income	$3,054,000	1,552
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,054,000	1,552
Net charge-offs	$69,000	3,016
Cash dividends	$1,800,000	1,028
Sale, conversion, retirement of capital stock, net	$144,000	398
Net operating income	$2,884,600	1,610
2014-06-30 (YTD Data)		Rank
Total interest income	$6,710,000	1,874
Total interest expense	$415,000	3,053
Net interest income	$6,295,000	1,748
Provision for loan and lease losses	$0	4,196
Total noninterest income	$4,839,000	650
Gross Fiduciary activities income	$4,055,000	140
Service charges on deposit accounts	$156,000	3,147
Trading account gains and fees	$0	172
Additional Noninterest Income	$628,000	1,988
Total noninterest expense	$8,746,000	1,162
Salaries and employee benefits	$5,340,000	1,011
Premises and equipment expense	$1,565,000	799
Additional noninterest expense	$1,841,000	1,678
Pre-tax net operating income	$2,388,000	1,560
Securities gains (losses)	$111,000	733
Applicable income taxes	$537,000	1,478
Income before extraordinary items	$1,962,000	1,570
Extraordinary gains, net	$0	20
Net income	$1,962,000	1,573
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,962,000	1,572
Net charge-offs	$33,000	3,108
Cash dividends	$1,200,000	1,001
Sale, conversion, retirement of capital stock, net	$36,000	520
Net operating income	$1,874,310	1,592
2014-03-31 (YTD Data)		Rank
Total interest income	$3,340,000	1,868
Total interest expense	$192,000	3,263
Net interest income	$3,148,000	1,732
Provision for loan and lease losses	$0	3,817
Total noninterest income	$2,342,000	643
Gross Fiduciary activities income	$2,002,000	139
Service charges on deposit accounts	$80,000	3,076
Trading account gains and fees	$0	147
Additional Noninterest Income	$260,000	2,206
Total noninterest expense	$4,307,000	1,184
Salaries and employee benefits	$2,577,000	1,068
Premises and equipment expense	$799,000	798
Additional noninterest expense	$931,000	1,649
Pre-tax net operating income	$1,183,000	1,533
Securities gains (losses)	$0	1,715
Applicable income taxes	$236,000	1,559
Income before extraordinary items	$947,000	1,563
Extraordinary gains, net	$0	16
Net income	$947,000	1,566
Minority interest net income	$0	66
Net income of bank and minority interests.	$947,000	1,566
Net charge-offs	$35,000	2,123
Cash dividends	$600,000	900
Sale, conversion, retirement of capital stock, net	$59,000	328
Net operating income	$947,000	1,537
2013-12-31 (YTD Data)		Rank
Total interest income	$12,327,000	2,012
Total interest expense	$836,000	3,344
Net interest income	$11,491,000	1,866
Provision for loan and lease losses	$0	5,091
Total noninterest income	$9,257,000	721
Gross Fiduciary activities income	$7,579,000	140
Service charges on deposit accounts	$340,000	3,145
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,338,000	1,992
Total noninterest expense	$16,576,000	1,225
Salaries and employee benefits	$10,105,000	1,075
Premises and equipment expense	$3,001,000	813
Additional noninterest expense	$3,470,000	1,837
Pre-tax net operating income	$4,172,000	1,667
Securities gains (losses)	$-199,000	6,621
Applicable income taxes	$922,000	1,544
Income before extraordinary items	$3,051,000	1,874
Extraordinary gains, net	$0	29
Net income	$3,051,000	1,877
Minority interest net income	$0	90
Net income of bank and minority interests.	$3,051,000	1,877
Net charge-offs	$91,000	3,831
Cash dividends	$2,080,000	1,168
Sale, conversion, retirement of capital stock, net	$179,000	451
Net operating income	$3,204,230	1,775
2013-09-30 (YTD Data)		Rank
Total interest income	$9,123,000	2,037
Total interest expense	$652,000	3,344
Net interest income	$8,471,000	1,896
Provision for loan and lease losses	$0	4,941
Total noninterest income	$6,963,000	730
Gross Fiduciary activities income	$5,634,000	138
Service charges on deposit accounts	$249,000	3,192
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,080,000	1,939
Total noninterest expense	$12,353,000	1,232
Salaries and employee benefits	$7,568,000	1,078
Premises and equipment expense	$2,234,000	825
Additional noninterest expense	$2,551,000	1,858
Pre-tax net operating income	$3,081,000	1,699
Securities gains (losses)	$39,000	1,833
Applicable income taxes	$766,000	1,492
Income before extraordinary items	$2,354,000	1,868
Extraordinary gains, net	$0	25
Net income	$2,354,000	1,873
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,354,000	1,873
Net charge-offs	$-60,000	6,501
Cash dividends	$1,560,000	1,066
Sale, conversion, retirement of capital stock, net	$107,000	452
Net operating income	$2,324,750	1,834
2013-06-30 (YTD Data)		Rank
Total interest income	$6,069,000	2,038
Total interest expense	$447,000	3,340
Net interest income	$5,622,000	1,895
Provision for loan and lease losses	$0	4,788
Total noninterest income	$4,672,000	732
Gross Fiduciary activities income	$3,743,000	138
Service charges on deposit accounts	$162,000	3,220
Trading account gains and fees	$0	157
Additional Noninterest Income	$767,000	1,901
Total noninterest expense	$8,292,000	1,224
Salaries and employee benefits	$5,029,000	1,080
Premises and equipment expense	$1,475,000	835
Additional noninterest expense	$1,788,000	1,770
Pre-tax net operating income	$2,002,000	1,717
Securities gains (losses)	$38,000	1,690
Applicable income taxes	$464,000	1,594
Income before extraordinary items	$1,576,000	1,849
Extraordinary gains, net	$0	22
Net income	$1,576,000	1,854
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,576,000	1,855
Net charge-offs	$-25,000	6,377
Cash dividends	$1,040,000	1,046
Sale, conversion, retirement of capital stock, net	$32,000	547
Net operating income	$1,546,740	1,811
2013-03-31 (YTD Data)		Rank
Total interest income	$3,029,000	2,059
Total interest expense	$230,000	3,359
Net interest income	$2,799,000	1,902
Provision for loan and lease losses	$0	4,409
Total noninterest income	$2,296,000	738
Gross Fiduciary activities income	$1,816,000	138
Service charges on deposit accounts	$82,000	3,192
Trading account gains and fees	$0	148
Additional Noninterest Income	$398,000	1,873
Total noninterest expense	$4,109,000	1,241
Salaries and employee benefits	$2,485,000	1,099
Premises and equipment expense	$728,000	863
Additional noninterest expense	$896,000	1,776
Pre-tax net operating income	$986,000	1,731
Securities gains (losses)	$7,000	1,580
Applicable income taxes	$229,000	1,579
Income before extraordinary items	$764,000	1,859
Extraordinary gains, net	$0	10
Net income	$764,000	1,860
Minority interest net income	$0	76
Net income of bank and minority interests.	$764,000	1,861
Net charge-offs	$-9,000	6,154
Cash dividends	$520,000	906
Sale, conversion, retirement of capital stock, net	$42,000	362
Net operating income	$758,610	1,800
2012-12-31 (YTD Data)		Rank
Total interest income	$12,628,000	2,073
Total interest expense	$1,474,000	2,758
Net interest income	$11,154,000	1,958
Provision for loan and lease losses	$0	5,905
Total noninterest income	$9,108,000	727
Gross Fiduciary activities income	$6,990,000	143
Service charges on deposit accounts	$339,000	3,253
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,779,000	1,657
Total noninterest expense	$16,745,000	1,212
Salaries and employee benefits	$9,482,000	1,108
Premises and equipment expense	$2,933,000	827
Additional noninterest expense	$4,330,000	1,556
Pre-tax net operating income	$3,517,000	1,815
Securities gains (losses)	$174,000	1,821
Applicable income taxes	$816,000	1,667
Income before extraordinary items	$2,875,000	1,932
Extraordinary gains, net	$0	29
Net income	$2,875,000	1,931
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,875,000	1,933
Net charge-offs	$51,000	4,906
Cash dividends	$2,080,000	1,174
Sale, conversion, retirement of capital stock, net	$226,000	424
Net operating income	$2,739,280	1,909
2012-09-30 (YTD Data)		Rank
Total interest income	$9,379,000	2,132
Total interest expense	$1,170,000	2,732
Net interest income	$8,209,000	2,024
Provision for loan and lease losses	$0	5,790
Total noninterest income	$6,824,000	731
Gross Fiduciary activities income	$5,219,000	142
Service charges on deposit accounts	$253,000	3,302
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,352,000	1,633
Total noninterest expense	$12,231,000	1,234
Salaries and employee benefits	$7,071,000	1,106
Premises and equipment expense	$2,211,000	820
Additional noninterest expense	$2,949,000	1,699
Pre-tax net operating income	$2,802,000	1,785
Securities gains (losses)	$174,000	1,547
Applicable income taxes	$770,000	1,479
Income before extraordinary items	$2,206,000	1,931
Extraordinary gains, net	$0	20
Net income	$2,206,000	1,930
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,206,000	1,932
Net charge-offs	$51,000	4,492
Cash dividends	$1,560,000	963
Sale, conversion, retirement of capital stock, net	$163,000	371
Net operating income	$2,077,240	1,922
2012-06-30 (YTD Data)		Rank
Total interest income	$6,252,000	2,138
Total interest expense	$820,000	2,718
Net interest income	$5,432,000	2,039
Provision for loan and lease losses	$0	5,619
Total noninterest income	$4,597,000	729
Gross Fiduciary activities income	$3,494,000	143
Service charges on deposit accounts	$169,000	3,277
Trading account gains and fees	$0	153
Additional Noninterest Income	$934,000	1,584
Total noninterest expense	$8,201,000	1,226
Salaries and employee benefits	$4,695,000	1,109
Premises and equipment expense	$1,466,000	827
Additional noninterest expense	$2,040,000	1,641
Pre-tax net operating income	$1,828,000	1,803
Securities gains (losses)	$158,000	1,281
Applicable income taxes	$503,000	1,482
Income before extraordinary items	$1,483,000	1,902
Extraordinary gains, net	$0	19
Net income	$1,483,000	1,901
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,483,000	1,902
Net charge-offs	$-53,000	6,994
Cash dividends	$1,040,000	931
Sale, conversion, retirement of capital stock, net	$105,000	359
Net operating income	$1,364,500	1,943
2012-03-31 (YTD Data)		Rank
Total interest income	$3,156,000	2,138
Total interest expense	$433,000	2,688
Net interest income	$2,723,000	2,032
Provision for loan and lease losses	$0	5,254
Total noninterest income	$2,190,000	743
Gross Fiduciary activities income	$1,722,000	140
Service charges on deposit accounts	$83,000	3,304
Trading account gains and fees	$0	148
Additional Noninterest Income	$385,000	1,801
Total noninterest expense	$4,008,000	1,248
Salaries and employee benefits	$2,289,000	1,139
Premises and equipment expense	$737,000	821
Additional noninterest expense	$982,000	1,693
Pre-tax net operating income	$905,000	1,826
Securities gains (losses)	$158,000	699
Applicable income taxes	$264,000	1,429
Income before extraordinary items	$799,000	1,800
Extraordinary gains, net	$0	19
Net income	$799,000	1,801
Minority interest net income	$0	78
Net income of bank and minority interests.	$799,000	1,801
Net charge-offs	$13,000	3,918
Cash dividends	$520,000	829
Sale, conversion, retirement of capital stock, net	$49,000	322
Net operating income	$680,500	1,952
2011-12-31 (YTD Data)		Rank
Total interest income	$13,455,000	2,077
Total interest expense	$2,013,000	2,767
Net interest income	$11,442,000	1,921
Provision for loan and lease losses	$675,000	2,995
Total noninterest income	$8,534,000	705
Gross Fiduciary activities income	$6,856,000	123
Service charges on deposit accounts	$356,000	3,269
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,322,000	1,783
Total noninterest expense	$16,220,000	1,213
Salaries and employee benefits	$9,615,000	1,014
Premises and equipment expense	$2,839,000	887
Additional noninterest expense	$3,766,000	1,789
Pre-tax net operating income	$3,081,000	1,783
Securities gains (losses)	$313,000	1,105
Applicable income taxes	$754,000	1,612
Income before extraordinary items	$2,640,000	1,800
Extraordinary gains, net	$0	29
Net income	$2,640,000	1,801
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,640,000	1,801
Net charge-offs	$1,274,000	2,084
Cash dividends	$2,080,000	928
Sale, conversion, retirement of capital stock, net	$248,000	507
Net operating income	$2,395,860	1,851
2011-09-30 (YTD Data)		Rank
Total interest income	$10,212,000	2,079
Total interest expense	$1,570,000	2,778
Net interest income	$8,642,000	1,909
Provision for loan and lease losses	$575,000	2,680
Total noninterest income	$6,505,000	684
Gross Fiduciary activities income	$5,213,000	122
Service charges on deposit accounts	$270,000	3,234
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,022,000	1,747
Total noninterest expense	$12,239,000	1,206
Salaries and employee benefits	$7,310,000	1,004
Premises and equipment expense	$2,111,000	900
Additional noninterest expense	$2,818,000	1,802
Pre-tax net operating income	$2,333,000	1,840
Securities gains (losses)	$296,000	935
Applicable income taxes	$688,000	1,437
Income before extraordinary items	$1,941,000	1,885
Extraordinary gains, net	$0	21
Net income	$1,941,000	1,885
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,941,000	1,885
Net charge-offs	$1,287,000	1,654
Cash dividends	$1,560,000	805
Sale, conversion, retirement of capital stock, net	$192,000	457
Net operating income	$1,721,960	1,974
2011-06-30 (YTD Data)		Rank
Total interest income	$6,925,000	2,053
Total interest expense	$1,088,000	2,773
Net interest income	$5,837,000	1,893
Provision for loan and lease losses	$425,000	2,517
Total noninterest income	$4,412,000	683
Gross Fiduciary activities income	$3,506,000	127
Service charges on deposit accounts	$181,000	3,207
Trading account gains and fees	$0	153
Additional Noninterest Income	$725,000	1,679
Total noninterest expense	$8,277,000	1,207
Salaries and employee benefits	$4,943,000	1,002
Premises and equipment expense	$1,406,000	914
Additional noninterest expense	$1,928,000	1,783
Pre-tax net operating income	$1,547,000	1,838
Securities gains (losses)	$296,000	556
Applicable income taxes	$484,000	1,351
Income before extraordinary items	$1,359,000	1,758
Extraordinary gains, net	$0	15
Net income	$1,359,000	1,758
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,359,000	1,758
Net charge-offs	$846,000	1,616
Cash dividends	$1,040,000	789
Sale, conversion, retirement of capital stock, net	$119,000	386
Net operating income	$1,139,960	1,967
2011-03-31 (YTD Data)		Rank
Total interest income	$3,522,000	2,040
Total interest expense	$557,000	2,802
Net interest income	$2,965,000	1,864
Provision for loan and lease losses	$0	5,840
Total noninterest income	$2,172,000	691
Gross Fiduciary activities income	$1,748,000	125
Service charges on deposit accounts	$90,000	3,191
Trading account gains and fees	$0	158
Additional Noninterest Income	$334,000	1,779
Total noninterest expense	$4,058,000	1,231
Salaries and employee benefits	$2,476,000	1,009
Premises and equipment expense	$727,000	910
Additional noninterest expense	$855,000	1,981
Pre-tax net operating income	$1,079,000	1,342
Securities gains (losses)	$23,000	1,043
Applicable income taxes	$291,000	1,145
Income before extraordinary items	$811,000	1,471
Extraordinary gains, net	$0	9
Net income	$811,000	1,471
Minority interest net income	$0	86
Net income of bank and minority interests.	$811,000	1,471
Net charge-offs	$-114,000	7,459
Cash dividends	$520,000	707
Sale, conversion, retirement of capital stock, net	$45,000	371
Net operating income	$793,980	1,450
2010-12-31 (YTD Data)		Rank
Total interest income	$14,973,000	2,015
Total interest expense	$2,907,000	2,674
Net interest income	$12,066,000	1,821
Provision for loan and lease losses	$450,000	4,287
Total noninterest income	$7,969,000	753
Gross Fiduciary activities income	$6,052,000	129
Service charges on deposit accounts	$402,000	3,068
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,515,000	1,693
Total noninterest expense	$16,097,000	1,248
Salaries and employee benefits	$9,450,000	1,038
Premises and equipment expense	$2,804,000	911
Additional noninterest expense	$3,843,000	1,867
Pre-tax net operating income	$3,488,000	1,429
Securities gains (losses)	$24,000	3,022
Applicable income taxes	$948,000	1,275
Income before extraordinary items	$2,564,000	1,605
Extraordinary gains, net	$0	29
Net income	$2,564,000	1,605
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,564,000	1,607
Net charge-offs	$490,000	3,681
Cash dividends	$1,682,000	962
Sale, conversion, retirement of capital stock, net	$213,000	613
Net operating income	$2,546,480	1,559
2010-09-30 (YTD Data)		Rank
Total interest income	$11,331,000	2,042
Total interest expense	$2,276,000	2,669
Net interest income	$9,055,000	1,853
Provision for loan and lease losses	$450,000	3,704
Total noninterest income	$5,906,000	743
Gross Fiduciary activities income	$4,500,000	129
Service charges on deposit accounts	$313,000	3,067
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,093,000	1,710
Total noninterest expense	$11,889,000	1,254
Salaries and employee benefits	$6,980,000	1,048
Premises and equipment expense	$2,101,000	920
Additional noninterest expense	$2,808,000	1,865
Pre-tax net operating income	$2,622,000	1,505
Securities gains (losses)	$19,000	2,905
Applicable income taxes	$686,000	1,358
Income before extraordinary items	$1,955,000	1,685
Extraordinary gains, net	$0	23
Net income	$1,955,000	1,689
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,955,000	1,689
Net charge-offs	$497,000	3,090
Cash dividends	$1,162,000	924
Sale, conversion, retirement of capital stock, net	$153,000	552
Net operating income	$1,940,940	1,614
2010-06-30 (YTD Data)		Rank
Total interest income	$7,649,000	2,041
Total interest expense	$1,548,000	2,716
Net interest income	$6,101,000	1,841
Provision for loan and lease losses	$300,000	3,591
Total noninterest income	$3,949,000	734
Gross Fiduciary activities income	$2,987,000	129
Service charges on deposit accounts	$207,000	3,092
Trading account gains and fees	$0	152
Additional Noninterest Income	$755,000	1,587
Total noninterest expense	$7,965,000	1,244
Salaries and employee benefits	$4,636,000	1,054
Premises and equipment expense	$1,409,000	928
Additional noninterest expense	$1,920,000	1,833
Pre-tax net operating income	$1,785,000	1,461
Securities gains (losses)	$-42,000	7,424
Applicable income taxes	$427,000	1,381
Income before extraordinary items	$1,316,000	1,666
Extraordinary gains, net	$0	19
Net income	$1,316,000	1,665
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,316,000	1,666
Net charge-offs	$36,000	5,141
Cash dividends	$642,000	1,071
Sale, conversion, retirement of capital stock, net	$94,000	493
Net operating income	$1,347,920	1,555
2010-03-31 (YTD Data)		Rank
Total interest income	$3,892,000	2,054
Total interest expense	$797,000	2,762
Net interest income	$3,095,000	1,832
Provision for loan and lease losses	$150,000	3,336
Total noninterest income	$1,884,000	757
Gross Fiduciary activities income	$1,452,000	131
Service charges on deposit accounts	$102,000	3,111
Trading account gains and fees	$0	175
Additional Noninterest Income	$330,000	1,733
Total noninterest expense	$3,936,000	1,273
Salaries and employee benefits	$2,303,000	1,072
Premises and equipment expense	$710,000	952
Additional noninterest expense	$923,000	1,861
Pre-tax net operating income	$893,000	1,464
Securities gains (losses)	$0	2,284
Applicable income taxes	$218,000	1,343
Income before extraordinary items	$675,000	1,618
Extraordinary gains, net	$0	16
Net income	$675,000	1,620
Minority interest net income	$0	91
Net income of bank and minority interests.	$675,000	1,620
Net charge-offs	$-6,000	7,353
Cash dividends	$320,000	1,020
Sale, conversion, retirement of capital stock, net	$35,000	505
Net operating income	$675,000	1,556
2009-12-31 (YTD Data)		Rank
Total interest income	$16,809,000	2,018
Total interest expense	$4,294,000	2,577
Net interest income	$12,515,000	1,776
Provision for loan and lease losses	$2,250,000	2,327
Total noninterest income	$7,211,000	821
Gross Fiduciary activities income	$5,125,000	140
Service charges on deposit accounts	$477,000	2,996
Trading account gains and fees	$0	211
Additional Noninterest Income	$1,609,000	1,586
Total noninterest expense	$15,015,000	1,364
Salaries and employee benefits	$8,468,000	1,154
Premises and equipment expense	$2,708,000	999
Additional noninterest expense	$3,839,000	1,915
Pre-tax net operating income	$2,461,000	1,599
Securities gains (losses)	$0	3,754
Applicable income taxes	$601,000	1,381
Income before extraordinary items	$1,860,000	1,792
Extraordinary gains, net	$0	34
Net income	$1,860,000	1,790
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,860,000	1,792
Net charge-offs	$830,000	3,125
Cash dividends	$1,276,000	1,350
Sale, conversion, retirement of capital stock, net	$137,000	815
Net operating income	$1,860,000	1,754
2009-09-30 (YTD Data)		Rank
Total interest income	$12,841,000	2,014
Total interest expense	$3,396,000	2,571
Net interest income	$9,445,000	1,776
Provision for loan and lease losses	$2,050,000	1,871
Total noninterest income	$5,135,000	859
Gross Fiduciary activities income	$3,711,000	145
Service charges on deposit accounts	$361,000	2,990
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,063,000	1,747
Total noninterest expense	$10,743,000	1,422
Salaries and employee benefits	$6,135,000	1,221
Premises and equipment expense	$1,882,000	1,101
Additional noninterest expense	$2,726,000	1,943
Pre-tax net operating income	$1,787,000	1,779
Securities gains (losses)	$0	3,497
Applicable income taxes	$496,000	1,412
Income before extraordinary items	$1,291,000	2,056
Extraordinary gains, net	$0	27
Net income	$1,291,000	2,055
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,291,000	2,056
Net charge-offs	$334,000	3,559
Cash dividends	$956,000	1,312
Sale, conversion, retirement of capital stock, net	$96,000	763
Net operating income	$1,291,000	2,016
2009-06-30 (YTD Data)		Rank
Total interest income	$8,773,000	2,000
Total interest expense	$2,347,000	2,588
Net interest income	$6,426,000	1,739
Provision for loan and lease losses	$1,550,000	1,623
Total noninterest income	$3,326,000	891
Gross Fiduciary activities income	$2,376,000	147
Service charges on deposit accounts	$237,000	2,982
Trading account gains and fees	$0	193
Additional Noninterest Income	$713,000	1,790
Total noninterest expense	$6,913,000	1,500
Salaries and employee benefits	$3,894,000	1,317
Premises and equipment expense	$1,247,000	1,124
Additional noninterest expense	$1,772,000	2,008
Pre-tax net operating income	$1,289,000	1,721
Securities gains (losses)	$0	3,136
Applicable income taxes	$356,000	1,376
Income before extraordinary items	$933,000	1,959
Extraordinary gains, net	$0	21
Net income	$933,000	1,957
Minority interest net income	$0	112
Net income of bank and minority interests.	$933,000	1,958
Net charge-offs	$284,000	3,001
Cash dividends	$637,000	1,354
Sale, conversion, retirement of capital stock, net	$56,000	767
Net operating income	$933,000	1,898
2009-03-31 (YTD Data)		Rank
Total interest income	$4,414,000	2,011
Total interest expense	$1,213,000	2,606
Net interest income	$3,201,000	1,727
Provision for loan and lease losses	$950,000	1,229
Total noninterest income	$1,571,000	906
Gross Fiduciary activities income	$1,164,000	147
Service charges on deposit accounts	$121,000	2,875
Trading account gains and fees	$0	171
Additional Noninterest Income	$286,000	2,026
Total noninterest expense	$3,185,000	1,582
Salaries and employee benefits	$1,850,000	1,417
Premises and equipment expense	$585,000	1,221
Additional noninterest expense	$750,000	2,098
Pre-tax net operating income	$637,000	1,958
Securities gains (losses)	$0	2,434
Applicable income taxes	$191,000	1,505
Income before extraordinary items	$446,000	2,343
Extraordinary gains, net	$0	15
Net income	$446,000	2,343
Minority interest net income	$0	102
Net income of bank and minority interests.	$446,000	2,345
Net charge-offs	$-11,000	7,884
Cash dividends	$317,000	1,306
Sale, conversion, retirement of capital stock, net	$15,000	814
Net operating income	$446,000	2,209
2008-12-31 (YTD Data)		Rank
Total interest income	$18,507,000	2,063
Total interest expense	$5,615,000	2,666
Net interest income	$12,892,000	1,728
Provision for loan and lease losses	$3,123,000	1,347
Total noninterest income	$6,470,000	857
Gross Fiduciary activities income	$4,895,000	154
Service charges on deposit accounts	$532,000	2,878
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,043,000	2,063
Total noninterest expense	$13,119,000	1,485
Salaries and employee benefits	$7,234,000	1,416
Premises and equipment expense	$2,576,000	1,088
Additional noninterest expense	$3,309,000	1,856
Pre-tax net operating income	$3,120,000	1,734
Securities gains (losses)	$0	3,220
Applicable income taxes	$1,058,000	1,151
Income before extraordinary items	$2,062,000	1,932
Extraordinary gains, net	$0	39
Net income	$2,062,000	1,934
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,558,000	1,513
Cash dividends	$1,362,000	1,860
Sale, conversion, retirement of capital stock, net	$158,000	844
Net operating income	$2,062,000	2,056
2008-09-30 (YTD Data)		Rank
Total interest income	$13,949,000	2,099
Total interest expense	$4,279,000	2,732
Net interest income	$9,670,000	1,740
Provision for loan and lease losses	$800,000	2,099
Total noninterest income	$4,935,000	885
Gross Fiduciary activities income	$3,772,000	155
Service charges on deposit accounts	$394,000	2,913
Trading account gains and fees	$0	148
Additional Noninterest Income	$769,000	2,167
Total noninterest expense	$9,743,000	1,495
Salaries and employee benefits	$5,462,000	1,428
Premises and equipment expense	$1,939,000	1,084
Additional noninterest expense	$2,342,000	1,885
Pre-tax net operating income	$4,062,000	1,239
Securities gains (losses)	$0	3,106
Applicable income taxes	$1,397,000	896
Income before extraordinary items	$2,665,000	1,388
Extraordinary gains, net	$0	31
Net income	$2,665,000	1,386
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$901,000	1,390
Cash dividends	$1,045,000	1,739
Sale, conversion, retirement of capital stock, net	$123,000	716
Net operating income	$2,665,000	1,458
2008-06-30 (YTD Data)		Rank
Total interest income	$9,288,000	2,120
Total interest expense	$2,943,000	2,756
Net interest income	$6,345,000	1,760
Provision for loan and lease losses	$300,000	2,524
Total noninterest income	$3,316,000	887
Gross Fiduciary activities income	$2,539,000	156
Service charges on deposit accounts	$261,000	2,910
Trading account gains and fees	$0	149
Additional Noninterest Income	$516,000	2,198
Total noninterest expense	$6,382,000	1,518
Salaries and employee benefits	$3,624,000	1,447
Premises and equipment expense	$1,249,000	1,116
Additional noninterest expense	$1,509,000	1,913
Pre-tax net operating income	$2,979,000	1,198
Securities gains (losses)	$0	3,233
Applicable income taxes	$1,063,000	899
Income before extraordinary items	$1,916,000	1,446
Extraordinary gains, net	$0	21
Net income	$1,916,000	1,447
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$534,000	1,253
Cash dividends	$728,000	1,811
Sale, conversion, retirement of capital stock, net	$108,000	560
Net operating income	$1,916,000	1,416
2008-03-31 (YTD Data)		Rank
Total interest income	$4,764,000	2,127
Total interest expense	$1,594,000	2,729
Net interest income	$3,170,000	1,761
Provision for loan and lease losses	$120,000	2,457
Total noninterest income	$1,598,000	922
Gross Fiduciary activities income	$1,262,000	157
Service charges on deposit accounts	$208,000	2,006
Trading account gains and fees	$0	158
Additional Noninterest Income	$128,000	3,321
Total noninterest expense	$3,122,000	1,536
Salaries and employee benefits	$1,779,000	1,497
Premises and equipment expense	$587,000	1,180
Additional noninterest expense	$756,000	1,863
Pre-tax net operating income	$1,526,000	1,239
Securities gains (losses)	$0	2,688
Applicable income taxes	$547,000	934
Income before extraordinary items	$979,000	1,528
Extraordinary gains, net	$0	15
Net income	$979,000	1,531
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$304,000	971
Cash dividends	$316,000	1,820
Sale, conversion, retirement of capital stock, net	$78,000	367
Net operating income	$979,000	1,468
2007-12-31 (YTD Data)		Rank
Total interest income	$19,951,000	2,094
Total interest expense	$7,471,000	2,467
Net interest income	$12,480,000	1,817
Provision for loan and lease losses	$705,000	1,839
Total noninterest income	$6,754,000	858
Gross Fiduciary activities income	$5,027,000	158
Service charges on deposit accounts	$574,000	2,770
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,153,000	2,024
Total noninterest expense	$12,226,000	1,512
Salaries and employee benefits	$6,852,000	1,474
Premises and equipment expense	$2,187,000	1,209
Additional noninterest expense	$3,187,000	1,738
Pre-tax net operating income	$6,303,000	1,339
Securities gains (losses)	$0	2,146
Applicable income taxes	$2,391,000	966
Income before extraordinary items	$3,912,000	1,634
Extraordinary gains, net	$0	39
Net income	$3,912,000	1,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$129,000	3,420
Cash dividends	$1,181,000	2,384
Sale, conversion, retirement of capital stock, net	$308,000	641
Net operating income	$3,912,000	1,618
2007-09-30 (YTD Data)		Rank
Total interest income	$14,977,000	2,103
Total interest expense	$5,655,000	2,448
Net interest income	$9,322,000	1,827
Provision for loan and lease losses	$145,000	3,535
Total noninterest income	$5,105,000	856
Gross Fiduciary activities income	$3,733,000	154
Service charges on deposit accounts	$416,000	2,822
Trading account gains and fees	$0	184
Additional Noninterest Income	$956,000	1,887
Total noninterest expense	$9,185,000	1,488
Salaries and employee benefits	$5,159,000	1,468
Premises and equipment expense	$1,565,000	1,267
Additional noninterest expense	$2,461,000	1,657
Pre-tax net operating income	$5,097,000	1,341
Securities gains (losses)	$0	1,655
Applicable income taxes	$1,949,000	979
Income before extraordinary items	$3,148,000	1,610
Extraordinary gains, net	$0	33
Net income	$3,148,000	1,609
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,809
Cash dividends	$885,000	2,195
Sale, conversion, retirement of capital stock, net	$277,000	524
Net operating income	$3,148,000	1,597
2007-06-30 (YTD Data)		Rank
Total interest income	$9,862,000	2,132
Total interest expense	$3,674,000	2,515
Net interest income	$6,188,000	1,853
Provision for loan and lease losses	$100,000	3,268
Total noninterest income	$3,469,000	861
Gross Fiduciary activities income	$2,477,000	163
Service charges on deposit accounts	$271,000	2,862
Trading account gains and fees	$0	168
Additional Noninterest Income	$721,000	1,735
Total noninterest expense	$6,250,000	1,474
Salaries and employee benefits	$3,460,000	1,486
Premises and equipment expense	$1,054,000	1,268
Additional noninterest expense	$1,736,000	1,559
Pre-tax net operating income	$3,307,000	1,420
Securities gains (losses)	$0	1,444
Applicable income taxes	$1,217,000	1,090
Income before extraordinary items	$2,090,000	1,656
Extraordinary gains, net	$0	29
Net income	$2,090,000	1,656
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,333
Cash dividends	$590,000	2,238
Sale, conversion, retirement of capital stock, net	$213,000	437
Net operating income	$2,090,000	1,638
2007-03-31 (YTD Data)		Rank
Total interest income	$4,781,000	2,182
Total interest expense	$1,726,000	2,648
Net interest income	$3,055,000	1,890
Provision for loan and lease losses	$55,000	2,982
Total noninterest income	$1,714,000	849
Gross Fiduciary activities income	$1,211,000	161
Service charges on deposit accounts	$134,000	2,839
Trading account gains and fees	$0	195
Additional Noninterest Income	$369,000	1,694
Total noninterest expense	$3,172,000	1,458
Salaries and employee benefits	$1,700,000	1,521
Premises and equipment expense	$506,000	1,327
Additional noninterest expense	$966,000	1,385
Pre-tax net operating income	$1,542,000	1,503
Securities gains (losses)	$0	1,187
Applicable income taxes	$563,000	1,175
Income before extraordinary items	$979,000	1,749
Extraordinary gains, net	$0	22
Net income	$979,000	1,749
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,465
Cash dividends	$294,000	2,048
Sale, conversion, retirement of capital stock, net	$130,000	303
Net operating income	$979,000	1,735
2006-12-31 (YTD Data)		Rank
Total interest income	$17,006,000	2,298
Total interest expense	$4,907,000	3,080
Net interest income	$12,099,000	1,915
Provision for loan and lease losses	$525,000	1,821
Total noninterest income	$6,282,000	907
Gross Fiduciary activities income	$4,411,000	168
Service charges on deposit accounts	$572,000	2,785
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,299,000	1,842
Total noninterest expense	$11,893,000	1,499
Salaries and employee benefits	$6,385,000	1,547
Premises and equipment expense	$2,033,000	1,267
Additional noninterest expense	$3,475,000	1,522
Pre-tax net operating income	$5,963,000	1,611
Securities gains (losses)	$0	1,687
Applicable income taxes	$2,176,000	1,247
Income before extraordinary items	$3,787,000	1,877
Extraordinary gains, net	$0	51
Net income	$3,787,000	1,879
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$124,000	2,851
Cash dividends	$1,091,000	2,428
Sale, conversion, retirement of capital stock, net	$66,000	967
Net operating income	$3,787,000	1,861
2006-09-30 (YTD Data)		Rank
Total interest income	$12,295,000	2,361
Total interest expense	$3,248,000	3,294
Net interest income	$9,047,000	1,939
Provision for loan and lease losses	$440,000	1,570
Total noninterest income	$4,690,000	921
Gross Fiduciary activities income	$3,251,000	175
Service charges on deposit accounts	$422,000	2,837
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,017,000	1,796
Total noninterest expense	$9,015,000	1,490
Salaries and employee benefits	$4,853,000	1,538
Premises and equipment expense	$1,527,000	1,274
Additional noninterest expense	$2,635,000	1,500
Pre-tax net operating income	$4,282,000	1,741
Securities gains (losses)	$0	1,388
Applicable income taxes	$1,484,000	1,402
Income before extraordinary items	$2,798,000	1,948
Extraordinary gains, net	$0	45
Net income	$2,798,000	1,949
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	2,342
Cash dividends	$818,000	2,215
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,798,000	1,932
2006-06-30 (YTD Data)		Rank
Total interest income	$7,838,000	2,422
Total interest expense	$1,830,000	3,621
Net interest income	$6,008,000	1,942
Provision for loan and lease losses	$350,000	1,308
Total noninterest income	$3,038,000	939
Gross Fiduciary activities income	$2,136,000	183
Service charges on deposit accounts	$277,000	2,844
Trading account gains and fees	$0	126
Additional Noninterest Income	$625,000	1,901
Total noninterest expense	$6,025,000	1,493
Salaries and employee benefits	$3,193,000	1,553
Premises and equipment expense	$1,025,000	1,269
Additional noninterest expense	$1,807,000	1,468
Pre-tax net operating income	$2,671,000	1,850
Securities gains (losses)	$0	1,185
Applicable income taxes	$923,000	1,495
Income before extraordinary items	$1,748,000	2,062
Extraordinary gains, net	$0	39
Net income	$1,748,000	2,065
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	2,505
Cash dividends	$545,000	2,254
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,748,000	2,050
2006-03-31 (YTD Data)		Rank
Total interest income	$3,820,000	2,423
Total interest expense	$821,000	3,757
Net interest income	$2,999,000	1,929
Provision for loan and lease losses	$250,000	918
Total noninterest income	$1,479,000	946
Gross Fiduciary activities income	$1,047,000	185
Service charges on deposit accounts	$134,000	2,842
Trading account gains and fees	$0	115
Additional Noninterest Income	$298,000	1,952
Total noninterest expense	$2,964,000	1,520
Salaries and employee benefits	$1,570,000	1,587
Premises and equipment expense	$517,000	1,257
Additional noninterest expense	$877,000	1,499
Pre-tax net operating income	$1,264,000	1,892
Securities gains (losses)	$0	955
Applicable income taxes	$425,000	1,584
Income before extraordinary items	$839,000	2,104
Extraordinary gains, net	$0	21
Net income	$839,000	2,103
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,481
Cash dividends	$272,000	2,069
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$839,000	2,090
2005-12-31 (YTD Data)		Rank
Total interest income	$14,104,000	2,351
Total interest expense	$2,617,000	3,692
Net interest income	$11,487,000	1,927
Provision for loan and lease losses	$780,000	1,290
Total noninterest income	$5,834,000	966
Gross Fiduciary activities income	$3,821,000	187
Service charges on deposit accounts	$624,000	2,579
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,389,000	1,767
Total noninterest expense	$11,354,000	1,511
Salaries and employee benefits	$5,969,000	1,567
Premises and equipment expense	$2,035,000	1,214
Additional noninterest expense	$3,350,000	1,514
Pre-tax net operating income	$5,187,000	1,810
Securities gains (losses)	$0	2,296
Applicable income taxes	$1,748,000	1,519
Income before extraordinary items	$3,439,000	1,992
Extraordinary gains, net	$0	46
Net income	$3,439,000	1,992
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$789,000	812
Cash dividends	$985,000	2,522
Sale, conversion, retirement of capital stock, net	$278,000	606
Net operating income	$3,439,000	1,969
2005-09-30 (YTD Data)		Rank
Total interest income	$10,343,000	2,342
Total interest expense	$1,852,000	3,715
Net interest income	$8,491,000	1,943
Provision for loan and lease losses	$480,000	1,448
Total noninterest income	$4,314,000	980
Gross Fiduciary activities income	$2,828,000	187
Service charges on deposit accounts	$478,000	2,532
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,008,000	1,811
Total noninterest expense	$8,514,000	1,504
Salaries and employee benefits	$4,457,000	1,561
Premises and equipment expense	$1,507,000	1,214
Additional noninterest expense	$2,550,000	1,473
Pre-tax net operating income	$3,811,000	1,835
Securities gains (losses)	$0	2,317
Applicable income taxes	$1,289,000	1,556
Income before extraordinary items	$2,522,000	2,047
Extraordinary gains, net	$0	35
Net income	$2,522,000	2,046
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$778,000	595
Cash dividends	$732,000	2,248
Sale, conversion, retirement of capital stock, net	$221,000	479
Net operating income	$2,522,000	2,012
2005-06-30 (YTD Data)		Rank
Total interest income	$6,699,000	2,355
Total interest expense	$1,160,000	3,718
Net interest income	$5,539,000	1,958
Provision for loan and lease losses	$165,000	2,477
Total noninterest income	$2,810,000	979
Gross Fiduciary activities income	$1,854,000	185
Service charges on deposit accounts	$323,000	2,470
Trading account gains and fees	$0	116
Additional Noninterest Income	$633,000	1,860
Total noninterest expense	$5,631,000	1,504
Salaries and employee benefits	$2,939,000	1,578
Premises and equipment expense	$995,000	1,214
Additional noninterest expense	$1,697,000	1,473
Pre-tax net operating income	$2,553,000	1,807
Securities gains (losses)	$0	2,146
Applicable income taxes	$851,000	1,545
Income before extraordinary items	$1,702,000	1,998
Extraordinary gains, net	$0	30
Net income	$1,702,000	1,997
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	4,061
Cash dividends	$481,000	2,271
Sale, conversion, retirement of capital stock, net	$167,000	385
Net operating income	$1,702,000	1,960
2005-03-31 (YTD Data)		Rank
Total interest income	$3,201,000	2,412
Total interest expense	$522,000	3,904
Net interest income	$2,679,000	2,013
Provision for loan and lease losses	$75,000	2,455
Total noninterest income	$1,428,000	942
Gross Fiduciary activities income	$932,000	185
Service charges on deposit accounts	$166,000	2,356
Trading account gains and fees	$0	115
Additional Noninterest Income	$330,000	1,782
Total noninterest expense	$2,760,000	1,535
Salaries and employee benefits	$1,413,000	1,638
Premises and equipment expense	$493,000	1,225
Additional noninterest expense	$854,000	1,468
Pre-tax net operating income	$1,272,000	1,787
Securities gains (losses)	$0	1,685
Applicable income taxes	$432,000	1,524
Income before extraordinary items	$840,000	2,001
Extraordinary gains, net	$0	24
Net income	$840,000	2,002
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,322
Cash dividends	$240,000	2,024
Sale, conversion, retirement of capital stock, net	$152,000	233
Net operating income	$840,000	1,964
2004-12-31 (YTD Data)		Rank
Total interest income	$11,756,000	2,446
Total interest expense	$1,704,000	4,137
Net interest income	$10,052,000	2,019
Provision for loan and lease losses	$325,000	2,753
Total noninterest income	$5,330,000	1,030
Gross Fiduciary activities income	$3,412,000	191
Service charges on deposit accounts	$679,000	2,444
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,239,000	1,864
Total noninterest expense	$10,451,000	1,561
Salaries and employee benefits	$5,150,000	1,721
Premises and equipment expense	$1,977,000	1,160
Additional noninterest expense	$3,324,000	1,496
Pre-tax net operating income	$4,606,000	1,825
Securities gains (losses)	$0	3,819
Applicable income taxes	$1,593,000	1,534
Income before extraordinary items	$3,013,000	2,069
Extraordinary gains, net	$0	34
Net income	$3,013,000	2,070
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	5,392
Cash dividends	$903,000	2,506
Sale, conversion, retirement of capital stock, net	$71,000	701
Net operating income	$3,013,000	2,026
2004-09-30 (YTD Data)		Rank
Total interest income	$8,707,000	2,444
Total interest expense	$1,241,000	4,176
Net interest income	$7,466,000	2,014
Provision for loan and lease losses	$250,000	2,570
Total noninterest income	$3,873,000	1,060
Gross Fiduciary activities income	$2,496,000	193
Service charges on deposit accounts	$484,000	2,571
Trading account gains and fees	$0	134
Additional Noninterest Income	$893,000	1,926
Total noninterest expense	$7,792,000	1,563
Salaries and employee benefits	$3,912,000	1,687
Premises and equipment expense	$1,490,000	1,160
Additional noninterest expense	$2,390,000	1,527
Pre-tax net operating income	$3,297,000	1,900
Securities gains (losses)	$0	3,710
Applicable income taxes	$1,142,000	1,599
Income before extraordinary items	$2,155,000	2,176
Extraordinary gains, net	$0	26
Net income	$2,155,000	2,178
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	4,640
Cash dividends	$675,000	2,241
Sale, conversion, retirement of capital stock, net	$60,000	570
Net operating income	$2,155,000	2,123
2004-06-30 (YTD Data)		Rank
Total interest income	$5,765,000	2,434
Total interest expense	$825,000	4,187
Net interest income	$4,940,000	2,014
Provision for loan and lease losses	$175,000	2,464
Total noninterest income	$2,519,000	1,078
Gross Fiduciary activities income	$1,625,000	197
Service charges on deposit accounts	$311,000	2,634
Trading account gains and fees	$0	130
Additional Noninterest Income	$583,000	1,969
Total noninterest expense	$5,164,000	1,573
Salaries and employee benefits	$2,625,000	1,679
Premises and equipment expense	$1,004,000	1,149
Additional noninterest expense	$1,535,000	1,575
Pre-tax net operating income	$2,120,000	1,945
Securities gains (losses)	$0	3,413
Applicable income taxes	$733,000	1,639
Income before extraordinary items	$1,387,000	2,222
Extraordinary gains, net	$0	21
Net income	$1,387,000	2,223
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	3,933
Cash dividends	$447,000	2,320
Sale, conversion, retirement of capital stock, net	$28,000	533
Net operating income	$1,387,000	2,155
2004-03-31 (YTD Data)		Rank
Total interest income	$2,885,000	2,436
Total interest expense	$411,000	4,243
Net interest income	$2,474,000	2,014
Provision for loan and lease losses	$100,000	2,105
Total noninterest income	$1,213,000	1,082
Gross Fiduciary activities income	$795,000	197
Service charges on deposit accounts	$151,000	2,665
Trading account gains and fees	$0	121
Additional Noninterest Income	$267,000	2,030
Total noninterest expense	$2,498,000	1,625
Salaries and employee benefits	$1,295,000	1,719
Premises and equipment expense	$510,000	1,156
Additional noninterest expense	$693,000	1,714
Pre-tax net operating income	$1,089,000	1,866
Securities gains (losses)	$0	2,934
Applicable income taxes	$376,000	1,649
Income before extraordinary items	$713,000	2,135
Extraordinary gains, net	$0	16
Net income	$713,000	2,136
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	8,331
Cash dividends	$218,000	2,075
Sale, conversion, retirement of capital stock, net	$25,000	359
Net operating income	$713,000	2,058
2003-12-31 (YTD Data)		Rank
Total interest income	$11,483,000	2,476
Total interest expense	$1,853,000	4,261
Net interest income	$9,630,000	2,035
Provision for loan and lease losses	$340,000	2,902
Total noninterest income	$4,865,000	1,158
Gross Fiduciary activities income	$2,695,000	214
Service charges on deposit accounts	$649,000	2,527
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,521,000	1,802
Total noninterest expense	$9,767,000	1,646
Salaries and employee benefits	$5,170,000	1,668
Premises and equipment expense	$1,809,000	1,255
Additional noninterest expense	$2,788,000	1,744
Pre-tax net operating income	$4,388,000	1,837
Securities gains (losses)	$0	4,500
Applicable income taxes	$1,578,000	1,555
Income before extraordinary items	$2,810,000	2,162
Extraordinary gains, net	$0	54
Net income	$2,810,000	2,162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$693,000	1,239
Cash dividends	$839,000	2,607
Sale, conversion, retirement of capital stock, net	$67,000	700
Net operating income	$2,810,000	2,066
2003-09-30 (YTD Data)		Rank
Total interest income	$8,637,000	2,510
Total interest expense	$1,464,000	4,220
Net interest income	$7,173,000	2,057
Provision for loan and lease losses	$190,000	3,426
Total noninterest income	$3,563,000	1,199
Gross Fiduciary activities income	$1,961,000	228
Service charges on deposit accounts	$471,000	2,614
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,131,000	1,884
Total noninterest expense	$7,243,000	1,678
Salaries and employee benefits	$3,825,000	1,698
Premises and equipment expense	$1,243,000	1,384
Additional noninterest expense	$2,175,000	1,669
Pre-tax net operating income	$3,303,000	1,888
Securities gains (losses)	$0	4,204
Applicable income taxes	$1,194,000	1,622
Income before extraordinary items	$2,109,000	2,220
Extraordinary gains, net	$0	40
Net income	$2,109,000	2,218
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$659,000	948
Cash dividends	$621,000	2,343
Sale, conversion, retirement of capital stock, net	$45,000	577
Net operating income	$2,109,000	2,106
2003-06-30 (YTD Data)		Rank
Total interest income	$5,780,000	2,521
Total interest expense	$1,039,000	4,119
Net interest income	$4,741,000	2,069
Provision for loan and lease losses	$100,000	3,841
Total noninterest income	$2,310,000	1,225
Gross Fiduciary activities income	$1,270,000	234
Service charges on deposit accounts	$325,000	2,495
Trading account gains and fees	$0	150
Additional Noninterest Income	$715,000	1,940
Total noninterest expense	$4,792,000	1,678
Salaries and employee benefits	$2,558,000	1,681
Premises and equipment expense	$838,000	1,371
Additional noninterest expense	$1,396,000	1,718
Pre-tax net operating income	$2,159,000	1,913
Securities gains (losses)	$0	3,782
Applicable income taxes	$764,000	1,687
Income before extraordinary items	$1,395,000	2,246
Extraordinary gains, net	$0	30
Net income	$1,395,000	2,244
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	5,202
Cash dividends	$414,000	2,402
Sale, conversion, retirement of capital stock, net	$35,000	457
Net operating income	$1,395,000	2,123
2003-03-31 (YTD Data)		Rank
Total interest income	$2,866,000	2,552
Total interest expense	$565,000	3,966
Net interest income	$2,301,000	2,124
Provision for loan and lease losses	$40,000	4,103
Total noninterest income	$1,140,000	1,207
Gross Fiduciary activities income	$604,000	253
Service charges on deposit accounts	$155,000	2,520
Trading account gains and fees	$0	134
Additional Noninterest Income	$381,000	1,801
Total noninterest expense	$2,356,000	1,687
Salaries and employee benefits	$1,239,000	1,719
Premises and equipment expense	$429,000	1,344
Additional noninterest expense	$688,000	1,717
Pre-tax net operating income	$1,045,000	1,964
Securities gains (losses)	$0	2,891
Applicable income taxes	$363,000	1,763
Income before extraordinary items	$682,000	2,236
Extraordinary gains, net	$0	21
Net income	$682,000	2,234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,678
Cash dividends	$208,000	2,157
Sale, conversion, retirement of capital stock, net	$10,000	349
Net operating income	$682,000	2,119
2002-12-31 (YTD Data)		Rank
Total interest income	$12,584,000	2,460
Total interest expense	$3,176,000	3,378
Net interest income	$9,408,000	2,061
Provision for loan and lease losses	$525,000	2,307
Total noninterest income	$4,067,000	1,235
Gross Fiduciary activities income	$2,478,000	251
Service charges on deposit accounts	$532,000	2,833
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,057,000	2,102
Total noninterest expense	$9,236,000	1,657
Salaries and employee benefits	$4,907,000	1,640
Premises and equipment expense	$1,507,000	1,471
Additional noninterest expense	$2,822,000	1,663
Pre-tax net operating income	$3,714,000	2,112
Securities gains (losses)	$0	4,537
Applicable income taxes	$1,384,000	1,759
Income before extraordinary items	$2,330,000	2,482
Extraordinary gains, net	$0	70
Net income	$2,330,000	2,481
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$202,000	2,999
Cash dividends	$716,000	2,850
Sale, conversion, retirement of capital stock, net	$82,000	667
Net operating income	$2,330,000	2,397
2001-12-31 (YTD Data)		Rank
Total interest income	$14,160,000	2,419
Total interest expense	$5,376,000	2,957
Net interest income	$8,784,000	2,026
Provision for loan and lease losses	$797,000	1,510
Total noninterest income	$3,482,000	1,310
Gross Fiduciary activities income	$2,218,000	280
Service charges on deposit accounts	$415,000	3,286
Trading account gains and fees	$0	177
Additional Noninterest Income	$849,000	2,299
Total noninterest expense	$8,478,000	1,722
Salaries and employee benefits	$4,657,000	1,608
Premises and equipment expense	$1,275,000	1,696
Additional noninterest expense	$2,546,000	1,798
Pre-tax net operating income	$2,991,000	2,271
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,106,000	1,933
Income before extraordinary items	$1,885,000	2,676
Extraordinary gains, net	$0	105
Net income	$1,885,000	2,681
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$637,000	1,303
Cash dividends	$546,000	3,322
Sale, conversion, retirement of capital stock, net	$87,000	674
Net operating income	$1,885,000	2,593
2000-12-31 (YTD Data)		Rank
Total interest income	$13,798,000	2,527
Total interest expense	$5,703,000	2,919
Net interest income	$8,095,000	2,191
Provision for loan and lease losses	$699,000	1,423
Total noninterest income	$2,718,000	1,471
Gross Fiduciary activities income	$1,667,000	317
Service charges on deposit accounts	$393,000	3,291
Trading account gains and fees	$0	180
Additional Noninterest Income	$658,000	2,479
Total noninterest expense	$7,453,000	1,866
Salaries and employee benefits	$4,048,000	1,778
Premises and equipment expense	$1,014,000	2,033
Additional noninterest expense	$2,391,000	1,847
Pre-tax net operating income	$2,661,000	2,627
Securities gains (losses)	$-36,000	9,047
Applicable income taxes	$964,000	2,188
Income before extraordinary items	$1,661,000	2,993
Extraordinary gains, net	$0	38
Net income	$1,661,000	2,990
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$271,000	1,950
Cash dividends	$463,000	3,692
Sale, conversion, retirement of capital stock, net	$49,000	775
Net operating income	$1,684,040	2,945
1999-12-31 (YTD Data)		Rank
Total interest income	$11,697,000	2,768
Total interest expense	$4,973,000	2,931
Net interest income	$6,724,000	2,607
Provision for loan and lease losses	$402,000	2,094
Total noninterest income	$2,059,000	1,825
Gross Fiduciary activities income	$1,121,000	441
Service charges on deposit accounts	$370,000	3,414
Trading account gains and fees	$0	173
Additional Noninterest Income	$568,000	2,718
Total noninterest expense	$6,311,000	2,153
Salaries and employee benefits	$3,316,000	2,113
Premises and equipment expense	$956,000	2,136
Additional noninterest expense	$2,039,000	2,140
Pre-tax net operating income	$2,070,000	3,247
Securities gains (losses)	$0	3,155
Applicable income taxes	$735,000	2,811
Income before extraordinary items	$1,335,000	3,563
Extraordinary gains, net	$0	35
Net income	$1,335,000	3,563
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	4,871
Cash dividends	$401,000	3,899
Sale, conversion, retirement of capital stock, net	$427,000	629
Net operating income	$1,335,000	3,530
1998-12-31 (YTD Data)		Rank
Total interest income	$10,989,000	2,934
Total interest expense	$4,880,000	3,069
Net interest income	$6,109,000	2,813
Provision for loan and lease losses	$219,000	3,340
Total noninterest income	$1,153,000	2,775
Gross Fiduciary activities income	$610,000	576
Service charges on deposit accounts	$132,000	6,235
Trading account gains and fees	$0	224
Additional Noninterest Income	$411,000	3,372
Total noninterest expense	$5,346,000	2,429
Salaries and employee benefits	$2,708,000	2,493
Premises and equipment expense	$976,000	2,003
Additional noninterest expense	$1,662,000	2,509
Pre-tax net operating income	$1,697,000	3,800
Securities gains (losses)	$0	4,449
Applicable income taxes	$613,000	3,351
Income before extraordinary items	$1,084,000	4,236
Extraordinary gains, net	$0	32
Net income	$1,084,000	4,235
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	4,094
Cash dividends	$370,000	4,158
Sale, conversion, retirement of capital stock, net	$135,000	722
Net operating income	$1,084,000	4,138
1997-12-31 (YTD Data)		Rank
Total interest income	$10,052,000	3,217
Total interest expense	$4,304,000	3,423
Net interest income	$5,748,000	3,038
Provision for loan and lease losses	$350,000	2,319
Total noninterest income	$899,000	3,306
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$128,000	6,606
Trading account gains and fees	NA	NA
Additional Noninterest Income	$771,000	2,079
Total noninterest expense	$4,664,000	2,737
Salaries and employee benefits	$2,194,000	3,018
Premises and equipment expense	$1,032,000	1,923
Additional noninterest expense	$1,438,000	2,840
Pre-tax net operating income	$1,633,000	4,160
Securities gains (losses)	$0	3,944
Applicable income taxes	$592,000	3,717
Income before extraordinary items	$1,041,000	4,556
Extraordinary gains, net	$0	44
Net income	$1,041,000	4,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$110,000	3,615
Cash dividends	$276,000	4,744
Sale, conversion, retirement of capital stock, net	$50,000	842
Net operating income	$1,041,000	4,495
1996-12-31 (YTD Data)		Rank
Total interest income	$8,288,000	3,897
Total interest expense	$3,498,000	4,202
Net interest income	$4,790,000	3,684
Provision for loan and lease losses	$349,000	2,330
Total noninterest income	$750,000	3,877
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$122,000	7,023
Trading account gains and fees	NA	NA
Additional Noninterest Income	$628,000	2,489
Total noninterest expense	$3,925,000	3,407
Salaries and employee benefits	$1,742,000	3,780
Premises and equipment expense	$910,000	2,185
Additional noninterest expense	$1,273,000	3,604
Pre-tax net operating income	$1,266,000	4,933
Securities gains (losses)	$0	4,148
Applicable income taxes	$476,000	4,307
Income before extraordinary items	$790,000	5,354
Extraordinary gains, net	$0	53
Net income	$790,000	5,357
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$173,000	2,918
Cash dividends	$183,000	5,653
Sale, conversion, retirement of capital stock, net	$11,000	865
Net operating income	$790,000	5,293
1995-12-31 (YTD Data)		Rank
Total interest income	$6,733,000	4,715
Total interest expense	$2,850,000	4,994
Net interest income	$3,883,000	4,424
Provision for loan and lease losses	$355,000	2,047
Total noninterest income	$423,000	5,779
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$104,000	7,690
Trading account gains and fees	NA	NA
Additional Noninterest Income	$319,000	3,861
Total noninterest expense	$3,171,000	4,087
Salaries and employee benefits	$1,465,000	4,375
Premises and equipment expense	$733,000	2,688
Additional noninterest expense	$973,000	4,458
Pre-tax net operating income	$780,000	6,914
Securities gains (losses)	$0	3,831
Applicable income taxes	$266,000	6,426
Income before extraordinary items	$514,000	7,142
Extraordinary gains, net	$0	65
Net income	$514,000	7,141
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$176,000	2,710
Cash dividends	$92,000	6,975
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$514,000	7,116
1994-12-31 (YTD Data)		Rank
Total interest income	$4,657,000	5,996
Total interest expense	$1,609,000	6,583
Net interest income	$3,048,000	5,553
Provision for loan and lease losses	$170,000	3,353
Total noninterest income	$242,000	8,057
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$94,000	8,249
Trading account gains and fees	NA	NA
Additional Noninterest Income	$148,000	6,243
Total noninterest expense	$2,525,000	5,118
Salaries and employee benefits	$1,212,000	5,196
Premises and equipment expense	$566,000	3,443
Additional noninterest expense	$747,000	6,008
Pre-tax net operating income	$595,000	8,032
Securities gains (losses)	$3,000	2,889
Applicable income taxes	$189,000	7,532
Income before extraordinary items	$409,000	8,123
Extraordinary gains, net	$0	249
Net income	$409,000	8,126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	5,238
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$406,960	8,190
1993-12-31 (YTD Data)		Rank
Total interest income	$3,330,000	7,785
Total interest expense	$1,136,000	8,532
Net interest income	$2,194,000	7,203
Provision for loan and lease losses	$97,000	5,852
Total noninterest income	$185,000	9,506
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$74,000	9,210
Trading account gains and fees	NA	NA
Additional Noninterest Income	$111,000	7,550
Total noninterest expense	$1,890,000	6,649
Salaries and employee benefits	$852,000	7,008
Premises and equipment expense	$454,000	4,228
Additional noninterest expense	$584,000	7,479
Pre-tax net operating income	$392,000	9,469
Securities gains (losses)	$81,000	2,783
Applicable income taxes	$0	12,141
Income before extraordinary items	$473,000	7,764
Extraordinary gains, net	$0	3,149
Net income	$473,000	7,946
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$392,000	8,237
1992-12-31 (YTD Data)		Rank
Total interest income	$2,251,000	10,380
Total interest expense	$885,000	10,931
Net interest income	$1,366,000	9,747
Provision for loan and lease losses	$102,000	7,202
Total noninterest income	$292,000	7,835
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$37,000	10,808
Trading account gains and fees	NA	NA
Additional Noninterest Income	$255,000	4,900
Total noninterest expense	$1,526,000	7,818
Salaries and employee benefits	$677,000	8,166
Premises and equipment expense	$391,000	4,880
Additional noninterest expense	$458,000	8,891
Pre-tax net operating income	$30,000	12,535
Securities gains (losses)	$107,000	2,901
Applicable income taxes	$0	12,680
Income before extraordinary items	$137,000	11,448
Extraordinary gains, net	$0	1,422
Net income	$137,000	11,526
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$2,126,000	297
Net operating income	$30,000	12,466

* 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.