Home > Surrey Bank & Trust > Income and Expense

Surrey Bank & Trust, Income and Expense

2023-03-31 (YTD Data)		Rank
Total interest income	$5,735,000	1,642
Total interest expense	$235,000	3,405
Net interest income	$5,500,000	1,348
Provision for loan and lease losses	$262,000	752
Total noninterest income	$540,000	1,865
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$189,000	1,239
Trading account gains and fees	NA	NA
Additional Noninterest Income	$351,000	1,865
Total noninterest expense	$2,469,000	2,084
Salaries and employee benefits	$1,181,000	2,306
Premises and equipment expense	$200,000	2,347
Additional noninterest expense	$351,000	1,865
Pre-tax net operating income	$3,309,000	1,002
Securities gains (losses)	$0	950
Applicable income taxes	$941,000	699
Income before extraordinary items	$2,368,000	1,120
Extraordinary gains, net	$0	4
Net income	$2,368,000	1,119
Minority interest net income	$0	48
Net income of bank and minority interests.	$2,368,000	1,119
Net charge-offs	$32,000	951
Cash dividends	$906,000	881
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$2,368,000	1,139
2022-12-31 (YTD Data)		Rank
Total interest income	$16,932,000	1,780
Total interest expense	$459,000	3,325
Net interest income	$16,473,000	1,669
Provision for loan and lease losses	$-1,274,000	4,629
Total noninterest income	$2,226,000	1,932
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$768,000	1,252
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,458,000	1,929
Total noninterest expense	$9,359,000	2,094
Salaries and employee benefits	$5,155,000	2,134
Premises and equipment expense	$948,000	2,070
Additional noninterest expense	$1,458,000	1,929
Pre-tax net operating income	$10,614,000	1,231
Securities gains (losses)	$-151,000	4,026
Applicable income taxes	$2,370,000	965
Income before extraordinary items	$8,093,000	1,300
Extraordinary gains, net	$0	5
Net income	$8,093,000	1,300
Minority interest net income	$0	63
Net income of bank and minority interests.	$8,093,000	1,300
Net charge-offs	$-178,000	4,413
Cash dividends	$2,487,000	1,304
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$8,212,290	1,299
2022-09-30 (YTD Data)		Rank
Total interest income	$11,341,000	1,885
Total interest expense	$287,000	3,353
Net interest income	$11,054,000	1,790
Provision for loan and lease losses	$-1,115,000	4,662
Total noninterest income	$1,675,000	1,956
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$575,000	1,264
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,100,000	1,955
Total noninterest expense	$6,902,000	2,109
Salaries and employee benefits	$3,698,000	2,199
Premises and equipment expense	$703,000	2,102
Additional noninterest expense	$1,100,000	1,955
Pre-tax net operating income	$6,942,000	1,334
Securities gains (losses)	$-151,000	4,302
Applicable income taxes	$1,538,000	1,048
Income before extraordinary items	$5,253,000	1,427
Extraordinary gains, net	$0	4
Net income	$5,253,000	1,426
Minority interest net income	$0	57
Net income of bank and minority interests.	$5,253,000	1,427
Net charge-offs	$-174,000	4,440
Cash dividends	$1,379,000	1,419
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$5,372,290	1,441
2022-06-30 (YTD Data)		Rank
Total interest income	$6,831,000	1,991
Total interest expense	$174,000	3,374
Net interest income	$6,657,000	1,887
Provision for loan and lease losses	$-1,078,000	4,673
Total noninterest income	$1,105,000	1,956
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$370,000	1,272
Trading account gains and fees	NA	NA
Additional Noninterest Income	$735,000	2,006
Total noninterest expense	$4,659,000	2,084
Salaries and employee benefits	$2,433,000	2,216
Premises and equipment expense	$474,000	2,079
Additional noninterest expense	$1,752,000	1,774
Pre-tax net operating income	$4,181,000	1,367
Securities gains (losses)	$-151,000	4,424
Applicable income taxes	$911,000	1,079
Income before extraordinary items	$3,119,000	1,487
Extraordinary gains, net	$0	4
Net income	$3,119,000	1,486
Minority interest net income	$0	60
Net income of bank and minority interests.	$3,119,000	1,487
Net charge-offs	$-351,000	4,650
Cash dividends	$916,000	1,417
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$3,238,290	1,481
2022-03-31 (YTD Data)		Rank
Total interest income	$3,360,000	1,954
Total interest expense	$88,000	3,347
Net interest income	$3,272,000	1,871
Provision for loan and lease losses	$-663,000	4,658
Total noninterest income	$520,000	2,028
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$176,000	1,309
Trading account gains and fees	NA	NA
Additional Noninterest Income	$344,000	2,045
Total noninterest expense	$2,314,000	2,082
Salaries and employee benefits	$1,230,000	2,198
Premises and equipment expense	$222,000	2,194
Additional noninterest expense	$862,000	1,775
Pre-tax net operating income	$2,141,000	1,293
Securities gains (losses)	$-151,000	4,574
Applicable income taxes	$450,000	1,039
Income before extraordinary items	$1,540,000	1,427
Extraordinary gains, net	$0	4
Net income	$1,540,000	1,427
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,540,000	1,427
Net charge-offs	$-322,000	4,714
Cash dividends	$441,000	1,261
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,659,290	1,374
2021-12-31 (YTD Data)		Rank
Total interest income	$13,246,000	2,053
Total interest expense	$473,000	3,244
Net interest income	$12,773,000	1,956
Provision for loan and lease losses	$387,000	1,233
Total noninterest income	$2,926,000	1,828
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$514,000	1,576
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,412,000	1,722
Total noninterest expense	$8,630,000	2,178
Salaries and employee benefits	$4,780,000	2,217
Premises and equipment expense	$896,000	2,170
Additional noninterest expense	$2,954,000	2,010
Pre-tax net operating income	$6,682,000	1,690
Securities gains (losses)	$0	2,062
Applicable income taxes	$1,492,000	1,322
Income before extraordinary items	$5,190,000	1,845
Extraordinary gains, net	$0	10
Net income	$5,190,000	1,845
Minority interest net income	$0	74
Net income of bank and minority interests.	$5,190,000	1,846
Net charge-offs	$1,000	2,638
Cash dividends	$2,307,000	1,396
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$5,190,000	1,809
2021-09-30 (YTD Data)		Rank
Total interest income	$9,913,000	2,081
Total interest expense	$378,000	3,255
Net interest income	$9,535,000	1,986
Provision for loan and lease losses	$326,000	1,105
Total noninterest income	$2,443,000	1,762
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$417,000	1,478
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,026,000	1,655
Total noninterest expense	$6,507,000	2,178
Salaries and employee benefits	$3,617,000	2,222
Premises and equipment expense	$679,000	2,185
Additional noninterest expense	$2,211,000	2,003
Pre-tax net operating income	$5,145,000	1,718
Securities gains (losses)	$0	2,015
Applicable income taxes	$1,147,000	1,359
Income before extraordinary items	$3,998,000	1,881
Extraordinary gains, net	$0	8
Net income	$3,998,000	1,880
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,998,000	1,881
Net charge-offs	$9,000	2,006
Cash dividends	$1,356,000	1,479
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$3,998,000	1,851
2021-06-30 (YTD Data)		Rank
Total interest income	$6,936,000	2,009
Total interest expense	$272,000	3,230
Net interest income	$6,664,000	1,902
Provision for loan and lease losses	$118,000	1,605
Total noninterest income	$1,907,000	1,569
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$271,000	1,457
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,636,000	1,440
Total noninterest expense	$4,403,000	2,157
Salaries and employee benefits	$2,487,000	2,185
Premises and equipment expense	$420,000	2,271
Additional noninterest expense	$1,496,000	1,972
Pre-tax net operating income	$4,050,000	1,508
Securities gains (losses)	$0	1,818
Applicable income taxes	$904,000	1,230
Income before extraordinary items	$3,146,000	1,656
Extraordinary gains, net	$0	6
Net income	$3,146,000	1,656
Minority interest net income	$0	67
Net income of bank and minority interests.	$3,146,000	1,656
Net charge-offs	$8,000	1,799
Cash dividends	$895,000	1,480
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$3,146,000	1,624
2021-03-31 (YTD Data)		Rank
Total interest income	$3,542,000	1,959
Total interest expense	$150,000	3,175
Net interest income	$3,392,000	1,847
Provision for loan and lease losses	$-71,000	4,643
Total noninterest income	$1,416,000	1,219
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$143,000	1,390
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,273,000	1,088
Total noninterest expense	$2,289,000	2,078
Salaries and employee benefits	$1,329,000	2,082
Premises and equipment expense	$195,000	2,385
Additional noninterest expense	$765,000	1,893
Pre-tax net operating income	$2,590,000	1,279
Securities gains (losses)	$0	1,392
Applicable income taxes	$574,000	1,045
Income before extraordinary items	$2,016,000	1,385
Extraordinary gains, net	$0	3
Net income	$2,016,000	1,385
Minority interest net income	$0	55
Net income of bank and minority interests.	$2,016,000	1,385
Net charge-offs	$-12,000	4,135
Cash dividends	$447,000	1,291
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$2,016,000	1,352
2020-12-31 (YTD Data)		Rank
Total interest income	$13,888,000	1,997
Total interest expense	$1,095,000	2,795
Net interest income	$12,793,000	1,863
Provision for loan and lease losses	$690,000	1,950
Total noninterest income	$2,781,000	1,792
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$805,000	1,131
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,976,000	1,793
Total noninterest expense	$8,977,000	2,103
Salaries and employee benefits	$5,154,000	2,108
Premises and equipment expense	$894,000	2,176
Additional noninterest expense	$2,929,000	1,944
Pre-tax net operating income	$5,907,000	1,579
Securities gains (losses)	$0	2,675
Applicable income taxes	$1,261,000	1,269
Income before extraordinary items	$4,646,000	1,720
Extraordinary gains, net	$0	4
Net income	$4,646,000	1,720
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,646,000	1,720
Net charge-offs	$-94,000	4,735
Cash dividends	$2,271,000	1,388
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$4,646,000	1,686
2020-09-30 (YTD Data)		Rank
Total interest income	$10,055,000	2,060
Total interest expense	$900,000	2,759
Net interest income	$9,155,000	1,915
Provision for loan and lease losses	$564,000	1,882
Total noninterest income	$1,982,000	1,803
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$462,000	1,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,520,000	1,723
Total noninterest expense	$6,554,000	2,129
Salaries and employee benefits	$3,592,000	2,193
Premises and equipment expense	$672,000	2,171
Additional noninterest expense	$2,290,000	1,873
Pre-tax net operating income	$4,019,000	1,669
Securities gains (losses)	$0	2,494
Applicable income taxes	$881,000	1,284
Income before extraordinary items	$3,138,000	1,841
Extraordinary gains, net	$0	4
Net income	$3,138,000	1,841
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,138,000	1,841
Net charge-offs	$-29,000	4,526
Cash dividends	$1,401,000	1,408
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$3,138,000	1,800
2020-06-30 (YTD Data)		Rank
Total interest income	$6,694,000	2,095
Total interest expense	$624,000	2,807
Net interest income	$6,070,000	1,937
Provision for loan and lease losses	$368,000	1,864
Total noninterest income	$1,361,000	1,713
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$265,000	1,570
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,096,000	1,578
Total noninterest expense	$4,404,000	2,116
Salaries and employee benefits	$2,317,000	2,235
Premises and equipment expense	$446,000	2,178
Additional noninterest expense	$1,641,000	1,761
Pre-tax net operating income	$2,659,000	1,612
Securities gains (losses)	$0	2,249
Applicable income taxes	$585,000	1,221
Income before extraordinary items	$2,074,000	1,791
Extraordinary gains, net	$0	4
Net income	$2,074,000	1,792
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,074,000	1,792
Net charge-offs	$-56,000	4,773
Cash dividends	$956,000	1,379
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,074,000	1,744
2020-03-31 (YTD Data)		Rank
Total interest income	$3,520,000	2,002
Total interest expense	$327,000	2,888
Net interest income	$3,193,000	1,828
Provision for loan and lease losses	$108,000	1,900
Total noninterest income	$698,000	1,607
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$164,000	1,533
Trading account gains and fees	NA	NA
Additional Noninterest Income	$534,000	1,455
Total noninterest expense	$2,395,000	2,016
Salaries and employee benefits	$1,344,000	2,042
Premises and equipment expense	$209,000	2,281
Additional noninterest expense	$842,000	1,753
Pre-tax net operating income	$1,388,000	1,401
Securities gains (losses)	$0	1,705
Applicable income taxes	$307,000	1,058
Income before extraordinary items	$1,081,000	1,567
Extraordinary gains, net	$0	4
Net income	$1,081,000	1,566
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,081,000	1,567
Net charge-offs	$-52,000	4,867
Cash dividends	$468,000	1,345
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,081,000	1,530
2019-12-31 (YTD Data)		Rank
Total interest income	$14,762,000	1,949
Total interest expense	$1,300,000	2,937
Net interest income	$13,462,000	1,764
Provision for loan and lease losses	$124,000	2,760
Total noninterest income	$2,633,000	1,697
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$651,000	1,584
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,982,000	1,545
Total noninterest expense	$9,227,000	2,040
Salaries and employee benefits	$5,201,000	2,051
Premises and equipment expense	$894,000	2,194
Additional noninterest expense	$3,132,000	1,854
Pre-tax net operating income	$6,744,000	1,407
Securities gains (losses)	$0	2,379
Applicable income taxes	$1,770,000	980
Income before extraordinary items	$4,974,000	1,613
Extraordinary gains, net	$0	11
Net income	$4,974,000	1,615
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,974,000	1,615
Net charge-offs	$197,000	1,705
Cash dividends	$2,238,000	1,477
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$4,974,000	1,571
2019-09-30 (YTD Data)		Rank
Total interest income	$11,199,000	1,948
Total interest expense	$956,000	2,992
Net interest income	$10,243,000	1,763
Provision for loan and lease losses	$78,000	2,826
Total noninterest income	$1,861,000	1,748
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$486,000	1,595
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,375,000	1,609
Total noninterest expense	$6,824,000	2,059
Salaries and employee benefits	$3,775,000	2,101
Premises and equipment expense	$695,000	2,157
Additional noninterest expense	$2,354,000	1,839
Pre-tax net operating income	$5,202,000	1,400
Securities gains (losses)	$0	2,167
Applicable income taxes	$1,366,000	994
Income before extraordinary items	$3,836,000	1,593
Extraordinary gains, net	$0	11
Net income	$3,836,000	1,594
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,836,000	1,594
Net charge-offs	$172,000	1,402
Cash dividends	$1,315,000	1,552
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$3,836,000	1,564
2019-06-30 (YTD Data)		Rank
Total interest income	$7,204,000	2,006
Total interest expense	$619,000	3,019
Net interest income	$6,585,000	1,823
Provision for loan and lease losses	$210,000	1,506
Total noninterest income	$1,245,000	1,718
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$315,000	1,610
Trading account gains and fees	NA	NA
Additional Noninterest Income	$930,000	1,558
Total noninterest expense	$4,617,000	2,044
Salaries and employee benefits	$2,487,000	2,127
Premises and equipment expense	$472,000	2,140
Additional noninterest expense	$1,658,000	1,776
Pre-tax net operating income	$3,003,000	1,545
Securities gains (losses)	$0	1,702
Applicable income taxes	$853,000	1,002
Income before extraordinary items	$2,150,000	1,811
Extraordinary gains, net	$0	11
Net income	$2,150,000	1,810
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,150,000	1,811
Net charge-offs	$-83,000	5,022
Cash dividends	$895,000	1,550
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,150,000	1,782
2019-03-31 (YTD Data)		Rank
Total interest income	$3,543,000	2,030
Total interest expense	$297,000	3,052
Net interest income	$3,246,000	1,852
Provision for loan and lease losses	$63,000	1,855
Total noninterest income	$627,000	1,678
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$158,000	1,604
Trading account gains and fees	NA	NA
Additional Noninterest Income	$469,000	1,508
Total noninterest expense	$2,353,000	2,032
Salaries and employee benefits	$1,288,000	2,095
Premises and equipment expense	$228,000	2,208
Additional noninterest expense	$837,000	1,746
Pre-tax net operating income	$1,457,000	1,563
Securities gains (losses)	$0	1,087
Applicable income taxes	$490,000	920
Income before extraordinary items	$967,000	1,917
Extraordinary gains, net	$0	5
Net income	$967,000	1,915
Minority interest net income	$0	52
Net income of bank and minority interests.	$967,000	1,916
Net charge-offs	$-62,000	5,122
Cash dividends	$475,000	1,391
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$967,000	1,900
2018-12-31 (YTD Data)		Rank
Total interest income	$13,646,000	1,998
Total interest expense	$998,000	2,929
Net interest income	$12,648,000	1,857
Provision for loan and lease losses	$370,000	1,736
Total noninterest income	$2,692,000	1,662
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$680,000	1,570
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,012,000	1,494
Total noninterest expense	$8,791,000	2,097
Salaries and employee benefits	$4,957,000	2,104
Premises and equipment expense	$879,000	2,237
Additional noninterest expense	$2,955,000	1,943
Pre-tax net operating income	$6,179,000	1,474
Securities gains (losses)	$0	1,125
Applicable income taxes	$1,022,000	1,376
Income before extraordinary items	$5,157,000	1,547
Extraordinary gains, net	$0	6
Net income	$5,157,000	1,545
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,157,000	1,546
Net charge-offs	$23,000	3,041
Cash dividends	$2,058,000	1,429
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$5,157,000	1,537
2018-09-30 (YTD Data)		Rank
Total interest income	$10,240,000	1,986
Total interest expense	$721,000	2,918
Net interest income	$9,519,000	1,853
Provision for loan and lease losses	$209,000	1,949
Total noninterest income	$1,805,000	1,804
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$507,000	1,583
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,298,000	1,659
Total noninterest expense	$6,496,000	2,122
Salaries and employee benefits	$3,675,000	2,118
Premises and equipment expense	$664,000	2,233
Additional noninterest expense	$2,157,000	1,993
Pre-tax net operating income	$4,619,000	1,503
Securities gains (losses)	$0	1,118
Applicable income taxes	$1,050,000	1,131
Income before extraordinary items	$3,569,000	1,654
Extraordinary gains, net	$0	5
Net income	$3,569,000	1,652
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,569,000	1,653
Net charge-offs	$31,000	2,482
Cash dividends	$1,240,000	1,482
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,569,000	1,640
2018-06-30 (YTD Data)		Rank
Total interest income	$6,709,000	2,005
Total interest expense	$464,000	2,901
Net interest income	$6,245,000	1,880
Provision for loan and lease losses	$86,000	2,340
Total noninterest income	$1,113,000	1,886
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$334,000	1,594
Trading account gains and fees	NA	NA
Additional Noninterest Income	$779,000	1,765
Total noninterest expense	$4,319,000	2,130
Salaries and employee benefits	$2,449,000	2,135
Premises and equipment expense	$440,000	2,263
Additional noninterest expense	$1,430,000	2,006
Pre-tax net operating income	$2,953,000	1,534
Securities gains (losses)	$0	961
Applicable income taxes	$670,000	1,147
Income before extraordinary items	$2,283,000	1,702
Extraordinary gains, net	$0	6
Net income	$2,283,000	1,701
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,283,000	1,701
Net charge-offs	$50,000	1,772
Cash dividends	$841,000	1,480
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,283,000	1,691
2018-03-31 (YTD Data)		Rank
Total interest income	$3,384,000	1,978
Total interest expense	$226,000	2,890
Net interest income	$3,158,000	1,847
Provision for loan and lease losses	$50,000	2,055
Total noninterest income	$510,000	1,976
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$174,000	1,547
Trading account gains and fees	NA	NA
Additional Noninterest Income	$336,000	1,882
Total noninterest expense	$2,208,000	2,119
Salaries and employee benefits	$1,269,000	2,109
Premises and equipment expense	$215,000	2,327
Additional noninterest expense	$724,000	1,977
Pre-tax net operating income	$1,410,000	1,556
Securities gains (losses)	$0	735
Applicable income taxes	$320,000	1,168
Income before extraordinary items	$1,090,000	1,715
Extraordinary gains, net	$0	7
Net income	$1,090,000	1,715
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,090,000	1,715
Net charge-offs	$44,000	1,264
Cash dividends	$441,000	1,305
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,090,000	1,702
2017-12-31 (YTD Data)		Rank
Total interest income	$12,096,000	2,123
Total interest expense	$898,000	2,743
Net interest income	$11,198,000	2,029
Provision for loan and lease losses	$-45,000	5,331
Total noninterest income	$2,671,000	1,706
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$672,000	1,618
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,999,000	1,539
Total noninterest expense	$8,231,000	2,216
Salaries and employee benefits	$4,429,000	2,301
Premises and equipment expense	$976,000	2,148
Additional noninterest expense	$2,826,000	2,030
Pre-tax net operating income	$5,683,000	1,543
Securities gains (losses)	$0	2,243
Applicable income taxes	$2,586,000	1,074
Income before extraordinary items	$3,097,000	1,975
Extraordinary gains, net	$0	9
Net income	$3,097,000	1,973
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,097,000	1,975
Net charge-offs	$-206,000	5,446
Cash dividends	$1,429,000	1,765
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$3,097,000	1,954
2017-09-30 (YTD Data)		Rank
Total interest income	$8,935,000	2,156
Total interest expense	$675,000	2,708
Net interest income	$8,260,000	2,068
Provision for loan and lease losses	$-93,000	5,521
Total noninterest income	$1,852,000	1,808
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$483,000	1,673
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,369,000	1,631
Total noninterest expense	$5,952,000	2,289
Salaries and employee benefits	$3,276,000	2,333
Premises and equipment expense	$623,000	2,402
Additional noninterest expense	$2,053,000	2,072
Pre-tax net operating income	$4,253,000	1,548
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,484,000	1,127
Income before extraordinary items	$2,769,000	1,853
Extraordinary gains, net	$0	9
Net income	$2,769,000	1,853
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,769,000	1,853
Net charge-offs	$-202,000	5,486
Cash dividends	$30,000	3,632
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,769,000	1,827
2017-06-30 (YTD Data)		Rank
Total interest income	$5,871,000	2,161
Total interest expense	$449,000	2,667
Net interest income	$5,422,000	2,078
Provision for loan and lease losses	$-323,000	5,677
Total noninterest income	$1,216,000	1,814
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$307,000	1,729
Trading account gains and fees	NA	NA
Additional Noninterest Income	$909,000	1,636
Total noninterest expense	$3,954,000	2,300
Salaries and employee benefits	$2,159,000	2,371
Premises and equipment expense	$418,000	2,398
Additional noninterest expense	$1,377,000	2,063
Pre-tax net operating income	$3,007,000	1,459
Securities gains (losses)	$0	1,906
Applicable income taxes	$1,051,000	1,068
Income before extraordinary items	$1,956,000	1,732
Extraordinary gains, net	$0	11
Net income	$1,956,000	1,732
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,956,000	1,732
Net charge-offs	$-221,000	5,601
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,956,000	1,713
2017-03-31 (YTD Data)		Rank
Total interest income	$2,916,000	2,163
Total interest expense	$225,000	2,637
Net interest income	$2,691,000	2,080
Provision for loan and lease losses	$-187,000	5,772
Total noninterest income	$590,000	1,845
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$146,000	1,793
Trading account gains and fees	NA	NA
Additional Noninterest Income	$444,000	1,648
Total noninterest expense	$1,991,000	2,308
Salaries and employee benefits	$1,095,000	2,371
Premises and equipment expense	$192,000	2,576
Additional noninterest expense	$704,000	2,038
Pre-tax net operating income	$1,477,000	1,457
Securities gains (losses)	$0	1,153
Applicable income taxes	$516,000	1,049
Income before extraordinary items	$961,000	1,723
Extraordinary gains, net	$0	8
Net income	$961,000	1,722
Minority interest net income	$0	55
Net income of bank and minority interests.	$961,000	1,723
Net charge-offs	$-126,000	5,648
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$961,000	1,707
2016-12-31 (YTD Data)		Rank
Total interest income	$11,923,000	2,089
Total interest expense	$905,000	2,591
Net interest income	$11,018,000	2,008
Provision for loan and lease losses	$401,000	1,677
Total noninterest income	$2,826,000	1,714
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$652,000	1,707
Trading account gains and fees	$0	170
Additional Noninterest Income	$2,174,000	1,510
Total noninterest expense	$7,835,000	2,332
Salaries and employee benefits	$4,408,000	2,312
Premises and equipment expense	$844,000	2,402
Additional noninterest expense	$2,583,000	2,238
Pre-tax net operating income	$5,608,000	1,482
Securities gains (losses)	$0	3,212
Applicable income taxes	$1,913,000	1,086
Income before extraordinary items	$3,695,000	1,762
Extraordinary gains, net	$0	5
Net income	$3,695,000	1,761
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,695,000	1,761
Net charge-offs	$340,000	1,418
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$3,695,000	1,723
2016-09-30 (YTD Data)		Rank
Total interest income	$8,826,000	2,103
Total interest expense	$676,000	2,594
Net interest income	$8,150,000	2,031
Provision for loan and lease losses	$337,000	1,514
Total noninterest income	$2,086,000	1,722
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$491,000	1,705
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,595,000	1,526
Total noninterest expense	$5,753,000	2,375
Salaries and employee benefits	$3,281,000	2,325
Premises and equipment expense	$591,000	2,531
Additional noninterest expense	$1,881,000	2,300
Pre-tax net operating income	$4,146,000	1,516
Securities gains (losses)	$0	3,160
Applicable income taxes	$1,352,000	1,165
Income before extraordinary items	$2,794,000	1,781
Extraordinary gains, net	$0	5
Net income	$2,794,000	1,781
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,794,000	1,781
Net charge-offs	$165,000	1,611
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,794,000	1,734
2016-06-30 (YTD Data)		Rank
Total interest income	$5,897,000	2,111
Total interest expense	$457,000	2,580
Net interest income	$5,440,000	2,040
Provision for loan and lease losses	$213,000	1,548
Total noninterest income	$1,466,000	1,649
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$321,000	1,717
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,145,000	1,412
Total noninterest expense	$3,799,000	2,402
Salaries and employee benefits	$2,214,000	2,311
Premises and equipment expense	$365,000	2,689
Additional noninterest expense	$1,220,000	2,360
Pre-tax net operating income	$2,894,000	1,438
Securities gains (losses)	$0	2,835
Applicable income taxes	$912,000	1,155
Income before extraordinary items	$1,982,000	1,674
Extraordinary gains, net	$0	16
Net income	$1,982,000	1,675
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,982,000	1,675
Net charge-offs	$-7,000	4,862
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,982,000	1,627
2016-03-31 (YTD Data)		Rank
Total interest income	$2,928,000	2,119
Total interest expense	$233,000	2,554
Net interest income	$2,695,000	2,059
Provision for loan and lease losses	$76,000	1,730
Total noninterest income	$538,000	1,978
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$161,000	1,698
Trading account gains and fees	$0	142
Additional Noninterest Income	$377,000	1,817
Total noninterest expense	$1,897,000	2,415
Salaries and employee benefits	$1,078,000	2,364
Premises and equipment expense	$184,000	2,699
Additional noninterest expense	$635,000	2,274
Pre-tax net operating income	$1,260,000	1,605
Securities gains (losses)	$0	2,077
Applicable income taxes	$445,000	1,144
Income before extraordinary items	$815,000	1,959
Extraordinary gains, net	$0	12
Net income	$815,000	1,959
Minority interest net income	$0	62
Net income of bank and minority interests.	$815,000	1,959
Net charge-offs	$-98,000	5,878
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$815,000	1,904
2015-12-31 (YTD Data)		Rank
Total interest income	$11,079,000	2,170
Total interest expense	$1,135,000	2,212
Net interest income	$9,944,000	2,149
Provision for loan and lease losses	$242,000	2,127
Total noninterest income	$2,664,000	1,741
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$768,000	1,526
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,896,000	1,588
Total noninterest expense	$7,541,000	2,419
Salaries and employee benefits	$3,993,000	2,497
Premises and equipment expense	$715,000	2,786
Additional noninterest expense	$2,833,000	2,112
Pre-tax net operating income	$4,825,000	1,620
Securities gains (losses)	$0	3,216
Applicable income taxes	$1,738,000	1,114
Income before extraordinary items	$3,087,000	2,007
Extraordinary gains, net	$0	23
Net income	$3,087,000	2,008
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,087,000	2,009
Net charge-offs	$170,000	2,144
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,087,000	1,964
2015-09-30 (YTD Data)		Rank
Total interest income	$8,226,000	2,207
Total interest expense	$864,000	2,206
Net interest income	$7,362,000	2,189
Provision for loan and lease losses	$86,000	2,862
Total noninterest income	$1,874,000	1,836
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$593,000	1,508
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,281,000	1,713
Total noninterest expense	$5,593,000	2,449
Salaries and employee benefits	$2,914,000	2,558
Premises and equipment expense	$501,000	2,948
Additional noninterest expense	$2,178,000	2,050
Pre-tax net operating income	$3,557,000	1,664
Securities gains (losses)	$0	3,031
Applicable income taxes	$1,276,000	1,167
Income before extraordinary items	$2,281,000	2,036
Extraordinary gains, net	$0	21
Net income	$2,281,000	2,038
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,281,000	2,037
Net charge-offs	$72,000	2,462
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,281,000	1,991
2015-06-30 (YTD Data)		Rank
Total interest income	$5,440,000	2,222
Total interest expense	$585,000	2,199
Net interest income	$4,855,000	2,204
Provision for loan and lease losses	$-43,000	5,996
Total noninterest income	$1,225,000	1,875
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$400,000	1,472
Trading account gains and fees	$0	157
Additional Noninterest Income	$825,000	1,776
Total noninterest expense	$3,825,000	2,397
Salaries and employee benefits	$1,992,000	2,523
Premises and equipment expense	$326,000	2,991
Additional noninterest expense	$1,507,000	1,989
Pre-tax net operating income	$2,298,000	1,693
Securities gains (losses)	$0	2,636
Applicable income taxes	$820,000	1,192
Income before extraordinary items	$1,478,000	2,078
Extraordinary gains, net	$0	22
Net income	$1,478,000	2,080
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,478,000	2,080
Net charge-offs	$-176,000	6,048
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,478,000	2,029
2015-03-31 (YTD Data)		Rank
Total interest income	$2,718,000	2,215
Total interest expense	$297,000	2,193
Net interest income	$2,421,000	2,201
Provision for loan and lease losses	$-114,000	6,219
Total noninterest income	$607,000	1,859
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$191,000	1,500
Trading account gains and fees	$0	152
Additional Noninterest Income	$416,000	1,724
Total noninterest expense	$2,006,000	2,300
Salaries and employee benefits	$1,032,000	2,454
Premises and equipment expense	$158,000	3,085
Additional noninterest expense	$816,000	1,843
Pre-tax net operating income	$1,136,000	1,658
Securities gains (losses)	$0	2,027
Applicable income taxes	$403,000	1,185
Income before extraordinary items	$733,000	2,056
Extraordinary gains, net	$0	13
Net income	$733,000	2,057
Minority interest net income	$0	64
Net income of bank and minority interests.	$733,000	2,057
Net charge-offs	$20,000	2,118
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$733,000	1,995
2014-12-31 (YTD Data)		Rank
Total interest income	$10,792,000	2,228
Total interest expense	$1,350,000	2,066
Net interest income	$9,442,000	2,249
Provision for loan and lease losses	$212,000	2,400
Total noninterest income	$3,273,000	1,466
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$796,000	1,595
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,477,000	1,257
Total noninterest expense	$7,259,000	2,532
Salaries and employee benefits	$3,931,000	2,539
Premises and equipment expense	$657,000	3,039
Additional noninterest expense	$2,671,000	2,267
Pre-tax net operating income	$5,244,000	1,455
Securities gains (losses)	$0	3,259
Applicable income taxes	$1,767,000	1,078
Income before extraordinary items	$3,477,000	1,777
Extraordinary gains, net	$0	17
Net income	$3,477,000	1,777
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,477,000	1,776
Net charge-offs	$33,000	4,049
Cash dividends	$1,020,000	2,005
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,477,000	1,746
2014-09-30 (YTD Data)		Rank
Total interest income	$8,026,000	2,265
Total interest expense	$1,034,000	2,067
Net interest income	$6,992,000	2,287
Provision for loan and lease losses	$133,000	2,532
Total noninterest income	$1,929,000	1,753
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$599,000	1,598
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,330,000	1,601
Total noninterest expense	$5,344,000	2,578
Salaries and employee benefits	$2,870,000	2,592
Premises and equipment expense	$500,000	3,038
Additional noninterest expense	$1,974,000	2,274
Pre-tax net operating income	$3,444,000	1,651
Securities gains (losses)	$0	2,980
Applicable income taxes	$1,252,000	1,122
Income before extraordinary items	$2,192,000	2,064
Extraordinary gains, net	$0	15
Net income	$2,192,000	2,063
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,192,000	2,062
Net charge-offs	$-145,000	6,281
Cash dividends	$90,000	3,501
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,192,000	2,022
2014-06-30 (YTD Data)		Rank
Total interest income	$5,305,000	2,271
Total interest expense	$691,000	2,074
Net interest income	$4,614,000	2,299
Provision for loan and lease losses	$-6,000	6,216
Total noninterest income	$1,307,000	1,710
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$402,000	1,563
Trading account gains and fees	$0	172
Additional Noninterest Income	$905,000	1,555
Total noninterest expense	$3,609,000	2,559
Salaries and employee benefits	$1,949,000	2,570
Premises and equipment expense	$328,000	3,094
Additional noninterest expense	$1,332,000	2,232
Pre-tax net operating income	$2,318,000	1,608
Securities gains (losses)	$0	2,580
Applicable income taxes	$846,000	1,091
Income before extraordinary items	$1,472,000	2,010
Extraordinary gains, net	$0	20
Net income	$1,472,000	2,013
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,472,000	2,012
Net charge-offs	$-154,000	6,410
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,472,000	1,957
2014-03-31 (YTD Data)		Rank
Total interest income	$2,629,000	2,296
Total interest expense	$347,000	2,095
Net interest income	$2,282,000	2,303
Provision for loan and lease losses	$-62,000	6,487
Total noninterest income	$574,000	1,866
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$199,000	1,558
Trading account gains and fees	$0	147
Additional Noninterest Income	$375,000	1,731
Total noninterest expense	$1,853,000	2,502
Salaries and employee benefits	$1,009,000	2,488
Premises and equipment expense	$155,000	3,267
Additional noninterest expense	$689,000	2,176
Pre-tax net operating income	$1,065,000	1,676
Securities gains (losses)	$0	1,715
Applicable income taxes	$387,000	1,108
Income before extraordinary items	$678,000	2,057
Extraordinary gains, net	$0	16
Net income	$678,000	2,060
Minority interest net income	$0	66
Net income of bank and minority interests.	$678,000	2,060
Net charge-offs	$-51,000	6,320
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$678,000	2,018
2013-12-31 (YTD Data)		Rank
Total interest income	$10,517,000	2,310
Total interest expense	$1,505,000	2,154
Net interest income	$9,012,000	2,342
Provision for loan and lease losses	$320,000	2,361
Total noninterest income	$2,940,000	1,630
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$864,000	1,540
Trading account gains and fees	$0	184
Additional Noninterest Income	$2,076,000	1,474
Total noninterest expense	$6,947,000	2,645
Salaries and employee benefits	$3,762,000	2,622
Premises and equipment expense	$617,000	3,246
Additional noninterest expense	$2,568,000	2,396
Pre-tax net operating income	$4,685,000	1,497
Securities gains (losses)	$0	3,182
Applicable income taxes	$1,772,000	991
Income before extraordinary items	$2,913,000	1,941
Extraordinary gains, net	$0	29
Net income	$2,913,000	1,942
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,913,000	1,943
Net charge-offs	$348,000	2,399
Cash dividends	$1,122,000	1,791
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,913,000	1,905
2013-09-30 (YTD Data)		Rank
Total interest income	$7,895,000	2,318
Total interest expense	$1,147,000	2,190
Net interest income	$6,748,000	2,338
Provision for loan and lease losses	$148,000	2,967
Total noninterest income	$2,089,000	1,735
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$652,000	1,534
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,437,000	1,603
Total noninterest expense	$5,173,000	2,667
Salaries and employee benefits	$2,783,000	2,662
Premises and equipment expense	$464,000	3,273
Additional noninterest expense	$1,926,000	2,380
Pre-tax net operating income	$3,516,000	1,533
Securities gains (losses)	$0	3,040
Applicable income taxes	$1,303,000	1,042
Income before extraordinary items	$2,213,000	1,961
Extraordinary gains, net	$0	25
Net income	$2,213,000	1,968
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,213,000	1,967
Net charge-offs	$251,000	2,309
Cash dividends	$255,000	2,755
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,213,000	1,903
2013-06-30 (YTD Data)		Rank
Total interest income	$5,287,000	2,312
Total interest expense	$782,000	2,186
Net interest income	$4,505,000	2,315
Provision for loan and lease losses	$136,000	2,594
Total noninterest income	$1,460,000	1,675
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$437,000	1,509
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,023,000	1,556
Total noninterest expense	$3,504,000	2,637
Salaries and employee benefits	$1,872,000	2,653
Premises and equipment expense	$303,000	3,329
Additional noninterest expense	$1,329,000	2,305
Pre-tax net operating income	$2,325,000	1,524
Securities gains (losses)	$0	2,791
Applicable income taxes	$862,000	1,041
Income before extraordinary items	$1,463,000	1,961
Extraordinary gains, net	$0	22
Net income	$1,463,000	1,967
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,463,000	1,967
Net charge-offs	$108,000	2,678
Cash dividends	$255,000	2,358
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,463,000	1,889
2013-03-31 (YTD Data)		Rank
Total interest income	$2,642,000	2,341
Total interest expense	$385,000	2,277
Net interest income	$2,257,000	2,323
Provision for loan and lease losses	$42,000	3,013
Total noninterest income	$632,000	1,889
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$231,000	1,424
Trading account gains and fees	$0	148
Additional Noninterest Income	$401,000	1,861
Total noninterest expense	$1,808,000	2,595
Salaries and employee benefits	$961,000	2,599
Premises and equipment expense	$135,000	3,623
Additional noninterest expense	$712,000	2,185
Pre-tax net operating income	$1,039,000	1,649
Securities gains (losses)	$0	1,966
Applicable income taxes	$384,000	1,115
Income before extraordinary items	$655,000	2,103
Extraordinary gains, net	$0	10
Net income	$655,000	2,105
Minority interest net income	$0	76
Net income of bank and minority interests.	$655,000	2,105
Net charge-offs	$103,000	1,871
Cash dividends	$64,000	2,270
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$655,000	2,024
2012-12-31 (YTD Data)		Rank
Total interest income	$10,944,000	2,359
Total interest expense	$1,671,000	2,503
Net interest income	$9,273,000	2,319
Provision for loan and lease losses	$471,000	2,801
Total noninterest income	$2,664,000	1,788
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$920,000	1,520
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,744,000	1,679
Total noninterest expense	$6,901,000	2,689
Salaries and employee benefits	$3,632,000	2,695
Premises and equipment expense	$631,000	3,267
Additional noninterest expense	$2,638,000	2,449
Pre-tax net operating income	$4,565,000	1,488
Securities gains (losses)	$0	3,810
Applicable income taxes	$1,742,000	974
Income before extraordinary items	$2,823,000	1,966
Extraordinary gains, net	$0	29
Net income	$2,823,000	1,965
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,823,000	1,967
Net charge-offs	$949,000	1,875
Cash dividends	$1,355,000	1,600
Sale, conversion, retirement of capital stock, net	$21,000	830
Net operating income	$2,823,000	1,858
2012-09-30 (YTD Data)		Rank
Total interest income	$8,237,000	2,408
Total interest expense	$1,275,000	2,565
Net interest income	$6,962,000	2,350
Provision for loan and lease losses	$780,000	1,732
Total noninterest income	$1,876,000	1,873
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$691,000	1,526
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,185,000	1,785
Total noninterest expense	$5,136,000	2,712
Salaries and employee benefits	$2,674,000	2,754
Premises and equipment expense	$486,000	3,233
Additional noninterest expense	$1,976,000	2,448
Pre-tax net operating income	$2,922,000	1,735
Securities gains (losses)	$0	3,575
Applicable income taxes	$1,078,000	1,171
Income before extraordinary items	$1,844,000	2,265
Extraordinary gains, net	$0	20
Net income	$1,844,000	2,264
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,844,000	2,265
Net charge-offs	$928,000	1,544
Cash dividends	$669,000	1,733
Sale, conversion, retirement of capital stock, net	$16,000	794
Net operating income	$1,844,000	2,139
2012-06-30 (YTD Data)		Rank
Total interest income	$5,486,000	2,419
Total interest expense	$871,000	2,603
Net interest income	$4,615,000	2,364
Provision for loan and lease losses	$739,000	1,374
Total noninterest income	$1,296,000	1,805
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$462,000	1,514
Trading account gains and fees	$0	153
Additional Noninterest Income	$834,000	1,714
Total noninterest expense	$3,504,000	2,668
Salaries and employee benefits	$1,789,000	2,750
Premises and equipment expense	$322,000	3,261
Additional noninterest expense	$1,393,000	2,326
Pre-tax net operating income	$1,668,000	1,963
Securities gains (losses)	$0	3,178
Applicable income taxes	$612,000	1,303
Income before extraordinary items	$1,056,000	2,517
Extraordinary gains, net	$0	19
Net income	$1,056,000	2,517
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,056,000	2,517
Net charge-offs	$818,000	1,308
Cash dividends	$106,000	2,960
Sale, conversion, retirement of capital stock, net	$12,000	743
Net operating income	$1,056,000	2,382
2012-03-31 (YTD Data)		Rank
Total interest income	$2,770,000	2,424
Total interest expense	$450,000	2,610
Net interest income	$2,320,000	2,360
Provision for loan and lease losses	$67,000	3,375
Total noninterest income	$696,000	1,712
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$236,000	1,477
Trading account gains and fees	$0	148
Additional Noninterest Income	$460,000	1,600
Total noninterest expense	$1,868,000	2,524
Salaries and employee benefits	$927,000	2,676
Premises and equipment expense	$172,000	3,125
Additional noninterest expense	$769,000	2,098
Pre-tax net operating income	$1,081,000	1,574
Securities gains (losses)	$0	2,210
Applicable income taxes	$403,000	1,064
Income before extraordinary items	$678,000	2,055
Extraordinary gains, net	$0	19
Net income	$678,000	2,056
Minority interest net income	$0	78
Net income of bank and minority interests.	$678,000	2,057
Net charge-offs	$46,000	3,075
Cash dividends	$74,000	2,277
Sale, conversion, retirement of capital stock, net	$6,000	688
Net operating income	$678,000	1,957
2011-12-31 (YTD Data)		Rank
Total interest income	$10,936,000	2,548
Total interest expense	$2,119,000	2,650
Net interest income	$8,817,000	2,494
Provision for loan and lease losses	$744,000	2,845
Total noninterest income	$2,504,000	1,710
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$1,043,000	1,422
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,461,000	1,676
Total noninterest expense	$6,900,000	2,694
Salaries and employee benefits	$3,550,000	2,716
Premises and equipment expense	$589,000	3,623
Additional noninterest expense	$2,761,000	2,373
Pre-tax net operating income	$3,677,000	1,527
Securities gains (losses)	$0	3,838
Applicable income taxes	$1,389,000	1,053
Income before extraordinary items	$2,288,000	2,021
Extraordinary gains, net	$0	29
Net income	$2,288,000	2,022
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,288,000	2,022
Net charge-offs	$1,038,000	2,317
Cash dividends	$350,000	2,839
Sale, conversion, retirement of capital stock, net	$23,000	929
Net operating income	$2,288,000	1,928
2011-09-30 (YTD Data)		Rank
Total interest income	$8,192,000	2,577
Total interest expense	$1,636,000	2,684
Net interest income	$6,556,000	2,529
Provision for loan and lease losses	$67,000	5,338
Total noninterest income	$1,712,000	1,817
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$768,000	1,454
Trading account gains and fees	$0	145
Additional Noninterest Income	$944,000	1,832
Total noninterest expense	$5,202,000	2,693
Salaries and employee benefits	$2,624,000	2,740
Premises and equipment expense	$445,000	3,642
Additional noninterest expense	$2,133,000	2,323
Pre-tax net operating income	$2,999,000	1,492
Securities gains (losses)	$0	3,555
Applicable income taxes	$1,144,000	981
Income before extraordinary items	$1,855,000	1,957
Extraordinary gains, net	$0	21
Net income	$1,855,000	1,957
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,855,000	1,957
Net charge-offs	$67,000	4,770
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$17,000	879
Net operating income	$1,855,000	1,859
2011-06-30 (YTD Data)		Rank
Total interest income	$5,412,000	2,618
Total interest expense	$1,118,000	2,713
Net interest income	$4,294,000	2,567
Provision for loan and lease losses	$-121,000	7,435
Total noninterest income	$1,105,000	1,851
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$509,000	1,437
Trading account gains and fees	$0	153
Additional Noninterest Income	$596,000	1,873
Total noninterest expense	$3,437,000	2,725
Salaries and employee benefits	$1,762,000	2,744
Premises and equipment expense	$298,000	3,663
Additional noninterest expense	$1,377,000	2,429
Pre-tax net operating income	$2,083,000	1,402
Securities gains (losses)	$0	2,914
Applicable income taxes	$800,000	917
Income before extraordinary items	$1,283,000	1,846
Extraordinary gains, net	$0	15
Net income	$1,283,000	1,846
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,283,000	1,846
Net charge-offs	$39,000	4,649
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$11,000	831
Net operating income	$1,283,000	1,778
2011-03-31 (YTD Data)		Rank
Total interest income	$2,742,000	2,604
Total interest expense	$566,000	2,763
Net interest income	$2,176,000	2,530
Provision for loan and lease losses	$159,000	2,698
Total noninterest income	$570,000	1,813
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$248,000	1,441
Trading account gains and fees	$0	158
Additional Noninterest Income	$322,000	1,820
Total noninterest expense	$1,690,000	2,784
Salaries and employee benefits	$879,000	2,763
Premises and equipment expense	$144,000	3,809
Additional noninterest expense	$667,000	2,486
Pre-tax net operating income	$897,000	1,595
Securities gains (losses)	$0	1,772
Applicable income taxes	$334,000	1,020
Income before extraordinary items	$563,000	2,028
Extraordinary gains, net	$0	9
Net income	$563,000	2,027
Minority interest net income	$0	86
Net income of bank and minority interests.	$563,000	2,028
Net charge-offs	$154,000	2,336
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$5,000	788
Net operating income	$563,000	1,991
2010-12-31 (YTD Data)		Rank
Total interest income	$11,150,000	2,693
Total interest expense	$2,491,000	3,001
Net interest income	$8,659,000	2,541
Provision for loan and lease losses	$3,004,000	1,610
Total noninterest income	$2,699,000	1,671
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,060,000	1,437
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,639,000	1,607
Total noninterest expense	$6,404,000	2,942
Salaries and employee benefits	$3,296,000	2,863
Premises and equipment expense	$639,000	3,551
Additional noninterest expense	$2,469,000	2,718
Pre-tax net operating income	$1,950,000	2,285
Securities gains (losses)	$0	3,793
Applicable income taxes	$700,000	1,565
Income before extraordinary items	$1,250,000	2,836
Extraordinary gains, net	$0	29
Net income	$1,250,000	2,833
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,250,000	2,837
Net charge-offs	$3,499,000	1,331
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$23,000	1,077
Net operating income	$1,250,000	2,733
2010-09-30 (YTD Data)		Rank
Total interest income	$8,336,000	2,760
Total interest expense	$1,888,000	3,094
Net interest income	$6,448,000	2,583
Provision for loan and lease losses	$1,841,000	1,756
Total noninterest income	$1,972,000	1,708
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$801,000	1,464
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,171,000	1,621
Total noninterest expense	$4,853,000	2,914
Salaries and employee benefits	$2,564,000	2,797
Premises and equipment expense	$486,000	3,562
Additional noninterest expense	$1,803,000	2,724
Pre-tax net operating income	$1,726,000	2,132
Securities gains (losses)	$0	3,651
Applicable income taxes	$631,000	1,429
Income before extraordinary items	$1,095,000	2,728
Extraordinary gains, net	$0	23
Net income	$1,095,000	2,724
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,095,000	2,729
Net charge-offs	$2,414,000	1,341
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$21,000	986
Net operating income	$1,095,000	2,595
2010-06-30 (YTD Data)		Rank
Total interest income	$5,577,000	2,778
Total interest expense	$1,274,000	3,161
Net interest income	$4,303,000	2,572
Provision for loan and lease losses	$1,204,000	1,739
Total noninterest income	$1,397,000	1,593
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$532,000	1,479
Trading account gains and fees	$0	152
Additional Noninterest Income	$865,000	1,441
Total noninterest expense	$3,251,000	2,906
Salaries and employee benefits	$1,723,000	2,778
Premises and equipment expense	$320,000	3,628
Additional noninterest expense	$1,208,000	2,704
Pre-tax net operating income	$1,245,000	2,004
Securities gains (losses)	$0	3,184
Applicable income taxes	$458,000	1,303
Income before extraordinary items	$787,000	2,533
Extraordinary gains, net	$0	19
Net income	$787,000	2,530
Minority interest net income	$0	105
Net income of bank and minority interests.	$787,000	2,533
Net charge-offs	$1,935,000	1,152
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$14,000	914
Net operating income	$787,000	2,436
2010-03-31 (YTD Data)		Rank
Total interest income	$2,783,000	2,834
Total interest expense	$635,000	3,292
Net interest income	$2,148,000	2,613
Provision for loan and lease losses	$949,000	1,216
Total noninterest income	$799,000	1,449
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$262,000	1,492
Trading account gains and fees	$0	175
Additional Noninterest Income	$537,000	1,221
Total noninterest expense	$1,643,000	2,900
Salaries and employee benefits	$871,000	2,806
Premises and equipment expense	$168,000	3,571
Additional noninterest expense	$604,000	2,691
Pre-tax net operating income	$355,000	3,050
Securities gains (losses)	$0	2,284
Applicable income taxes	$124,000	1,910
Income before extraordinary items	$231,000	3,634
Extraordinary gains, net	$0	16
Net income	$231,000	3,631
Minority interest net income	$0	91
Net income of bank and minority interests.	$231,000	3,633
Net charge-offs	$181,000	2,543
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$7,000	864
Net operating income	$231,000	3,504
2009-12-31 (YTD Data)		Rank
Total interest income	$10,847,000	3,011
Total interest expense	$3,265,000	3,209
Net interest income	$7,582,000	2,857
Provision for loan and lease losses	$1,605,000	2,788
Total noninterest income	$3,470,000	1,457
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,155,000	1,482
Trading account gains and fees	$0	211
Additional Noninterest Income	$2,315,000	1,232
Total noninterest expense	$6,510,000	2,977
Salaries and employee benefits	$3,347,000	2,910
Premises and equipment expense	$654,000	3,642
Additional noninterest expense	$2,509,000	2,726
Pre-tax net operating income	$2,937,000	1,361
Securities gains (losses)	$0	3,754
Applicable income taxes	$709,000	1,234
Income before extraordinary items	$2,228,000	1,502
Extraordinary gains, net	$0	34
Net income	$2,228,000	1,499
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,228,000	1,501
Net charge-offs	$300,000	4,482
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$30,000	1,154
Net operating income	$2,228,000	1,470
2009-09-30 (YTD Data)		Rank
Total interest income	$8,061,000	3,089
Total interest expense	$2,555,000	3,241
Net interest income	$5,506,000	2,930
Provision for loan and lease losses	$1,015,000	2,759
Total noninterest income	$2,701,000	1,440
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$852,000	1,505
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,849,000	1,220
Total noninterest expense	$4,847,000	2,994
Salaries and employee benefits	$2,503,000	2,945
Premises and equipment expense	$507,000	3,590
Additional noninterest expense	$1,837,000	2,757
Pre-tax net operating income	$2,345,000	1,374
Securities gains (losses)	$0	3,497
Applicable income taxes	$420,000	1,578
Income before extraordinary items	$1,925,000	1,383
Extraordinary gains, net	$0	27
Net income	$1,925,000	1,381
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,925,000	1,383
Net charge-offs	$279,000	3,821
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$22,000	1,072
Net operating income	$1,925,000	1,363
2009-06-30 (YTD Data)		Rank
Total interest income	$5,305,000	3,151
Total interest expense	$1,780,000	3,258
Net interest income	$3,525,000	3,022
Provision for loan and lease losses	$754,000	2,400
Total noninterest income	$2,116,000	1,284
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$540,000	1,547
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,576,000	1,050
Total noninterest expense	$3,333,000	2,942
Salaries and employee benefits	$1,711,000	2,897
Premises and equipment expense	$350,000	3,530
Additional noninterest expense	$1,272,000	2,696
Pre-tax net operating income	$1,554,000	1,475
Securities gains (losses)	$0	3,136
Applicable income taxes	$156,000	2,222
Income before extraordinary items	$1,398,000	1,357
Extraordinary gains, net	$0	21
Net income	$1,398,000	1,355
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,398,000	1,356
Net charge-offs	$179,000	3,568
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$15,000	1,044
Net operating income	$1,398,000	1,316
2009-03-31 (YTD Data)		Rank
Total interest income	$2,648,000	3,183
Total interest expense	$934,000	3,238
Net interest income	$1,714,000	3,086
Provision for loan and lease losses	$755,000	1,385
Total noninterest income	$1,555,000	912
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$287,000	1,432
Trading account gains and fees	$0	171
Additional Noninterest Income	$1,268,000	704
Total noninterest expense	$1,598,000	2,970
Salaries and employee benefits	$860,000	2,916
Premises and equipment expense	$174,000	3,586
Additional noninterest expense	$564,000	2,703
Pre-tax net operating income	$916,000	1,408
Securities gains (losses)	$0	2,434
Applicable income taxes	$-71,000	7,492
Income before extraordinary items	$987,000	1,105
Extraordinary gains, net	$0	15
Net income	$987,000	1,107
Minority interest net income	$0	102
Net income of bank and minority interests.	$987,000	1,107
Net charge-offs	$115,000	2,719
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$8,000	915
Net operating income	$987,000	1,022
2008-12-31 (YTD Data)		Rank
Total interest income	$12,356,000	2,956
Total interest expense	$5,495,000	2,727
Net interest income	$6,861,000	3,109
Provision for loan and lease losses	$800,000	3,046
Total noninterest income	$2,446,000	1,839
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,154,000	1,553
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,292,000	1,785
Total noninterest expense	$6,167,000	3,002
Salaries and employee benefits	$3,207,000	3,071
Premises and equipment expense	$704,000	3,493
Additional noninterest expense	$2,256,000	2,555
Pre-tax net operating income	$2,340,000	2,198
Securities gains (losses)	$0	3,220
Applicable income taxes	$825,000	1,371
Income before extraordinary items	$1,515,000	2,499
Extraordinary gains, net	$0	39
Net income	$1,515,000	2,498
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$216,000	3,983
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$34,000	1,194
Net operating income	$1,515,000	2,638
2008-09-30 (YTD Data)		Rank
Total interest income	$9,536,000	2,940
Total interest expense	$4,321,000	2,709
Net interest income	$5,215,000	3,088
Provision for loan and lease losses	$397,000	3,095
Total noninterest income	$1,702,000	2,011
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$852,000	1,579
Trading account gains and fees	$0	148
Additional Noninterest Income	$850,000	2,036
Total noninterest expense	$4,572,000	3,007
Salaries and employee benefits	$2,380,000	3,121
Premises and equipment expense	$507,000	3,599
Additional noninterest expense	$1,685,000	2,508
Pre-tax net operating income	$1,948,000	2,353
Securities gains (losses)	$0	3,106
Applicable income taxes	$651,000	1,604
Income before extraordinary items	$1,297,000	2,607
Extraordinary gains, net	$0	31
Net income	$1,297,000	2,605
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$129,000	3,630
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$25,000	1,054
Net operating income	$1,297,000	2,733
2008-06-30 (YTD Data)		Rank
Total interest income	$6,437,000	2,951
Total interest expense	$3,002,000	2,706
Net interest income	$3,435,000	3,111
Provision for loan and lease losses	$236,000	2,896
Total noninterest income	$1,114,000	2,069
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$555,000	1,591
Trading account gains and fees	$0	149
Additional Noninterest Income	$559,000	2,083
Total noninterest expense	$3,052,000	3,011
Salaries and employee benefits	$1,577,000	3,186
Premises and equipment expense	$332,000	3,672
Additional noninterest expense	$1,143,000	2,446
Pre-tax net operating income	$1,261,000	2,505
Securities gains (losses)	$0	3,233
Applicable income taxes	$419,000	1,820
Income before extraordinary items	$842,000	2,947
Extraordinary gains, net	$0	21
Net income	$842,000	2,949
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	3,388
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$17,000	976
Net operating income	$842,000	2,897
2008-03-31 (YTD Data)		Rank
Total interest income	$3,378,000	2,889
Total interest expense	$1,603,000	2,712
Net interest income	$1,775,000	3,026
Provision for loan and lease losses	$142,000	2,253
Total noninterest income	$546,000	2,101
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$265,000	1,632
Trading account gains and fees	$0	158
Additional Noninterest Income	$281,000	2,045
Total noninterest expense	$1,573,000	2,926
Salaries and employee benefits	$848,000	3,001
Premises and equipment expense	$151,000	3,967
Additional noninterest expense	$574,000	2,406
Pre-tax net operating income	$606,000	2,681
Securities gains (losses)	$0	2,688
Applicable income taxes	$199,000	1,979
Income before extraordinary items	$407,000	3,154
Extraordinary gains, net	$0	15
Net income	$407,000	3,156
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	2,888
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$9,000	838
Net operating income	$407,000	3,078
2007-12-31 (YTD Data)		Rank
Total interest income	$15,014,000	2,675
Total interest expense	$6,522,000	2,800
Net interest income	$8,492,000	2,580
Provision for loan and lease losses	$718,000	1,818
Total noninterest income	$2,550,000	1,860
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$1,125,000	1,591
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,425,000	1,739
Total noninterest expense	$6,001,000	2,965
Salaries and employee benefits	$3,064,000	3,170
Premises and equipment expense	$657,000	3,604
Additional noninterest expense	$2,280,000	2,365
Pre-tax net operating income	$4,323,000	1,860
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,558,000	1,382
Income before extraordinary items	$2,765,000	2,182
Extraordinary gains, net	$0	39
Net income	$2,765,000	2,181
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$468,000	1,767
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$5,000	1,271
Net operating income	$2,765,000	2,166
2007-09-30 (YTD Data)		Rank
Total interest income	$11,239,000	2,683
Total interest expense	$4,826,000	2,826
Net interest income	$6,413,000	2,583
Provision for loan and lease losses	$425,000	1,777
Total noninterest income	$1,867,000	1,891
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$825,000	1,600
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,042,000	1,782
Total noninterest expense	$4,467,000	2,967
Salaries and employee benefits	$2,270,000	3,187
Premises and equipment expense	$495,000	3,569
Additional noninterest expense	$1,702,000	2,330
Pre-tax net operating income	$3,388,000	1,904
Securities gains (losses)	$0	1,655
Applicable income taxes	$1,183,000	1,460
Income before extraordinary items	$2,205,000	2,192
Extraordinary gains, net	$0	33
Net income	$2,205,000	2,190
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$341,000	1,398
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$4,000	1,116
Net operating income	$2,205,000	2,180
2007-06-30 (YTD Data)		Rank
Total interest income	$7,418,000	2,722
Total interest expense	$3,179,000	2,857
Net interest income	$4,239,000	2,624
Provision for loan and lease losses	$232,000	1,948
Total noninterest income	$1,255,000	1,889
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$533,000	1,658
Trading account gains and fees	$0	168
Additional Noninterest Income	$722,000	1,733
Total noninterest expense	$3,019,000	2,965
Salaries and employee benefits	$1,515,000	3,216
Premises and equipment expense	$328,000	3,615
Additional noninterest expense	$1,176,000	2,256
Pre-tax net operating income	$2,243,000	1,967
Securities gains (losses)	$0	1,444
Applicable income taxes	$774,000	1,525
Income before extraordinary items	$1,469,000	2,241
Extraordinary gains, net	$0	29
Net income	$1,469,000	2,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$198,000	1,354
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$2,000	1,025
Net operating income	$1,469,000	2,227
2007-03-31 (YTD Data)		Rank
Total interest income	$3,675,000	2,740
Total interest expense	$1,576,000	2,863
Net interest income	$2,099,000	2,648
Provision for loan and lease losses	$116,000	1,836
Total noninterest income	$679,000	1,778
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$257,000	1,673
Trading account gains and fees	$0	195
Additional Noninterest Income	$422,000	1,543
Total noninterest expense	$1,541,000	2,908
Salaries and employee benefits	$761,000	3,227
Premises and equipment expense	$163,000	3,650
Additional noninterest expense	$617,000	2,127
Pre-tax net operating income	$1,121,000	1,977
Securities gains (losses)	$0	1,187
Applicable income taxes	$374,000	1,597
Income before extraordinary items	$747,000	2,191
Extraordinary gains, net	$0	22
Net income	$747,000	2,191
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$123,000	1,015
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$1,000	868
Net operating income	$747,000	2,182
2006-12-31 (YTD Data)		Rank
Total interest income	$13,446,000	2,802
Total interest expense	$5,234,000	2,922
Net interest income	$8,212,000	2,693
Provision for loan and lease losses	$614,000	1,575
Total noninterest income	$2,024,000	2,205
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,020,000	1,721
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,004,000	2,219
Total noninterest expense	$5,520,000	3,074
Salaries and employee benefits	$2,856,000	3,270
Premises and equipment expense	$658,000	3,503
Additional noninterest expense	$2,006,000	2,561
Pre-tax net operating income	$4,102,000	2,221
Securities gains (losses)	$0	1,687
Applicable income taxes	$1,457,000	1,707
Income before extraordinary items	$2,645,000	2,498
Extraordinary gains, net	$0	51
Net income	$2,645,000	2,499
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$394,000	1,399
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$15,000	1,123
Net operating income	$2,645,000	2,481
2006-09-30 (YTD Data)		Rank
Total interest income	$9,825,000	2,846
Total interest expense	$3,740,000	2,953
Net interest income	$6,085,000	2,750
Provision for loan and lease losses	$410,000	1,662
Total noninterest income	$1,509,000	2,214
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$768,000	1,718
Trading account gains and fees	$0	126
Additional Noninterest Income	$741,000	2,253
Total noninterest expense	$4,067,000	3,125
Salaries and employee benefits	$2,107,000	3,306
Premises and equipment expense	$484,000	3,559
Additional noninterest expense	$1,476,000	2,608
Pre-tax net operating income	$3,117,000	2,267
Securities gains (losses)	$0	1,388
Applicable income taxes	$1,096,000	1,766
Income before extraordinary items	$2,021,000	2,540
Extraordinary gains, net	$0	45
Net income	$2,021,000	2,542
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$192,000	1,563
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$15,000	928
Net operating income	$2,021,000	2,528
2006-06-30 (YTD Data)		Rank
Total interest income	$6,377,000	2,874
Total interest expense	$2,387,000	2,936
Net interest income	$3,990,000	2,791
Provision for loan and lease losses	$281,000	1,599
Total noninterest income	$1,022,000	2,184
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$510,000	1,718
Trading account gains and fees	$0	126
Additional Noninterest Income	$512,000	2,180
Total noninterest expense	$2,697,000	3,139
Salaries and employee benefits	$1,371,000	3,380
Premises and equipment expense	$321,000	3,570
Additional noninterest expense	$1,005,000	2,554
Pre-tax net operating income	$2,034,000	2,276
Securities gains (losses)	$0	1,185
Applicable income taxes	$743,000	1,774
Income before extraordinary items	$1,291,000	2,631
Extraordinary gains, net	$0	39
Net income	$1,291,000	2,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$156,000	1,294
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$4,000	839
Net operating income	$1,291,000	2,618
2006-03-31 (YTD Data)		Rank
Total interest income	$3,123,000	2,874
Total interest expense	$1,155,000	2,890
Net interest income	$1,968,000	2,809
Provision for loan and lease losses	$83,000	2,300
Total noninterest income	$517,000	2,150
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$243,000	1,737
Trading account gains and fees	$0	115
Additional Noninterest Income	$274,000	2,064
Total noninterest expense	$1,316,000	3,229
Salaries and employee benefits	$693,000	3,370
Premises and equipment expense	$156,000	3,660
Additional noninterest expense	$467,000	2,706
Pre-tax net operating income	$1,086,000	2,138
Securities gains (losses)	$0	955
Applicable income taxes	$397,000	1,664
Income before extraordinary items	$689,000	2,472
Extraordinary gains, net	$0	21
Net income	$689,000	2,474
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	2,001
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$689,000	2,452
2005-12-31 (YTD Data)		Rank
Total interest income	$10,668,000	2,980
Total interest expense	$3,682,000	2,835
Net interest income	$6,986,000	3,045
Provision for loan and lease losses	$461,000	2,025
Total noninterest income	$2,029,000	2,185
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$991,000	1,748
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,038,000	2,158
Total noninterest expense	$5,145,000	3,157
Salaries and employee benefits	$2,536,000	3,442
Premises and equipment expense	$670,000	3,352
Additional noninterest expense	$1,939,000	2,565
Pre-tax net operating income	$3,409,000	2,494
Securities gains (losses)	$0	2,296
Applicable income taxes	$1,205,000	2,004
Income before extraordinary items	$2,204,000	2,847
Extraordinary gains, net	$0	46
Net income	$2,204,000	2,848
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$444,000	1,282
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,204,000	2,814
2005-09-30 (YTD Data)		Rank
Total interest income	$7,690,000	3,039
Total interest expense	$2,618,000	2,821
Net interest income	$5,072,000	3,113
Provision for loan and lease losses	$276,000	2,340
Total noninterest income	$1,535,000	2,165
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$733,000	1,755
Trading account gains and fees	$0	126
Additional Noninterest Income	$802,000	2,113
Total noninterest expense	$3,833,000	3,146
Salaries and employee benefits	$1,869,000	3,461
Premises and equipment expense	$493,000	3,395
Additional noninterest expense	$1,471,000	2,500
Pre-tax net operating income	$2,498,000	2,572
Securities gains (losses)	$0	2,317
Applicable income taxes	$944,000	1,958
Income before extraordinary items	$1,554,000	3,038
Extraordinary gains, net	$0	35
Net income	$1,554,000	3,039
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$290,000	1,289
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,554,000	3,002
2005-06-30 (YTD Data)		Rank
Total interest income	$4,903,000	3,091
Total interest expense	$1,637,000	2,838
Net interest income	$3,266,000	3,181
Provision for loan and lease losses	$173,000	2,424
Total noninterest income	$899,000	2,361
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$460,000	1,822
Trading account gains and fees	$0	116
Additional Noninterest Income	$439,000	2,383
Total noninterest expense	$2,495,000	3,200
Salaries and employee benefits	$1,229,000	3,490
Premises and equipment expense	$327,000	3,379
Additional noninterest expense	$939,000	2,593
Pre-tax net operating income	$1,497,000	2,760
Securities gains (losses)	$0	2,146
Applicable income taxes	$566,000	2,088
Income before extraordinary items	$931,000	3,269
Extraordinary gains, net	$0	30
Net income	$931,000	3,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$177,000	1,314
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$931,000	3,222
2005-03-31 (YTD Data)		Rank
Total interest income	$2,343,000	3,172
Total interest expense	$768,000	2,895
Net interest income	$1,575,000	3,275
Provision for loan and lease losses	$120,000	1,733
Total noninterest income	$455,000	2,286
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$225,000	1,799
Trading account gains and fees	$0	115
Additional Noninterest Income	$230,000	2,274
Total noninterest expense	$1,260,000	3,176
Salaries and employee benefits	$636,000	3,391
Premises and equipment expense	$161,000	3,448
Additional noninterest expense	$463,000	2,620
Pre-tax net operating income	$650,000	3,040
Securities gains (losses)	$0	1,685
Applicable income taxes	$248,000	2,285
Income before extraordinary items	$402,000	3,609
Extraordinary gains, net	$0	24
Net income	$402,000	3,611
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	1,389
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$402,000	3,575
2004-12-31 (YTD Data)		Rank
Total interest income	$8,448,000	3,274
Total interest expense	$2,461,000	3,088
Net interest income	$5,987,000	3,297
Provision for loan and lease losses	$325,000	2,753
Total noninterest income	$2,290,000	1,997
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$950,000	1,841
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,340,000	1,766
Total noninterest expense	$5,114,000	3,045
Salaries and employee benefits	$2,615,000	3,227
Premises and equipment expense	$697,000	3,141
Additional noninterest expense	$1,802,000	2,649
Pre-tax net operating income	$2,838,000	2,713
Securities gains (losses)	$0	3,819
Applicable income taxes	$1,002,000	2,148
Income before extraordinary items	$1,836,000	3,137
Extraordinary gains, net	$0	34
Net income	$1,836,000	3,136
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$141,000	3,122
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,836,000	3,077
2004-09-30 (YTD Data)		Rank
Total interest income	$6,174,000	3,311
Total interest expense	$1,766,000	3,148
Net interest income	$4,408,000	3,328
Provision for loan and lease losses	$208,000	2,927
Total noninterest income	$1,877,000	1,875
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$710,000	1,865
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,167,000	1,587
Total noninterest expense	$3,816,000	3,034
Salaries and employee benefits	$1,944,000	3,217
Premises and equipment expense	$527,000	3,118
Additional noninterest expense	$1,345,000	2,630
Pre-tax net operating income	$2,261,000	2,598
Securities gains (losses)	$0	3,710
Applicable income taxes	$872,000	1,981
Income before extraordinary items	$1,389,000	3,162
Extraordinary gains, net	$0	26
Net income	$1,389,000	3,163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$123,000	2,513
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,389,000	3,082
2004-06-30 (YTD Data)		Rank
Total interest income	$4,042,000	3,359
Total interest expense	$1,111,000	3,278
Net interest income	$2,931,000	3,331
Provision for loan and lease losses	$127,000	3,016
Total noninterest income	$1,395,000	1,703
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$458,000	1,899
Trading account gains and fees	$0	130
Additional Noninterest Income	$937,000	1,394
Total noninterest expense	$2,478,000	3,126
Salaries and employee benefits	$1,288,000	3,246
Premises and equipment expense	$370,000	2,982
Additional noninterest expense	$820,000	2,876
Pre-tax net operating income	$1,721,000	2,307
Securities gains (losses)	$0	3,413
Applicable income taxes	$664,000	1,779
Income before extraordinary items	$1,057,000	2,799
Extraordinary gains, net	$0	21
Net income	$1,057,000	2,800
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	2,313
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,057,000	2,728
2004-03-31 (YTD Data)		Rank
Total interest income	$1,988,000	3,405
Total interest expense	$524,000	3,498
Net interest income	$1,464,000	3,326
Provision for loan and lease losses	$85,000	2,404
Total noninterest income	$492,000	2,186
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$216,000	1,940
Trading account gains and fees	$0	121
Additional Noninterest Income	$276,000	1,984
Total noninterest expense	$1,201,000	3,222
Salaries and employee benefits	$637,000	3,293
Premises and equipment expense	$178,000	3,109
Additional noninterest expense	$386,000	3,009
Pre-tax net operating income	$670,000	2,793
Securities gains (losses)	$0	2,934
Applicable income taxes	$258,000	2,149
Income before extraordinary items	$412,000	3,425
Extraordinary gains, net	$0	16
Net income	$412,000	3,424
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	1,595
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$412,000	3,313
2003-12-31 (YTD Data)		Rank
Total interest income	$7,384,000	3,649
Total interest expense	$1,976,000	4,064
Net interest income	$5,408,000	3,481
Provision for loan and lease losses	$379,000	2,696
Total noninterest income	$1,855,000	2,440
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$806,000	2,109
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,049,000	2,318
Total noninterest expense	$4,862,000	3,121
Salaries and employee benefits	$2,329,000	3,462
Premises and equipment expense	$629,000	3,392
Additional noninterest expense	$1,904,000	2,521
Pre-tax net operating income	$2,022,000	3,373
Securities gains (losses)	$0	4,500
Applicable income taxes	$759,000	2,633
Income before extraordinary items	$1,263,000	3,999
Extraordinary gains, net	$0	54
Net income	$1,263,000	4,000
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	4,052
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$-12,000	9,072
Net operating income	$1,263,000	3,826
2003-09-30 (YTD Data)		Rank
Total interest income	$5,408,000	3,775
Total interest expense	$1,488,000	4,170
Net interest income	$3,920,000	3,582
Provision for loan and lease losses	$181,000	3,491
Total noninterest income	$1,325,000	2,582
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$605,000	2,130
Trading account gains and fees	$0	153
Additional Noninterest Income	$720,000	2,511
Total noninterest expense	$3,356,000	3,353
Salaries and employee benefits	$1,686,000	3,544
Premises and equipment expense	$452,000	3,511
Additional noninterest expense	$1,218,000	2,848
Pre-tax net operating income	$1,708,000	3,208
Securities gains (losses)	$0	4,204
Applicable income taxes	$660,000	2,485
Income before extraordinary items	$1,048,000	3,870
Extraordinary gains, net	$0	40
Net income	$1,048,000	3,869
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,281
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$-12,000	9,139
Net operating income	$1,048,000	3,712
2003-06-30 (YTD Data)		Rank
Total interest income	$3,501,000	3,897
Total interest expense	$1,007,000	4,232
Net interest income	$2,494,000	3,704
Provision for loan and lease losses	$209,000	2,457
Total noninterest income	$1,119,000	2,175
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$400,000	2,096
Trading account gains and fees	$0	150
Additional Noninterest Income	$719,000	1,928
Total noninterest expense	$2,113,000	3,524
Salaries and employee benefits	$1,058,000	3,741
Premises and equipment expense	$277,000	3,722
Additional noninterest expense	$778,000	2,935
Pre-tax net operating income	$1,291,000	2,923
Securities gains (losses)	$0	3,782
Applicable income taxes	$499,000	2,316
Income before extraordinary items	$792,000	3,535
Extraordinary gains, net	$0	30
Net income	$792,000	3,535
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-32,000	8,885
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$-12,000	9,191
Net operating income	$792,000	3,340
2003-03-31 (YTD Data)		Rank
Total interest income	$1,716,000	3,986
Total interest expense	$515,000	4,248
Net interest income	$1,201,000	3,817
Provision for loan and lease losses	$147,000	1,834
Total noninterest income	$450,000	2,475
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$189,000	2,117
Trading account gains and fees	$0	134
Additional Noninterest Income	$261,000	2,304
Total noninterest expense	$965,000	3,775
Salaries and employee benefits	$498,000	3,917
Premises and equipment expense	$115,000	4,305
Additional noninterest expense	$352,000	3,176
Pre-tax net operating income	$539,000	3,328
Securities gains (losses)	$0	2,891
Applicable income taxes	$208,000	2,624
Income before extraordinary items	$331,000	3,968
Extraordinary gains, net	$0	21
Net income	$331,000	3,966
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-36,000	9,043
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$331,000	3,780
2002-12-31 (YTD Data)		Rank
Total interest income	$6,674,000	4,210
Total interest expense	$2,096,000	4,646
Net interest income	$4,578,000	3,933
Provision for loan and lease losses	$651,000	1,936
Total noninterest income	$1,476,000	2,645
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$619,000	2,513
Trading account gains and fees	$0	153
Additional Noninterest Income	$857,000	2,400
Total noninterest expense	$3,737,000	3,750
Salaries and employee benefits	$1,896,000	3,922
Premises and equipment expense	$476,000	4,088
Additional noninterest expense	$1,365,000	3,213
Pre-tax net operating income	$1,666,000	3,832
Securities gains (losses)	$0	4,537
Applicable income taxes	$619,000	3,068
Income before extraordinary items	$1,047,000	4,473
Extraordinary gains, net	$0	70
Net income	$1,047,000	4,474
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	4,736
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$18,000	774
Net operating income	$1,047,000	4,360
2001-12-31 (YTD Data)		Rank
Total interest income	$6,404,000	4,733
Total interest expense	$2,963,000	4,782
Net interest income	$3,441,000	4,613
Provision for loan and lease losses	$450,000	2,395
Total noninterest income	$1,086,000	3,149
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$536,000	2,675
Trading account gains and fees	$0	177
Additional Noninterest Income	$550,000	2,973
Total noninterest expense	$3,220,000	4,107
Salaries and employee benefits	$1,552,000	4,395
Premises and equipment expense	$464,000	4,136
Additional noninterest expense	$1,204,000	3,490
Pre-tax net operating income	$857,000	5,317
Securities gains (losses)	$0	4,612
Applicable income taxes	$340,000	4,036
Income before extraordinary items	$517,000	5,980
Extraordinary gains, net	$0	105
Net income	$517,000	5,981
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	4,943
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$100,000	649
Net operating income	$517,000	5,874
2000-12-31 (YTD Data)		Rank
Total interest income	$5,290,000	5,534
Total interest expense	$2,570,000	5,454
Net interest income	$2,720,000	5,509
Provision for loan and lease losses	$211,000	3,618
Total noninterest income	$493,000	4,954
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$261,000	4,412
Trading account gains and fees	NA	NA
Additional Noninterest Income	$232,000	4,449
Total noninterest expense	$2,312,000	5,133
Salaries and employee benefits	$1,135,000	5,436
Premises and equipment expense	$374,000	4,722
Additional noninterest expense	$803,000	4,736
Pre-tax net operating income	$690,000	6,263
Securities gains (losses)	$0	1,956
Applicable income taxes	$203,000	5,351
Income before extraordinary items	$487,000	6,394
Extraordinary gains, net	$0	38
Net income	$487,000	6,392
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,205
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$1,348,000	413
Net operating income	$487,000	6,403
1999-12-31 (YTD Data)		Rank
Total interest income	$3,409,000	6,919
Total interest expense	$1,570,000	6,796
Net interest income	$1,839,000	6,933
Provision for loan and lease losses	$151,000	4,227
Total noninterest income	$396,000	5,651
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$220,000	4,868
Trading account gains and fees	NA	NA
Additional Noninterest Income	$176,000	5,232
Total noninterest expense	$1,641,000	6,438
Salaries and employee benefits	$871,000	6,447
Premises and equipment expense	$179,000	7,145
Additional noninterest expense	$591,000	5,887
Pre-tax net operating income	$443,000	7,403
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$443,000	6,746
Extraordinary gains, net	$0	35
Net income	$443,000	6,743
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,271
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$2,000	1,019
Net operating income	$443,000	6,719
1998-12-31 (YTD Data)		Rank
Total interest income	$2,323,000	8,285
Total interest expense	$1,046,000	8,298
Net interest income	$1,277,000	8,171
Provision for loan and lease losses	$214,000	3,381
Total noninterest income	$394,000	5,665
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$127,000	6,326
Trading account gains and fees	NA	NA
Additional Noninterest Income	$267,000	4,263
Total noninterest expense	$1,260,000	7,377
Salaries and employee benefits	$665,000	7,404
Premises and equipment expense	$113,000	8,421
Additional noninterest expense	$482,000	6,561
Pre-tax net operating income	$197,000	8,912
Securities gains (losses)	$0	4,449
Applicable income taxes	$0	9,340
Income before extraordinary items	$197,000	8,642
Extraordinary gains, net	$0	32
Net income	$197,000	8,641
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	5,908
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$197,000	8,572
1997-12-31 (YTD Data)		Rank
Total interest income	$1,373,000	9,842
Total interest expense	$530,000	10,024
Net interest income	$843,000	9,565
Provision for loan and lease losses	$237,000	3,092
Total noninterest income	$149,000	8,603
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$75,000	7,762
Trading account gains and fees	NA	NA
Additional Noninterest Income	$74,000	7,572
Total noninterest expense	$930,000	8,581
Salaries and employee benefits	$516,000	8,489
Premises and equipment expense	$112,000	8,682
Additional noninterest expense	$302,000	8,301
Pre-tax net operating income	$-175,000	10,546
Securities gains (losses)	$0	3,944
Applicable income taxes	$0	10,065
Income before extraordinary items	$-175,000	10,585
Extraordinary gains, net	$0	44
Net income	$-175,000	10,585
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,728
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-175,000	10,557
1996-12-31 (YTD Data)		Rank
Total interest income	$340,000	11,329
Total interest expense	$63,000	11,354
Net interest income	$277,000	11,263
Provision for loan and lease losses	$100,000	5,070
Total noninterest income	$17,000	11,258
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$10,000	9,750
Trading account gains and fees	NA	NA
Additional Noninterest Income	$7,000	11,116
Total noninterest expense	$734,000	9,691
Salaries and employee benefits	$371,000	9,806
Premises and equipment expense	$50,000	10,636
Additional noninterest expense	$313,000	8,736
Pre-tax net operating income	$-540,000	11,253
Securities gains (losses)	$0	4,148
Applicable income taxes	$0	10,572
Income before extraordinary items	$-540,000	11,280
Extraordinary gains, net	$0	53
Net income	$-540,000	11,279
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$5,703,000	124
Net operating income	$-540,000	11,253

* 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.