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Oconee Federal Savings and Loan Association, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$21,186,000	1,812
Total interest expense	$9,222,000	1,373
Net interest income	$11,964,000	2,117
Provision for loan and lease losses	$50,000	2,785
Total noninterest income	$1,693,000	2,189
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$429,000	1,813
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,264,000	2,045
Total noninterest expense	$11,412,000	1,872
Salaries and employee benefits	$6,188,000	1,925
Premises and equipment expense	$1,791,000	1,338
Additional noninterest expense	$1,264,000	2,045
Pre-tax net operating income	$2,195,000	2,864
Securities gains (losses)	$40,000	451
Applicable income taxes	$451,000	1,980
Income before extraordinary items	$1,784,000	2,899
Extraordinary gains, net	$0	54
Net income	$1,784,000	2,928
Minority interest net income	$0	88
Net income of bank and minority interests.	$1,784,000	2,901
Net charge-offs	$0	2,884
Cash dividends	$3,360,000	1,094
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$1,752,000	2,955
2023-09-30 (YTD Data)		Rank
Total interest income	$15,570,000	1,803
Total interest expense	$6,323,000	1,358
Net interest income	$9,247,000	2,089
Provision for loan and lease losses	$50,000	2,479
Total noninterest income	$1,279,000	2,169
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$308,000	1,870
Trading account gains and fees	NA	NA
Additional Noninterest Income	$971,000	2,021
Total noninterest expense	$8,751,000	1,848
Salaries and employee benefits	$4,712,000	1,905
Premises and equipment expense	$1,370,000	1,325
Additional noninterest expense	$971,000	2,021
Pre-tax net operating income	$1,725,000	2,868
Securities gains (losses)	$19,000	466
Applicable income taxes	$335,000	2,038
Income before extraordinary items	$1,409,000	2,914
Extraordinary gains, net	$0	52
Net income	$1,409,000	2,944
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,409,000	2,915
Net charge-offs	$0	2,641
Cash dividends	$3,360,000	817
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$1,393,610	2,953
2023-06-30 (YTD Data)		Rank
Total interest income	$10,187,000	1,804
Total interest expense	$3,789,000	1,348
Net interest income	$6,398,000	2,068
Provision for loan and lease losses	$50,000	2,224
Total noninterest income	$829,000	2,156
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$204,000	1,863
Trading account gains and fees	NA	NA
Additional Noninterest Income	$625,000	1,975
Total noninterest expense	$5,908,000	1,820
Salaries and employee benefits	$3,209,000	1,878
Premises and equipment expense	$944,000	1,270
Additional noninterest expense	$625,000	1,972
Pre-tax net operating income	$1,269,000	2,776
Securities gains (losses)	$7,000	705
Applicable income taxes	$258,000	1,958
Income before extraordinary items	$1,018,000	2,842
Extraordinary gains, net	$0	51
Net income	$1,018,000	2,872
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,018,000	2,841
Net charge-offs	$0	2,431
Cash dividends	$3,360,000	590
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$1,012,400	2,871
2023-03-31 (YTD Data)		Rank
Total interest income	$4,950,000	1,824
Total interest expense	$1,556,000	1,394
Net interest income	$3,394,000	1,992
Provision for loan and lease losses	$50,000	1,677
Total noninterest income	$490,000	1,970
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$106,000	1,841
Trading account gains and fees	NA	NA
Additional Noninterest Income	$384,000	1,779
Total noninterest expense	$2,975,000	1,844
Salaries and employee benefits	$1,614,000	1,900
Premises and equipment expense	$465,000	1,323
Additional noninterest expense	$384,000	1,779
Pre-tax net operating income	$859,000	2,486
Securities gains (losses)	$4,000	770
Applicable income taxes	$183,000	1,734
Income before extraordinary items	$680,000	2,564
Extraordinary gains, net	$0	4
Net income	$680,000	2,565
Minority interest net income	$0	48
Net income of bank and minority interests.	$680,000	2,564
Net charge-offs	$0	2,062
Cash dividends	$3,360,000	351
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$676,840	2,600
2022-12-31 (YTD Data)		Rank
Total interest income	$17,371,000	1,743
Total interest expense	$1,407,000	1,994
Net interest income	$15,964,000	1,709
Provision for loan and lease losses	$100,000	2,212
Total noninterest income	$1,834,000	2,130
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$422,000	1,883
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,412,000	1,965
Total noninterest expense	$11,573,000	1,826
Salaries and employee benefits	$6,390,000	1,874
Premises and equipment expense	$1,933,000	1,254
Additional noninterest expense	$1,412,000	1,965
Pre-tax net operating income	$6,125,000	1,804
Securities gains (losses)	$-123,000	3,971
Applicable income taxes	$1,296,000	1,371
Income before extraordinary items	$4,706,000	1,900
Extraordinary gains, net	$0	5
Net income	$4,706,000	1,899
Minority interest net income	$0	63
Net income of bank and minority interests.	$4,706,000	1,899
Net charge-offs	$0	2,620
Cash dividends	$1,507,000	1,742
Sale, conversion, retirement of capital stock, net	$175,000	416
Net operating income	$4,803,170	1,902
2022-09-30 (YTD Data)		Rank
Total interest income	$12,746,000	1,717
Total interest expense	$757,000	2,109
Net interest income	$11,989,000	1,688
Provision for loan and lease losses	$50,000	2,233
Total noninterest income	$1,453,000	2,101
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$316,000	1,905
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,137,000	1,915
Total noninterest expense	$8,685,000	1,820
Salaries and employee benefits	$4,794,000	1,862
Premises and equipment expense	$1,447,000	1,257
Additional noninterest expense	$1,137,000	1,915
Pre-tax net operating income	$4,707,000	1,767
Securities gains (losses)	$-109,000	4,238
Applicable income taxes	$1,038,000	1,323
Income before extraordinary items	$3,560,000	1,872
Extraordinary gains, net	$0	4
Net income	$3,560,000	1,871
Minority interest net income	$0	57
Net income of bank and minority interests.	$3,560,000	1,871
Net charge-offs	$0	2,349
Cash dividends	$1,507,000	1,337
Sale, conversion, retirement of capital stock, net	$127,000	388
Net operating income	$3,646,110	1,870
2022-06-30 (YTD Data)		Rank
Total interest income	$8,262,000	1,714
Total interest expense	$472,000	2,026
Net interest income	$7,790,000	1,696
Provision for loan and lease losses	$0	2,599
Total noninterest income	$884,000	2,196
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$199,000	1,971
Trading account gains and fees	NA	NA
Additional Noninterest Income	$685,000	2,072
Total noninterest expense	$5,828,000	1,798
Salaries and employee benefits	$3,254,000	1,833
Premises and equipment expense	$959,000	1,258
Additional noninterest expense	$1,615,000	1,888
Pre-tax net operating income	$2,846,000	1,789
Securities gains (losses)	$-33,000	4,177
Applicable income taxes	$632,000	1,316
Income before extraordinary items	$2,181,000	1,889
Extraordinary gains, net	$0	4
Net income	$2,181,000	1,889
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,181,000	1,889
Net charge-offs	$0	2,156
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$126,000	343
Net operating income	$2,207,070	1,913
2022-03-31 (YTD Data)		Rank
Total interest income	$4,028,000	1,719
Total interest expense	$247,000	1,934
Net interest income	$3,781,000	1,692
Provision for loan and lease losses	$0	2,285
Total noninterest income	$506,000	2,064
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$101,000	1,929
Trading account gains and fees	NA	NA
Additional Noninterest Income	$405,000	1,894
Total noninterest expense	$2,885,000	1,800
Salaries and employee benefits	$1,634,000	1,824
Premises and equipment expense	$470,000	1,287
Additional noninterest expense	$781,000	1,909
Pre-tax net operating income	$1,402,000	1,723
Securities gains (losses)	$0	623
Applicable income taxes	$316,000	1,266
Income before extraordinary items	$1,086,000	1,816
Extraordinary gains, net	$0	4
Net income	$1,086,000	1,816
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,086,000	1,816
Net charge-offs	$0	1,838
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$62,000	310
Net operating income	$1,086,000	1,837
2021-12-31 (YTD Data)		Rank
Total interest income	$16,171,000	1,757
Total interest expense	$1,400,000	1,760
Net interest income	$14,771,000	1,741
Provision for loan and lease losses	$0	3,064
Total noninterest income	$1,676,000	2,439
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$369,000	1,960
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,307,000	2,368
Total noninterest expense	$11,536,000	1,787
Salaries and employee benefits	$6,563,000	1,799
Premises and equipment expense	$1,908,000	1,269
Additional noninterest expense	$3,065,000	1,945
Pre-tax net operating income	$4,911,000	2,074
Securities gains (losses)	$-7,000	4,350
Applicable income taxes	$928,000	1,655
Income before extraordinary items	$3,976,000	2,175
Extraordinary gains, net	$0	10
Net income	$3,976,000	2,176
Minority interest net income	$0	74
Net income of bank and minority interests.	$3,976,000	2,176
Net charge-offs	$0	2,705
Cash dividends	$3,815,000	986
Sale, conversion, retirement of capital stock, net	$432,000	323
Net operating income	$3,981,670	2,150
2021-09-30 (YTD Data)		Rank
Total interest income	$11,905,000	1,813
Total interest expense	$1,109,000	1,765
Net interest income	$10,796,000	1,794
Provision for loan and lease losses	$0	2,963
Total noninterest income	$1,262,000	2,445
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$267,000	2,006
Trading account gains and fees	NA	NA
Additional Noninterest Income	$995,000	2,393
Total noninterest expense	$8,597,000	1,801
Salaries and employee benefits	$4,901,000	1,809
Premises and equipment expense	$1,409,000	1,294
Additional noninterest expense	$2,287,000	1,956
Pre-tax net operating income	$3,461,000	2,247
Securities gains (losses)	$-7,000	4,530
Applicable income taxes	$767,000	1,670
Income before extraordinary items	$2,687,000	2,415
Extraordinary gains, net	$0	8
Net income	$2,687,000	2,415
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,687,000	2,415
Net charge-offs	$0	2,463
Cash dividends	$3,815,000	716
Sale, conversion, retirement of capital stock, net	$269,000	310
Net operating income	$2,692,530	2,381
2021-06-30 (YTD Data)		Rank
Total interest income	$8,007,000	1,801
Total interest expense	$778,000	1,766
Net interest income	$7,229,000	1,788
Provision for loan and lease losses	$0	2,862
Total noninterest income	$814,000	2,457
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$167,000	2,023
Trading account gains and fees	NA	NA
Additional Noninterest Income	$647,000	2,383
Total noninterest expense	$5,662,000	1,805
Salaries and employee benefits	$3,260,000	1,809
Premises and equipment expense	$921,000	1,316
Additional noninterest expense	$1,481,000	1,988
Pre-tax net operating income	$2,381,000	2,170
Securities gains (losses)	$43,000	940
Applicable income taxes	$541,000	1,606
Income before extraordinary items	$1,883,000	2,309
Extraordinary gains, net	$0	6
Net income	$1,883,000	2,308
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,883,000	2,309
Net charge-offs	$0	2,245
Cash dividends	$3,815,000	526
Sale, conversion, retirement of capital stock, net	$180,000	289
Net operating income	$1,849,030	2,293
2021-03-31 (YTD Data)		Rank
Total interest income	$4,016,000	1,797
Total interest expense	$420,000	1,732
Net interest income	$3,596,000	1,785
Provision for loan and lease losses	$0	2,741
Total noninterest income	$453,000	2,340
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$85,000	1,997
Trading account gains and fees	NA	NA
Additional Noninterest Income	$368,000	2,242
Total noninterest expense	$2,806,000	1,802
Salaries and employee benefits	$1,649,000	1,774
Premises and equipment expense	$456,000	1,338
Additional noninterest expense	$701,000	2,037
Pre-tax net operating income	$1,243,000	2,107
Securities gains (losses)	$-20,000	4,733
Applicable income taxes	$276,000	1,574
Income before extraordinary items	$947,000	2,289
Extraordinary gains, net	$0	3
Net income	$947,000	2,289
Minority interest net income	$0	55
Net income of bank and minority interests.	$947,000	2,289
Net charge-offs	$0	1,930
Cash dividends	$3,815,000	293
Sale, conversion, retirement of capital stock, net	$90,000	264
Net operating income	$962,800	2,223
2020-12-31 (YTD Data)		Rank
Total interest income	$17,789,000	1,646
Total interest expense	$2,695,000	1,626
Net interest income	$15,094,000	1,646
Provision for loan and lease losses	$50,000	3,874
Total noninterest income	$1,553,000	2,377
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$351,000	2,053
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,202,000	2,299
Total noninterest expense	$11,062,000	1,810
Salaries and employee benefits	$6,275,000	1,839
Premises and equipment expense	$1,943,000	1,209
Additional noninterest expense	$2,844,000	2,008
Pre-tax net operating income	$5,535,000	1,654
Securities gains (losses)	$221,000	982
Applicable income taxes	$1,240,000	1,281
Income before extraordinary items	$4,516,000	1,774
Extraordinary gains, net	$0	4
Net income	$4,516,000	1,773
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,516,000	1,774
Net charge-offs	$7,000	3,116
Cash dividends	$5,000,000	748
Sale, conversion, retirement of capital stock, net	$418,000	290
Net operating income	$4,341,410	1,765
2020-09-30 (YTD Data)		Rank
Total interest income	$13,562,000	1,631
Total interest expense	$2,211,000	1,581
Net interest income	$11,351,000	1,626
Provision for loan and lease losses	$50,000	3,685
Total noninterest income	$1,216,000	2,306
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$258,000	2,071
Trading account gains and fees	NA	NA
Additional Noninterest Income	$958,000	2,193
Total noninterest expense	$8,278,000	1,791
Salaries and employee benefits	$4,641,000	1,831
Premises and equipment expense	$1,528,000	1,157
Additional noninterest expense	$2,109,000	1,995
Pre-tax net operating income	$4,239,000	1,609
Securities gains (losses)	$142,000	1,058
Applicable income taxes	$1,039,000	1,158
Income before extraordinary items	$3,342,000	1,759
Extraordinary gains, net	$0	4
Net income	$3,342,000	1,759
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,342,000	1,759
Net charge-offs	$2,000	3,091
Cash dividends	$5,000,000	559
Sale, conversion, retirement of capital stock, net	$257,000	288
Net operating income	$3,229,820	1,746
2020-06-30 (YTD Data)		Rank
Total interest income	$9,129,000	1,640
Total interest expense	$1,635,000	1,545
Net interest income	$7,494,000	1,639
Provision for loan and lease losses	$50,000	3,430
Total noninterest income	$652,000	2,498
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$176,000	2,073
Trading account gains and fees	NA	NA
Additional Noninterest Income	$476,000	2,416
Total noninterest expense	$5,569,000	1,778
Salaries and employee benefits	$3,095,000	1,830
Premises and equipment expense	$1,063,000	1,106
Additional noninterest expense	$1,411,000	1,988
Pre-tax net operating income	$2,527,000	1,681
Securities gains (losses)	$103,000	969
Applicable income taxes	$629,000	1,158
Income before extraordinary items	$2,001,000	1,849
Extraordinary gains, net	$0	4
Net income	$2,001,000	1,850
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,001,000	1,850
Net charge-offs	$0	3,033
Cash dividends	$2,999,000	615
Sale, conversion, retirement of capital stock, net	$173,000	264
Net operating income	$1,919,630	1,859
2020-03-31 (YTD Data)		Rank
Total interest income	$4,718,000	1,582
Total interest expense	$924,000	1,503
Net interest income	$3,794,000	1,578
Provision for loan and lease losses	$0	3,711
Total noninterest income	$339,000	2,366
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$104,000	2,084
Trading account gains and fees	NA	NA
Additional Noninterest Income	$235,000	2,256
Total noninterest expense	$2,823,000	1,771
Salaries and employee benefits	$1,572,000	1,826
Premises and equipment expense	$560,000	1,081
Additional noninterest expense	$691,000	2,036
Pre-tax net operating income	$1,310,000	1,471
Securities gains (losses)	$-17,000	4,866
Applicable income taxes	$264,000	1,183
Income before extraordinary items	$1,029,000	1,620
Extraordinary gains, net	$0	4
Net income	$1,029,000	1,621
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,029,000	1,621
Net charge-offs	$0	2,581
Cash dividends	$2,999,000	416
Sale, conversion, retirement of capital stock, net	$92,000	256
Net operating income	$1,042,600	1,580
2019-12-31 (YTD Data)		Rank
Total interest income	$19,267,000	1,561
Total interest expense	$4,436,000	1,360
Net interest income	$14,831,000	1,609
Provision for loan and lease losses	$70,000	3,172
Total noninterest income	$1,416,000	2,374
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$437,000	2,105
Trading account gains and fees	NA	NA
Additional Noninterest Income	$979,000	2,269
Total noninterest expense	$11,175,000	1,749
Salaries and employee benefits	$6,373,000	1,757
Premises and equipment expense	$1,814,000	1,261
Additional noninterest expense	$2,988,000	1,929
Pre-tax net operating income	$5,002,000	1,757
Securities gains (losses)	$129,000	799
Applicable income taxes	$832,000	1,570
Income before extraordinary items	$4,299,000	1,786
Extraordinary gains, net	$0	11
Net income	$4,299,000	1,788
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,299,000	1,788
Net charge-offs	$1,000	3,665
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$460,000	298
Net operating income	$4,190,640	1,786
2019-09-30 (YTD Data)		Rank
Total interest income	$14,506,000	1,575
Total interest expense	$3,342,000	1,363
Net interest income	$11,164,000	1,628
Provision for loan and lease losses	$70,000	2,898
Total noninterest income	$1,017,000	2,434
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$331,000	2,101
Trading account gains and fees	NA	NA
Additional Noninterest Income	$686,000	2,348
Total noninterest expense	$8,422,000	1,745
Salaries and employee benefits	$4,857,000	1,744
Premises and equipment expense	$1,351,000	1,284
Additional noninterest expense	$2,214,000	1,950
Pre-tax net operating income	$3,689,000	1,821
Securities gains (losses)	$177,000	569
Applicable income taxes	$780,000	1,443
Income before extraordinary items	$3,086,000	1,896
Extraordinary gains, net	$0	11
Net income	$3,086,000	1,895
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,086,000	1,897
Net charge-offs	$0	3,455
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$289,000	286
Net operating income	$2,944,400	1,932
2019-06-30 (YTD Data)		Rank
Total interest income	$9,725,000	1,574
Total interest expense	$2,145,000	1,384
Net interest income	$7,580,000	1,594
Provision for loan and lease losses	$70,000	2,482
Total noninterest income	$664,000	2,418
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$210,000	2,140
Trading account gains and fees	NA	NA
Additional Noninterest Income	$454,000	2,320
Total noninterest expense	$5,713,000	1,732
Salaries and employee benefits	$3,359,000	1,707
Premises and equipment expense	$879,000	1,316
Additional noninterest expense	$1,475,000	1,969
Pre-tax net operating income	$2,461,000	1,811
Securities gains (losses)	$84,000	587
Applicable income taxes	$466,000	1,506
Income before extraordinary items	$2,079,000	1,848
Extraordinary gains, net	$0	11
Net income	$2,079,000	1,847
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,079,000	1,848
Net charge-offs	$0	3,172
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$196,000	276
Net operating income	$2,010,120	1,882
2019-03-31 (YTD Data)		Rank
Total interest income	$4,787,000	1,583
Total interest expense	$1,025,000	1,410
Net interest income	$3,762,000	1,620
Provision for loan and lease losses	$86,000	1,609
Total noninterest income	$358,000	2,306
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$113,000	2,027
Trading account gains and fees	NA	NA
Additional Noninterest Income	$245,000	2,177
Total noninterest expense	$2,867,000	1,730
Salaries and employee benefits	$1,707,000	1,693
Premises and equipment expense	$466,000	1,281
Additional noninterest expense	$694,000	2,041
Pre-tax net operating income	$1,167,000	1,845
Securities gains (losses)	$82,000	306
Applicable income taxes	$222,000	1,499
Income before extraordinary items	$1,027,000	1,832
Extraordinary gains, net	$0	5
Net income	$1,027,000	1,830
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,027,000	1,831
Net charge-offs	$0	2,740
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$99,000	233
Net operating income	$959,760	1,913
2018-12-31 (YTD Data)		Rank
Total interest income	$17,777,000	1,600
Total interest expense	$2,530,000	1,635
Net interest income	$15,247,000	1,576
Provision for loan and lease losses	$200,000	2,354
Total noninterest income	$1,724,000	2,158
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$420,000	2,237
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,304,000	1,947
Total noninterest expense	$11,720,000	1,653
Salaries and employee benefits	$6,536,000	1,700
Premises and equipment expense	$1,799,000	1,289
Additional noninterest expense	$3,385,000	1,729
Pre-tax net operating income	$5,051,000	1,769
Securities gains (losses)	$-17,000	4,544
Applicable income taxes	$644,000	1,762
Income before extraordinary items	$4,390,000	1,762
Extraordinary gains, net	$0	6
Net income	$4,390,000	1,761
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,390,000	1,761
Net charge-offs	$5,000	3,535
Cash dividends	$5,690,000	664
Sale, conversion, retirement of capital stock, net	$576,000	295
Net operating income	$4,404,790	1,748
2018-09-30 (YTD Data)		Rank
Total interest income	$13,066,000	1,613
Total interest expense	$1,703,000	1,693
Net interest income	$11,363,000	1,580
Provision for loan and lease losses	$124,000	2,436
Total noninterest income	$1,357,000	2,111
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$306,000	2,273
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,051,000	1,884
Total noninterest expense	$8,835,000	1,642
Salaries and employee benefits	$4,864,000	1,705
Premises and equipment expense	$1,333,000	1,296
Additional noninterest expense	$2,638,000	1,668
Pre-tax net operating income	$3,761,000	1,796
Securities gains (losses)	$-17,000	4,891
Applicable income taxes	$398,000	1,984
Income before extraordinary items	$3,346,000	1,750
Extraordinary gains, net	$0	5
Net income	$3,346,000	1,749
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,346,000	1,749
Net charge-offs	$5,000	3,200
Cash dividends	$5,690,000	487
Sale, conversion, retirement of capital stock, net	$373,000	278
Net operating income	$3,361,130	1,728
2018-06-30 (YTD Data)		Rank
Total interest income	$8,631,000	1,613
Total interest expense	$1,043,000	1,721
Net interest income	$7,588,000	1,574
Provision for loan and lease losses	$52,000	2,784
Total noninterest income	$994,000	2,020
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$206,000	2,262
Trading account gains and fees	NA	NA
Additional Noninterest Income	$788,000	1,753
Total noninterest expense	$5,977,000	1,628
Salaries and employee benefits	$3,234,000	1,725
Premises and equipment expense	$914,000	1,275
Additional noninterest expense	$1,829,000	1,622
Pre-tax net operating income	$2,553,000	1,738
Securities gains (losses)	$-17,000	5,085
Applicable income taxes	$151,000	2,418
Income before extraordinary items	$2,385,000	1,641
Extraordinary gains, net	$0	6
Net income	$2,385,000	1,641
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,385,000	1,640
Net charge-offs	$-13,000	4,607
Cash dividends	$5,690,000	352
Sale, conversion, retirement of capital stock, net	$258,000	257
Net operating income	$2,400,980	1,612
2018-03-31 (YTD Data)		Rank
Total interest income	$4,316,000	1,600
Total interest expense	$491,000	1,735
Net interest income	$3,825,000	1,561
Provision for loan and lease losses	$20,000	2,793
Total noninterest income	$396,000	2,263
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$107,000	2,222
Trading account gains and fees	NA	NA
Additional Noninterest Income	$289,000	2,065
Total noninterest expense	$2,908,000	1,682
Salaries and employee benefits	$1,629,000	1,736
Premises and equipment expense	$435,000	1,358
Additional noninterest expense	$844,000	1,737
Pre-tax net operating income	$1,293,000	1,680
Securities gains (losses)	$0	735
Applicable income taxes	$-94,000	5,556
Income before extraordinary items	$1,387,000	1,413
Extraordinary gains, net	$0	7
Net income	$1,387,000	1,413
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,387,000	1,413
Net charge-offs	$0	2,722
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$130,000	232
Net operating income	$1,387,000	1,404
2017-12-31 (YTD Data)		Rank
Total interest income	$16,954,000	1,577
Total interest expense	$1,510,000	1,916
Net interest income	$15,444,000	1,514
Provision for loan and lease losses	$171,000	2,543
Total noninterest income	$1,641,000	2,282
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$429,000	2,280
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,212,000	2,054
Total noninterest expense	$10,782,000	1,790
Salaries and employee benefits	$6,230,000	1,757
Premises and equipment expense	$1,607,000	1,419
Additional noninterest expense	$2,945,000	1,966
Pre-tax net operating income	$6,132,000	1,441
Securities gains (losses)	$13,000	1,489
Applicable income taxes	$2,033,000	1,264
Income before extraordinary items	$4,112,000	1,581
Extraordinary gains, net	$0	9
Net income	$4,112,000	1,581
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,112,000	1,581
Net charge-offs	$135,000	2,166
Cash dividends	$4,351,000	765
Sale, conversion, retirement of capital stock, net	$565,000	277
Net operating income	$4,103,290	1,564
2017-09-30 (YTD Data)		Rank
Total interest income	$12,694,000	1,582
Total interest expense	$1,086,000	1,953
Net interest income	$11,608,000	1,513
Provision for loan and lease losses	$162,000	2,225
Total noninterest income	$1,343,000	2,199
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$317,000	2,320
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,026,000	1,948
Total noninterest expense	$7,911,000	1,828
Salaries and employee benefits	$4,638,000	1,777
Premises and equipment expense	$1,170,000	1,470
Additional noninterest expense	$2,103,000	2,038
Pre-tax net operating income	$4,878,000	1,395
Securities gains (losses)	$13,000	1,503
Applicable income taxes	$818,000	1,644
Income before extraordinary items	$4,073,000	1,355
Extraordinary gains, net	$0	9
Net income	$4,073,000	1,355
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,073,000	1,355
Net charge-offs	$134,000	1,699
Cash dividends	$4,351,000	563
Sale, conversion, retirement of capital stock, net	$347,000	286
Net operating income	$4,062,210	1,341
2017-06-30 (YTD Data)		Rank
Total interest income	$8,512,000	1,545
Total interest expense	$702,000	1,963
Net interest income	$7,810,000	1,487
Provision for loan and lease losses	$116,000	2,142
Total noninterest income	$1,080,000	1,950
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$208,000	2,334
Trading account gains and fees	NA	NA
Additional Noninterest Income	$872,000	1,678
Total noninterest expense	$5,251,000	1,833
Salaries and employee benefits	$3,142,000	1,754
Premises and equipment expense	$779,000	1,475
Additional noninterest expense	$1,330,000	2,122
Pre-tax net operating income	$3,523,000	1,312
Securities gains (losses)	$3,000	1,556
Applicable income taxes	$868,000	1,209
Income before extraordinary items	$2,658,000	1,366
Extraordinary gains, net	$0	11
Net income	$2,658,000	1,366
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,658,000	1,367
Net charge-offs	$96,000	1,553
Cash dividends	$4,351,000	403
Sale, conversion, retirement of capital stock, net	$224,000	266
Net operating income	$2,655,750	1,349
2017-03-31 (YTD Data)		Rank
Total interest income	$4,260,000	1,531
Total interest expense	$340,000	1,988
Net interest income	$3,920,000	1,469
Provision for loan and lease losses	$105,000	1,394
Total noninterest income	$806,000	1,503
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$107,000	2,284
Trading account gains and fees	NA	NA
Additional Noninterest Income	$699,000	1,228
Total noninterest expense	$2,344,000	2,039
Salaries and employee benefits	$1,480,000	1,873
Premises and equipment expense	$398,000	1,458
Additional noninterest expense	$466,000	2,797
Pre-tax net operating income	$2,277,000	1,049
Securities gains (losses)	$3,000	889
Applicable income taxes	$658,000	892
Income before extraordinary items	$1,622,000	1,156
Extraordinary gains, net	$0	8
Net income	$1,622,000	1,155
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,622,000	1,156
Net charge-offs	$34,000	1,581
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$108,000	244
Net operating income	$1,619,870	1,143
2016-12-31 (YTD Data)		Rank
Total interest income	$17,594,000	1,447
Total interest expense	$1,296,000	2,002
Net interest income	$16,298,000	1,389
Provision for loan and lease losses	$117,000	2,997
Total noninterest income	$1,894,000	2,188
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$432,000	2,335
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,462,000	1,928
Total noninterest expense	$10,113,000	1,889
Salaries and employee benefits	$5,722,000	1,870
Premises and equipment expense	$1,551,000	1,472
Additional noninterest expense	$2,840,000	2,071
Pre-tax net operating income	$7,962,000	1,103
Securities gains (losses)	$244,000	768
Applicable income taxes	$2,277,000	949
Income before extraordinary items	$5,929,000	1,208
Extraordinary gains, net	$0	5
Net income	$5,929,000	1,207
Minority interest net income	$0	82
Net income of bank and minority interests.	$5,929,000	1,207
Net charge-offs	$268,000	1,642
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$555,000	268
Net operating income	$5,753,320	1,208
2016-09-30 (YTD Data)		Rank
Total interest income	$13,350,000	1,427
Total interest expense	$957,000	2,028
Net interest income	$12,393,000	1,379
Provision for loan and lease losses	$93,000	2,800
Total noninterest income	$1,251,000	2,345
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$324,000	2,328
Trading account gains and fees	$0	169
Additional Noninterest Income	$927,000	2,139
Total noninterest expense	$7,641,000	1,877
Salaries and employee benefits	$4,246,000	1,874
Premises and equipment expense	$1,185,000	1,445
Additional noninterest expense	$2,210,000	2,002
Pre-tax net operating income	$5,910,000	1,134
Securities gains (losses)	$187,000	842
Applicable income taxes	$1,601,000	1,029
Income before extraordinary items	$4,496,000	1,206
Extraordinary gains, net	$0	5
Net income	$4,496,000	1,206
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,496,000	1,206
Net charge-offs	$268,000	1,234
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$276,000	291
Net operating income	$4,357,620	1,208
2016-06-30 (YTD Data)		Rank
Total interest income	$8,952,000	1,421
Total interest expense	$627,000	2,060
Net interest income	$8,325,000	1,371
Provision for loan and lease losses	$-17,000	5,766
Total noninterest income	$796,000	2,387
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$221,000	2,275
Trading account gains and fees	$0	157
Additional Noninterest Income	$575,000	2,199
Total noninterest expense	$5,163,000	1,858
Salaries and employee benefits	$2,885,000	1,846
Premises and equipment expense	$822,000	1,402
Additional noninterest expense	$1,456,000	2,020
Pre-tax net operating income	$3,975,000	1,112
Securities gains (losses)	$119,000	855
Applicable income taxes	$948,000	1,122
Income before extraordinary items	$3,146,000	1,157
Extraordinary gains, net	$0	16
Net income	$3,146,000	1,157
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,146,000	1,157
Net charge-offs	$254,000	970
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$183,000	289
Net operating income	$3,054,370	1,142
2016-03-31 (YTD Data)		Rank
Total interest income	$4,615,000	1,381
Total interest expense	$302,000	2,125
Net interest income	$4,313,000	1,340
Provision for loan and lease losses	$11,000	3,234
Total noninterest income	$223,000	3,192
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$120,000	2,125
Trading account gains and fees	$0	142
Additional Noninterest Income	$103,000	3,517
Total noninterest expense	$2,643,000	1,820
Salaries and employee benefits	$1,464,000	1,830
Premises and equipment expense	$455,000	1,288
Additional noninterest expense	$724,000	2,022
Pre-tax net operating income	$1,882,000	1,141
Securities gains (losses)	$94,000	560
Applicable income taxes	$435,000	1,167
Income before extraordinary items	$1,541,000	1,157
Extraordinary gains, net	$0	12
Net income	$1,541,000	1,158
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,541,000	1,158
Net charge-offs	$1,000	2,929
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$92,000	271
Net operating income	$1,467,680	1,172
2015-12-31 (YTD Data)		Rank
Total interest income	$17,917,000	1,391
Total interest expense	$1,243,000	2,058
Net interest income	$16,674,000	1,344
Provision for loan and lease losses	$560,000	1,236
Total noninterest income	$2,314,000	1,920
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$464,000	2,263
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,850,000	1,610
Total noninterest expense	$10,227,000	1,852
Salaries and employee benefits	$5,958,000	1,754
Premises and equipment expense	$1,368,000	1,664
Additional noninterest expense	$2,901,000	2,068
Pre-tax net operating income	$8,201,000	1,047
Securities gains (losses)	$129,000	1,010
Applicable income taxes	$2,996,000	751
Income before extraordinary items	$5,334,000	1,291
Extraordinary gains, net	$0	23
Net income	$5,334,000	1,291
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,334,000	1,291
Net charge-offs	$325,000	1,537
Cash dividends	$6,882,000	509
Sale, conversion, retirement of capital stock, net	$607,000	282
Net operating income	$5,251,440	1,275
2015-09-30 (YTD Data)		Rank
Total interest income	$13,492,000	1,399
Total interest expense	$934,000	2,082
Net interest income	$12,558,000	1,351
Provision for loan and lease losses	$331,000	1,424
Total noninterest income	$1,895,000	1,818
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$343,000	2,303
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,552,000	1,498
Total noninterest expense	$7,512,000	1,893
Salaries and employee benefits	$4,330,000	1,810
Premises and equipment expense	$1,023,000	1,689
Additional noninterest expense	$2,159,000	2,067
Pre-tax net operating income	$6,610,000	1,012
Securities gains (losses)	$129,000	875
Applicable income taxes	$2,477,000	723
Income before extraordinary items	$4,262,000	1,237
Extraordinary gains, net	$0	21
Net income	$4,262,000	1,237
Minority interest net income	$0	78
Net income of bank and minority interests.	$4,262,000	1,237
Net charge-offs	$184,000	1,631
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$258,000	329
Net operating income	$4,179,440	1,219
2015-06-30 (YTD Data)		Rank
Total interest income	$9,114,000	1,389
Total interest expense	$633,000	2,065
Net interest income	$8,481,000	1,335
Provision for loan and lease losses	$174,000	1,657
Total noninterest income	$981,000	2,163
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$224,000	2,303
Trading account gains and fees	$0	157
Additional Noninterest Income	$757,000	1,868
Total noninterest expense	$5,195,000	1,831
Salaries and employee benefits	$3,008,000	1,759
Premises and equipment expense	$664,000	1,742
Additional noninterest expense	$1,523,000	1,975
Pre-tax net operating income	$4,093,000	1,066
Securities gains (losses)	$120,000	753
Applicable income taxes	$1,485,000	779
Income before extraordinary items	$2,728,000	1,264
Extraordinary gains, net	$0	22
Net income	$2,728,000	1,266
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,728,000	1,265
Net charge-offs	$42,000	2,461
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$182,000	302
Net operating income	$2,650,000	1,264
2015-03-31 (YTD Data)		Rank
Total interest income	$4,518,000	1,396
Total interest expense	$323,000	2,029
Net interest income	$4,195,000	1,344
Provision for loan and lease losses	$7,000	3,380
Total noninterest income	$368,000	2,508
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$111,000	2,300
Trading account gains and fees	$0	152
Additional Noninterest Income	$257,000	2,317
Total noninterest expense	$2,695,000	1,781
Salaries and employee benefits	$1,525,000	1,746
Premises and equipment expense	$319,000	1,830
Additional noninterest expense	$851,000	1,766
Pre-tax net operating income	$1,861,000	1,123
Securities gains (losses)	$120,000	521
Applicable income taxes	$680,000	821
Income before extraordinary items	$1,301,000	1,280
Extraordinary gains, net	$0	13
Net income	$1,301,000	1,281
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,301,000	1,282
Net charge-offs	$3,000	2,911
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$38,000	378
Net operating income	$1,221,800	1,308
2014-12-31 (YTD Data)		Rank
Total interest income	$13,596,000	1,846
Total interest expense	$1,353,000	2,062
Net interest income	$12,243,000	1,792
Provision for loan and lease losses	$76,000	3,445
Total noninterest income	$485,000	4,321
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$139,000	4,507
Trading account gains and fees	$0	180
Additional Noninterest Income	$346,000	3,829
Total noninterest expense	$6,174,000	2,856
Salaries and employee benefits	$3,720,000	2,652
Premises and equipment expense	$741,000	2,803
Additional noninterest expense	$1,713,000	3,231
Pre-tax net operating income	$6,478,000	1,230
Securities gains (losses)	$118,000	1,139
Applicable income taxes	$2,377,000	863
Income before extraordinary items	$4,219,000	1,511
Extraordinary gains, net	$0	17
Net income	$4,219,000	1,509
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,219,000	1,510
Net charge-offs	$0	4,970
Cash dividends	$4,022,000	725
Sale, conversion, retirement of capital stock, net	$447,000	320
Net operating income	$4,143,480	1,508
2014-09-30 (YTD Data)		Rank
Total interest income	$9,767,000	1,925
Total interest expense	$1,024,000	2,086
Net interest income	$8,743,000	1,884
Provision for loan and lease losses	$66,000	3,212
Total noninterest income	$276,000	4,790
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$56,000	5,396
Trading account gains and fees	$0	174
Additional Noninterest Income	$220,000	4,082
Total noninterest expense	$4,353,000	3,005
Salaries and employee benefits	$2,449,000	2,916
Premises and equipment expense	$512,000	2,995
Additional noninterest expense	$1,392,000	3,058
Pre-tax net operating income	$4,600,000	1,297
Securities gains (losses)	$94,000	1,036
Applicable income taxes	$1,699,000	909
Income before extraordinary items	$2,995,000	1,584
Extraordinary gains, net	$0	15
Net income	$2,995,000	1,584
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,995,000	1,584
Net charge-offs	$0	4,696
Cash dividends	$4,022,000	523
Sale, conversion, retirement of capital stock, net	$229,000	332
Net operating income	$2,934,840	1,588
2014-06-30 (YTD Data)		Rank
Total interest income	$6,466,000	1,929
Total interest expense	$700,000	2,050
Net interest income	$5,766,000	1,893
Provision for loan and lease losses	$66,000	2,712
Total noninterest income	$199,000	4,670
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$38,000	5,397
Trading account gains and fees	$0	172
Additional Noninterest Income	$161,000	3,959
Total noninterest expense	$3,009,000	2,939
Salaries and employee benefits	$1,620,000	2,956
Premises and equipment expense	$345,000	2,999
Additional noninterest expense	$1,044,000	2,781
Pre-tax net operating income	$2,890,000	1,332
Securities gains (losses)	$89,000	854
Applicable income taxes	$1,068,000	915
Income before extraordinary items	$1,911,000	1,598
Extraordinary gains, net	$0	20
Net income	$1,911,000	1,601
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,911,000	1,600
Net charge-offs	$0	4,375
Cash dividends	$4,022,000	369
Sale, conversion, retirement of capital stock, net	$153,000	311
Net operating income	$1,854,040	1,607
2014-03-31 (YTD Data)		Rank
Total interest income	$3,218,000	1,929
Total interest expense	$362,000	2,019
Net interest income	$2,856,000	1,896
Provision for loan and lease losses	$41,000	2,439
Total noninterest income	$107,000	4,527
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$18,000	5,462
Trading account gains and fees	$0	147
Additional Noninterest Income	$89,000	3,740
Total noninterest expense	$1,506,000	2,965
Salaries and employee benefits	$799,000	2,999
Premises and equipment expense	$176,000	3,003
Additional noninterest expense	$531,000	2,750
Pre-tax net operating income	$1,416,000	1,315
Securities gains (losses)	$70,000	540
Applicable income taxes	$535,000	889
Income before extraordinary items	$951,000	1,559
Extraordinary gains, net	$0	16
Net income	$951,000	1,562
Minority interest net income	$0	66
Net income of bank and minority interests.	$951,000	1,562
Net charge-offs	$0	3,660
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$76,000	281
Net operating income	$906,200	1,586
2013-12-31 (YTD Data)		Rank
Total interest income	$13,286,000	1,883
Total interest expense	$1,864,000	1,814
Net interest income	$11,422,000	1,873
Provision for loan and lease losses	$226,000	2,824
Total noninterest income	$333,000	5,003
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$79,000	5,538
Trading account gains and fees	$0	184
Additional Noninterest Income	$254,000	4,309
Total noninterest expense	$5,428,000	3,207
Salaries and employee benefits	$3,394,000	2,864
Premises and equipment expense	$641,000	3,151
Additional noninterest expense	$1,393,000	3,830
Pre-tax net operating income	$6,101,000	1,210
Securities gains (losses)	$225,000	832
Applicable income taxes	$2,304,000	814
Income before extraordinary items	$4,022,000	1,496
Extraordinary gains, net	$0	29
Net income	$4,022,000	1,498
Minority interest net income	$0	90
Net income of bank and minority interests.	$4,022,000	1,500
Net charge-offs	$304,000	2,568
Cash dividends	$2,655,000	952
Sale, conversion, retirement of capital stock, net	$360,000	328
Net operating income	$3,878,000	1,506
2013-09-30 (YTD Data)		Rank
Total interest income	$10,028,000	1,876
Total interest expense	$1,463,000	1,794
Net interest income	$8,565,000	1,876
Provision for loan and lease losses	$266,000	2,228
Total noninterest income	$236,000	5,145
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$58,000	5,615
Trading account gains and fees	$0	180
Additional Noninterest Income	$178,000	4,464
Total noninterest expense	$3,980,000	3,266
Salaries and employee benefits	$2,455,000	2,952
Premises and equipment expense	$475,000	3,226
Additional noninterest expense	$1,050,000	3,827
Pre-tax net operating income	$4,555,000	1,243
Securities gains (losses)	$81,000	1,359
Applicable income taxes	$1,698,000	851
Income before extraordinary items	$2,938,000	1,533
Extraordinary gains, net	$0	25
Net income	$2,938,000	1,535
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,938,000	1,536
Net charge-offs	$300,000	2,113
Cash dividends	$2,655,000	703
Sale, conversion, retirement of capital stock, net	$198,000	352
Net operating income	$2,886,160	1,521
2013-06-30 (YTD Data)		Rank
Total interest income	$6,794,000	1,843
Total interest expense	$1,016,000	1,757
Net interest income	$5,778,000	1,848
Provision for loan and lease losses	$184,000	2,211
Total noninterest income	$155,000	5,203
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$38,000	5,659
Trading account gains and fees	$0	157
Additional Noninterest Income	$117,000	4,543
Total noninterest expense	$2,674,000	3,255
Salaries and employee benefits	$1,654,000	2,945
Premises and equipment expense	$322,000	3,200
Additional noninterest expense	$698,000	3,842
Pre-tax net operating income	$3,075,000	1,204
Securities gains (losses)	$81,000	1,242
Applicable income taxes	$1,168,000	825
Income before extraordinary items	$1,988,000	1,527
Extraordinary gains, net	$0	22
Net income	$1,988,000	1,530
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,988,000	1,532
Net charge-offs	$300,000	1,690
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$130,000	336
Net operating income	$1,936,160	1,501
2013-03-31 (YTD Data)		Rank
Total interest income	$3,440,000	1,835
Total interest expense	$532,000	1,724
Net interest income	$2,908,000	1,840
Provision for loan and lease losses	$180,000	1,441
Total noninterest income	$87,000	5,049
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$22,000	5,472
Trading account gains and fees	$0	148
Additional Noninterest Income	$65,000	4,369
Total noninterest expense	$1,327,000	3,296
Salaries and employee benefits	$818,000	2,999
Premises and equipment expense	$159,000	3,251
Additional noninterest expense	$350,000	3,843
Pre-tax net operating income	$1,488,000	1,223
Securities gains (losses)	$0	1,966
Applicable income taxes	$559,000	822
Income before extraordinary items	$929,000	1,585
Extraordinary gains, net	$0	10
Net income	$929,000	1,588
Minority interest net income	$0	76
Net income of bank and minority interests.	$929,000	1,587
Net charge-offs	$299,000	1,059
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$64,000	296
Net operating income	$929,000	1,526
2012-12-31 (YTD Data)		Rank
Total interest income	$14,700,000	1,793
Total interest expense	$2,683,000	1,649
Net interest income	$12,017,000	1,822
Provision for loan and lease losses	$205,000	3,902
Total noninterest income	$258,000	5,421
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$81,000	5,710
Trading account gains and fees	$0	166
Additional Noninterest Income	$177,000	4,744
Total noninterest expense	$5,012,000	3,458
Salaries and employee benefits	$2,913,000	3,193
Premises and equipment expense	$664,000	3,140
Additional noninterest expense	$1,435,000	3,901
Pre-tax net operating income	$7,058,000	1,002
Securities gains (losses)	$132,000	2,049
Applicable income taxes	$2,712,000	675
Income before extraordinary items	$4,478,000	1,316
Extraordinary gains, net	$0	29
Net income	$4,478,000	1,317
Minority interest net income	$0	93
Net income of bank and minority interests.	$4,478,000	1,317
Net charge-offs	$75,000	4,652
Cash dividends	$7,310,000	403
Sale, conversion, retirement of capital stock, net	$496,000	311
Net operating income	$4,393,520	1,275
2012-09-30 (YTD Data)		Rank
Total interest income	$11,181,000	1,800
Total interest expense	$2,098,000	1,654
Net interest income	$9,083,000	1,831
Provision for loan and lease losses	$269,000	3,143
Total noninterest income	$222,000	5,286
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$60,000	5,797
Trading account gains and fees	$0	157
Additional Noninterest Income	$162,000	4,530
Total noninterest expense	$3,761,000	3,482
Salaries and employee benefits	$2,141,000	3,261
Premises and equipment expense	$509,000	3,123
Additional noninterest expense	$1,111,000	3,833
Pre-tax net operating income	$5,275,000	1,016
Securities gains (losses)	$118,000	1,852
Applicable income taxes	$2,035,000	696
Income before extraordinary items	$3,358,000	1,348
Extraordinary gains, net	$0	20
Net income	$3,358,000	1,349
Minority interest net income	$0	86
Net income of bank and minority interests.	$3,358,000	1,349
Net charge-offs	$75,000	4,232
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$259,000	316
Net operating income	$3,282,480	1,297
2012-06-30 (YTD Data)		Rank
Total interest income	$7,531,000	1,793
Total interest expense	$1,453,000	1,657
Net interest income	$6,078,000	1,824
Provision for loan and lease losses	$128,000	3,540
Total noninterest income	$27,000	6,776
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$31,000	6,134
Trading account gains and fees	$0	153
Additional Noninterest Income	$-4,000	6,812
Total noninterest expense	$2,427,000	3,584
Salaries and employee benefits	$1,462,000	3,210
Premises and equipment expense	$479,000	2,378
Additional noninterest expense	$486,000	4,938
Pre-tax net operating income	$3,550,000	1,000
Securities gains (losses)	$118,000	1,478
Applicable income taxes	$1,385,000	687
Income before extraordinary items	$2,283,000	1,301
Extraordinary gains, net	$0	19
Net income	$2,283,000	1,300
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,283,000	1,301
Net charge-offs	$8,000	5,010
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$152,000	304
Net operating income	$2,207,480	1,269
2012-03-31 (YTD Data)		Rank
Total interest income	$3,782,000	1,803
Total interest expense	$766,000	1,636
Net interest income	$3,016,000	1,849
Provision for loan and lease losses	$82,000	3,111
Total noninterest income	$-32,000	7,154
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$16,000	6,090
Trading account gains and fees	$0	148
Additional Noninterest Income	$-48,000	7,094
Total noninterest expense	$1,247,000	3,537
Salaries and employee benefits	$692,000	3,375
Premises and equipment expense	$243,000	2,353
Additional noninterest expense	$312,000	4,284
Pre-tax net operating income	$1,655,000	1,062
Securities gains (losses)	$22,000	1,558
Applicable income taxes	$634,000	726
Income before extraordinary items	$1,043,000	1,397
Extraordinary gains, net	$0	19
Net income	$1,043,000	1,398
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,043,000	1,398
Net charge-offs	$0	4,730
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$1,028,920	1,340
2011-12-31 (YTD Data)		Rank
Total interest income	$15,340,000	1,836
Total interest expense	$4,105,000	1,478
Net interest income	$11,235,000	1,954
Provision for loan and lease losses	$281,000	4,219
Total noninterest income	$-75,000	7,068
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	6,974
Trading account gains and fees	$0	146
Additional Noninterest Income	$-75,000	6,859
Total noninterest expense	$6,700,000	2,762
Salaries and employee benefits	$2,781,000	3,289
Premises and equipment expense	$1,046,000	2,323
Additional noninterest expense	$2,873,000	2,294
Pre-tax net operating income	$4,179,000	1,378
Securities gains (losses)	$60,000	2,446
Applicable income taxes	$1,584,000	949
Income before extraordinary items	$2,655,000	1,789
Extraordinary gains, net	$0	29
Net income	$2,655,000	1,790
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,655,000	1,790
Net charge-offs	$269,000	3,928
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$11,121,000	63
Net operating income	$2,616,600	1,735
2011-09-30 (YTD Data)		Rank
Total interest income	$11,472,000	1,859
Total interest expense	$3,247,000	1,452
Net interest income	$8,225,000	2,004
Provision for loan and lease losses	$111,000	4,847
Total noninterest income	$-70,000	7,176
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,025
Trading account gains and fees	$0	145
Additional Noninterest Income	$-70,000	7,035
Total noninterest expense	$5,358,000	2,624
Salaries and employee benefits	$2,013,000	3,378
Premises and equipment expense	$769,000	2,387
Additional noninterest expense	$2,576,000	1,965
Pre-tax net operating income	$2,686,000	1,628
Securities gains (losses)	$62,000	2,171
Applicable income taxes	$1,027,000	1,067
Income before extraordinary items	$1,721,000	2,066
Extraordinary gains, net	$0	21
Net income	$1,721,000	2,065
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,721,000	2,066
Net charge-offs	$105,000	4,385
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$11,121,000	53
Net operating income	$1,681,320	2,016
2011-06-30 (YTD Data)		Rank
Total interest income	$7,601,000	1,883
Total interest expense	$2,281,000	1,434
Net interest income	$5,320,000	2,063
Provision for loan and lease losses	$83,000	4,622
Total noninterest income	$-25,000	7,245
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,067
Trading account gains and fees	$0	153
Additional Noninterest Income	$-25,000	7,082
Total noninterest expense	$4,133,000	2,335
Salaries and employee benefits	$1,341,000	3,401
Premises and equipment expense	$518,000	2,381
Additional noninterest expense	$2,274,000	1,521
Pre-tax net operating income	$1,079,000	2,416
Securities gains (losses)	$0	2,914
Applicable income taxes	$397,000	1,534
Income before extraordinary items	$682,000	2,958
Extraordinary gains, net	$0	15
Net income	$682,000	2,959
Minority interest net income	$0	89
Net income of bank and minority interests.	$682,000	2,960
Net charge-offs	$51,000	4,427
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$11,121,000	33
Net operating income	$682,000	2,886
2011-03-31 (YTD Data)		Rank
Total interest income	$3,791,000	1,896
Total interest expense	$1,220,000	1,392
Net interest income	$2,571,000	2,115
Provision for loan and lease losses	$-6,000	7,451
Total noninterest income	$-1,000	7,316
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,070
Trading account gains and fees	$0	158
Additional Noninterest Income	$-1,000	7,129
Total noninterest expense	$2,918,000	1,696
Salaries and employee benefits	$670,000	3,435
Premises and equipment expense	$274,000	2,297
Additional noninterest expense	$1,974,000	907
Pre-tax net operating income	$-342,000	6,982
Securities gains (losses)	$0	1,772
Applicable income taxes	$-131,000	7,323
Income before extraordinary items	$-211,000	6,899
Extraordinary gains, net	$0	9
Net income	$-211,000	6,899
Minority interest net income	$0	86
Net income of bank and minority interests.	$-211,000	6,899
Net charge-offs	$-11,000	7,030
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$11,121,000	16
Net operating income	$-211,000	6,891
2010-12-31 (YTD Data)		Rank
Total interest income	$15,215,000	1,989
Total interest expense	$5,560,000	1,497
Net interest income	$9,655,000	2,271
Provision for loan and lease losses	$827,000	3,360
Total noninterest income	$134,000	6,411
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$134,000	5,098
Total noninterest expense	$4,562,000	3,864
Salaries and employee benefits	$2,582,000	3,500
Premises and equipment expense	$1,033,000	2,413
Additional noninterest expense	$947,000	5,233
Pre-tax net operating income	$4,400,000	1,152
Securities gains (losses)	$-49,000	7,154
Applicable income taxes	$1,540,000	889
Income before extraordinary items	$2,811,000	1,480
Extraordinary gains, net	$0	29
Net income	$2,811,000	1,482
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,811,000	1,483
Net charge-offs	$373,000	4,023
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,842,850	1,417
2010-09-30 (YTD Data)		Rank
Total interest income	$11,402,000	2,031
Total interest expense	$4,229,000	1,535
Net interest income	$7,173,000	2,332
Provision for loan and lease losses	$843,000	2,777
Total noninterest income	$157,000	6,009
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	165
Additional Noninterest Income	$157,000	4,587
Total noninterest expense	$3,350,000	3,928
Salaries and employee benefits	$1,943,000	3,517
Premises and equipment expense	$766,000	2,481
Additional noninterest expense	$641,000	5,487
Pre-tax net operating income	$3,137,000	1,262
Securities gains (losses)	$-49,000	7,327
Applicable income taxes	$1,064,000	955
Income before extraordinary items	$2,024,000	1,635
Extraordinary gains, net	$0	23
Net income	$2,024,000	1,638
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,024,000	1,638
Net charge-offs	$387,000	3,410
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$2,056,340	1,533
2010-06-30 (YTD Data)		Rank
Total interest income	$7,574,000	2,063
Total interest expense	$2,853,000	1,584
Net interest income	$4,721,000	2,368
Provision for loan and lease losses	$773,000	2,242
Total noninterest income	$147,000	5,516
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	152
Additional Noninterest Income	$147,000	4,010
Total noninterest expense	$2,273,000	3,870
Salaries and employee benefits	$1,329,000	3,470
Premises and equipment expense	$516,000	2,466
Additional noninterest expense	$428,000	5,506
Pre-tax net operating income	$1,822,000	1,424
Securities gains (losses)	$-40,000	7,418
Applicable income taxes	$571,000	1,091
Income before extraordinary items	$1,211,000	1,791
Extraordinary gains, net	$0	19
Net income	$1,211,000	1,790
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,211,000	1,791
Net charge-offs	$129,000	3,979
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,238,200	1,678
2010-03-31 (YTD Data)		Rank
Total interest income	$3,764,000	2,118
Total interest expense	$1,431,000	1,648
Net interest income	$2,333,000	2,419
Provision for loan and lease losses	$134,000	3,592
Total noninterest income	$-2,000	7,688
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$-2,000	7,513
Total noninterest expense	$1,135,000	3,910
Salaries and employee benefits	$653,000	3,576
Premises and equipment expense	$250,000	2,599
Additional noninterest expense	$232,000	5,316
Pre-tax net operating income	$1,062,000	1,238
Securities gains (losses)	$0	2,284
Applicable income taxes	$401,000	837
Income before extraordinary items	$661,000	1,650
Extraordinary gains, net	$0	16
Net income	$661,000	1,651
Minority interest net income	$0	91
Net income of bank and minority interests.	$661,000	1,652
Net charge-offs	$129,000	2,883
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$661,000	1,586
2009-12-31 (YTD Data)		Rank
Total interest income	$15,179,000	2,210
Total interest expense	$6,613,000	1,770
Net interest income	$8,566,000	2,529
Provision for loan and lease losses	$-17,000	7,966
Total noninterest income	$46,000	7,432
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$24,000	184
Additional Noninterest Income	$22,000	6,913
Total noninterest expense	$4,335,000	4,107
Salaries and employee benefits	$2,552,000	3,629
Premises and equipment expense	$987,000	2,604
Additional noninterest expense	$796,000	5,836
Pre-tax net operating income	$4,294,000	978
Securities gains (losses)	$0	3,754
Applicable income taxes	$1,655,000	652
Income before extraordinary items	$2,639,000	1,268
Extraordinary gains, net	$0	34
Net income	$2,639,000	1,268
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,639,000	1,267
Net charge-offs	$16,000	6,746
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,639,000	1,259
2009-09-30 (YTD Data)		Rank
Total interest income	$11,437,000	2,225
Total interest expense	$5,080,000	1,812
Net interest income	$6,357,000	2,566
Provision for loan and lease losses	$-12,000	8,048
Total noninterest income	$59,000	7,297
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$24,000	179
Additional Noninterest Income	$35,000	6,592
Total noninterest expense	$3,200,000	4,167
Salaries and employee benefits	$1,860,000	3,748
Premises and equipment expense	$757,000	2,582
Additional noninterest expense	$583,000	5,890
Pre-tax net operating income	$3,228,000	1,012
Securities gains (losses)	$0	3,497
Applicable income taxes	$1,253,000	703
Income before extraordinary items	$1,975,000	1,350
Extraordinary gains, net	$0	27
Net income	$1,975,000	1,348
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,975,000	1,350
Net charge-offs	$16,000	6,341
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,975,000	1,325
2009-06-30 (YTD Data)		Rank
Total interest income	$7,670,000	2,246
Total interest expense	$3,486,000	1,849
Net interest income	$4,184,000	2,591
Provision for loan and lease losses	$-1,000	8,131
Total noninterest income	$23,000	7,627
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-6,000	8,138
Additional Noninterest Income	$29,000	6,432
Total noninterest expense	$2,134,000	4,203
Salaries and employee benefits	$1,210,000	3,875
Premises and equipment expense	$501,000	2,632
Additional noninterest expense	$423,000	5,686
Pre-tax net operating income	$2,074,000	1,094
Securities gains (losses)	$0	3,136
Applicable income taxes	$820,000	729
Income before extraordinary items	$1,254,000	1,486
Extraordinary gains, net	$0	21
Net income	$1,254,000	1,483
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,254,000	1,485
Net charge-offs	$16,000	5,738
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,254,000	1,463
2009-03-31 (YTD Data)		Rank
Total interest income	$3,809,000	2,294
Total interest expense	$1,797,000	1,853
Net interest income	$2,012,000	2,699
Provision for loan and lease losses	$-5,000	8,176
Total noninterest income	$27,000	7,135
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$6,000	148
Additional Noninterest Income	$21,000	6,118
Total noninterest expense	$985,000	4,343
Salaries and employee benefits	$562,000	4,096
Premises and equipment expense	$266,000	2,558
Additional noninterest expense	$157,000	6,195
Pre-tax net operating income	$1,059,000	1,216
Securities gains (losses)	$0	2,434
Applicable income taxes	$392,000	843
Income before extraordinary items	$667,000	1,615
Extraordinary gains, net	$0	15
Net income	$667,000	1,616
Minority interest net income	$0	102
Net income of bank and minority interests.	$667,000	1,617
Net charge-offs	$16,000	4,481
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$667,000	1,537
2008-12-31 (YTD Data)		Rank
Total interest income	$15,726,000	2,366
Total interest expense	$8,869,000	1,802
Net interest income	$6,857,000	3,111
Provision for loan and lease losses	$5,000	7,260
Total noninterest income	$77,000	7,520
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-13,000	8,188
Additional Noninterest Income	$90,000	6,062
Total noninterest expense	$3,974,000	4,252
Salaries and employee benefits	$2,605,000	3,654
Premises and equipment expense	$955,000	2,739
Additional noninterest expense	$414,000	6,988
Pre-tax net operating income	$2,955,000	1,826
Securities gains (losses)	$-3,000	6,917
Applicable income taxes	$1,059,000	1,149
Income before extraordinary items	$1,893,000	2,101
Extraordinary gains, net	$0	39
Net income	$1,893,000	2,103
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,039
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,894,920	2,210
2008-09-30 (YTD Data)		Rank
Total interest income	$11,917,000	2,395
Total interest expense	$6,906,000	1,825
Net interest income	$5,011,000	3,214
Provision for loan and lease losses	$5,000	6,874
Total noninterest income	$70,000	7,491
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$70,000	6,140
Total noninterest expense	$2,909,000	4,327
Salaries and employee benefits	$1,890,000	3,779
Premises and equipment expense	$710,000	2,772
Additional noninterest expense	$309,000	6,982
Pre-tax net operating income	$2,167,000	2,176
Securities gains (losses)	$-3,000	7,226
Applicable income taxes	$768,000	1,417
Income before extraordinary items	$1,396,000	2,472
Extraordinary gains, net	$0	31
Net income	$1,396,000	2,470
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,534
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,397,950	2,578
2008-06-30 (YTD Data)		Rank
Total interest income	$7,924,000	2,436
Total interest expense	$4,750,000	1,841
Net interest income	$3,174,000	3,338
Provision for loan and lease losses	$31,000	5,563
Total noninterest income	$52,000	7,448
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$52,000	6,079
Total noninterest expense	$1,909,000	4,387
Salaries and employee benefits	$1,261,000	3,819
Premises and equipment expense	$474,000	2,766
Additional noninterest expense	$174,000	7,279
Pre-tax net operating income	$1,286,000	2,483
Securities gains (losses)	$-3,000	8,017
Applicable income taxes	$450,000	1,729
Income before extraordinary items	$833,000	2,972
Extraordinary gains, net	$0	21
Net income	$833,000	2,974
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,998
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$834,950	2,924
2008-03-31 (YTD Data)		Rank
Total interest income	$3,944,000	2,503
Total interest expense	$2,431,000	1,908
Net interest income	$1,513,000	3,463
Provision for loan and lease losses	$2,000	5,968
Total noninterest income	$28,000	7,392
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$28,000	5,994
Total noninterest expense	$958,000	4,367
Salaries and employee benefits	$622,000	3,869
Premises and equipment expense	$238,000	2,764
Additional noninterest expense	$98,000	7,100
Pre-tax net operating income	$581,000	2,780
Securities gains (losses)	$-3,000	8,245
Applicable income taxes	$201,000	1,959
Income before extraordinary items	$377,000	3,316
Extraordinary gains, net	$0	15
Net income	$377,000	3,318
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$378,950	3,214
2007-12-31 (YTD Data)		Rank
Total interest income	$15,765,000	2,569
Total interest expense	$9,520,000	2,014
Net interest income	$6,245,000	3,404
Provision for loan and lease losses	$82,000	5,171
Total noninterest income	$109,000	7,471
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$109,000	6,081
Total noninterest expense	$4,055,000	4,083
Salaries and employee benefits	$2,571,000	3,640
Premises and equipment expense	$1,044,000	2,467
Additional noninterest expense	$440,000	6,866
Pre-tax net operating income	$2,217,000	3,104
Securities gains (losses)	$-16,000	7,690
Applicable income taxes	$752,000	2,212
Income before extraordinary items	$1,449,000	3,527
Extraordinary gains, net	$0	39
Net income	$1,449,000	3,525
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,400
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,459,560	3,499
2007-09-30 (YTD Data)		Rank
Total interest income	$11,791,000	2,576
Total interest expense	$7,057,000	2,030
Net interest income	$4,734,000	3,380
Provision for loan and lease losses	$59,000	4,893
Total noninterest income	$110,000	7,206
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$110,000	5,629
Total noninterest expense	$3,043,000	4,059
Salaries and employee benefits	$1,926,000	3,633
Premises and equipment expense	$798,000	2,416
Additional noninterest expense	$319,000	6,916
Pre-tax net operating income	$1,742,000	3,145
Securities gains (losses)	$0	1,655
Applicable income taxes	$609,000	2,268
Income before extraordinary items	$1,133,000	3,612
Extraordinary gains, net	$0	33
Net income	$1,133,000	3,611
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,809
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,133,000	3,593
2007-06-30 (YTD Data)		Rank
Total interest income	$7,846,000	2,598
Total interest expense	$4,661,000	2,054
Net interest income	$3,185,000	3,381
Provision for loan and lease losses	$13,000	5,620
Total noninterest income	$69,000	7,314
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$69,000	5,763
Total noninterest expense	$1,997,000	4,125
Salaries and employee benefits	$1,276,000	3,694
Premises and equipment expense	$517,000	2,503
Additional noninterest expense	$204,000	7,029
Pre-tax net operating income	$1,244,000	3,037
Securities gains (losses)	$0	1,444
Applicable income taxes	$432,000	2,272
Income before extraordinary items	$812,000	3,486
Extraordinary gains, net	$0	29
Net income	$812,000	3,486
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,139
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$812,000	3,464
2007-03-31 (YTD Data)		Rank
Total interest income	$3,888,000	2,614
Total interest expense	$2,298,000	2,071
Net interest income	$1,590,000	3,377
Provision for loan and lease losses	$27,000	4,065
Total noninterest income	$39,000	7,151
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$39,000	5,553
Total noninterest expense	$982,000	4,200
Salaries and employee benefits	$637,000	3,722
Premises and equipment expense	$244,000	2,650
Additional noninterest expense	$101,000	7,065
Pre-tax net operating income	$620,000	3,049
Securities gains (losses)	$0	1,187
Applicable income taxes	$216,000	2,291
Income before extraordinary items	$404,000	3,475
Extraordinary gains, net	$0	22
Net income	$404,000	3,475
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,049
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$404,000	3,452
2006-12-31 (YTD Data)		Rank
Total interest income	$15,200,000	2,525
Total interest expense	$8,204,000	2,010
Net interest income	$6,996,000	3,107
Provision for loan and lease losses	$18,000	6,359
Total noninterest income	$306,000	6,141
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$306,000	4,258
Total noninterest expense	$3,764,000	4,159
Salaries and employee benefits	$2,465,000	3,651
Premises and equipment expense	$892,000	2,734
Additional noninterest expense	$407,000	7,032
Pre-tax net operating income	$3,520,000	2,471
Securities gains (losses)	$0	1,687
Applicable income taxes	$1,225,000	1,936
Income before extraordinary items	$2,295,000	2,800
Extraordinary gains, net	$0	51
Net income	$2,295,000	2,801
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	7,890
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,295,000	2,792
2006-09-30 (YTD Data)		Rank
Total interest income	$11,342,000	2,530
Total interest expense	$5,902,000	2,018
Net interest income	$5,440,000	3,045
Provision for loan and lease losses	$29,000	5,705
Total noninterest income	$265,000	5,872
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$265,000	3,986
Total noninterest expense	$2,807,000	4,165
Salaries and employee benefits	$1,841,000	3,658
Premises and equipment expense	$668,000	2,756
Additional noninterest expense	$298,000	7,094
Pre-tax net operating income	$2,869,000	2,407
Securities gains (losses)	$0	1,388
Applicable income taxes	$998,000	1,892
Income before extraordinary items	$1,871,000	2,716
Extraordinary gains, net	$0	45
Net income	$1,871,000	2,718
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	7,745
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,871,000	2,704
2006-06-30 (YTD Data)		Rank
Total interest income	$7,550,000	2,493
Total interest expense	$3,774,000	1,996
Net interest income	$3,776,000	2,943
Provision for loan and lease losses	$24,000	5,394
Total noninterest income	$189,000	5,762
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$189,000	3,859
Total noninterest expense	$1,832,000	4,242
Salaries and employee benefits	$1,224,000	3,687
Premises and equipment expense	$422,000	2,868
Additional noninterest expense	$186,000	7,228
Pre-tax net operating income	$2,109,000	2,220
Securities gains (losses)	$0	1,185
Applicable income taxes	$730,000	1,793
Income before extraordinary items	$1,379,000	2,501
Extraordinary gains, net	$0	39
Net income	$1,379,000	2,503
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,463
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,379,000	2,484
2006-03-31 (YTD Data)		Rank
Total interest income	$3,776,000	2,445
Total interest expense	$1,833,000	1,975
Net interest income	$1,943,000	2,848
Provision for loan and lease losses	$1,000	5,956
Total noninterest income	$128,000	5,053
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$128,000	3,265
Total noninterest expense	$908,000	4,291
Salaries and employee benefits	$611,000	3,709
Premises and equipment expense	$204,000	2,974
Additional noninterest expense	$93,000	7,227
Pre-tax net operating income	$1,162,000	2,035
Securities gains (losses)	$0	955
Applicable income taxes	$390,000	1,687
Income before extraordinary items	$772,000	2,265
Extraordinary gains, net	$0	21
Net income	$772,000	2,266
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,443
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$772,000	2,242
2005-12-31 (YTD Data)		Rank
Total interest income	$14,645,000	2,271
Total interest expense	$5,835,000	1,934
Net interest income	$8,810,000	2,477
Provision for loan and lease losses	$71,000	5,294
Total noninterest income	$282,000	6,440
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$282,000	4,471
Total noninterest expense	$3,749,000	4,063
Salaries and employee benefits	$2,372,000	3,635
Premises and equipment expense	$949,000	2,480
Additional noninterest expense	$428,000	6,941
Pre-tax net operating income	$5,272,000	1,777
Securities gains (losses)	$0	2,296
Applicable income taxes	$1,875,000	1,435
Income before extraordinary items	$3,397,000	2,020
Extraordinary gains, net	$0	46
Net income	$3,397,000	2,021
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	3,744
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$3,397,000	1,993
2005-09-30 (YTD Data)		Rank
Total interest income	$10,922,000	2,227
Total interest expense	$4,110,000	1,941
Net interest income	$6,812,000	2,406
Provision for loan and lease losses	$40,000	5,540
Total noninterest income	$139,000	7,208
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$139,000	5,331
Total noninterest expense	$2,780,000	4,068
Salaries and employee benefits	$1,741,000	3,666
Premises and equipment expense	$706,000	2,492
Additional noninterest expense	$333,000	6,857
Pre-tax net operating income	$4,131,000	1,716
Securities gains (losses)	$0	2,317
Applicable income taxes	$1,499,000	1,387
Income before extraordinary items	$2,632,000	1,978
Extraordinary gains, net	$0	35
Net income	$2,632,000	1,977
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	2,917
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$2,632,000	1,944
2005-06-30 (YTD Data)		Rank
Total interest income	$7,276,000	2,164
Total interest expense	$2,639,000	1,888
Net interest income	$4,637,000	2,334
Provision for loan and lease losses	$33,000	5,080
Total noninterest income	$101,000	7,038
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$101,000	5,169
Total noninterest expense	$1,830,000	4,087
Salaries and employee benefits	$1,133,000	3,727
Premises and equipment expense	$474,000	2,444
Additional noninterest expense	$223,000	6,837
Pre-tax net operating income	$2,875,000	1,625
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,044,000	1,328
Income before extraordinary items	$1,831,000	1,868
Extraordinary gains, net	$0	30
Net income	$1,831,000	1,868
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	3,094
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,831,000	1,831
2005-03-31 (YTD Data)		Rank
Total interest income	$3,454,000	2,235
Total interest expense	$1,281,000	1,850
Net interest income	$2,173,000	2,452
Provision for loan and lease losses	$6,000	5,706
Total noninterest income	$50,000	7,067
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$50,000	5,188
Total noninterest expense	$811,000	4,524
Salaries and employee benefits	$448,000	4,458
Premises and equipment expense	$242,000	2,421
Additional noninterest expense	$121,000	6,644
Pre-tax net operating income	$1,406,000	1,610
Securities gains (losses)	$0	1,685
Applicable income taxes	$517,000	1,316
Income before extraordinary items	$889,000	1,911
Extraordinary gains, net	$0	24
Net income	$889,000	1,912
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$889,000	1,874
2004-12-31 (YTD Data)		Rank
Total interest income	$14,020,000	2,018
Total interest expense	$5,717,000	1,437
Net interest income	$8,303,000	2,466
Provision for loan and lease losses	$59,000	5,800
Total noninterest income	$243,000	6,822
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$243,000	4,700
Total noninterest expense	$3,761,000	3,934
Salaries and employee benefits	$2,335,000	3,530
Premises and equipment expense	$969,000	2,361
Additional noninterest expense	$457,000	6,811
Pre-tax net operating income	$4,726,000	1,781
Securities gains (losses)	$0	3,819
Applicable income taxes	$1,714,000	1,446
Income before extraordinary items	$3,012,000	2,070
Extraordinary gains, net	$0	34
Net income	$3,012,000	2,071
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,046
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$3,012,000	2,027
2004-09-30 (YTD Data)		Rank
Total interest income	$10,454,000	2,006
Total interest expense	$4,386,000	1,376
Net interest income	$6,068,000	2,497
Provision for loan and lease losses	$62,000	5,096
Total noninterest income	$197,000	6,703
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$197,000	4,529
Total noninterest expense	$2,733,000	4,004
Salaries and employee benefits	$1,685,000	3,619
Premises and equipment expense	$741,000	2,314
Additional noninterest expense	$307,000	7,029
Pre-tax net operating income	$3,470,000	1,817
Securities gains (losses)	$0	3,710
Applicable income taxes	$1,259,000	1,485
Income before extraordinary items	$2,211,000	2,114
Extraordinary gains, net	$0	26
Net income	$2,211,000	2,115
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	4,529
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$2,211,000	2,065
2004-06-30 (YTD Data)		Rank
Total interest income	$6,822,000	2,032
Total interest expense	$2,987,000	1,324
Net interest income	$3,835,000	2,593
Provision for loan and lease losses	$-3,000	8,838
Total noninterest income	$69,000	7,791
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$69,000	5,871
Total noninterest expense	$1,804,000	4,072
Salaries and employee benefits	$1,120,000	3,647
Premises and equipment expense	$484,000	2,353
Additional noninterest expense	$200,000	7,124
Pre-tax net operating income	$2,103,000	1,959
Securities gains (losses)	$0	3,413
Applicable income taxes	$761,000	1,589
Income before extraordinary items	$1,342,000	2,285
Extraordinary gains, net	$0	21
Net income	$1,342,000	2,286
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,342,000	2,223
2004-03-31 (YTD Data)		Rank
Total interest income	$3,332,000	2,100
Total interest expense	$1,532,000	1,303
Net interest income	$1,800,000	2,759
Provision for loan and lease losses	$-6,000	8,907
Total noninterest income	$40,000	7,603
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$40,000	5,560
Total noninterest expense	$924,000	4,012
Salaries and employee benefits	$560,000	3,663
Premises and equipment expense	$246,000	2,348
Additional noninterest expense	$118,000	6,717
Pre-tax net operating income	$922,000	2,158
Securities gains (losses)	$0	2,934
Applicable income taxes	$334,000	1,786
Income before extraordinary items	$588,000	2,553
Extraordinary gains, net	$0	16
Net income	$588,000	2,554
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$588,000	2,463
2003-12-31 (YTD Data)		Rank
Total interest income	$13,799,000	2,062
Total interest expense	$6,611,000	1,341
Net interest income	$7,188,000	2,687
Provision for loan and lease losses	$38,000	6,576
Total noninterest income	$294,000	6,640
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$294,000	4,554
Total noninterest expense	$3,535,000	4,076
Salaries and employee benefits	$2,197,000	3,623
Premises and equipment expense	$893,000	2,504
Additional noninterest expense	$445,000	6,876
Pre-tax net operating income	$3,909,000	2,013
Securities gains (losses)	$0	4,500
Applicable income taxes	$1,483,000	1,639
Income before extraordinary items	$2,426,000	2,428
Extraordinary gains, net	$0	54
Net income	$2,426,000	2,431
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	6,809
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,426,000	2,320
2003-09-30 (YTD Data)		Rank
Total interest income	$10,550,000	2,054
Total interest expense	$5,025,000	1,390
Net interest income	$5,525,000	2,640
Provision for loan and lease losses	$9,000	7,157
Total noninterest income	$221,000	6,671
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$221,000	4,597
Total noninterest expense	$2,613,000	4,102
Salaries and employee benefits	$1,628,000	3,650
Premises and equipment expense	$662,000	2,543
Additional noninterest expense	$323,000	6,945
Pre-tax net operating income	$3,124,000	1,980
Securities gains (losses)	$0	4,204
Applicable income taxes	$1,200,000	1,611
Income before extraordinary items	$1,924,000	2,421
Extraordinary gains, net	$0	40
Net income	$1,924,000	2,420
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,592
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,924,000	2,300
2003-06-30 (YTD Data)		Rank
Total interest income	$7,160,000	2,035
Total interest expense	$3,382,000	1,427
Net interest income	$3,778,000	2,563
Provision for loan and lease losses	$20,000	6,304
Total noninterest income	$164,000	6,429
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$164,000	4,400
Total noninterest expense	$1,710,000	4,173
Salaries and employee benefits	$1,052,000	3,765
Premises and equipment expense	$444,000	2,522
Additional noninterest expense	$214,000	6,965
Pre-tax net operating income	$2,212,000	1,873
Securities gains (losses)	$0	3,782
Applicable income taxes	$711,000	1,795
Income before extraordinary items	$1,501,000	2,110
Extraordinary gains, net	$0	30
Net income	$1,501,000	2,108
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	5,737
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,501,000	1,994
2003-03-31 (YTD Data)		Rank
Total interest income	$3,679,000	1,985
Total interest expense	$1,700,000	1,463
Net interest income	$1,979,000	2,456
Provision for loan and lease losses	$22,000	5,127
Total noninterest income	$78,000	6,491
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$78,000	4,393
Total noninterest expense	$870,000	4,102
Salaries and employee benefits	$488,000	3,973
Premises and equipment expense	$271,000	2,104
Additional noninterest expense	$111,000	6,863
Pre-tax net operating income	$1,165,000	1,794
Securities gains (losses)	$0	2,891
Applicable income taxes	$378,000	1,712
Income before extraordinary items	$787,000	2,002
Extraordinary gains, net	$0	21
Net income	$787,000	2,000
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,250
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$787,000	1,887
2002-12-31 (YTD Data)		Rank
Total interest income	$16,269,000	1,893
Total interest expense	$8,281,000	1,362
Net interest income	$7,988,000	2,402
Provision for loan and lease losses	$-38,000	9,221
Total noninterest income	$358,000	6,044
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$358,000	3,896
Total noninterest expense	$3,523,000	3,945
Salaries and employee benefits	$2,174,000	3,490
Premises and equipment expense	$861,000	2,507
Additional noninterest expense	$488,000	6,576
Pre-tax net operating income	$4,861,000	1,671
Securities gains (losses)	$0	4,537
Applicable income taxes	$1,787,000	1,419
Income before extraordinary items	$3,074,000	1,948
Extraordinary gains, net	$0	70
Net income	$3,074,000	1,947
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,916
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,074,000	1,887
2001-12-31 (YTD Data)		Rank
Total interest income	$17,502,000	1,953
Total interest expense	$11,493,000	1,410
Net interest income	$6,009,000	2,944
Provision for loan and lease losses	$-34,000	9,486
Total noninterest income	$668,000	4,302
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$668,000	2,645
Total noninterest expense	$3,440,000	3,874
Salaries and employee benefits	$2,137,000	3,401
Premises and equipment expense	$867,000	2,442
Additional noninterest expense	$436,000	6,884
Pre-tax net operating income	$3,271,000	2,090
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,324,000	1,670
Income before extraordinary items	$1,947,000	2,591
Extraordinary gains, net	$0	105
Net income	$1,947,000	2,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,243
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,947,000	2,519
2000-12-31 (YTD Data)		Rank
Total interest income	$16,242,000	2,170
Total interest expense	$9,969,000	1,727
Net interest income	$6,273,000	2,824
Provision for loan and lease losses	$53,000	6,459
Total noninterest income	$402,000	5,526
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$402,000	3,331
Total noninterest expense	$3,144,000	4,066
Salaries and employee benefits	$1,933,000	3,567
Premises and equipment expense	$783,000	2,629
Additional noninterest expense	$428,000	6,944
Pre-tax net operating income	$3,478,000	2,096
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,284,000	1,719
Income before extraordinary items	$2,194,000	2,336
Extraordinary gains, net	$0	38
Net income	$2,194,000	2,336
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,220
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,194,000	2,348
1999-12-31 (YTD Data)		Rank
Total interest income	$15,847,000	2,054
Total interest expense	$9,897,000	1,510
Net interest income	$5,950,000	2,950
Provision for loan and lease losses	$-2,000	9,957
Total noninterest income	$161,000	7,964
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$161,000	5,442
Total noninterest expense	$3,242,000	3,943
Salaries and employee benefits	$1,923,000	3,565
Premises and equipment expense	$832,000	2,436
Additional noninterest expense	$487,000	6,605
Pre-tax net operating income	$2,871,000	2,506
Securities gains (losses)	$0	3,155
Applicable income taxes	$955,000	2,294
Income before extraordinary items	$1,916,000	2,685
Extraordinary gains, net	$0	35
Net income	$1,916,000	2,685
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,010
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,916,000	2,649
1998-12-31 (YTD Data)		Rank
Total interest income	$16,190,000	2,005
Total interest expense	$10,427,000	1,464
Net interest income	$5,763,000	2,993
Provision for loan and lease losses	$125,000	4,532
Total noninterest income	$269,000	6,788
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$269,000	4,245
Total noninterest expense	$3,163,000	3,927
Salaries and employee benefits	$1,855,000	3,578
Premises and equipment expense	$862,000	2,264
Additional noninterest expense	$446,000	6,837
Pre-tax net operating income	$2,744,000	2,575
Securities gains (losses)	$0	4,449
Applicable income taxes	$977,000	2,354
Income before extraordinary items	$1,767,000	2,830
Extraordinary gains, net	$0	32
Net income	$1,767,000	2,831
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,598
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,767,000	2,752
1997-12-31 (YTD Data)		Rank
Total interest income	$15,424,000	2,120
Total interest expense	$9,254,000	1,680
Net interest income	$6,170,000	2,829
Provision for loan and lease losses	$43,000	6,927
Total noninterest income	$243,000	7,298
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$243,000	4,444
Total noninterest expense	$3,043,000	4,048
Salaries and employee benefits	$1,761,000	3,716
Premises and equipment expense	$895,000	2,189
Additional noninterest expense	$387,000	7,467
Pre-tax net operating income	$3,327,000	2,270
Securities gains (losses)	$0	3,944
Applicable income taxes	$1,223,000	2,044
Income before extraordinary items	$2,104,000	2,471
Extraordinary gains, net	$0	44
Net income	$2,104,000	2,470
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,513
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,104,000	2,412
1996-12-31 (YTD Data)		Rank
Total interest income	$15,141,000	2,229
Total interest expense	$9,340,000	1,690
Net interest income	$5,801,000	3,051
Provision for loan and lease losses	$17,000	8,136
Total noninterest income	$274,000	7,268
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$274,000	4,293
Total noninterest expense	$3,982,000	3,358
Salaries and employee benefits	$1,551,000	4,183
Premises and equipment expense	$694,000	2,826
Additional noninterest expense	$1,737,000	2,778
Pre-tax net operating income	$2,076,000	3,316
Securities gains (losses)	$0	4,148
Applicable income taxes	$731,000	3,082
Income before extraordinary items	$1,345,000	3,525
Extraordinary gains, net	$0	53
Net income	$1,345,000	3,524
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,345,000	3,477
1995-12-31 (YTD Data)		Rank
Total interest income	$14,434,000	2,335
Total interest expense	$8,230,000	1,911
Net interest income	$6,204,000	2,866
Provision for loan and lease losses	$159,000	3,541
Total noninterest income	$287,000	7,238
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$287,000	4,109
Total noninterest expense	$2,952,000	4,346
Salaries and employee benefits	$1,519,000	4,238
Premises and equipment expense	$692,000	2,839
Additional noninterest expense	$741,000	5,586
Pre-tax net operating income	$3,380,000	2,178
Securities gains (losses)	$0	3,831
Applicable income taxes	$1,221,000	1,995
Income before extraordinary items	$2,159,000	2,342
Extraordinary gains, net	$0	65
Net income	$2,159,000	2,340
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,374
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$2,159,000	2,316
1994-12-31 (YTD Data)		Rank
Total interest income	$14,620,000	2,103
Total interest expense	$7,684,000	1,641
Net interest income	$6,936,000	2,598
Provision for loan and lease losses	$73,000	5,231
Total noninterest income	$234,000	8,180
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$234,000	4,766
Total noninterest expense	$3,159,000	4,221
Salaries and employee benefits	$1,500,000	4,278
Premises and equipment expense	$663,000	2,973
Additional noninterest expense	$996,000	4,724
Pre-tax net operating income	$3,938,000	1,809
Securities gains (losses)	$0	3,600
Applicable income taxes	$1,403,000	1,647
Income before extraordinary items	$2,535,000	1,921
Extraordinary gains, net	$0	249
Net income	$2,535,000	1,920
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	7,370
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$2,535,000	1,920
1993-12-31 (YTD Data)		Rank
Total interest income	$15,034,000	2,095
Total interest expense	$8,764,000	1,528
Net interest income	$6,270,000	2,902
Provision for loan and lease losses	$-59,000	12,787
Total noninterest income	$170,000	9,812
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$170,000	6,167
Total noninterest expense	$2,804,000	4,790
Salaries and employee benefits	$1,353,000	4,711
Premises and equipment expense	$682,000	2,954
Additional noninterest expense	$769,000	6,116
Pre-tax net operating income	$3,695,000	1,847
Securities gains (losses)	$0	7,477
Applicable income taxes	$1,206,000	1,912
Income before extraordinary items	$2,489,000	2,014
Extraordinary gains, net	$0	3,149
Net income	$2,489,000	2,091
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	11,050
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,489,000	1,893
1992-12-31 (YTD Data)		Rank
Total interest income	$16,608,000	2,134
Total interest expense	$11,051,000	1,581
Net interest income	$5,557,000	3,295
Provision for loan and lease losses	$57,000	8,768
Total noninterest income	$254,000	8,431
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$254,000	4,910
Total noninterest expense	$2,575,000	5,170
Salaries and employee benefits	$1,300,000	4,824
Premises and equipment expense	$638,000	3,171
Additional noninterest expense	$637,000	7,201
Pre-tax net operating income	$3,179,000	1,956
Securities gains (losses)	$0	8,369
Applicable income taxes	$1,094,000	1,947
Income before extraordinary items	$2,085,000	2,198
Extraordinary gains, net	$0	1,422
Net income	$2,085,000	2,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	12,698
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$2,085,000	2,016

* 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.