Home > Rocky Mountain Bank > Income and Expense

Rocky Mountain Bank, Income and Expense

2023-06-30 (YTD Data)		Rank
Total interest income	$15,412,000	1,308
Total interest expense	$3,619,000	1,380
Net interest income	$11,793,000	1,276
Provision for loan and lease losses	$1,941,000	367
Total noninterest income	$2,020,000	1,291
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$728,000	740
Trading account gains and fees	$0	112
Additional Noninterest Income	$1,292,000	1,300
Total noninterest expense	$9,478,000	1,245
Salaries and employee benefits	$2,385,000	2,248
Premises and equipment expense	$793,000	1,468
Additional noninterest expense	$1,292,000	1,299
Pre-tax net operating income	$2,394,000	2,021
Securities gains (losses)	$-85,000	4,187
Applicable income taxes	$413,000	1,618
Income before extraordinary items	$1,896,000	2,129
Extraordinary gains, net	$0	51
Net income	$1,896,000	2,154
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,896,000	2,129
Net charge-offs	$15,000	1,656
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$1,965,700	2,090
2023-03-31 (YTD Data)		Rank
Total interest income	$7,666,000	1,301
Total interest expense	$1,518,000	1,412
Net interest income	$6,148,000	1,239
Provision for loan and lease losses	$2,377,000	214
Total noninterest income	$972,000	1,321
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$360,000	758
Trading account gains and fees	$0	97
Additional Noninterest Income	$612,000	1,345
Total noninterest expense	$4,620,000	1,284
Salaries and employee benefits	$1,190,000	2,290
Premises and equipment expense	$390,000	1,513
Additional noninterest expense	$612,000	1,345
Pre-tax net operating income	$123,000	4,128
Securities gains (losses)	$-66,000	4,296
Applicable income taxes	$-73,000	4,575
Income before extraordinary items	$130,000	4,041
Extraordinary gains, net	$0	4
Net income	$130,000	4,041
Minority interest net income	$0	48
Net income of bank and minority interests.	$130,000	4,041
Net charge-offs	$5,000	1,579
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$196,000	3,847
2022-12-31 (YTD Data)		Rank
Total interest income	$25,516,000	1,292
Total interest expense	$2,396,000	1,404
Net interest income	$23,120,000	1,279
Provision for loan and lease losses	$860,000	904
Total noninterest income	$3,158,000	1,586
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$1,442,000	767
Trading account gains and fees	$0	116
Additional Noninterest Income	$1,716,000	1,766
Total noninterest expense	$17,653,000	1,304
Salaries and employee benefits	$4,348,000	2,363
Premises and equipment expense	$1,382,000	1,622
Additional noninterest expense	$1,716,000	1,766
Pre-tax net operating income	$7,765,000	1,517
Securities gains (losses)	$-257,000	4,167
Applicable income taxes	$1,853,000	1,136
Income before extraordinary items	$5,655,000	1,681
Extraordinary gains, net	$0	5
Net income	$5,655,000	1,679
Minority interest net income	$0	63
Net income of bank and minority interests.	$5,655,000	1,680
Net charge-offs	$90,000	1,277
Cash dividends	$1,000,000	2,143
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$5,858,030	1,683
2022-09-30 (YTD Data)		Rank
Total interest income	$17,974,000	1,309
Total interest expense	$1,207,000	1,551
Net interest income	$16,767,000	1,297
Provision for loan and lease losses	$678,000	800
Total noninterest income	$2,364,000	1,606
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$1,069,000	775
Trading account gains and fees	$0	111
Additional Noninterest Income	$1,295,000	1,792
Total noninterest expense	$13,452,000	1,283
Salaries and employee benefits	$3,567,000	2,255
Premises and equipment expense	$1,075,000	1,586
Additional noninterest expense	$1,295,000	1,792
Pre-tax net operating income	$5,001,000	1,700
Securities gains (losses)	$-257,000	4,389
Applicable income taxes	$1,238,000	1,216
Income before extraordinary items	$3,506,000	1,894
Extraordinary gains, net	$0	4
Net income	$3,506,000	1,893
Minority interest net income	$0	57
Net income of bank and minority interests.	$3,506,000	1,893
Net charge-offs	$21,000	1,579
Cash dividends	$1,000,000	1,660
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$3,709,030	1,853
2022-06-30 (YTD Data)		Rank
Total interest income	$11,233,000	1,337
Total interest expense	$486,000	1,998
Net interest income	$10,747,000	1,307
Provision for loan and lease losses	$404,000	778
Total noninterest income	$1,183,000	1,881
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$706,000	783
Trading account gains and fees	$0	108
Additional Noninterest Income	$477,000	2,440
Total noninterest expense	$9,029,000	1,272
Salaries and employee benefits	$2,412,000	2,232
Premises and equipment expense	$722,000	1,590
Additional noninterest expense	$5,895,000	667
Pre-tax net operating income	$2,497,000	1,932
Securities gains (losses)	$-145,000	4,422
Applicable income taxes	$663,000	1,282
Income before extraordinary items	$1,689,000	2,194
Extraordinary gains, net	$0	4
Net income	$1,689,000	2,194
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,689,000	2,194
Net charge-offs	$-24,000	3,945
Cash dividends	$1,000,000	1,328
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,803,550	2,159
2022-03-31 (YTD Data)		Rank
Total interest income	$5,256,000	1,370
Total interest expense	$163,000	2,518
Net interest income	$5,093,000	1,326
Provision for loan and lease losses	$-9,000	4,414
Total noninterest income	$547,000	1,969
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$344,000	791
Trading account gains and fees	$0	103
Additional Noninterest Income	$203,000	2,551
Total noninterest expense	$4,567,000	1,254
Salaries and employee benefits	$1,228,000	2,200
Premises and equipment expense	$372,000	1,575
Additional noninterest expense	$2,967,000	656
Pre-tax net operating income	$1,082,000	2,007
Securities gains (losses)	$-49,000	4,454
Applicable income taxes	$280,000	1,364
Income before extraordinary items	$753,000	2,266
Extraordinary gains, net	$0	4
Net income	$753,000	2,265
Minority interest net income	$0	50
Net income of bank and minority interests.	$753,000	2,266
Net charge-offs	$7,000	1,284
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$791,710	2,231
2021-12-31 (YTD Data)		Rank
Total interest income	$21,165,000	1,405
Total interest expense	$866,000	2,423
Net interest income	$20,299,000	1,347
Provision for loan and lease losses	$-1,220,000	4,553
Total noninterest income	$3,657,000	1,595
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$1,334,000	768
Trading account gains and fees	$0	132
Additional Noninterest Income	$2,323,000	1,771
Total noninterest expense	$16,304,000	1,355
Salaries and employee benefits	$4,161,000	2,429
Premises and equipment expense	$1,339,000	1,668
Additional noninterest expense	$10,804,000	725
Pre-tax net operating income	$8,872,000	1,382
Securities gains (losses)	$374,000	435
Applicable income taxes	$2,084,000	1,065
Income before extraordinary items	$7,162,000	1,481
Extraordinary gains, net	$0	10
Net income	$7,162,000	1,480
Minority interest net income	$0	74
Net income of bank and minority interests.	$7,162,000	1,481
Net charge-offs	$-829,000	4,770
Cash dividends	$3,100,000	1,140
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$6,866,540	1,490
2021-09-30 (YTD Data)		Rank
Total interest income	$15,661,000	1,454
Total interest expense	$687,000	2,433
Net interest income	$14,974,000	1,386
Provision for loan and lease losses	$-252,000	4,478
Total noninterest income	$2,636,000	1,669
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$996,000	764
Trading account gains and fees	$0	132
Additional Noninterest Income	$1,640,000	1,871
Total noninterest expense	$11,911,000	1,396
Salaries and employee benefits	$3,153,000	2,438
Premises and equipment expense	$1,005,000	1,693
Additional noninterest expense	$7,753,000	750
Pre-tax net operating income	$5,951,000	1,563
Securities gains (losses)	$192,000	572
Applicable income taxes	$1,368,000	1,224
Income before extraordinary items	$4,775,000	1,663
Extraordinary gains, net	$0	8
Net income	$4,775,000	1,662
Minority interest net income	$0	69
Net income of bank and minority interests.	$4,775,000	1,663
Net charge-offs	$-89,000	4,427
Cash dividends	$3,100,000	830
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$4,623,320	1,673
2021-06-30 (YTD Data)		Rank
Total interest income	$10,250,000	1,480
Total interest expense	$490,000	2,412
Net interest income	$9,760,000	1,406
Provision for loan and lease losses	$-619,000	4,637
Total noninterest income	$1,791,000	1,624
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$638,000	770
Trading account gains and fees	$0	133
Additional Noninterest Income	$1,153,000	1,778
Total noninterest expense	$7,758,000	1,412
Salaries and employee benefits	$2,021,000	2,490
Premises and equipment expense	$668,000	1,691
Additional noninterest expense	$5,069,000	759
Pre-tax net operating income	$4,412,000	1,429
Securities gains (losses)	$172,000	500
Applicable income taxes	$1,010,000	1,138
Income before extraordinary items	$3,574,000	1,519
Extraordinary gains, net	$0	6
Net income	$3,574,000	1,520
Minority interest net income	$0	67
Net income of bank and minority interests.	$3,574,000	1,519
Net charge-offs	$-71,000	4,479
Cash dividends	$2,100,000	811
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$3,438,120	1,527
2021-03-31 (YTD Data)		Rank
Total interest income	$4,964,000	1,523
Total interest expense	$262,000	2,376
Net interest income	$4,702,000	1,434
Provision for loan and lease losses	$-251,000	4,712
Total noninterest income	$732,000	1,825
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$309,000	773
Trading account gains and fees	$0	127
Additional Noninterest Income	$423,000	2,096
Total noninterest expense	$3,815,000	1,425
Salaries and employee benefits	$967,000	2,547
Premises and equipment expense	$345,000	1,662
Additional noninterest expense	$2,503,000	747
Pre-tax net operating income	$1,870,000	1,602
Securities gains (losses)	$2,000	1,277
Applicable income taxes	$420,000	1,268
Income before extraordinary items	$1,452,000	1,763
Extraordinary gains, net	$0	3
Net income	$1,452,000	1,763
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,452,000	1,763
Net charge-offs	$-42,000	4,565
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,450,420	1,724
2020-12-31 (YTD Data)		Rank
Total interest income	$21,853,000	1,373
Total interest expense	$1,721,000	2,169
Net interest income	$20,132,000	1,272
Provision for loan and lease losses	$1,671,000	1,174
Total noninterest income	$3,563,000	1,569
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$1,264,000	772
Trading account gains and fees	$0	133
Additional Noninterest Income	$2,299,000	1,663
Total noninterest expense	$15,400,000	1,382
Salaries and employee benefits	$4,442,000	2,318
Premises and equipment expense	$1,400,000	1,601
Additional noninterest expense	$9,558,000	766
Pre-tax net operating income	$6,624,000	1,440
Securities gains (losses)	$52,000	1,712
Applicable income taxes	$1,437,000	1,163
Income before extraordinary items	$5,239,000	1,573
Extraordinary gains, net	$0	4
Net income	$5,239,000	1,573
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,239,000	1,573
Net charge-offs	$362,000	1,178
Cash dividends	$2,500,000	1,288
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$5,197,920	1,546
2020-09-30 (YTD Data)		Rank
Total interest income	$16,513,000	1,379
Total interest expense	$1,417,000	2,115
Net interest income	$15,096,000	1,260
Provision for loan and lease losses	$1,559,000	1,034
Total noninterest income	$2,648,000	1,535
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$931,000	783
Trading account gains and fees	$0	125
Additional Noninterest Income	$1,717,000	1,621
Total noninterest expense	$11,942,000	1,320
Salaries and employee benefits	$3,458,000	2,238
Premises and equipment expense	$1,126,000	1,517
Additional noninterest expense	$7,358,000	740
Pre-tax net operating income	$4,243,000	1,608
Securities gains (losses)	$48,000	1,554
Applicable income taxes	$932,000	1,241
Income before extraordinary items	$3,359,000	1,757
Extraordinary gains, net	$0	4
Net income	$3,359,000	1,757
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,359,000	1,757
Net charge-offs	$393,000	880
Cash dividends	$2,500,000	915
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$3,321,080	1,720
2020-06-30 (YTD Data)		Rank
Total interest income	$11,652,000	1,320
Total interest expense	$1,077,000	2,062
Net interest income	$10,575,000	1,212
Provision for loan and lease losses	$1,438,000	881
Total noninterest income	$1,825,000	1,442
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$600,000	804
Trading account gains and fees	$0	123
Additional Noninterest Income	$1,225,000	1,488
Total noninterest expense	$8,106,000	1,293
Salaries and employee benefits	$2,297,000	2,249
Premises and equipment expense	$743,000	1,524
Additional noninterest expense	$5,066,000	707
Pre-tax net operating income	$2,856,000	1,520
Securities gains (losses)	$-80,000	4,940
Applicable income taxes	$622,000	1,167
Income before extraordinary items	$2,154,000	1,743
Extraordinary gains, net	$0	4
Net income	$2,154,000	1,744
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,154,000	1,744
Net charge-offs	$-108,000	4,901
Cash dividends	$1,500,000	984
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,217,200	1,645
2020-03-31 (YTD Data)		Rank
Total interest income	$5,918,000	1,310
Total interest expense	$699,000	1,847
Net interest income	$5,219,000	1,201
Provision for loan and lease losses	$1,464,000	487
Total noninterest income	$926,000	1,360
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$344,000	835
Trading account gains and fees	$0	106
Additional Noninterest Income	$582,000	1,379
Total noninterest expense	$4,254,000	1,248
Salaries and employee benefits	$1,166,000	2,241
Premises and equipment expense	$369,000	1,549
Additional noninterest expense	$2,719,000	665
Pre-tax net operating income	$427,000	2,981
Securities gains (losses)	$-38,000	4,931
Applicable income taxes	$133,000	1,719
Income before extraordinary items	$256,000	3,464
Extraordinary gains, net	$0	4
Net income	$256,000	3,465
Minority interest net income	$0	56
Net income of bank and minority interests.	$256,000	3,465
Net charge-offs	$22,000	1,562
Cash dividends	$1,500,000	602
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$286,020	3,318
2019-12-31 (YTD Data)		Rank
Total interest income	$22,623,000	1,372
Total interest expense	$2,745,000	1,918
Net interest income	$19,878,000	1,266
Provision for loan and lease losses	$1,693,000	598
Total noninterest income	$3,140,000	1,520
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,504,000	799
Trading account gains and fees	$0	135
Additional Noninterest Income	$1,636,000	1,727
Total noninterest expense	$16,374,000	1,255
Salaries and employee benefits	$5,458,000	1,981
Premises and equipment expense	$1,839,000	1,244
Additional noninterest expense	$9,077,000	763
Pre-tax net operating income	$4,951,000	1,771
Securities gains (losses)	$-116,000	5,090
Applicable income taxes	$1,026,000	1,415
Income before extraordinary items	$3,809,000	1,951
Extraordinary gains, net	$0	11
Net income	$3,809,000	1,952
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,809,000	1,953
Net charge-offs	$688,000	859
Cash dividends	$3,000,000	1,180
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$3,900,640	1,887
2019-09-30 (YTD Data)		Rank
Total interest income	$16,996,000	1,377
Total interest expense	$1,983,000	1,988
Net interest income	$15,013,000	1,267
Provision for loan and lease losses	$1,808,000	444
Total noninterest income	$2,821,000	1,361
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$1,115,000	808
Trading account gains and fees	$0	129
Additional Noninterest Income	$1,706,000	1,419
Total noninterest expense	$12,255,000	1,263
Salaries and employee benefits	$4,123,000	1,976
Premises and equipment expense	$1,328,000	1,302
Additional noninterest expense	$6,804,000	765
Pre-tax net operating income	$3,771,000	1,798
Securities gains (losses)	$-116,000	5,170
Applicable income taxes	$798,000	1,422
Income before extraordinary items	$2,857,000	2,007
Extraordinary gains, net	$0	11
Net income	$2,857,000	2,007
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,857,000	2,008
Net charge-offs	$611,000	672
Cash dividends	$3,000,000	869
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,948,640	1,929
2019-06-30 (YTD Data)		Rank
Total interest income	$11,226,000	1,386
Total interest expense	$1,224,000	2,067
Net interest income	$10,002,000	1,273
Provision for loan and lease losses	$1,076,000	461
Total noninterest income	$2,038,000	1,257
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$725,000	823
Trading account gains and fees	$0	131
Additional Noninterest Income	$1,313,000	1,265
Total noninterest expense	$8,134,000	1,278
Salaries and employee benefits	$2,709,000	1,999
Premises and equipment expense	$897,000	1,296
Additional noninterest expense	$4,528,000	773
Pre-tax net operating income	$2,830,000	1,622
Securities gains (losses)	$-122,000	5,223
Applicable income taxes	$572,000	1,328
Income before extraordinary items	$2,136,000	1,817
Extraordinary gains, net	$0	11
Net income	$2,136,000	1,816
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,136,000	1,817
Net charge-offs	$186,000	1,041
Cash dividends	$2,000,000	856
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,232,380	1,719
2019-03-31 (YTD Data)		Rank
Total interest income	$5,531,000	1,392
Total interest expense	$568,000	2,135
Net interest income	$4,963,000	1,275
Provision for loan and lease losses	$252,000	781
Total noninterest income	$1,026,000	1,219
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$341,000	854
Trading account gains and fees	$0	126
Additional Noninterest Income	$685,000	1,183
Total noninterest expense	$4,006,000	1,291
Salaries and employee benefits	$1,316,000	2,055
Premises and equipment expense	$415,000	1,408
Additional noninterest expense	$2,275,000	760
Pre-tax net operating income	$1,731,000	1,354
Securities gains (losses)	$-13,000	5,131
Applicable income taxes	$361,000	1,121
Income before extraordinary items	$1,357,000	1,470
Extraordinary gains, net	$0	5
Net income	$1,357,000	1,469
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,357,000	1,469
Net charge-offs	$10,000	1,981
Cash dividends	$1,000,000	809
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,367,270	1,434
2018-12-31 (YTD Data)		Rank
Total interest income	$21,944,000	1,331
Total interest expense	$1,902,000	1,999
Net interest income	$20,042,000	1,239
Provision for loan and lease losses	$1,744,000	563
Total noninterest income	$7,856,000	815
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,396,000	877
Trading account gains and fees	$0	126
Additional Noninterest Income	$6,460,000	686
Total noninterest expense	$19,917,000	1,068
Salaries and employee benefits	$7,061,000	1,586
Premises and equipment expense	$1,980,000	1,184
Additional noninterest expense	$10,876,000	651
Pre-tax net operating income	$6,237,000	1,466
Securities gains (losses)	$7,000	778
Applicable income taxes	$1,447,000	1,076
Income before extraordinary items	$4,797,000	1,633
Extraordinary gains, net	$0	6
Net income	$4,797,000	1,632
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,797,000	1,632
Net charge-offs	$1,258,000	486
Cash dividends	$4,000,000	866
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,791,470	1,631
2018-09-30 (YTD Data)		Rank
Total interest income	$16,377,000	1,324
Total interest expense	$1,363,000	1,990
Net interest income	$15,014,000	1,240
Provision for loan and lease losses	$1,607,000	449
Total noninterest income	$6,898,000	731
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$1,013,000	897
Trading account gains and fees	$0	138
Additional Noninterest Income	$5,885,000	603
Total noninterest expense	$15,762,000	1,024
Salaries and employee benefits	$6,039,000	1,406
Premises and equipment expense	$1,574,000	1,126
Additional noninterest expense	$8,149,000	631
Pre-tax net operating income	$4,543,000	1,518
Securities gains (losses)	$7,000	778
Applicable income taxes	$983,000	1,179
Income before extraordinary items	$3,567,000	1,656
Extraordinary gains, net	$0	5
Net income	$3,567,000	1,654
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,567,000	1,655
Net charge-offs	$1,227,000	379
Cash dividends	$2,500,000	894
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,561,470	1,644
2018-06-30 (YTD Data)		Rank
Total interest income	$10,753,000	1,329
Total interest expense	$836,000	2,025
Net interest income	$9,917,000	1,245
Provision for loan and lease losses	$924,000	499
Total noninterest income	$4,499,000	744
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$647,000	929
Trading account gains and fees	$0	130
Additional Noninterest Income	$3,852,000	617
Total noninterest expense	$10,480,000	1,025
Salaries and employee benefits	$4,083,000	1,398
Premises and equipment expense	$1,080,000	1,096
Additional noninterest expense	$5,317,000	643
Pre-tax net operating income	$3,012,000	1,514
Securities gains (losses)	$7,000	660
Applicable income taxes	$662,000	1,157
Income before extraordinary items	$2,357,000	1,657
Extraordinary gains, net	$0	6
Net income	$2,357,000	1,656
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,357,000	1,656
Net charge-offs	$121,000	1,205
Cash dividends	$1,500,000	946
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,351,470	1,646
2018-03-31 (YTD Data)		Rank
Total interest income	$5,137,000	1,363
Total interest expense	$363,000	2,160
Net interest income	$4,774,000	1,283
Provision for loan and lease losses	$187,000	999
Total noninterest income	$2,139,000	747
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$318,000	942
Trading account gains and fees	$0	123
Additional Noninterest Income	$1,821,000	621
Total noninterest expense	$5,247,000	1,032
Salaries and employee benefits	$2,019,000	1,419
Premises and equipment expense	$539,000	1,114
Additional noninterest expense	$2,689,000	629
Pre-tax net operating income	$1,479,000	1,503
Securities gains (losses)	$33,000	273
Applicable income taxes	$340,000	1,122
Income before extraordinary items	$1,172,000	1,612
Extraordinary gains, net	$0	7
Net income	$1,172,000	1,612
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,172,000	1,612
Net charge-offs	$48,000	1,222
Cash dividends	$500,000	1,167
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,145,930	1,631
2017-12-31 (YTD Data)		Rank
Total interest income	$20,744,000	1,308
Total interest expense	$1,314,000	2,122
Net interest income	$19,430,000	1,248
Provision for loan and lease losses	$-282,000	5,461
Total noninterest income	$11,426,000	625
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,410,000	873
Trading account gains and fees	$0	151
Additional Noninterest Income	$10,016,000	512
Total noninterest expense	$21,015,000	1,014
Salaries and employee benefits	$7,989,000	1,410
Premises and equipment expense	$2,200,000	1,069
Additional noninterest expense	$10,826,000	623
Pre-tax net operating income	$10,123,000	978
Securities gains (losses)	$167,000	450
Applicable income taxes	$3,637,000	834
Income before extraordinary items	$6,653,000	1,067
Extraordinary gains, net	$0	9
Net income	$6,653,000	1,067
Minority interest net income	$0	76
Net income of bank and minority interests.	$6,653,000	1,067
Net charge-offs	$136,000	2,159
Cash dividends	$5,400,000	632
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$6,544,450	1,074
2017-09-30 (YTD Data)		Rank
Total interest income	$15,519,000	1,309
Total interest expense	$957,000	2,146
Net interest income	$14,562,000	1,248
Provision for loan and lease losses	$-4,000	5,434
Total noninterest income	$8,780,000	614
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$1,053,000	877
Trading account gains and fees	$0	145
Additional Noninterest Income	$7,727,000	510
Total noninterest expense	$16,121,000	995
Salaries and employee benefits	$6,211,000	1,366
Premises and equipment expense	$1,667,000	1,070
Additional noninterest expense	$8,243,000	617
Pre-tax net operating income	$7,225,000	1,036
Securities gains (losses)	$155,000	433
Applicable income taxes	$2,496,000	786
Income before extraordinary items	$4,884,000	1,183
Extraordinary gains, net	$0	9
Net income	$4,884,000	1,183
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,884,000	1,183
Net charge-offs	$174,000	1,507
Cash dividends	$4,000,000	592
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$4,781,700	1,184
2017-06-30 (YTD Data)		Rank
Total interest income	$10,287,000	1,317
Total interest expense	$614,000	2,172
Net interest income	$9,673,000	1,253
Provision for loan and lease losses	$-2,000	5,515
Total noninterest income	$5,929,000	623
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$699,000	869
Trading account gains and fees	$0	139
Additional Noninterest Income	$5,230,000	508
Total noninterest expense	$10,827,000	995
Salaries and employee benefits	$4,234,000	1,336
Premises and equipment expense	$1,091,000	1,091
Additional noninterest expense	$5,502,000	617
Pre-tax net operating income	$4,777,000	1,027
Securities gains (losses)	$139,000	347
Applicable income taxes	$1,663,000	762
Income before extraordinary items	$3,253,000	1,171
Extraordinary gains, net	$0	11
Net income	$3,253,000	1,171
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,253,000	1,171
Net charge-offs	$91,000	1,598
Cash dividends	$2,000,000	754
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$3,161,260	1,173
2017-03-31 (YTD Data)		Rank
Total interest income	$5,067,000	1,317
Total interest expense	$300,000	2,177
Net interest income	$4,767,000	1,259
Provision for loan and lease losses	$-85,000	5,735
Total noninterest income	$2,617,000	660
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$339,000	901
Trading account gains and fees	$0	142
Additional Noninterest Income	$2,278,000	538
Total noninterest expense	$5,201,000	1,042
Salaries and employee benefits	$2,020,000	1,416
Premises and equipment expense	$576,000	1,041
Additional noninterest expense	$2,605,000	655
Pre-tax net operating income	$2,268,000	1,056
Securities gains (losses)	$8,000	717
Applicable income taxes	$755,000	810
Income before extraordinary items	$1,521,000	1,204
Extraordinary gains, net	$0	8
Net income	$1,521,000	1,203
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,521,000	1,204
Net charge-offs	$142,000	743
Cash dividends	$1,000,000	712
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,515,640	1,188
2016-12-31 (YTD Data)		Rank
Total interest income	$20,444,000	1,276
Total interest expense	$1,253,000	2,058
Net interest income	$19,191,000	1,222
Provision for loan and lease losses	$438,000	1,612
Total noninterest income	$12,295,000	599
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$1,411,000	892
Trading account gains and fees	$0	170
Additional Noninterest Income	$10,884,000	485
Total noninterest expense	$23,242,000	915
Salaries and employee benefits	$9,260,000	1,222
Premises and equipment expense	$2,273,000	1,041
Additional noninterest expense	$11,709,000	590
Pre-tax net operating income	$7,806,000	1,126
Securities gains (losses)	$52,000	1,815
Applicable income taxes	$2,625,000	858
Income before extraordinary items	$5,233,000	1,325
Extraordinary gains, net	$0	5
Net income	$5,233,000	1,324
Minority interest net income	$0	82
Net income of bank and minority interests.	$5,233,000	1,324
Net charge-offs	$243,000	1,743
Cash dividends	$4,000,000	806
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$5,198,160	1,305
2016-09-30 (YTD Data)		Rank
Total interest income	$15,371,000	1,281
Total interest expense	$948,000	2,041
Net interest income	$14,423,000	1,221
Provision for loan and lease losses	$239,000	1,862
Total noninterest income	$9,459,000	591
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$1,056,000	895
Trading account gains and fees	$0	169
Additional Noninterest Income	$8,403,000	474
Total noninterest expense	$17,721,000	899
Salaries and employee benefits	$7,386,000	1,163
Premises and equipment expense	$1,679,000	1,056
Additional noninterest expense	$8,656,000	592
Pre-tax net operating income	$5,922,000	1,131
Securities gains (losses)	$69,000	1,528
Applicable income taxes	$1,987,000	865
Income before extraordinary items	$4,004,000	1,332
Extraordinary gains, net	$0	5
Net income	$4,004,000	1,332
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,004,000	1,332
Net charge-offs	$205,000	1,434
Cash dividends	$3,500,000	674
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$3,957,770	1,300
2016-06-30 (YTD Data)		Rank
Total interest income	$10,292,000	1,274
Total interest expense	$648,000	2,008
Net interest income	$9,644,000	1,216
Provision for loan and lease losses	$276,000	1,341
Total noninterest income	$5,936,000	604
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$695,000	894
Trading account gains and fees	$0	157
Additional Noninterest Income	$5,241,000	485
Total noninterest expense	$11,482,000	922
Salaries and employee benefits	$4,777,000	1,199
Premises and equipment expense	$1,078,000	1,102
Additional noninterest expense	$5,627,000	609
Pre-tax net operating income	$3,822,000	1,153
Securities gains (losses)	$70,000	1,204
Applicable income taxes	$1,343,000	858
Income before extraordinary items	$2,549,000	1,380
Extraordinary gains, net	$0	16
Net income	$2,549,000	1,378
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,549,000	1,380
Net charge-offs	$170,000	1,237
Cash dividends	$2,000,000	749
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,503,500	1,355
2016-03-31 (YTD Data)		Rank
Total interest income	$5,157,000	1,270
Total interest expense	$329,000	1,999
Net interest income	$4,828,000	1,217
Provision for loan and lease losses	$197,000	995
Total noninterest income	$2,520,000	668
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$336,000	913
Trading account gains and fees	$0	142
Additional Noninterest Income	$2,184,000	533
Total noninterest expense	$5,524,000	951
Salaries and employee benefits	$2,241,000	1,263
Premises and equipment expense	$527,000	1,132
Additional noninterest expense	$2,756,000	613
Pre-tax net operating income	$1,627,000	1,313
Securities gains (losses)	$-19,000	6,019
Applicable income taxes	$544,000	995
Income before extraordinary items	$1,064,000	1,536
Extraordinary gains, net	$0	12
Net income	$1,064,000	1,537
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,064,000	1,537
Net charge-offs	$130,000	867
Cash dividends	$500,000	1,173
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,076,540	1,489
2015-12-31 (YTD Data)		Rank
Total interest income	$20,512,000	1,243
Total interest expense	$1,433,000	1,841
Net interest income	$19,079,000	1,199
Provision for loan and lease losses	$124,000	2,808
Total noninterest income	$11,047,000	623
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$1,441,000	888
Trading account gains and fees	$0	159
Additional Noninterest Income	$9,606,000	504
Total noninterest expense	$22,240,000	932
Salaries and employee benefits	$9,977,000	1,127
Premises and equipment expense	$2,151,000	1,103
Additional noninterest expense	$10,112,000	677
Pre-tax net operating income	$7,762,000	1,101
Securities gains (losses)	$243,000	648
Applicable income taxes	$2,676,000	819
Income before extraordinary items	$5,329,000	1,294
Extraordinary gains, net	$0	23
Net income	$5,329,000	1,294
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,329,000	1,294
Net charge-offs	$288,000	1,644
Cash dividends	$5,250,000	634
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$5,166,190	1,291
2015-09-30 (YTD Data)		Rank
Total interest income	$15,264,000	1,262
Total interest expense	$1,111,000	1,810
Net interest income	$14,153,000	1,213
Provision for loan and lease losses	$386,000	1,285
Total noninterest income	$8,090,000	649
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$1,072,000	895
Trading account gains and fees	$0	153
Additional Noninterest Income	$7,018,000	537
Total noninterest expense	$16,434,000	945
Salaries and employee benefits	$7,585,000	1,112
Premises and equipment expense	$1,597,000	1,134
Additional noninterest expense	$7,252,000	698
Pre-tax net operating income	$5,423,000	1,176
Securities gains (losses)	$243,000	558
Applicable income taxes	$1,842,000	890
Income before extraordinary items	$3,824,000	1,345
Extraordinary gains, net	$0	21
Net income	$3,824,000	1,345
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,824,000	1,345
Net charge-offs	$247,000	1,356
Cash dividends	$1,250,000	1,372
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$3,661,190	1,363
2015-06-30 (YTD Data)		Rank
Total interest income	$10,012,000	1,278
Total interest expense	$786,000	1,742
Net interest income	$9,226,000	1,236
Provision for loan and lease losses	$129,000	1,951
Total noninterest income	$5,126,000	674
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$695,000	909
Trading account gains and fees	$0	157
Additional Noninterest Income	$4,431,000	555
Total noninterest expense	$10,840,000	959
Salaries and employee benefits	$5,081,000	1,114
Premises and equipment expense	$1,072,000	1,134
Additional noninterest expense	$4,687,000	718
Pre-tax net operating income	$3,383,000	1,244
Securities gains (losses)	$73,000	1,005
Applicable income taxes	$1,104,000	966
Income before extraordinary items	$2,352,000	1,416
Extraordinary gains, net	$0	22
Net income	$2,352,000	1,416
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,352,000	1,417
Net charge-offs	$231,000	1,090
Cash dividends	$750,000	1,515
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,302,360	1,405
2015-03-31 (YTD Data)		Rank
Total interest income	$4,914,000	1,298
Total interest expense	$425,000	1,631
Net interest income	$4,489,000	1,264
Provision for loan and lease losses	$-305,000	6,291
Total noninterest income	$2,176,000	740
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$318,000	962
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,858,000	607
Total noninterest expense	$5,300,000	976
Salaries and employee benefits	$2,355,000	1,196
Premises and equipment expense	$536,000	1,132
Additional noninterest expense	$2,409,000	685
Pre-tax net operating income	$1,670,000	1,212
Securities gains (losses)	$19,000	1,251
Applicable income taxes	$533,000	970
Income before extraordinary items	$1,156,000	1,412
Extraordinary gains, net	$0	13
Net income	$1,156,000	1,415
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,156,000	1,414
Net charge-offs	$-11,000	5,460
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,143,080	1,381
2014-12-31 (YTD Data)		Rank
Total interest income	$20,424,000	1,238
Total interest expense	$1,969,000	1,506
Net interest income	$18,455,000	1,216
Provision for loan and lease losses	$-906,000	6,340
Total noninterest income	$8,472,000	728
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,397,000	948
Trading account gains and fees	$0	180
Additional Noninterest Income	$7,075,000	588
Total noninterest expense	$21,594,000	935
Salaries and employee benefits	$9,643,000	1,130
Premises and equipment expense	$2,121,000	1,126
Additional noninterest expense	$9,830,000	681
Pre-tax net operating income	$6,239,000	1,264
Securities gains (losses)	$451,000	440
Applicable income taxes	$2,120,000	945
Income before extraordinary items	$4,570,000	1,416
Extraordinary gains, net	$0	17
Net income	$4,570,000	1,414
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,570,000	1,415
Net charge-offs	$-208,000	6,258
Cash dividends	$6,500,000	478
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$4,263,320	1,476
2014-09-30 (YTD Data)		Rank
Total interest income	$14,938,000	1,273
Total interest expense	$1,525,000	1,474
Net interest income	$13,413,000	1,258
Provision for loan and lease losses	$-137,000	6,236
Total noninterest income	$6,217,000	748
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$1,049,000	954
Trading account gains and fees	$0	174
Additional Noninterest Income	$5,168,000	604
Total noninterest expense	$16,075,000	937
Salaries and employee benefits	$7,443,000	1,103
Premises and equipment expense	$1,554,000	1,161
Additional noninterest expense	$7,078,000	700
Pre-tax net operating income	$3,692,000	1,555
Securities gains (losses)	$441,000	354
Applicable income taxes	$1,247,000	1,127
Income before extraordinary items	$2,886,000	1,640
Extraordinary gains, net	$0	15
Net income	$2,886,000	1,641
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,886,000	1,640
Net charge-offs	$-37,000	5,955
Cash dividends	$4,000,000	525
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,577,300	1,767
2014-06-30 (YTD Data)		Rank
Total interest income	$9,719,000	1,304
Total interest expense	$1,032,000	1,448
Net interest income	$8,687,000	1,282
Provision for loan and lease losses	$-182,000	6,396
Total noninterest income	$3,365,000	872
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$694,000	945
Trading account gains and fees	$0	172
Additional Noninterest Income	$2,671,000	702
Total noninterest expense	$10,549,000	950
Salaries and employee benefits	$4,837,000	1,124
Premises and equipment expense	$1,052,000	1,158
Additional noninterest expense	$4,660,000	702
Pre-tax net operating income	$1,685,000	2,073
Securities gains (losses)	$265,000	400
Applicable income taxes	$513,000	1,524
Income before extraordinary items	$1,437,000	2,053
Extraordinary gains, net	$0	20
Net income	$1,437,000	2,057
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,437,000	2,056
Net charge-offs	$-213,000	6,465
Cash dividends	$4,000,000	371
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,240,900	2,239
2014-03-31 (YTD Data)		Rank
Total interest income	$4,751,000	1,334
Total interest expense	$523,000	1,448
Net interest income	$4,228,000	1,310
Provision for loan and lease losses	$-429,000	6,619
Total noninterest income	$1,778,000	800
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$336,000	960
Trading account gains and fees	$0	147
Additional Noninterest Income	$1,442,000	643
Total noninterest expense	$5,227,000	969
Salaries and employee benefits	$2,371,000	1,157
Premises and equipment expense	$526,000	1,180
Additional noninterest expense	$2,330,000	706
Pre-tax net operating income	$1,208,000	1,503
Securities gains (losses)	$310,000	205
Applicable income taxes	$469,000	974
Income before extraordinary items	$1,049,000	1,436
Extraordinary gains, net	$0	16
Net income	$1,049,000	1,439
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,049,000	1,438
Net charge-offs	$-246,000	6,618
Cash dividends	$4,000,000	185
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$835,100	1,714
2013-12-31 (YTD Data)		Rank
Total interest income	$18,846,000	1,350
Total interest expense	$2,534,000	1,342
Net interest income	$16,312,000	1,335
Provision for loan and lease losses	$1,136,000	993
Total noninterest income	$9,640,000	693
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,424,000	973
Trading account gains and fees	$0	184
Additional Noninterest Income	$8,216,000	557
Total noninterest expense	$20,483,000	997
Salaries and employee benefits	$9,082,000	1,194
Premises and equipment expense	$2,047,000	1,170
Additional noninterest expense	$9,354,000	745
Pre-tax net operating income	$4,333,000	1,610
Securities gains (losses)	$551,000	416
Applicable income taxes	$1,363,000	1,198
Income before extraordinary items	$3,521,000	1,668
Extraordinary gains, net	$0	29
Net income	$3,521,000	1,671
Minority interest net income	$0	90
Net income of bank and minority interests.	$3,521,000	1,672
Net charge-offs	$1,060,000	1,216
Cash dividends	$7,000,000	428
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$3,124,280	1,806
2013-09-30 (YTD Data)		Rank
Total interest income	$13,860,000	1,383
Total interest expense	$1,915,000	1,372
Net interest income	$11,945,000	1,359
Provision for loan and lease losses	$820,000	1,030
Total noninterest income	$7,516,000	683
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$1,055,000	985
Trading account gains and fees	$0	180
Additional Noninterest Income	$6,461,000	552
Total noninterest expense	$15,029,000	1,022
Salaries and employee benefits	$6,800,000	1,198
Premises and equipment expense	$1,513,000	1,194
Additional noninterest expense	$6,716,000	766
Pre-tax net operating income	$3,612,000	1,500
Securities gains (losses)	$556,000	370
Applicable income taxes	$1,223,000	1,085
Income before extraordinary items	$2,945,000	1,531
Extraordinary gains, net	$0	25
Net income	$2,945,000	1,533
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,945,000	1,534
Net charge-offs	$441,000	1,719
Cash dividends	$5,000,000	401
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,550,240	1,701
2013-06-30 (YTD Data)		Rank
Total interest income	$9,074,000	1,405
Total interest expense	$1,293,000	1,380
Net interest income	$7,781,000	1,376
Provision for loan and lease losses	$846,000	768
Total noninterest income	$5,453,000	643
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$677,000	999
Trading account gains and fees	$0	157
Additional Noninterest Income	$4,776,000	524
Total noninterest expense	$9,981,000	1,013
Salaries and employee benefits	$4,568,000	1,182
Premises and equipment expense	$1,003,000	1,196
Additional noninterest expense	$4,410,000	770
Pre-tax net operating income	$2,407,000	1,479
Securities gains (losses)	$494,000	373
Applicable income taxes	$872,000	1,034
Income before extraordinary items	$2,029,000	1,479
Extraordinary gains, net	$0	22
Net income	$2,029,000	1,482
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,029,000	1,484
Net charge-offs	$514,000	1,239
Cash dividends	$5,000,000	295
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,683,200	1,686
2013-03-31 (YTD Data)		Rank
Total interest income	$4,479,000	1,427
Total interest expense	$658,000	1,409
Net interest income	$3,821,000	1,407
Provision for loan and lease losses	$345,000	903
Total noninterest income	$2,843,000	625
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$318,000	1,052
Trading account gains and fees	$0	148
Additional Noninterest Income	$2,525,000	499
Total noninterest expense	$4,977,000	1,030
Salaries and employee benefits	$2,326,000	1,182
Premises and equipment expense	$501,000	1,212
Additional noninterest expense	$2,150,000	794
Pre-tax net operating income	$1,342,000	1,344
Securities gains (losses)	$354,000	289
Applicable income taxes	$521,000	882
Income before extraordinary items	$1,175,000	1,273
Extraordinary gains, net	$0	10
Net income	$1,175,000	1,275
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,175,000	1,275
Net charge-offs	$408,000	874
Cash dividends	$5,000,000	142
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$930,740	1,524
2012-12-31 (YTD Data)		Rank
Total interest income	$19,683,000	1,356
Total interest expense	$2,961,000	1,496
Net interest income	$16,722,000	1,306
Provision for loan and lease losses	$-427,000	6,981
Total noninterest income	$8,173,000	785
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$1,313,000	1,085
Trading account gains and fees	$0	166
Additional Noninterest Income	$6,860,000	633
Total noninterest expense	$16,708,000	1,214
Salaries and employee benefits	$8,627,000	1,221
Premises and equipment expense	$1,860,000	1,277
Additional noninterest expense	$6,221,000	1,119
Pre-tax net operating income	$8,614,000	835
Securities gains (losses)	$1,036,000	501
Applicable income taxes	$3,254,000	570
Income before extraordinary items	$6,396,000	951
Extraordinary gains, net	$0	29
Net income	$6,396,000	951
Minority interest net income	$0	93
Net income of bank and minority interests.	$6,396,000	951
Net charge-offs	$-634,000	7,052
Cash dividends	$2,000,000	1,202
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$5,712,240	990
2012-09-30 (YTD Data)		Rank
Total interest income	$14,926,000	1,369
Total interest expense	$2,278,000	1,531
Net interest income	$12,648,000	1,316
Provision for loan and lease losses	$107,000	4,289
Total noninterest income	$4,540,000	1,001
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$949,000	1,130
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,591,000	816
Total noninterest expense	$11,710,000	1,280
Salaries and employee benefits	$6,319,000	1,246
Premises and equipment expense	$1,348,000	1,336
Additional noninterest expense	$4,043,000	1,263
Pre-tax net operating income	$5,371,000	1,004
Securities gains (losses)	$1,174,000	340
Applicable income taxes	$2,178,000	654
Income before extraordinary items	$4,367,000	1,042
Extraordinary gains, net	$0	20
Net income	$4,367,000	1,042
Minority interest net income	$0	86
Net income of bank and minority interests.	$4,367,000	1,042
Net charge-offs	$-162,000	7,083
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$3,580,420	1,188
2012-06-30 (YTD Data)		Rank
Total interest income	$10,062,000	1,359
Total interest expense	$1,549,000	1,555
Net interest income	$8,513,000	1,308
Provision for loan and lease losses	$213,000	2,890
Total noninterest income	$3,173,000	936
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$610,000	1,157
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,563,000	777
Total noninterest expense	$7,530,000	1,318
Salaries and employee benefits	$4,041,000	1,287
Premises and equipment expense	$902,000	1,327
Additional noninterest expense	$2,587,000	1,310
Pre-tax net operating income	$3,943,000	921
Securities gains (losses)	$639,000	433
Applicable income taxes	$1,530,000	625
Income before extraordinary items	$3,052,000	1,000
Extraordinary gains, net	$0	19
Net income	$3,052,000	1,000
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,052,000	1,000
Net charge-offs	$-247,000	7,178
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$2,623,870	1,070
2012-03-31 (YTD Data)		Rank
Total interest income	$4,885,000	1,409
Total interest expense	$793,000	1,581
Net interest income	$4,092,000	1,350
Provision for loan and lease losses	$260,000	1,711
Total noninterest income	$1,204,000	1,158
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$303,000	1,163
Trading account gains and fees	$0	148
Additional Noninterest Income	$901,000	986
Total noninterest expense	$3,727,000	1,330
Salaries and employee benefits	$2,037,000	1,276
Premises and equipment expense	$398,000	1,494
Additional noninterest expense	$1,292,000	1,296
Pre-tax net operating income	$1,309,000	1,341
Securities gains (losses)	$30,000	1,442
Applicable income taxes	$376,000	1,117
Income before extraordinary items	$963,000	1,515
Extraordinary gains, net	$0	19
Net income	$963,000	1,516
Minority interest net income	$0	78
Net income of bank and minority interests.	$963,000	1,516
Net charge-offs	$-79,000	7,149
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$941,400	1,460
2011-12-31 (YTD Data)		Rank
Total interest income	$18,986,000	1,498
Total interest expense	$4,112,000	1,473
Net interest income	$14,874,000	1,499
Provision for loan and lease losses	$4,609,000	839
Total noninterest income	$2,383,000	1,777
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$1,220,000	1,206
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,163,000	1,945
Total noninterest expense	$11,472,000	1,687
Salaries and employee benefits	$5,710,000	1,697
Premises and equipment expense	$1,591,000	1,558
Additional noninterest expense	$4,171,000	1,647
Pre-tax net operating income	$1,176,000	3,430
Securities gains (losses)	$564,000	720
Applicable income taxes	$451,000	2,129
Income before extraordinary items	$1,289,000	3,082
Extraordinary gains, net	$0	29
Net income	$1,289,000	3,084
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,289,000	3,084
Net charge-offs	$4,523,000	875
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$871,640	3,685
2011-09-30 (YTD Data)		Rank
Total interest income	$14,178,000	1,528
Total interest expense	$3,198,000	1,478
Net interest income	$10,980,000	1,530
Provision for loan and lease losses	$3,092,000	915
Total noninterest income	$1,309,000	2,209
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$911,000	1,216
Trading account gains and fees	$0	145
Additional Noninterest Income	$398,000	3,048
Total noninterest expense	$8,298,000	1,747
Salaries and employee benefits	$4,081,000	1,795
Premises and equipment expense	$1,174,000	1,602
Additional noninterest expense	$3,043,000	1,679
Pre-tax net operating income	$899,000	3,505
Securities gains (losses)	$215,000	1,157
Applicable income taxes	$318,000	2,207
Income before extraordinary items	$796,000	3,530
Extraordinary gains, net	$0	21
Net income	$796,000	3,532
Minority interest net income	$0	87
Net income of bank and minority interests.	$796,000	3,532
Net charge-offs	$2,918,000	969
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$643,350	3,794
2011-06-30 (YTD Data)		Rank
Total interest income	$9,442,000	1,544
Total interest expense	$2,245,000	1,457
Net interest income	$7,197,000	1,562
Provision for loan and lease losses	$2,411,000	801
Total noninterest income	$667,000	2,627
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$597,000	1,208
Trading account gains and fees	$0	153
Additional Noninterest Income	$70,000	5,079
Total noninterest expense	$5,529,000	1,764
Salaries and employee benefits	$2,741,000	1,786
Premises and equipment expense	$780,000	1,620
Additional noninterest expense	$2,008,000	1,709
Pre-tax net operating income	$-76,000	6,379
Securities gains (losses)	$-66,000	7,267
Applicable income taxes	$-159,000	7,184
Income before extraordinary items	$17,000	6,208
Extraordinary gains, net	$0	15
Net income	$17,000	6,208
Minority interest net income	$0	89
Net income of bank and minority interests.	$17,000	6,208
Net charge-offs	$2,116,000	889
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$59,240	5,873
2011-03-31 (YTD Data)		Rank
Total interest income	$4,734,000	1,549
Total interest expense	$1,152,000	1,476
Net interest income	$3,582,000	1,553
Provision for loan and lease losses	$1,538,000	625
Total noninterest income	$736,000	1,508
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$284,000	1,253
Trading account gains and fees	$0	158
Additional Noninterest Income	$452,000	1,445
Total noninterest expense	$3,444,000	1,439
Salaries and employee benefits	$1,380,000	1,794
Premises and equipment expense	$410,000	1,570
Additional noninterest expense	$1,654,000	1,077
Pre-tax net operating income	$-664,000	7,162
Securities gains (losses)	$-438,000	7,514
Applicable income taxes	$-472,000	7,466
Income before extraordinary items	$-630,000	7,184
Extraordinary gains, net	$0	9
Net income	$-630,000	7,185
Minority interest net income	$0	86
Net income of bank and minority interests.	$-630,000	7,185
Net charge-offs	$892,000	929
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-349,680	7,022
2010-12-31 (YTD Data)		Rank
Total interest income	$21,279,000	1,436
Total interest expense	$5,950,000	1,399
Net interest income	$15,329,000	1,465
Provision for loan and lease losses	$4,793,000	1,185
Total noninterest income	$3,935,000	1,286
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,322,000	1,135
Trading account gains and fees	$0	175
Additional Noninterest Income	$2,613,000	1,158
Total noninterest expense	$12,886,000	1,535
Salaries and employee benefits	$5,113,000	1,898
Premises and equipment expense	$1,728,000	1,486
Additional noninterest expense	$6,045,000	1,224
Pre-tax net operating income	$1,585,000	2,639
Securities gains (losses)	$746,000	626
Applicable income taxes	$1,025,000	1,199
Income before extraordinary items	$1,306,000	2,751
Extraordinary gains, net	$0	29
Net income	$1,306,000	2,747
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,306,000	2,752
Net charge-offs	$6,911,000	794
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$828,560	3,435
2010-09-30 (YTD Data)		Rank
Total interest income	$16,241,000	1,444
Total interest expense	$4,601,000	1,408
Net interest income	$11,640,000	1,463
Provision for loan and lease losses	$4,284,000	987
Total noninterest income	$2,361,000	1,491
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$1,001,000	1,163
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,360,000	1,440
Total noninterest expense	$9,812,000	1,503
Salaries and employee benefits	$3,713,000	1,956
Premises and equipment expense	$1,290,000	1,505
Additional noninterest expense	$4,809,000	1,130
Pre-tax net operating income	$-95,000	6,154
Securities gains (losses)	$743,000	532
Applicable income taxes	$736,000	1,283
Income before extraordinary items	$-88,000	6,291
Extraordinary gains, net	$0	23
Net income	$-88,000	6,291
Minority interest net income	$0	110
Net income of bank and minority interests.	$-88,000	6,291
Net charge-offs	$5,000,000	780
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-563,520	6,644
2010-06-30 (YTD Data)		Rank
Total interest income	$10,985,000	1,439
Total interest expense	$3,140,000	1,435
Net interest income	$7,845,000	1,455
Provision for loan and lease losses	$3,624,000	821
Total noninterest income	$1,409,000	1,579
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$659,000	1,182
Trading account gains and fees	$0	152
Additional Noninterest Income	$750,000	1,600
Total noninterest expense	$5,378,000	1,827
Salaries and employee benefits	$2,449,000	1,989
Premises and equipment expense	$857,000	1,533
Additional noninterest expense	$2,072,000	1,706
Pre-tax net operating income	$252,000	4,634
Securities gains (losses)	$631,000	388
Applicable income taxes	$275,000	1,819
Income before extraordinary items	$608,000	3,037
Extraordinary gains, net	$0	19
Net income	$608,000	3,032
Minority interest net income	$0	105
Net income of bank and minority interests.	$608,000	3,035
Net charge-offs	$3,056,000	823
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$172,610	4,925
2010-03-31 (YTD Data)		Rank
Total interest income	$5,640,000	1,434
Total interest expense	$1,639,000	1,440
Net interest income	$4,001,000	1,431
Provision for loan and lease losses	$2,368,000	657
Total noninterest income	$639,000	1,706
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$335,000	1,165
Trading account gains and fees	$0	175
Additional Noninterest Income	$304,000	1,828
Total noninterest expense	$3,319,000	1,517
Salaries and employee benefits	$1,208,000	2,044
Premises and equipment expense	$428,000	1,576
Additional noninterest expense	$1,683,000	1,040
Pre-tax net operating income	$-1,047,000	7,425
Securities gains (losses)	$17,000	1,569
Applicable income taxes	$-433,000	7,692
Income before extraordinary items	$-597,000	7,313
Extraordinary gains, net	$0	16
Net income	$-597,000	7,313
Minority interest net income	$0	91
Net income of bank and minority interests.	$-597,000	7,314
Net charge-offs	$831,000	1,169
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-607,880	7,300
2009-12-31 (YTD Data)		Rank
Total interest income	$24,798,000	1,385
Total interest expense	$8,808,000	1,357
Net interest income	$15,990,000	1,383
Provision for loan and lease losses	$5,189,000	1,403
Total noninterest income	$4,569,000	1,183
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,416,000	1,217
Trading account gains and fees	$0	211
Additional Noninterest Income	$3,153,000	1,011
Total noninterest expense	$20,974,000	999
Salaries and employee benefits	$5,386,000	1,838
Premises and equipment expense	$1,786,000	1,517
Additional noninterest expense	$13,802,000	588
Pre-tax net operating income	$-5,604,000	7,234
Securities gains (losses)	$188,000	1,599
Applicable income taxes	$518,000	1,524
Income before extraordinary items	$-5,934,000	7,351
Extraordinary gains, net	$0	34
Net income	$-5,934,000	7,350
Minority interest net income	$0	115
Net income of bank and minority interests.	$-5,934,000	7,350
Net charge-offs	$3,971,000	1,348
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-6,122,000	7,375
2009-09-30 (YTD Data)		Rank
Total interest income	$18,887,000	1,384
Total interest expense	$6,759,000	1,405
Net interest income	$12,128,000	1,370
Provision for loan and lease losses	$4,885,000	1,063
Total noninterest income	$3,534,000	1,163
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$1,059,000	1,218
Trading account gains and fees	$0	212
Additional Noninterest Income	$2,475,000	998
Total noninterest expense	$10,531,000	1,459
Salaries and employee benefits	$4,260,000	1,760
Premises and equipment expense	$1,329,000	1,543
Additional noninterest expense	$4,942,000	1,137
Pre-tax net operating income	$246,000	4,739
Securities gains (losses)	$184,000	1,345
Applicable income taxes	$-34,000	6,765
Income before extraordinary items	$464,000	3,813
Extraordinary gains, net	$0	27
Net income	$464,000	3,809
Minority interest net income	$0	118
Net income of bank and minority interests.	$464,000	3,811
Net charge-offs	$3,412,000	1,092
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$280,000	4,435
2009-06-30 (YTD Data)		Rank
Total interest income	$12,795,000	1,396
Total interest expense	$4,586,000	1,454
Net interest income	$8,209,000	1,359
Provision for loan and lease losses	$2,286,000	1,298
Total noninterest income	$2,483,000	1,116
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$708,000	1,197
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,775,000	974
Total noninterest expense	$7,253,000	1,430
Salaries and employee benefits	$2,950,000	1,731
Premises and equipment expense	$903,000	1,545
Additional noninterest expense	$3,400,000	1,131
Pre-tax net operating income	$1,153,000	1,890
Securities gains (losses)	$180,000	1,078
Applicable income taxes	$407,000	1,248
Income before extraordinary items	$926,000	1,971
Extraordinary gains, net	$0	21
Net income	$926,000	1,969
Minority interest net income	$0	112
Net income of bank and minority interests.	$926,000	1,970
Net charge-offs	$1,221,000	1,499
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$801,800	2,170
2009-03-31 (YTD Data)		Rank
Total interest income	$6,604,000	1,370
Total interest expense	$2,332,000	1,487
Net interest income	$4,272,000	1,297
Provision for loan and lease losses	$751,000	1,391
Total noninterest income	$1,068,000	1,213
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$334,000	1,235
Trading account gains and fees	$0	171
Additional Noninterest Income	$734,000	1,081
Total noninterest expense	$3,468,000	1,435
Salaries and employee benefits	$1,514,000	1,710
Premises and equipment expense	$453,000	1,565
Additional noninterest expense	$1,501,000	1,119
Pre-tax net operating income	$1,121,000	1,143
Securities gains (losses)	$3,000	2,164
Applicable income taxes	$401,000	820
Income before extraordinary items	$723,000	1,508
Extraordinary gains, net	$0	15
Net income	$723,000	1,510
Minority interest net income	$0	102
Net income of bank and minority interests.	$723,000	1,510
Net charge-offs	$492,000	1,373
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$721,080	1,431
2008-12-31 (YTD Data)		Rank
Total interest income	$27,126,000	1,428
Total interest expense	$10,278,000	1,581
Net interest income	$16,848,000	1,321
Provision for loan and lease losses	$4,783,000	1,031
Total noninterest income	$3,080,000	1,537
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,364,000	1,322
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,716,000	1,458
Total noninterest expense	$12,619,000	1,555
Salaries and employee benefits	$5,101,000	1,975
Premises and equipment expense	$1,873,000	1,479
Additional noninterest expense	$5,645,000	1,138
Pre-tax net operating income	$2,526,000	2,068
Securities gains (losses)	$51,000	1,583
Applicable income taxes	$1,069,000	1,138
Income before extraordinary items	$1,508,000	2,513
Extraordinary gains, net	$0	39
Net income	$1,508,000	2,512
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,152,000	796
Cash dividends	$3,250,000	833
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,475,360	2,688
2008-09-30 (YTD Data)		Rank
Total interest income	$20,520,000	1,451
Total interest expense	$7,655,000	1,649
Net interest income	$12,865,000	1,316
Provision for loan and lease losses	$1,223,000	1,635
Total noninterest income	$2,240,000	1,635
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$1,024,000	1,332
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,216,000	1,587
Total noninterest expense	$9,781,000	1,490
Salaries and employee benefits	$4,073,000	1,901
Premises and equipment expense	$1,394,000	1,496
Additional noninterest expense	$4,314,000	1,064
Pre-tax net operating income	$4,101,000	1,226
Securities gains (losses)	$48,000	1,457
Applicable income taxes	$1,620,000	777
Income before extraordinary items	$2,529,000	1,449
Extraordinary gains, net	$0	31
Net income	$2,529,000	1,447
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$301,000	2,553
Cash dividends	$3,250,000	666
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,498,280	1,538
2008-06-30 (YTD Data)		Rank
Total interest income	$13,549,000	1,490
Total interest expense	$5,158,000	1,700
Net interest income	$8,391,000	1,335
Provision for loan and lease losses	$818,000	1,396
Total noninterest income	$1,544,000	1,608
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$663,000	1,345
Trading account gains and fees	$0	149
Additional Noninterest Income	$881,000	1,540
Total noninterest expense	$6,475,000	1,493
Salaries and employee benefits	$2,679,000	1,938
Premises and equipment expense	$951,000	1,466
Additional noninterest expense	$2,845,000	1,054
Pre-tax net operating income	$2,642,000	1,311
Securities gains (losses)	$43,000	1,544
Applicable income taxes	$1,015,000	927
Income before extraordinary items	$1,670,000	1,625
Extraordinary gains, net	$0	21
Net income	$1,670,000	1,625
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$105,000	2,967
Cash dividends	$3,250,000	513
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,642,480	1,626
2008-03-31 (YTD Data)		Rank
Total interest income	$6,821,000	1,515
Total interest expense	$2,663,000	1,765
Net interest income	$4,158,000	1,332
Provision for loan and lease losses	$407,000	1,135
Total noninterest income	$599,000	1,960
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$319,000	1,370
Trading account gains and fees	$0	158
Additional Noninterest Income	$280,000	2,052
Total noninterest expense	$3,284,000	1,460
Salaries and employee benefits	$1,337,000	1,965
Premises and equipment expense	$490,000	1,422
Additional noninterest expense	$1,457,000	993
Pre-tax net operating income	$1,066,000	1,683
Securities gains (losses)	$5,000	2,232
Applicable income taxes	$428,000	1,141
Income before extraordinary items	$643,000	2,172
Extraordinary gains, net	$0	15
Net income	$643,000	2,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	1,490
Cash dividends	$1,250,000	604
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$639,800	2,119
2007-12-31 (YTD Data)		Rank
Total interest income	$30,973,000	1,383
Total interest expense	$12,562,000	1,601
Net interest income	$18,411,000	1,210
Provision for loan and lease losses	$317,000	3,092
Total noninterest income	$5,546,000	1,015
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,297,000	1,378
Trading account gains and fees	$0	178
Additional Noninterest Income	$4,249,000	794
Total noninterest expense	$13,191,000	1,397
Salaries and employee benefits	$5,673,000	1,776
Premises and equipment expense	$1,796,000	1,486
Additional noninterest expense	$5,722,000	993
Pre-tax net operating income	$10,449,000	814
Securities gains (losses)	$58,000	746
Applicable income taxes	$3,885,000	649
Income before extraordinary items	$6,622,000	988
Extraordinary gains, net	$0	39
Net income	$6,622,000	986
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$162,000	3,121
Cash dividends	$7,900,000	505
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$6,584,880	979
2007-09-30 (YTD Data)		Rank
Total interest income	$23,598,000	1,364
Total interest expense	$9,589,000	1,571
Net interest income	$14,009,000	1,203
Provision for loan and lease losses	$200,000	2,996
Total noninterest income	$4,776,000	898
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$959,000	1,378
Trading account gains and fees	$0	184
Additional Noninterest Income	$3,817,000	679
Total noninterest expense	$10,258,000	1,344
Salaries and employee benefits	$4,605,000	1,637
Premises and equipment expense	$1,314,000	1,517
Additional noninterest expense	$4,339,000	943
Pre-tax net operating income	$8,327,000	829
Securities gains (losses)	$54,000	611
Applicable income taxes	$3,085,000	682
Income before extraordinary items	$5,296,000	989
Extraordinary gains, net	$0	33
Net income	$5,296,000	987
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	3,341
Cash dividends	$6,400,000	458
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$5,261,440	978
2007-06-30 (YTD Data)		Rank
Total interest income	$15,672,000	1,379
Total interest expense	$6,414,000	1,572
Net interest income	$9,258,000	1,234
Provision for loan and lease losses	$402,000	1,229
Total noninterest income	$3,911,000	789
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$657,000	1,343
Trading account gains and fees	$0	168
Additional Noninterest Income	$3,254,000	584
Total noninterest expense	$6,952,000	1,340
Salaries and employee benefits	$3,172,000	1,623
Premises and equipment expense	$862,000	1,557
Additional noninterest expense	$2,918,000	944
Pre-tax net operating income	$5,815,000	827
Securities gains (losses)	$49,000	541
Applicable income taxes	$2,181,000	682
Income before extraordinary items	$3,683,000	970
Extraordinary gains, net	$0	29
Net income	$3,683,000	969
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	3,770
Cash dividends	$1,400,000	1,178
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$3,651,640	966
2007-03-31 (YTD Data)		Rank
Total interest income	$7,594,000	1,417
Total interest expense	$3,098,000	1,608
Net interest income	$4,496,000	1,271
Provision for loan and lease losses	$228,000	1,048
Total noninterest income	$642,000	1,846
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$303,000	1,413
Trading account gains and fees	$0	195
Additional Noninterest Income	$339,000	1,792
Total noninterest expense	$3,454,000	1,342
Salaries and employee benefits	$1,573,000	1,654
Premises and equipment expense	$432,000	1,558
Additional noninterest expense	$1,449,000	935
Pre-tax net operating income	$1,456,000	1,575
Securities gains (losses)	$39,000	451
Applicable income taxes	$541,000	1,217
Income before extraordinary items	$954,000	1,786
Extraordinary gains, net	$0	22
Net income	$954,000	1,786
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	3,204
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$929,040	1,824
2006-12-31 (YTD Data)		Rank
Total interest income	$28,076,000	1,421
Total interest expense	$9,596,000	1,750
Net interest income	$18,480,000	1,224
Provision for loan and lease losses	$64,000	5,268
Total noninterest income	$2,728,000	1,763
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,217,000	1,474
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,511,000	1,658
Total noninterest expense	$13,688,000	1,303
Salaries and employee benefits	$6,088,000	1,616
Premises and equipment expense	$1,795,000	1,432
Additional noninterest expense	$5,805,000	917
Pre-tax net operating income	$7,456,000	1,314
Securities gains (losses)	$46,000	704
Applicable income taxes	$2,662,000	1,044
Income before extraordinary items	$4,840,000	1,505
Extraordinary gains, net	$0	51
Net income	$4,840,000	1,506
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	3,668
Cash dividends	$1,600,000	1,838
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$4,810,100	1,492
2006-09-30 (YTD Data)		Rank
Total interest income	$20,049,000	1,481
Total interest expense	$6,587,000	1,840
Net interest income	$13,462,000	1,285
Provision for loan and lease losses	$882,000	867
Total noninterest income	$1,926,000	1,855
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$877,000	1,534
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,049,000	1,758
Total noninterest expense	$10,421,000	1,301
Salaries and employee benefits	$4,653,000	1,604
Premises and equipment expense	$1,346,000	1,443
Additional noninterest expense	$4,422,000	903
Pre-tax net operating income	$4,085,000	1,801
Securities gains (losses)	$43,000	590
Applicable income taxes	$1,454,000	1,425
Income before extraordinary items	$2,674,000	2,027
Extraordinary gains, net	$0	45
Net income	$2,674,000	2,029
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$285,000	1,185
Cash dividends	$1,200,000	1,699
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,646,050	2,047
2006-06-30 (YTD Data)		Rank
Total interest income	$12,644,000	1,535
Total interest expense	$3,882,000	1,953
Net interest income	$8,762,000	1,316
Provision for loan and lease losses	$617,000	795
Total noninterest income	$1,199,000	1,949
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$545,000	1,617
Trading account gains and fees	$0	126
Additional Noninterest Income	$654,000	1,853
Total noninterest expense	$6,942,000	1,313
Salaries and employee benefits	$3,105,000	1,602
Premises and equipment expense	$927,000	1,395
Additional noninterest expense	$2,910,000	922
Pre-tax net operating income	$2,402,000	2,026
Securities gains (losses)	$72,000	393
Applicable income taxes	$865,000	1,562
Income before extraordinary items	$1,609,000	2,214
Extraordinary gains, net	$0	39
Net income	$1,609,000	2,218
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$231,000	995
Cash dividends	$800,000	1,708
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,562,200	2,254
2006-03-31 (YTD Data)		Rank
Total interest income	$6,103,000	1,554
Total interest expense	$1,714,000	2,081
Net interest income	$4,389,000	1,301
Provision for loan and lease losses	$325,000	730
Total noninterest income	$572,000	2,002
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$234,000	1,791
Trading account gains and fees	$0	115
Additional Noninterest Income	$338,000	1,773
Total noninterest expense	$3,422,000	1,332
Salaries and employee benefits	$1,572,000	1,585
Premises and equipment expense	$459,000	1,420
Additional noninterest expense	$1,391,000	961
Pre-tax net operating income	$1,214,000	1,953
Securities gains (losses)	$58,000	328
Applicable income taxes	$443,000	1,533
Income before extraordinary items	$829,000	2,119
Extraordinary gains, net	$0	21
Net income	$829,000	2,118
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$127,000	821
Cash dividends	$400,000	1,598
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$791,300	2,194
2005-12-31 (YTD Data)		Rank
Total interest income	$21,724,000	1,539
Total interest expense	$6,656,000	1,705
Net interest income	$15,068,000	1,454
Provision for loan and lease losses	$388,000	2,323
Total noninterest income	$2,373,000	1,955
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$960,000	1,795
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,413,000	1,748
Total noninterest expense	$13,083,000	1,324
Salaries and employee benefits	$5,758,000	1,623
Premises and equipment expense	$1,925,000	1,279
Additional noninterest expense	$5,400,000	963
Pre-tax net operating income	$3,970,000	2,237
Securities gains (losses)	$146,000	583
Applicable income taxes	$1,360,000	1,824
Income before extraordinary items	$2,756,000	2,410
Extraordinary gains, net	$0	46
Net income	$2,756,000	2,411
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$409,000	1,375
Cash dividends	$1,500,000	1,815
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,658,180	2,447
2005-09-30 (YTD Data)		Rank
Total interest income	$15,827,000	1,549
Total interest expense	$4,842,000	1,666
Net interest income	$10,985,000	1,478
Provision for loan and lease losses	$257,000	2,491
Total noninterest income	$1,752,000	1,971
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$736,000	1,750
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,016,000	1,802
Total noninterest expense	$9,881,000	1,296
Salaries and employee benefits	$4,398,000	1,582
Premises and equipment expense	$1,444,000	1,265
Additional noninterest expense	$4,039,000	948
Pre-tax net operating income	$2,599,000	2,497
Securities gains (losses)	$107,000	636
Applicable income taxes	$905,000	2,023
Income before extraordinary items	$1,801,000	2,696
Extraordinary gains, net	$0	35
Net income	$1,801,000	2,697
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$277,000	1,330
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,729,310	2,750
2005-06-30 (YTD Data)		Rank
Total interest income	$10,031,000	1,596
Total interest expense	$3,066,000	1,658
Net interest income	$6,965,000	1,540
Provision for loan and lease losses	$218,000	2,014
Total noninterest income	$1,304,000	1,801
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$486,000	1,729
Trading account gains and fees	$0	116
Additional Noninterest Income	$818,000	1,552
Total noninterest expense	$6,646,000	1,274
Salaries and employee benefits	$2,959,000	1,565
Premises and equipment expense	$940,000	1,277
Additional noninterest expense	$2,747,000	915
Pre-tax net operating income	$1,405,000	2,896
Securities gains (losses)	$48,000	795
Applicable income taxes	$469,000	2,354
Income before extraordinary items	$984,000	3,131
Extraordinary gains, net	$0	30
Net income	$984,000	3,132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$185,000	1,272
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$951,360	3,170
2005-03-31 (YTD Data)		Rank
Total interest income	$4,985,000	1,571
Total interest expense	$1,424,000	1,678
Net interest income	$3,561,000	1,483
Provision for loan and lease losses	$125,000	1,680
Total noninterest income	$487,000	2,174
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$225,000	1,799
Trading account gains and fees	$0	115
Additional Noninterest Income	$262,000	2,077
Total noninterest expense	$3,340,000	1,273
Salaries and employee benefits	$1,494,000	1,555
Premises and equipment expense	$463,000	1,301
Additional noninterest expense	$1,383,000	909
Pre-tax net operating income	$583,000	3,295
Securities gains (losses)	$68,000	471
Applicable income taxes	$219,000	2,455
Income before extraordinary items	$432,000	3,416
Extraordinary gains, net	$0	24
Net income	$432,000	3,417
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$146,000	857
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$387,120	3,658
2004-12-31 (YTD Data)		Rank
Total interest income	$12,380,000	2,329
Total interest expense	$3,331,000	2,403
Net interest income	$9,049,000	2,259
Provision for loan and lease losses	$-50,000	8,740
Total noninterest income	$1,321,000	2,925
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$661,000	2,505
Trading account gains and fees	$0	138
Additional Noninterest Income	$660,000	2,818
Total noninterest expense	$6,737,000	2,376
Salaries and employee benefits	$3,466,000	2,509
Premises and equipment expense	$1,004,000	2,279
Additional noninterest expense	$2,267,000	2,146
Pre-tax net operating income	$3,683,000	2,193
Securities gains (losses)	$26,000	2,233
Applicable income taxes	$1,377,000	1,715
Income before extraordinary items	$2,332,000	2,565
Extraordinary gains, net	$0	34
Net income	$2,332,000	2,568
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	3,610
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$-9,000,000	8,968
Net operating income	$2,315,360	2,529
2004-09-30 (YTD Data)		Rank
Total interest income	$6,867,000	3,027
Total interest expense	$2,004,000	2,835
Net interest income	$4,863,000	3,075
Provision for loan and lease losses	$0	7,100
Total noninterest income	$745,000	3,589
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$407,000	2,969
Trading account gains and fees	$0	134
Additional Noninterest Income	$338,000	3,503
Total noninterest expense	$3,861,000	2,995
Salaries and employee benefits	$1,929,000	3,241
Premises and equipment expense	$593,000	2,811
Additional noninterest expense	$1,339,000	2,639
Pre-tax net operating income	$1,747,000	3,215
Securities gains (losses)	$0	3,710
Applicable income taxes	$666,000	2,400
Income before extraordinary items	$1,081,000	3,820
Extraordinary gains, net	$0	26
Net income	$1,081,000	3,820
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	8,271
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$-9,000,000	9,021
Net operating income	$1,081,000	3,747
2004-06-30 (YTD Data)		Rank
Total interest income	$1,631,000	6,194
Total interest expense	$480,000	5,771
Net interest income	$1,151,000	6,275
Provision for loan and lease losses	$0	6,885
Total noninterest income	$180,000	6,064
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$107,000	5,129
Trading account gains and fees	$0	130
Additional Noninterest Income	$73,000	5,776
Total noninterest expense	$909,000	6,323
Salaries and employee benefits	$440,000	6,692
Premises and equipment expense	$157,000	5,529
Additional noninterest expense	$312,000	5,860
Pre-tax net operating income	$422,000	5,732
Securities gains (losses)	$0	3,413
Applicable income taxes	$162,000	4,126
Income before extraordinary items	$260,000	6,355
Extraordinary gains, net	$0	21
Net income	$260,000	6,356
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	8,159
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$-9,000,000	9,076
Net operating income	$260,000	6,267
2004-03-31 (YTD Data)		Rank
Total interest income	$5,086,000	1,369
Total interest expense	$1,513,000	1,322
Net interest income	$3,573,000	1,387
Provision for loan and lease losses	$134,000	1,688
Total noninterest income	$519,000	2,098
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$270,000	1,589
Trading account gains and fees	$0	121
Additional Noninterest Income	$249,000	2,139
Total noninterest expense	$2,516,000	1,618
Salaries and employee benefits	$1,432,000	1,559
Premises and equipment expense	$422,000	1,380
Additional noninterest expense	$662,000	1,797
Pre-tax net operating income	$1,442,000	1,437
Securities gains (losses)	$3,000	2,499
Applicable income taxes	$546,000	1,217
Income before extraordinary items	$899,000	1,741
Extraordinary gains, net	$0	16
Net income	$899,000	1,741
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	1,540
Cash dividends	$437,000	1,366
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$897,080	1,664
2003-12-31 (YTD Data)		Rank
Total interest income	$20,708,000	1,378
Total interest expense	$6,999,000	1,265
Net interest income	$13,709,000	1,417
Provision for loan and lease losses	$480,000	2,232
Total noninterest income	$2,637,000	1,866
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$1,204,000	1,433
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,433,000	1,888
Total noninterest expense	$11,139,000	1,445
Salaries and employee benefits	$6,136,000	1,400
Premises and equipment expense	$1,724,000	1,325
Additional noninterest expense	$3,279,000	1,507
Pre-tax net operating income	$4,727,000	1,704
Securities gains (losses)	$47,000	2,570
Applicable income taxes	$1,965,000	1,307
Income before extraordinary items	$2,809,000	2,163
Extraordinary gains, net	$0	54
Net income	$2,809,000	2,163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$181,000	3,045
Cash dividends	$1,462,000	1,768
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,778,920	2,083
2003-09-30 (YTD Data)		Rank
Total interest income	$16,386,000	1,322
Total interest expense	$5,363,000	1,291
Net interest income	$11,023,000	1,335
Provision for loan and lease losses	$360,000	2,185
Total noninterest income	$1,361,000	2,530
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$907,000	1,447
Trading account gains and fees	$0	153
Additional Noninterest Income	$454,000	3,310
Total noninterest expense	$8,033,000	1,498
Salaries and employee benefits	$4,647,000	1,396
Premises and equipment expense	$1,286,000	1,341
Additional noninterest expense	$2,100,000	1,720
Pre-tax net operating income	$3,991,000	1,584
Securities gains (losses)	$72,000	2,017
Applicable income taxes	$1,538,000	1,323
Income before extraordinary items	$2,525,000	1,900
Extraordinary gains, net	$0	40
Net income	$2,525,000	1,899
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$127,000	2,870
Cash dividends	$1,162,000	1,561
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$2,478,920	1,837
2003-06-30 (YTD Data)		Rank
Total interest income	$10,940,000	1,333
Total interest expense	$3,591,000	1,338
Net interest income	$7,349,000	1,333
Provision for loan and lease losses	$240,000	2,189
Total noninterest income	$864,000	2,606
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$588,000	1,455
Trading account gains and fees	$0	150
Additional Noninterest Income	$276,000	3,448
Total noninterest expense	$5,298,000	1,513
Salaries and employee benefits	$3,084,000	1,402
Premises and equipment expense	$851,000	1,344
Additional noninterest expense	$1,363,000	1,762
Pre-tax net operating income	$2,675,000	1,572
Securities gains (losses)	$127,000	1,338
Applicable income taxes	$1,060,000	1,308
Income before extraordinary items	$1,742,000	1,848
Extraordinary gains, net	$0	30
Net income	$1,742,000	1,847
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	2,995
Cash dividends	$862,000	1,496
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,660,720	1,810
2003-03-31 (YTD Data)		Rank
Total interest income	$5,294,000	1,390
Total interest expense	$1,776,000	1,383
Net interest income	$3,518,000	1,396
Provision for loan and lease losses	$120,000	2,030
Total noninterest income	$405,000	2,651
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$274,000	1,516
Trading account gains and fees	$0	134
Additional Noninterest Income	$131,000	3,454
Total noninterest expense	$2,593,000	1,541
Salaries and employee benefits	$1,531,000	1,411
Premises and equipment expense	$409,000	1,420
Additional noninterest expense	$653,000	1,801
Pre-tax net operating income	$1,210,000	1,737
Securities gains (losses)	$121,000	894
Applicable income taxes	$504,000	1,369
Income before extraordinary items	$827,000	1,910
Extraordinary gains, net	$0	21
Net income	$827,000	1,909
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,770
Cash dividends	$562,000	1,102
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$749,560	1,974
2002-12-31 (YTD Data)		Rank
Total interest income	$21,744,000	1,413
Total interest expense	$7,949,000	1,415
Net interest income	$13,795,000	1,416
Provision for loan and lease losses	$710,000	1,805
Total noninterest income	$1,796,000	2,326
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$1,232,000	1,322
Trading account gains and fees	$0	153
Additional Noninterest Income	$564,000	3,071
Total noninterest expense	$10,215,000	1,509
Salaries and employee benefits	$5,863,000	1,381
Premises and equipment expense	$1,630,000	1,347
Additional noninterest expense	$2,722,000	1,720
Pre-tax net operating income	$4,666,000	1,739
Securities gains (losses)	$143,000	1,424
Applicable income taxes	$1,792,000	1,415
Income before extraordinary items	$3,017,000	1,990
Extraordinary gains, net	$0	70
Net income	$3,017,000	1,989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$695,000	1,290
Cash dividends	$1,898,000	1,371
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,925,480	1,984
2001-12-31 (YTD Data)		Rank
Total interest income	$22,894,000	1,490
Total interest expense	$10,396,000	1,565
Net interest income	$12,498,000	1,419
Provision for loan and lease losses	$540,000	2,073
Total noninterest income	$1,925,000	2,075
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$1,229,000	1,219
Trading account gains and fees	$0	177
Additional Noninterest Income	$696,000	2,583
Total noninterest expense	$8,958,000	1,627
Salaries and employee benefits	$4,966,000	1,520
Premises and equipment expense	$1,422,000	1,515
Additional noninterest expense	$2,570,000	1,781
Pre-tax net operating income	$4,925,000	1,457
Securities gains (losses)	$421,000	678
Applicable income taxes	$2,012,000	1,170
Income before extraordinary items	$3,334,000	1,589
Extraordinary gains, net	$0	105
Net income	$3,334,000	1,589
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$239,000	2,566
Cash dividends	$1,985,000	1,355
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$3,064,560	1,644
2000-12-31 (YTD Data)		Rank
Total interest income	$22,172,000	1,554
Total interest expense	$10,093,000	1,704
Net interest income	$12,079,000	1,455
Provision for loan and lease losses	$313,000	2,745
Total noninterest income	$1,763,000	2,053
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$1,125,000	1,209
Trading account gains and fees	$0	180
Additional Noninterest Income	$638,000	2,538
Total noninterest expense	$8,201,000	1,697
Salaries and employee benefits	$4,395,000	1,615
Premises and equipment expense	$1,437,000	1,450
Additional noninterest expense	$2,369,000	1,859
Pre-tax net operating income	$5,328,000	1,388
Securities gains (losses)	$-3,000	7,730
Applicable income taxes	$1,923,000	1,197
Income before extraordinary items	$3,402,000	1,555
Extraordinary gains, net	$0	38
Net income	$3,402,000	1,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	3,541
Cash dividends	$2,622,000	1,086
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$3,403,920	1,547
1999-12-31 (YTD Data)		Rank
Total interest income	$21,359,000	1,532
Total interest expense	$9,197,000	1,637
Net interest income	$12,162,000	1,440
Provision for loan and lease losses	$1,235,000	820
Total noninterest income	$2,379,000	1,630
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,195,000	1,120
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,184,000	1,656
Total noninterest expense	$8,575,000	1,601
Salaries and employee benefits	$4,376,000	1,583
Premises and equipment expense	$1,441,000	1,413
Additional noninterest expense	$2,758,000	1,615
Pre-tax net operating income	$4,731,000	1,590
Securities gains (losses)	$146,000	620
Applicable income taxes	$1,697,000	1,433
Income before extraordinary items	$3,180,000	1,679
Extraordinary gains, net	$0	35
Net income	$3,180,000	1,680
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,276,000	609
Cash dividends	$2,898,000	1,014
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$3,085,100	1,696
1998-12-31 (YTD Data)		Rank
Total interest income	$20,851,000	1,550
Total interest expense	$9,543,000	1,612
Net interest income	$11,308,000	1,498
Provision for loan and lease losses	$144,000	4,268
Total noninterest income	$1,870,000	1,933
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$1,178,000	1,062
Trading account gains and fees	$0	224
Additional Noninterest Income	$692,000	2,412
Total noninterest expense	$9,074,000	1,457
Salaries and employee benefits	$4,405,000	1,489
Premises and equipment expense	$1,353,000	1,449
Additional noninterest expense	$3,316,000	1,324
Pre-tax net operating income	$3,960,000	1,838
Securities gains (losses)	$54,000	1,672
Applicable income taxes	$1,350,000	1,795
Income before extraordinary items	$2,664,000	1,967
Extraordinary gains, net	$0	32
Net income	$2,664,000	1,966
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$127,000	3,233
Cash dividends	$2,400,000	1,159
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$2,628,360	1,916
1997-12-31 (YTD Data)		Rank
Total interest income	$19,368,000	1,705
Total interest expense	$8,529,000	1,819
Net interest income	$10,839,000	1,593
Provision for loan and lease losses	$120,000	4,629
Total noninterest income	$1,755,000	1,959
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$1,128,000	1,109
Trading account gains and fees	$0	239
Additional Noninterest Income	$627,000	2,403
Total noninterest expense	$7,634,000	1,708
Salaries and employee benefits	$4,072,000	1,608
Premises and equipment expense	$1,133,000	1,738
Additional noninterest expense	$2,429,000	1,745
Pre-tax net operating income	$4,840,000	1,595
Securities gains (losses)	$55,000	1,285
Applicable income taxes	$1,596,000	1,618
Income before extraordinary items	$3,299,000	1,639
Extraordinary gains, net	$0	44
Net income	$3,299,000	1,640
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,261
Cash dividends	$2,997,000	955
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$3,262,150	1,616
1996-12-31 (YTD Data)		Rank
Total interest income	$17,920,000	1,893
Total interest expense	$8,060,000	1,948
Net interest income	$9,860,000	1,799
Provision for loan and lease losses	$8,000	8,671
Total noninterest income	$1,641,000	2,145
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$1,120,000	1,188
Trading account gains and fees	$0	262
Additional Noninterest Income	$521,000	2,838
Total noninterest expense	$6,853,000	2,037
Salaries and employee benefits	$3,572,000	1,848
Premises and equipment expense	$959,000	2,091
Additional noninterest expense	$2,322,000	2,154
Pre-tax net operating income	$4,640,000	1,569
Securities gains (losses)	$24,000	1,866
Applicable income taxes	$1,470,000	1,629
Income before extraordinary items	$3,194,000	1,555
Extraordinary gains, net	$0	53
Net income	$3,194,000	1,557
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	5,266
Cash dividends	$3,190,000	915
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$3,177,680	1,533
1995-12-31 (YTD Data)		Rank
Total interest income	$12,107,000	2,763
Total interest expense	$4,968,000	3,042
Net interest income	$7,139,000	2,510
Provision for loan and lease losses	$154,000	3,580
Total noninterest income	$1,458,000	2,329
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$1,071,000	1,251
Trading account gains and fees	$8,000	442
Additional Noninterest Income	$379,000	3,427
Total noninterest expense	$5,058,000	2,686
Salaries and employee benefits	$2,473,000	2,701
Premises and equipment expense	$661,000	2,954
Additional noninterest expense	$1,924,000	2,480
Pre-tax net operating income	$3,385,000	2,176
Securities gains (losses)	$-41,000	11,061
Applicable income taxes	$1,098,000	2,191
Income before extraordinary items	$2,246,000	2,243
Extraordinary gains, net	$0	65
Net income	$2,246,000	2,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,333
Cash dividends	$1,905,000	1,292
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$2,273,470	2,188
1994-12-31 (YTD Data)		Rank
Total interest income	$10,182,000	2,994
Total interest expense	$3,353,000	3,574
Net interest income	$6,829,000	2,643
Provision for loan and lease losses	$105,000	4,433
Total noninterest income	$1,319,000	2,548
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$940,000	1,439
Trading account gains and fees	$22,000	337
Additional Noninterest Income	$357,000	3,669
Total noninterest expense	$4,694,000	2,942
Salaries and employee benefits	$2,284,000	2,899
Premises and equipment expense	$545,000	3,545
Additional noninterest expense	$1,865,000	2,737
Pre-tax net operating income	$3,349,000	2,129
Securities gains (losses)	$-60,000	11,176
Applicable income taxes	$1,076,000	2,079
Income before extraordinary items	$2,213,000	2,210
Extraordinary gains, net	$0	249
Net income	$2,213,000	2,208
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	11,066
Cash dividends	$2,155,000	1,042
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$2,253,200	2,188
1993-12-31 (YTD Data)		Rank
Total interest income	$1,949,000	10,281
Total interest expense	$469,000	11,843
Net interest income	$1,480,000	9,179
Provision for loan and lease losses	$24,000	8,778
Total noninterest income	$367,000	6,836
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$315,000	4,240
Trading account gains and fees	NA	NA
Additional Noninterest Income	$52,000	9,987
Total noninterest expense	$992,000	9,763
Salaries and employee benefits	$486,000	9,810
Premises and equipment expense	$99,000	10,473
Additional noninterest expense	$407,000	9,191
Pre-tax net operating income	$831,000	6,660
Securities gains (losses)	$0	7,477
Applicable income taxes	$313,000	5,918
Income before extraordinary items	$518,000	7,403
Extraordinary gains, net	$0	3,149
Net income	$518,000	7,581
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	11,050
Cash dividends	$525,000	2,950
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$518,000	7,160
1992-12-31 (YTD Data)		Rank
Total interest income	$1,808,000	11,290
Total interest expense	$562,000	12,475
Net interest income	$1,246,000	10,155
Provision for loan and lease losses	$36,000	9,661
Total noninterest income	$340,000	7,220
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$299,000	4,456
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	10,988
Total noninterest expense	$917,000	10,383
Salaries and employee benefits	$438,000	10,425
Premises and equipment expense	$107,000	10,495
Additional noninterest expense	$372,000	9,923
Pre-tax net operating income	$633,000	7,497
Securities gains (losses)	$0	8,369
Applicable income taxes	$233,000	6,949
Income before extraordinary items	$400,000	8,224
Extraordinary gains, net	$0	1,422
Net income	$400,000	8,348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	8,449
Cash dividends	$81,000	6,973
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$400,000	7,862

* 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.