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Peoples Trust Company of St. Albans, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$14,817,000	2,313
Total interest expense	$1,422,000	3,392
Net interest income	$13,395,000	1,985
Provision for loan and lease losses	$785,000	973
Total noninterest income	$3,025,000	1,624
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$692,000	1,332
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,333,000	1,481
Total noninterest expense	$12,359,000	1,779
Salaries and employee benefits	$7,133,000	1,740
Premises and equipment expense	$1,048,000	1,974
Additional noninterest expense	$2,333,000	1,481
Pre-tax net operating income	$3,276,000	2,412
Securities gains (losses)	$0	988
Applicable income taxes	$435,000	1,994
Income before extraordinary items	$2,841,000	2,400
Extraordinary gains, net	$0	54
Net income	$2,841,000	2,424
Minority interest net income	$0	88
Net income of bank and minority interests.	$2,841,000	2,402
Net charge-offs	$-60,000	4,232
Cash dividends	$561,000	2,662
Sale, conversion, retirement of capital stock, net	$-399,000	4,569
Net operating income	$2,841,000	2,409
2023-09-30 (YTD Data)		Rank
Total interest income	$10,871,000	2,309
Total interest expense	$952,000	3,411
Net interest income	$9,919,000	2,007
Provision for loan and lease losses	$475,000	1,034
Total noninterest income	$2,223,000	1,636
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$514,000	1,336
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,709,000	1,487
Total noninterest expense	$9,009,000	1,808
Salaries and employee benefits	$5,378,000	1,739
Premises and equipment expense	$753,000	2,027
Additional noninterest expense	$1,709,000	1,487
Pre-tax net operating income	$2,658,000	2,371
Securities gains (losses)	$0	849
Applicable income taxes	$374,000	1,966
Income before extraordinary items	$2,284,000	2,349
Extraordinary gains, net	$0	52
Net income	$2,284,000	2,372
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,284,000	2,351
Net charge-offs	$-11,000	3,856
Cash dividends	$418,000	2,368
Sale, conversion, retirement of capital stock, net	$-396,000	4,599
Net operating income	$2,284,000	2,375
2023-06-30 (YTD Data)		Rank
Total interest income	$7,031,000	2,321
Total interest expense	$528,000	3,466
Net interest income	$6,503,000	2,043
Provision for loan and lease losses	$325,000	978
Total noninterest income	$1,463,000	1,579
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$336,000	1,345
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,127,000	1,424
Total noninterest expense	$6,038,000	1,798
Salaries and employee benefits	$3,606,000	1,730
Premises and equipment expense	$519,000	1,978
Additional noninterest expense	$1,127,000	1,423
Pre-tax net operating income	$1,603,000	2,514
Securities gains (losses)	$0	938
Applicable income taxes	$216,000	2,085
Income before extraordinary items	$1,387,000	2,485
Extraordinary gains, net	$0	51
Net income	$1,387,000	2,514
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,387,000	2,485
Net charge-offs	$-6,000	3,775
Cash dividends	$275,000	2,359
Sale, conversion, retirement of capital stock, net	$-357,000	4,631
Net operating income	$1,387,000	2,498
2023-03-31 (YTD Data)		Rank
Total interest income	$3,364,000	2,370
Total interest expense	$195,000	3,581
Net interest income	$3,169,000	2,086
Provision for loan and lease losses	$75,000	1,413
Total noninterest income	$729,000	1,575
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$164,000	1,377
Trading account gains and fees	NA	NA
Additional Noninterest Income	$565,000	1,422
Total noninterest expense	$2,996,000	1,834
Salaries and employee benefits	$1,798,000	1,755
Premises and equipment expense	$269,000	1,960
Additional noninterest expense	$565,000	1,422
Pre-tax net operating income	$827,000	2,527
Securities gains (losses)	$0	950
Applicable income taxes	$113,000	2,062
Income before extraordinary items	$714,000	2,507
Extraordinary gains, net	$0	4
Net income	$714,000	2,508
Minority interest net income	$0	48
Net income of bank and minority interests.	$714,000	2,507
Net charge-offs	$1,000	1,904
Cash dividends	$138,000	1,970
Sale, conversion, retirement of capital stock, net	$-171,000	4,651
Net operating income	$714,000	2,530
2022-12-31 (YTD Data)		Rank
Total interest income	$11,580,000	2,331
Total interest expense	$757,000	2,764
Net interest income	$10,823,000	2,268
Provision for loan and lease losses	$75,000	2,368
Total noninterest income	$2,941,000	1,649
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$699,000	1,348
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,242,000	1,521
Total noninterest expense	$11,330,000	1,847
Salaries and employee benefits	$6,615,000	1,817
Premises and equipment expense	$1,081,000	1,919
Additional noninterest expense	$2,242,000	1,521
Pre-tax net operating income	$2,359,000	2,935
Securities gains (losses)	$0	691
Applicable income taxes	$287,000	2,440
Income before extraordinary items	$2,072,000	2,904
Extraordinary gains, net	$0	5
Net income	$2,072,000	2,901
Minority interest net income	$0	63
Net income of bank and minority interests.	$2,072,000	2,903
Net charge-offs	$58,000	1,466
Cash dividends	$530,000	2,655
Sale, conversion, retirement of capital stock, net	$-1,036,000	4,688
Net operating income	$2,072,000	2,933
2022-09-30 (YTD Data)		Rank
Total interest income	$8,219,000	2,355
Total interest expense	$578,000	2,468
Net interest income	$7,641,000	2,324
Provision for loan and lease losses	$0	2,835
Total noninterest income	$2,073,000	1,733
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$517,000	1,375
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,556,000	1,610
Total noninterest expense	$8,301,000	1,874
Salaries and employee benefits	$4,875,000	1,840
Premises and equipment expense	$828,000	1,921
Additional noninterest expense	$1,556,000	1,610
Pre-tax net operating income	$1,413,000	3,178
Securities gains (losses)	$0	740
Applicable income taxes	$139,000	2,676
Income before extraordinary items	$1,274,000	3,113
Extraordinary gains, net	$0	4
Net income	$1,274,000	3,111
Minority interest net income	$0	57
Net income of bank and minority interests.	$1,274,000	3,112
Net charge-offs	$52,000	1,199
Cash dividends	$399,000	2,362
Sale, conversion, retirement of capital stock, net	$-978,000	4,726
Net operating income	$1,274,000	3,144
2022-06-30 (YTD Data)		Rank
Total interest income	$5,184,000	2,386
Total interest expense	$397,000	2,273
Net interest income	$4,787,000	2,379
Provision for loan and lease losses	$0	2,599
Total noninterest income	$1,329,000	1,761
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$335,000	1,379
Trading account gains and fees	NA	NA
Additional Noninterest Income	$994,000	1,687
Total noninterest expense	$5,495,000	1,867
Salaries and employee benefits	$3,230,000	1,847
Premises and equipment expense	$568,000	1,895
Additional noninterest expense	$1,697,000	1,824
Pre-tax net operating income	$621,000	3,510
Securities gains (losses)	$0	687
Applicable income taxes	$30,000	3,139
Income before extraordinary items	$591,000	3,393
Extraordinary gains, net	$0	4
Net income	$591,000	3,392
Minority interest net income	$0	60
Net income of bank and minority interests.	$591,000	3,393
Net charge-offs	$57,000	913
Cash dividends	$268,000	2,312
Sale, conversion, retirement of capital stock, net	$-561,000	4,747
Net operating income	$591,000	3,424
2022-03-31 (YTD Data)		Rank
Total interest income	$2,418,000	2,436
Total interest expense	$208,000	2,149
Net interest income	$2,210,000	2,446
Provision for loan and lease losses	$0	2,285
Total noninterest income	$655,000	1,784
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$160,000	1,424
Trading account gains and fees	NA	NA
Additional Noninterest Income	$495,000	1,678
Total noninterest expense	$2,735,000	1,872
Salaries and employee benefits	$1,606,000	1,846
Premises and equipment expense	$292,000	1,871
Additional noninterest expense	$837,000	1,809
Pre-tax net operating income	$130,000	4,009
Securities gains (losses)	$0	623
Applicable income taxes	$0	3,450
Income before extraordinary items	$130,000	3,942
Extraordinary gains, net	$0	4
Net income	$130,000	3,941
Minority interest net income	$0	50
Net income of bank and minority interests.	$130,000	3,942
Net charge-offs	$34,000	800
Cash dividends	$134,000	1,897
Sale, conversion, retirement of capital stock, net	$-337,000	4,774
Net operating income	$130,000	3,961
2021-12-31 (YTD Data)		Rank
Total interest income	$10,421,000	2,411
Total interest expense	$957,000	2,277
Net interest income	$9,464,000	2,407
Provision for loan and lease losses	$0	3,064
Total noninterest income	$4,063,000	1,501
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$546,000	1,514
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,517,000	1,352
Total noninterest expense	$10,785,000	1,878
Salaries and employee benefits	$6,309,000	1,864
Premises and equipment expense	$1,101,000	1,924
Additional noninterest expense	$3,375,000	1,817
Pre-tax net operating income	$2,742,000	2,794
Securities gains (losses)	$0	2,062
Applicable income taxes	$421,000	2,211
Income before extraordinary items	$2,321,000	2,841
Extraordinary gains, net	$0	10
Net income	$2,321,000	2,842
Minority interest net income	$0	74
Net income of bank and minority interests.	$2,321,000	2,842
Net charge-offs	$-155,000	4,479
Cash dividends	$543,000	2,753
Sale, conversion, retirement of capital stock, net	$-220,000	4,779
Net operating income	$2,321,000	2,816
2021-09-30 (YTD Data)		Rank
Total interest income	$7,833,000	2,458
Total interest expense	$733,000	2,336
Net interest income	$7,100,000	2,449
Provision for loan and lease losses	$0	2,963
Total noninterest income	$3,007,000	1,555
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$389,000	1,559
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,618,000	1,413
Total noninterest expense	$7,785,000	1,928
Salaries and employee benefits	$4,673,000	1,882
Premises and equipment expense	$793,000	1,992
Additional noninterest expense	$2,319,000	1,934
Pre-tax net operating income	$2,322,000	2,769
Securities gains (losses)	$0	2,015
Applicable income taxes	$380,000	2,158
Income before extraordinary items	$1,942,000	2,836
Extraordinary gains, net	$0	8
Net income	$1,942,000	2,836
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,942,000	2,836
Net charge-offs	$-116,000	4,508
Cash dividends	$407,000	2,466
Sale, conversion, retirement of capital stock, net	$-175,000	4,857
Net operating income	$1,942,000	2,815
2021-06-30 (YTD Data)		Rank
Total interest income	$5,055,000	2,499
Total interest expense	$497,000	2,387
Net interest income	$4,558,000	2,491
Provision for loan and lease losses	$0	2,862
Total noninterest income	$2,043,000	1,504
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$250,000	1,556
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,793,000	1,383
Total noninterest expense	$5,108,000	1,946
Salaries and employee benefits	$3,049,000	1,903
Premises and equipment expense	$524,000	2,000
Additional noninterest expense	$1,535,000	1,931
Pre-tax net operating income	$1,493,000	2,778
Securities gains (losses)	$0	1,818
Applicable income taxes	$239,000	2,181
Income before extraordinary items	$1,254,000	2,876
Extraordinary gains, net	$0	6
Net income	$1,254,000	2,875
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,254,000	2,876
Net charge-offs	$-113,000	4,620
Cash dividends	$272,000	2,450
Sale, conversion, retirement of capital stock, net	$-45,000	4,892
Net operating income	$1,254,000	2,853
2021-03-31 (YTD Data)		Rank
Total interest income	$2,484,000	2,515
Total interest expense	$245,000	2,476
Net interest income	$2,239,000	2,503
Provision for loan and lease losses	$0	2,741
Total noninterest income	$1,108,000	1,429
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$123,000	1,564
Trading account gains and fees	NA	NA
Additional Noninterest Income	$985,000	1,291
Total noninterest expense	$2,611,000	1,902
Salaries and employee benefits	$1,595,000	1,826
Premises and equipment expense	$270,000	1,974
Additional noninterest expense	$746,000	1,936
Pre-tax net operating income	$736,000	2,779
Securities gains (losses)	$0	1,392
Applicable income taxes	$119,000	2,176
Income before extraordinary items	$617,000	2,874
Extraordinary gains, net	$0	3
Net income	$617,000	2,873
Minority interest net income	$0	55
Net income of bank and minority interests.	$617,000	2,874
Net charge-offs	$-11,000	4,101
Cash dividends	$136,000	2,004
Sale, conversion, retirement of capital stock, net	$-45,000	4,939
Net operating income	$617,000	2,831
2020-12-31 (YTD Data)		Rank
Total interest income	$10,717,000	2,419
Total interest expense	$914,000	3,071
Net interest income	$9,803,000	2,285
Provision for loan and lease losses	$600,000	2,051
Total noninterest income	$4,270,000	1,402
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$584,000	1,449
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,686,000	1,280
Total noninterest expense	$11,238,000	1,784
Salaries and employee benefits	$6,429,000	1,793
Premises and equipment expense	$1,133,000	1,871
Additional noninterest expense	$3,676,000	1,636
Pre-tax net operating income	$2,235,000	2,820
Securities gains (losses)	$0	2,675
Applicable income taxes	$40,000	3,249
Income before extraordinary items	$2,195,000	2,708
Extraordinary gains, net	$0	4
Net income	$2,195,000	2,706
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,195,000	2,708
Net charge-offs	$39,000	2,532
Cash dividends	$547,000	2,757
Sale, conversion, retirement of capital stock, net	$-589,000	4,973
Net operating income	$2,195,000	2,660
2020-09-30 (YTD Data)		Rank
Total interest income	$8,106,000	2,414
Total interest expense	$668,000	3,195
Net interest income	$7,438,000	2,270
Provision for loan and lease losses	$600,000	1,810
Total noninterest income	$3,000,000	1,422
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$433,000	1,458
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,567,000	1,296
Total noninterest expense	$7,718,000	1,895
Salaries and employee benefits	$4,712,000	1,800
Premises and equipment expense	$824,000	1,901
Additional noninterest expense	$2,182,000	1,935
Pre-tax net operating income	$2,120,000	2,503
Securities gains (losses)	$0	2,494
Applicable income taxes	$421,000	1,842
Income before extraordinary items	$1,699,000	2,661
Extraordinary gains, net	$0	4
Net income	$1,699,000	2,660
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,699,000	2,661
Net charge-offs	$38,000	2,194
Cash dividends	$411,000	2,481
Sale, conversion, retirement of capital stock, net	$-589,000	5,010
Net operating income	$1,699,000	2,616
2020-06-30 (YTD Data)		Rank
Total interest income	$5,565,000	2,401
Total interest expense	$431,000	3,337
Net interest income	$5,134,000	2,227
Provision for loan and lease losses	$600,000	1,444
Total noninterest income	$1,806,000	1,448
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$293,000	1,457
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,513,000	1,313
Total noninterest expense	$5,170,000	1,889
Salaries and employee benefits	$3,107,000	1,827
Premises and equipment expense	$552,000	1,890
Additional noninterest expense	$1,511,000	1,872
Pre-tax net operating income	$1,170,000	2,730
Securities gains (losses)	$0	2,249
Applicable income taxes	$250,000	1,879
Income before extraordinary items	$920,000	2,916
Extraordinary gains, net	$0	4
Net income	$920,000	2,915
Minority interest net income	$0	65
Net income of bank and minority interests.	$920,000	2,916
Net charge-offs	$47,000	1,769
Cash dividends	$275,000	2,473
Sale, conversion, retirement of capital stock, net	$-530,000	5,047
Net operating income	$920,000	2,874
2020-03-31 (YTD Data)		Rank
Total interest income	$2,650,000	2,464
Total interest expense	$210,000	3,523
Net interest income	$2,440,000	2,264
Provision for loan and lease losses	$0	3,711
Total noninterest income	$710,000	1,581
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$182,000	1,401
Trading account gains and fees	NA	NA
Additional Noninterest Income	$528,000	1,466
Total noninterest expense	$2,648,000	1,861
Salaries and employee benefits	$1,587,000	1,804
Premises and equipment expense	$290,000	1,855
Additional noninterest expense	$771,000	1,881
Pre-tax net operating income	$502,000	2,774
Securities gains (losses)	$0	1,705
Applicable income taxes	$70,000	2,189
Income before extraordinary items	$432,000	2,814
Extraordinary gains, net	$0	4
Net income	$432,000	2,812
Minority interest net income	$0	56
Net income of bank and minority interests.	$432,000	2,815
Net charge-offs	$35,000	1,356
Cash dividends	$139,000	2,151
Sale, conversion, retirement of capital stock, net	$-479,000	5,099
Net operating income	$432,000	2,804
2019-12-31 (YTD Data)		Rank
Total interest income	$11,140,000	2,408
Total interest expense	$771,000	3,668
Net interest income	$10,369,000	2,171
Provision for loan and lease losses	$0	3,973
Total noninterest income	$2,687,000	1,677
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$805,000	1,330
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,882,000	1,596
Total noninterest expense	$10,819,000	1,801
Salaries and employee benefits	$6,336,000	1,766
Premises and equipment expense	$1,109,000	1,900
Additional noninterest expense	$3,374,000	1,725
Pre-tax net operating income	$2,237,000	2,890
Securities gains (losses)	$0	2,379
Applicable income taxes	$76,000	3,158
Income before extraordinary items	$2,161,000	2,786
Extraordinary gains, net	$0	11
Net income	$2,161,000	2,787
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,161,000	2,788
Net charge-offs	$30,000	2,932
Cash dividends	$505,000	2,967
Sale, conversion, retirement of capital stock, net	$-785,000	5,143
Net operating income	$2,161,000	2,752
2019-09-30 (YTD Data)		Rank
Total interest income	$8,419,000	2,423
Total interest expense	$567,000	3,724
Net interest income	$7,852,000	2,180
Provision for loan and lease losses	$0	3,836
Total noninterest income	$1,988,000	1,682
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$601,000	1,347
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,387,000	1,601
Total noninterest expense	$7,775,000	1,878
Salaries and employee benefits	$4,797,000	1,760
Premises and equipment expense	$823,000	1,925
Additional noninterest expense	$2,155,000	2,003
Pre-tax net operating income	$2,065,000	2,671
Securities gains (losses)	$0	2,167
Applicable income taxes	$326,000	2,169
Income before extraordinary items	$1,739,000	2,743
Extraordinary gains, net	$0	11
Net income	$1,739,000	2,744
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,739,000	2,744
Net charge-offs	$19,000	2,732
Cash dividends	$381,000	2,736
Sale, conversion, retirement of capital stock, net	$-785,000	5,225
Net operating income	$1,739,000	2,707
2019-06-30 (YTD Data)		Rank
Total interest income	$5,616,000	2,420
Total interest expense	$368,000	3,751
Net interest income	$5,248,000	2,179
Provision for loan and lease losses	$0	3,685
Total noninterest income	$1,298,000	1,665
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$388,000	1,361
Trading account gains and fees	NA	NA
Additional Noninterest Income	$910,000	1,578
Total noninterest expense	$5,198,000	1,880
Salaries and employee benefits	$3,207,000	1,757
Premises and equipment expense	$844,000	1,361
Additional noninterest expense	$1,147,000	2,356
Pre-tax net operating income	$1,348,000	2,676
Securities gains (losses)	$0	1,702
Applicable income taxes	$204,000	2,195
Income before extraordinary items	$1,144,000	2,743
Extraordinary gains, net	$0	11
Net income	$1,144,000	2,743
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,144,000	2,742
Net charge-offs	$-3,000	4,141
Cash dividends	$254,000	2,694
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,144,000	2,717
2019-03-31 (YTD Data)		Rank
Total interest income	$2,719,000	2,468
Total interest expense	$179,000	3,768
Net interest income	$2,540,000	2,248
Provision for loan and lease losses	$0	3,406
Total noninterest income	$648,000	1,648
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$195,000	1,345
Trading account gains and fees	NA	NA
Additional Noninterest Income	$453,000	1,540
Total noninterest expense	$2,645,000	1,847
Salaries and employee benefits	$1,621,000	1,752
Premises and equipment expense	$441,000	1,333
Additional noninterest expense	$583,000	2,323
Pre-tax net operating income	$543,000	2,958
Securities gains (losses)	$0	1,087
Applicable income taxes	$84,000	2,286
Income before extraordinary items	$459,000	3,010
Extraordinary gains, net	$0	5
Net income	$459,000	3,008
Minority interest net income	$0	52
Net income of bank and minority interests.	$459,000	3,009
Net charge-offs	$45,000	1,268
Cash dividends	$127,000	2,313
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$459,000	3,000
2018-12-31 (YTD Data)		Rank
Total interest income	$10,632,000	2,420
Total interest expense	$672,000	3,518
Net interest income	$9,960,000	2,260
Provision for loan and lease losses	$0	4,082
Total noninterest income	$2,521,000	1,742
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$844,000	1,315
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,677,000	1,676
Total noninterest expense	$10,380,000	1,843
Salaries and employee benefits	$6,102,000	1,777
Premises and equipment expense	$1,605,000	1,405
Additional noninterest expense	$2,673,000	2,113
Pre-tax net operating income	$2,101,000	3,059
Securities gains (losses)	$-84,000	4,964
Applicable income taxes	$162,000	2,798
Income before extraordinary items	$1,855,000	3,037
Extraordinary gains, net	$0	6
Net income	$1,855,000	3,036
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,855,000	3,036
Net charge-offs	$39,000	2,762
Cash dividends	$448,000	3,073
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,932,280	2,981
2018-09-30 (YTD Data)		Rank
Total interest income	$7,890,000	2,433
Total interest expense	$494,000	3,481
Net interest income	$7,396,000	2,279
Provision for loan and lease losses	$0	3,948
Total noninterest income	$1,867,000	1,762
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$623,000	1,343
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,244,000	1,700
Total noninterest expense	$7,483,000	1,907
Salaries and employee benefits	$4,522,000	1,797
Premises and equipment expense	$1,178,000	1,440
Additional noninterest expense	$1,783,000	2,300
Pre-tax net operating income	$1,780,000	2,922
Securities gains (losses)	$0	1,118
Applicable income taxes	$244,000	2,385
Income before extraordinary items	$1,536,000	2,948
Extraordinary gains, net	$0	5
Net income	$1,536,000	2,947
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,536,000	2,947
Net charge-offs	$-7,000	4,398
Cash dividends	$336,000	2,760
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,536,000	2,938
2018-06-30 (YTD Data)		Rank
Total interest income	$5,096,000	2,468
Total interest expense	$324,000	3,454
Net interest income	$4,772,000	2,338
Provision for loan and lease losses	$0	3,782
Total noninterest income	$1,233,000	1,769
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$409,000	1,358
Trading account gains and fees	NA	NA
Additional Noninterest Income	$824,000	1,710
Total noninterest expense	$4,993,000	1,911
Salaries and employee benefits	$3,017,000	1,812
Premises and equipment expense	$802,000	1,434
Additional noninterest expense	$1,174,000	2,333
Pre-tax net operating income	$1,012,000	3,137
Securities gains (losses)	$0	961
Applicable income taxes	$128,000	2,548
Income before extraordinary items	$884,000	3,143
Extraordinary gains, net	$0	6
Net income	$884,000	3,141
Minority interest net income	$0	65
Net income of bank and minority interests.	$884,000	3,142
Net charge-offs	$-29,000	4,866
Cash dividends	$224,000	2,741
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$884,000	3,134
2018-03-31 (YTD Data)		Rank
Total interest income	$2,494,000	2,503
Total interest expense	$157,000	3,451
Net interest income	$2,337,000	2,375
Provision for loan and lease losses	$0	3,508
Total noninterest income	$609,000	1,781
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$202,000	1,380
Trading account gains and fees	NA	NA
Additional Noninterest Income	$407,000	1,697
Total noninterest expense	$2,532,000	1,913
Salaries and employee benefits	$1,536,000	1,814
Premises and equipment expense	$408,000	1,427
Additional noninterest expense	$588,000	2,322
Pre-tax net operating income	$414,000	3,397
Securities gains (losses)	$0	735
Applicable income taxes	$51,000	2,678
Income before extraordinary items	$363,000	3,407
Extraordinary gains, net	$0	7
Net income	$363,000	3,407
Minority interest net income	$0	52
Net income of bank and minority interests.	$363,000	3,407
Net charge-offs	$-31,000	5,106
Cash dividends	$112,000	2,278
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$363,000	3,401
2017-12-31 (YTD Data)		Rank
Total interest income	$9,674,000	2,509
Total interest expense	$648,000	3,262
Net interest income	$9,026,000	2,400
Provision for loan and lease losses	$0	4,227
Total noninterest income	$2,717,000	1,690
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$867,000	1,330
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,850,000	1,599
Total noninterest expense	$9,687,000	1,960
Salaries and employee benefits	$5,770,000	1,870
Premises and equipment expense	$1,527,000	1,498
Additional noninterest expense	$2,390,000	2,328
Pre-tax net operating income	$2,056,000	3,067
Securities gains (losses)	$11,000	1,559
Applicable income taxes	$585,000	2,304
Income before extraordinary items	$1,482,000	3,152
Extraordinary gains, net	$0	9
Net income	$1,482,000	3,150
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,482,000	3,152
Net charge-offs	$-160,000	5,402
Cash dividends	$391,000	3,201
Sale, conversion, retirement of capital stock, net	$-788,000	5,648
Net operating income	$1,474,080	3,141
2017-09-30 (YTD Data)		Rank
Total interest income	$7,200,000	2,532
Total interest expense	$487,000	3,263
Net interest income	$6,713,000	2,424
Provision for loan and lease losses	$0	4,088
Total noninterest income	$1,985,000	1,731
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$638,000	1,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,347,000	1,649
Total noninterest expense	$7,192,000	1,973
Salaries and employee benefits	$4,278,000	1,888
Premises and equipment expense	$1,161,000	1,483
Additional noninterest expense	$1,753,000	2,377
Pre-tax net operating income	$1,506,000	3,167
Securities gains (losses)	$23,000	1,253
Applicable income taxes	$309,000	2,456
Income before extraordinary items	$1,220,000	3,183
Extraordinary gains, net	$0	9
Net income	$1,220,000	3,182
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,220,000	3,183
Net charge-offs	$-186,000	5,476
Cash dividends	$236,000	3,038
Sale, conversion, retirement of capital stock, net	$-771,000	5,717
Net operating income	$1,201,600	3,180
2017-06-30 (YTD Data)		Rank
Total interest income	$4,772,000	2,532
Total interest expense	$324,000	3,230
Net interest income	$4,448,000	2,424
Provision for loan and lease losses	$0	3,871
Total noninterest income	$1,277,000	1,763
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$414,000	1,377
Trading account gains and fees	NA	NA
Additional Noninterest Income	$863,000	1,691
Total noninterest expense	$4,814,000	1,963
Salaries and employee benefits	$2,826,000	1,913
Premises and equipment expense	$788,000	1,453
Additional noninterest expense	$1,200,000	2,324
Pre-tax net operating income	$911,000	3,275
Securities gains (losses)	$11,000	1,225
Applicable income taxes	$170,000	2,592
Income before extraordinary items	$752,000	3,269
Extraordinary gains, net	$0	11
Net income	$752,000	3,268
Minority interest net income	$0	71
Net income of bank and minority interests.	$752,000	3,269
Net charge-offs	$-185,000	5,573
Cash dividends	$158,000	2,959
Sale, conversion, retirement of capital stock, net	$-757,000	5,770
Net operating income	$742,980	3,273
2017-03-31 (YTD Data)		Rank
Total interest income	$2,398,000	2,510
Total interest expense	$160,000	3,243
Net interest income	$2,238,000	2,417
Provision for loan and lease losses	$0	3,537
Total noninterest income	$565,000	1,891
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$199,000	1,419
Trading account gains and fees	NA	NA
Additional Noninterest Income	$366,000	1,842
Total noninterest expense	$2,438,000	1,971
Salaries and employee benefits	$1,456,000	1,900
Premises and equipment expense	$408,000	1,421
Additional noninterest expense	$574,000	2,401
Pre-tax net operating income	$365,000	3,553
Securities gains (losses)	$0	1,153
Applicable income taxes	$57,000	2,811
Income before extraordinary items	$308,000	3,559
Extraordinary gains, net	$0	8
Net income	$308,000	3,558
Minority interest net income	$0	55
Net income of bank and minority interests.	$308,000	3,559
Net charge-offs	$-170,000	5,702
Cash dividends	$80,000	2,476
Sale, conversion, retirement of capital stock, net	$-49,000	5,829
Net operating income	$308,000	3,532
2016-12-31 (YTD Data)		Rank
Total interest income	$9,291,000	2,560
Total interest expense	$644,000	3,193
Net interest income	$8,647,000	2,463
Provision for loan and lease losses	$0	4,332
Total noninterest income	$2,842,000	1,709
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$860,000	1,372
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,982,000	1,609
Total noninterest expense	$9,729,000	1,952
Salaries and employee benefits	$5,526,000	1,936
Premises and equipment expense	$1,512,000	1,510
Additional noninterest expense	$2,691,000	2,165
Pre-tax net operating income	$1,760,000	3,277
Securities gains (losses)	$11,000	2,627
Applicable income taxes	$294,000	2,664
Income before extraordinary items	$1,477,000	3,300
Extraordinary gains, net	$0	5
Net income	$1,477,000	3,299
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,477,000	3,299
Net charge-offs	$122,000	2,428
Cash dividends	$388,000	3,241
Sale, conversion, retirement of capital stock, net	$-302,000	5,849
Net operating income	$1,467,870	3,263
2016-09-30 (YTD Data)		Rank
Total interest income	$7,006,000	2,556
Total interest expense	$484,000	3,193
Net interest income	$6,522,000	2,453
Provision for loan and lease losses	$135,000	2,451
Total noninterest income	$2,031,000	1,760
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$651,000	1,359
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,380,000	1,670
Total noninterest expense	$7,199,000	1,989
Salaries and employee benefits	$4,078,000	1,948
Premises and equipment expense	$1,137,000	1,507
Additional noninterest expense	$1,984,000	2,198
Pre-tax net operating income	$1,219,000	3,450
Securities gains (losses)	$10,000	2,582
Applicable income taxes	$180,000	2,873
Income before extraordinary items	$1,049,000	3,415
Extraordinary gains, net	$0	5
Net income	$1,049,000	3,413
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,049,000	3,415
Net charge-offs	$192,000	1,492
Cash dividends	$234,000	3,056
Sale, conversion, retirement of capital stock, net	$-242,000	5,920
Net operating income	$1,040,500	3,375
2016-06-30 (YTD Data)		Rank
Total interest income	$4,612,000	2,592
Total interest expense	$321,000	3,208
Net interest income	$4,291,000	2,490
Provision for loan and lease losses	$180,000	1,722
Total noninterest income	$1,275,000	1,819
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$435,000	1,345
Trading account gains and fees	$0	157
Additional Noninterest Income	$840,000	1,744
Total noninterest expense	$4,810,000	1,986
Salaries and employee benefits	$2,705,000	1,961
Premises and equipment expense	$779,000	1,466
Additional noninterest expense	$1,326,000	2,206
Pre-tax net operating income	$576,000	3,953
Securities gains (losses)	$1,000	2,737
Applicable income taxes	$45,000	3,449
Income before extraordinary items	$532,000	3,870
Extraordinary gains, net	$0	16
Net income	$532,000	3,868
Minority interest net income	$0	71
Net income of bank and minority interests.	$532,000	3,869
Net charge-offs	$338,000	792
Cash dividends	$156,000	3,002
Sale, conversion, retirement of capital stock, net	$-124,000	6,001
Net operating income	$531,080	3,805
2016-03-31 (YTD Data)		Rank
Total interest income	$2,267,000	2,619
Total interest expense	$161,000	3,215
Net interest income	$2,106,000	2,529
Provision for loan and lease losses	$90,000	1,597
Total noninterest income	$622,000	1,795
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$223,000	1,308
Trading account gains and fees	$0	142
Additional Noninterest Income	$399,000	1,746
Total noninterest expense	$2,441,000	1,964
Salaries and employee benefits	$1,377,000	1,935
Premises and equipment expense	$405,000	1,421
Additional noninterest expense	$659,000	2,204
Pre-tax net operating income	$197,000	4,453
Securities gains (losses)	$1,000	1,958
Applicable income taxes	$-3,000	5,928
Income before extraordinary items	$201,000	4,229
Extraordinary gains, net	$0	12
Net income	$201,000	4,226
Minority interest net income	$0	62
Net income of bank and minority interests.	$201,000	4,228
Net charge-offs	$329,000	459
Cash dividends	$78,000	2,503
Sale, conversion, retirement of capital stock, net	$-40,000	6,079
Net operating income	$200,000	4,179
2015-12-31 (YTD Data)		Rank
Total interest income	$9,308,000	2,523
Total interest expense	$673,000	3,139
Net interest income	$8,635,000	2,420
Provision for loan and lease losses	$443,000	1,488
Total noninterest income	$2,500,000	1,830
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$706,000	1,640
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,794,000	1,650
Total noninterest expense	$9,377,000	2,012
Salaries and employee benefits	$5,313,000	1,955
Premises and equipment expense	$1,564,000	1,475
Additional noninterest expense	$2,500,000	2,339
Pre-tax net operating income	$1,315,000	3,706
Securities gains (losses)	$0	3,216
Applicable income taxes	$128,000	3,204
Income before extraordinary items	$1,187,000	3,647
Extraordinary gains, net	$0	23
Net income	$1,187,000	3,646
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,187,000	3,648
Net charge-offs	$282,000	1,661
Cash dividends	$399,000	3,164
Sale, conversion, retirement of capital stock, net	$-975,000	6,146
Net operating income	$1,187,000	3,594
2015-09-30 (YTD Data)		Rank
Total interest income	$6,958,000	2,543
Total interest expense	$509,000	3,170
Net interest income	$6,449,000	2,434
Provision for loan and lease losses	$333,000	1,421
Total noninterest income	$1,820,000	1,882
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$449,000	1,854
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,371,000	1,643
Total noninterest expense	$6,833,000	2,072
Salaries and employee benefits	$3,856,000	2,012
Premises and equipment expense	$1,188,000	1,468
Additional noninterest expense	$1,789,000	2,421
Pre-tax net operating income	$1,103,000	3,590
Securities gains (losses)	$0	3,031
Applicable income taxes	$160,000	2,979
Income before extraordinary items	$943,000	3,600
Extraordinary gains, net	$0	21
Net income	$943,000	3,599
Minority interest net income	$0	78
Net income of bank and minority interests.	$943,000	3,600
Net charge-offs	$242,000	1,379
Cash dividends	$242,000	2,992
Sale, conversion, retirement of capital stock, net	$-634,000	6,235
Net operating income	$943,000	3,545
2015-06-30 (YTD Data)		Rank
Total interest income	$4,558,000	2,581
Total interest expense	$341,000	3,184
Net interest income	$4,217,000	2,480
Provision for loan and lease losses	$250,000	1,275
Total noninterest income	$1,123,000	1,986
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$223,000	2,311
Trading account gains and fees	$0	157
Additional Noninterest Income	$900,000	1,666
Total noninterest expense	$4,524,000	2,091
Salaries and employee benefits	$2,583,000	2,017
Premises and equipment expense	$807,000	1,452
Additional noninterest expense	$1,134,000	2,549
Pre-tax net operating income	$566,000	4,000
Securities gains (losses)	$0	2,636
Applicable income taxes	$49,000	3,461
Income before extraordinary items	$517,000	3,913
Extraordinary gains, net	$0	22
Net income	$517,000	3,914
Minority interest net income	$0	75
Net income of bank and minority interests.	$517,000	3,916
Net charge-offs	$110,000	1,652
Cash dividends	$163,000	2,921
Sale, conversion, retirement of capital stock, net	$-634,000	6,322
Net operating income	$517,000	3,853
2015-03-31 (YTD Data)		Rank
Total interest income	$2,250,000	2,612
Total interest expense	$171,000	3,203
Net interest income	$2,079,000	2,512
Provision for loan and lease losses	$125,000	1,243
Total noninterest income	$494,000	2,121
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$91,000	2,654
Trading account gains and fees	$0	152
Additional Noninterest Income	$403,000	1,764
Total noninterest expense	$2,250,000	2,103
Salaries and employee benefits	$1,321,000	1,986
Premises and equipment expense	$419,000	1,426
Additional noninterest expense	$510,000	2,743
Pre-tax net operating income	$198,000	4,447
Securities gains (losses)	$0	2,027
Applicable income taxes	$6,000	3,987
Income before extraordinary items	$192,000	4,346
Extraordinary gains, net	$0	13
Net income	$192,000	4,348
Minority interest net income	$0	64
Net income of bank and minority interests.	$192,000	4,349
Net charge-offs	$27,000	1,951
Cash dividends	$82,000	2,429
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$192,000	4,266
2014-12-31 (YTD Data)		Rank
Total interest income	$9,499,000	2,520
Total interest expense	$709,000	3,287
Net interest income	$8,790,000	2,411
Provision for loan and lease losses	$416,000	1,635
Total noninterest income	$2,004,000	2,102
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$353,000	2,930
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,651,000	1,670
Total noninterest expense	$9,374,000	2,013
Salaries and employee benefits	$5,254,000	1,951
Premises and equipment expense	$1,403,000	1,670
Additional noninterest expense	$2,717,000	2,223
Pre-tax net operating income	$1,004,000	4,132
Securities gains (losses)	$0	3,259
Applicable income taxes	$-10,000	6,141
Income before extraordinary items	$1,014,000	3,946
Extraordinary gains, net	$0	17
Net income	$1,014,000	3,946
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,014,000	3,948
Net charge-offs	$187,000	2,531
Cash dividends	$368,000	3,201
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,014,000	3,886
2014-09-30 (YTD Data)		Rank
Total interest income	$7,206,000	2,510
Total interest expense	$533,000	3,331
Net interest income	$6,673,000	2,396
Provision for loan and lease losses	$316,000	1,581
Total noninterest income	$1,490,000	2,123
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$271,000	2,914
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,219,000	1,701
Total noninterest expense	$6,819,000	2,069
Salaries and employee benefits	$3,902,000	1,976
Premises and equipment expense	$1,030,000	1,714
Additional noninterest expense	$1,887,000	2,382
Pre-tax net operating income	$1,028,000	3,706
Securities gains (losses)	$0	2,980
Applicable income taxes	$146,000	3,054
Income before extraordinary items	$882,000	3,733
Extraordinary gains, net	$0	15
Net income	$882,000	3,736
Minority interest net income	$0	81
Net income of bank and minority interests.	$882,000	3,737
Net charge-offs	$109,000	2,602
Cash dividends	$247,000	2,931
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$882,000	3,672
2014-06-30 (YTD Data)		Rank
Total interest income	$4,872,000	2,471
Total interest expense	$355,000	3,361
Net interest income	$4,517,000	2,338
Provision for loan and lease losses	$271,000	1,387
Total noninterest income	$947,000	2,157
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$182,000	2,881
Trading account gains and fees	$0	172
Additional Noninterest Income	$765,000	1,749
Total noninterest expense	$4,613,000	2,053
Salaries and employee benefits	$2,605,000	1,980
Premises and equipment expense	$693,000	1,721
Additional noninterest expense	$1,315,000	2,267
Pre-tax net operating income	$580,000	3,937
Securities gains (losses)	$0	2,580
Applicable income taxes	$67,000	3,278
Income before extraordinary items	$513,000	3,908
Extraordinary gains, net	$0	20
Net income	$513,000	3,914
Minority interest net income	$0	80
Net income of bank and minority interests.	$513,000	3,914
Net charge-offs	$200,000	1,583
Cash dividends	$164,000	2,871
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$513,000	3,852
2014-03-31 (YTD Data)		Rank
Total interest income	$2,301,000	2,597
Total interest expense	$177,000	3,418
Net interest income	$2,124,000	2,490
Provision for loan and lease losses	$121,000	1,445
Total noninterest income	$468,000	2,129
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$92,000	2,836
Trading account gains and fees	$0	147
Additional Noninterest Income	$376,000	1,726
Total noninterest expense	$2,316,000	2,049
Salaries and employee benefits	$1,298,000	1,997
Premises and equipment expense	$361,000	1,665
Additional noninterest expense	$657,000	2,281
Pre-tax net operating income	$155,000	4,816
Securities gains (losses)	$0	1,715
Applicable income taxes	$0	4,445
Income before extraordinary items	$155,000	4,645
Extraordinary gains, net	$0	16
Net income	$155,000	4,647
Minority interest net income	$0	66
Net income of bank and minority interests.	$155,000	4,647
Net charge-offs	$-11,000	5,794
Cash dividends	$82,000	2,354
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$155,000	4,593
2013-12-31 (YTD Data)		Rank
Total interest income	$9,284,000	2,606
Total interest expense	$805,000	3,437
Net interest income	$8,479,000	2,465
Provision for loan and lease losses	$2,302,000	554
Total noninterest income	$2,209,000	2,013
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$384,000	2,901
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,825,000	1,628
Total noninterest expense	$9,204,000	2,055
Salaries and employee benefits	$5,182,000	1,969
Premises and equipment expense	$1,373,000	1,704
Additional noninterest expense	$2,649,000	2,333
Pre-tax net operating income	$-818,000	6,545
Securities gains (losses)	$0	3,182
Applicable income taxes	$-575,000	6,648
Income before extraordinary items	$-243,000	6,414
Extraordinary gains, net	$0	29
Net income	$-243,000	6,414
Minority interest net income	$0	90
Net income of bank and minority interests.	$-243,000	6,415
Net charge-offs	$2,511,000	626
Cash dividends	$329,000	3,202
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$-243,000	6,402
2013-09-30 (YTD Data)		Rank
Total interest income	$7,010,000	2,601
Total interest expense	$619,000	3,464
Net interest income	$6,391,000	2,460
Provision for loan and lease losses	$1,855,000	527
Total noninterest income	$1,707,000	2,022
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$283,000	2,950
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,424,000	1,613
Total noninterest expense	$6,623,000	2,128
Salaries and employee benefits	$3,871,000	1,980
Premises and equipment expense	$1,019,000	1,742
Additional noninterest expense	$1,733,000	2,643
Pre-tax net operating income	$-380,000	6,579
Securities gains (losses)	$0	3,040
Applicable income taxes	$-260,000	6,762
Income before extraordinary items	$-120,000	6,473
Extraordinary gains, net	$0	25
Net income	$-120,000	6,475
Minority interest net income	$0	84
Net income of bank and minority interests.	$-120,000	6,475
Net charge-offs	$2,029,000	588
Cash dividends	$247,000	2,800
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-120,000	6,443
2013-06-30 (YTD Data)		Rank
Total interest income	$4,635,000	2,624
Total interest expense	$426,000	3,446
Net interest income	$4,209,000	2,477
Provision for loan and lease losses	$1,593,000	454
Total noninterest income	$1,266,000	1,898
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$179,000	3,034
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,087,000	1,494
Total noninterest expense	$4,339,000	2,171
Salaries and employee benefits	$2,589,000	1,992
Premises and equipment expense	$671,000	1,751
Additional noninterest expense	$1,079,000	2,787
Pre-tax net operating income	$-457,000	6,671
Securities gains (losses)	$0	2,791
Applicable income taxes	$-270,000	6,834
Income before extraordinary items	$-187,000	6,598
Extraordinary gains, net	$0	22
Net income	$-187,000	6,599
Minority interest net income	$0	82
Net income of bank and minority interests.	$-187,000	6,599
Net charge-offs	$1,933,000	467
Cash dividends	$164,000	2,688
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$-187,000	6,565
2013-03-31 (YTD Data)		Rank
Total interest income	$2,299,000	2,657
Total interest expense	$219,000	3,479
Net interest income	$2,080,000	2,529
Provision for loan and lease losses	$253,000	1,134
Total noninterest income	$546,000	2,092
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$87,000	3,070
Trading account gains and fees	$0	148
Additional Noninterest Income	$459,000	1,672
Total noninterest expense	$2,245,000	2,118
Salaries and employee benefits	$1,307,000	1,984
Premises and equipment expense	$350,000	1,718
Additional noninterest expense	$588,000	2,594
Pre-tax net operating income	$128,000	5,043
Securities gains (losses)	$0	1,966
Applicable income taxes	$0	4,602
Income before extraordinary items	$128,000	4,949
Extraordinary gains, net	$0	10
Net income	$128,000	4,950
Minority interest net income	$0	76
Net income of bank and minority interests.	$128,000	4,951
Net charge-offs	$142,000	1,630
Cash dividends	$82,000	2,170
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$128,000	4,850
2012-12-31 (YTD Data)		Rank
Total interest income	$9,712,000	2,636
Total interest expense	$970,000	3,690
Net interest income	$8,742,000	2,450
Provision for loan and lease losses	$1,865,000	1,129
Total noninterest income	$2,701,000	1,774
Gross Fiduciary activities income	$16,000	1,085
Service charges on deposit accounts	$356,000	3,154
Trading account gains and fees	$0	166
Additional Noninterest Income	$2,329,000	1,402
Total noninterest expense	$8,644,000	2,193
Salaries and employee benefits	$5,114,000	1,972
Premises and equipment expense	$1,344,000	1,753
Additional noninterest expense	$2,186,000	2,880
Pre-tax net operating income	$934,000	4,106
Securities gains (losses)	$1,000	3,729
Applicable income taxes	$114,000	3,421
Income before extraordinary items	$821,000	4,237
Extraordinary gains, net	$0	29
Net income	$821,000	4,236
Minority interest net income	$0	93
Net income of bank and minority interests.	$821,000	4,238
Net charge-offs	$2,804,000	887
Cash dividends	$411,000	2,975
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$820,120	4,061
2012-09-30 (YTD Data)		Rank
Total interest income	$7,333,000	2,668
Total interest expense	$739,000	3,765
Net interest income	$6,594,000	2,479
Provision for loan and lease losses	$947,000	1,498
Total noninterest income	$1,843,000	1,898
Gross Fiduciary activities income	$8,000	1,101
Service charges on deposit accounts	$263,000	3,219
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,572,000	1,474
Total noninterest expense	$6,354,000	2,250
Salaries and employee benefits	$3,783,000	2,000
Premises and equipment expense	$999,000	1,784
Additional noninterest expense	$1,572,000	2,991
Pre-tax net operating income	$1,136,000	3,412
Securities gains (losses)	$0	3,575
Applicable income taxes	$242,000	2,667
Income before extraordinary items	$894,000	3,652
Extraordinary gains, net	$0	20
Net income	$894,000	3,652
Minority interest net income	$0	86
Net income of bank and minority interests.	$894,000	3,654
Net charge-offs	$140,000	3,670
Cash dividends	$247,000	2,745
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$894,000	3,497
2012-06-30 (YTD Data)		Rank
Total interest income	$4,876,000	2,689
Total interest expense	$501,000	3,824
Net interest income	$4,375,000	2,493
Provision for loan and lease losses	$535,000	1,735
Total noninterest income	$1,209,000	1,901
Gross Fiduciary activities income	$5,000	1,115
Service charges on deposit accounts	$174,000	3,226
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,030,000	1,489
Total noninterest expense	$4,241,000	2,256
Salaries and employee benefits	$2,520,000	1,995
Premises and equipment expense	$678,000	1,738
Additional noninterest expense	$1,043,000	3,017
Pre-tax net operating income	$808,000	3,262
Securities gains (losses)	$0	3,178
Applicable income taxes	$185,000	2,513
Income before extraordinary items	$623,000	3,561
Extraordinary gains, net	$0	19
Net income	$623,000	3,562
Minority interest net income	$0	84
Net income of bank and minority interests.	$623,000	3,563
Net charge-offs	$137,000	3,133
Cash dividends	$164,000	2,677
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$623,000	3,388
2012-03-31 (YTD Data)		Rank
Total interest income	$2,434,000	2,717
Total interest expense	$260,000	3,846
Net interest income	$2,174,000	2,517
Provision for loan and lease losses	$250,000	1,742
Total noninterest income	$632,000	1,841
Gross Fiduciary activities income	$1,000	1,128
Service charges on deposit accounts	$86,000	3,236
Trading account gains and fees	$0	148
Additional Noninterest Income	$545,000	1,422
Total noninterest expense	$2,199,000	2,169
Salaries and employee benefits	$1,292,000	1,948
Premises and equipment expense	$361,000	1,653
Additional noninterest expense	$546,000	2,883
Pre-tax net operating income	$357,000	3,516
Securities gains (losses)	$0	2,210
Applicable income taxes	$81,000	2,631
Income before extraordinary items	$276,000	3,789
Extraordinary gains, net	$0	19
Net income	$276,000	3,792
Minority interest net income	$0	78
Net income of bank and minority interests.	$276,000	3,792
Net charge-offs	$133,000	2,197
Cash dividends	$82,000	2,202
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$276,000	3,624
2011-12-31 (YTD Data)		Rank
Total interest income	$10,266,000	2,699
Total interest expense	$1,321,000	3,737
Net interest income	$8,945,000	2,454
Provision for loan and lease losses	$1,275,000	2,075
Total noninterest income	$1,830,000	2,150
Gross Fiduciary activities income	$37,000	954
Service charges on deposit accounts	$358,000	3,246
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,435,000	1,696
Total noninterest expense	$8,548,000	2,222
Salaries and employee benefits	$5,094,000	1,906
Premises and equipment expense	$1,303,000	1,911
Additional noninterest expense	$2,151,000	2,931
Pre-tax net operating income	$952,000	3,819
Securities gains (losses)	$73,000	2,303
Applicable income taxes	$181,000	2,990
Income before extraordinary items	$844,000	3,860
Extraordinary gains, net	$0	29
Net income	$844,000	3,864
Minority interest net income	$0	96
Net income of bank and minority interests.	$844,000	3,863
Net charge-offs	$125,000	4,771
Cash dividends	$411,000	2,632
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$784,140	3,852
2011-09-30 (YTD Data)		Rank
Total interest income	$7,736,000	2,716
Total interest expense	$1,022,000	3,779
Net interest income	$6,714,000	2,461
Provision for loan and lease losses	$655,000	2,535
Total noninterest income	$1,249,000	2,277
Gross Fiduciary activities income	$20,000	976
Service charges on deposit accounts	$263,000	3,306
Trading account gains and fees	$0	145
Additional Noninterest Income	$966,000	1,810
Total noninterest expense	$6,340,000	2,258
Salaries and employee benefits	$3,820,000	1,913
Premises and equipment expense	$967,000	1,936
Additional noninterest expense	$1,553,000	3,053
Pre-tax net operating income	$968,000	3,365
Securities gains (losses)	$66,000	2,115
Applicable income taxes	$231,000	2,532
Income before extraordinary items	$803,000	3,510
Extraordinary gains, net	$0	21
Net income	$803,000	3,512
Minority interest net income	$0	87
Net income of bank and minority interests.	$803,000	3,512
Net charge-offs	$145,000	4,054
Cash dividends	$247,000	2,536
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$751,520	3,517
2011-06-30 (YTD Data)		Rank
Total interest income	$5,219,000	2,709
Total interest expense	$698,000	3,819
Net interest income	$4,521,000	2,429
Provision for loan and lease losses	$310,000	2,904
Total noninterest income	$781,000	2,356
Gross Fiduciary activities income	$10,000	1,015
Service charges on deposit accounts	$173,000	3,304
Trading account gains and fees	$0	153
Additional Noninterest Income	$598,000	1,867
Total noninterest expense	$4,230,000	2,268
Salaries and employee benefits	$2,569,000	1,907
Premises and equipment expense	$632,000	1,996
Additional noninterest expense	$1,029,000	3,136
Pre-tax net operating income	$762,000	3,031
Securities gains (losses)	$-1,000	6,874
Applicable income taxes	$180,000	2,331
Income before extraordinary items	$581,000	3,249
Extraordinary gains, net	$0	15
Net income	$581,000	3,250
Minority interest net income	$0	89
Net income of bank and minority interests.	$581,000	3,250
Net charge-offs	$140,000	3,489
Cash dividends	$164,000	2,442
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$581,760	3,159
2011-03-31 (YTD Data)		Rank
Total interest income	$2,642,000	2,695
Total interest expense	$359,000	3,849
Net interest income	$2,283,000	2,408
Provision for loan and lease losses	$130,000	3,035
Total noninterest income	$423,000	2,261
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$84,000	3,335
Trading account gains and fees	$0	158
Additional Noninterest Income	$339,000	1,764
Total noninterest expense	$2,132,000	2,265
Salaries and employee benefits	$1,291,000	1,916
Premises and equipment expense	$327,000	1,968
Additional noninterest expense	$514,000	3,106
Pre-tax net operating income	$444,000	2,776
Securities gains (losses)	$0	1,772
Applicable income taxes	$112,000	2,065
Income before extraordinary items	$332,000	3,031
Extraordinary gains, net	$0	9
Net income	$332,000	3,030
Minority interest net income	$0	86
Net income of bank and minority interests.	$332,000	3,031
Net charge-offs	$26,000	3,862
Cash dividends	$82,000	2,029
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$332,000	2,973
2010-12-31 (YTD Data)		Rank
Total interest income	$11,386,000	2,639
Total interest expense	$1,803,000	3,819
Net interest income	$9,583,000	2,286
Provision for loan and lease losses	$575,000	3,927
Total noninterest income	$1,769,000	2,255
Gross Fiduciary activities income	$46,000	972
Service charges on deposit accounts	$388,000	3,135
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,335,000	1,820
Total noninterest expense	$9,325,000	2,066
Salaries and employee benefits	$5,676,000	1,718
Premises and equipment expense	$1,170,000	2,151
Additional noninterest expense	$2,479,000	2,703
Pre-tax net operating income	$1,452,000	2,774
Securities gains (losses)	$241,000	1,432
Applicable income taxes	$385,000	2,126
Income before extraordinary items	$1,308,000	2,748
Extraordinary gains, net	$0	29
Net income	$1,308,000	2,744
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,308,000	2,749
Net charge-offs	$325,000	4,202
Cash dividends	$411,000	2,582
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,122,430	2,903
2010-09-30 (YTD Data)		Rank
Total interest income	$8,644,000	2,661
Total interest expense	$1,405,000	3,867
Net interest income	$7,239,000	2,314
Provision for loan and lease losses	$185,000	4,976
Total noninterest income	$1,156,000	2,485
Gross Fiduciary activities income	$27,000	987
Service charges on deposit accounts	$288,000	3,221
Trading account gains and fees	$0	165
Additional Noninterest Income	$841,000	2,015
Total noninterest expense	$6,694,000	2,165
Salaries and employee benefits	$4,007,000	1,829
Premises and equipment expense	$842,000	2,285
Additional noninterest expense	$1,845,000	2,675
Pre-tax net operating income	$1,516,000	2,356
Securities gains (losses)	$241,000	1,228
Applicable income taxes	$549,000	1,581
Income before extraordinary items	$1,208,000	2,533
Extraordinary gains, net	$0	23
Net income	$1,208,000	2,529
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,208,000	2,534
Net charge-offs	$219,000	4,126
Cash dividends	$246,000	2,540
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,041,710	2,684
2010-06-30 (YTD Data)		Rank
Total interest income	$5,726,000	2,701
Total interest expense	$964,000	3,906
Net interest income	$4,762,000	2,346
Provision for loan and lease losses	$120,000	4,894
Total noninterest income	$691,000	2,605
Gross Fiduciary activities income	$13,000	1,027
Service charges on deposit accounts	$186,000	3,295
Trading account gains and fees	$0	152
Additional Noninterest Income	$492,000	2,116
Total noninterest expense	$4,319,000	2,241
Salaries and employee benefits	$2,544,000	1,917
Premises and equipment expense	$569,000	2,268
Additional noninterest expense	$1,206,000	2,708
Pre-tax net operating income	$1,014,000	2,340
Securities gains (losses)	$14,000	2,493
Applicable income taxes	$279,000	1,808
Income before extraordinary items	$749,000	2,635
Extraordinary gains, net	$0	19
Net income	$749,000	2,631
Minority interest net income	$0	105
Net income of bank and minority interests.	$749,000	2,634
Net charge-offs	$203,000	3,522
Cash dividends	$164,000	2,472
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$738,780	2,558
2010-03-31 (YTD Data)		Rank
Total interest income	$2,817,000	2,796
Total interest expense	$493,000	3,974
Net interest income	$2,324,000	2,428
Provision for loan and lease losses	$60,000	4,570
Total noninterest income	$332,000	2,669
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$91,000	3,330
Trading account gains and fees	$0	175
Additional Noninterest Income	$241,000	2,121
Total noninterest expense	$2,170,000	2,245
Salaries and employee benefits	$1,262,000	1,961
Premises and equipment expense	$299,000	2,204
Additional noninterest expense	$609,000	2,673
Pre-tax net operating income	$426,000	2,726
Securities gains (losses)	$4,000	1,944
Applicable income taxes	$109,000	2,041
Income before extraordinary items	$321,000	3,011
Extraordinary gains, net	$0	16
Net income	$321,000	3,007
Minority interest net income	$0	91
Net income of bank and minority interests.	$321,000	3,011
Net charge-offs	$13,000	4,704
Cash dividends	$82,000	2,030
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$318,000	2,920
2009-12-31 (YTD Data)		Rank
Total interest income	$11,679,000	2,833
Total interest expense	$2,542,000	3,848
Net interest income	$9,137,000	2,385
Provision for loan and lease losses	$274,000	5,412
Total noninterest income	$1,729,000	2,343
Gross Fiduciary activities income	$44,000	981
Service charges on deposit accounts	$404,000	3,310
Trading account gains and fees	$0	211
Additional Noninterest Income	$1,281,000	1,838
Total noninterest expense	$8,995,000	2,211
Salaries and employee benefits	$5,347,000	1,848
Premises and equipment expense	$1,188,000	2,240
Additional noninterest expense	$2,460,000	2,781
Pre-tax net operating income	$1,597,000	2,265
Securities gains (losses)	$218,000	1,489
Applicable income taxes	$455,000	1,629
Income before extraordinary items	$1,360,000	2,266
Extraordinary gains, net	$0	34
Net income	$1,360,000	2,264
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,360,000	2,265
Net charge-offs	$246,000	4,743
Cash dividends	$411,000	2,802
Sale, conversion, retirement of capital stock, net	$-2,002,000	7,997
Net operating income	$1,196,500	2,434
2009-09-30 (YTD Data)		Rank
Total interest income	$8,891,000	2,826
Total interest expense	$1,982,000	3,871
Net interest income	$6,909,000	2,356
Provision for loan and lease losses	$180,000	5,277
Total noninterest income	$1,311,000	2,377
Gross Fiduciary activities income	$21,000	1,018
Service charges on deposit accounts	$299,000	3,357
Trading account gains and fees	$0	212
Additional Noninterest Income	$991,000	1,841
Total noninterest expense	$6,683,000	2,229
Salaries and employee benefits	$3,936,000	1,900
Premises and equipment expense	$907,000	2,223
Additional noninterest expense	$1,840,000	2,751
Pre-tax net operating income	$1,357,000	2,229
Securities gains (losses)	$34,000	2,497
Applicable income taxes	$345,000	1,782
Income before extraordinary items	$1,046,000	2,415
Extraordinary gains, net	$0	27
Net income	$1,046,000	2,413
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,046,000	2,416
Net charge-offs	$43,000	5,787
Cash dividends	$247,000	2,877
Sale, conversion, retirement of capital stock, net	$-2,002,000	8,088
Net operating income	$1,020,500	2,402
2009-06-30 (YTD Data)		Rank
Total interest income	$6,019,000	2,816
Total interest expense	$1,366,000	3,907
Net interest income	$4,653,000	2,345
Provision for loan and lease losses	$118,000	5,149
Total noninterest income	$936,000	2,286
Gross Fiduciary activities income	$10,000	1,074
Service charges on deposit accounts	$200,000	3,310
Trading account gains and fees	$0	193
Additional Noninterest Income	$726,000	1,772
Total noninterest expense	$4,532,000	2,220
Salaries and employee benefits	$2,606,000	1,947
Premises and equipment expense	$620,000	2,203
Additional noninterest expense	$1,306,000	2,637
Pre-tax net operating income	$939,000	2,227
Securities gains (losses)	$34,000	2,112
Applicable income taxes	$263,000	1,680
Income before extraordinary items	$710,000	2,461
Extraordinary gains, net	$0	21
Net income	$710,000	2,459
Minority interest net income	$0	112
Net income of bank and minority interests.	$710,000	2,461
Net charge-offs	$37,000	5,172
Cash dividends	$164,000	2,876
Sale, conversion, retirement of capital stock, net	$-2,002,000	8,184
Net operating income	$685,180	2,456
2009-03-31 (YTD Data)		Rank
Total interest income	$2,964,000	2,895
Total interest expense	$690,000	3,985
Net interest income	$2,274,000	2,382
Provision for loan and lease losses	$58,000	4,777
Total noninterest income	$423,000	2,402
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$102,000	3,223
Trading account gains and fees	$0	171
Additional Noninterest Income	$321,000	1,865
Total noninterest expense	$2,302,000	2,148
Salaries and employee benefits	$1,415,000	1,839
Premises and equipment expense	$321,000	2,170
Additional noninterest expense	$566,000	2,693
Pre-tax net operating income	$337,000	3,146
Securities gains (losses)	$26,000	1,571
Applicable income taxes	$67,000	2,596
Income before extraordinary items	$296,000	3,165
Extraordinary gains, net	$0	15
Net income	$296,000	3,165
Minority interest net income	$0	102
Net income of bank and minority interests.	$296,000	3,165
Net charge-offs	$6,000	5,032
Cash dividends	$82,000	2,399
Sale, conversion, retirement of capital stock, net	$-1,978,000	8,237
Net operating income	$274,680	3,140
2008-12-31 (YTD Data)		Rank
Total interest income	$12,797,000	2,864
Total interest expense	$3,692,000	3,710
Net interest income	$9,105,000	2,398
Provision for loan and lease losses	$249,000	4,921
Total noninterest income	$1,433,000	2,719
Gross Fiduciary activities income	$46,000	986
Service charges on deposit accounts	$495,000	3,037
Trading account gains and fees	$0	154
Additional Noninterest Income	$892,000	2,302
Total noninterest expense	$8,491,000	2,259
Salaries and employee benefits	$5,175,000	1,952
Premises and equipment expense	$1,202,000	2,241
Additional noninterest expense	$2,114,000	2,719
Pre-tax net operating income	$1,798,000	2,672
Securities gains (losses)	$95,000	1,167
Applicable income taxes	$366,000	2,176
Income before extraordinary items	$1,527,000	2,483
Extraordinary gains, net	$0	39
Net income	$1,527,000	2,482
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$147,000	4,496
Cash dividends	$444,000	3,550
Sale, conversion, retirement of capital stock, net	$-498,000	8,270
Net operating income	$1,450,050	2,722
2008-09-30 (YTD Data)		Rank
Total interest income	$9,740,000	2,880
Total interest expense	$2,895,000	3,713
Net interest income	$6,845,000	2,417
Provision for loan and lease losses	$200,000	4,198
Total noninterest income	$1,077,000	2,758
Gross Fiduciary activities income	$23,000	1,036
Service charges on deposit accounts	$368,000	3,085
Trading account gains and fees	$0	148
Additional Noninterest Income	$686,000	2,346
Total noninterest expense	$6,396,000	2,234
Salaries and employee benefits	$3,896,000	1,978
Premises and equipment expense	$904,000	2,247
Additional noninterest expense	$1,596,000	2,631
Pre-tax net operating income	$1,326,000	3,099
Securities gains (losses)	$94,000	1,011
Applicable income taxes	$240,000	2,717
Income before extraordinary items	$1,180,000	2,788
Extraordinary gains, net	$0	31
Net income	$1,180,000	2,784
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,000	4,144
Cash dividends	$267,000	3,561
Sale, conversion, retirement of capital stock, net	$-411,000	8,354
Net operating income	$1,101,980	3,062
2008-06-30 (YTD Data)		Rank
Total interest income	$6,488,000	2,930
Total interest expense	$2,043,000	3,687
Net interest income	$4,445,000	2,462
Provision for loan and lease losses	$140,000	3,766
Total noninterest income	$703,000	2,836
Gross Fiduciary activities income	$12,000	1,091
Service charges on deposit accounts	$229,000	3,210
Trading account gains and fees	$0	149
Additional Noninterest Income	$462,000	2,367
Total noninterest expense	$4,231,000	2,252
Salaries and employee benefits	$2,510,000	2,071
Premises and equipment expense	$609,000	2,224
Additional noninterest expense	$1,112,000	2,499
Pre-tax net operating income	$777,000	3,489
Securities gains (losses)	$40,000	1,598
Applicable income taxes	$99,000	3,466
Income before extraordinary items	$718,000	3,276
Extraordinary gains, net	$0	21
Net income	$718,000	3,275
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	3,674
Cash dividends	$179,000	3,573
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$682,800	3,315
2008-03-31 (YTD Data)		Rank
Total interest income	$3,337,000	2,930
Total interest expense	$1,078,000	3,728
Net interest income	$2,259,000	2,428
Provision for loan and lease losses	$80,000	3,055
Total noninterest income	$341,000	2,871
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$111,000	3,231
Trading account gains and fees	$0	158
Additional Noninterest Income	$230,000	2,349
Total noninterest expense	$2,179,000	2,193
Salaries and employee benefits	$1,335,000	1,971
Premises and equipment expense	$304,000	2,237
Additional noninterest expense	$540,000	2,539
Pre-tax net operating income	$341,000	3,868
Securities gains (losses)	$2,000	2,447
Applicable income taxes	$19,000	4,403
Income before extraordinary items	$324,000	3,628
Extraordinary gains, net	$0	15
Net income	$324,000	3,632
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	3,496
Cash dividends	$89,000	3,041
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$322,120	3,549
2007-12-31 (YTD Data)		Rank
Total interest income	$13,206,000	3,018
Total interest expense	$4,228,000	3,876
Net interest income	$8,978,000	2,447
Provision for loan and lease losses	$360,000	2,860
Total noninterest income	$1,492,000	2,728
Gross Fiduciary activities income	$55,000	996
Service charges on deposit accounts	$501,000	3,047
Trading account gains and fees	$0	178
Additional Noninterest Income	$936,000	2,311
Total noninterest expense	$8,383,000	2,191
Salaries and employee benefits	$4,968,000	2,025
Premises and equipment expense	$1,482,000	1,773
Additional noninterest expense	$1,933,000	2,739
Pre-tax net operating income	$1,727,000	3,631
Securities gains (losses)	$14,000	1,219
Applicable income taxes	$116,000	4,360
Income before extraordinary items	$1,625,000	3,257
Extraordinary gains, net	$0	39
Net income	$1,625,000	3,256
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$243,000	2,573
Cash dividends	$449,000	3,896
Sale, conversion, retirement of capital stock, net	$-387,000	8,471
Net operating income	$1,611,980	3,263
2007-09-30 (YTD Data)		Rank
Total interest income	$9,801,000	3,035
Total interest expense	$3,091,000	3,938
Net interest income	$6,710,000	2,478
Provision for loan and lease losses	$270,000	2,452
Total noninterest income	$1,069,000	2,777
Gross Fiduciary activities income	$28,000	1,034
Service charges on deposit accounts	$372,000	3,057
Trading account gains and fees	$0	184
Additional Noninterest Income	$669,000	2,396
Total noninterest expense	$6,431,000	2,114
Salaries and employee benefits	$3,860,000	1,951
Premises and equipment expense	$1,136,000	1,725
Additional noninterest expense	$1,435,000	2,722
Pre-tax net operating income	$1,078,000	4,185
Securities gains (losses)	$14,000	909
Applicable income taxes	$35,000	5,174
Income before extraordinary items	$1,057,000	3,759
Extraordinary gains, net	$0	33
Net income	$1,057,000	3,758
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	2,902
Cash dividends	$270,000	3,774
Sale, conversion, retirement of capital stock, net	$-208,000	8,502
Net operating income	$1,043,420	3,777
2007-06-30 (YTD Data)		Rank
Total interest income	$6,384,000	3,114
Total interest expense	$1,987,000	4,039
Net interest income	$4,397,000	2,539
Provision for loan and lease losses	$180,000	2,301
Total noninterest income	$731,000	2,744
Gross Fiduciary activities income	$14,000	1,091
Service charges on deposit accounts	$245,000	3,069
Trading account gains and fees	$0	168
Additional Noninterest Income	$472,000	2,336
Total noninterest expense	$4,238,000	2,164
Salaries and employee benefits	$2,503,000	2,034
Premises and equipment expense	$826,000	1,619
Additional noninterest expense	$909,000	2,854
Pre-tax net operating income	$710,000	4,283
Securities gains (losses)	$13,000	798
Applicable income taxes	$27,000	5,176
Income before extraordinary items	$696,000	3,833
Extraordinary gains, net	$0	29
Net income	$696,000	3,833
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	2,506
Cash dividends	$180,000	3,767
Sale, conversion, retirement of capital stock, net	$-205,000	8,575
Net operating income	$683,520	3,864
2007-03-31 (YTD Data)		Rank
Total interest income	$3,123,000	3,171
Total interest expense	$955,000	4,127
Net interest income	$2,168,000	2,573
Provision for loan and lease losses	$90,000	2,153
Total noninterest income	$301,000	3,101
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$116,000	3,150
Trading account gains and fees	$0	195
Additional Noninterest Income	$185,000	2,667
Total noninterest expense	$2,212,000	2,086
Salaries and employee benefits	$1,332,000	1,931
Premises and equipment expense	$428,000	1,568
Additional noninterest expense	$452,000	2,841
Pre-tax net operating income	$167,000	5,853
Securities gains (losses)	$14,000	632
Applicable income taxes	$-21,000	8,311
Income before extraordinary items	$202,000	5,036
Extraordinary gains, net	$0	22
Net income	$202,000	5,036
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,785
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$-176,000	8,615
Net operating income	$188,000	5,193
2006-12-31 (YTD Data)		Rank
Total interest income	$12,623,000	2,955
Total interest expense	$3,518,000	3,898
Net interest income	$9,105,000	2,488
Provision for loan and lease losses	$400,000	2,257
Total noninterest income	$1,765,000	2,423
Gross Fiduciary activities income	$49,000	1,030
Service charges on deposit accounts	$471,000	3,190
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,245,000	1,908
Total noninterest expense	$8,352,000	2,115
Salaries and employee benefits	$5,026,000	1,933
Premises and equipment expense	$1,531,000	1,663
Additional noninterest expense	$1,795,000	2,825
Pre-tax net operating income	$2,118,000	3,522
Securities gains (losses)	$-85,000	8,144
Applicable income taxes	$358,000	3,571
Income before extraordinary items	$1,675,000	3,519
Extraordinary gains, net	$0	51
Net income	$1,675,000	3,517
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$241,000	1,951
Cash dividends	$454,000	3,879
Sale, conversion, retirement of capital stock, net	$-545,000	8,644
Net operating income	$1,744,700	3,410
2006-09-30 (YTD Data)		Rank
Total interest income	$9,421,000	2,950
Total interest expense	$2,582,000	3,875
Net interest income	$6,839,000	2,507
Provision for loan and lease losses	$275,000	2,295
Total noninterest income	$1,155,000	2,663
Gross Fiduciary activities income	$23,000	1,090
Service charges on deposit accounts	$351,000	3,215
Trading account gains and fees	$0	126
Additional Noninterest Income	$781,000	2,167
Total noninterest expense	$6,319,000	2,089
Salaries and employee benefits	$3,862,000	1,884
Premises and equipment expense	$1,167,000	1,648
Additional noninterest expense	$1,290,000	2,928
Pre-tax net operating income	$1,400,000	3,946
Securities gains (losses)	$-85,000	8,352
Applicable income taxes	$225,000	3,980
Income before extraordinary items	$1,090,000	3,957
Extraordinary gains, net	$0	45
Net income	$1,090,000	3,960
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$225,000	1,401
Cash dividends	$273,000	3,804
Sale, conversion, retirement of capital stock, net	$-401,000	8,714
Net operating income	$1,160,550	3,801
2006-06-30 (YTD Data)		Rank
Total interest income	$6,292,000	2,905
Total interest expense	$1,679,000	3,835
Net interest income	$4,613,000	2,481
Provision for loan and lease losses	$181,000	2,258
Total noninterest income	$787,000	2,618
Gross Fiduciary activities income	$12,000	1,136
Service charges on deposit accounts	$230,000	3,228
Trading account gains and fees	$0	126
Additional Noninterest Income	$545,000	2,102
Total noninterest expense	$4,231,000	2,085
Salaries and employee benefits	$2,582,000	1,890
Premises and equipment expense	$788,000	1,636
Additional noninterest expense	$861,000	2,934
Pre-tax net operating income	$988,000	3,820
Securities gains (losses)	$-85,000	8,501
Applicable income taxes	$156,000	3,950
Income before extraordinary items	$747,000	3,897
Extraordinary gains, net	$0	39
Net income	$747,000	3,900
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	2,112
Cash dividends	$182,000	3,808
Sale, conversion, retirement of capital stock, net	$-368,000	8,750
Net operating income	$817,550	3,691
2006-03-31 (YTD Data)		Rank
Total interest income	$3,069,000	2,906
Total interest expense	$809,000	3,790
Net interest income	$2,260,000	2,513
Provision for loan and lease losses	$90,000	2,132
Total noninterest income	$465,000	2,295
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$114,000	3,181
Trading account gains and fees	$0	115
Additional Noninterest Income	$351,000	1,725
Total noninterest expense	$2,231,000	1,981
Salaries and employee benefits	$1,381,000	1,781
Premises and equipment expense	$401,000	1,628
Additional noninterest expense	$449,000	2,810
Pre-tax net operating income	$404,000	4,255
Securities gains (losses)	$4,000	719
Applicable income taxes	$48,000	4,542
Income before extraordinary items	$360,000	3,958
Extraordinary gains, net	$0	21
Net income	$360,000	3,958
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	1,486
Cash dividends	$92,000	3,200
Sale, conversion, retirement of capital stock, net	$-107,000	8,748
Net operating income	$356,480	3,964
2005-12-31 (YTD Data)		Rank
Total interest income	$11,822,000	2,747
Total interest expense	$2,317,000	4,019
Net interest income	$9,505,000	2,327
Provision for loan and lease losses	$460,000	2,027
Total noninterest income	$1,430,000	2,775
Gross Fiduciary activities income	$51,000	1,044
Service charges on deposit accounts	$374,000	3,707
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,005,000	2,212
Total noninterest expense	$8,295,000	2,016
Salaries and employee benefits	$4,875,000	1,901
Premises and equipment expense	$1,455,000	1,682
Additional noninterest expense	$1,965,000	2,535
Pre-tax net operating income	$2,180,000	3,479
Securities gains (losses)	$63,000	858
Applicable income taxes	$428,000	3,596
Income before extraordinary items	$1,815,000	3,337
Extraordinary gains, net	$0	46
Net income	$1,815,000	3,339
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$434,000	1,308
Cash dividends	$551,000	3,474
Sale, conversion, retirement of capital stock, net	$-184,000	8,777
Net operating income	$1,763,970	3,384
2005-09-30 (YTD Data)		Rank
Total interest income	$8,758,000	2,721
Total interest expense	$1,604,000	4,109
Net interest income	$7,154,000	2,290
Provision for loan and lease losses	$270,000	2,383
Total noninterest income	$1,018,000	2,874
Gross Fiduciary activities income	$26,000	1,083
Service charges on deposit accounts	$260,000	3,879
Trading account gains and fees	$0	126
Additional Noninterest Income	$732,000	2,248
Total noninterest expense	$6,057,000	2,052
Salaries and employee benefits	$3,586,000	1,916
Premises and equipment expense	$1,078,000	1,691
Additional noninterest expense	$1,393,000	2,638
Pre-tax net operating income	$1,845,000	3,240
Securities gains (losses)	$36,000	995
Applicable income taxes	$459,000	3,091
Income before extraordinary items	$1,422,000	3,266
Extraordinary gains, net	$0	35
Net income	$1,422,000	3,267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	2,884
Cash dividends	$367,000	3,245
Sale, conversion, retirement of capital stock, net	$-174,000	8,819
Net operating income	$1,394,640	3,277
2005-06-30 (YTD Data)		Rank
Total interest income	$5,749,000	2,695
Total interest expense	$1,016,000	4,084
Net interest income	$4,733,000	2,293
Provision for loan and lease losses	$180,000	2,307
Total noninterest income	$669,000	2,866
Gross Fiduciary activities income	$14,000	1,110
Service charges on deposit accounts	$165,000	3,927
Trading account gains and fees	$0	116
Additional Noninterest Income	$490,000	2,217
Total noninterest expense	$3,929,000	2,085
Salaries and employee benefits	$2,318,000	1,950
Premises and equipment expense	$701,000	1,713
Additional noninterest expense	$910,000	2,670
Pre-tax net operating income	$1,293,000	3,082
Securities gains (losses)	$38,000	887
Applicable income taxes	$319,000	2,995
Income before extraordinary items	$1,012,000	3,063
Extraordinary gains, net	$0	30
Net income	$1,012,000	3,063
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	2,429
Cash dividends	$184,000	3,633
Sale, conversion, retirement of capital stock, net	$-174,000	8,841
Net operating income	$983,120	3,086
2005-03-31 (YTD Data)		Rank
Total interest income	$2,894,000	2,655
Total interest expense	$475,000	4,167
Net interest income	$2,419,000	2,222
Provision for loan and lease losses	$90,000	2,180
Total noninterest income	$335,000	2,813
Gross Fiduciary activities income	$1,000	1,320
Service charges on deposit accounts	$80,000	3,924
Trading account gains and fees	$0	115
Additional Noninterest Income	$254,000	2,129
Total noninterest expense	$2,008,000	2,059
Salaries and employee benefits	$1,191,000	1,923
Premises and equipment expense	$339,000	1,773
Additional noninterest expense	$478,000	2,541
Pre-tax net operating income	$656,000	3,015
Securities gains (losses)	$36,000	634
Applicable income taxes	$214,000	2,490
Income before extraordinary items	$478,000	3,150
Extraordinary gains, net	$0	24
Net income	$478,000	3,151
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	2,412
Cash dividends	$92,000	3,038
Sale, conversion, retirement of capital stock, net	$-104,000	8,909
Net operating income	$453,160	3,251
2004-12-31 (YTD Data)		Rank
Total interest income	$11,319,000	2,528
Total interest expense	$1,831,000	3,925
Net interest income	$9,488,000	2,147
Provision for loan and lease losses	$590,000	1,695
Total noninterest income	$1,415,000	2,792
Gross Fiduciary activities income	$45,000	1,076
Service charges on deposit accounts	$319,000	4,183
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,051,000	2,073
Total noninterest expense	$7,417,000	2,150
Salaries and employee benefits	$4,234,000	2,065
Premises and equipment expense	$1,423,000	1,632
Additional noninterest expense	$1,760,000	2,711
Pre-tax net operating income	$2,896,000	2,670
Securities gains (losses)	$29,000	2,137
Applicable income taxes	$633,000	2,932
Income before extraordinary items	$2,292,000	2,602
Extraordinary gains, net	$0	34
Net income	$2,292,000	2,605
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$433,000	1,504
Cash dividends	$376,000	4,010
Sale, conversion, retirement of capital stock, net	$-991,000	8,941
Net operating income	$2,269,380	2,575
2004-09-30 (YTD Data)		Rank
Total interest income	$8,425,000	2,512
Total interest expense	$1,395,000	3,821
Net interest income	$7,030,000	2,154
Provision for loan and lease losses	$500,000	1,450
Total noninterest income	$1,001,000	2,924
Gross Fiduciary activities income	$21,000	1,134
Service charges on deposit accounts	$235,000	4,247
Trading account gains and fees	$0	134
Additional Noninterest Income	$745,000	2,174
Total noninterest expense	$5,392,000	2,197
Salaries and employee benefits	$3,065,000	2,127
Premises and equipment expense	$1,066,000	1,638
Additional noninterest expense	$1,261,000	2,790
Pre-tax net operating income	$2,139,000	2,723
Securities gains (losses)	$20,000	2,305
Applicable income taxes	$450,000	3,083
Income before extraordinary items	$1,709,000	2,661
Extraordinary gains, net	$0	26
Net income	$1,709,000	2,663
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$333,000	1,340
Cash dividends	$284,000	3,540
Sale, conversion, retirement of capital stock, net	$-774,000	9,001
Net operating income	$1,693,200	2,621
2004-06-30 (YTD Data)		Rank
Total interest income	$5,560,000	2,513
Total interest expense	$968,000	3,701
Net interest income	$4,592,000	2,178
Provision for loan and lease losses	$430,000	1,152
Total noninterest income	$539,000	3,400
Gross Fiduciary activities income	$1,000	1,443
Service charges on deposit accounts	$154,000	4,263
Trading account gains and fees	$0	130
Additional Noninterest Income	$384,000	2,571
Total noninterest expense	$3,450,000	2,302
Salaries and employee benefits	$1,950,000	2,220
Premises and equipment expense	$652,000	1,768
Additional noninterest expense	$848,000	2,774
Pre-tax net operating income	$1,251,000	3,008
Securities gains (losses)	$12,000	2,314
Applicable income taxes	$295,000	3,110
Income before extraordinary items	$968,000	3,016
Extraordinary gains, net	$0	21
Net income	$968,000	3,016
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$208,000	1,334
Cash dividends	$190,000	3,550
Sale, conversion, retirement of capital stock, net	$-181,000	9,052
Net operating income	$958,760	2,957
2004-03-31 (YTD Data)		Rank
Total interest income	$2,734,000	2,552
Total interest expense	$513,000	3,566
Net interest income	$2,221,000	2,257
Provision for loan and lease losses	$370,000	684
Total noninterest income	$236,000	3,649
Gross Fiduciary activities income	$1,000	1,344
Service charges on deposit accounts	$73,000	4,329
Trading account gains and fees	$0	121
Additional Noninterest Income	$162,000	2,805
Total noninterest expense	$1,675,000	2,377
Salaries and employee benefits	$903,000	2,400
Premises and equipment expense	$330,000	1,776
Additional noninterest expense	$442,000	2,649
Pre-tax net operating income	$412,000	4,006
Securities gains (losses)	$5,000	2,336
Applicable income taxes	$150,000	3,099
Income before extraordinary items	$267,000	4,581
Extraordinary gains, net	$0	16
Net income	$267,000	4,580
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$353,000	546
Cash dividends	$95,000	2,963
Sale, conversion, retirement of capital stock, net	$-176,000	9,100
Net operating income	$263,800	4,485
2003-12-31 (YTD Data)		Rank
Total interest income	$11,395,000	2,500
Total interest expense	$2,547,000	3,288
Net interest income	$8,848,000	2,181
Provision for loan and lease losses	$400,000	2,580
Total noninterest income	$1,129,000	3,439
Gross Fiduciary activities income	$39,000	1,125
Service charges on deposit accounts	$307,000	4,245
Trading account gains and fees	$0	160
Additional Noninterest Income	$783,000	2,772
Total noninterest expense	$6,814,000	2,307
Salaries and employee benefits	$3,819,000	2,229
Premises and equipment expense	$1,431,000	1,593
Additional noninterest expense	$1,564,000	2,960
Pre-tax net operating income	$2,763,000	2,677
Securities gains (losses)	$45,000	2,612
Applicable income taxes	$627,000	2,970
Income before extraordinary items	$2,181,000	2,684
Extraordinary gains, net	$0	54
Net income	$2,181,000	2,686
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$229,000	2,648
Cash dividends	$382,000	4,024
Sale, conversion, retirement of capital stock, net	$-80,000	9,106
Net operating income	$2,145,900	2,582
2003-09-30 (YTD Data)		Rank
Total interest income	$8,534,000	2,545
Total interest expense	$2,002,000	3,287
Net interest income	$6,532,000	2,239
Provision for loan and lease losses	$292,000	2,566
Total noninterest income	$827,000	3,560
Gross Fiduciary activities income	$19,000	1,187
Service charges on deposit accounts	$228,000	4,284
Trading account gains and fees	$0	153
Additional Noninterest Income	$580,000	2,874
Total noninterest expense	$4,837,000	2,447
Salaries and employee benefits	$2,704,000	2,346
Premises and equipment expense	$1,027,000	1,671
Additional noninterest expense	$1,106,000	3,116
Pre-tax net operating income	$2,230,000	2,617
Securities gains (losses)	$42,000	2,463
Applicable income taxes	$486,000	3,081
Income before extraordinary items	$1,786,000	2,585
Extraordinary gains, net	$0	40
Net income	$1,786,000	2,583
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,000	2,725
Cash dividends	$286,000	3,577
Sale, conversion, retirement of capital stock, net	$-8,000	9,134
Net operating income	$1,752,820	2,485
2003-06-30 (YTD Data)		Rank
Total interest income	$5,729,000	2,542
Total interest expense	$1,438,000	3,179
Net interest income	$4,291,000	2,270
Provision for loan and lease losses	$202,000	2,495
Total noninterest income	$487,000	3,799
Gross Fiduciary activities income	$1,000	1,488
Service charges on deposit accounts	$148,000	4,326
Trading account gains and fees	$0	150
Additional Noninterest Income	$338,000	3,077
Total noninterest expense	$3,219,000	2,439
Salaries and employee benefits	$1,829,000	2,310
Premises and equipment expense	$661,000	1,714
Additional noninterest expense	$729,000	3,124
Pre-tax net operating income	$1,357,000	2,815
Securities gains (losses)	$6,000	3,151
Applicable income taxes	$262,000	3,471
Income before extraordinary items	$1,101,000	2,763
Extraordinary gains, net	$0	30
Net income	$1,101,000	2,762
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$151,000	1,963
Cash dividends	$191,000	3,574
Sale, conversion, retirement of capital stock, net	$-8,000	9,186
Net operating income	$1,096,140	2,617
2003-03-31 (YTD Data)		Rank
Total interest income	$2,870,000	2,549
Total interest expense	$740,000	3,152
Net interest income	$2,130,000	2,284
Provision for loan and lease losses	$82,000	2,707
Total noninterest income	$219,000	3,938
Gross Fiduciary activities income	$1,000	1,409
Service charges on deposit accounts	$75,000	4,221
Trading account gains and fees	$0	134
Additional Noninterest Income	$143,000	3,308
Total noninterest expense	$1,563,000	2,479
Salaries and employee benefits	$861,000	2,451
Premises and equipment expense	$341,000	1,674
Additional noninterest expense	$361,000	3,108
Pre-tax net operating income	$704,000	2,726
Securities gains (losses)	$1,000	2,714
Applicable income taxes	$127,000	3,521
Income before extraordinary items	$578,000	2,625
Extraordinary gains, net	$0	21
Net income	$578,000	2,623
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$140,000	1,181
Cash dividends	$95,000	3,018
Sale, conversion, retirement of capital stock, net	$-8,000	9,257
Net operating income	$577,180	2,486
2002-12-31 (YTD Data)		Rank
Total interest income	$11,941,000	2,573
Total interest expense	$3,677,000	2,960
Net interest income	$8,264,000	2,338
Provision for loan and lease losses	$327,000	3,264
Total noninterest income	$887,000	3,743
Gross Fiduciary activities income	$62,000	1,074
Service charges on deposit accounts	$305,000	4,190
Trading account gains and fees	$0	153
Additional Noninterest Income	$520,000	3,213
Total noninterest expense	$6,333,000	2,352
Salaries and employee benefits	$3,598,000	2,231
Premises and equipment expense	$1,295,000	1,700
Additional noninterest expense	$1,440,000	3,054
Pre-tax net operating income	$2,491,000	2,887
Securities gains (losses)	$22,000	3,078
Applicable income taxes	$481,000	3,530
Income before extraordinary items	$2,032,000	2,765
Extraordinary gains, net	$0	70
Net income	$2,032,000	2,763
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$246,000	2,690
Cash dividends	$386,000	3,927
Sale, conversion, retirement of capital stock, net	$-714,000	9,313
Net operating income	$2,014,180	2,695
2001-12-31 (YTD Data)		Rank
Total interest income	$12,163,000	2,784
Total interest expense	$4,659,000	3,359
Net interest income	$7,504,000	2,389
Provision for loan and lease losses	$180,000	4,345
Total noninterest income	$810,000	3,819
Gross Fiduciary activities income	$64,000	1,090
Service charges on deposit accounts	$263,000	4,507
Trading account gains and fees	$0	177
Additional Noninterest Income	$483,000	3,184
Total noninterest expense	$6,043,000	2,363
Salaries and employee benefits	$3,293,000	2,278
Premises and equipment expense	$1,330,000	1,619
Additional noninterest expense	$1,420,000	3,017
Pre-tax net operating income	$2,091,000	3,074
Securities gains (losses)	$17,000	3,266
Applicable income taxes	$367,000	3,902
Income before extraordinary items	$1,741,000	2,873
Extraordinary gains, net	$0	105
Net income	$1,741,000	2,876
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$188,000	2,969
Cash dividends	$391,000	3,941
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,726,890	2,803
2000-12-31 (YTD Data)		Rank
Total interest income	$11,849,000	2,929
Total interest expense	$4,745,000	3,470
Net interest income	$7,104,000	2,506
Provision for loan and lease losses	$205,000	3,684
Total noninterest income	$532,000	4,732
Gross Fiduciary activities income	$40,000	1,080
Service charges on deposit accounts	$299,000	4,068
Trading account gains and fees	$0	180
Additional Noninterest Income	$193,000	4,880
Total noninterest expense	$5,254,000	2,583
Salaries and employee benefits	$2,845,000	2,510
Premises and equipment expense	$1,072,000	1,944
Additional noninterest expense	$1,337,000	3,100
Pre-tax net operating income	$2,177,000	3,112
Securities gains (losses)	$-13,000	8,489
Applicable income taxes	$383,000	4,069
Income before extraordinary items	$1,781,000	2,822
Extraordinary gains, net	$0	38
Net income	$1,781,000	2,822
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$303,000	1,804
Cash dividends	$391,000	4,018
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,791,660	2,806
1999-12-31 (YTD Data)		Rank
Total interest income	$11,130,000	2,904
Total interest expense	$4,536,000	3,217
Net interest income	$6,594,000	2,654
Provision for loan and lease losses	$110,000	5,020
Total noninterest income	$426,000	5,428
Gross Fiduciary activities income	$32,000	1,157
Service charges on deposit accounts	$227,000	4,771
Trading account gains and fees	$31,000	139
Additional Noninterest Income	$136,000	5,845
Total noninterest expense	$4,684,000	2,882
Salaries and employee benefits	$2,614,000	2,690
Premises and equipment expense	$832,000	2,436
Additional noninterest expense	$1,238,000	3,332
Pre-tax net operating income	$2,226,000	3,063
Securities gains (losses)	$3,000	2,393
Applicable income taxes	$458,000	3,813
Income before extraordinary items	$1,771,000	2,848
Extraordinary gains, net	$0	35
Net income	$1,771,000	2,849
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$91,000	3,756
Cash dividends	$391,000	4,018
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,768,630	2,818
1998-12-31 (YTD Data)		Rank
Total interest income	$10,844,000	2,981
Total interest expense	$4,642,000	3,207
Net interest income	$6,202,000	2,768
Provision for loan and lease losses	$180,000	3,728
Total noninterest income	$305,000	6,426
Gross Fiduciary activities income	$20,000	1,217
Service charges on deposit accounts	$198,000	5,178
Trading account gains and fees	$-58,000	4,430
Additional Noninterest Income	$145,000	5,772
Total noninterest expense	$3,943,000	3,239
Salaries and employee benefits	$2,166,000	3,093
Premises and equipment expense	$688,000	2,812
Additional noninterest expense	$1,089,000	3,659
Pre-tax net operating income	$2,384,000	2,904
Securities gains (losses)	$75,000	1,462
Applicable income taxes	$623,000	3,304
Income before extraordinary items	$1,836,000	2,751
Extraordinary gains, net	$0	32
Net income	$1,836,000	2,752
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$195,000	2,488
Cash dividends	$394,000	4,062
Sale, conversion, retirement of capital stock, net	$-1,327,000	10,432
Net operating income	$1,779,750	2,739
1997-12-31 (YTD Data)		Rank
Total interest income	$10,408,000	3,110
Total interest expense	$4,495,000	3,301
Net interest income	$5,913,000	2,949
Provision for loan and lease losses	$220,000	3,234
Total noninterest income	$454,000	5,297
Gross Fiduciary activities income	$21,000	1,276
Service charges on deposit accounts	$177,000	5,707
Trading account gains and fees	$27,000	190
Additional Noninterest Income	$229,000	4,621
Total noninterest expense	$3,467,000	3,642
Salaries and employee benefits	$2,019,000	3,276
Premises and equipment expense	$569,000	3,312
Additional noninterest expense	$879,000	4,397
Pre-tax net operating income	$2,680,000	2,746
Securities gains (losses)	$42,000	1,434
Applicable income taxes	$670,000	3,364
Income before extraordinary items	$2,052,000	2,528
Extraordinary gains, net	$0	44
Net income	$2,052,000	2,527
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$224,000	2,372
Cash dividends	$413,000	3,882
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,020,500	2,508
1996-12-31 (YTD Data)		Rank
Total interest income	$10,230,000	3,212
Total interest expense	$4,527,000	3,299
Net interest income	$5,703,000	3,103
Provision for loan and lease losses	$210,000	3,297
Total noninterest income	$296,000	6,999
Gross Fiduciary activities income	$20,000	1,349
Service charges on deposit accounts	$178,000	5,952
Trading account gains and fees	$0	262
Additional Noninterest Income	$98,000	7,185
Total noninterest expense	$3,249,000	4,046
Salaries and employee benefits	$1,877,000	3,531
Premises and equipment expense	$493,000	3,822
Additional noninterest expense	$879,000	4,844
Pre-tax net operating income	$2,540,000	2,742
Securities gains (losses)	$-30,000	10,843
Applicable income taxes	$643,000	3,388
Income before extraordinary items	$1,867,000	2,608
Extraordinary gains, net	$0	53
Net income	$1,867,000	2,610
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$173,000	2,918
Cash dividends	$372,000	4,075
Sale, conversion, retirement of capital stock, net	$51,000	719
Net operating income	$1,889,200	2,531
1995-12-31 (YTD Data)		Rank
Total interest income	$9,863,000	3,319
Total interest expense	$4,287,000	3,474
Net interest income	$5,576,000	3,185
Provision for loan and lease losses	$210,000	2,900
Total noninterest income	$313,000	6,936
Gross Fiduciary activities income	$18,000	1,421
Service charges on deposit accounts	$170,000	6,257
Trading account gains and fees	$14,000	412
Additional Noninterest Income	$111,000	6,893
Total noninterest expense	$3,266,000	3,987
Salaries and employee benefits	$1,644,000	3,947
Premises and equipment expense	$465,000	3,996
Additional noninterest expense	$1,157,000	3,864
Pre-tax net operating income	$2,413,000	2,949
Securities gains (losses)	$-251,000	11,718
Applicable income taxes	$409,000	4,875
Income before extraordinary items	$1,753,000	2,809
Extraordinary gains, net	$0	65
Net income	$1,753,000	2,807
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$179,000	2,677
Cash dividends	$287,000	4,678
Sale, conversion, retirement of capital stock, net	$-476,000	10,504
Net operating income	$1,956,310	2,532
1994-12-31 (YTD Data)		Rank
Total interest income	$9,275,000	3,254
Total interest expense	$3,447,000	3,491
Net interest income	$5,828,000	3,082
Provision for loan and lease losses	$339,000	2,072
Total noninterest income	$301,000	7,238
Gross Fiduciary activities income	$19,000	1,422
Service charges on deposit accounts	$134,000	7,250
Trading account gains and fees	$23,000	333
Additional Noninterest Income	$125,000	6,797
Total noninterest expense	$3,077,000	4,315
Salaries and employee benefits	$1,480,000	4,328
Premises and equipment expense	$469,000	4,020
Additional noninterest expense	$1,128,000	4,276
Pre-tax net operating income	$2,713,000	2,615
Securities gains (losses)	$-198,000	11,948
Applicable income taxes	$583,000	3,600
Income before extraordinary items	$1,932,000	2,512
Extraordinary gains, net	$0	249
Net income	$1,932,000	2,512
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$505,000	1,366
Cash dividends	$303,000	4,406
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$2,084,460	2,352
1993-12-31 (YTD Data)		Rank
Total interest income	$9,252,000	3,344
Total interest expense	$3,608,000	3,478
Net interest income	$5,644,000	3,199
Provision for loan and lease losses	$820,000	1,486
Total noninterest income	$315,000	7,443
Gross Fiduciary activities income	$17,000	1,459
Service charges on deposit accounts	$148,000	7,140
Trading account gains and fees	$25,000	362
Additional Noninterest Income	$125,000	7,168
Total noninterest expense	$2,810,000	4,774
Salaries and employee benefits	$1,398,000	4,563
Premises and equipment expense	$408,000	4,640
Additional noninterest expense	$1,004,000	4,908
Pre-tax net operating income	$2,328,000	2,901
Securities gains (losses)	$102,000	2,479
Applicable income taxes	$642,000	3,382
Income before extraordinary items	$1,788,000	2,778
Extraordinary gains, net	$220,000	947
Net income	$2,008,000	2,595
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$467,000	1,844
Cash dividends	$249,000	4,920
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,712,520	2,724
1992-12-31 (YTD Data)		Rank
Total interest income	$10,088,000	3,460
Total interest expense	$4,879,000	3,385
Net interest income	$5,209,000	3,496
Provision for loan and lease losses	$640,000	2,521
Total noninterest income	$361,000	6,958
Gross Fiduciary activities income	$19,000	1,491
Service charges on deposit accounts	$143,000	7,298
Trading account gains and fees	$20,000	376
Additional Noninterest Income	$179,000	6,053
Total noninterest expense	$2,640,000	5,057
Salaries and employee benefits	$1,303,000	4,814
Premises and equipment expense	$503,000	3,953
Additional noninterest expense	$834,000	5,866
Pre-tax net operating income	$2,289,000	2,729
Securities gains (losses)	$11,000	6,349
Applicable income taxes	$705,000	2,953
Income before extraordinary items	$1,595,000	2,882
Extraordinary gains, net	$0	1,422
Net income	$1,595,000	2,919
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$842,000	1,753
Cash dividends	$240,000	4,583
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,587,410	2,674

* 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.