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St. Charles Bank & Trust Company, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$124,497,000	447
Total interest expense	$45,256,000	418
Net interest income	$79,241,000	462
Provision for loan and lease losses	$5,278,000	316
Total noninterest income	$8,865,000	803
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,750,000	634
Trading account gains and fees	$94,000	100
Additional Noninterest Income	$7,021,000	705
Total noninterest expense	$36,427,000	751
Salaries and employee benefits	$16,362,000	905
Premises and equipment expense	$2,439,000	1,019
Additional noninterest expense	$7,021,000	705
Pre-tax net operating income	$46,401,000	371
Securities gains (losses)	$60,000	358
Applicable income taxes	$12,519,000	291
Income before extraordinary items	$33,942,000	384
Extraordinary gains, net	$0	54
Net income	$33,942,000	389
Minority interest net income	$0	88
Net income of bank and minority interests.	$33,942,000	386
Net charge-offs	$691,000	637
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$466,000	275
Net operating income	$33,894,600	395
2023-06-30 (YTD Data)		Rank
Total interest income	$55,053,000	471
Total interest expense	$17,403,000	442
Net interest income	$37,650,000	490
Provision for loan and lease losses	$2,597,000	307
Total noninterest income	$4,874,000	735
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$855,000	641
Trading account gains and fees	$18,000	98
Additional Noninterest Income	$4,001,000	619
Total noninterest expense	$17,413,000	766
Salaries and employee benefits	$7,902,000	927
Premises and equipment expense	$1,254,000	994
Additional noninterest expense	$4,001,000	619
Pre-tax net operating income	$22,514,000	399
Securities gains (losses)	$21,000	455
Applicable income taxes	$6,083,000	323
Income before extraordinary items	$16,452,000	408
Extraordinary gains, net	$0	51
Net income	$16,452,000	417
Minority interest net income	$0	81
Net income of bank and minority interests.	$16,452,000	409
Net charge-offs	$333,000	532
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$232,000	255
Net operating income	$16,435,410	415
2023-03-31 (YTD Data)		Rank
Total interest income	$25,724,000	497
Total interest expense	$6,939,000	469
Net interest income	$18,785,000	500
Provision for loan and lease losses	$3,435,000	173
Total noninterest income	$2,067,000	813
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$418,000	659
Trading account gains and fees	$0	97
Additional Noninterest Income	$1,649,000	694
Total noninterest expense	$8,771,000	775
Salaries and employee benefits	$3,897,000	955
Premises and equipment expense	$637,000	1,012
Additional noninterest expense	$1,649,000	694
Pre-tax net operating income	$8,646,000	484
Securities gains (losses)	$35,000	329
Applicable income taxes	$2,335,000	391
Income before extraordinary items	$6,346,000	517
Extraordinary gains, net	$0	4
Net income	$6,346,000	518
Minority interest net income	$0	48
Net income of bank and minority interests.	$6,346,000	518
Net charge-offs	$188,000	447
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$123,000	229
Net operating income	$6,318,350	523
2022-12-31 (YTD Data)		Rank
Total interest income	$64,043,000	604
Total interest expense	$7,996,000	544
Net interest income	$56,047,000	618
Provision for loan and lease losses	$-413,000	4,514
Total noninterest income	$6,757,000	979
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$1,932,000	587
Trading account gains and fees	$84,000	102
Additional Noninterest Income	$4,741,000	945
Total noninterest expense	$30,650,000	863
Salaries and employee benefits	$13,740,000	1,027
Premises and equipment expense	$2,539,000	997
Additional noninterest expense	$4,741,000	945
Pre-tax net operating income	$32,567,000	532
Securities gains (losses)	$-124,000	3,973
Applicable income taxes	$8,674,000	422
Income before extraordinary items	$23,769,000	570
Extraordinary gains, net	$0	5
Net income	$23,769,000	572
Minority interest net income	$0	63
Net income of bank and minority interests.	$23,769,000	572
Net charge-offs	$388,000	688
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$433,000	339
Net operating income	$23,866,960	577
2022-09-30 (YTD Data)		Rank
Total interest income	$42,087,000	654
Total interest expense	$3,853,000	591
Net interest income	$38,234,000	658
Provision for loan and lease losses	$-1,346,000	4,668
Total noninterest income	$4,942,000	1,016
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$1,510,000	575
Trading account gains and fees	$72,000	100
Additional Noninterest Income	$3,360,000	985
Total noninterest expense	$22,341,000	867
Salaries and employee benefits	$9,910,000	1,061
Premises and equipment expense	$1,872,000	997
Additional noninterest expense	$3,360,000	985
Pre-tax net operating income	$22,181,000	569
Securities gains (losses)	$-133,000	4,274
Applicable income taxes	$5,912,000	451
Income before extraordinary items	$16,136,000	610
Extraordinary gains, net	$0	4
Net income	$16,136,000	611
Minority interest net income	$0	57
Net income of bank and minority interests.	$16,136,000	611
Net charge-offs	$341,000	538
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$324,000	305
Net operating income	$16,241,070	613
2022-06-30 (YTD Data)		Rank
Total interest income	$25,719,000	671
Total interest expense	$2,076,000	567
Net interest income	$23,643,000	672
Provision for loan and lease losses	$-642,000	4,635
Total noninterest income	$3,322,000	996
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$1,030,000	560
Trading account gains and fees	$71,000	97
Additional Noninterest Income	$2,221,000	1,023
Total noninterest expense	$14,558,000	867
Salaries and employee benefits	$6,459,000	1,080
Premises and equipment expense	$1,246,000	999
Additional noninterest expense	$6,853,000	591
Pre-tax net operating income	$13,049,000	596
Securities gains (losses)	$-85,000	4,338
Applicable income taxes	$3,471,000	471
Income before extraordinary items	$9,493,000	627
Extraordinary gains, net	$0	4
Net income	$9,493,000	627
Minority interest net income	$0	60
Net income of bank and minority interests.	$9,493,000	627
Net charge-offs	$219,000	510
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$196,000	303
Net operating income	$9,560,150	636
2022-03-31 (YTD Data)		Rank
Total interest income	$12,286,000	677
Total interest expense	$1,023,000	544
Net interest income	$11,263,000	688
Provision for loan and lease losses	$240,000	594
Total noninterest income	$1,722,000	972
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$513,000	551
Trading account gains and fees	$51,000	89
Additional Noninterest Income	$1,158,000	991
Total noninterest expense	$7,318,000	864
Salaries and employee benefits	$3,270,000	1,066
Premises and equipment expense	$683,000	927
Additional noninterest expense	$3,365,000	591
Pre-tax net operating income	$5,427,000	650
Securities gains (losses)	$-48,000	4,452
Applicable income taxes	$1,444,000	511
Income before extraordinary items	$3,935,000	707
Extraordinary gains, net	$0	4
Net income	$3,935,000	707
Minority interest net income	$0	50
Net income of bank and minority interests.	$3,935,000	707
Net charge-offs	$42,000	733
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$122,000	251
Net operating income	$3,972,920	711
2021-12-31 (YTD Data)		Rank
Total interest income	$51,340,000	659
Total interest expense	$5,570,000	488
Net interest income	$45,770,000	680
Provision for loan and lease losses	$-5,842,000	4,691
Total noninterest income	$7,277,000	1,038
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$1,827,000	575
Trading account gains and fees	$632,000	89
Additional Noninterest Income	$4,818,000	1,095
Total noninterest expense	$29,479,000	858
Salaries and employee benefits	$12,425,000	1,094
Premises and equipment expense	$2,559,000	975
Additional noninterest expense	$14,495,000	562
Pre-tax net operating income	$29,410,000	563
Securities gains (losses)	$-30,000	4,498
Applicable income taxes	$8,102,000	449
Income before extraordinary items	$21,278,000	615
Extraordinary gains, net	$0	10
Net income	$21,278,000	615
Minority interest net income	$0	74
Net income of bank and minority interests.	$21,278,000	616
Net charge-offs	$679,000	529
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$233,000	394
Net operating income	$21,301,700	607
2021-09-30 (YTD Data)		Rank
Total interest income	$38,784,000	669
Total interest expense	$4,453,000	480
Net interest income	$34,331,000	693
Provision for loan and lease losses	$-8,048,000	4,791
Total noninterest income	$5,268,000	1,085
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$1,343,000	584
Trading account gains and fees	$520,000	87
Additional Noninterest Income	$3,405,000	1,177
Total noninterest expense	$21,987,000	874
Salaries and employee benefits	$9,298,000	1,106
Premises and equipment expense	$2,036,000	948
Additional noninterest expense	$10,653,000	572
Pre-tax net operating income	$25,660,000	507
Securities gains (losses)	$-25,000	4,666
Applicable income taxes	$6,794,000	424
Income before extraordinary items	$18,841,000	556
Extraordinary gains, net	$0	8
Net income	$18,841,000	555
Minority interest net income	$0	69
Net income of bank and minority interests.	$18,841,000	556
Net charge-offs	$410,000	562
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$124,000	390
Net operating income	$18,860,750	550
2021-06-30 (YTD Data)		Rank
Total interest income	$25,957,000	666
Total interest expense	$3,173,000	480
Net interest income	$22,784,000	692
Provision for loan and lease losses	$-7,560,000	4,845
Total noninterest income	$2,388,000	1,377
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$865,000	584
Trading account gains and fees	$360,000	94
Additional Noninterest Income	$1,163,000	1,767
Total noninterest expense	$14,886,000	858
Salaries and employee benefits	$6,331,000	1,084
Premises and equipment expense	$1,582,000	839
Additional noninterest expense	$6,973,000	563
Pre-tax net operating income	$17,846,000	490
Securities gains (losses)	$-19,000	4,706
Applicable income taxes	$4,718,000	419
Income before extraordinary items	$13,109,000	533
Extraordinary gains, net	$0	6
Net income	$13,109,000	532
Minority interest net income	$0	67
Net income of bank and minority interests.	$13,109,000	533
Net charge-offs	$349,000	483
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$77,000	376
Net operating income	$13,124,010	528
2021-03-31 (YTD Data)		Rank
Total interest income	$12,785,000	668
Total interest expense	$1,631,000	492
Net interest income	$11,154,000	691
Provision for loan and lease losses	$-4,939,000	4,876
Total noninterest income	$1,355,000	1,255
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$421,000	591
Trading account gains and fees	$-5,000	1,301
Additional Noninterest Income	$939,000	1,325
Total noninterest expense	$6,969,000	893
Salaries and employee benefits	$3,090,000	1,096
Premises and equipment expense	$631,000	996
Additional noninterest expense	$3,248,000	582
Pre-tax net operating income	$10,479,000	443
Securities gains (losses)	$-19,000	4,726
Applicable income taxes	$2,764,000	379
Income before extraordinary items	$7,696,000	481
Extraordinary gains, net	$0	3
Net income	$7,696,000	481
Minority interest net income	$0	55
Net income of bank and minority interests.	$7,696,000	481
Net charge-offs	$350,000	314
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$31,000	376
Net operating income	$7,711,010	473
2020-12-31 (YTD Data)		Rank
Total interest income	$55,503,000	614
Total interest expense	$10,179,000	494
Net interest income	$45,324,000	651
Provision for loan and lease losses	$11,689,000	308
Total noninterest income	$4,327,000	1,388
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$1,594,000	628
Trading account gains and fees	$828,000	94
Additional Noninterest Income	$1,905,000	1,830
Total noninterest expense	$26,836,000	898
Salaries and employee benefits	$12,444,000	1,047
Premises and equipment expense	$2,256,000	1,066
Additional noninterest expense	$12,136,000	620
Pre-tax net operating income	$11,126,000	974
Securities gains (losses)	$26,000	2,005
Applicable income taxes	$2,951,000	704
Income before extraordinary items	$8,201,000	1,127
Extraordinary gains, net	$0	4
Net income	$8,201,000	1,126
Minority interest net income	$0	72
Net income of bank and minority interests.	$8,201,000	1,127
Net charge-offs	$1,480,000	509
Cash dividends	$9,000,000	494
Sale, conversion, retirement of capital stock, net	$-116,000	4,935
Net operating income	$8,180,460	1,093
2020-09-30 (YTD Data)		Rank
Total interest income	$42,582,000	603
Total interest expense	$8,235,000	489
Net interest income	$34,347,000	635
Provision for loan and lease losses	$11,043,000	289
Total noninterest income	$2,996,000	1,424
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,184,000	630
Trading account gains and fees	$649,000	95
Additional Noninterest Income	$1,163,000	2,016
Total noninterest expense	$20,417,000	876
Salaries and employee benefits	$9,485,000	1,023
Premises and equipment expense	$1,628,000	1,089
Additional noninterest expense	$9,304,000	591
Pre-tax net operating income	$5,883,000	1,231
Securities gains (losses)	$27,000	1,806
Applicable income taxes	$1,600,000	857
Income before extraordinary items	$4,310,000	1,425
Extraordinary gains, net	$0	4
Net income	$4,310,000	1,426
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,310,000	1,426
Net charge-offs	$1,383,000	415
Cash dividends	$9,000,000	384
Sale, conversion, retirement of capital stock, net	$-61,000	4,980
Net operating income	$4,288,670	1,388
2020-06-30 (YTD Data)		Rank
Total interest income	$28,815,000	598
Total interest expense	$6,000,000	493
Net interest income	$22,815,000	637
Provision for loan and lease losses	$6,758,000	322
Total noninterest income	$1,816,000	1,445
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$779,000	646
Trading account gains and fees	$143,000	115
Additional Noninterest Income	$894,000	1,778
Total noninterest expense	$13,434,000	875
Salaries and employee benefits	$6,339,000	1,015
Premises and equipment expense	$1,208,000	1,001
Additional noninterest expense	$5,887,000	615
Pre-tax net operating income	$4,439,000	1,063
Securities gains (losses)	$48,000	1,308
Applicable income taxes	$1,138,000	745
Income before extraordinary items	$3,349,000	1,203
Extraordinary gains, net	$0	4
Net income	$3,349,000	1,203
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,349,000	1,203
Net charge-offs	$1,426,000	314
Cash dividends	$9,000,000	289
Sale, conversion, retirement of capital stock, net	$-55,000	5,014
Net operating income	$3,311,080	1,181
2020-03-31 (YTD Data)		Rank
Total interest income	$14,672,000	590
Total interest expense	$3,301,000	506
Net interest income	$11,371,000	624
Provision for loan and lease losses	$2,195,000	383
Total noninterest income	$948,000	1,340
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$411,000	730
Trading account gains and fees	$0	106
Additional Noninterest Income	$537,000	1,446
Total noninterest expense	$6,492,000	904
Salaries and employee benefits	$3,093,000	1,042
Premises and equipment expense	$621,000	998
Additional noninterest expense	$2,778,000	655
Pre-tax net operating income	$3,632,000	620
Securities gains (losses)	$44,000	885
Applicable income taxes	$905,000	497
Income before extraordinary items	$2,771,000	708
Extraordinary gains, net	$0	4
Net income	$2,771,000	708
Minority interest net income	$0	56
Net income of bank and minority interests.	$2,771,000	708
Net charge-offs	$126,000	776
Cash dividends	$9,000,000	209
Sale, conversion, retirement of capital stock, net	$-57,000	5,070
Net operating income	$2,736,240	689
2019-12-31 (YTD Data)		Rank
Total interest income	$52,127,000	659
Total interest expense	$12,582,000	564
Net interest income	$39,545,000	696
Provision for loan and lease losses	$6,120,000	224
Total noninterest income	$3,682,000	1,397
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,374,000	870
Trading account gains and fees	$400,000	109
Additional Noninterest Income	$1,908,000	1,583
Total noninterest expense	$25,881,000	894
Salaries and employee benefits	$12,747,000	990
Premises and equipment expense	$2,570,000	961
Additional noninterest expense	$10,564,000	668
Pre-tax net operating income	$11,226,000	964
Securities gains (losses)	$62,000	1,149
Applicable income taxes	$2,959,000	701
Income before extraordinary items	$8,329,000	1,081
Extraordinary gains, net	$0	11
Net income	$8,329,000	1,083
Minority interest net income	$0	76
Net income of bank and minority interests.	$8,329,000	1,083
Net charge-offs	$5,930,000	189
Cash dividends	$2,000,000	1,567
Sale, conversion, retirement of capital stock, net	$698,000	253
Net operating income	$8,280,020	1,062
2019-09-30 (YTD Data)		Rank
Total interest income	$36,851,000	705
Total interest expense	$9,084,000	590
Net interest income	$27,767,000	742
Provision for loan and lease losses	$4,023,000	239
Total noninterest income	$2,606,000	1,442
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$986,000	902
Trading account gains and fees	$323,000	106
Additional Noninterest Income	$1,297,000	1,659
Total noninterest expense	$16,834,000	990
Salaries and employee benefits	$8,164,000	1,134
Premises and equipment expense	$1,762,000	1,032
Additional noninterest expense	$6,908,000	761
Pre-tax net operating income	$9,516,000	883
Securities gains (losses)	$60,000	993
Applicable income taxes	$2,496,000	672
Income before extraordinary items	$7,080,000	996
Extraordinary gains, net	$0	11
Net income	$7,080,000	997
Minority interest net income	$0	72
Net income of bank and minority interests.	$7,080,000	997
Net charge-offs	$4,017,000	199
Cash dividends	$2,000,000	1,189
Sale, conversion, retirement of capital stock, net	$127,000	381
Net operating income	$7,032,600	982
2019-06-30 (YTD Data)		Rank
Total interest income	$24,306,000	714
Total interest expense	$5,781,000	605
Net interest income	$18,525,000	744
Provision for loan and lease losses	$3,881,000	192
Total noninterest income	$1,551,000	1,503
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$636,000	914
Trading account gains and fees	$220,000	102
Additional Noninterest Income	$695,000	1,848
Total noninterest expense	$11,451,000	966
Salaries and employee benefits	$5,540,000	1,112
Premises and equipment expense	$1,323,000	941
Additional noninterest expense	$4,588,000	764
Pre-tax net operating income	$4,744,000	1,094
Securities gains (losses)	$55,000	724
Applicable income taxes	$1,232,000	785
Income before extraordinary items	$3,567,000	1,218
Extraordinary gains, net	$0	11
Net income	$3,567,000	1,218
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,567,000	1,218
Net charge-offs	$2,861,000	182
Cash dividends	$2,000,000	856
Sale, conversion, retirement of capital stock, net	$112,000	342
Net operating income	$3,523,550	1,207
2019-03-31 (YTD Data)		Rank
Total interest income	$11,955,000	722
Total interest expense	$2,676,000	628
Net interest income	$9,279,000	745
Provision for loan and lease losses	$622,000	400
Total noninterest income	$679,000	1,602
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$302,000	945
Trading account gains and fees	$20,000	119
Additional Noninterest Income	$357,000	1,775
Total noninterest expense	$5,672,000	974
Salaries and employee benefits	$2,780,000	1,109
Premises and equipment expense	$696,000	909
Additional noninterest expense	$2,196,000	779
Pre-tax net operating income	$3,664,000	740
Securities gains (losses)	$12,000	677
Applicable income taxes	$906,000	597
Income before extraordinary items	$2,770,000	829
Extraordinary gains, net	$0	5
Net income	$2,770,000	829
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,770,000	828
Net charge-offs	$227,000	567
Cash dividends	$2,000,000	496
Sale, conversion, retirement of capital stock, net	$73,000	268
Net operating income	$2,760,520	818
2018-12-31 (YTD Data)		Rank
Total interest income	$43,172,000	739
Total interest expense	$7,982,000	637
Net interest income	$35,190,000	758
Provision for loan and lease losses	$991,000	890
Total noninterest income	$3,282,000	1,446
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,313,000	916
Trading account gains and fees	$234,000	105
Additional Noninterest Income	$1,735,000	1,636
Total noninterest expense	$21,637,000	1,000
Salaries and employee benefits	$10,062,000	1,171
Premises and equipment expense	$2,321,000	1,041
Additional noninterest expense	$9,254,000	750
Pre-tax net operating income	$15,844,000	718
Securities gains (losses)	$-80,000	4,952
Applicable income taxes	$3,955,000	555
Income before extraordinary items	$11,809,000	801
Extraordinary gains, net	$0	6
Net income	$11,809,000	799
Minority interest net income	$0	72
Net income of bank and minority interests.	$11,809,000	800
Net charge-offs	$351,000	1,210
Cash dividends	$3,000,000	1,074
Sale, conversion, retirement of capital stock, net	$263,000	374
Net operating income	$11,872,200	795
2018-09-30 (YTD Data)		Rank
Total interest income	$31,451,000	743
Total interest expense	$5,470,000	649
Net interest income	$25,981,000	763
Provision for loan and lease losses	$712,000	850
Total noninterest income	$2,684,000	1,383
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$988,000	915
Trading account gains and fees	$216,000	105
Additional Noninterest Income	$1,480,000	1,530
Total noninterest expense	$16,009,000	1,006
Salaries and employee benefits	$7,439,000	1,181
Premises and equipment expense	$1,668,000	1,075
Additional noninterest expense	$6,902,000	740
Pre-tax net operating income	$11,944,000	712
Securities gains (losses)	$-49,000	5,137
Applicable income taxes	$3,006,000	560
Income before extraordinary items	$8,889,000	794
Extraordinary gains, net	$0	5
Net income	$8,889,000	793
Minority interest net income	$0	66
Net income of bank and minority interests.	$8,889,000	793
Net charge-offs	$334,000	927
Cash dividends	$3,000,000	778
Sale, conversion, retirement of capital stock, net	$196,000	347
Net operating income	$8,927,710	788
2018-06-30 (YTD Data)		Rank
Total interest income	$20,448,000	754
Total interest expense	$3,311,000	660
Net interest income	$17,137,000	768
Provision for loan and lease losses	$754,000	583
Total noninterest income	$1,848,000	1,355
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$645,000	936
Trading account gains and fees	$180,000	94
Additional Noninterest Income	$1,023,000	1,494
Total noninterest expense	$10,665,000	1,009
Salaries and employee benefits	$4,894,000	1,191
Premises and equipment expense	$1,117,000	1,070
Additional noninterest expense	$4,654,000	731
Pre-tax net operating income	$7,566,000	728
Securities gains (losses)	$-37,000	5,224
Applicable income taxes	$1,857,000	575
Income before extraordinary items	$5,672,000	811
Extraordinary gains, net	$0	6
Net income	$5,672,000	809
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,672,000	810
Net charge-offs	$364,000	648
Cash dividends	$3,000,000	565
Sale, conversion, retirement of capital stock, net	$125,000	339
Net operating income	$5,701,230	800
2018-03-31 (YTD Data)		Rank
Total interest income	$9,778,000	771
Total interest expense	$1,404,000	722
Net interest income	$8,374,000	785
Provision for loan and lease losses	$458,000	504
Total noninterest income	$850,000	1,426
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$307,000	968
Trading account gains and fees	$105,000	89
Additional Noninterest Income	$438,000	1,618
Total noninterest expense	$5,115,000	1,053
Salaries and employee benefits	$2,497,000	1,180
Premises and equipment expense	$555,000	1,086
Additional noninterest expense	$2,063,000	796
Pre-tax net operating income	$3,651,000	730
Securities gains (losses)	$-30,000	5,359
Applicable income taxes	$865,000	590
Income before extraordinary items	$2,756,000	806
Extraordinary gains, net	$0	7
Net income	$2,756,000	806
Minority interest net income	$0	52
Net income of bank and minority interests.	$2,756,000	806
Net charge-offs	$236,000	520
Cash dividends	$3,000,000	300
Sale, conversion, retirement of capital stock, net	$95,000	255
Net operating income	$2,779,700	791
2017-12-31 (YTD Data)		Rank
Total interest income	$37,583,000	760
Total interest expense	$4,441,000	773
Net interest income	$33,142,000	761
Provision for loan and lease losses	$250,000	2,142
Total noninterest income	$2,898,000	1,631
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,164,000	1,042
Trading account gains and fees	$183,000	114
Additional Noninterest Income	$1,551,000	1,780
Total noninterest expense	$20,763,000	1,023
Salaries and employee benefits	$9,972,000	1,161
Premises and equipment expense	$1,842,000	1,263
Additional noninterest expense	$8,949,000	754
Pre-tax net operating income	$15,027,000	694
Securities gains (losses)	$2,000	1,996
Applicable income taxes	$4,989,000	664
Income before extraordinary items	$10,040,000	753
Extraordinary gains, net	$0	9
Net income	$10,040,000	753
Minority interest net income	$0	76
Net income of bank and minority interests.	$10,040,000	753
Net charge-offs	$213,000	1,779
Cash dividends	$12,000,000	323
Sale, conversion, retirement of capital stock, net	$323,000	340
Net operating income	$10,038,660	745
2017-09-30 (YTD Data)		Rank
Total interest income	$28,047,000	764
Total interest expense	$3,216,000	768
Net interest income	$24,831,000	762
Provision for loan and lease losses	$172,000	2,187
Total noninterest income	$2,092,000	1,682
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$853,000	1,072
Trading account gains and fees	$-19,000	2,091
Additional Noninterest Income	$1,258,000	1,710
Total noninterest expense	$15,694,000	1,021
Salaries and employee benefits	$7,395,000	1,178
Premises and equipment expense	$1,375,000	1,280
Additional noninterest expense	$6,924,000	724
Pre-tax net operating income	$11,057,000	704
Securities gains (losses)	$4,000	1,878
Applicable income taxes	$4,069,000	561
Income before extraordinary items	$6,992,000	857
Extraordinary gains, net	$0	9
Net income	$6,992,000	858
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,992,000	857
Net charge-offs	$45,000	2,538
Cash dividends	$8,000,000	338
Sale, conversion, retirement of capital stock, net	$200,000	344
Net operating income	$6,989,440	847
2017-06-30 (YTD Data)		Rank
Total interest income	$18,404,000	770
Total interest expense	$2,026,000	787
Net interest income	$16,378,000	770
Provision for loan and lease losses	$40,000	2,995
Total noninterest income	$1,397,000	1,666
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$560,000	1,065
Trading account gains and fees	$-15,000	2,192
Additional Noninterest Income	$852,000	1,705
Total noninterest expense	$10,590,000	1,017
Salaries and employee benefits	$4,994,000	1,173
Premises and equipment expense	$885,000	1,329
Additional noninterest expense	$4,711,000	717
Pre-tax net operating income	$7,145,000	710
Securities gains (losses)	$1,000	1,756
Applicable income taxes	$2,572,000	569
Income before extraordinary items	$4,574,000	862
Extraordinary gains, net	$0	11
Net income	$4,574,000	863
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,574,000	862
Net charge-offs	$96,000	1,553
Cash dividends	$8,000,000	245
Sale, conversion, retirement of capital stock, net	$136,000	317
Net operating income	$4,573,360	853
2017-03-31 (YTD Data)		Rank
Total interest income	$8,890,000	792
Total interest expense	$942,000	816
Net interest income	$7,948,000	793
Provision for loan and lease losses	$57,000	1,998
Total noninterest income	$499,000	2,055
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$271,000	1,102
Trading account gains and fees	$-12,000	2,363
Additional Noninterest Income	$240,000	2,362
Total noninterest expense	$5,315,000	1,013
Salaries and employee benefits	$2,493,000	1,184
Premises and equipment expense	$537,000	1,110
Additional noninterest expense	$2,285,000	724
Pre-tax net operating income	$3,075,000	784
Securities gains (losses)	$-2,000	5,508
Applicable income taxes	$1,046,000	632
Income before extraordinary items	$2,027,000	932
Extraordinary gains, net	$0	8
Net income	$2,027,000	933
Minority interest net income	$0	55
Net income of bank and minority interests.	$2,027,000	932
Net charge-offs	$54,000	1,274
Cash dividends	$6,000,000	171
Sale, conversion, retirement of capital stock, net	$68,000	290
Net operating income	$2,028,320	919
2016-12-31 (YTD Data)		Rank
Total interest income	$30,667,000	878
Total interest expense	$3,509,000	835
Net interest income	$27,158,000	874
Provision for loan and lease losses	$-48,000	5,525
Total noninterest income	$2,588,000	1,812
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$907,000	1,311
Trading account gains and fees	$476,000	106
Additional Noninterest Income	$1,205,000	2,176
Total noninterest expense	$17,345,000	1,181
Salaries and employee benefits	$8,564,000	1,302
Premises and equipment expense	$1,799,000	1,294
Additional noninterest expense	$6,982,000	946
Pre-tax net operating income	$12,449,000	764
Securities gains (losses)	$49,000	1,853
Applicable income taxes	$4,736,000	576
Income before extraordinary items	$7,762,000	968
Extraordinary gains, net	$0	5
Net income	$7,762,000	967
Minority interest net income	$0	82
Net income of bank and minority interests.	$7,762,000	967
Net charge-offs	$116,000	2,476
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$232,000	379
Net operating income	$7,730,640	939
2016-09-30 (YTD Data)		Rank
Total interest income	$21,264,000	960
Total interest expense	$2,533,000	863
Net interest income	$18,731,000	965
Provision for loan and lease losses	$-180,000	5,770
Total noninterest income	$1,844,000	1,870
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$649,000	1,363
Trading account gains and fees	$338,000	102
Additional Noninterest Income	$857,000	2,237
Total noninterest expense	$11,980,000	1,258
Salaries and employee benefits	$6,047,000	1,360
Premises and equipment expense	$1,327,000	1,322
Additional noninterest expense	$4,606,000	1,071
Pre-tax net operating income	$8,775,000	811
Securities gains (losses)	$113,000	1,174
Applicable income taxes	$3,419,000	599
Income before extraordinary items	$5,469,000	1,031
Extraordinary gains, net	$0	5
Net income	$5,469,000	1,031
Minority interest net income	$0	71
Net income of bank and minority interests.	$5,469,000	1,031
Net charge-offs	$147,000	1,711
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$154,000	377
Net operating income	$5,396,680	1,011
2016-06-30 (YTD Data)		Rank
Total interest income	$13,906,000	974
Total interest expense	$1,607,000	903
Net interest income	$12,299,000	984
Provision for loan and lease losses	$-84,000	5,837
Total noninterest income	$1,198,000	1,889
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$410,000	1,398
Trading account gains and fees	$79,000	129
Additional Noninterest Income	$709,000	1,938
Total noninterest expense	$7,815,000	1,286
Salaries and employee benefits	$4,051,000	1,365
Premises and equipment expense	$859,000	1,349
Additional noninterest expense	$2,905,000	1,129
Pre-tax net operating income	$5,766,000	817
Securities gains (losses)	$122,000	840
Applicable income taxes	$2,238,000	599
Income before extraordinary items	$3,650,000	1,011
Extraordinary gains, net	$0	16
Net income	$3,650,000	1,010
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,650,000	1,010
Net charge-offs	$80,000	1,820
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$108,000	353
Net operating income	$3,571,920	1,009
2016-03-31 (YTD Data)		Rank
Total interest income	$6,952,000	975
Total interest expense	$797,000	912
Net interest income	$6,155,000	971
Provision for loan and lease losses	$-251,000	6,035
Total noninterest income	$557,000	1,927
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$205,000	1,404
Trading account gains and fees	$72,000	102
Additional Noninterest Income	$280,000	2,177
Total noninterest expense	$3,791,000	1,322
Salaries and employee benefits	$2,056,000	1,352
Premises and equipment expense	$390,000	1,482
Additional noninterest expense	$1,345,000	1,197
Pre-tax net operating income	$3,172,000	720
Securities gains (losses)	$34,000	996
Applicable income taxes	$1,227,000	549
Income before extraordinary items	$1,979,000	902
Extraordinary gains, net	$0	12
Net income	$1,979,000	903
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,979,000	903
Net charge-offs	$34,000	1,682
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$57,000	326
Net operating income	$1,957,240	885
2015-12-31 (YTD Data)		Rank
Total interest income	$27,190,000	961
Total interest expense	$2,739,000	1,034
Net interest income	$24,451,000	937
Provision for loan and lease losses	$370,000	1,675
Total noninterest income	$3,468,000	1,444
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$724,000	1,604
Trading account gains and fees	$1,005,000	75
Additional Noninterest Income	$1,739,000	1,686
Total noninterest expense	$15,847,000	1,251
Salaries and employee benefits	$7,823,000	1,385
Premises and equipment expense	$1,599,000	1,447
Additional noninterest expense	$6,425,000	1,023
Pre-tax net operating income	$11,702,000	768
Securities gains (losses)	$16,000	2,359
Applicable income taxes	$4,523,000	567
Income before extraordinary items	$7,195,000	987
Extraordinary gains, net	$0	23
Net income	$7,195,000	987
Minority interest net income	$0	81
Net income of bank and minority interests.	$7,195,000	987
Net charge-offs	$225,000	1,875
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$231,000	409
Net operating income	$7,184,760	970
2015-09-30 (YTD Data)		Rank
Total interest income	$20,328,000	974
Total interest expense	$1,949,000	1,091
Net interest income	$18,379,000	937
Provision for loan and lease losses	$154,000	2,230
Total noninterest income	$2,385,000	1,555
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$538,000	1,624
Trading account gains and fees	$509,000	86
Additional Noninterest Income	$1,338,000	1,674
Total noninterest expense	$11,666,000	1,277
Salaries and employee benefits	$5,840,000	1,389
Premises and equipment expense	$1,171,000	1,490
Additional noninterest expense	$4,655,000	1,054
Pre-tax net operating income	$8,944,000	767
Securities gains (losses)	$16,000	2,128
Applicable income taxes	$3,454,000	573
Income before extraordinary items	$5,506,000	972
Extraordinary gains, net	$0	21
Net income	$5,506,000	972
Minority interest net income	$0	78
Net income of bank and minority interests.	$5,506,000	972
Net charge-offs	$153,000	1,776
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$180,000	374
Net operating income	$5,495,760	948
2015-06-30 (YTD Data)		Rank
Total interest income	$13,418,000	975
Total interest expense	$1,208,000	1,168
Net interest income	$12,210,000	939
Provision for loan and lease losses	$65,000	2,615
Total noninterest income	$1,669,000	1,498
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$346,000	1,652
Trading account gains and fees	$451,000	86
Additional Noninterest Income	$872,000	1,704
Total noninterest expense	$7,733,000	1,287
Salaries and employee benefits	$3,877,000	1,400
Premises and equipment expense	$749,000	1,562
Additional noninterest expense	$3,107,000	1,058
Pre-tax net operating income	$6,081,000	756
Securities gains (losses)	$9,000	2,056
Applicable income taxes	$2,351,000	583
Income before extraordinary items	$3,739,000	951
Extraordinary gains, net	$0	22
Net income	$3,739,000	951
Minority interest net income	$0	75
Net income of bank and minority interests.	$3,739,000	951
Net charge-offs	$88,000	1,840
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$124,000	352
Net operating income	$3,733,240	927
2015-03-31 (YTD Data)		Rank
Total interest income	$6,663,000	975
Total interest expense	$568,000	1,241
Net interest income	$6,095,000	929
Provision for loan and lease losses	$49,000	2,138
Total noninterest income	$863,000	1,425
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$168,000	1,673
Trading account gains and fees	$389,000	74
Additional Noninterest Income	$306,000	2,100
Total noninterest expense	$3,790,000	1,307
Salaries and employee benefits	$1,948,000	1,402
Premises and equipment expense	$376,000	1,569
Additional noninterest expense	$1,466,000	1,088
Pre-tax net operating income	$3,119,000	722
Securities gains (losses)	$10,000	1,480
Applicable income taxes	$1,202,000	552
Income before extraordinary items	$1,927,000	895
Extraordinary gains, net	$0	13
Net income	$1,927,000	895
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,927,000	895
Net charge-offs	$27,000	1,951
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$55,000	341
Net operating income	$1,920,600	866
2014-12-31 (YTD Data)		Rank
Total interest income	$27,286,000	926
Total interest expense	$2,388,000	1,219
Net interest income	$24,898,000	880
Provision for loan and lease losses	$458,000	1,548
Total noninterest income	$1,917,000	2,167
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$653,000	1,831
Trading account gains and fees	$7,000	171
Additional Noninterest Income	$1,257,000	2,011
Total noninterest expense	$15,137,000	1,300
Salaries and employee benefits	$7,495,000	1,403
Premises and equipment expense	$1,514,000	1,554
Additional noninterest expense	$6,128,000	1,082
Pre-tax net operating income	$11,220,000	745
Securities gains (losses)	$16,000	2,441
Applicable income taxes	$4,394,000	545
Income before extraordinary items	$6,842,000	975
Extraordinary gains, net	$0	17
Net income	$6,842,000	974
Minority interest net income	$0	84
Net income of bank and minority interests.	$6,842,000	974
Net charge-offs	$1,166,000	791
Cash dividends	$4,500,000	665
Sale, conversion, retirement of capital stock, net	$176,000	450
Net operating income	$6,831,760	951
2014-09-30 (YTD Data)		Rank
Total interest income	$20,574,000	925
Total interest expense	$1,805,000	1,223
Net interest income	$18,769,000	882
Provision for loan and lease losses	$525,000	1,095
Total noninterest income	$1,735,000	1,917
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$486,000	1,854
Trading account gains and fees	$-8,000	6,553
Additional Noninterest Income	$1,257,000	1,660
Total noninterest expense	$11,651,000	1,284
Salaries and employee benefits	$5,740,000	1,380
Premises and equipment expense	$1,175,000	1,519
Additional noninterest expense	$4,736,000	1,037
Pre-tax net operating income	$8,328,000	759
Securities gains (losses)	$12,000	2,252
Applicable income taxes	$3,267,000	558
Income before extraordinary items	$5,073,000	985
Extraordinary gains, net	$0	15
Net income	$5,073,000	984
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,073,000	984
Net charge-offs	$884,000	741
Cash dividends	$2,500,000	782
Sale, conversion, retirement of capital stock, net	$123,000	423
Net operating income	$5,065,320	958
2014-06-30 (YTD Data)		Rank
Total interest income	$13,622,000	925
Total interest expense	$1,214,000	1,228
Net interest income	$12,408,000	879
Provision for loan and lease losses	$420,000	963
Total noninterest income	$1,252,000	1,776
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$317,000	1,863
Trading account gains and fees	$-6,000	6,622
Additional Noninterest Income	$941,000	1,514
Total noninterest expense	$8,014,000	1,252
Salaries and employee benefits	$3,920,000	1,352
Premises and equipment expense	$799,000	1,494
Additional noninterest expense	$3,295,000	985
Pre-tax net operating income	$5,226,000	779
Securities gains (losses)	$5,000	2,165
Applicable income taxes	$2,048,000	571
Income before extraordinary items	$3,183,000	1,010
Extraordinary gains, net	$0	20
Net income	$3,183,000	1,011
Minority interest net income	$0	80
Net income of bank and minority interests.	$3,183,000	1,011
Net charge-offs	$696,000	670
Cash dividends	$1,500,000	822
Sale, conversion, retirement of capital stock, net	$74,000	427
Net operating income	$3,179,800	991
2014-03-31 (YTD Data)		Rank
Total interest income	$6,863,000	924
Total interest expense	$636,000	1,185
Net interest income	$6,227,000	876
Provision for loan and lease losses	$704,000	339
Total noninterest income	$482,000	2,092
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$158,000	1,854
Trading account gains and fees	$-5,000	6,697
Additional Noninterest Income	$329,000	1,881
Total noninterest expense	$4,061,000	1,247
Salaries and employee benefits	$2,056,000	1,314
Premises and equipment expense	$452,000	1,358
Additional noninterest expense	$1,553,000	1,036
Pre-tax net operating income	$1,944,000	1,005
Securities gains (losses)	$3,000	1,458
Applicable income taxes	$760,000	689
Income before extraordinary items	$1,187,000	1,274
Extraordinary gains, net	$0	16
Net income	$1,187,000	1,275
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,187,000	1,275
Net charge-offs	$101,000	1,364
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$27,000	428
Net operating income	$1,185,080	1,247
2013-12-31 (YTD Data)		Rank
Total interest income	$27,344,000	927
Total interest expense	$2,728,000	1,239
Net interest income	$24,616,000	875
Provision for loan and lease losses	$2,653,000	490
Total noninterest income	$2,222,000	2,005
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$658,000	1,920
Trading account gains and fees	$371,000	106
Additional Noninterest Income	$1,193,000	2,147
Total noninterest expense	$15,263,000	1,305
Salaries and employee benefits	$7,114,000	1,463
Premises and equipment expense	$1,602,000	1,486
Additional noninterest expense	$6,547,000	1,032
Pre-tax net operating income	$8,922,000	865
Securities gains (losses)	$1,000	3,056
Applicable income taxes	$3,562,000	590
Income before extraordinary items	$5,361,000	1,154
Extraordinary gains, net	$0	29
Net income	$5,361,000	1,156
Minority interest net income	$0	90
Net income of bank and minority interests.	$5,361,000	1,157
Net charge-offs	$1,700,000	855
Cash dividends	$1,500,000	1,473
Sale, conversion, retirement of capital stock, net	$171,000	459
Net operating income	$5,360,360	1,128
2013-09-30 (YTD Data)		Rank
Total interest income	$20,323,000	942
Total interest expense	$2,055,000	1,274
Net interest income	$18,268,000	887
Provision for loan and lease losses	$2,729,000	365
Total noninterest income	$1,961,000	1,813
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$497,000	1,914
Trading account gains and fees	$381,000	93
Additional Noninterest Income	$1,083,000	1,933
Total noninterest expense	$11,500,000	1,299
Salaries and employee benefits	$5,415,000	1,455
Premises and equipment expense	$1,175,000	1,530
Additional noninterest expense	$4,910,000	1,034
Pre-tax net operating income	$6,000,000	970
Securities gains (losses)	$1,000	2,916
Applicable income taxes	$2,389,000	637
Income before extraordinary items	$3,612,000	1,274
Extraordinary gains, net	$0	25
Net income	$3,612,000	1,276
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,612,000	1,276
Net charge-offs	$1,651,000	695
Cash dividends	$1,500,000	1,087
Sale, conversion, retirement of capital stock, net	$156,000	386
Net operating income	$3,611,360	1,238
2013-06-30 (YTD Data)		Rank
Total interest income	$13,500,000	939
Total interest expense	$1,400,000	1,275
Net interest income	$12,100,000	881
Provision for loan and lease losses	$1,677,000	424
Total noninterest income	$955,000	2,278
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$329,000	1,898
Trading account gains and fees	$163,000	102
Additional Noninterest Income	$463,000	2,586
Total noninterest expense	$7,632,000	1,310
Salaries and employee benefits	$3,712,000	1,416
Premises and equipment expense	$777,000	1,542
Additional noninterest expense	$3,143,000	1,073
Pre-tax net operating income	$3,746,000	1,010
Securities gains (losses)	$0	2,791
Applicable income taxes	$1,524,000	658
Income before extraordinary items	$2,222,000	1,369
Extraordinary gains, net	$0	22
Net income	$2,222,000	1,370
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,222,000	1,371
Net charge-offs	$995,000	766
Cash dividends	$1,500,000	781
Sale, conversion, retirement of capital stock, net	$110,000	355
Net operating income	$2,222,000	1,305
2013-03-31 (YTD Data)		Rank
Total interest income	$6,768,000	939
Total interest expense	$714,000	1,288
Net interest income	$6,054,000	886
Provision for loan and lease losses	$532,000	661
Total noninterest income	$344,000	2,796
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$167,000	1,871
Trading account gains and fees	$-15,000	6,999
Additional Noninterest Income	$192,000	2,833
Total noninterest expense	$3,836,000	1,314
Salaries and employee benefits	$1,957,000	1,363
Premises and equipment expense	$382,000	1,590
Additional noninterest expense	$1,497,000	1,108
Pre-tax net operating income	$2,030,000	918
Securities gains (losses)	$0	1,966
Applicable income taxes	$825,000	620
Income before extraordinary items	$1,205,000	1,242
Extraordinary gains, net	$0	10
Net income	$1,205,000	1,244
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,205,000	1,244
Net charge-offs	$288,000	1,083
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$55,000	317
Net operating income	$1,205,000	1,189
2012-12-31 (YTD Data)		Rank
Total interest income	$28,086,000	933
Total interest expense	$2,879,000	1,538
Net interest income	$25,207,000	849
Provision for loan and lease losses	$1,588,000	1,274
Total noninterest income	$1,789,000	2,359
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$568,000	2,244
Trading account gains and fees	$518,000	81
Additional Noninterest Income	$703,000	2,882
Total noninterest expense	$14,570,000	1,360
Salaries and employee benefits	$6,981,000	1,463
Premises and equipment expense	$1,400,000	1,683
Additional noninterest expense	$6,189,000	1,125
Pre-tax net operating income	$10,838,000	673
Securities gains (losses)	$35,000	2,941
Applicable income taxes	$4,315,000	476
Income before extraordinary items	$6,558,000	920
Extraordinary gains, net	$0	29
Net income	$6,558,000	919
Minority interest net income	$0	93
Net income of bank and minority interests.	$6,558,000	920
Net charge-offs	$1,128,000	1,700
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$127,000	520
Net operating income	$6,535,600	854
2012-09-30 (YTD Data)		Rank
Total interest income	$21,070,000	953
Total interest expense	$2,122,000	1,642
Net interest income	$18,948,000	853
Provision for loan and lease losses	$979,000	1,458
Total noninterest income	$1,538,000	2,147
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$416,000	2,316
Trading account gains and fees	$441,000	79
Additional Noninterest Income	$681,000	2,506
Total noninterest expense	$10,664,000	1,390
Salaries and employee benefits	$5,153,000	1,476
Premises and equipment expense	$1,049,000	1,695
Additional noninterest expense	$4,462,000	1,154
Pre-tax net operating income	$8,843,000	641
Securities gains (losses)	$31,000	2,692
Applicable income taxes	$3,505,000	463
Income before extraordinary items	$5,369,000	848
Extraordinary gains, net	$0	20
Net income	$5,369,000	846
Minority interest net income	$0	86
Net income of bank and minority interests.	$5,369,000	848
Net charge-offs	$966,000	1,505
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$80,000	511
Net operating income	$5,349,160	789
2012-06-30 (YTD Data)		Rank
Total interest income	$14,027,000	968
Total interest expense	$1,373,000	1,733
Net interest income	$12,654,000	858
Provision for loan and lease losses	$287,000	2,516
Total noninterest income	$1,322,000	1,785
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$260,000	2,413
Trading account gains and fees	$459,000	73
Additional Noninterest Income	$603,000	2,102
Total noninterest expense	$7,060,000	1,397
Salaries and employee benefits	$3,440,000	1,477
Premises and equipment expense	$687,000	1,717
Additional noninterest expense	$2,933,000	1,175
Pre-tax net operating income	$6,629,000	581
Securities gains (losses)	$22,000	2,453
Applicable income taxes	$2,605,000	441
Income before extraordinary items	$4,046,000	759
Extraordinary gains, net	$0	19
Net income	$4,046,000	756
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,046,000	759
Net charge-offs	$312,000	2,273
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$59,000	468
Net operating income	$4,031,920	716
2012-03-31 (YTD Data)		Rank
Total interest income	$7,144,000	953
Total interest expense	$684,000	1,791
Net interest income	$6,460,000	846
Provision for loan and lease losses	$134,000	2,547
Total noninterest income	$742,000	1,612
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$114,000	2,654
Trading account gains and fees	$369,000	72
Additional Noninterest Income	$259,000	2,294
Total noninterest expense	$3,588,000	1,371
Salaries and employee benefits	$1,792,000	1,438
Premises and equipment expense	$352,000	1,689
Additional noninterest expense	$1,444,000	1,184
Pre-tax net operating income	$3,480,000	556
Securities gains (losses)	$-10,000	7,044
Applicable income taxes	$1,369,000	412
Income before extraordinary items	$2,101,000	722
Extraordinary gains, net	$0	19
Net income	$2,101,000	723
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,101,000	723
Net charge-offs	$8,000	4,117
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$29,000	424
Net operating income	$2,107,400	680
2011-12-31 (YTD Data)		Rank
Total interest income	$16,771,000	1,687
Total interest expense	$2,550,000	2,272
Net interest income	$14,221,000	1,566
Provision for loan and lease losses	$1,835,000	1,659
Total noninterest income	$731,000	3,690
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$195,000	4,425
Trading account gains and fees	$391,000	87
Additional Noninterest Income	$145,000	4,883
Total noninterest expense	$10,210,000	1,872
Salaries and employee benefits	$4,762,000	2,036
Premises and equipment expense	$1,012,000	2,388
Additional noninterest expense	$4,436,000	1,538
Pre-tax net operating income	$2,907,000	1,889
Securities gains (losses)	$133,000	1,814
Applicable income taxes	$1,313,000	1,096
Income before extraordinary items	$1,727,000	2,515
Extraordinary gains, net	$0	29
Net income	$1,727,000	2,515
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,727,000	2,516
Net charge-offs	$1,439,000	1,936
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$134,000	601
Net operating income	$1,641,880	2,513
2011-09-30 (YTD Data)		Rank
Total interest income	$10,557,000	2,016
Total interest expense	$1,819,000	2,459
Net interest income	$8,738,000	1,892
Provision for loan and lease losses	$1,373,000	1,597
Total noninterest income	$119,000	6,104
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$125,000	4,728
Trading account gains and fees	$253,000	93
Additional Noninterest Income	$-259,000	7,157
Total noninterest expense	$5,650,000	2,502
Salaries and employee benefits	$2,911,000	2,464
Premises and equipment expense	$523,000	3,250
Additional noninterest expense	$2,216,000	2,245
Pre-tax net operating income	$1,834,000	2,226
Securities gains (losses)	$41,000	2,444
Applicable income taxes	$731,000	1,376
Income before extraordinary items	$1,144,000	2,809
Extraordinary gains, net	$0	21
Net income	$1,144,000	2,811
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,144,000	2,811
Net charge-offs	$1,266,000	1,674
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$67,000	643
Net operating income	$1,117,760	2,751
2011-06-30 (YTD Data)		Rank
Total interest income	$6,851,000	2,069
Total interest expense	$1,214,000	2,542
Net interest income	$5,637,000	1,950
Provision for loan and lease losses	$1,027,000	1,475
Total noninterest income	$-281,000	7,375
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$77,000	4,852
Trading account gains and fees	$45,000	118
Additional Noninterest Income	$-403,000	7,357
Total noninterest expense	$3,550,000	2,661
Salaries and employee benefits	$1,911,000	2,519
Premises and equipment expense	$348,000	3,266
Additional noninterest expense	$1,291,000	2,570
Pre-tax net operating income	$779,000	2,990
Securities gains (losses)	$38,000	1,750
Applicable income taxes	$310,000	1,760
Income before extraordinary items	$507,000	3,561
Extraordinary gains, net	$0	15
Net income	$507,000	3,563
Minority interest net income	$0	89
Net income of bank and minority interests.	$507,000	3,562
Net charge-offs	$971,000	1,496
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$38,000	605
Net operating income	$482,680	3,555
2011-03-31 (YTD Data)		Rank
Total interest income	$3,383,000	2,117
Total interest expense	$607,000	2,614
Net interest income	$2,776,000	1,975
Provision for loan and lease losses	$328,000	1,834
Total noninterest income	$189,000	3,701
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$35,000	4,978
Trading account gains and fees	$3,000	144
Additional Noninterest Income	$151,000	2,890
Total noninterest expense	$1,816,000	2,617
Salaries and employee benefits	$985,000	2,463
Premises and equipment expense	$160,000	3,534
Additional noninterest expense	$671,000	2,471
Pre-tax net operating income	$821,000	1,742
Securities gains (losses)	$0	1,772
Applicable income taxes	$306,000	1,110
Income before extraordinary items	$515,000	2,202
Extraordinary gains, net	$0	9
Net income	$515,000	2,201
Minority interest net income	$0	86
Net income of bank and minority interests.	$515,000	2,202
Net charge-offs	$257,000	1,895
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$18,000	571
Net operating income	$515,000	2,158
2010-12-31 (YTD Data)		Rank
Total interest income	$12,039,000	2,487
Total interest expense	$3,265,000	2,416
Net interest income	$8,774,000	2,508
Provision for loan and lease losses	$2,142,000	1,983
Total noninterest income	$230,000	5,777
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$136,000	5,065
Trading account gains and fees	$66,000	139
Additional Noninterest Income	$28,000	6,461
Total noninterest expense	$6,990,000	2,723
Salaries and employee benefits	$2,989,000	3,131
Premises and equipment expense	$725,000	3,205
Additional noninterest expense	$3,276,000	2,123
Pre-tax net operating income	$-128,000	5,969
Securities gains (losses)	$75,000	2,394
Applicable income taxes	$-6,000	6,534
Income before extraordinary items	$-47,000	6,019
Extraordinary gains, net	$0	29
Net income	$-47,000	6,019
Minority interest net income	$0	111
Net income of bank and minority interests.	$-47,000	6,019
Net charge-offs	$1,329,000	2,312
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$84,000	827
Net operating income	$-113,750	6,012
2010-09-30 (YTD Data)		Rank
Total interest income	$8,569,000	2,679
Total interest expense	$2,571,000	2,402
Net interest income	$5,998,000	2,758
Provision for loan and lease losses	$1,949,000	1,686
Total noninterest income	$126,000	6,289
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$104,000	5,117
Trading account gains and fees	$0	165
Additional Noninterest Income	$22,000	6,606
Total noninterest expense	$5,307,000	2,702
Salaries and employee benefits	$2,250,000	3,137
Premises and equipment expense	$560,000	3,183
Additional noninterest expense	$2,497,000	2,068
Pre-tax net operating income	$-1,132,000	6,835
Securities gains (losses)	$73,000	2,191
Applicable income taxes	$-397,000	7,321
Income before extraordinary items	$-662,000	6,755
Extraordinary gains, net	$0	23
Net income	$-662,000	6,756
Minority interest net income	$0	110
Net income of bank and minority interests.	$-662,000	6,756
Net charge-offs	$1,276,000	1,935
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$52,000	812
Net operating income	$-708,720	6,730
2010-06-30 (YTD Data)		Rank
Total interest income	$5,296,000	2,896
Total interest expense	$1,709,000	2,504
Net interest income	$3,587,000	3,057
Provision for loan and lease losses	$1,119,000	1,828
Total noninterest income	$89,000	6,248
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$77,000	4,938
Trading account gains and fees	$0	152
Additional Noninterest Income	$12,000	6,755
Total noninterest expense	$3,508,000	2,727
Salaries and employee benefits	$1,457,000	3,225
Premises and equipment expense	$406,000	3,021
Additional noninterest expense	$1,645,000	2,085
Pre-tax net operating income	$-951,000	6,988
Securities gains (losses)	$0	3,184
Applicable income taxes	$-360,000	7,429
Income before extraordinary items	$-591,000	6,918
Extraordinary gains, net	$0	19
Net income	$-591,000	6,918
Minority interest net income	$0	105
Net income of bank and minority interests.	$-591,000	6,918
Net charge-offs	$848,000	1,881
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$60,000	605
Net operating income	$-591,000	6,880
2010-03-31 (YTD Data)		Rank
Total interest income	$2,499,000	3,108
Total interest expense	$875,000	2,567
Net interest income	$1,624,000	3,334
Provision for loan and lease losses	$666,000	1,525
Total noninterest income	$41,000	6,374
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$35,000	5,100
Trading account gains and fees	$0	175
Additional Noninterest Income	$6,000	6,920
Total noninterest expense	$1,524,000	3,106
Salaries and employee benefits	$749,000	3,191
Premises and equipment expense	$196,000	3,173
Additional noninterest expense	$579,000	2,795
Pre-tax net operating income	$-525,000	7,199
Securities gains (losses)	$0	2,284
Applicable income taxes	$-198,000	7,559
Income before extraordinary items	$-327,000	7,109
Extraordinary gains, net	$0	16
Net income	$-327,000	7,110
Minority interest net income	$0	91
Net income of bank and minority interests.	$-327,000	7,109
Net charge-offs	$15,000	4,608
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$33,000	521
Net operating income	$-327,000	7,068
2009-12-31 (YTD Data)		Rank
Total interest income	$10,323,000	3,156
Total interest expense	$4,834,000	2,335
Net interest income	$5,489,000	3,702
Provision for loan and lease losses	$4,807,000	1,469
Total noninterest income	$109,000	6,920
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$64,000	6,271
Trading account gains and fees	$0	211
Additional Noninterest Income	$45,000	6,476
Total noninterest expense	$6,737,000	2,887
Salaries and employee benefits	$2,858,000	3,323
Premises and equipment expense	$652,000	3,651
Additional noninterest expense	$3,227,000	2,194
Pre-tax net operating income	$-5,946,000	7,268
Securities gains (losses)	$0	3,754
Applicable income taxes	$-2,280,000	7,548
Income before extraordinary items	$-3,666,000	7,110
Extraordinary gains, net	$0	34
Net income	$-3,666,000	7,108
Minority interest net income	$0	115
Net income of bank and minority interests.	$-3,666,000	7,108
Net charge-offs	$4,876,000	1,172
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$77,000	964
Net operating income	$-3,666,000	7,106
2009-09-30 (YTD Data)		Rank
Total interest income	$7,812,000	3,181
Total interest expense	$3,665,000	2,407
Net interest income	$4,147,000	3,698
Provision for loan and lease losses	$4,216,000	1,180
Total noninterest income	$154,000	6,295
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$32,000	6,633
Trading account gains and fees	$0	212
Additional Noninterest Income	$122,000	5,097
Total noninterest expense	$5,154,000	2,830
Salaries and employee benefits	$2,131,000	3,364
Premises and equipment expense	$435,000	4,015
Additional noninterest expense	$2,588,000	2,044
Pre-tax net operating income	$-5,069,000	7,514
Securities gains (losses)	$0	3,497
Applicable income taxes	$-1,945,000	7,711
Income before extraordinary items	$-3,124,000	7,394
Extraordinary gains, net	$0	27
Net income	$-3,124,000	7,394
Minority interest net income	$0	118
Net income of bank and minority interests.	$-3,124,000	7,394
Net charge-offs	$4,109,000	958
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$51,000	916
Net operating income	$-3,124,000	7,389
2009-06-30 (YTD Data)		Rank
Total interest income	$4,785,000	3,410
Total interest expense	$2,359,000	2,576
Net interest income	$2,426,000	4,012
Provision for loan and lease losses	$2,409,000	1,254
Total noninterest income	$25,000	7,603
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$17,000	6,819
Trading account gains and fees	$0	193
Additional Noninterest Income	$8,000	7,329
Total noninterest expense	$2,324,000	3,938
Salaries and employee benefits	$1,258,000	3,750
Premises and equipment expense	$206,000	4,998
Additional noninterest expense	$860,000	3,682
Pre-tax net operating income	$-2,282,000	7,451
Securities gains (losses)	$0	3,136
Applicable income taxes	$-874,000	7,717
Income before extraordinary items	$-1,408,000	7,297
Extraordinary gains, net	$0	21
Net income	$-1,408,000	7,297
Minority interest net income	$0	112
Net income of bank and minority interests.	$-1,408,000	7,296
Net charge-offs	$430,000	2,519
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$38,000	875
Net operating income	$-1,408,000	7,300
2009-03-31 (YTD Data)		Rank
Total interest income	$2,285,000	3,579
Total interest expense	$1,152,000	2,723
Net interest income	$1,133,000	4,187
Provision for loan and lease losses	$15,000	6,043
Total noninterest income	$14,000	7,631
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$9,000	6,767
Trading account gains and fees	$0	171
Additional Noninterest Income	$5,000	7,314
Total noninterest expense	$1,070,000	4,106
Salaries and employee benefits	$599,000	3,924
Premises and equipment expense	$102,000	5,065
Additional noninterest expense	$369,000	3,811
Pre-tax net operating income	$62,000	5,471
Securities gains (losses)	$0	2,434
Applicable income taxes	$24,000	3,435
Income before extraordinary items	$38,000	5,874
Extraordinary gains, net	$0	15
Net income	$38,000	5,876
Minority interest net income	$0	102
Net income of bank and minority interests.	$38,000	5,876
Net charge-offs	$15,000	4,515
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$16,000	797
Net operating income	$38,000	5,705
2008-12-31 (YTD Data)		Rank
Total interest income	$6,506,000	4,696
Total interest expense	$3,907,000	3,570
Net interest income	$2,599,000	5,808
Provision for loan and lease losses	$2,523,000	1,554
Total noninterest income	$107,000	7,226
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$22,000	7,014
Trading account gains and fees	$0	154
Additional Noninterest Income	$85,000	6,138
Total noninterest expense	$3,701,000	4,470
Salaries and employee benefits	$1,932,000	4,576
Premises and equipment expense	$569,000	4,105
Additional noninterest expense	$1,200,000	4,289
Pre-tax net operating income	$-3,518,000	7,680
Securities gains (losses)	$0	3,220
Applicable income taxes	$-1,355,000	7,808
Income before extraordinary items	$-2,163,000	7,424
Extraordinary gains, net	$0	39
Net income	$-2,163,000	7,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,885,000	1,342
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$78,000	1,034
Net operating income	$-2,163,000	7,516
2008-09-30 (YTD Data)		Rank
Total interest income	$4,600,000	4,949
Total interest expense	$2,766,000	3,817
Net interest income	$1,834,000	6,002
Provision for loan and lease losses	$2,026,000	1,177
Total noninterest income	$92,000	7,193
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$16,000	7,073
Trading account gains and fees	$0	148
Additional Noninterest Income	$76,000	6,026
Total noninterest expense	$2,672,000	4,571
Salaries and employee benefits	$1,404,000	4,687
Premises and equipment expense	$446,000	3,971
Additional noninterest expense	$822,000	4,486
Pre-tax net operating income	$-2,772,000	7,990
Securities gains (losses)	$0	3,106
Applicable income taxes	$-1,068,000	8,066
Income before extraordinary items	$-1,704,000	7,781
Extraordinary gains, net	$0	31
Net income	$-1,704,000	7,780
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,603,000	968
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$65,000	893
Net operating income	$-1,704,000	7,863
2008-06-30 (YTD Data)		Rank
Total interest income	$2,964,000	5,112
Total interest expense	$1,782,000	4,034
Net interest income	$1,182,000	6,099
Provision for loan and lease losses	$524,000	1,863
Total noninterest income	$16,000	8,078
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$10,000	7,141
Trading account gains and fees	$0	149
Additional Noninterest Income	$6,000	7,890
Total noninterest expense	$1,689,000	4,764
Salaries and employee benefits	$907,000	4,817
Premises and equipment expense	$296,000	3,998
Additional noninterest expense	$486,000	4,821
Pre-tax net operating income	$-1,015,000	7,923
Securities gains (losses)	$0	3,233
Applicable income taxes	$-391,000	8,126
Income before extraordinary items	$-624,000	7,787
Extraordinary gains, net	$0	21
Net income	$-624,000	7,786
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$641,000	1,134
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$46,000	788
Net operating income	$-624,000	7,765
2008-03-31 (YTD Data)		Rank
Total interest income	$1,539,000	5,097
Total interest expense	$926,000	4,108
Net interest income	$613,000	6,054
Provision for loan and lease losses	$0	6,080
Total noninterest income	$9,000	8,079
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$5,000	7,144
Trading account gains and fees	$0	158
Additional Noninterest Income	$4,000	7,805
Total noninterest expense	$841,000	4,779
Salaries and employee benefits	$458,000	4,835
Premises and equipment expense	$148,000	4,024
Additional noninterest expense	$235,000	4,878
Pre-tax net operating income	$-219,000	7,795
Securities gains (losses)	$0	2,688
Applicable income taxes	$-84,000	8,102
Income before extraordinary items	$-135,000	7,730
Extraordinary gains, net	$0	15
Net income	$-135,000	7,729
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$258,000	1,082
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$21,000	686
Net operating income	$-135,000	7,692
2007-12-31 (YTD Data)		Rank
Total interest income	$5,472,000	5,479
Total interest expense	$3,137,000	4,661
Net interest income	$2,335,000	6,142
Provision for loan and lease losses	$1,324,000	1,164
Total noninterest income	$24,000	8,213
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$18,000	7,177
Trading account gains and fees	$0	178
Additional Noninterest Income	$6,000	8,155
Total noninterest expense	$3,321,000	4,692
Salaries and employee benefits	$1,750,000	4,842
Premises and equipment expense	$557,000	4,054
Additional noninterest expense	$1,014,000	4,622
Pre-tax net operating income	$-2,286,000	8,312
Securities gains (losses)	$0	2,146
Applicable income taxes	$-864,000	8,389
Income before extraordinary items	$-1,422,000	8,217
Extraordinary gains, net	$0	39
Net income	$-1,422,000	8,214
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$509,000	1,670
Cash dividends	$1,000,000	2,600
Sale, conversion, retirement of capital stock, net	$107,000	911
Net operating income	$-1,422,000	8,208
2007-09-30 (YTD Data)		Rank
Total interest income	$3,708,000	5,783
Total interest expense	$2,041,000	5,057
Net interest income	$1,667,000	6,305
Provision for loan and lease losses	$1,132,000	813
Total noninterest income	$15,000	8,297
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$14,000	7,203
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,000	8,340
Total noninterest expense	$2,386,000	4,801
Salaries and employee benefits	$1,384,000	4,619
Premises and equipment expense	$311,000	4,903
Additional noninterest expense	$691,000	4,835
Pre-tax net operating income	$-1,836,000	8,429
Securities gains (losses)	$0	1,655
Applicable income taxes	$-700,000	8,475
Income before extraordinary items	$-1,136,000	8,355
Extraordinary gains, net	$0	33
Net income	$-1,136,000	8,353
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$256,000	1,667
Cash dividends	$1,000,000	1,979
Sale, conversion, retirement of capital stock, net	$76,000	815
Net operating income	$-1,136,000	8,348
2007-06-30 (YTD Data)		Rank
Total interest income	$2,174,000	6,109
Total interest expense	$1,157,000	5,488
Net interest income	$1,017,000	6,545
Provision for loan and lease losses	$276,000	1,660
Total noninterest income	$11,000	8,348
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$10,000	7,225
Trading account gains and fees	$0	168
Additional Noninterest Income	$1,000	8,368
Total noninterest expense	$1,474,000	5,067
Salaries and employee benefits	$947,000	4,590
Premises and equipment expense	$192,000	5,156
Additional noninterest expense	$335,000	5,808
Pre-tax net operating income	$-722,000	8,382
Securities gains (losses)	$0	1,444
Applicable income taxes	$-275,000	8,494
Income before extraordinary items	$-447,000	8,300
Extraordinary gains, net	$0	29
Net income	$-447,000	8,299
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,902
Cash dividends	$1,000,000	1,504
Sale, conversion, retirement of capital stock, net	$53,000	724
Net operating income	$-447,000	8,293
2007-03-31 (YTD Data)		Rank
Total interest income	$974,000	6,372
Total interest expense	$492,000	5,902
Net interest income	$482,000	6,689
Provision for loan and lease losses	$98,000	2,076
Total noninterest income	$5,000	8,391
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$5,000	7,254
Trading account gains and fees	$0	195
Additional Noninterest Income	$0	8,433
Total noninterest expense	$738,000	5,067
Salaries and employee benefits	$485,000	4,541
Premises and equipment expense	$93,000	5,263
Additional noninterest expense	$160,000	5,927
Pre-tax net operating income	$-349,000	8,444
Securities gains (losses)	$0	1,187
Applicable income taxes	$-132,000	8,532
Income before extraordinary items	$-217,000	8,347
Extraordinary gains, net	$0	22
Net income	$-217,000	8,345
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$1,000,000	781
Sale, conversion, retirement of capital stock, net	$33,000	568
Net operating income	$-217,000	8,338
2006-12-31 (YTD Data)		Rank
Total interest income	$15,904,000	2,434
Total interest expense	$6,910,000	2,309
Net interest income	$8,994,000	2,511
Provision for loan and lease losses	$-571,000	8,609
Total noninterest income	$595,000	4,753
Gross Fiduciary activities income	$110,000	920
Service charges on deposit accounts	$156,000	5,454
Trading account gains and fees	$0	130
Additional Noninterest Income	$329,000	4,122
Total noninterest expense	$4,902,000	3,404
Salaries and employee benefits	$2,334,000	3,811
Premises and equipment expense	$603,000	3,753
Additional noninterest expense	$1,965,000	2,605
Pre-tax net operating income	$5,258,000	1,803
Securities gains (losses)	$14,000	999
Applicable income taxes	$1,877,000	1,399
Income before extraordinary items	$3,395,000	2,068
Extraordinary gains, net	$0	51
Net income	$3,395,000	2,069
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-300,000	8,619
Cash dividends	$2,025,000	1,514
Sale, conversion, retirement of capital stock, net	$27,000	1,076
Net operating income	$3,386,040	2,056
2006-09-30 (YTD Data)		Rank
Total interest income	$12,074,000	2,399
Total interest expense	$5,187,000	2,246
Net interest income	$6,887,000	2,494
Provision for loan and lease losses	$-600,000	8,684
Total noninterest income	$516,000	4,398
Gross Fiduciary activities income	$102,000	871
Service charges on deposit accounts	$144,000	5,125
Trading account gains and fees	$0	126
Additional Noninterest Income	$270,000	3,951
Total noninterest expense	$3,419,000	3,603
Salaries and employee benefits	$1,548,000	4,153
Premises and equipment expense	$554,000	3,201
Additional noninterest expense	$1,317,000	2,871
Pre-tax net operating income	$4,584,000	1,620
Securities gains (losses)	$6,000	998
Applicable income taxes	$1,649,000	1,297
Income before extraordinary items	$2,941,000	1,866
Extraordinary gains, net	$0	45
Net income	$2,941,000	1,868
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-300,000	8,670
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,937,160	1,848
2006-06-30 (YTD Data)		Rank
Total interest income	$2,978,000	4,977
Total interest expense	$1,280,000	4,517
Net interest income	$1,698,000	5,225
Provision for loan and lease losses	$0	6,419
Total noninterest income	$179,000	5,864
Gross Fiduciary activities income	$42,000	973
Service charges on deposit accounts	$37,000	6,640
Trading account gains and fees	$0	126
Additional Noninterest Income	$100,000	5,133
Total noninterest expense	$900,000	6,472
Salaries and employee benefits	$449,000	6,687
Premises and equipment expense	$158,000	5,646
Additional noninterest expense	$293,000	6,143
Pre-tax net operating income	$977,000	3,847
Securities gains (losses)	$16,000	650
Applicable income taxes	$354,000	2,809
Income before extraordinary items	$639,000	4,289
Extraordinary gains, net	$0	39
Net income	$639,000	4,293
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$628,760	4,320
2006-03-31 (YTD Data)		Rank
Total interest income	$8,751,000	1,069
Total interest expense	$3,543,000	1,019
Net interest income	$5,208,000	1,082
Provision for loan and lease losses	$72,000	2,600
Total noninterest income	$468,000	2,282
Gross Fiduciary activities income	$231,000	436
Service charges on deposit accounts	$120,000	3,078
Trading account gains and fees	$0	115
Additional Noninterest Income	$117,000	3,425
Total noninterest expense	$2,532,000	1,760
Salaries and employee benefits	$1,446,000	1,709
Premises and equipment expense	$392,000	1,650
Additional noninterest expense	$694,000	1,886
Pre-tax net operating income	$3,072,000	831
Securities gains (losses)	$-1,000	7,892
Applicable income taxes	$1,055,000	756
Income before extraordinary items	$2,016,000	947
Extraordinary gains, net	$0	21
Net income	$2,016,000	946
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	3,757
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$2,016,660	927
2005-12-31 (YTD Data)		Rank
Total interest income	$31,261,000	1,053
Total interest expense	$11,344,000	984
Net interest income	$19,917,000	1,084
Provision for loan and lease losses	$864,000	1,184
Total noninterest income	$1,768,000	2,411
Gross Fiduciary activities income	$788,000	455
Service charges on deposit accounts	$505,000	3,034
Trading account gains and fees	$0	138
Additional Noninterest Income	$475,000	3,462
Total noninterest expense	$9,115,000	1,857
Salaries and employee benefits	$5,636,000	1,665
Premises and equipment expense	$1,403,000	1,731
Additional noninterest expense	$2,076,000	2,402
Pre-tax net operating income	$11,706,000	838
Securities gains (losses)	$62,000	859
Applicable income taxes	$3,997,000	770
Income before extraordinary items	$7,771,000	926
Extraordinary gains, net	$0	46
Net income	$7,771,000	926
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$267,000	1,888
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$7,730,080	914
2005-09-30 (YTD Data)		Rank
Total interest income	$22,646,000	1,058
Total interest expense	$8,156,000	969
Net interest income	$14,490,000	1,111
Provision for loan and lease losses	$648,000	1,141
Total noninterest income	$1,308,000	2,428
Gross Fiduciary activities income	$563,000	459
Service charges on deposit accounts	$388,000	2,985
Trading account gains and fees	$0	126
Additional Noninterest Income	$357,000	3,491
Total noninterest expense	$6,521,000	1,920
Salaries and employee benefits	$4,040,000	1,714
Premises and equipment expense	$1,009,000	1,790
Additional noninterest expense	$1,472,000	2,498
Pre-tax net operating income	$8,629,000	855
Securities gains (losses)	$36,000	995
Applicable income taxes	$2,930,000	796
Income before extraordinary items	$5,735,000	941
Extraordinary gains, net	$0	35
Net income	$5,735,000	942
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$268,000	1,366
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$5,711,240	926
2005-06-30 (YTD Data)		Rank
Total interest income	$14,411,000	1,077
Total interest expense	$5,107,000	957
Net interest income	$9,304,000	1,137
Provision for loan and lease losses	$432,000	1,117
Total noninterest income	$874,000	2,399
Gross Fiduciary activities income	$371,000	462
Service charges on deposit accounts	$266,000	2,873
Trading account gains and fees	$0	116
Additional Noninterest Income	$237,000	3,461
Total noninterest expense	$4,293,000	1,930
Salaries and employee benefits	$2,684,000	1,716
Premises and equipment expense	$661,000	1,804
Additional noninterest expense	$948,000	2,565
Pre-tax net operating income	$5,453,000	879
Securities gains (losses)	$33,000	930
Applicable income taxes	$1,835,000	818
Income before extraordinary items	$3,651,000	952
Extraordinary gains, net	$0	30
Net income	$3,651,000	953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	3,414
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$3,628,890	935
2005-03-31 (YTD Data)		Rank
Total interest income	$6,916,000	1,094
Total interest expense	$2,354,000	995
Net interest income	$4,562,000	1,150
Provision for loan and lease losses	$216,000	1,070
Total noninterest income	$431,000	2,377
Gross Fiduciary activities income	$182,000	481
Service charges on deposit accounts	$128,000	2,879
Trading account gains and fees	$0	115
Additional Noninterest Income	$121,000	3,380
Total noninterest expense	$2,208,000	1,879
Salaries and employee benefits	$1,346,000	1,714
Premises and equipment expense	$361,000	1,673
Additional noninterest expense	$501,000	2,435
Pre-tax net operating income	$2,569,000	912
Securities gains (losses)	$11,000	981
Applicable income taxes	$858,000	856
Income before extraordinary items	$1,722,000	1,011
Extraordinary gains, net	$0	24
Net income	$1,722,000	1,011
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$39,000	1,939
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$1,714,630	990
2004-12-31 (YTD Data)		Rank
Total interest income	$23,646,000	1,194
Total interest expense	$8,003,000	1,015
Net interest income	$15,643,000	1,289
Provision for loan and lease losses	$729,000	1,406
Total noninterest income	$1,730,000	2,435
Gross Fiduciary activities income	$658,000	477
Service charges on deposit accounts	$596,000	2,717
Trading account gains and fees	$0	138
Additional Noninterest Income	$476,000	3,404
Total noninterest expense	$8,976,000	1,800
Salaries and employee benefits	$5,353,000	1,645
Premises and equipment expense	$1,449,000	1,604
Additional noninterest expense	$2,174,000	2,239
Pre-tax net operating income	$7,668,000	1,144
Securities gains (losses)	$167,000	923
Applicable income taxes	$2,527,000	1,043
Income before extraordinary items	$5,308,000	1,229
Extraordinary gains, net	$0	34
Net income	$5,308,000	1,230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,000	3,364
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$5,194,440	1,219
2004-09-30 (YTD Data)		Rank
Total interest income	$17,087,000	1,222
Total interest expense	$5,767,000	1,032
Net interest income	$11,320,000	1,328
Provision for loan and lease losses	$594,000	1,248
Total noninterest income	$1,294,000	2,449
Gross Fiduciary activities income	$486,000	482
Service charges on deposit accounts	$449,000	2,728
Trading account gains and fees	$0	134
Additional Noninterest Income	$359,000	3,391
Total noninterest expense	$6,662,000	1,814
Salaries and employee benefits	$3,841,000	1,717
Premises and equipment expense	$1,102,000	1,587
Additional noninterest expense	$1,719,000	2,104
Pre-tax net operating income	$5,358,000	1,226
Securities gains (losses)	$157,000	912
Applicable income taxes	$1,817,000	1,105
Income before extraordinary items	$3,698,000	1,334
Extraordinary gains, net	$0	26
Net income	$3,698,000	1,335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	5,418
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$3,592,810	1,320
2004-06-30 (YTD Data)		Rank
Total interest income	$10,988,000	1,255
Total interest expense	$3,713,000	1,053
Net interest income	$7,275,000	1,356
Provision for loan and lease losses	$432,000	1,145
Total noninterest income	$851,000	2,484
Gross Fiduciary activities income	$320,000	486
Service charges on deposit accounts	$295,000	2,746
Trading account gains and fees	$0	130
Additional Noninterest Income	$236,000	3,426
Total noninterest expense	$4,371,000	1,828
Salaries and employee benefits	$2,544,000	1,728
Premises and equipment expense	$730,000	1,585
Additional noninterest expense	$1,097,000	2,209
Pre-tax net operating income	$3,323,000	1,279
Securities gains (losses)	$150,000	787
Applicable income taxes	$1,090,000	1,194
Income before extraordinary items	$2,383,000	1,358
Extraordinary gains, net	$0	21
Net income	$2,383,000	1,359
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	4,586
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$2,279,500	1,366
2004-03-31 (YTD Data)		Rank
Total interest income	$5,351,000	1,296
Total interest expense	$1,815,000	1,099
Net interest income	$3,536,000	1,396
Provision for loan and lease losses	$216,000	1,089
Total noninterest income	$413,000	2,486
Gross Fiduciary activities income	$155,000	505
Service charges on deposit accounts	$137,000	2,859
Trading account gains and fees	$0	121
Additional Noninterest Income	$121,000	3,332
Total noninterest expense	$2,178,000	1,842
Salaries and employee benefits	$1,267,000	1,750
Premises and equipment expense	$371,000	1,579
Additional noninterest expense	$540,000	2,200
Pre-tax net operating income	$1,555,000	1,353
Securities gains (losses)	$57,000	1,119
Applicable income taxes	$450,000	1,410
Income before extraordinary items	$1,162,000	1,378
Extraordinary gains, net	$0	16
Net income	$1,162,000	1,378
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	3,279
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$1,120,960	1,357
2003-12-31 (YTD Data)		Rank
Total interest income	$21,673,000	1,299
Total interest expense	$7,452,000	1,196
Net interest income	$14,221,000	1,380
Provision for loan and lease losses	$1,410,000	863
Total noninterest income	$1,605,000	2,703
Gross Fiduciary activities income	$588,000	508
Service charges on deposit accounts	$542,000	2,915
Trading account gains and fees	$0	160
Additional Noninterest Income	$475,000	3,668
Total noninterest expense	$8,605,000	1,847
Salaries and employee benefits	$5,210,000	1,651
Premises and equipment expense	$1,544,000	1,471
Additional noninterest expense	$1,851,000	2,565
Pre-tax net operating income	$5,811,000	1,422
Securities gains (losses)	$45,000	2,612
Applicable income taxes	$1,795,000	1,389
Income before extraordinary items	$4,061,000	1,542
Extraordinary gains, net	$0	54
Net income	$4,061,000	1,543
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$485,000	1,643
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$2,100,000	331
Net operating income	$4,029,950	1,485
2003-09-30 (YTD Data)		Rank
Total interest income	$16,113,000	1,344
Total interest expense	$5,553,000	1,254
Net interest income	$10,560,000	1,399
Provision for loan and lease losses	$1,035,000	874
Total noninterest income	$1,179,000	2,823
Gross Fiduciary activities income	$419,000	535
Service charges on deposit accounts	$399,000	2,953
Trading account gains and fees	$0	153
Additional Noninterest Income	$361,000	3,725
Total noninterest expense	$6,623,000	1,797
Salaries and employee benefits	$3,698,000	1,751
Premises and equipment expense	$1,241,000	1,386
Additional noninterest expense	$1,684,000	2,138
Pre-tax net operating income	$4,081,000	1,554
Securities gains (losses)	$44,000	2,422
Applicable income taxes	$1,331,000	1,469
Income before extraordinary items	$2,794,000	1,725
Extraordinary gains, net	$0	40
Net income	$2,794,000	1,726
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$316,000	1,657
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$2,100,000	232
Net operating income	$2,764,080	1,641
2003-06-30 (YTD Data)		Rank
Total interest income	$10,401,000	1,407
Total interest expense	$3,680,000	1,299
Net interest income	$6,721,000	1,455
Provision for loan and lease losses	$650,000	922
Total noninterest income	$769,000	2,837
Gross Fiduciary activities income	$263,000	557
Service charges on deposit accounts	$258,000	2,987
Trading account gains and fees	$0	150
Additional Noninterest Income	$248,000	3,642
Total noninterest expense	$4,294,000	1,843
Salaries and employee benefits	$2,372,000	1,813
Premises and equipment expense	$828,000	1,388
Additional noninterest expense	$1,094,000	2,176
Pre-tax net operating income	$2,546,000	1,646
Securities gains (losses)	$44,000	2,102
Applicable income taxes	$809,000	1,602
Income before extraordinary items	$1,781,000	1,806
Extraordinary gains, net	$0	30
Net income	$1,781,000	1,806
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$319,000	1,190
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$1,600,000	172
Net operating income	$1,750,640	1,716
2003-03-31 (YTD Data)		Rank
Total interest income	$5,061,000	1,463
Total interest expense	$1,827,000	1,338
Net interest income	$3,234,000	1,500
Provision for loan and lease losses	$300,000	910
Total noninterest income	$387,000	2,739
Gross Fiduciary activities income	$125,000	579
Service charges on deposit accounts	$120,000	3,077
Trading account gains and fees	$0	134
Additional Noninterest Income	$142,000	3,320
Total noninterest expense	$2,112,000	1,856
Salaries and employee benefits	$1,142,000	1,867
Premises and equipment expense	$421,000	1,373
Additional noninterest expense	$549,000	2,142
Pre-tax net operating income	$1,209,000	1,740
Securities gains (losses)	$3,000	2,514
Applicable income taxes	$359,000	1,778
Income before extraordinary items	$853,000	1,851
Extraordinary gains, net	$0	21
Net income	$853,000	1,850
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$300,000	699
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$600,000	127
Net operating income	$850,900	1,743
2002-12-31 (YTD Data)		Rank
Total interest income	$19,989,000	1,543
Total interest expense	$7,707,000	1,465
Net interest income	$12,282,000	1,576
Provision for loan and lease losses	$990,000	1,368
Total noninterest income	$1,437,000	2,699
Gross Fiduciary activities income	$511,000	562
Service charges on deposit accounts	$532,000	2,833
Trading account gains and fees	$0	153
Additional Noninterest Income	$394,000	3,735
Total noninterest expense	$8,252,000	1,835
Salaries and employee benefits	$4,619,000	1,733
Premises and equipment expense	$1,550,000	1,424
Additional noninterest expense	$2,083,000	2,218
Pre-tax net operating income	$4,477,000	1,807
Securities gains (losses)	$86,000	1,881
Applicable income taxes	$1,348,000	1,805
Income before extraordinary items	$3,215,000	1,858
Extraordinary gains, net	$0	70
Net income	$3,215,000	1,857
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,453,000	694
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$400,000	497
Net operating income	$3,154,800	1,843
2001-12-31 (YTD Data)		Rank
Total interest income	$20,338,000	1,673
Total interest expense	$11,738,000	1,382
Net interest income	$8,600,000	2,078
Provision for loan and lease losses	$1,605,000	846
Total noninterest income	$1,329,000	2,737
Gross Fiduciary activities income	$469,000	616
Service charges on deposit accounts	$528,000	2,716
Trading account gains and fees	$0	177
Additional Noninterest Income	$332,000	3,898
Total noninterest expense	$7,196,000	1,995
Salaries and employee benefits	$3,997,000	1,878
Premises and equipment expense	$1,377,000	1,563
Additional noninterest expense	$1,822,000	2,441
Pre-tax net operating income	$1,128,000	4,585
Securities gains (losses)	$723,000	491
Applicable income taxes	$239,000	4,684
Income before extraordinary items	$1,612,000	3,053
Extraordinary gains, net	$0	105
Net income	$1,612,000	3,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$571,000	1,415
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$1,400,000	357
Net operating income	$982,990	4,214
2000-12-31 (YTD Data)		Rank
Total interest income	$19,136,000	1,817
Total interest expense	$11,063,000	1,550
Net interest income	$8,073,000	2,199
Provision for loan and lease losses	$590,000	1,652
Total noninterest income	$1,134,000	2,886
Gross Fiduciary activities income	$412,000	658
Service charges on deposit accounts	$445,000	2,991
Trading account gains and fees	$0	180
Additional Noninterest Income	$277,000	4,085
Total noninterest expense	$6,212,000	2,213
Salaries and employee benefits	$3,422,000	2,085
Premises and equipment expense	$1,052,000	1,972
Additional noninterest expense	$1,738,000	2,467
Pre-tax net operating income	$2,405,000	2,847
Securities gains (losses)	$3,000	1,519
Applicable income taxes	$484,000	3,556
Income before extraordinary items	$1,924,000	2,657
Extraordinary gains, net	$0	38
Net income	$1,924,000	2,656
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$363,000	1,588
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$2,950,000	303
Net operating income	$1,921,600	2,654
1999-12-31 (YTD Data)		Rank
Total interest income	$14,743,000	2,217
Total interest expense	$7,463,000	2,001
Net interest income	$7,280,000	2,421
Provision for loan and lease losses	$360,000	2,275
Total noninterest income	$893,000	3,360
Gross Fiduciary activities income	$232,000	828
Service charges on deposit accounts	$422,000	3,077
Trading account gains and fees	$0	173
Additional Noninterest Income	$239,000	4,537
Total noninterest expense	$5,381,000	2,513
Salaries and employee benefits	$2,687,000	2,625
Premises and equipment expense	$834,000	2,430
Additional noninterest expense	$1,860,000	2,349
Pre-tax net operating income	$2,432,000	2,856
Securities gains (losses)	$0	3,155
Applicable income taxes	$562,000	3,365
Income before extraordinary items	$1,870,000	2,730
Extraordinary gains, net	$0	35
Net income	$1,870,000	2,730
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	4,165
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$1,750,000	448
Net operating income	$1,870,000	2,697
1998-12-31 (YTD Data)		Rank
Total interest income	$11,812,000	2,744
Total interest expense	$6,124,000	2,481
Net interest income	$5,688,000	3,028
Provision for loan and lease losses	$195,000	3,570
Total noninterest income	$842,000	3,482
Gross Fiduciary activities income	$155,000	917
Service charges on deposit accounts	$364,000	3,399
Trading account gains and fees	$0	224
Additional Noninterest Income	$323,000	3,863
Total noninterest expense	$4,538,000	2,859
Salaries and employee benefits	$2,233,000	3,010
Premises and equipment expense	$794,000	2,469
Additional noninterest expense	$1,511,000	2,751
Pre-tax net operating income	$1,797,000	3,634
Securities gains (losses)	$98,000	1,283
Applicable income taxes	$315,000	5,044
Income before extraordinary items	$1,580,000	3,121
Extraordinary gains, net	$0	32
Net income	$1,580,000	3,122
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,129
Cash dividends	$278,000	4,776
Sale, conversion, retirement of capital stock, net	$1,000,000	463
Net operating income	$1,498,660	3,176
1997-12-31 (YTD Data)		Rank
Total interest income	$10,070,000	3,212
Total interest expense	$5,214,000	2,868
Net interest income	$4,856,000	3,585
Provision for loan and lease losses	$410,000	2,057
Total noninterest income	$639,000	4,251
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$351,000	3,604
Trading account gains and fees	NA	NA
Additional Noninterest Income	$288,000	4,024
Total noninterest expense	$3,594,000	3,518
Salaries and employee benefits	$1,807,000	3,626
Premises and equipment expense	$559,000	3,370
Additional noninterest expense	$1,228,000	3,295
Pre-tax net operating income	$1,491,000	4,512
Securities gains (losses)	$-12,000	10,127
Applicable income taxes	$296,000	5,759
Income before extraordinary items	$1,183,000	4,108
Extraordinary gains, net	$0	44
Net income	$1,183,000	4,108
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$157,000	2,947
Cash dividends	$150,000	5,875
Sale, conversion, retirement of capital stock, net	$1,300,000	426
Net operating income	$1,192,600	4,015
1996-12-31 (YTD Data)		Rank
Total interest income	$7,153,000	4,488
Total interest expense	$3,194,000	4,519
Net interest income	$3,959,000	4,364
Provision for loan and lease losses	$275,000	2,762
Total noninterest income	$548,000	4,853
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$339,000	3,858
Trading account gains and fees	NA	NA
Additional Noninterest Income	$209,000	5,043
Total noninterest expense	$2,886,000	4,425
Salaries and employee benefits	$1,363,000	4,681
Premises and equipment expense	$434,000	4,251
Additional noninterest expense	$1,089,000	4,094
Pre-tax net operating income	$1,346,000	4,725
Securities gains (losses)	$-18,000	10,586
Applicable income taxes	$293,000	5,912
Income before extraordinary items	$1,035,000	4,355
Extraordinary gains, net	$0	53
Net income	$1,035,000	4,356
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	2,906
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,049,040	4,256
1995-12-31 (YTD Data)		Rank
Total interest income	$5,883,000	5,282
Total interest expense	$2,630,000	5,342
Net interest income	$3,253,000	5,165
Provision for loan and lease losses	$168,000	3,414
Total noninterest income	$402,000	5,973
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$246,000	5,008
Trading account gains and fees	NA	NA
Additional Noninterest Income	$156,000	5,872
Total noninterest expense	$2,614,000	4,807
Salaries and employee benefits	$1,141,000	5,442
Premises and equipment expense	$393,000	4,613
Additional noninterest expense	$1,080,000	4,090
Pre-tax net operating income	$873,000	6,547
Securities gains (losses)	$0	3,831
Applicable income taxes	$166,000	7,998
Income before extraordinary items	$707,000	5,944
Extraordinary gains, net	$0	65
Net income	$707,000	5,943
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$143,000	3,068
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$707,000	5,927
1994-12-31 (YTD Data)		Rank
Total interest income	$4,702,000	5,954
Total interest expense	$1,506,000	6,872
Net interest income	$3,196,000	5,328
Provision for loan and lease losses	$204,000	2,977
Total noninterest income	$428,000	5,881
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$265,000	4,825
Trading account gains and fees	NA	NA
Additional Noninterest Income	$163,000	5,950
Total noninterest expense	$2,505,000	5,148
Salaries and employee benefits	$1,018,000	6,004
Premises and equipment expense	$408,000	4,514
Additional noninterest expense	$1,079,000	4,416
Pre-tax net operating income	$915,000	6,323
Securities gains (losses)	$-66,000	11,252
Applicable income taxes	$145,000	8,410
Income before extraordinary items	$704,000	5,878
Extraordinary gains, net	$0	249
Net income	$704,000	5,896
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$172,000	2,751
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$758,780	5,639
1993-12-31 (YTD Data)		Rank
Total interest income	$3,837,000	7,072
Total interest expense	$1,197,000	8,260
Net interest income	$2,640,000	6,274
Provision for loan and lease losses	$181,000	4,118
Total noninterest income	$415,000	6,326
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$300,000	4,426
Trading account gains and fees	NA	NA
Additional Noninterest Income	$115,000	7,444
Total noninterest expense	$2,237,000	5,782
Salaries and employee benefits	$941,000	6,469
Premises and equipment expense	$390,000	4,813
Additional noninterest expense	$906,000	5,337
Pre-tax net operating income	$637,000	7,706
Securities gains (losses)	$31,000	4,064
Applicable income taxes	$95,000	9,865
Income before extraordinary items	$573,000	6,988
Extraordinary gains, net	$0	3,149
Net income	$573,000	7,158
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$111,000	4,326
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$546,340	6,927
1992-12-31 (YTD Data)		Rank
Total interest income	$3,534,000	8,134
Total interest expense	$1,250,000	9,420
Net interest income	$2,284,000	7,043
Provision for loan and lease losses	$296,000	4,189
Total noninterest income	$371,000	6,823
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$284,000	4,647
Trading account gains and fees	NA	NA
Additional Noninterest Income	$87,000	8,558
Total noninterest expense	$2,046,000	6,261
Salaries and employee benefits	$848,000	6,944
Premises and equipment expense	$197,000	7,902
Additional noninterest expense	$1,001,000	5,045
Pre-tax net operating income	$313,000	10,005
Securities gains (losses)	$87,000	3,239
Applicable income taxes	$35,000	11,656
Income before extraordinary items	$365,000	8,552
Extraordinary gains, net	$0	1,422
Net income	$365,000	8,679
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$244,000	3,766
Cash dividends	$55,000	7,563
Sale, conversion, retirement of capital stock, net	$36,000	967
Net operating income	$285,830	9,101

* 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.