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Ozarks Federal Savings and Loan Association, Income and Expense

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2025-03-31 (YTD Data)		Rank
Total interest income	$3,675,000	2,521
Total interest expense	$1,718,000	2,069
Net interest income	$1,957,000	2,841
Provision for loan and lease losses	$90,000	1,513
Total noninterest income	$213,000	2,820
Gross Fiduciary activities income	$0	918
Service charges on deposit accounts	$12,000	3,721
Trading account gains and fees	NA	NA
Additional Noninterest Income	$201,000	2,382
Total noninterest expense	$1,778,000	2,624
Salaries and employee benefits	$1,014,000	2,588
Premises and equipment expense	$158,000	2,669
Additional noninterest expense	$201,000	2,382
Pre-tax net operating income	$302,000	3,400
Securities gains (losses)	$0	665
Applicable income taxes	$50,000	2,400
Income before extraordinary items	$252,000	3,428
Extraordinary gains, net	$0	47
Net income	$252,000	3,463
Minority interest net income	$0	65
Net income of bank and minority interests.	$252,000	3,428
Net charge-offs	$0	2,299
Cash dividends	$0	2,364
Sale, conversion, retirement of capital stock, net	$0	467
Net operating income	$252,000	3,441
2024-12-31 (YTD Data)		Rank
Total interest income	$12,467,000	2,715
Total interest expense	$6,319,000	2,212
Net interest income	$6,148,000	3,080
Provision for loan and lease losses	$145,000	2,280
Total noninterest income	$924,000	2,810
Gross Fiduciary activities income	$0	1,000
Service charges on deposit accounts	$46,000	3,789
Trading account gains and fees	$0	138
Additional Noninterest Income	$878,000	2,381
Total noninterest expense	$6,895,000	2,644
Salaries and employee benefits	$4,034,000	2,552
Premises and equipment expense	$653,000	2,607
Additional noninterest expense	$878,000	2,381
Pre-tax net operating income	$32,000	4,146
Securities gains (losses)	$0	940
Applicable income taxes	$-85,000	4,298
Income before extraordinary items	$117,000	4,074
Extraordinary gains, net	$0	53
Net income	$117,000	4,117
Minority interest net income	$0	90
Net income of bank and minority interests.	$117,000	4,073
Net charge-offs	$0	3,072
Cash dividends	$0	3,434
Sale, conversion, retirement of capital stock, net	$0	564
Net operating income	$117,000	4,088
2024-09-30 (YTD Data)		Rank
Total interest income	$9,011,000	2,759
Total interest expense	$4,638,000	2,227
Net interest income	$4,373,000	3,150
Provision for loan and lease losses	$40,000	2,650
Total noninterest income	$671,000	2,808
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$34,000	3,821
Trading account gains and fees	$0	139
Additional Noninterest Income	$637,000	2,391
Total noninterest expense	$5,163,000	2,619
Salaries and employee benefits	$3,047,000	2,524
Premises and equipment expense	$483,000	2,612
Additional noninterest expense	$637,000	2,391
Pre-tax net operating income	$-159,000	4,320
Securities gains (losses)	$0	930
Applicable income taxes	$-122,000	4,391
Income before extraordinary items	$-37,000	4,254
Extraordinary gains, net	$0	51
Net income	$-37,000	4,254
Minority interest net income	$0	82
Net income of bank and minority interests.	$-37,000	4,255
Net charge-offs	$0	2,823
Cash dividends	$0	3,076
Sale, conversion, retirement of capital stock, net	$0	527
Net operating income	$-37,000	4,270
2024-06-30 (YTD Data)		Rank
Total interest income	$5,843,000	2,781
Total interest expense	$2,987,000	2,240
Net interest income	$2,856,000	3,163
Provision for loan and lease losses	$0	2,935
Total noninterest income	$464,000	2,750
Gross Fiduciary activities income	$0	962
Service charges on deposit accounts	$22,000	3,836
Trading account gains and fees	$0	145
Additional Noninterest Income	$442,000	2,331
Total noninterest expense	$3,471,000	2,590
Salaries and employee benefits	$2,069,000	2,497
Premises and equipment expense	$317,000	2,625
Additional noninterest expense	$442,000	2,331
Pre-tax net operating income	$-151,000	4,369
Securities gains (losses)	$0	628
Applicable income taxes	$-114,000	4,426
Income before extraordinary items	$-37,000	4,287
Extraordinary gains, net	$0	52
Net income	$-37,000	4,287
Minority interest net income	$0	84
Net income of bank and minority interests.	$-37,000	4,289
Net charge-offs	$0	2,587
Cash dividends	$0	2,949
Sale, conversion, retirement of capital stock, net	$0	496
Net operating income	$-37,000	4,299
2024-03-31 (YTD Data)		Rank
Total interest income	$2,863,000	2,792
Total interest expense	$1,448,000	2,253
Net interest income	$1,415,000	3,172
Provision for loan and lease losses	$0	2,578
Total noninterest income	$219,000	2,777
Gross Fiduciary activities income	$0	895
Service charges on deposit accounts	$12,000	3,788
Trading account gains and fees	$0	121
Additional Noninterest Income	$207,000	2,337
Total noninterest expense	$1,729,000	2,594
Salaries and employee benefits	$1,061,000	2,465
Premises and equipment expense	$162,000	2,598
Additional noninterest expense	$207,000	2,337
Pre-tax net operating income	$-95,000	4,379
Securities gains (losses)	$0	689
Applicable income taxes	$-106,000	4,465
Income before extraordinary items	$11,000	4,191
Extraordinary gains, net	$0	51
Net income	$11,000	4,227
Minority interest net income	$0	72
Net income of bank and minority interests.	$11,000	4,187
Net charge-offs	$0	2,217
Cash dividends	$0	2,345
Sale, conversion, retirement of capital stock, net	$0	434
Net operating income	$11,000	4,194
2023-12-31 (YTD Data)		Rank
Total interest income	$9,500,000	2,914
Total interest expense	$3,611,000	2,404
Net interest income	$5,889,000	3,142
Provision for loan and lease losses	$0	3,275
Total noninterest income	$1,052,000	2,679
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$45,000	3,876
Trading account gains and fees	$0	123
Additional Noninterest Income	$1,007,000	2,268
Total noninterest expense	$6,748,000	2,618
Salaries and employee benefits	$4,030,000	2,502
Premises and equipment expense	$645,000	2,599
Additional noninterest expense	$1,007,000	2,268
Pre-tax net operating income	$193,000	4,180
Securities gains (losses)	$0	988
Applicable income taxes	$-89,000	4,415
Income before extraordinary items	$282,000	4,080
Extraordinary gains, net	$0	54
Net income	$282,000	4,119
Minority interest net income	$0	88
Net income of bank and minority interests.	$282,000	4,082
Net charge-offs	$0	2,884
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$282,000	4,103
2023-09-30 (YTD Data)		Rank
Total interest income	$6,817,000	2,942
Total interest expense	$2,332,000	2,459
Net interest income	$4,485,000	3,123
Provision for loan and lease losses	$0	3,085
Total noninterest income	$842,000	2,596
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$33,000	3,911
Trading account gains and fees	$0	125
Additional Noninterest Income	$809,000	2,199
Total noninterest expense	$5,036,000	2,610
Salaries and employee benefits	$3,035,000	2,490
Premises and equipment expense	$485,000	2,601
Additional noninterest expense	$809,000	2,199
Pre-tax net operating income	$291,000	4,114
Securities gains (losses)	$0	849
Applicable income taxes	$-65,000	4,478
Income before extraordinary items	$356,000	3,989
Extraordinary gains, net	$0	52
Net income	$356,000	4,027
Minority interest net income	$0	81
Net income of bank and minority interests.	$356,000	3,989
Net charge-offs	$0	2,641
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$356,000	4,013
2023-06-30 (YTD Data)		Rank
Total interest income	$4,379,000	2,969
Total interest expense	$1,339,000	2,493
Net interest income	$3,040,000	3,126
Provision for loan and lease losses	$0	2,940
Total noninterest income	$619,000	2,446
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$21,000	3,945
Trading account gains and fees	$0	112
Additional Noninterest Income	$598,000	2,013
Total noninterest expense	$3,359,000	2,589
Salaries and employee benefits	$2,025,000	2,491
Premises and equipment expense	$313,000	2,640
Additional noninterest expense	$598,000	2,010
Pre-tax net operating income	$300,000	4,006
Securities gains (losses)	$0	938
Applicable income taxes	$-63,000	4,542
Income before extraordinary items	$363,000	3,825
Extraordinary gains, net	$0	51
Net income	$363,000	3,862
Minority interest net income	$0	81
Net income of bank and minority interests.	$363,000	3,824
Net charge-offs	$0	2,431
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$363,000	3,845
2023-03-31 (YTD Data)		Rank
Total interest income	$2,112,000	3,007
Total interest expense	$552,000	2,531
Net interest income	$1,560,000	3,108
Provision for loan and lease losses	$0	2,612
Total noninterest income	$235,000	2,769
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$13,000	3,844
Trading account gains and fees	$0	97
Additional Noninterest Income	$222,000	2,320
Total noninterest expense	$1,684,000	2,610
Salaries and employee benefits	$1,019,000	2,519
Premises and equipment expense	$162,000	2,630
Additional noninterest expense	$222,000	2,320
Pre-tax net operating income	$111,000	4,169
Securities gains (losses)	$0	950
Applicable income taxes	$-108,000	4,588
Income before extraordinary items	$219,000	3,746
Extraordinary gains, net	$0	4
Net income	$219,000	3,745
Minority interest net income	$0	48
Net income of bank and minority interests.	$219,000	3,746
Net charge-offs	$0	2,062
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$219,000	3,774
2022-12-31 (YTD Data)		Rank
Total interest income	$7,497,000	2,946
Total interest expense	$733,000	2,799
Net interest income	$6,764,000	2,936
Provision for loan and lease losses	$-50,000	4,319
Total noninterest income	$1,171,000	2,623
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$45,000	3,997
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,126,000	2,209
Total noninterest expense	$6,515,000	2,624
Salaries and employee benefits	$3,916,000	2,536
Premises and equipment expense	$647,000	2,611
Additional noninterest expense	$1,126,000	2,209
Pre-tax net operating income	$1,470,000	3,446
Securities gains (losses)	$0	691
Applicable income taxes	$357,000	2,281
Income before extraordinary items	$1,113,000	3,562
Extraordinary gains, net	$0	5
Net income	$1,113,000	3,560
Minority interest net income	$0	63
Net income of bank and minority interests.	$1,113,000	3,561
Net charge-offs	$-28,000	3,926
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$1,113,000	3,582
2022-09-30 (YTD Data)		Rank
Total interest income	$5,466,000	2,934
Total interest expense	$430,000	2,850
Net interest income	$5,036,000	2,912
Provision for loan and lease losses	$-50,000	4,408
Total noninterest income	$964,000	2,537
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$32,000	4,064
Trading account gains and fees	$0	111
Additional Noninterest Income	$932,000	2,127
Total noninterest expense	$4,897,000	2,611
Salaries and employee benefits	$2,964,000	2,525
Premises and equipment expense	$467,000	2,660
Additional noninterest expense	$932,000	2,127
Pre-tax net operating income	$1,153,000	3,402
Securities gains (losses)	$0	740
Applicable income taxes	$277,000	2,273
Income before extraordinary items	$876,000	3,513
Extraordinary gains, net	$0	4
Net income	$876,000	3,511
Minority interest net income	$0	57
Net income of bank and minority interests.	$876,000	3,512
Net charge-offs	$-16,000	3,742
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$876,000	3,542
2022-06-30 (YTD Data)		Rank
Total interest income	$3,544,000	2,942
Total interest expense	$289,000	2,705
Net interest income	$3,255,000	2,932
Provision for loan and lease losses	$-50,000	4,425
Total noninterest income	$771,000	2,344
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$21,000	4,113
Trading account gains and fees	$0	108
Additional Noninterest Income	$750,000	1,981
Total noninterest expense	$3,236,000	2,609
Salaries and employee benefits	$1,986,000	2,509
Premises and equipment expense	$300,000	2,723
Additional noninterest expense	$950,000	2,700
Pre-tax net operating income	$840,000	3,197
Securities gains (losses)	$0	687
Applicable income taxes	$210,000	2,088
Income before extraordinary items	$630,000	3,330
Extraordinary gains, net	$0	4
Net income	$630,000	3,329
Minority interest net income	$0	60
Net income of bank and minority interests.	$630,000	3,330
Net charge-offs	$-16,000	3,814
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$630,000	3,360
2022-03-31 (YTD Data)		Rank
Total interest income	$1,732,000	2,940
Total interest expense	$161,000	2,538
Net interest income	$1,571,000	2,952
Provision for loan and lease losses	$-50,000	4,469
Total noninterest income	$302,000	2,581
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$12,000	4,029
Trading account gains and fees	$0	103
Additional Noninterest Income	$290,000	2,223
Total noninterest expense	$1,644,000	2,591
Salaries and employee benefits	$1,011,000	2,484
Premises and equipment expense	$158,000	2,649
Additional noninterest expense	$475,000	2,684
Pre-tax net operating income	$279,000	3,510
Securities gains (losses)	$0	623
Applicable income taxes	$70,000	2,300
Income before extraordinary items	$209,000	3,598
Extraordinary gains, net	$0	4
Net income	$209,000	3,597
Minority interest net income	$0	50
Net income of bank and minority interests.	$209,000	3,598
Net charge-offs	$-16,000	4,073
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$209,000	3,622
2021-12-31 (YTD Data)		Rank
Total interest income	$7,350,000	2,928
Total interest expense	$1,325,000	1,823
Net interest income	$6,025,000	3,073
Provision for loan and lease losses	$-140,000	4,267
Total noninterest income	$1,589,000	2,486
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$42,000	4,120
Trading account gains and fees	$0	132
Additional Noninterest Income	$1,547,000	2,175
Total noninterest expense	$6,533,000	2,597
Salaries and employee benefits	$3,988,000	2,505
Premises and equipment expense	$637,000	2,662
Additional noninterest expense	$1,908,000	2,676
Pre-tax net operating income	$1,221,000	3,672
Securities gains (losses)	$0	2,062
Applicable income taxes	$265,000	2,547
Income before extraordinary items	$956,000	3,795
Extraordinary gains, net	$0	10
Net income	$956,000	3,795
Minority interest net income	$0	74
Net income of bank and minority interests.	$956,000	3,795
Net charge-offs	$-7,000	3,578
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$956,000	3,774
2021-09-30 (YTD Data)		Rank
Total interest income	$5,617,000	2,952
Total interest expense	$1,111,000	1,764
Net interest income	$4,506,000	3,125
Provision for loan and lease losses	$-140,000	4,401
Total noninterest income	$1,271,000	2,436
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$31,000	4,180
Trading account gains and fees	$0	132
Additional Noninterest Income	$1,240,000	2,151
Total noninterest expense	$4,893,000	2,613
Salaries and employee benefits	$2,998,000	2,516
Premises and equipment expense	$485,000	2,654
Additional noninterest expense	$1,410,000	2,701
Pre-tax net operating income	$1,024,000	3,697
Securities gains (losses)	$0	2,015
Applicable income taxes	$218,000	2,522
Income before extraordinary items	$806,000	3,823
Extraordinary gains, net	$0	8
Net income	$806,000	3,823
Minority interest net income	$0	69
Net income of bank and minority interests.	$806,000	3,823
Net charge-offs	$-10,000	3,659
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$806,000	3,801
2021-06-30 (YTD Data)		Rank
Total interest income	$3,838,000	2,939
Total interest expense	$818,000	1,695
Net interest income	$3,020,000	3,112
Provision for loan and lease losses	$-140,000	4,510
Total noninterest income	$868,000	2,389
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$20,000	4,201
Trading account gains and fees	$0	133
Additional Noninterest Income	$848,000	2,099
Total noninterest expense	$3,322,000	2,575
Salaries and employee benefits	$2,023,000	2,487
Premises and equipment expense	$324,000	2,635
Additional noninterest expense	$975,000	2,631
Pre-tax net operating income	$706,000	3,648
Securities gains (losses)	$0	1,818
Applicable income taxes	$176,000	2,386
Income before extraordinary items	$530,000	3,832
Extraordinary gains, net	$0	6
Net income	$530,000	3,832
Minority interest net income	$0	67
Net income of bank and minority interests.	$530,000	3,832
Net charge-offs	$-22,000	4,093
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$530,000	3,809
2021-03-31 (YTD Data)		Rank
Total interest income	$1,937,000	2,919
Total interest expense	$449,000	1,637
Net interest income	$1,488,000	3,122
Provision for loan and lease losses	$-140,000	4,680
Total noninterest income	$513,000	2,208
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$11,000	4,138
Trading account gains and fees	$0	127
Additional Noninterest Income	$502,000	1,916
Total noninterest expense	$1,709,000	2,504
Salaries and employee benefits	$1,057,000	2,421
Premises and equipment expense	$164,000	2,637
Additional noninterest expense	$488,000	2,582
Pre-tax net operating income	$432,000	3,406
Securities gains (losses)	$0	1,392
Applicable income taxes	$108,000	2,241
Income before extraordinary items	$324,000	3,619
Extraordinary gains, net	$0	3
Net income	$324,000	3,619
Minority interest net income	$0	55
Net income of bank and minority interests.	$324,000	3,619
Net charge-offs	$0	1,930
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$324,000	3,593
2020-12-31 (YTD Data)		Rank
Total interest income	$8,938,000	2,691
Total interest expense	$2,752,000	1,598
Net interest income	$6,186,000	3,012
Provision for loan and lease losses	$15,000	4,172
Total noninterest income	$1,309,000	2,590
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$48,000	4,193
Trading account gains and fees	$0	133
Additional Noninterest Income	$1,261,000	2,254
Total noninterest expense	$6,428,000	2,593
Salaries and employee benefits	$4,000,000	2,489
Premises and equipment expense	$678,000	2,577
Additional noninterest expense	$1,750,000	2,763
Pre-tax net operating income	$1,052,000	3,652
Securities gains (losses)	$0	2,675
Applicable income taxes	$231,000	2,472
Income before extraordinary items	$821,000	3,830
Extraordinary gains, net	$0	4
Net income	$821,000	3,830
Minority interest net income	$0	72
Net income of bank and minority interests.	$821,000	3,830
Net charge-offs	$0	3,443
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$821,000	3,781
2020-09-30 (YTD Data)		Rank
Total interest income	$6,868,000	2,676
Total interest expense	$2,188,000	1,603
Net interest income	$4,680,000	3,006
Provision for loan and lease losses	$15,000	4,080
Total noninterest income	$879,000	2,664
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$36,000	4,225
Trading account gains and fees	$0	125
Additional Noninterest Income	$843,000	2,321
Total noninterest expense	$4,773,000	2,584
Salaries and employee benefits	$2,966,000	2,485
Premises and equipment expense	$512,000	2,569
Additional noninterest expense	$1,295,000	2,778
Pre-tax net operating income	$771,000	3,692
Securities gains (losses)	$0	2,494
Applicable income taxes	$173,000	2,475
Income before extraordinary items	$598,000	3,866
Extraordinary gains, net	$0	4
Net income	$598,000	3,865
Minority interest net income	$0	65
Net income of bank and minority interests.	$598,000	3,866
Net charge-offs	$0	3,243
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$598,000	3,818
2020-06-30 (YTD Data)		Rank
Total interest income	$4,622,000	2,691
Total interest expense	$1,513,000	1,637
Net interest income	$3,109,000	3,032
Provision for loan and lease losses	$15,000	3,909
Total noninterest income	$529,000	2,752
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$24,000	4,248
Trading account gains and fees	$0	123
Additional Noninterest Income	$505,000	2,361
Total noninterest expense	$3,169,000	2,599
Salaries and employee benefits	$1,976,000	2,489
Premises and equipment expense	$324,000	2,649
Additional noninterest expense	$869,000	2,748
Pre-tax net operating income	$454,000	3,806
Securities gains (losses)	$0	2,249
Applicable income taxes	$94,000	2,572
Income before extraordinary items	$360,000	3,939
Extraordinary gains, net	$0	4
Net income	$360,000	3,939
Minority interest net income	$0	65
Net income of bank and minority interests.	$360,000	3,939
Net charge-offs	$0	3,033
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$360,000	3,891
2020-03-31 (YTD Data)		Rank
Total interest income	$2,316,000	2,684
Total interest expense	$767,000	1,740
Net interest income	$1,549,000	3,013
Provision for loan and lease losses	$15,000	3,204
Total noninterest income	$251,000	2,729
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$17,000	4,143
Trading account gains and fees	$0	106
Additional Noninterest Income	$234,000	2,264
Total noninterest expense	$1,560,000	2,657
Salaries and employee benefits	$950,000	2,566
Premises and equipment expense	$173,000	2,542
Additional noninterest expense	$437,000	2,777
Pre-tax net operating income	$225,000	3,674
Securities gains (losses)	$0	1,705
Applicable income taxes	$56,000	2,331
Income before extraordinary items	$169,000	3,867
Extraordinary gains, net	$0	4
Net income	$169,000	3,868
Minority interest net income	$0	56
Net income of bank and minority interests.	$169,000	3,868
Net charge-offs	$0	2,581
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$169,000	3,838
2019-12-31 (YTD Data)		Rank
Total interest income	$9,316,000	2,691
Total interest expense	$2,946,000	1,824
Net interest income	$6,370,000	2,991
Provision for loan and lease losses	$60,000	3,246
Total noninterest income	$1,054,000	2,758
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$75,000	4,186
Trading account gains and fees	$0	135
Additional Noninterest Income	$979,000	2,269
Total noninterest expense	$5,990,000	2,700
Salaries and employee benefits	$3,530,000	2,648
Premises and equipment expense	$592,000	2,815
Additional noninterest expense	$1,868,000	2,680
Pre-tax net operating income	$1,374,000	3,501
Securities gains (losses)	$0	2,379
Applicable income taxes	$266,000	2,444
Income before extraordinary items	$1,108,000	3,655
Extraordinary gains, net	$0	11
Net income	$1,108,000	3,655
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,108,000	3,656
Net charge-offs	$13,000	3,248
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,108,000	3,627
2019-09-30 (YTD Data)		Rank
Total interest income	$6,983,000	2,728
Total interest expense	$2,176,000	1,866
Net interest income	$4,807,000	3,020
Provision for loan and lease losses	$45,000	3,145
Total noninterest income	$836,000	2,682
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$57,000	4,233
Trading account gains and fees	$0	129
Additional Noninterest Income	$779,000	2,205
Total noninterest expense	$4,479,000	2,722
Salaries and employee benefits	$2,622,000	2,679
Premises and equipment expense	$438,000	2,851
Additional noninterest expense	$1,419,000	2,661
Pre-tax net operating income	$1,119,000	3,494
Securities gains (losses)	$0	2,167
Applicable income taxes	$202,000	2,501
Income before extraordinary items	$917,000	3,622
Extraordinary gains, net	$0	11
Net income	$917,000	3,622
Minority interest net income	$0	72
Net income of bank and minority interests.	$917,000	3,622
Net charge-offs	$13,000	2,869
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$917,000	3,586
2019-06-30 (YTD Data)		Rank
Total interest income	$4,642,000	2,742
Total interest expense	$1,407,000	1,884
Net interest income	$3,235,000	3,019
Provision for loan and lease losses	$30,000	3,043
Total noninterest income	$538,000	2,709
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$38,000	4,254
Trading account gains and fees	$0	131
Additional Noninterest Income	$500,000	2,199
Total noninterest expense	$3,016,000	2,720
Salaries and employee benefits	$1,745,000	2,700
Premises and equipment expense	$286,000	2,903
Additional noninterest expense	$985,000	2,610
Pre-tax net operating income	$727,000	3,513
Securities gains (losses)	$0	1,702
Applicable income taxes	$182,000	2,271
Income before extraordinary items	$545,000	3,764
Extraordinary gains, net	$0	11
Net income	$545,000	3,763
Minority interest net income	$0	69
Net income of bank and minority interests.	$545,000	3,763
Net charge-offs	$13,000	2,505
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$545,000	3,728
2019-03-31 (YTD Data)		Rank
Total interest income	$2,292,000	2,781
Total interest expense	$681,000	1,887
Net interest income	$1,611,000	3,050
Provision for loan and lease losses	$15,000	2,868
Total noninterest income	$202,000	3,031
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$19,000	4,268
Trading account gains and fees	$0	126
Additional Noninterest Income	$183,000	2,508
Total noninterest expense	$1,478,000	2,769
Salaries and employee benefits	$854,000	2,759
Premises and equipment expense	$146,000	2,898
Additional noninterest expense	$478,000	2,670
Pre-tax net operating income	$320,000	3,688
Securities gains (losses)	$0	1,087
Applicable income taxes	$80,000	2,325
Income before extraordinary items	$240,000	3,898
Extraordinary gains, net	$0	5
Net income	$240,000	3,896
Minority interest net income	$0	52
Net income of bank and minority interests.	$240,000	3,897
Net charge-offs	$13,000	1,875
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$240,000	3,894
2018-12-31 (YTD Data)		Rank
Total interest income	$8,614,000	2,804
Total interest expense	$2,116,000	1,863
Net interest income	$6,498,000	3,031
Provision for loan and lease losses	$50,000	3,480
Total noninterest income	$979,000	2,885
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$79,000	4,348
Trading account gains and fees	$0	126
Additional Noninterest Income	$900,000	2,357
Total noninterest expense	$5,745,000	2,793
Salaries and employee benefits	$3,288,000	2,784
Premises and equipment expense	$617,000	2,790
Additional noninterest expense	$1,840,000	2,741
Pre-tax net operating income	$1,682,000	3,362
Securities gains (losses)	$0	1,125
Applicable income taxes	$370,000	2,232
Income before extraordinary items	$1,312,000	3,546
Extraordinary gains, net	$0	6
Net income	$1,312,000	3,543
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,312,000	3,545
Net charge-offs	$61,000	2,499
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,312,000	3,558
2018-09-30 (YTD Data)		Rank
Total interest income	$6,341,000	2,830
Total interest expense	$1,494,000	1,873
Net interest income	$4,847,000	3,054
Provision for loan and lease losses	$20,000	3,606
Total noninterest income	$763,000	2,859
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$58,000	4,418
Trading account gains and fees	$0	138
Additional Noninterest Income	$705,000	2,336
Total noninterest expense	$4,348,000	2,790
Salaries and employee benefits	$2,499,000	2,772
Premises and equipment expense	$475,000	2,762
Additional noninterest expense	$1,374,000	2,758
Pre-tax net operating income	$1,242,000	3,446
Securities gains (losses)	$0	1,118
Applicable income taxes	$260,000	2,336
Income before extraordinary items	$982,000	3,602
Extraordinary gains, net	$0	5
Net income	$982,000	3,601
Minority interest net income	$0	66
Net income of bank and minority interests.	$982,000	3,601
Net charge-offs	$8,000	3,062
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$982,000	3,605
2018-06-30 (YTD Data)		Rank
Total interest income	$4,181,000	2,839
Total interest expense	$948,000	1,853
Net interest income	$3,233,000	3,050
Provision for loan and lease losses	$0	3,782
Total noninterest income	$538,000	2,783
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$35,000	4,557
Trading account gains and fees	$0	130
Additional Noninterest Income	$503,000	2,259
Total noninterest expense	$2,870,000	2,827
Salaries and employee benefits	$1,654,000	2,814
Premises and equipment expense	$314,000	2,789
Additional noninterest expense	$902,000	2,793
Pre-tax net operating income	$901,000	3,309
Securities gains (losses)	$0	961
Applicable income taxes	$186,000	2,280
Income before extraordinary items	$715,000	3,468
Extraordinary gains, net	$0	6
Net income	$715,000	3,467
Minority interest net income	$0	65
Net income of bank and minority interests.	$715,000	3,467
Net charge-offs	$25,000	2,124
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$715,000	3,467
2018-03-31 (YTD Data)		Rank
Total interest income	$2,061,000	2,877
Total interest expense	$446,000	1,863
Net interest income	$1,615,000	3,076
Provision for loan and lease losses	$0	3,508
Total noninterest income	$349,000	2,416
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$19,000	4,518
Trading account gains and fees	$0	123
Additional Noninterest Income	$330,000	1,910
Total noninterest expense	$1,435,000	2,861
Salaries and employee benefits	$826,000	2,844
Premises and equipment expense	$163,000	2,764
Additional noninterest expense	$446,000	2,849
Pre-tax net operating income	$529,000	3,025
Securities gains (losses)	$0	735
Applicable income taxes	$93,000	2,233
Income before extraordinary items	$436,000	3,115
Extraordinary gains, net	$0	7
Net income	$436,000	3,115
Minority interest net income	$0	52
Net income of bank and minority interests.	$436,000	3,115
Net charge-offs	$2,000	2,440
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$436,000	3,116
2017-12-31 (YTD Data)		Rank
Total interest income	$7,903,000	2,892
Total interest expense	$1,482,000	1,943
Net interest income	$6,421,000	3,054
Provision for loan and lease losses	$0	4,227
Total noninterest income	$913,000	3,078
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$86,000	4,499
Trading account gains and fees	$0	151
Additional Noninterest Income	$827,000	2,536
Total noninterest expense	$5,922,000	2,793
Salaries and employee benefits	$3,484,000	2,715
Premises and equipment expense	$618,000	2,876
Additional noninterest expense	$1,820,000	2,834
Pre-tax net operating income	$1,412,000	3,606
Securities gains (losses)	$0	2,243
Applicable income taxes	$274,000	2,803
Income before extraordinary items	$1,138,000	3,551
Extraordinary gains, net	$0	9
Net income	$1,138,000	3,550
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,138,000	3,551
Net charge-offs	$113,000	2,310
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,138,000	3,529
2017-09-30 (YTD Data)		Rank
Total interest income	$5,868,000	2,929
Total interest expense	$1,046,000	2,014
Net interest income	$4,822,000	3,071
Provision for loan and lease losses	$0	4,088
Total noninterest income	$714,000	3,039
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$65,000	4,520
Trading account gains and fees	$0	145
Additional Noninterest Income	$649,000	2,489
Total noninterest expense	$4,424,000	2,816
Salaries and employee benefits	$2,590,000	2,750
Premises and equipment expense	$469,000	2,876
Additional noninterest expense	$1,365,000	2,827
Pre-tax net operating income	$1,112,000	3,595
Securities gains (losses)	$0	2,274
Applicable income taxes	$356,000	2,349
Income before extraordinary items	$756,000	3,925
Extraordinary gains, net	$0	9
Net income	$756,000	3,924
Minority interest net income	$0	71
Net income of bank and minority interests.	$756,000	3,925
Net charge-offs	$96,000	1,977
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$756,000	3,908
2017-06-30 (YTD Data)		Rank
Total interest income	$3,862,000	2,946
Total interest expense	$652,000	2,073
Net interest income	$3,210,000	3,067
Provision for loan and lease losses	$0	3,871
Total noninterest income	$467,000	3,076
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$40,000	4,624
Trading account gains and fees	$0	139
Additional Noninterest Income	$427,000	2,510
Total noninterest expense	$2,918,000	2,862
Salaries and employee benefits	$1,723,000	2,772
Premises and equipment expense	$304,000	2,930
Additional noninterest expense	$891,000	2,886
Pre-tax net operating income	$759,000	3,534
Securities gains (losses)	$0	1,906
Applicable income taxes	$243,000	2,326
Income before extraordinary items	$516,000	3,859
Extraordinary gains, net	$0	11
Net income	$516,000	3,857
Minority interest net income	$0	71
Net income of bank and minority interests.	$516,000	3,859
Net charge-offs	$104,000	1,488
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$516,000	3,844
2017-03-31 (YTD Data)		Rank
Total interest income	$1,904,000	2,974
Total interest expense	$303,000	2,156
Net interest income	$1,601,000	3,078
Provision for loan and lease losses	$0	3,537
Total noninterest income	$235,000	3,064
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$21,000	4,596
Trading account gains and fees	$0	142
Additional Noninterest Income	$214,000	2,495
Total noninterest expense	$1,463,000	2,881
Salaries and employee benefits	$870,000	2,780
Premises and equipment expense	$150,000	2,994
Additional noninterest expense	$443,000	2,902
Pre-tax net operating income	$373,000	3,511
Securities gains (losses)	$0	1,153
Applicable income taxes	$119,000	2,307
Income before extraordinary items	$254,000	3,845
Extraordinary gains, net	$0	8
Net income	$254,000	3,843
Minority interest net income	$0	55
Net income of bank and minority interests.	$254,000	3,845
Net charge-offs	$88,000	1,000
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$254,000	3,830
2016-12-31 (YTD Data)		Rank
Total interest income	$7,423,000	3,006
Total interest expense	$1,088,000	2,279
Net interest income	$6,335,000	3,075
Provision for loan and lease losses	$0	4,332
Total noninterest income	$906,000	3,199
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$84,000	4,714
Trading account gains and fees	$0	170
Additional Noninterest Income	$822,000	2,627
Total noninterest expense	$5,519,000	2,995
Salaries and employee benefits	$3,177,000	2,925
Premises and equipment expense	$590,000	3,053
Additional noninterest expense	$1,752,000	3,015
Pre-tax net operating income	$1,722,000	3,311
Securities gains (losses)	$0	3,212
Applicable income taxes	$501,000	2,255
Income before extraordinary items	$1,221,000	3,608
Extraordinary gains, net	$0	5
Net income	$1,221,000	3,606
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,221,000	3,607
Net charge-offs	$-4,000	4,828
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,221,000	3,547
2016-09-30 (YTD Data)		Rank
Total interest income	$5,553,000	3,014
Total interest expense	$800,000	2,313
Net interest income	$4,753,000	3,087
Provision for loan and lease losses	$0	4,186
Total noninterest income	$690,000	3,174
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$61,000	4,796
Trading account gains and fees	$0	169
Additional Noninterest Income	$629,000	2,605
Total noninterest expense	$4,181,000	2,976
Salaries and employee benefits	$2,376,000	2,929
Premises and equipment expense	$452,000	3,018
Additional noninterest expense	$1,353,000	2,954
Pre-tax net operating income	$1,262,000	3,390
Securities gains (losses)	$0	3,160
Applicable income taxes	$354,000	2,344
Income before extraordinary items	$908,000	3,671
Extraordinary gains, net	$0	5
Net income	$908,000	3,669
Minority interest net income	$0	71
Net income of bank and minority interests.	$908,000	3,671
Net charge-offs	$-5,000	4,742
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$908,000	3,597
2016-06-30 (YTD Data)		Rank
Total interest income	$3,695,000	3,027
Total interest expense	$520,000	2,369
Net interest income	$3,175,000	3,104
Provision for loan and lease losses	$0	4,017
Total noninterest income	$450,000	3,205
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$40,000	4,835
Trading account gains and fees	$0	157
Additional Noninterest Income	$410,000	2,627
Total noninterest expense	$2,812,000	2,973
Salaries and employee benefits	$1,573,000	2,957
Premises and equipment expense	$299,000	3,049
Additional noninterest expense	$940,000	2,871
Pre-tax net operating income	$813,000	3,429
Securities gains (losses)	$0	2,835
Applicable income taxes	$210,000	2,460
Income before extraordinary items	$603,000	3,677
Extraordinary gains, net	$0	16
Net income	$603,000	3,673
Minority interest net income	$0	71
Net income of bank and minority interests.	$603,000	3,676
Net charge-offs	$-27,000	5,321
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$603,000	3,610
2016-03-31 (YTD Data)		Rank
Total interest income	$1,875,000	3,003
Total interest expense	$254,000	2,413
Net interest income	$1,621,000	3,073
Provision for loan and lease losses	$0	3,656
Total noninterest income	$167,000	3,640
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$27,000	4,472
Trading account gains and fees	$0	142
Additional Noninterest Income	$140,000	3,072
Total noninterest expense	$1,409,000	2,997
Salaries and employee benefits	$759,000	3,049
Premises and equipment expense	$156,000	2,995
Additional noninterest expense	$494,000	2,795
Pre-tax net operating income	$379,000	3,494
Securities gains (losses)	$0	2,077
Applicable income taxes	$121,000	2,284
Income before extraordinary items	$258,000	3,874
Extraordinary gains, net	$0	12
Net income	$258,000	3,871
Minority interest net income	$0	62
Net income of bank and minority interests.	$258,000	3,872
Net charge-offs	$-5,000	4,858
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$258,000	3,814
2015-12-31 (YTD Data)		Rank
Total interest income	$6,880,000	3,149
Total interest expense	$978,000	2,450
Net interest income	$5,902,000	3,223
Provision for loan and lease losses	$0	4,380
Total noninterest income	$675,000	3,703
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$73,000	5,066
Trading account gains and fees	$0	159
Additional Noninterest Income	$602,000	3,031
Total noninterest expense	$5,380,000	3,066
Salaries and employee benefits	$2,764,000	3,190
Premises and equipment expense	$634,000	2,995
Additional noninterest expense	$1,982,000	2,813
Pre-tax net operating income	$1,197,000	3,843
Securities gains (losses)	$0	3,216
Applicable income taxes	$338,000	2,559
Income before extraordinary items	$859,000	4,145
Extraordinary gains, net	$0	23
Net income	$859,000	4,144
Minority interest net income	$0	81
Net income of bank and minority interests.	$859,000	4,145
Net charge-offs	$75,000	2,923
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$859,000	4,091
2015-09-30 (YTD Data)		Rank
Total interest income	$5,079,000	3,211
Total interest expense	$730,000	2,493
Net interest income	$4,349,000	3,286
Provision for loan and lease losses	$0	4,232
Total noninterest income	$508,000	3,709
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$53,000	5,151
Trading account gains and fees	$0	153
Additional Noninterest Income	$455,000	3,041
Total noninterest expense	$4,004,000	3,110
Salaries and employee benefits	$2,067,000	3,226
Premises and equipment expense	$502,000	2,946
Additional noninterest expense	$1,435,000	2,883
Pre-tax net operating income	$853,000	3,993
Securities gains (losses)	$0	3,031
Applicable income taxes	$228,000	2,714
Income before extraordinary items	$625,000	4,266
Extraordinary gains, net	$0	21
Net income	$625,000	4,267
Minority interest net income	$0	78
Net income of bank and minority interests.	$625,000	4,269
Net charge-offs	$87,000	2,303
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$625,000	4,211
2015-06-30 (YTD Data)		Rank
Total interest income	$3,360,000	3,242
Total interest expense	$491,000	2,490
Net interest income	$2,869,000	3,317
Provision for loan and lease losses	$0	4,069
Total noninterest income	$370,000	3,570
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$35,000	5,184
Trading account gains and fees	$0	157
Additional Noninterest Income	$335,000	2,921
Total noninterest expense	$2,717,000	3,101
Salaries and employee benefits	$1,376,000	3,251
Premises and equipment expense	$333,000	2,947
Additional noninterest expense	$1,008,000	2,790
Pre-tax net operating income	$522,000	4,114
Securities gains (losses)	$0	2,636
Applicable income taxes	$122,000	2,883
Income before extraordinary items	$400,000	4,295
Extraordinary gains, net	$0	22
Net income	$400,000	4,298
Minority interest net income	$0	75
Net income of bank and minority interests.	$400,000	4,298
Net charge-offs	$33,000	2,635
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$400,000	4,238
2015-03-31 (YTD Data)		Rank
Total interest income	$1,702,000	3,218
Total interest expense	$256,000	2,442
Net interest income	$1,446,000	3,305
Provision for loan and lease losses	$0	3,703
Total noninterest income	$192,000	3,499
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$16,000	5,276
Trading account gains and fees	$0	152
Additional Noninterest Income	$176,000	2,800
Total noninterest expense	$1,401,000	3,047
Salaries and employee benefits	$785,000	3,008
Premises and equipment expense	$154,000	3,140
Additional noninterest expense	$462,000	2,968
Pre-tax net operating income	$237,000	4,221
Securities gains (losses)	$0	2,027
Applicable income taxes	$76,000	2,685
Income before extraordinary items	$161,000	4,603
Extraordinary gains, net	$0	13
Net income	$161,000	4,605
Minority interest net income	$0	64
Net income of bank and minority interests.	$161,000	4,607
Net charge-offs	$32,000	1,842
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$161,000	4,525
2014-12-31 (YTD Data)		Rank
Total interest income	$6,885,000	3,220
Total interest expense	$1,211,000	2,246
Net interest income	$5,674,000	3,373
Provision for loan and lease losses	$0	4,603
Total noninterest income	$844,000	3,393
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$93,000	5,097
Trading account gains and fees	$0	180
Additional Noninterest Income	$751,000	2,723
Total noninterest expense	$5,574,000	3,092
Salaries and employee benefits	$3,010,000	3,068
Premises and equipment expense	$645,000	3,073
Additional noninterest expense	$1,919,000	2,982
Pre-tax net operating income	$944,000	4,242
Securities gains (losses)	$0	3,259
Applicable income taxes	$316,000	2,600
Income before extraordinary items	$628,000	4,639
Extraordinary gains, net	$0	17
Net income	$628,000	4,640
Minority interest net income	$0	84
Net income of bank and minority interests.	$628,000	4,640
Net charge-offs	$285,000	2,078
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$628,000	4,580
2014-09-30 (YTD Data)		Rank
Total interest income	$5,122,000	3,269
Total interest expense	$935,000	2,222
Net interest income	$4,187,000	3,428
Provision for loan and lease losses	$0	4,401
Total noninterest income	$617,000	3,468
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$71,000	5,142
Trading account gains and fees	$0	174
Additional Noninterest Income	$546,000	2,789
Total noninterest expense	$4,117,000	3,126
Salaries and employee benefits	$2,232,000	3,118
Premises and equipment expense	$481,000	3,119
Additional noninterest expense	$1,404,000	3,036
Pre-tax net operating income	$687,000	4,392
Securities gains (losses)	$0	2,980
Applicable income taxes	$230,000	2,691
Income before extraordinary items	$457,000	4,733
Extraordinary gains, net	$0	15
Net income	$457,000	4,733
Minority interest net income	$0	81
Net income of bank and minority interests.	$457,000	4,734
Net charge-offs	$189,000	2,055
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$457,000	4,688
2014-06-30 (YTD Data)		Rank
Total interest income	$3,416,000	3,269
Total interest expense	$641,000	2,205
Net interest income	$2,775,000	3,439
Provision for loan and lease losses	$0	4,196
Total noninterest income	$372,000	3,622
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$47,000	5,160
Trading account gains and fees	$0	172
Additional Noninterest Income	$325,000	2,924
Total noninterest expense	$2,717,000	3,159
Salaries and employee benefits	$1,448,000	3,192
Premises and equipment expense	$322,000	3,134
Additional noninterest expense	$947,000	3,019
Pre-tax net operating income	$430,000	4,418
Securities gains (losses)	$0	2,580
Applicable income taxes	$144,000	2,719
Income before extraordinary items	$286,000	4,808
Extraordinary gains, net	$0	20
Net income	$286,000	4,810
Minority interest net income	$0	80
Net income of bank and minority interests.	$286,000	4,811
Net charge-offs	$170,000	1,737
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$286,000	4,751
2014-03-31 (YTD Data)		Rank
Total interest income	$1,709,000	3,279
Total interest expense	$328,000	2,198
Net interest income	$1,381,000	3,469
Provision for loan and lease losses	$0	3,817
Total noninterest income	$177,000	3,683
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$22,000	5,246
Trading account gains and fees	$0	147
Additional Noninterest Income	$155,000	2,925
Total noninterest expense	$1,349,000	3,198
Salaries and employee benefits	$740,000	3,167
Premises and equipment expense	$167,000	3,107
Additional noninterest expense	$442,000	3,183
Pre-tax net operating income	$209,000	4,407
Securities gains (losses)	$0	1,715
Applicable income taxes	$70,000	2,675
Income before extraordinary items	$139,000	4,782
Extraordinary gains, net	$0	16
Net income	$139,000	4,784
Minority interest net income	$0	66
Net income of bank and minority interests.	$139,000	4,783
Net charge-offs	$30,000	2,222
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$139,000	4,731
2013-12-31 (YTD Data)		Rank
Total interest income	$7,031,000	3,239
Total interest expense	$1,621,000	2,019
Net interest income	$5,410,000	3,509
Provision for loan and lease losses	$-50,000	6,315
Total noninterest income	$807,000	3,601
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$81,000	5,505
Trading account gains and fees	$0	184
Additional Noninterest Income	$726,000	2,820
Total noninterest expense	$5,425,000	3,208
Salaries and employee benefits	$2,954,000	3,150
Premises and equipment expense	$595,000	3,333
Additional noninterest expense	$1,876,000	3,127
Pre-tax net operating income	$842,000	4,345
Securities gains (losses)	$0	3,182
Applicable income taxes	$282,000	2,683
Income before extraordinary items	$560,000	4,750
Extraordinary gains, net	$0	29
Net income	$560,000	4,754
Minority interest net income	$0	90
Net income of bank and minority interests.	$560,000	4,754
Net charge-offs	$214,000	2,939
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$560,000	4,682
2013-09-30 (YTD Data)		Rank
Total interest income	$5,295,000	3,252
Total interest expense	$1,261,000	2,023
Net interest income	$4,034,000	3,549
Provision for loan and lease losses	$-50,000	6,506
Total noninterest income	$654,000	3,521
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	$596,000	2,750
Total noninterest expense	$4,096,000	3,197
Salaries and employee benefits	$2,217,000	3,163
Premises and equipment expense	$448,000	3,354
Additional noninterest expense	$1,431,000	3,080
Pre-tax net operating income	$642,000	4,391
Securities gains (losses)	$0	3,040
Applicable income taxes	$215,000	2,734
Income before extraordinary items	$427,000	4,826
Extraordinary gains, net	$0	25
Net income	$427,000	4,827
Minority interest net income	$0	84
Net income of bank and minority interests.	$427,000	4,828
Net charge-offs	$166,000	2,763
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$427,000	4,736
2013-06-30 (YTD Data)		Rank
Total interest income	$3,489,000	3,294
Total interest expense	$872,000	1,994
Net interest income	$2,617,000	3,602
Provision for loan and lease losses	$50,000	3,593
Total noninterest income	$448,000	3,502
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$36,000	5,704
Trading account gains and fees	$0	157
Additional Noninterest Income	$412,000	2,757
Total noninterest expense	$2,635,000	3,301
Salaries and employee benefits	$1,461,000	3,204
Premises and equipment expense	$293,000	3,419
Additional noninterest expense	$881,000	3,261
Pre-tax net operating income	$380,000	4,559
Securities gains (losses)	$0	2,791
Applicable income taxes	$127,000	2,831
Income before extraordinary items	$253,000	4,989
Extraordinary gains, net	$0	22
Net income	$253,000	4,992
Minority interest net income	$0	82
Net income of bank and minority interests.	$253,000	4,993
Net charge-offs	$108,000	2,678
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$253,000	4,867
2013-03-31 (YTD Data)		Rank
Total interest income	$1,803,000	3,237
Total interest expense	$449,000	1,993
Net interest income	$1,354,000	3,545
Provision for loan and lease losses	$50,000	2,783
Total noninterest income	$218,000	3,512
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$17,000	5,778
Trading account gains and fees	$0	148
Additional Noninterest Income	$201,000	2,770
Total noninterest expense	$1,295,000	3,354
Salaries and employee benefits	$714,000	3,276
Premises and equipment expense	$149,000	3,396
Additional noninterest expense	$432,000	3,325
Pre-tax net operating income	$227,000	4,283
Securities gains (losses)	$0	1,966
Applicable income taxes	$76,000	2,655
Income before extraordinary items	$151,000	4,714
Extraordinary gains, net	$0	10
Net income	$151,000	4,715
Minority interest net income	$0	76
Net income of bank and minority interests.	$151,000	4,716
Net charge-offs	$80,000	2,061
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$151,000	4,618
2012-12-31 (YTD Data)		Rank
Total interest income	$8,231,000	3,033
Total interest expense	$2,225,000	1,956
Net interest income	$6,006,000	3,376
Provision for loan and lease losses	$375,000	3,092
Total noninterest income	$1,036,000	3,200
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$96,000	5,500
Trading account gains and fees	$0	166
Additional Noninterest Income	$940,000	2,458
Total noninterest expense	$5,115,000	3,411
Salaries and employee benefits	$2,824,000	3,254
Premises and equipment expense	$579,000	3,475
Additional noninterest expense	$1,712,000	3,474
Pre-tax net operating income	$1,552,000	3,279
Securities gains (losses)	$0	3,810
Applicable income taxes	$335,000	2,563
Income before extraordinary items	$1,217,000	3,509
Extraordinary gains, net	$0	29
Net income	$1,217,000	3,511
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,217,000	3,512
Net charge-offs	$362,000	3,061
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,217,000	3,367
2012-09-30 (YTD Data)		Rank
Total interest income	$6,371,000	3,012
Total interest expense	$1,741,000	1,961
Net interest income	$4,630,000	3,359
Provision for loan and lease losses	$262,000	3,162
Total noninterest income	$821,000	3,115
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$72,000	5,575
Trading account gains and fees	$0	157
Additional Noninterest Income	$749,000	2,363
Total noninterest expense	$3,762,000	3,481
Salaries and employee benefits	$2,102,000	3,306
Premises and equipment expense	$440,000	3,484
Additional noninterest expense	$1,220,000	3,611
Pre-tax net operating income	$1,427,000	2,979
Securities gains (losses)	$0	3,575
Applicable income taxes	$293,000	2,493
Income before extraordinary items	$1,134,000	3,184
Extraordinary gains, net	$0	20
Net income	$1,134,000	3,184
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,134,000	3,183
Net charge-offs	$324,000	2,728
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,134,000	3,035
2012-06-30 (YTD Data)		Rank
Total interest income	$4,372,000	2,975
Total interest expense	$1,218,000	1,934
Net interest income	$3,154,000	3,300
Provision for loan and lease losses	$175,000	3,168
Total noninterest income	$431,000	3,517
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$46,000	5,648
Trading account gains and fees	$0	153
Additional Noninterest Income	$385,000	2,692
Total noninterest expense	$2,508,000	3,491
Salaries and employee benefits	$1,392,000	3,337
Premises and equipment expense	$294,000	3,480
Additional noninterest expense	$822,000	3,599
Pre-tax net operating income	$902,000	3,062
Securities gains (losses)	$0	3,178
Applicable income taxes	$117,000	2,939
Income before extraordinary items	$785,000	3,083
Extraordinary gains, net	$0	19
Net income	$785,000	3,082
Minority interest net income	$0	84
Net income of bank and minority interests.	$785,000	3,083
Net charge-offs	$296,000	2,338
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$785,000	2,929
2012-03-31 (YTD Data)		Rank
Total interest income	$2,199,000	2,987
Total interest expense	$640,000	1,916
Net interest income	$1,559,000	3,350
Provision for loan and lease losses	$88,000	3,071
Total noninterest income	$187,000	3,781
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$22,000	5,685
Trading account gains and fees	$0	148
Additional Noninterest Income	$165,000	2,931
Total noninterest expense	$1,315,000	3,397
Salaries and employee benefits	$695,000	3,361
Premises and equipment expense	$138,000	3,667
Additional noninterest expense	$482,000	3,186
Pre-tax net operating income	$343,000	3,595
Securities gains (losses)	$0	2,210
Applicable income taxes	$115,000	2,312
Income before extraordinary items	$228,000	4,160
Extraordinary gains, net	$0	19
Net income	$228,000	4,164
Minority interest net income	$0	78
Net income of bank and minority interests.	$228,000	4,164
Net charge-offs	$279,000	1,555
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$228,000	4,012
2011-12-31 (YTD Data)		Rank
Total interest income	$9,638,000	2,843
Total interest expense	$3,088,000	1,909
Net interest income	$6,550,000	3,237
Provision for loan and lease losses	$500,000	3,454
Total noninterest income	$549,000	4,240
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	6,974
Trading account gains and fees	$0	146
Additional Noninterest Income	$549,000	2,987
Total noninterest expense	$5,163,000	3,447
Salaries and employee benefits	$3,010,000	3,110
Premises and equipment expense	$1,060,000	2,295
Additional noninterest expense	$1,093,000	4,702
Pre-tax net operating income	$1,436,000	3,103
Securities gains (losses)	$0	3,838
Applicable income taxes	$532,000	1,973
Income before extraordinary items	$904,000	3,740
Extraordinary gains, net	$0	29
Net income	$904,000	3,743
Minority interest net income	$0	96
Net income of bank and minority interests.	$904,000	3,743
Net charge-offs	$228,000	4,142
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$904,000	3,617
2011-09-30 (YTD Data)		Rank
Total interest income	$7,316,000	2,846
Total interest expense	$2,398,000	1,926
Net interest income	$4,918,000	3,251
Provision for loan and lease losses	$440,000	3,094
Total noninterest income	$377,000	4,436
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,025
Trading account gains and fees	$0	145
Additional Noninterest Income	$377,000	3,135
Total noninterest expense	$3,887,000	3,440
Salaries and employee benefits	$2,274,000	3,099
Premises and equipment expense	$777,000	2,362
Additional noninterest expense	$836,000	4,657
Pre-tax net operating income	$968,000	3,365
Securities gains (losses)	$0	3,555
Applicable income taxes	$375,000	2,005
Income before extraordinary items	$593,000	4,052
Extraordinary gains, net	$0	21
Net income	$593,000	4,053
Minority interest net income	$0	87
Net income of bank and minority interests.	$593,000	4,054
Net charge-offs	$169,000	3,901
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$593,000	3,938
2011-06-30 (YTD Data)		Rank
Total interest income	$4,921,000	2,850
Total interest expense	$1,647,000	1,940
Net interest income	$3,274,000	3,272
Provision for loan and lease losses	$370,000	2,692
Total noninterest income	$229,000	4,633
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,067
Trading account gains and fees	$0	153
Additional Noninterest Income	$229,000	3,286
Total noninterest expense	$2,645,000	3,436
Salaries and employee benefits	$1,549,000	3,068
Premises and equipment expense	$518,000	2,381
Additional noninterest expense	$578,000	4,628
Pre-tax net operating income	$488,000	3,865
Securities gains (losses)	$0	2,914
Applicable income taxes	$214,000	2,159
Income before extraordinary items	$274,000	4,582
Extraordinary gains, net	$0	15
Net income	$274,000	4,580
Minority interest net income	$0	89
Net income of bank and minority interests.	$274,000	4,582
Net charge-offs	$121,000	3,656
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$274,000	4,501
2011-03-31 (YTD Data)		Rank
Total interest income	$2,460,000	2,863
Total interest expense	$845,000	1,958
Net interest income	$1,615,000	3,289
Provision for loan and lease losses	$260,000	2,135
Total noninterest income	$130,000	4,440
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,070
Trading account gains and fees	$0	158
Additional Noninterest Income	$130,000	3,138
Total noninterest expense	$1,372,000	3,343
Salaries and employee benefits	$814,000	2,952
Premises and equipment expense	$261,000	2,397
Additional noninterest expense	$297,000	4,558
Pre-tax net operating income	$113,000	5,000
Securities gains (losses)	$0	1,772
Applicable income taxes	$38,000	3,035
Income before extraordinary items	$75,000	5,351
Extraordinary gains, net	$0	9
Net income	$75,000	5,350
Minority interest net income	$0	86
Net income of bank and minority interests.	$75,000	5,351
Net charge-offs	$52,000	3,315
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$75,000	5,295
2010-12-31 (YTD Data)		Rank
Total interest income	$10,916,000	2,737
Total interest expense	$3,712,000	2,135
Net interest income	$7,204,000	2,998
Provision for loan and lease losses	$740,000	3,514
Total noninterest income	$682,000	3,991
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$682,000	2,727
Total noninterest expense	$5,425,000	3,373
Salaries and employee benefits	$3,206,000	2,948
Premises and equipment expense	$1,062,000	2,349
Additional noninterest expense	$1,157,000	4,703
Pre-tax net operating income	$1,721,000	2,503
Securities gains (losses)	$-21,000	7,085
Applicable income taxes	$475,000	1,934
Income before extraordinary items	$1,225,000	2,870
Extraordinary gains, net	$0	29
Net income	$1,225,000	2,867
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,225,000	2,871
Net charge-offs	$363,000	4,058
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,240,120	2,743
2010-09-30 (YTD Data)		Rank
Total interest income	$8,271,000	2,774
Total interest expense	$2,823,000	2,198
Net interest income	$5,448,000	3,017
Provision for loan and lease losses	$450,000	3,704
Total noninterest income	$474,000	4,176
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	165
Additional Noninterest Income	$474,000	2,845
Total noninterest expense	$4,083,000	3,352
Salaries and employee benefits	$2,415,000	2,948
Premises and equipment expense	$795,000	2,398
Additional noninterest expense	$873,000	4,677
Pre-tax net operating income	$1,389,000	2,529
Securities gains (losses)	$0	3,651
Applicable income taxes	$386,000	1,911
Income before extraordinary items	$1,003,000	2,878
Extraordinary gains, net	$0	23
Net income	$1,003,000	2,873
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,003,000	2,877
Net charge-offs	$198,000	4,238
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,003,000	2,742
2010-06-30 (YTD Data)		Rank
Total interest income	$5,599,000	2,765
Total interest expense	$1,915,000	2,244
Net interest income	$3,684,000	2,980
Provision for loan and lease losses	$325,000	3,481
Total noninterest income	$316,000	4,159
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	152
Additional Noninterest Income	$316,000	2,766
Total noninterest expense	$2,747,000	3,341
Salaries and employee benefits	$1,621,000	2,939
Premises and equipment expense	$516,000	2,466
Additional noninterest expense	$610,000	4,545
Pre-tax net operating income	$928,000	2,528
Securities gains (losses)	$0	3,184
Applicable income taxes	$272,000	1,829
Income before extraordinary items	$656,000	2,884
Extraordinary gains, net	$0	19
Net income	$656,000	2,880
Minority interest net income	$0	105
Net income of bank and minority interests.	$656,000	2,882
Net charge-offs	$153,000	3,805
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$656,000	2,776
2010-03-31 (YTD Data)		Rank
Total interest income	$2,821,000	2,792
Total interest expense	$980,000	2,296
Net interest income	$1,841,000	3,005
Provision for loan and lease losses	$125,000	3,660
Total noninterest income	$99,000	5,072
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$99,000	3,543
Total noninterest expense	$1,327,000	3,479
Salaries and employee benefits	$809,000	2,984
Premises and equipment expense	$250,000	2,599
Additional noninterest expense	$268,000	4,915
Pre-tax net operating income	$488,000	2,453
Securities gains (losses)	$0	2,284
Applicable income taxes	$163,000	1,645
Income before extraordinary items	$325,000	2,980
Extraordinary gains, net	$0	16
Net income	$325,000	2,976
Minority interest net income	$0	91
Net income of bank and minority interests.	$325,000	2,980
Net charge-offs	$156,000	2,681
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$325,000	2,874
2009-12-31 (YTD Data)		Rank
Total interest income	$11,502,000	2,865
Total interest expense	$4,744,000	2,378
Net interest income	$6,758,000	3,142
Provision for loan and lease losses	$760,000	3,914
Total noninterest income	$355,000	5,332
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	211
Additional Noninterest Income	$355,000	3,717
Total noninterest expense	$5,041,000	3,665
Salaries and employee benefits	$2,966,000	3,208
Premises and equipment expense	$973,000	2,640
Additional noninterest expense	$1,102,000	4,964
Pre-tax net operating income	$1,312,000	2,562
Securities gains (losses)	$76,000	2,337
Applicable income taxes	$483,000	1,588
Income before extraordinary items	$905,000	2,938
Extraordinary gains, net	$0	34
Net income	$905,000	2,937
Minority interest net income	$0	115
Net income of bank and minority interests.	$905,000	2,938
Net charge-offs	$236,000	4,789
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$855,600	2,970
2009-09-30 (YTD Data)		Rank
Total interest income	$8,652,000	2,900
Total interest expense	$3,685,000	2,395
Net interest income	$4,967,000	3,210
Provision for loan and lease losses	$260,000	4,812
Total noninterest income	$236,000	5,603
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	212
Additional Noninterest Income	$236,000	3,997
Total noninterest expense	$3,736,000	3,704
Salaries and employee benefits	$2,186,000	3,292
Premises and equipment expense	$723,000	2,707
Additional noninterest expense	$827,000	4,971
Pre-tax net operating income	$1,207,000	2,426
Securities gains (losses)	$76,000	2,013
Applicable income taxes	$448,000	1,515
Income before extraordinary items	$835,000	2,792
Extraordinary gains, net	$0	27
Net income	$835,000	2,789
Minority interest net income	$0	118
Net income of bank and minority interests.	$835,000	2,792
Net charge-offs	$108,000	4,991
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$785,600	2,832
2009-06-30 (YTD Data)		Rank
Total interest income	$5,793,000	2,917
Total interest expense	$2,527,000	2,429
Net interest income	$3,266,000	3,226
Provision for loan and lease losses	$215,000	4,228
Total noninterest income	$141,000	5,829
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	193
Additional Noninterest Income	$141,000	4,233
Total noninterest expense	$2,455,000	3,784
Salaries and employee benefits	$1,421,000	3,388
Premises and equipment expense	$470,000	2,799
Additional noninterest expense	$564,000	4,902
Pre-tax net operating income	$737,000	2,666
Securities gains (losses)	$76,000	1,654
Applicable income taxes	$291,000	1,563
Income before extraordinary items	$522,000	3,012
Extraordinary gains, net	$0	21
Net income	$522,000	3,010
Minority interest net income	$0	112
Net income of bank and minority interests.	$522,000	3,011
Net charge-offs	$41,000	5,092
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$473,360	3,084
2009-03-31 (YTD Data)		Rank
Total interest income	$2,913,000	2,937
Total interest expense	$1,293,000	2,459
Net interest income	$1,620,000	3,232
Provision for loan and lease losses	$150,000	3,210
Total noninterest income	$53,000	6,292
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	171
Additional Noninterest Income	$53,000	4,730
Total noninterest expense	$1,095,000	4,036
Salaries and employee benefits	$675,000	3,581
Premises and equipment expense	$236,000	2,812
Additional noninterest expense	$184,000	5,798
Pre-tax net operating income	$428,000	2,673
Securities gains (losses)	$19,000	1,701
Applicable income taxes	$143,000	1,790
Income before extraordinary items	$304,000	3,111
Extraordinary gains, net	$0	15
Net income	$304,000	3,112
Minority interest net income	$0	102
Net income of bank and minority interests.	$304,000	3,112
Net charge-offs	$27,000	4,102
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$291,080	3,037
2008-12-31 (YTD Data)		Rank
Total interest income	$12,186,000	2,996
Total interest expense	$6,170,000	2,451
Net interest income	$6,016,000	3,472
Provision for loan and lease losses	$330,000	4,460
Total noninterest income	$360,000	5,486
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	154
Additional Noninterest Income	$360,000	3,767
Total noninterest expense	$4,037,000	4,207
Salaries and employee benefits	$2,480,000	3,800
Premises and equipment expense	$897,000	2,878
Additional noninterest expense	$660,000	5,979
Pre-tax net operating income	$2,009,000	2,444
Securities gains (losses)	$62,000	1,458
Applicable income taxes	$663,000	1,571
Income before extraordinary items	$1,408,000	2,623
Extraordinary gains, net	$0	39
Net income	$1,408,000	2,622
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$155,000	4,432
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,365,840	2,823
2008-09-30 (YTD Data)		Rank
Total interest income	$9,219,000	3,036
Total interest expense	$4,808,000	2,459
Net interest income	$4,411,000	3,556
Provision for loan and lease losses	$127,000	4,849
Total noninterest income	$275,000	5,536
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$275,000	3,832
Total noninterest expense	$3,010,000	4,211
Salaries and employee benefits	$1,844,000	3,850
Premises and equipment expense	$682,000	2,872
Additional noninterest expense	$484,000	5,995
Pre-tax net operating income	$1,549,000	2,771
Securities gains (losses)	$51,000	1,403
Applicable income taxes	$512,000	1,875
Income before extraordinary items	$1,088,000	2,934
Extraordinary gains, net	$0	31
Net income	$1,088,000	2,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	4,665
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,053,320	3,153
2008-06-30 (YTD Data)		Rank
Total interest income	$6,245,000	3,043
Total interest expense	$3,427,000	2,412
Net interest income	$2,818,000	3,664
Provision for loan and lease losses	$18,000	6,030
Total noninterest income	$187,000	5,577
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$187,000	3,893
Total noninterest expense	$1,988,000	4,248
Salaries and employee benefits	$1,233,000	3,887
Premises and equipment expense	$440,000	2,955
Additional noninterest expense	$315,000	6,061
Pre-tax net operating income	$999,000	2,952
Securities gains (losses)	$40,000	1,598
Applicable income taxes	$332,000	2,084
Income before extraordinary items	$707,000	3,307
Extraordinary gains, net	$0	21
Net income	$707,000	3,306
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,802
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$679,800	3,324
2008-03-31 (YTD Data)		Rank
Total interest income	$3,151,000	3,085
Total interest expense	$1,817,000	2,437
Net interest income	$1,334,000	3,797
Provision for loan and lease losses	$9,000	5,509
Total noninterest income	$87,000	5,705
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$87,000	4,033
Total noninterest expense	$988,000	4,274
Salaries and employee benefits	$613,000	3,910
Premises and equipment expense	$211,000	3,079
Additional noninterest expense	$164,000	5,934
Pre-tax net operating income	$424,000	3,411
Securities gains (losses)	$17,000	1,682
Applicable income taxes	$141,000	2,399
Income before extraordinary items	$300,000	3,797
Extraordinary gains, net	$0	15
Net income	$300,000	3,801
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	$288,440	3,808
2007-12-31 (YTD Data)		Rank
Total interest income	$12,481,000	3,176
Total interest expense	$7,448,000	2,475
Net interest income	$5,033,000	3,982
Provision for loan and lease losses	$36,000	5,943
Total noninterest income	$372,000	5,643
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$372,000	3,869
Total noninterest expense	$3,876,000	4,220
Salaries and employee benefits	$2,366,000	3,884
Premises and equipment expense	$841,000	2,965
Additional noninterest expense	$669,000	5,853
Pre-tax net operating income	$1,493,000	3,909
Securities gains (losses)	$24,000	1,047
Applicable income taxes	$454,000	2,857
Income before extraordinary items	$1,063,000	4,180
Extraordinary gains, net	$0	39
Net income	$1,063,000	4,182
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	5,430
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,046,200	4,205
2007-09-30 (YTD Data)		Rank
Total interest income	$9,295,000	3,196
Total interest expense	$5,565,000	2,482
Net interest income	$3,730,000	4,028
Provision for loan and lease losses	$27,000	5,609
Total noninterest income	$301,000	5,529
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$301,000	3,736
Total noninterest expense	$2,899,000	4,196
Salaries and employee benefits	$1,788,000	3,852
Premises and equipment expense	$614,000	3,019
Additional noninterest expense	$497,000	5,826
Pre-tax net operating income	$1,105,000	4,136
Securities gains (losses)	$19,000	847
Applicable income taxes	$328,000	3,078
Income before extraordinary items	$796,000	4,359
Extraordinary gains, net	$0	33
Net income	$796,000	4,359
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,022
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$782,510	4,388
2007-06-30 (YTD Data)		Rank
Total interest income	$6,161,000	3,219
Total interest expense	$3,659,000	2,524
Net interest income	$2,502,000	4,020
Provision for loan and lease losses	$18,000	5,390
Total noninterest income	$176,000	5,837
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$176,000	4,032
Total noninterest expense	$1,948,000	4,204
Salaries and employee benefits	$1,211,000	3,843
Premises and equipment expense	$410,000	3,039
Additional noninterest expense	$327,000	5,870
Pre-tax net operating income	$712,000	4,278
Securities gains (losses)	$18,000	734
Applicable income taxes	$202,000	3,255
Income before extraordinary items	$528,000	4,448
Extraordinary gains, net	$0	29
Net income	$528,000	4,448
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	3,915
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$515,040	4,482
2007-03-31 (YTD Data)		Rank
Total interest income	$3,057,000	3,230
Total interest expense	$1,788,000	2,561
Net interest income	$1,269,000	3,983
Provision for loan and lease losses	$9,000	5,108
Total noninterest income	$93,000	5,686
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$93,000	3,879
Total noninterest expense	$981,000	4,203
Salaries and employee benefits	$615,000	3,826
Premises and equipment expense	$214,000	2,952
Additional noninterest expense	$152,000	6,088
Pre-tax net operating income	$372,000	4,170
Securities gains (losses)	$10,000	691
Applicable income taxes	$134,000	2,887
Income before extraordinary items	$248,000	4,579
Extraordinary gains, net	$0	22
Net income	$248,000	4,581
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	2,916
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$241,500	4,635
2006-12-31 (YTD Data)		Rank
Total interest income	$11,477,000	3,217
Total interest expense	$6,449,000	2,435
Net interest income	$5,028,000	3,990
Provision for loan and lease losses	$36,000	5,879
Total noninterest income	$822,000	3,986
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$822,000	2,545
Total noninterest expense	$3,833,000	4,114
Salaries and employee benefits	$2,339,000	3,802
Premises and equipment expense	$767,000	3,105
Additional noninterest expense	$727,000	5,541
Pre-tax net operating income	$1,981,000	3,673
Securities gains (losses)	$267,000	336
Applicable income taxes	$748,000	2,574
Income before extraordinary items	$1,500,000	3,776
Extraordinary gains, net	$0	51
Net income	$1,500,000	3,775
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,859
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,321,110	4,035
2006-09-30 (YTD Data)		Rank
Total interest income	$8,452,000	3,244
Total interest expense	$4,644,000	2,463
Net interest income	$3,808,000	3,986
Provision for loan and lease losses	$27,000	5,738
Total noninterest income	$720,000	3,652
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$720,000	2,286
Total noninterest expense	$2,860,000	4,119
Salaries and employee benefits	$1,761,000	3,784
Premises and equipment expense	$554,000	3,201
Additional noninterest expense	$545,000	5,524
Pre-tax net operating income	$1,641,000	3,576
Securities gains (losses)	$0	1,388
Applicable income taxes	$535,000	2,770
Income before extraordinary items	$1,106,000	3,919
Extraordinary gains, net	$0	45
Net income	$1,106,000	3,923
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,687
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,106,000	3,909
2006-06-30 (YTD Data)		Rank
Total interest income	$5,561,000	3,238
Total interest expense	$2,986,000	2,449
Net interest income	$2,575,000	3,959
Provision for loan and lease losses	$18,000	5,601
Total noninterest income	$625,000	3,040
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$625,000	1,901
Total noninterest expense	$1,893,000	4,146
Salaries and employee benefits	$1,193,000	3,761
Premises and equipment expense	$364,000	3,218
Additional noninterest expense	$336,000	5,731
Pre-tax net operating income	$1,289,000	3,201
Securities gains (losses)	$0	1,185
Applicable income taxes	$412,000	2,579
Income before extraordinary items	$877,000	3,510
Extraordinary gains, net	$0	39
Net income	$877,000	3,513
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,074
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$877,000	3,495
2006-03-31 (YTD Data)		Rank
Total interest income	$2,779,000	3,171
Total interest expense	$1,444,000	2,406
Net interest income	$1,335,000	3,862
Provision for loan and lease losses	$9,000	5,345
Total noninterest income	$534,000	2,092
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$534,000	1,280
Total noninterest expense	$975,000	4,087
Salaries and employee benefits	$619,000	3,665
Premises and equipment expense	$191,000	3,125
Additional noninterest expense	$165,000	5,767
Pre-tax net operating income	$885,000	2,499
Securities gains (losses)	$0	955
Applicable income taxes	$341,000	1,846
Income before extraordinary items	$544,000	2,953
Extraordinary gains, net	$0	21
Net income	$544,000	2,952
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	$544,000	2,937
2005-12-31 (YTD Data)		Rank
Total interest income	$9,978,000	3,162
Total interest expense	$4,370,000	2,469
Net interest income	$5,608,000	3,630
Provision for loan and lease losses	$48,000	5,807
Total noninterest income	$263,000	6,579
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$263,000	4,618
Total noninterest expense	$3,836,000	3,995
Salaries and employee benefits	$2,341,000	3,667
Premises and equipment expense	$781,000	2,961
Additional noninterest expense	$714,000	5,530
Pre-tax net operating income	$1,987,000	3,697
Securities gains (losses)	$0	2,296
Applicable income taxes	$764,000	2,675
Income before extraordinary items	$1,223,000	4,296
Extraordinary gains, net	$0	46
Net income	$1,223,000	4,297
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,381
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,223,000	4,266
2005-09-30 (YTD Data)		Rank
Total interest income	$7,342,000	3,157
Total interest expense	$3,044,000	2,508
Net interest income	$4,298,000	3,547
Provision for loan and lease losses	$36,000	5,642
Total noninterest income	$165,000	6,936
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$165,000	5,014
Total noninterest expense	$2,869,000	3,970
Salaries and employee benefits	$1,765,000	3,626
Premises and equipment expense	$595,000	2,899
Additional noninterest expense	$509,000	5,640
Pre-tax net operating income	$1,558,000	3,645
Securities gains (losses)	$0	2,317
Applicable income taxes	$599,000	2,642
Income before extraordinary items	$959,000	4,281
Extraordinary gains, net	$0	35
Net income	$959,000	4,282
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,856
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$959,000	4,228
2005-06-30 (YTD Data)		Rank
Total interest income	$4,805,000	3,148
Total interest expense	$1,886,000	2,532
Net interest income	$2,919,000	3,473
Provision for loan and lease losses	$24,000	5,514
Total noninterest income	$75,000	7,500
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$75,000	5,733
Total noninterest expense	$1,927,000	3,929
Salaries and employee benefits	$1,191,000	3,580
Premises and equipment expense	$393,000	2,890
Additional noninterest expense	$343,000	5,594
Pre-tax net operating income	$1,043,000	3,603
Securities gains (losses)	$0	2,146
Applicable income taxes	$401,000	2,611
Income before extraordinary items	$642,000	4,244
Extraordinary gains, net	$0	30
Net income	$642,000	4,245
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	5,136
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$642,000	4,190
2005-03-31 (YTD Data)		Rank
Total interest income	$2,398,000	3,101
Total interest expense	$904,000	2,530
Net interest income	$1,494,000	3,426
Provision for loan and lease losses	$12,000	5,254
Total noninterest income	$40,000	7,415
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$40,000	5,645
Total noninterest expense	$952,000	3,992
Salaries and employee benefits	$600,000	3,568
Premises and equipment expense	$195,000	2,941
Additional noninterest expense	$157,000	5,849
Pre-tax net operating income	$570,000	3,348
Securities gains (losses)	$0	1,685
Applicable income taxes	$219,000	2,455
Income before extraordinary items	$351,000	3,955
Extraordinary gains, net	$0	24
Net income	$351,000	3,957
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	$351,000	3,908
2004-12-31 (YTD Data)		Rank
Total interest income	$9,171,000	3,055
Total interest expense	$3,423,000	2,352
Net interest income	$5,748,000	3,399
Provision for loan and lease losses	$60,000	5,645
Total noninterest income	$192,000	7,218
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$192,000	5,186
Total noninterest expense	$3,726,000	3,967
Salaries and employee benefits	$2,306,000	3,559
Premises and equipment expense	$747,000	2,957
Additional noninterest expense	$673,000	5,649
Pre-tax net operating income	$2,154,000	3,346
Securities gains (losses)	$0	3,819
Applicable income taxes	$830,000	2,471
Income before extraordinary items	$1,324,000	3,941
Extraordinary gains, net	$0	34
Net income	$1,324,000	3,943
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	3,728
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,324,000	3,879
2004-09-30 (YTD Data)		Rank
Total interest income	$6,787,000	3,059
Total interest expense	$2,545,000	2,317
Net interest income	$4,242,000	3,434
Provision for loan and lease losses	$25,000	6,158
Total noninterest income	$143,000	7,277
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$143,000	5,219
Total noninterest expense	$2,763,000	3,966
Salaries and employee benefits	$1,734,000	3,536
Premises and equipment expense	$564,000	2,936
Additional noninterest expense	$465,000	5,840
Pre-tax net operating income	$1,597,000	3,436
Securities gains (losses)	$0	3,710
Applicable income taxes	$616,000	2,526
Income before extraordinary items	$981,000	4,053
Extraordinary gains, net	$0	26
Net income	$981,000	4,053
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	2,903
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$981,000	3,986
2004-06-30 (YTD Data)		Rank
Total interest income	$4,464,000	3,078
Total interest expense	$1,704,000	2,288
Net interest income	$2,760,000	3,491
Provision for loan and lease losses	$10,000	6,364
Total noninterest income	$114,000	6,996
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$114,000	4,901
Total noninterest expense	$1,834,000	4,015
Salaries and employee benefits	$1,157,000	3,556
Premises and equipment expense	$377,000	2,935
Additional noninterest expense	$300,000	5,980
Pre-tax net operating income	$1,030,000	3,466
Securities gains (losses)	$0	3,413
Applicable income taxes	$397,000	2,580
Income before extraordinary items	$633,000	4,100
Extraordinary gains, net	$0	21
Net income	$633,000	4,101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	3,118
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$633,000	4,017
2004-03-31 (YTD Data)		Rank
Total interest income	$2,222,000	3,099
Total interest expense	$862,000	2,286
Net interest income	$1,360,000	3,525
Provision for loan and lease losses	$5,000	6,071
Total noninterest income	$69,000	6,593
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$69,000	4,468
Total noninterest expense	$915,000	4,037
Salaries and employee benefits	$576,000	3,593
Premises and equipment expense	$190,000	2,947
Additional noninterest expense	$149,000	6,013
Pre-tax net operating income	$509,000	3,473
Securities gains (losses)	$0	2,934
Applicable income taxes	$196,000	2,616
Income before extraordinary items	$313,000	4,162
Extraordinary gains, net	$0	16
Net income	$313,000	4,161
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,876
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$313,000	4,030
2003-12-31 (YTD Data)		Rank
Total interest income	$9,185,000	3,063
Total interest expense	$4,104,000	2,165
Net interest income	$5,081,000	3,641
Provision for loan and lease losses	$10,000	7,370
Total noninterest income	$237,000	7,041
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$237,000	4,951
Total noninterest expense	$3,487,000	4,131
Salaries and employee benefits	$1,665,000	4,506
Premises and equipment expense	$493,000	4,108
Additional noninterest expense	$1,329,000	3,431
Pre-tax net operating income	$1,821,000	3,607
Securities gains (losses)	$324,000	1,006
Applicable income taxes	$729,000	2,714
Income before extraordinary items	$1,416,000	3,699
Extraordinary gains, net	$0	54
Net income	$1,416,000	3,697
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,545
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,202,160	3,977
2003-09-30 (YTD Data)		Rank
Total interest income	$6,904,000	3,090
Total interest expense	$3,205,000	2,168
Net interest income	$3,699,000	3,742
Provision for loan and lease losses	$8,000	7,260
Total noninterest income	$193,000	6,942
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$193,000	4,870
Total noninterest expense	$2,554,000	4,198
Salaries and employee benefits	$1,665,000	3,580
Premises and equipment expense	$490,000	3,275
Additional noninterest expense	$399,000	6,348
Pre-tax net operating income	$1,330,000	3,793
Securities gains (losses)	$324,000	917
Applicable income taxes	$562,000	2,797
Income before extraordinary items	$1,092,000	3,767
Extraordinary gains, net	$0	40
Net income	$1,092,000	3,766
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	8,128
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$878,160	4,190
2003-06-30 (YTD Data)		Rank
Total interest income	$4,630,000	3,096
Total interest expense	$2,223,000	2,157
Net interest income	$2,407,000	3,817
Provision for loan and lease losses	$6,000	7,004
Total noninterest income	$139,000	6,788
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$139,000	4,696
Total noninterest expense	$1,688,000	4,219
Salaries and employee benefits	$1,093,000	3,627
Premises and equipment expense	$324,000	3,289
Additional noninterest expense	$271,000	6,287
Pre-tax net operating income	$852,000	3,892
Securities gains (losses)	$324,000	765
Applicable income taxes	$399,000	2,697
Income before extraordinary items	$777,000	3,586
Extraordinary gains, net	$0	30
Net income	$777,000	3,586
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,985
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$563,160	4,253
2003-03-31 (YTD Data)		Rank
Total interest income	$2,340,000	3,085
Total interest expense	$1,141,000	2,144
Net interest income	$1,199,000	3,824
Provision for loan and lease losses	$3,000	6,662
Total noninterest income	$77,000	6,519
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$77,000	4,426
Total noninterest expense	$832,000	4,248
Salaries and employee benefits	$535,000	3,695
Premises and equipment expense	$162,000	3,275
Additional noninterest expense	$135,000	6,319
Pre-tax net operating income	$441,000	3,807
Securities gains (losses)	$224,000	616
Applicable income taxes	$226,000	2,491
Income before extraordinary items	$439,000	3,237
Extraordinary gains, net	$0	21
Net income	$439,000	3,235
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	8,300
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$291,160	4,137
2002-12-31 (YTD Data)		Rank
Total interest income	$9,822,000	3,065
Total interest expense	$5,580,000	2,021
Net interest income	$4,242,000	4,161
Provision for loan and lease losses	$4,000	8,000
Total noninterest income	$166,000	7,656
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$166,000	5,388
Total noninterest expense	$3,073,000	4,382
Salaries and employee benefits	$2,027,000	3,689
Premises and equipment expense	$546,000	3,685
Additional noninterest expense	$500,000	6,497
Pre-tax net operating income	$1,331,000	4,421
Securities gains (losses)	$319,000	861
Applicable income taxes	$562,000	3,222
Income before extraordinary items	$1,088,000	4,355
Extraordinary gains, net	$0	70
Net income	$1,088,000	4,355
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	6,624
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$877,460	4,812
2001-12-31 (YTD Data)		Rank
Total interest income	$10,968,000	3,061
Total interest expense	$7,198,000	2,227
Net interest income	$3,770,000	4,320
Provision for loan and lease losses	$90,000	5,778
Total noninterest income	$220,000	7,122
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$220,000	4,737
Total noninterest expense	$2,881,000	4,473
Salaries and employee benefits	$1,853,000	3,823
Premises and equipment expense	$556,000	3,578
Additional noninterest expense	$472,000	6,637
Pre-tax net operating income	$1,019,000	4,851
Securities gains (losses)	$0	4,612
Applicable income taxes	$239,000	4,684
Income before extraordinary items	$780,000	4,935
Extraordinary gains, net	$0	105
Net income	$780,000	4,938
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,796
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$780,000	4,815
2000-12-31 (YTD Data)		Rank
Total interest income	$10,815,000	3,179
Total interest expense	$6,661,000	2,521
Net interest income	$4,154,000	4,049
Provision for loan and lease losses	$71,000	5,956
Total noninterest income	$190,000	7,379
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$190,000	4,912
Total noninterest expense	$2,904,000	4,340
Salaries and employee benefits	$1,909,000	3,617
Premises and equipment expense	$534,000	3,598
Additional noninterest expense	$461,000	6,699
Pre-tax net operating income	$1,369,000	4,347
Securities gains (losses)	$-3,000	7,730
Applicable income taxes	$443,000	3,768
Income before extraordinary items	$923,000	4,613
Extraordinary gains, net	$0	38
Net income	$923,000	4,612
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$925,040	4,601
1999-12-31 (YTD Data)		Rank
Total interest income	$10,548,000	3,063
Total interest expense	$6,358,000	2,311
Net interest income	$4,190,000	4,014
Provision for loan and lease losses	$12,000	7,978
Total noninterest income	$180,000	7,716
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$180,000	5,187
Total noninterest expense	$2,946,000	4,275
Salaries and employee benefits	$1,867,000	3,639
Premises and equipment expense	$529,000	3,598
Additional noninterest expense	$550,000	6,150
Pre-tax net operating income	$1,412,000	4,267
Securities gains (losses)	$5,000	2,145
Applicable income taxes	$545,000	3,446
Income before extraordinary items	$872,000	4,835
Extraordinary gains, net	$0	35
Net income	$872,000	4,835
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,395
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$868,800	4,801
1998-12-31 (YTD Data)		Rank
Total interest income	$11,175,000	2,888
Total interest expense	$7,006,000	2,163
Net interest income	$4,169,000	3,988
Provision for loan and lease losses	$12,000	8,074
Total noninterest income	$186,000	7,746
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$186,000	5,150
Total noninterest expense	$2,759,000	4,427
Salaries and employee benefits	$1,736,000	3,767
Premises and equipment expense	$506,000	3,664
Additional noninterest expense	$517,000	6,321
Pre-tax net operating income	$1,584,000	4,013
Securities gains (losses)	$0	4,449
Applicable income taxes	$609,000	3,367
Income before extraordinary items	$975,000	4,600
Extraordinary gains, net	$0	32
Net income	$975,000	4,600
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	9,100
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$975,000	4,502
1997-12-31 (YTD Data)		Rank
Total interest income	$11,008,000	2,963
Total interest expense	$6,888,000	2,196
Net interest income	$4,120,000	4,135
Provision for loan and lease losses	$12,000	8,256
Total noninterest income	$196,000	7,894
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$196,000	5,008
Total noninterest expense	$2,816,000	4,317
Salaries and employee benefits	$1,815,000	3,610
Premises and equipment expense	$488,000	3,787
Additional noninterest expense	$513,000	6,401
Pre-tax net operating income	$1,488,000	4,522
Securities gains (losses)	$1,000	3,559
Applicable income taxes	$573,000	3,819
Income before extraordinary items	$916,000	4,995
Extraordinary gains, net	$0	44
Net income	$916,000	4,997
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-36,000	10,421
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$915,360	4,937
1996-12-31 (YTD Data)		Rank
Total interest income	$10,304,000	3,188
Total interest expense	$6,586,000	2,343
Net interest income	$3,718,000	4,585
Provision for loan and lease losses	$15,000	8,204
Total noninterest income	$198,000	8,258
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$198,000	5,190
Total noninterest expense	$3,493,000	3,778
Salaries and employee benefits	$1,494,000	4,319
Premises and equipment expense	$488,000	3,850
Additional noninterest expense	$1,511,000	3,094
Pre-tax net operating income	$408,000	8,457
Securities gains (losses)	$18,000	2,073
Applicable income taxes	$163,000	7,688
Income before extraordinary items	$263,000	8,721
Extraordinary gains, net	$0	53
Net income	$263,000	8,719
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,845
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$251,480	8,763
1995-12-31 (YTD Data)		Rank
Total interest income	$9,822,000	3,336
Total interest expense	$6,592,000	2,357
Net interest income	$3,230,000	5,190
Provision for loan and lease losses	$24,000	7,406
Total noninterest income	$228,000	8,019
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$228,000	4,745
Total noninterest expense	$2,530,000	4,947
Salaries and employee benefits	$1,383,000	4,611
Premises and equipment expense	$460,000	4,043
Additional noninterest expense	$687,000	5,941
Pre-tax net operating income	$904,000	6,397
Securities gains (losses)	$63,000	1,165
Applicable income taxes	$358,000	5,348
Income before extraordinary items	$609,000	6,563
Extraordinary gains, net	$0	65
Net income	$609,000	6,561
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,178
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$568,680	6,773
1994-12-31 (YTD Data)		Rank
Total interest income	$8,602,000	3,481
Total interest expense	$5,016,000	2,454
Net interest income	$3,586,000	4,843
Provision for loan and lease losses	$24,000	7,499
Total noninterest income	$163,000	9,449
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$163,000	5,950
Total noninterest expense	$2,447,000	5,253
Salaries and employee benefits	$1,308,000	4,847
Premises and equipment expense	$447,000	4,175
Additional noninterest expense	$692,000	6,380
Pre-tax net operating income	$1,278,000	5,002
Securities gains (losses)	$-44,000	10,934
Applicable income taxes	$456,000	4,342
Income before extraordinary items	$778,000	5,468
Extraordinary gains, net	$0	249
Net income	$778,000	5,483
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	8,066
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$806,160	5,391
1993-12-31 (YTD Data)		Rank
Total interest income	$8,899,000	3,455
Total interest expense	$5,313,000	2,434
Net interest income	$3,586,000	4,859
Provision for loan and lease losses	$24,000	8,778
Total noninterest income	$195,000	9,319
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$195,000	5,748
Total noninterest expense	$2,401,000	5,442
Salaries and employee benefits	$1,304,000	4,862
Premises and equipment expense	$463,000	4,143
Additional noninterest expense	$634,000	7,047
Pre-tax net operating income	$1,356,000	4,709
Securities gains (losses)	$0	7,477
Applicable income taxes	$508,000	4,127
Income before extraordinary items	$848,000	5,321
Extraordinary gains, net	$124,000	1,400
Net income	$972,000	4,936
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	7,654
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$848,000	5,098
1992-12-31 (YTD Data)		Rank
Total interest income	$10,260,000	3,398
Total interest expense	$6,741,000	2,505
Net interest income	$3,519,000	4,983
Provision for loan and lease losses	$25,000	10,242
Total noninterest income	$211,000	9,203
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$211,000	5,489
Total noninterest expense	$2,295,000	5,696
Salaries and employee benefits	$1,196,000	5,177
Premises and equipment expense	$427,000	4,551
Additional noninterest expense	$672,000	6,941
Pre-tax net operating income	$1,410,000	4,282
Securities gains (losses)	$227,000	1,838
Applicable income taxes	$524,000	3,838
Income before extraordinary items	$1,113,000	4,077
Extraordinary gains, net	$0	1,422
Net income	$1,113,000	4,125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$958,640	4,351

* 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.