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The Napoleon State Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$21,152,000	1,813
Total interest expense	$4,044,000	2,268
Net interest income	$17,108,000	1,632
Provision for loan and lease losses	$519,000	1,258
Total noninterest income	$1,797,000	2,128
Gross Fiduciary activities income	$7,000	878
Service charges on deposit accounts	$294,000	2,217
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,496,000	1,890
Total noninterest expense	$11,001,000	1,920
Salaries and employee benefits	$5,743,000	2,009
Premises and equipment expense	$1,273,000	1,729
Additional noninterest expense	$1,496,000	1,890
Pre-tax net operating income	$7,385,000	1,484
Securities gains (losses)	$0	988
Applicable income taxes	$1,751,000	1,072
Income before extraordinary items	$5,634,000	1,588
Extraordinary gains, net	$0	54
Net income	$5,634,000	1,606
Minority interest net income	$0	88
Net income of bank and minority interests.	$5,634,000	1,591
Net charge-offs	$492,000	760
Cash dividends	$1,139,000	2,036
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$5,634,000	1,619
2023-09-30 (YTD Data)		Rank
Total interest income	$15,310,000	1,830
Total interest expense	$2,699,000	2,280
Net interest income	$12,611,000	1,667
Provision for loan and lease losses	$381,000	1,170
Total noninterest income	$1,337,000	2,132
Gross Fiduciary activities income	$2,000	887
Service charges on deposit accounts	$210,000	2,286
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,125,000	1,876
Total noninterest expense	$8,161,000	1,933
Salaries and employee benefits	$4,195,000	2,048
Premises and equipment expense	$958,000	1,735
Additional noninterest expense	$1,125,000	1,876
Pre-tax net operating income	$5,406,000	1,567
Securities gains (losses)	$0	849
Applicable income taxes	$1,281,000	1,107
Income before extraordinary items	$4,125,000	1,674
Extraordinary gains, net	$0	52
Net income	$4,125,000	1,687
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,125,000	1,674
Net charge-offs	$434,000	622
Cash dividends	$274,000	2,620
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$4,125,000	1,700
2023-06-30 (YTD Data)		Rank
Total interest income	$9,807,000	1,853
Total interest expense	$1,589,000	2,272
Net interest income	$8,218,000	1,710
Provision for loan and lease losses	$260,000	1,149
Total noninterest income	$892,000	2,074
Gross Fiduciary activities income	$1,000	884
Service charges on deposit accounts	$127,000	2,406
Trading account gains and fees	NA	NA
Additional Noninterest Income	$764,000	1,791
Total noninterest expense	$5,286,000	1,966
Salaries and employee benefits	$2,763,000	2,061
Premises and equipment expense	$656,000	1,691
Additional noninterest expense	$764,000	1,789
Pre-tax net operating income	$3,564,000	1,572
Securities gains (losses)	$0	938
Applicable income taxes	$844,000	1,115
Income before extraordinary items	$2,720,000	1,684
Extraordinary gains, net	$0	51
Net income	$2,720,000	1,704
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,720,000	1,684
Net charge-offs	$246,000	612
Cash dividends	$274,000	2,366
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,720,000	1,695
2023-03-31 (YTD Data)		Rank
Total interest income	$4,554,000	1,943
Total interest expense	$654,000	2,320
Net interest income	$3,900,000	1,790
Provision for loan and lease losses	$192,000	910
Total noninterest income	$437,000	2,101
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$53,000	2,633
Trading account gains and fees	NA	NA
Additional Noninterest Income	$384,000	1,779
Total noninterest expense	$2,504,000	2,066
Salaries and employee benefits	$1,331,000	2,132
Premises and equipment expense	$336,000	1,699
Additional noninterest expense	$384,000	1,779
Pre-tax net operating income	$1,641,000	1,682
Securities gains (losses)	$0	950
Applicable income taxes	$279,000	1,451
Income before extraordinary items	$1,362,000	1,705
Extraordinary gains, net	$0	4
Net income	$1,362,000	1,704
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,362,000	1,705
Net charge-offs	$205,000	430
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,362,000	1,726
2022-12-31 (YTD Data)		Rank
Total interest income	$15,266,000	1,925
Total interest expense	$1,734,000	1,757
Net interest income	$13,532,000	1,933
Provision for loan and lease losses	$200,000	1,781
Total noninterest income	$2,139,000	1,977
Gross Fiduciary activities income	$7,000	913
Service charges on deposit accounts	$286,000	2,304
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,846,000	1,699
Total noninterest expense	$10,017,000	2,014
Salaries and employee benefits	$5,372,000	2,079
Premises and equipment expense	$1,308,000	1,696
Additional noninterest expense	$1,846,000	1,699
Pre-tax net operating income	$5,454,000	1,939
Securities gains (losses)	$0	691
Applicable income taxes	$1,280,000	1,376
Income before extraordinary items	$4,174,000	2,048
Extraordinary gains, net	$0	5
Net income	$4,174,000	2,047
Minority interest net income	$0	63
Net income of bank and minority interests.	$4,174,000	2,047
Net charge-offs	$137,000	1,092
Cash dividends	$1,004,000	2,142
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$4,174,000	2,075
2022-09-30 (YTD Data)		Rank
Total interest income	$10,855,000	1,949
Total interest expense	$1,298,000	1,461
Net interest income	$9,557,000	1,997
Provision for loan and lease losses	$110,000	1,814
Total noninterest income	$1,688,000	1,946
Gross Fiduciary activities income	$2,000	923
Service charges on deposit accounts	$202,000	2,395
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,484,000	1,661
Total noninterest expense	$7,135,000	2,069
Salaries and employee benefits	$3,772,000	2,172
Premises and equipment expense	$980,000	1,713
Additional noninterest expense	$1,484,000	1,661
Pre-tax net operating income	$4,000,000	1,943
Securities gains (losses)	$0	740
Applicable income taxes	$937,000	1,390
Income before extraordinary items	$3,063,000	2,060
Extraordinary gains, net	$0	4
Net income	$3,063,000	2,059
Minority interest net income	$0	57
Net income of bank and minority interests.	$3,063,000	2,059
Net charge-offs	$109,000	900
Cash dividends	$183,000	2,755
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$3,063,000	2,088
2022-06-30 (YTD Data)		Rank
Total interest income	$6,879,000	1,977
Total interest expense	$917,000	1,223
Net interest income	$5,962,000	2,052
Provision for loan and lease losses	$30,000	2,075
Total noninterest income	$1,109,000	1,953
Gross Fiduciary activities income	$2,000	874
Service charges on deposit accounts	$121,000	2,532
Trading account gains and fees	NA	NA
Additional Noninterest Income	$986,000	1,692
Total noninterest expense	$4,689,000	2,076
Salaries and employee benefits	$2,493,000	2,185
Premises and equipment expense	$650,000	1,731
Additional noninterest expense	$1,546,000	1,951
Pre-tax net operating income	$2,352,000	2,001
Securities gains (losses)	$0	687
Applicable income taxes	$549,000	1,416
Income before extraordinary items	$1,803,000	2,119
Extraordinary gains, net	$0	4
Net income	$1,803,000	2,120
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,803,000	2,119
Net charge-offs	$15,000	1,434
Cash dividends	$183,000	2,516
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,803,000	2,160
2022-03-31 (YTD Data)		Rank
Total interest income	$3,318,000	1,974
Total interest expense	$478,000	1,144
Net interest income	$2,840,000	2,068
Provision for loan and lease losses	$30,000	1,548
Total noninterest income	$562,000	1,934
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$50,000	2,748
Trading account gains and fees	NA	NA
Additional Noninterest Income	$512,000	1,651
Total noninterest expense	$2,292,000	2,095
Salaries and employee benefits	$1,210,000	2,227
Premises and equipment expense	$332,000	1,718
Additional noninterest expense	$750,000	1,985
Pre-tax net operating income	$1,080,000	2,011
Securities gains (losses)	$0	623
Applicable income taxes	$265,000	1,406
Income before extraordinary items	$815,000	2,171
Extraordinary gains, net	$0	4
Net income	$815,000	2,171
Minority interest net income	$0	50
Net income of bank and minority interests.	$815,000	2,171
Net charge-offs	$13,000	1,108
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$815,000	2,191
2021-12-31 (YTD Data)		Rank
Total interest income	$14,158,000	1,952
Total interest expense	$2,213,000	1,221
Net interest income	$11,945,000	2,030
Provision for loan and lease losses	$205,000	1,716
Total noninterest income	$3,394,000	1,658
Gross Fiduciary activities income	$7,000	887
Service charges on deposit accounts	$220,000	2,575
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,167,000	1,435
Total noninterest expense	$9,149,000	2,090
Salaries and employee benefits	$4,754,000	2,226
Premises and equipment expense	$1,285,000	1,730
Additional noninterest expense	$3,110,000	1,922
Pre-tax net operating income	$5,985,000	1,825
Securities gains (losses)	$0	2,062
Applicable income taxes	$1,511,000	1,307
Income before extraordinary items	$4,474,000	2,024
Extraordinary gains, net	$0	10
Net income	$4,474,000	2,025
Minority interest net income	$0	74
Net income of bank and minority interests.	$4,474,000	2,026
Net charge-offs	$65,000	1,536
Cash dividends	$1,004,000	2,196
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$4,474,000	2,004
2021-09-30 (YTD Data)		Rank
Total interest income	$10,720,000	1,975
Total interest expense	$1,695,000	1,264
Net interest income	$9,025,000	2,045
Provision for loan and lease losses	$150,000	1,662
Total noninterest income	$2,670,000	1,651
Gross Fiduciary activities income	$2,000	906
Service charges on deposit accounts	$154,000	2,658
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,514,000	1,441
Total noninterest expense	$6,556,000	2,165
Salaries and employee benefits	$3,385,000	2,310
Premises and equipment expense	$963,000	1,760
Additional noninterest expense	$2,208,000	2,005
Pre-tax net operating income	$4,989,000	1,766
Securities gains (losses)	$0	2,015
Applicable income taxes	$1,265,000	1,289
Income before extraordinary items	$3,724,000	1,972
Extraordinary gains, net	$0	8
Net income	$3,724,000	1,971
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,724,000	1,972
Net charge-offs	$17,000	1,801
Cash dividends	$183,000	2,882
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$3,724,000	1,947
2021-06-30 (YTD Data)		Rank
Total interest income	$6,882,000	2,016
Total interest expense	$1,165,000	1,279
Net interest income	$5,717,000	2,114
Provision for loan and lease losses	$100,000	1,668
Total noninterest income	$1,954,000	1,545
Gross Fiduciary activities income	$2,000	890
Service charges on deposit accounts	$88,000	2,813
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,864,000	1,346
Total noninterest expense	$4,208,000	2,210
Salaries and employee benefits	$2,116,000	2,419
Premises and equipment expense	$640,000	1,747
Additional noninterest expense	$1,452,000	2,022
Pre-tax net operating income	$3,363,000	1,716
Securities gains (losses)	$0	1,818
Applicable income taxes	$857,000	1,263
Income before extraordinary items	$2,506,000	1,937
Extraordinary gains, net	$0	6
Net income	$2,506,000	1,936
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,506,000	1,937
Net charge-offs	$4,000	1,958
Cash dividends	$183,000	2,660
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$2,506,000	1,901
2021-03-31 (YTD Data)		Rank
Total interest income	$3,136,000	2,151
Total interest expense	$563,000	1,384
Net interest income	$2,573,000	2,284
Provision for loan and lease losses	$100,000	1,234
Total noninterest income	$1,070,000	1,463
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$40,000	2,905
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,030,000	1,250
Total noninterest expense	$2,066,000	2,222
Salaries and employee benefits	$1,027,000	2,461
Premises and equipment expense	$319,000	1,761
Additional noninterest expense	$720,000	1,995
Pre-tax net operating income	$1,477,000	1,895
Securities gains (losses)	$0	1,392
Applicable income taxes	$375,000	1,366
Income before extraordinary items	$1,102,000	2,093
Extraordinary gains, net	$0	3
Net income	$1,102,000	2,094
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,102,000	2,093
Net charge-offs	$21,000	1,125
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,102,000	2,058
2020-12-31 (YTD Data)		Rank
Total interest income	$13,053,000	2,097
Total interest expense	$2,343,000	1,791
Net interest income	$10,710,000	2,150
Provision for loan and lease losses	$660,000	1,979
Total noninterest income	$3,835,000	1,506
Gross Fiduciary activities income	$6,000	923
Service charges on deposit accounts	$213,000	2,691
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,616,000	1,294
Total noninterest expense	$8,074,000	2,258
Salaries and employee benefits	$4,187,000	2,415
Premises and equipment expense	$1,094,000	1,906
Additional noninterest expense	$2,793,000	2,036
Pre-tax net operating income	$5,811,000	1,597
Securities gains (losses)	$0	2,675
Applicable income taxes	$1,482,000	1,145
Income before extraordinary items	$4,329,000	1,813
Extraordinary gains, net	$0	4
Net income	$4,329,000	1,812
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,329,000	1,813
Net charge-offs	$106,000	1,966
Cash dividends	$913,000	2,315
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$4,329,000	1,770
2020-09-30 (YTD Data)		Rank
Total interest income	$9,708,000	2,127
Total interest expense	$1,759,000	1,854
Net interest income	$7,949,000	2,153
Provision for loan and lease losses	$480,000	2,006
Total noninterest income	$2,657,000	1,529
Gross Fiduciary activities income	$2,000	929
Service charges on deposit accounts	$153,000	2,760
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,502,000	1,314
Total noninterest expense	$5,737,000	2,315
Salaries and employee benefits	$2,980,000	2,475
Premises and equipment expense	$799,000	1,941
Additional noninterest expense	$1,958,000	2,104
Pre-tax net operating income	$4,389,000	1,558
Securities gains (losses)	$0	2,494
Applicable income taxes	$1,114,000	1,103
Income before extraordinary items	$3,275,000	1,782
Extraordinary gains, net	$0	4
Net income	$3,275,000	1,782
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,275,000	1,782
Net charge-offs	$21,000	2,476
Cash dividends	$128,000	3,090
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$3,275,000	1,731
2020-06-30 (YTD Data)		Rank
Total interest income	$6,459,000	2,149
Total interest expense	$1,176,000	1,943
Net interest income	$5,283,000	2,172
Provision for loan and lease losses	$330,000	1,945
Total noninterest income	$1,465,000	1,645
Gross Fiduciary activities income	$2,000	908
Service charges on deposit accounts	$95,000	2,885
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,368,000	1,388
Total noninterest expense	$3,897,000	2,287
Salaries and employee benefits	$2,106,000	2,385
Premises and equipment expense	$528,000	1,950
Additional noninterest expense	$1,263,000	2,145
Pre-tax net operating income	$2,521,000	1,685
Securities gains (losses)	$0	2,249
Applicable income taxes	$639,000	1,144
Income before extraordinary items	$1,882,000	1,916
Extraordinary gains, net	$0	4
Net income	$1,882,000	1,917
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,882,000	1,917
Net charge-offs	$19,000	2,200
Cash dividends	$128,000	2,883
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,882,000	1,881
2020-03-31 (YTD Data)		Rank
Total interest income	$3,235,000	2,132
Total interest expense	$587,000	2,081
Net interest income	$2,648,000	2,118
Provision for loan and lease losses	$150,000	1,627
Total noninterest income	$470,000	2,008
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$57,000	2,902
Trading account gains and fees	NA	NA
Additional Noninterest Income	$413,000	1,695
Total noninterest expense	$1,952,000	2,307
Salaries and employee benefits	$1,084,000	2,348
Premises and equipment expense	$264,000	1,977
Additional noninterest expense	$604,000	2,243
Pre-tax net operating income	$1,016,000	1,808
Securities gains (losses)	$0	1,705
Applicable income taxes	$257,000	1,201
Income before extraordinary items	$759,000	2,059
Extraordinary gains, net	$0	4
Net income	$759,000	2,058
Minority interest net income	$0	56
Net income of bank and minority interests.	$759,000	2,059
Net charge-offs	$14,000	1,736
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$759,000	2,023
2019-12-31 (YTD Data)		Rank
Total interest income	$12,428,000	2,221
Total interest expense	$2,020,000	2,319
Net interest income	$10,408,000	2,160
Provision for loan and lease losses	$660,000	1,258
Total noninterest income	$1,751,000	2,119
Gross Fiduciary activities income	$15,000	894
Service charges on deposit accounts	$328,000	2,470
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,408,000	1,865
Total noninterest expense	$7,618,000	2,319
Salaries and employee benefits	$4,134,000	2,379
Premises and equipment expense	$947,000	2,107
Additional noninterest expense	$2,537,000	2,200
Pre-tax net operating income	$3,881,000	2,100
Securities gains (losses)	$0	2,379
Applicable income taxes	$981,000	1,448
Income before extraordinary items	$2,900,000	2,340
Extraordinary gains, net	$0	11
Net income	$2,900,000	2,343
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,900,000	2,342
Net charge-offs	$774,000	787
Cash dividends	$639,000	2,784
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,900,000	2,308
2019-09-30 (YTD Data)		Rank
Total interest income	$9,216,000	2,273
Total interest expense	$1,428,000	2,438
Net interest income	$7,788,000	2,198
Provision for loan and lease losses	$510,000	1,143
Total noninterest income	$1,166,000	2,255
Gross Fiduciary activities income	$5,000	927
Service charges on deposit accounts	$245,000	2,508
Trading account gains and fees	NA	NA
Additional Noninterest Income	$916,000	2,026
Total noninterest expense	$5,615,000	2,356
Salaries and employee benefits	$3,075,000	2,407
Premises and equipment expense	$695,000	2,157
Additional noninterest expense	$1,845,000	2,243
Pre-tax net operating income	$2,829,000	2,186
Securities gains (losses)	$0	2,167
Applicable income taxes	$714,000	1,516
Income before extraordinary items	$2,115,000	2,439
Extraordinary gains, net	$0	11
Net income	$2,115,000	2,440
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,115,000	2,440
Net charge-offs	$413,000	847
Cash dividends	$128,000	3,275
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,115,000	2,409
2019-06-30 (YTD Data)		Rank
Total interest income	$6,034,000	2,303
Total interest expense	$884,000	2,532
Net interest income	$5,150,000	2,221
Provision for loan and lease losses	$350,000	1,094
Total noninterest income	$618,000	2,516
Gross Fiduciary activities income	$4,000	918
Service charges on deposit accounts	$154,000	2,581
Trading account gains and fees	NA	NA
Additional Noninterest Income	$460,000	2,304
Total noninterest expense	$3,659,000	2,401
Salaries and employee benefits	$2,022,000	2,444
Premises and equipment expense	$444,000	2,231
Additional noninterest expense	$1,193,000	2,297
Pre-tax net operating income	$1,759,000	2,262
Securities gains (losses)	$0	1,702
Applicable income taxes	$443,000	1,545
Income before extraordinary items	$1,316,000	2,516
Extraordinary gains, net	$0	11
Net income	$1,316,000	2,515
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,316,000	2,515
Net charge-offs	$282,000	819
Cash dividends	$128,000	3,076
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,316,000	2,490
2019-03-31 (YTD Data)		Rank
Total interest income	$2,922,000	2,354
Total interest expense	$409,000	2,609
Net interest income	$2,513,000	2,262
Provision for loan and lease losses	$165,000	1,082
Total noninterest income	$280,000	2,607
Gross Fiduciary activities income	$3,000	886
Service charges on deposit accounts	$68,000	2,793
Trading account gains and fees	NA	NA
Additional Noninterest Income	$209,000	2,361
Total noninterest expense	$1,719,000	2,514
Salaries and employee benefits	$977,000	2,524
Premises and equipment expense	$220,000	2,264
Additional noninterest expense	$522,000	2,507
Pre-tax net operating income	$909,000	2,177
Securities gains (losses)	$0	1,087
Applicable income taxes	$229,000	1,472
Income before extraordinary items	$680,000	2,403
Extraordinary gains, net	$0	5
Net income	$680,000	2,402
Minority interest net income	$0	52
Net income of bank and minority interests.	$680,000	2,402
Net charge-offs	$42,000	1,319
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$680,000	2,389
2018-12-31 (YTD Data)		Rank
Total interest income	$10,936,000	2,376
Total interest expense	$1,320,000	2,527
Net interest income	$9,616,000	2,311
Provision for loan and lease losses	$600,000	1,277
Total noninterest income	$1,454,000	2,374
Gross Fiduciary activities income	$16,000	925
Service charges on deposit accounts	$322,000	2,637
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,116,000	2,123
Total noninterest expense	$5,913,000	2,746
Salaries and employee benefits	$3,361,000	2,746
Premises and equipment expense	$792,000	2,378
Additional noninterest expense	$1,760,000	2,841
Pre-tax net operating income	$4,557,000	1,910
Securities gains (losses)	$0	1,125
Applicable income taxes	$1,156,000	1,254
Income before extraordinary items	$3,401,000	2,135
Extraordinary gains, net	$0	6
Net income	$3,401,000	2,133
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,401,000	2,134
Net charge-offs	$217,000	1,589
Cash dividends	$602,000	2,773
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,401,000	2,128
2018-09-30 (YTD Data)		Rank
Total interest income	$8,000,000	2,415
Total interest expense	$954,000	2,509
Net interest income	$7,046,000	2,368
Provision for loan and lease losses	$450,000	1,204
Total noninterest income	$1,053,000	2,428
Gross Fiduciary activities income	$8,000	921
Service charges on deposit accounts	$234,000	2,704
Trading account gains and fees	NA	NA
Additional Noninterest Income	$811,000	2,179
Total noninterest expense	$4,320,000	2,800
Salaries and employee benefits	$2,426,000	2,828
Premises and equipment expense	$590,000	2,412
Additional noninterest expense	$1,304,000	2,852
Pre-tax net operating income	$3,329,000	1,980
Securities gains (losses)	$0	1,118
Applicable income taxes	$843,000	1,318
Income before extraordinary items	$2,486,000	2,180
Extraordinary gains, net	$0	5
Net income	$2,486,000	2,178
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,486,000	2,179
Net charge-offs	$113,000	1,644
Cash dividends	$128,000	3,282
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,486,000	2,182
2018-06-30 (YTD Data)		Rank
Total interest income	$5,174,000	2,443
Total interest expense	$611,000	2,493
Net interest income	$4,563,000	2,420
Provision for loan and lease losses	$300,000	1,165
Total noninterest income	$690,000	2,461
Gross Fiduciary activities income	$6,000	925
Service charges on deposit accounts	$149,000	2,767
Trading account gains and fees	NA	NA
Additional Noninterest Income	$535,000	2,198
Total noninterest expense	$2,809,000	2,872
Salaries and employee benefits	$1,560,000	2,915
Premises and equipment expense	$391,000	2,451
Additional noninterest expense	$858,000	2,909
Pre-tax net operating income	$2,144,000	2,000
Securities gains (losses)	$0	961
Applicable income taxes	$549,000	1,333
Income before extraordinary items	$1,595,000	2,211
Extraordinary gains, net	$0	6
Net income	$1,595,000	2,208
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,595,000	2,210
Net charge-offs	$56,000	1,684
Cash dividends	$128,000	3,057
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,595,000	2,207
2018-03-31 (YTD Data)		Rank
Total interest income	$2,545,000	2,466
Total interest expense	$293,000	2,498
Net interest income	$2,252,000	2,439
Provision for loan and lease losses	$150,000	1,106
Total noninterest income	$316,000	2,554
Gross Fiduciary activities income	$5,000	887
Service charges on deposit accounts	$71,000	2,863
Trading account gains and fees	NA	NA
Additional Noninterest Income	$240,000	2,273
Total noninterest expense	$1,451,000	2,839
Salaries and employee benefits	$849,000	2,784
Premises and equipment expense	$188,000	2,541
Additional noninterest expense	$414,000	3,000
Pre-tax net operating income	$967,000	2,088
Securities gains (losses)	$0	735
Applicable income taxes	$243,000	1,390
Income before extraordinary items	$724,000	2,329
Extraordinary gains, net	$0	7
Net income	$724,000	2,327
Minority interest net income	$0	52
Net income of bank and minority interests.	$724,000	2,329
Net charge-offs	$23,000	1,592
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$724,000	2,315
2017-12-31 (YTD Data)		Rank
Total interest income	$9,630,000	2,521
Total interest expense	$1,013,000	2,525
Net interest income	$8,617,000	2,499
Provision for loan and lease losses	$560,000	1,347
Total noninterest income	$1,413,000	2,481
Gross Fiduciary activities income	$10,000	980
Service charges on deposit accounts	$328,000	2,707
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,075,000	2,205
Total noninterest expense	$5,083,000	3,063
Salaries and employee benefits	$2,719,000	3,179
Premises and equipment expense	$762,000	2,529
Additional noninterest expense	$1,602,000	3,097
Pre-tax net operating income	$4,387,000	1,907
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,671,000	1,439
Income before extraordinary items	$2,716,000	2,206
Extraordinary gains, net	$0	9
Net income	$2,716,000	2,206
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,716,000	2,206
Net charge-offs	$130,000	2,202
Cash dividends	$457,000	3,051
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,716,000	2,186
2017-09-30 (YTD Data)		Rank
Total interest income	$7,103,000	2,565
Total interest expense	$755,000	2,518
Net interest income	$6,348,000	2,545
Provision for loan and lease losses	$370,000	1,427
Total noninterest income	$1,059,000	2,501
Gross Fiduciary activities income	$2,000	1,029
Service charges on deposit accounts	$236,000	2,803
Trading account gains and fees	NA	NA
Additional Noninterest Income	$821,000	2,218
Total noninterest expense	$3,795,000	3,089
Salaries and employee benefits	$2,040,000	3,189
Premises and equipment expense	$560,000	2,576
Additional noninterest expense	$1,195,000	3,111
Pre-tax net operating income	$3,242,000	1,943
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,209,000	1,292
Income before extraordinary items	$2,033,000	2,380
Extraordinary gains, net	$0	9
Net income	$2,033,000	2,379
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,033,000	2,380
Net charge-offs	$66,000	2,246
Cash dividends	$119,000	3,355
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,033,000	2,360
2017-06-30 (YTD Data)		Rank
Total interest income	$4,689,000	2,566
Total interest expense	$504,000	2,473
Net interest income	$4,185,000	2,554
Provision for loan and lease losses	$250,000	1,362
Total noninterest income	$662,000	2,578
Gross Fiduciary activities income	$1,000	1,033
Service charges on deposit accounts	$147,000	2,909
Trading account gains and fees	NA	NA
Additional Noninterest Income	$514,000	2,291
Total noninterest expense	$2,480,000	3,148
Salaries and employee benefits	$1,300,000	3,291
Premises and equipment expense	$374,000	2,586
Additional noninterest expense	$806,000	3,093
Pre-tax net operating income	$2,117,000	1,946
Securities gains (losses)	$0	1,906
Applicable income taxes	$792,000	1,277
Income before extraordinary items	$1,325,000	2,365
Extraordinary gains, net	$0	11
Net income	$1,325,000	2,366
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,325,000	2,366
Net charge-offs	$50,000	2,000
Cash dividends	$118,000	3,124
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,325,000	2,339
2017-03-31 (YTD Data)		Rank
Total interest income	$2,327,000	2,570
Total interest expense	$249,000	2,467
Net interest income	$2,078,000	2,570
Provision for loan and lease losses	$130,000	1,262
Total noninterest income	$290,000	2,752
Gross Fiduciary activities income	$1,000	986
Service charges on deposit accounts	$69,000	3,015
Trading account gains and fees	$0	142
Additional Noninterest Income	$220,000	2,457
Total noninterest expense	$1,300,000	3,093
Salaries and employee benefits	$696,000	3,205
Premises and equipment expense	$193,000	2,561
Additional noninterest expense	$411,000	3,063
Pre-tax net operating income	$938,000	2,045
Securities gains (losses)	$0	1,153
Applicable income taxes	$350,000	1,360
Income before extraordinary items	$588,000	2,483
Extraordinary gains, net	$0	8
Net income	$588,000	2,482
Minority interest net income	$0	55
Net income of bank and minority interests.	$588,000	2,483
Net charge-offs	$51,000	1,313
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$588,000	2,465
2016-12-31 (YTD Data)		Rank
Total interest income	$9,136,000	2,596
Total interest expense	$1,044,000	2,349
Net interest income	$8,092,000	2,599
Provision for loan and lease losses	$475,000	1,535
Total noninterest income	$1,460,000	2,525
Gross Fiduciary activities income	$14,000	989
Service charges on deposit accounts	$361,000	2,629
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,085,000	2,302
Total noninterest expense	$4,926,000	3,212
Salaries and employee benefits	$2,557,000	3,362
Premises and equipment expense	$712,000	2,697
Additional noninterest expense	$1,657,000	3,130
Pre-tax net operating income	$4,151,000	1,887
Securities gains (losses)	$0	3,212
Applicable income taxes	$1,576,000	1,231
Income before extraordinary items	$2,575,000	2,355
Extraordinary gains, net	$0	5
Net income	$2,575,000	2,352
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,575,000	2,354
Net charge-offs	$153,000	2,201
Cash dividends	$383,000	3,251
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,575,000	2,304
2016-09-30 (YTD Data)		Rank
Total interest income	$6,775,000	2,624
Total interest expense	$791,000	2,330
Net interest income	$5,984,000	2,637
Provision for loan and lease losses	$295,000	1,659
Total noninterest income	$1,105,000	2,512
Gross Fiduciary activities income	$6,000	1,010
Service charges on deposit accounts	$272,000	2,633
Trading account gains and fees	$0	169
Additional Noninterest Income	$827,000	2,277
Total noninterest expense	$3,746,000	3,188
Salaries and employee benefits	$1,946,000	3,319
Premises and equipment expense	$571,000	2,589
Additional noninterest expense	$1,229,000	3,167
Pre-tax net operating income	$3,048,000	1,939
Securities gains (losses)	$0	3,160
Applicable income taxes	$1,157,000	1,284
Income before extraordinary items	$1,891,000	2,438
Extraordinary gains, net	$0	5
Net income	$1,891,000	2,438
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,891,000	2,438
Net charge-offs	$27,000	2,972
Cash dividends	$101,000	3,467
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,891,000	2,374
2016-06-30 (YTD Data)		Rank
Total interest income	$4,471,000	2,648
Total interest expense	$541,000	2,300
Net interest income	$3,930,000	2,669
Provision for loan and lease losses	$190,000	1,677
Total noninterest income	$752,000	2,467
Gross Fiduciary activities income	$6,000	992
Service charges on deposit accounts	$174,000	2,675
Trading account gains and fees	$0	157
Additional Noninterest Income	$572,000	2,207
Total noninterest expense	$2,445,000	3,249
Salaries and employee benefits	$1,274,000	3,384
Premises and equipment expense	$370,000	2,661
Additional noninterest expense	$801,000	3,229
Pre-tax net operating income	$2,047,000	1,903
Securities gains (losses)	$0	2,835
Applicable income taxes	$776,000	1,271
Income before extraordinary items	$1,271,000	2,401
Extraordinary gains, net	$0	16
Net income	$1,271,000	2,400
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,271,000	2,400
Net charge-offs	$27,000	2,572
Cash dividends	$101,000	3,234
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,271,000	2,336
2016-03-31 (YTD Data)		Rank
Total interest income	$2,216,000	2,664
Total interest expense	$284,000	2,232
Net interest income	$1,932,000	2,702
Provision for loan and lease losses	$90,000	1,597
Total noninterest income	$331,000	2,605
Gross Fiduciary activities income	$4,000	964
Service charges on deposit accounts	$81,000	2,791
Trading account gains and fees	$0	142
Additional Noninterest Income	$246,000	2,361
Total noninterest expense	$1,267,000	3,192
Salaries and employee benefits	$679,000	3,278
Premises and equipment expense	$189,000	2,647
Additional noninterest expense	$399,000	3,241
Pre-tax net operating income	$906,000	2,068
Securities gains (losses)	$0	2,077
Applicable income taxes	$347,000	1,357
Income before extraordinary items	$559,000	2,563
Extraordinary gains, net	$0	12
Net income	$559,000	2,563
Minority interest net income	$0	62
Net income of bank and minority interests.	$559,000	2,563
Net charge-offs	$22,000	1,923
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$559,000	2,519
2015-12-31 (YTD Data)		Rank
Total interest income	$8,664,000	2,674
Total interest expense	$1,285,000	2,004
Net interest income	$7,379,000	2,758
Provision for loan and lease losses	$380,000	1,640
Total noninterest income	$1,298,000	2,679
Gross Fiduciary activities income	$16,000	1,008
Service charges on deposit accounts	$379,000	2,606
Trading account gains and fees	$0	159
Additional Noninterest Income	$903,000	2,509
Total noninterest expense	$4,825,000	3,303
Salaries and employee benefits	$2,618,000	3,302
Premises and equipment expense	$746,000	2,694
Additional noninterest expense	$1,461,000	3,453
Pre-tax net operating income	$3,472,000	2,075
Securities gains (losses)	$0	3,216
Applicable income taxes	$1,307,000	1,339
Income before extraordinary items	$2,165,000	2,581
Extraordinary gains, net	$0	23
Net income	$2,165,000	2,582
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,165,000	2,583
Net charge-offs	$265,000	1,723
Cash dividends	$328,000	3,331
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,165,000	2,538
2015-09-30 (YTD Data)		Rank
Total interest income	$6,436,000	2,713
Total interest expense	$981,000	1,998
Net interest income	$5,455,000	2,806
Provision for loan and lease losses	$270,000	1,610
Total noninterest income	$947,000	2,736
Gross Fiduciary activities income	$3,000	1,083
Service charges on deposit accounts	$275,000	2,702
Trading account gains and fees	$0	153
Additional Noninterest Income	$669,000	2,532
Total noninterest expense	$3,635,000	3,311
Salaries and employee benefits	$1,987,000	3,295
Premises and equipment expense	$579,000	2,659
Additional noninterest expense	$1,069,000	3,526
Pre-tax net operating income	$2,497,000	2,191
Securities gains (losses)	$0	3,031
Applicable income taxes	$937,000	1,432
Income before extraordinary items	$1,560,000	2,695
Extraordinary gains, net	$0	21
Net income	$1,560,000	2,695
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,560,000	2,696
Net charge-offs	$178,000	1,659
Cash dividends	$91,000	3,496
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,560,000	2,640
2015-06-30 (YTD Data)		Rank
Total interest income	$4,223,000	2,751
Total interest expense	$658,000	1,994
Net interest income	$3,565,000	2,846
Provision for loan and lease losses	$180,000	1,603
Total noninterest income	$665,000	2,689
Gross Fiduciary activities income	$2,000	1,087
Service charges on deposit accounts	$166,000	2,837
Trading account gains and fees	$0	157
Additional Noninterest Income	$497,000	2,421
Total noninterest expense	$2,382,000	3,375
Salaries and employee benefits	$1,324,000	3,319
Premises and equipment expense	$386,000	2,669
Additional noninterest expense	$672,000	3,684
Pre-tax net operating income	$1,668,000	2,174
Securities gains (losses)	$0	2,636
Applicable income taxes	$623,000	1,432
Income before extraordinary items	$1,045,000	2,675
Extraordinary gains, net	$0	22
Net income	$1,045,000	2,676
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,045,000	2,677
Net charge-offs	$133,000	1,469
Cash dividends	$91,000	3,252
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,045,000	2,623
2015-03-31 (YTD Data)		Rank
Total interest income	$2,083,000	2,776
Total interest expense	$328,000	2,008
Net interest income	$1,755,000	2,879
Provision for loan and lease losses	$90,000	1,532
Total noninterest income	$307,000	2,774
Gross Fiduciary activities income	$1,000	1,061
Service charges on deposit accounts	$75,000	2,985
Trading account gains and fees	$0	152
Additional Noninterest Income	$231,000	2,449
Total noninterest expense	$1,251,000	3,285
Salaries and employee benefits	$711,000	3,205
Premises and equipment expense	$203,000	2,621
Additional noninterest expense	$337,000	3,681
Pre-tax net operating income	$721,000	2,378
Securities gains (losses)	$0	2,027
Applicable income taxes	$271,000	1,545
Income before extraordinary items	$450,000	2,919
Extraordinary gains, net	$0	13
Net income	$450,000	2,922
Minority interest net income	$0	64
Net income of bank and minority interests.	$450,000	2,922
Net charge-offs	$81,000	1,249
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$450,000	2,841
2014-12-31 (YTD Data)		Rank
Total interest income	$8,371,000	2,790
Total interest expense	$1,406,000	2,002
Net interest income	$6,965,000	2,903
Provision for loan and lease losses	$400,000	1,663
Total noninterest income	$1,114,000	2,938
Gross Fiduciary activities income	$8,000	1,088
Service charges on deposit accounts	$405,000	2,666
Trading account gains and fees	$0	180
Additional Noninterest Income	$701,000	2,822
Total noninterest expense	$4,807,000	3,408
Salaries and employee benefits	$2,513,000	3,462
Premises and equipment expense	$909,000	2,425
Additional noninterest expense	$1,385,000	3,717
Pre-tax net operating income	$2,872,000	2,340
Securities gains (losses)	$0	3,259
Applicable income taxes	$1,075,000	1,479
Income before extraordinary items	$1,797,000	2,890
Extraordinary gains, net	$0	17
Net income	$1,797,000	2,889
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,797,000	2,890
Net charge-offs	$307,000	1,989
Cash dividends	$292,000	3,434
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,797,000	2,851
2014-09-30 (YTD Data)		Rank
Total interest income	$6,230,000	2,826
Total interest expense	$1,070,000	1,999
Net interest income	$5,160,000	2,955
Provision for loan and lease losses	$280,000	1,707
Total noninterest income	$773,000	3,087
Gross Fiduciary activities income	$7,000	1,056
Service charges on deposit accounts	$297,000	2,734
Trading account gains and fees	$0	174
Additional Noninterest Income	$469,000	2,992
Total noninterest expense	$3,580,000	3,438
Salaries and employee benefits	$1,923,000	3,442
Premises and equipment expense	$693,000	2,420
Additional noninterest expense	$964,000	3,926
Pre-tax net operating income	$2,073,000	2,456
Securities gains (losses)	$0	2,980
Applicable income taxes	$773,000	1,544
Income before extraordinary items	$1,300,000	2,994
Extraordinary gains, net	$0	15
Net income	$1,300,000	2,994
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,300,000	2,995
Net charge-offs	$221,000	1,890
Cash dividends	$82,000	3,532
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,300,000	2,944
2014-06-30 (YTD Data)		Rank
Total interest income	$4,099,000	2,871
Total interest expense	$729,000	1,980
Net interest income	$3,370,000	2,995
Provision for loan and lease losses	$115,000	2,235
Total noninterest income	$506,000	3,096
Gross Fiduciary activities income	$6,000	1,042
Service charges on deposit accounts	$189,000	2,805
Trading account gains and fees	$0	172
Additional Noninterest Income	$311,000	2,995
Total noninterest expense	$2,363,000	3,473
Salaries and employee benefits	$1,270,000	3,472
Premises and equipment expense	$458,000	2,451
Additional noninterest expense	$635,000	3,971
Pre-tax net operating income	$1,398,000	2,380
Securities gains (losses)	$0	2,580
Applicable income taxes	$514,000	1,519
Income before extraordinary items	$884,000	2,887
Extraordinary gains, net	$0	20
Net income	$884,000	2,893
Minority interest net income	$0	80
Net income of bank and minority interests.	$884,000	2,893
Net charge-offs	$43,000	2,918
Cash dividends	$82,000	3,267
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$884,000	2,835
2014-03-31 (YTD Data)		Rank
Total interest income	$2,028,000	2,898
Total interest expense	$366,000	2,006
Net interest income	$1,662,000	3,031
Provision for loan and lease losses	$65,000	1,970
Total noninterest income	$249,000	3,073
Gross Fiduciary activities income	$4,000	1,019
Service charges on deposit accounts	$86,000	2,964
Trading account gains and fees	$0	147
Additional Noninterest Income	$159,000	2,885
Total noninterest expense	$1,128,000	3,597
Salaries and employee benefits	$600,000	3,639
Premises and equipment expense	$231,000	2,474
Additional noninterest expense	$297,000	4,122
Pre-tax net operating income	$718,000	2,279
Securities gains (losses)	$0	1,715
Applicable income taxes	$266,000	1,454
Income before extraordinary items	$452,000	2,772
Extraordinary gains, net	$0	16
Net income	$452,000	2,775
Minority interest net income	$0	66
Net income of bank and minority interests.	$452,000	2,775
Net charge-offs	$37,000	2,083
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$452,000	2,728
2013-12-31 (YTD Data)		Rank
Total interest income	$8,046,000	2,930
Total interest expense	$1,567,000	2,085
Net interest income	$6,479,000	3,077
Provision for loan and lease losses	$475,000	1,911
Total noninterest income	$1,365,000	2,740
Gross Fiduciary activities income	$4,000	1,186
Service charges on deposit accounts	$442,000	2,618
Trading account gains and fees	$0	184
Additional Noninterest Income	$919,000	2,481
Total noninterest expense	$4,398,000	3,695
Salaries and employee benefits	$2,319,000	3,730
Premises and equipment expense	$807,000	2,687
Additional noninterest expense	$1,272,000	4,062
Pre-tax net operating income	$2,971,000	2,177
Securities gains (losses)	$0	3,182
Applicable income taxes	$1,108,000	1,381
Income before extraordinary items	$1,863,000	2,746
Extraordinary gains, net	$0	29
Net income	$1,863,000	2,749
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,863,000	2,749
Net charge-offs	$400,000	2,257
Cash dividends	$283,000	3,334
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,863,000	2,688
2013-09-30 (YTD Data)		Rank
Total interest income	$5,967,000	2,980
Total interest expense	$1,187,000	2,123
Net interest income	$4,780,000	3,133
Provision for loan and lease losses	$280,000	2,156
Total noninterest income	$1,064,000	2,723
Gross Fiduciary activities income	$3,000	1,137
Service charges on deposit accounts	$327,000	2,664
Trading account gains and fees	$0	180
Additional Noninterest Income	$734,000	2,451
Total noninterest expense	$3,135,000	3,838
Salaries and employee benefits	$1,612,000	3,921
Premises and equipment expense	$607,000	2,705
Additional noninterest expense	$916,000	4,158
Pre-tax net operating income	$2,429,000	2,112
Securities gains (losses)	$0	3,040
Applicable income taxes	$909,000	1,335
Income before extraordinary items	$1,520,000	2,636
Extraordinary gains, net	$0	25
Net income	$1,520,000	2,640
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,520,000	2,640
Net charge-offs	$267,000	2,233
Cash dividends	$82,000	3,410
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,520,000	2,559
2013-06-30 (YTD Data)		Rank
Total interest income	$3,929,000	3,008
Total interest expense	$799,000	2,137
Net interest income	$3,130,000	3,180
Provision for loan and lease losses	$115,000	2,823
Total noninterest income	$633,000	2,927
Gross Fiduciary activities income	$2,000	1,138
Service charges on deposit accounts	$208,000	2,715
Trading account gains and fees	$0	157
Additional Noninterest Income	$423,000	2,717
Total noninterest expense	$2,118,000	3,817
Salaries and employee benefits	$1,105,000	3,873
Premises and equipment expense	$409,000	2,699
Additional noninterest expense	$604,000	4,174
Pre-tax net operating income	$1,530,000	2,167
Securities gains (losses)	$0	2,791
Applicable income taxes	$570,000	1,399
Income before extraordinary items	$960,000	2,722
Extraordinary gains, net	$0	22
Net income	$960,000	2,727
Minority interest net income	$0	82
Net income of bank and minority interests.	$960,000	2,727
Net charge-offs	$50,000	3,354
Cash dividends	$82,000	3,102
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$960,000	2,624
2013-03-31 (YTD Data)		Rank
Total interest income	$1,944,000	3,059
Total interest expense	$402,000	2,187
Net interest income	$1,542,000	3,227
Provision for loan and lease losses	$70,000	2,504
Total noninterest income	$279,000	3,101
Gross Fiduciary activities income	$1,000	1,109
Service charges on deposit accounts	$97,000	2,834
Trading account gains and fees	$0	148
Additional Noninterest Income	$181,000	2,912
Total noninterest expense	$1,037,000	3,913
Salaries and employee benefits	$508,000	4,116
Premises and equipment expense	$229,000	2,476
Additional noninterest expense	$300,000	4,222
Pre-tax net operating income	$714,000	2,237
Securities gains (losses)	$0	1,966
Applicable income taxes	$265,000	1,458
Income before extraordinary items	$449,000	2,803
Extraordinary gains, net	$0	10
Net income	$449,000	2,806
Minority interest net income	$0	76
Net income of bank and minority interests.	$449,000	2,805
Net charge-offs	$5,000	3,681
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$449,000	2,717
2012-12-31 (YTD Data)		Rank
Total interest income	$7,580,000	3,252
Total interest expense	$1,819,000	2,319
Net interest income	$5,761,000	3,467
Provision for loan and lease losses	$275,000	3,517
Total noninterest income	$1,362,000	2,758
Gross Fiduciary activities income	$12,000	1,105
Service charges on deposit accounts	$414,000	2,862
Trading account gains and fees	$0	166
Additional Noninterest Income	$936,000	2,462
Total noninterest expense	$4,148,000	3,934
Salaries and employee benefits	$2,071,000	4,052
Premises and equipment expense	$854,000	2,599
Additional noninterest expense	$1,223,000	4,310
Pre-tax net operating income	$2,700,000	2,279
Securities gains (losses)	$0	3,810
Applicable income taxes	$1,002,000	1,468
Income before extraordinary items	$1,698,000	2,897
Extraordinary gains, net	$0	29
Net income	$1,698,000	2,899
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,698,000	2,899
Net charge-offs	$133,000	4,166
Cash dividends	$228,000	3,513
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,698,000	2,773
2012-09-30 (YTD Data)		Rank
Total interest income	$5,622,000	3,346
Total interest expense	$1,390,000	2,365
Net interest income	$4,232,000	3,575
Provision for loan and lease losses	$175,000	3,700
Total noninterest income	$903,000	2,974
Gross Fiduciary activities income	$10,000	1,078
Service charges on deposit accounts	$289,000	3,038
Trading account gains and fees	$0	157
Additional Noninterest Income	$604,000	2,668
Total noninterest expense	$3,043,000	4,025
Salaries and employee benefits	$1,499,000	4,144
Premises and equipment expense	$643,000	2,625
Additional noninterest expense	$901,000	4,380
Pre-tax net operating income	$1,917,000	2,434
Securities gains (losses)	$0	3,575
Applicable income taxes	$707,000	1,572
Income before extraordinary items	$1,210,000	3,051
Extraordinary gains, net	$0	20
Net income	$1,210,000	3,051
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,210,000	3,050
Net charge-offs	$63,000	4,363
Cash dividends	$73,000	3,461
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,210,000	2,907
2012-06-30 (YTD Data)		Rank
Total interest income	$3,703,000	3,389
Total interest expense	$947,000	2,404
Net interest income	$2,756,000	3,640
Provision for loan and lease losses	$120,000	3,606
Total noninterest income	$518,000	3,179
Gross Fiduciary activities income	$4,000	1,135
Service charges on deposit accounts	$173,000	3,236
Trading account gains and fees	$0	153
Additional Noninterest Income	$341,000	2,887
Total noninterest expense	$2,061,000	3,998
Salaries and employee benefits	$1,032,000	4,092
Premises and equipment expense	$430,000	2,613
Additional noninterest expense	$599,000	4,394
Pre-tax net operating income	$1,093,000	2,687
Securities gains (losses)	$0	3,178
Applicable income taxes	$398,000	1,717
Income before extraordinary items	$695,000	3,342
Extraordinary gains, net	$0	19
Net income	$695,000	3,342
Minority interest net income	$0	84
Net income of bank and minority interests.	$695,000	3,343
Net charge-offs	$21,000	4,608
Cash dividends	$73,000	3,190
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$695,000	3,163
2012-03-31 (YTD Data)		Rank
Total interest income	$1,834,000	3,442
Total interest expense	$477,000	2,472
Net interest income	$1,357,000	3,705
Provision for loan and lease losses	$80,000	3,124
Total noninterest income	$254,000	3,225
Gross Fiduciary activities income	$1,000	1,128
Service charges on deposit accounts	$80,000	3,381
Trading account gains and fees	$0	148
Additional Noninterest Income	$173,000	2,863
Total noninterest expense	$984,000	4,141
Salaries and employee benefits	$473,000	4,349
Premises and equipment expense	$213,000	2,658
Additional noninterest expense	$298,000	4,402
Pre-tax net operating income	$547,000	2,701
Securities gains (losses)	$0	2,210
Applicable income taxes	$201,000	1,720
Income before extraordinary items	$346,000	3,372
Extraordinary gains, net	$0	19
Net income	$346,000	3,375
Minority interest net income	$0	78
Net income of bank and minority interests.	$346,000	3,375
Net charge-offs	$20,000	3,684
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$346,000	3,204
2011-12-31 (YTD Data)		Rank
Total interest income	$7,213,000	3,596
Total interest expense	$1,936,000	2,842
Net interest income	$5,277,000	3,770
Provision for loan and lease losses	$455,000	3,581
Total noninterest income	$1,034,000	3,063
Gross Fiduciary activities income	$5,000	1,160
Service charges on deposit accounts	$441,000	2,839
Trading account gains and fees	$0	146
Additional Noninterest Income	$588,000	2,885
Total noninterest expense	$4,168,000	4,002
Salaries and employee benefits	$1,974,000	4,202
Premises and equipment expense	$850,000	2,782
Additional noninterest expense	$1,344,000	4,142
Pre-tax net operating income	$1,688,000	2,827
Securities gains (losses)	$0	3,838
Applicable income taxes	$610,000	1,828
Income before extraordinary items	$1,078,000	3,408
Extraordinary gains, net	$0	29
Net income	$1,078,000	3,411
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,078,000	3,411
Net charge-offs	$337,000	3,667
Cash dividends	$201,000	3,329
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,078,000	3,298
2011-09-30 (YTD Data)		Rank
Total interest income	$5,339,000	3,674
Total interest expense	$1,450,000	2,933
Net interest income	$3,889,000	3,837
Provision for loan and lease losses	$275,000	3,725
Total noninterest income	$717,000	3,209
Gross Fiduciary activities income	$3,000	1,135
Service charges on deposit accounts	$335,000	2,810
Trading account gains and fees	$0	145
Additional Noninterest Income	$379,000	3,126
Total noninterest expense	$2,972,000	4,140
Salaries and employee benefits	$1,439,000	4,273
Premises and equipment expense	$645,000	2,772
Additional noninterest expense	$888,000	4,494
Pre-tax net operating income	$1,359,000	2,762
Securities gains (losses)	$0	3,555
Applicable income taxes	$494,000	1,750
Income before extraordinary items	$865,000	3,351
Extraordinary gains, net	$0	21
Net income	$865,000	3,353
Minority interest net income	$0	87
Net income of bank and minority interests.	$865,000	3,352
Net charge-offs	$171,000	3,884
Cash dividends	$64,000	3,318
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$865,000	3,242
2011-06-30 (YTD Data)		Rank
Total interest income	$3,500,000	3,763
Total interest expense	$954,000	3,065
Net interest income	$2,546,000	3,893
Provision for loan and lease losses	$200,000	3,519
Total noninterest income	$440,000	3,369
Gross Fiduciary activities income	$2,000	1,136
Service charges on deposit accounts	$226,000	2,777
Trading account gains and fees	$0	153
Additional Noninterest Income	$212,000	3,401
Total noninterest expense	$2,012,000	4,146
Salaries and employee benefits	$993,000	4,220
Premises and equipment expense	$425,000	2,806
Additional noninterest expense	$594,000	4,554
Pre-tax net operating income	$774,000	3,003
Securities gains (losses)	$0	2,914
Applicable income taxes	$278,000	1,884
Income before extraordinary items	$496,000	3,601
Extraordinary gains, net	$0	15
Net income	$496,000	3,603
Minority interest net income	$0	89
Net income of bank and minority interests.	$496,000	3,602
Net charge-offs	$161,000	3,324
Cash dividends	$64,000	3,023
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$496,000	3,503
2011-03-31 (YTD Data)		Rank
Total interest income	$1,742,000	3,791
Total interest expense	$472,000	3,192
Net interest income	$1,270,000	3,906
Provision for loan and lease losses	$105,000	3,279
Total noninterest income	$232,000	3,295
Gross Fiduciary activities income	$1,000	1,126
Service charges on deposit accounts	$109,000	2,804
Trading account gains and fees	$0	158
Additional Noninterest Income	$122,000	3,234
Total noninterest expense	$972,000	4,251
Salaries and employee benefits	$465,000	4,425
Premises and equipment expense	$212,000	2,844
Additional noninterest expense	$295,000	4,584
Pre-tax net operating income	$425,000	2,848
Securities gains (losses)	$0	1,772
Applicable income taxes	$154,000	1,775
Income before extraordinary items	$271,000	3,432
Extraordinary gains, net	$0	9
Net income	$271,000	3,429
Minority interest net income	$0	86
Net income of bank and minority interests.	$271,000	3,430
Net charge-offs	$106,000	2,678
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$271,000	3,372
2010-12-31 (YTD Data)		Rank
Total interest income	$7,099,000	3,869
Total interest expense	$2,247,000	3,250
Net interest income	$4,852,000	4,038
Provision for loan and lease losses	$690,000	3,616
Total noninterest income	$1,069,000	3,121
Gross Fiduciary activities income	$5,000	1,223
Service charges on deposit accounts	$472,000	2,745
Trading account gains and fees	$0	175
Additional Noninterest Income	$592,000	2,938
Total noninterest expense	$3,845,000	4,322
Salaries and employee benefits	$1,889,000	4,396
Premises and equipment expense	$782,000	3,029
Additional noninterest expense	$1,174,000	4,672
Pre-tax net operating income	$1,386,000	2,850
Securities gains (losses)	$0	3,793
Applicable income taxes	$494,000	1,905
Income before extraordinary items	$892,000	3,439
Extraordinary gains, net	$0	29
Net income	$892,000	3,436
Minority interest net income	$0	111
Net income of bank and minority interests.	$892,000	3,439
Net charge-offs	$584,000	3,441
Cash dividends	$183,000	3,362
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$892,000	3,317
2010-09-30 (YTD Data)		Rank
Total interest income	$5,272,000	3,972
Total interest expense	$1,742,000	3,292
Net interest income	$3,530,000	4,178
Provision for loan and lease losses	$535,000	3,435
Total noninterest income	$752,000	3,266
Gross Fiduciary activities income	$3,000	1,206
Service charges on deposit accounts	$347,000	2,850
Trading account gains and fees	$0	165
Additional Noninterest Income	$402,000	3,093
Total noninterest expense	$2,803,000	4,422
Salaries and employee benefits	$1,374,000	4,504
Premises and equipment expense	$558,000	3,192
Additional noninterest expense	$871,000	4,685
Pre-tax net operating income	$944,000	3,200
Securities gains (losses)	$0	3,651
Applicable income taxes	$334,000	2,047
Income before extraordinary items	$610,000	3,753
Extraordinary gains, net	$0	23
Net income	$610,000	3,753
Minority interest net income	$0	110
Net income of bank and minority interests.	$610,000	3,754
Net charge-offs	$525,000	3,011
Cash dividends	$55,000	3,423
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$610,000	3,612
2010-06-30 (YTD Data)		Rank
Total interest income	$3,463,000	4,052
Total interest expense	$1,182,000	3,347
Net interest income	$2,281,000	4,274
Provision for loan and lease losses	$295,000	3,686
Total noninterest income	$432,000	3,500
Gross Fiduciary activities income	$1,000	1,231
Service charges on deposit accounts	$221,000	2,958
Trading account gains and fees	$0	152
Additional Noninterest Income	$210,000	3,428
Total noninterest expense	$1,882,000	4,415
Salaries and employee benefits	$951,000	4,440
Premises and equipment expense	$370,000	3,234
Additional noninterest expense	$561,000	4,773
Pre-tax net operating income	$536,000	3,510
Securities gains (losses)	$0	3,184
Applicable income taxes	$187,000	2,194
Income before extraordinary items	$349,000	4,020
Extraordinary gains, net	$0	19
Net income	$349,000	4,018
Minority interest net income	$0	105
Net income of bank and minority interests.	$349,000	4,019
Net charge-offs	$277,000	3,148
Cash dividends	$55,000	3,133
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$349,000	3,896
2010-03-31 (YTD Data)		Rank
Total interest income	$1,709,000	4,140
Total interest expense	$593,000	3,462
Net interest income	$1,116,000	4,345
Provision for loan and lease losses	$130,000	3,611
Total noninterest income	$201,000	3,630
Gross Fiduciary activities income	$1,000	1,185
Service charges on deposit accounts	$96,000	3,228
Trading account gains and fees	$0	175
Additional Noninterest Income	$104,000	3,434
Total noninterest expense	$949,000	4,436
Salaries and employee benefits	$481,000	4,459
Premises and equipment expense	$189,000	3,270
Additional noninterest expense	$279,000	4,798
Pre-tax net operating income	$238,000	3,767
Securities gains (losses)	$0	2,284
Applicable income taxes	$82,000	2,317
Income before extraordinary items	$156,000	4,324
Extraordinary gains, net	$0	16
Net income	$156,000	4,325
Minority interest net income	$0	91
Net income of bank and minority interests.	$156,000	4,323
Net charge-offs	$132,000	2,858
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$156,000	4,219
2009-12-31 (YTD Data)		Rank
Total interest income	$6,952,000	4,194
Total interest expense	$2,808,000	3,594
Net interest income	$4,144,000	4,478
Provision for loan and lease losses	$600,000	4,252
Total noninterest income	$1,386,000	2,700
Gross Fiduciary activities income	$13,000	1,147
Service charges on deposit accounts	$502,000	2,876
Trading account gains and fees	$0	211
Additional Noninterest Income	$871,000	2,329
Total noninterest expense	$3,667,000	4,583
Salaries and employee benefits	$1,731,000	4,773
Premises and equipment expense	$727,000	3,362
Additional noninterest expense	$1,209,000	4,721
Pre-tax net operating income	$1,263,000	2,623
Securities gains (losses)	$0	3,754
Applicable income taxes	$451,000	1,639
Income before extraordinary items	$812,000	3,127
Extraordinary gains, net	$0	34
Net income	$812,000	3,127
Minority interest net income	$0	115
Net income of bank and minority interests.	$812,000	3,127
Net charge-offs	$385,000	4,153
Cash dividends	$183,000	3,719
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$812,000	3,055
2009-09-30 (YTD Data)		Rank
Total interest income	$5,187,000	4,261
Total interest expense	$2,153,000	3,667
Net interest income	$3,034,000	4,552
Provision for loan and lease losses	$360,000	4,326
Total noninterest income	$1,099,000	2,652
Gross Fiduciary activities income	$3,000	1,227
Service charges on deposit accounts	$381,000	2,861
Trading account gains and fees	$0	212
Additional Noninterest Income	$715,000	2,275
Total noninterest expense	$2,665,000	4,678
Salaries and employee benefits	$1,264,000	4,875
Premises and equipment expense	$562,000	3,339
Additional noninterest expense	$839,000	4,928
Pre-tax net operating income	$1,108,000	2,560
Securities gains (losses)	$0	3,497
Applicable income taxes	$402,000	1,624
Income before extraordinary items	$706,000	3,106
Extraordinary gains, net	$0	27
Net income	$706,000	3,104
Minority interest net income	$0	118
Net income of bank and minority interests.	$706,000	3,107
Net charge-offs	$254,000	3,943
Cash dividends	$55,000	3,864
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$706,000	3,022
2009-06-30 (YTD Data)		Rank
Total interest income	$3,424,000	4,334
Total interest expense	$1,469,000	3,733
Net interest income	$1,955,000	4,650
Provision for loan and lease losses	$210,000	4,245
Total noninterest income	$813,000	2,502
Gross Fiduciary activities income	$2,000	1,233
Service charges on deposit accounts	$245,000	2,906
Trading account gains and fees	$0	193
Additional Noninterest Income	$566,000	2,068
Total noninterest expense	$1,781,000	4,722
Salaries and employee benefits	$829,000	4,991
Premises and equipment expense	$373,000	3,365
Additional noninterest expense	$579,000	4,828
Pre-tax net operating income	$777,000	2,561
Securities gains (losses)	$0	3,136
Applicable income taxes	$283,000	1,599
Income before extraordinary items	$494,000	3,112
Extraordinary gains, net	$0	21
Net income	$494,000	3,109
Minority interest net income	$0	112
Net income of bank and minority interests.	$494,000	3,111
Net charge-offs	$128,000	3,966
Cash dividends	$55,000	3,609
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$494,000	3,014
2009-03-31 (YTD Data)		Rank
Total interest income	$1,727,000	4,337
Total interest expense	$751,000	3,770
Net interest income	$976,000	4,644
Provision for loan and lease losses	$90,000	4,033
Total noninterest income	$389,000	2,547
Gross Fiduciary activities income	$1,000	1,214
Service charges on deposit accounts	$113,000	3,030
Trading account gains and fees	$0	171
Additional Noninterest Income	$275,000	2,070
Total noninterest expense	$873,000	4,699
Salaries and employee benefits	$421,000	4,992
Premises and equipment expense	$185,000	3,432
Additional noninterest expense	$267,000	4,771
Pre-tax net operating income	$402,000	2,794
Securities gains (losses)	$0	2,434
Applicable income taxes	$147,000	1,764
Income before extraordinary items	$255,000	3,410
Extraordinary gains, net	$0	15
Net income	$255,000	3,411
Minority interest net income	$0	102
Net income of bank and minority interests.	$255,000	3,411
Net charge-offs	$35,000	3,875
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$255,000	3,256
2008-12-31 (YTD Data)		Rank
Total interest income	$6,903,000	4,521
Total interest expense	$3,185,000	4,077
Net interest income	$3,718,000	4,802
Provision for loan and lease losses	$390,000	4,176
Total noninterest income	$866,000	3,701
Gross Fiduciary activities income	$15,000	1,152
Service charges on deposit accounts	$509,000	2,969
Trading account gains and fees	$0	154
Additional Noninterest Income	$342,000	3,869
Total noninterest expense	$3,342,000	4,780
Salaries and employee benefits	$1,758,000	4,869
Premises and equipment expense	$625,000	3,804
Additional noninterest expense	$959,000	4,948
Pre-tax net operating income	$852,000	4,059
Securities gains (losses)	$0	3,220
Applicable income taxes	$301,000	2,394
Income before extraordinary items	$551,000	4,294
Extraordinary gains, net	$0	39
Net income	$551,000	4,294
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$273,000	3,674
Cash dividends	$155,000	4,694
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$551,000	4,451
2008-09-30 (YTD Data)		Rank
Total interest income	$5,155,000	4,616
Total interest expense	$2,459,000	4,123
Net interest income	$2,696,000	4,936
Provision for loan and lease losses	$195,000	4,255
Total noninterest income	$637,000	3,839
Gross Fiduciary activities income	$13,000	1,114
Service charges on deposit accounts	$370,000	3,077
Trading account gains and fees	$0	148
Additional Noninterest Income	$254,000	3,993
Total noninterest expense	$2,406,000	4,885
Salaries and employee benefits	$1,289,000	4,958
Premises and equipment expense	$428,000	4,089
Additional noninterest expense	$689,000	4,998
Pre-tax net operating income	$732,000	4,263
Securities gains (losses)	$0	3,106
Applicable income taxes	$262,000	2,609
Income before extraordinary items	$470,000	4,544
Extraordinary gains, net	$0	31
Net income	$470,000	4,542
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	3,413
Cash dividends	$46,000	4,725
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$470,000	4,695
2008-06-30 (YTD Data)		Rank
Total interest income	$3,433,000	4,689
Total interest expense	$1,659,000	4,227
Net interest income	$1,774,000	4,980
Provision for loan and lease losses	$115,000	4,076
Total noninterest income	$417,000	3,932
Gross Fiduciary activities income	$12,000	1,091
Service charges on deposit accounts	$231,000	3,182
Trading account gains and fees	$0	149
Additional Noninterest Income	$174,000	4,039
Total noninterest expense	$1,512,000	5,101
Salaries and employee benefits	$801,000	5,208
Premises and equipment expense	$279,000	4,179
Additional noninterest expense	$432,000	5,184
Pre-tax net operating income	$564,000	4,147
Securities gains (losses)	$0	3,233
Applicable income taxes	$206,000	2,657
Income before extraordinary items	$358,000	4,689
Extraordinary gains, net	$0	21
Net income	$358,000	4,690
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$80,000	3,288
Cash dividends	$46,000	4,483
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$358,000	4,632
2008-03-31 (YTD Data)		Rank
Total interest income	$1,736,000	4,743
Total interest expense	$852,000	4,338
Net interest income	$884,000	4,998
Provision for loan and lease losses	$55,000	3,686
Total noninterest income	$210,000	3,907
Gross Fiduciary activities income	$10,000	1,024
Service charges on deposit accounts	$113,000	3,189
Trading account gains and fees	$0	158
Additional Noninterest Income	$87,000	4,033
Total noninterest expense	$700,000	5,367
Salaries and employee benefits	$386,000	5,348
Premises and equipment expense	$140,000	4,199
Additional noninterest expense	$174,000	5,761
Pre-tax net operating income	$339,000	3,879
Securities gains (losses)	$0	2,688
Applicable income taxes	$125,000	2,538
Income before extraordinary items	$214,000	4,523
Extraordinary gains, net	$0	15
Net income	$214,000	4,525
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	2,569
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$214,000	4,423
2007-12-31 (YTD Data)		Rank
Total interest income	$6,823,000	4,806
Total interest expense	$3,338,000	4,481
Net interest income	$3,485,000	5,047
Provision for loan and lease losses	$245,000	3,546
Total noninterest income	$718,000	4,235
Gross Fiduciary activities income	$12,000	1,233
Service charges on deposit accounts	$439,000	3,344
Trading account gains and fees	$0	178
Additional Noninterest Income	$267,000	4,453
Total noninterest expense	$2,663,000	5,403
Salaries and employee benefits	$1,428,000	5,453
Premises and equipment expense	$483,000	4,475
Additional noninterest expense	$752,000	5,541
Pre-tax net operating income	$1,295,000	4,193
Securities gains (losses)	$0	2,146
Applicable income taxes	$483,000	2,785
Income before extraordinary items	$812,000	4,767
Extraordinary gains, net	$0	39
Net income	$812,000	4,768
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$284,000	2,370
Cash dividends	$155,000	5,088
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$812,000	4,744
2007-09-30 (YTD Data)		Rank
Total interest income	$5,051,000	4,860
Total interest expense	$2,460,000	4,528
Net interest income	$2,591,000	5,095
Provision for loan and lease losses	$108,000	3,997
Total noninterest income	$527,000	4,285
Gross Fiduciary activities income	$11,000	1,174
Service charges on deposit accounts	$308,000	3,468
Trading account gains and fees	$0	184
Additional Noninterest Income	$208,000	4,415
Total noninterest expense	$1,970,000	5,416
Salaries and employee benefits	$1,054,000	5,483
Premises and equipment expense	$358,000	4,478
Additional noninterest expense	$558,000	5,518
Pre-tax net operating income	$1,040,000	4,266
Securities gains (losses)	$0	1,655
Applicable income taxes	$382,000	2,860
Income before extraordinary items	$658,000	4,829
Extraordinary gains, net	$0	33
Net income	$658,000	4,828
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	3,489
Cash dividends	$41,000	4,986
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$658,000	4,823
2007-06-30 (YTD Data)		Rank
Total interest income	$3,346,000	4,898
Total interest expense	$1,609,000	4,581
Net interest income	$1,737,000	5,100
Provision for loan and lease losses	$50,000	4,348
Total noninterest income	$318,000	4,540
Gross Fiduciary activities income	$2,000	1,311
Service charges on deposit accounts	$193,000	3,579
Trading account gains and fees	$0	168
Additional Noninterest Income	$123,000	4,702
Total noninterest expense	$1,321,000	5,423
Salaries and employee benefits	$704,000	5,532
Premises and equipment expense	$239,000	4,507
Additional noninterest expense	$378,000	5,467
Pre-tax net operating income	$684,000	4,366
Securities gains (losses)	$0	1,444
Applicable income taxes	$252,000	2,955
Income before extraordinary items	$432,000	4,892
Extraordinary gains, net	$0	29
Net income	$432,000	4,891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	3,211
Cash dividends	$41,000	4,744
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$432,000	4,892
2007-03-31 (YTD Data)		Rank
Total interest income	$1,633,000	4,967
Total interest expense	$779,000	4,646
Net interest income	$854,000	5,165
Provision for loan and lease losses	$20,000	4,351
Total noninterest income	$156,000	4,554
Gross Fiduciary activities income	$1,000	1,263
Service charges on deposit accounts	$92,000	3,616
Trading account gains and fees	$0	195
Additional Noninterest Income	$63,000	4,645
Total noninterest expense	$655,000	5,482
Salaries and employee benefits	$368,000	5,428
Premises and equipment expense	$116,000	4,609
Additional noninterest expense	$171,000	5,730
Pre-tax net operating income	$335,000	4,405
Securities gains (losses)	$0	1,187
Applicable income taxes	$124,000	2,994
Income before extraordinary items	$211,000	4,933
Extraordinary gains, net	$0	22
Net income	$211,000	4,934
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	2,588
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$211,000	4,914
2006-12-31 (YTD Data)		Rank
Total interest income	$6,026,000	5,006
Total interest expense	$2,609,000	4,703
Net interest income	$3,417,000	5,134
Provision for loan and lease losses	$100,000	4,711
Total noninterest income	$610,000	4,689
Gross Fiduciary activities income	$5,000	1,355
Service charges on deposit accounts	$390,000	3,587
Trading account gains and fees	$0	130
Additional Noninterest Income	$215,000	4,978
Total noninterest expense	$2,549,000	5,425
Salaries and employee benefits	$1,400,000	5,416
Premises and equipment expense	$432,000	4,696
Additional noninterest expense	$717,000	5,566
Pre-tax net operating income	$1,378,000	4,483
Securities gains (losses)	$1,000	1,542
Applicable income taxes	$516,000	3,110
Income before extraordinary items	$863,000	5,044
Extraordinary gains, net	$0	51
Net income	$863,000	5,047
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	3,581
Cash dividends	$155,000	5,166
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$862,360	5,036
2006-09-30 (YTD Data)		Rank
Total interest income	$4,420,000	5,064
Total interest expense	$1,880,000	4,728
Net interest income	$2,540,000	5,205
Provision for loan and lease losses	$60,000	4,851
Total noninterest income	$476,000	4,619
Gross Fiduciary activities income	$3,000	1,330
Service charges on deposit accounts	$283,000	3,682
Trading account gains and fees	$0	126
Additional Noninterest Income	$190,000	4,639
Total noninterest expense	$1,892,000	5,440
Salaries and employee benefits	$1,034,000	5,439
Premises and equipment expense	$308,000	4,848
Additional noninterest expense	$550,000	5,494
Pre-tax net operating income	$1,064,000	4,593
Securities gains (losses)	$1,000	1,261
Applicable income taxes	$399,000	3,182
Income before extraordinary items	$666,000	5,116
Extraordinary gains, net	$0	45
Net income	$666,000	5,121
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	3,348
Cash dividends	$41,000	5,077
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$665,360	5,117
2006-06-30 (YTD Data)		Rank
Total interest income	$2,885,000	5,096
Total interest expense	$1,200,000	4,715
Net interest income	$1,685,000	5,250
Provision for loan and lease losses	$20,000	5,511
Total noninterest income	$309,000	4,651
Gross Fiduciary activities income	$2,000	1,334
Service charges on deposit accounts	$177,000	3,795
Trading account gains and fees	$0	126
Additional Noninterest Income	$130,000	4,581
Total noninterest expense	$1,262,000	5,448
Salaries and employee benefits	$681,000	5,521
Premises and equipment expense	$205,000	4,859
Additional noninterest expense	$376,000	5,425
Pre-tax net operating income	$712,000	4,592
Securities gains (losses)	$0	1,185
Applicable income taxes	$266,000	3,208
Income before extraordinary items	$446,000	5,147
Extraordinary gains, net	$0	39
Net income	$446,000	5,151
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,807
Cash dividends	$41,000	4,836
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$446,000	5,147
2006-03-31 (YTD Data)		Rank
Total interest income	$1,425,000	5,068
Total interest expense	$574,000	4,703
Net interest income	$851,000	5,218
Provision for loan and lease losses	$10,000	5,231
Total noninterest income	$150,000	4,678
Gross Fiduciary activities income	$1,000	1,305
Service charges on deposit accounts	$78,000	3,989
Trading account gains and fees	$0	115
Additional Noninterest Income	$71,000	4,406
Total noninterest expense	$644,000	5,385
Salaries and employee benefits	$337,000	5,563
Premises and equipment expense	$106,000	4,775
Additional noninterest expense	$201,000	5,158
Pre-tax net operating income	$347,000	4,608
Securities gains (losses)	$0	955
Applicable income taxes	$129,000	3,244
Income before extraordinary items	$218,000	5,144
Extraordinary gains, net	$0	21
Net income	$218,000	5,144
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	3,605
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$218,000	5,138
2005-12-31 (YTD Data)		Rank
Total interest income	$5,390,000	4,923
Total interest expense	$1,875,000	4,624
Net interest income	$3,515,000	5,004
Provision for loan and lease losses	$115,000	4,632
Total noninterest income	$642,000	4,618
Gross Fiduciary activities income	$12,000	1,271
Service charges on deposit accounts	$385,000	3,646
Trading account gains and fees	$0	138
Additional Noninterest Income	$245,000	4,774
Total noninterest expense	$2,482,000	5,400
Salaries and employee benefits	$1,285,000	5,564
Premises and equipment expense	$443,000	4,551
Additional noninterest expense	$754,000	5,360
Pre-tax net operating income	$1,560,000	4,274
Securities gains (losses)	$0	2,296
Applicable income taxes	$590,000	3,098
Income before extraordinary items	$970,000	4,899
Extraordinary gains, net	$0	46
Net income	$970,000	4,900
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	4,046
Cash dividends	$151,000	5,168
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$970,000	4,870
2005-09-30 (YTD Data)		Rank
Total interest income	$3,986,000	4,930
Total interest expense	$1,344,000	4,607
Net interest income	$2,642,000	5,013
Provision for loan and lease losses	$80,000	4,606
Total noninterest income	$480,000	4,658
Gross Fiduciary activities income	$10,000	1,214
Service charges on deposit accounts	$284,000	3,694
Trading account gains and fees	$0	126
Additional Noninterest Income	$186,000	4,766
Total noninterest expense	$1,880,000	5,339
Salaries and employee benefits	$953,000	5,585
Premises and equipment expense	$354,000	4,340
Additional noninterest expense	$573,000	5,260
Pre-tax net operating income	$1,162,000	4,386
Securities gains (losses)	$0	2,317
Applicable income taxes	$439,000	3,160
Income before extraordinary items	$723,000	5,001
Extraordinary gains, net	$0	35
Net income	$723,000	5,002
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	5,033
Cash dividends	$37,000	5,101
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$723,000	4,958
2005-06-30 (YTD Data)		Rank
Total interest income	$2,609,000	4,923
Total interest expense	$855,000	4,592
Net interest income	$1,754,000	5,025
Provision for loan and lease losses	$60,000	4,115
Total noninterest income	$299,000	4,796
Gross Fiduciary activities income	$2,000	1,342
Service charges on deposit accounts	$176,000	3,790
Trading account gains and fees	$0	116
Additional Noninterest Income	$121,000	4,790
Total noninterest expense	$1,251,000	5,337
Salaries and employee benefits	$633,000	5,575
Premises and equipment expense	$233,000	4,340
Additional noninterest expense	$385,000	5,219
Pre-tax net operating income	$742,000	4,464
Securities gains (losses)	$0	2,146
Applicable income taxes	$277,000	3,236
Income before extraordinary items	$465,000	5,057
Extraordinary gains, net	$0	30
Net income	$465,000	5,058
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	3,128
Cash dividends	$37,000	4,827
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$465,000	5,011
2005-03-31 (YTD Data)		Rank
Total interest income	$1,274,000	4,984
Total interest expense	$408,000	4,617
Net interest income	$866,000	5,081
Provision for loan and lease losses	$30,000	3,913
Total noninterest income	$141,000	4,864
Gross Fiduciary activities income	$2,000	1,263
Service charges on deposit accounts	$79,000	3,954
Trading account gains and fees	$0	115
Additional Noninterest Income	$60,000	4,776
Total noninterest expense	$612,000	5,451
Salaries and employee benefits	$316,000	5,611
Premises and equipment expense	$117,000	4,378
Additional noninterest expense	$179,000	5,430
Pre-tax net operating income	$365,000	4,505
Securities gains (losses)	$0	1,685
Applicable income taxes	$137,000	3,245
Income before extraordinary items	$228,000	5,098
Extraordinary gains, net	$0	24
Net income	$228,000	5,099
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	2,501
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$228,000	5,072
2004-12-31 (YTD Data)		Rank
Total interest income	$4,972,000	4,869
Total interest expense	$1,459,000	4,598
Net interest income	$3,513,000	4,883
Provision for loan and lease losses	$120,000	4,623
Total noninterest income	$600,000	4,819
Gross Fiduciary activities income	$6,000	1,382
Service charges on deposit accounts	$339,000	4,020
Trading account gains and fees	$0	138
Additional Noninterest Income	$255,000	4,590
Total noninterest expense	$2,399,000	5,443
Salaries and employee benefits	$1,215,000	5,656
Premises and equipment expense	$422,000	4,597
Additional noninterest expense	$762,000	5,261
Pre-tax net operating income	$1,594,000	4,093
Securities gains (losses)	$2,000	3,489
Applicable income taxes	$594,000	3,049
Income before extraordinary items	$1,002,000	4,695
Extraordinary gains, net	$0	34
Net income	$1,002,000	4,696
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	4,344
Cash dividends	$146,000	5,219
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,000,720	4,627
2004-09-30 (YTD Data)		Rank
Total interest income	$3,708,000	4,863
Total interest expense	$1,092,000	4,559
Net interest income	$2,616,000	4,903
Provision for loan and lease losses	$90,000	4,429
Total noninterest income	$436,000	4,912
Gross Fiduciary activities income	$3,000	1,390
Service charges on deposit accounts	$253,000	4,067
Trading account gains and fees	$0	134
Additional Noninterest Income	$180,000	4,715
Total noninterest expense	$1,767,000	5,462
Salaries and employee benefits	$887,000	5,699
Premises and equipment expense	$307,000	4,685
Additional noninterest expense	$573,000	5,193
Pre-tax net operating income	$1,195,000	4,163
Securities gains (losses)	$2,000	3,384
Applicable income taxes	$447,000	3,096
Income before extraordinary items	$750,000	4,790
Extraordinary gains, net	$0	26
Net income	$750,000	4,790
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	4,955
Cash dividends	$37,000	5,107
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$748,720	4,702
2004-06-30 (YTD Data)		Rank
Total interest income	$2,448,000	4,910
Total interest expense	$732,000	4,547
Net interest income	$1,716,000	4,953
Provision for loan and lease losses	$50,000	4,677
Total noninterest income	$270,000	5,072
Gross Fiduciary activities income	$2,000	1,383
Service charges on deposit accounts	$153,000	4,277
Trading account gains and fees	$0	130
Additional Noninterest Income	$115,000	4,884
Total noninterest expense	$1,186,000	5,479
Salaries and employee benefits	$589,000	5,755
Premises and equipment expense	$203,000	4,713
Additional noninterest expense	$394,000	5,122
Pre-tax net operating income	$750,000	4,279
Securities gains (losses)	$2,000	3,048
Applicable income taxes	$280,000	3,191
Income before extraordinary items	$472,000	4,884
Extraordinary gains, net	$0	21
Net income	$472,000	4,884
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,398
Cash dividends	$37,000	4,805
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$470,720	4,805
2004-03-31 (YTD Data)		Rank
Total interest income	$1,213,000	4,965
Total interest expense	$369,000	4,557
Net interest income	$844,000	5,013
Provision for loan and lease losses	$15,000	5,048
Total noninterest income	$126,000	5,200
Gross Fiduciary activities income	$1,000	1,344
Service charges on deposit accounts	$74,000	4,298
Trading account gains and fees	$0	121
Additional Noninterest Income	$51,000	5,085
Total noninterest expense	$594,000	5,489
Salaries and employee benefits	$295,000	5,784
Premises and equipment expense	$101,000	4,760
Additional noninterest expense	$198,000	5,107
Pre-tax net operating income	$361,000	4,343
Securities gains (losses)	$2,000	2,612
Applicable income taxes	$135,000	3,278
Income before extraordinary items	$228,000	5,000
Extraordinary gains, net	$0	16
Net income	$228,000	4,999
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	7,741
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$226,720	4,888
2003-12-31 (YTD Data)		Rank
Total interest income	$4,983,000	4,907
Total interest expense	$1,641,000	4,620
Net interest income	$3,342,000	4,951
Provision for loan and lease losses	$255,000	3,498
Total noninterest income	$791,000	4,258
Gross Fiduciary activities income	$11,000	1,340
Service charges on deposit accounts	$306,000	4,251
Trading account gains and fees	$0	160
Additional Noninterest Income	$474,000	3,672
Total noninterest expense	$2,142,000	5,762
Salaries and employee benefits	$1,035,000	6,147
Premises and equipment expense	$386,000	4,852
Additional noninterest expense	$721,000	5,405
Pre-tax net operating income	$1,736,000	3,735
Securities gains (losses)	$0	4,500
Applicable income taxes	$658,000	2,900
Income before extraordinary items	$1,078,000	4,436
Extraordinary gains, net	$0	54
Net income	$1,078,000	4,438
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$218,000	2,746
Cash dividends	$146,000	5,278
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,078,000	4,253
2003-09-30 (YTD Data)		Rank
Total interest income	$3,765,000	4,942
Total interest expense	$1,250,000	4,691
Net interest income	$2,515,000	4,947
Provision for loan and lease losses	$220,000	3,174
Total noninterest income	$626,000	4,187
Gross Fiduciary activities income	$4,000	1,409
Service charges on deposit accounts	$226,000	4,303
Trading account gains and fees	$0	153
Additional Noninterest Income	$396,000	3,547
Total noninterest expense	$1,539,000	5,894
Salaries and employee benefits	$749,000	6,238
Premises and equipment expense	$281,000	4,942
Additional noninterest expense	$509,000	5,576
Pre-tax net operating income	$1,382,000	3,694
Securities gains (losses)	$0	4,204
Applicable income taxes	$525,000	2,943
Income before extraordinary items	$857,000	4,422
Extraordinary gains, net	$0	40
Net income	$857,000	4,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$176,000	2,365
Cash dividends	$37,000	5,222
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$857,000	4,249
2003-06-30 (YTD Data)		Rank
Total interest income	$2,519,000	4,959
Total interest expense	$845,000	4,761
Net interest income	$1,674,000	4,950
Provision for loan and lease losses	$175,000	2,769
Total noninterest income	$392,000	4,292
Gross Fiduciary activities income	$3,000	1,400
Service charges on deposit accounts	$147,000	4,341
Trading account gains and fees	$0	150
Additional Noninterest Income	$242,000	3,682
Total noninterest expense	$984,000	6,041
Salaries and employee benefits	$479,000	6,412
Premises and equipment expense	$183,000	4,991
Additional noninterest expense	$322,000	5,743
Pre-tax net operating income	$907,000	3,745
Securities gains (losses)	$0	3,782
Applicable income taxes	$344,000	2,989
Income before extraordinary items	$563,000	4,467
Extraordinary gains, net	$0	30
Net income	$563,000	4,466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	1,983
Cash dividends	$37,000	4,889
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$563,000	4,255
2003-03-31 (YTD Data)		Rank
Total interest income	$1,256,000	4,992
Total interest expense	$427,000	4,838
Net interest income	$829,000	4,964
Provision for loan and lease losses	$85,000	2,667
Total noninterest income	$175,000	4,492
Gross Fiduciary activities income	$1,000	1,409
Service charges on deposit accounts	$70,000	4,383
Trading account gains and fees	$0	134
Additional Noninterest Income	$104,000	3,853
Total noninterest expense	$478,000	6,151
Salaries and employee benefits	$227,000	6,595
Premises and equipment expense	$94,000	4,897
Additional noninterest expense	$157,000	5,775
Pre-tax net operating income	$441,000	3,807
Securities gains (losses)	$0	2,891
Applicable income taxes	$167,000	3,022
Income before extraordinary items	$274,000	4,482
Extraordinary gains, net	$0	21
Net income	$274,000	4,482
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	1,659
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$274,000	4,282
2002-12-31 (YTD Data)		Rank
Total interest income	$5,148,000	5,080
Total interest expense	$1,915,000	4,947
Net interest income	$3,233,000	5,034
Provision for loan and lease losses	$185,000	4,507
Total noninterest income	$673,000	4,431
Gross Fiduciary activities income	$7,000	1,461
Service charges on deposit accounts	$266,000	4,535
Trading account gains and fees	$0	153
Additional Noninterest Income	$400,000	3,698
Total noninterest expense	$1,916,000	6,022
Salaries and employee benefits	$931,000	6,397
Premises and equipment expense	$372,000	4,893
Additional noninterest expense	$613,000	5,845
Pre-tax net operating income	$1,805,000	3,652
Securities gains (losses)	$1,000	4,369
Applicable income taxes	$676,000	2,919
Income before extraordinary items	$1,130,000	4,249
Extraordinary gains, net	$0	70
Net income	$1,130,000	4,250
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	5,538
Cash dividends	$142,000	5,268
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,129,360	4,147
2001-12-31 (YTD Data)		Rank
Total interest income	$5,342,000	5,393
Total interest expense	$2,849,000	4,922
Net interest income	$2,493,000	5,725
Provision for loan and lease losses	$180,000	4,345
Total noninterest income	$539,000	4,855
Gross Fiduciary activities income	$15,000	1,352
Service charges on deposit accounts	$227,000	4,861
Trading account gains and fees	$0	177
Additional Noninterest Income	$297,000	4,138
Total noninterest expense	$1,850,000	6,024
Salaries and employee benefits	$918,000	6,293
Premises and equipment expense	$383,000	4,736
Additional noninterest expense	$549,000	6,161
Pre-tax net operating income	$1,002,000	4,890
Securities gains (losses)	$0	4,612
Applicable income taxes	$348,000	3,993
Income before extraordinary items	$654,000	5,392
Extraordinary gains, net	$0	105
Net income	$654,000	5,395
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	4,067
Cash dividends	$123,000	5,569
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$654,000	5,268
2000-12-31 (YTD Data)		Rank
Total interest income	$4,877,000	5,828
Total interest expense	$2,554,000	5,482
Net interest income	$2,323,000	6,077
Provision for loan and lease losses	$60,000	6,179
Total noninterest income	$325,000	6,087
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$190,000	5,229
Trading account gains and fees	NA	NA
Additional Noninterest Income	$135,000	5,731
Total noninterest expense	$1,805,000	6,050
Salaries and employee benefits	$971,000	6,045
Premises and equipment expense	$308,000	5,348
Additional noninterest expense	$526,000	6,235
Pre-tax net operating income	$783,000	5,926
Securities gains (losses)	$1,000	1,732
Applicable income taxes	$272,000	4,799
Income before extraordinary items	$512,000	6,249
Extraordinary gains, net	$0	38
Net income	$512,000	6,247
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	4,380
Cash dividends	$119,000	5,804
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$511,350	6,278
1999-12-31 (YTD Data)		Rank
Total interest income	$4,167,000	6,220
Total interest expense	$2,035,000	5,941
Net interest income	$2,132,000	6,406
Provision for loan and lease losses	$20,000	7,660
Total noninterest income	$329,000	6,179
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$159,000	5,699
Trading account gains and fees	NA	NA
Additional Noninterest Income	$170,000	5,301
Total noninterest expense	$1,359,000	7,145
Salaries and employee benefits	$737,000	7,035
Premises and equipment expense	$220,000	6,499
Additional noninterest expense	$402,000	7,255
Pre-tax net operating income	$1,082,000	5,068
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$397,000	4,192
Income before extraordinary items	$686,000	5,521
Extraordinary gains, net	$0	35
Net income	$686,000	5,518
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,307
Cash dividends	$120,000	5,887
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$685,360	5,487
1998-12-31 (YTD Data)		Rank
Total interest income	$4,098,000	6,400
Total interest expense	$2,094,000	6,032
Net interest income	$2,004,000	6,667
Provision for loan and lease losses	$0	8,652
Total noninterest income	$325,000	6,253
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$136,000	6,169
Trading account gains and fees	NA	NA
Additional Noninterest Income	$189,000	5,104
Total noninterest expense	$1,323,000	7,186
Salaries and employee benefits	$684,000	7,278
Premises and equipment expense	$244,000	6,050
Additional noninterest expense	$395,000	7,259
Pre-tax net operating income	$1,006,000	5,393
Securities gains (losses)	$0	4,449
Applicable income taxes	$371,000	4,618
Income before extraordinary items	$635,000	5,886
Extraordinary gains, net	$0	32
Net income	$635,000	5,885
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,124
Cash dividends	$114,000	6,134
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$635,000	5,778
1997-12-31 (YTD Data)		Rank
Total interest income	$3,974,000	6,683
Total interest expense	$2,025,000	6,218
Net interest income	$1,949,000	7,031
Provision for loan and lease losses	$0	8,829
Total noninterest income	$210,000	7,712
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$123,000	6,696
Trading account gains and fees	NA	NA
Additional Noninterest Income	$87,000	7,166
Total noninterest expense	$1,194,000	7,701
Salaries and employee benefits	$625,000	7,758
Premises and equipment expense	$230,000	6,349
Additional noninterest expense	$339,000	7,911
Pre-tax net operating income	$965,000	5,941
Securities gains (losses)	$0	3,944
Applicable income taxes	$353,000	5,269
Income before extraordinary items	$612,000	6,293
Extraordinary gains, net	$0	44
Net income	$612,000	6,294
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	9,883
Cash dividends	$101,000	6,441
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$612,000	6,238
1996-12-31 (YTD Data)		Rank
Total interest income	$3,726,000	7,126
Total interest expense	$1,946,000	6,533
Net interest income	$1,780,000	7,598
Provision for loan and lease losses	$50,000	6,559
Total noninterest income	$199,000	8,236
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$118,000	7,104
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	7,707
Total noninterest expense	$1,094,000	8,347
Salaries and employee benefits	$606,000	8,083
Premises and equipment expense	$166,000	7,709
Additional noninterest expense	$322,000	8,651
Pre-tax net operating income	$835,000	6,347
Securities gains (losses)	$0	4,148
Applicable income taxes	$303,000	5,793
Income before extraordinary items	$532,000	6,684
Extraordinary gains, net	$0	53
Net income	$532,000	6,687
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,716
Cash dividends	$91,000	6,870
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$532,000	6,626
1995-12-31 (YTD Data)		Rank
Total interest income	$3,439,000	7,627
Total interest expense	$1,767,000	6,975
Net interest income	$1,672,000	8,091
Provision for loan and lease losses	$0	8,958
Total noninterest income	$177,000	8,836
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$115,000	7,426
Trading account gains and fees	NA	NA
Additional Noninterest Income	$62,000	8,656
Total noninterest expense	$1,050,000	8,760
Salaries and employee benefits	$543,000	8,764
Premises and equipment expense	$171,000	7,793
Additional noninterest expense	$336,000	8,844
Pre-tax net operating income	$799,000	6,839
Securities gains (losses)	$0	3,831
Applicable income taxes	$284,000	6,211
Income before extraordinary items	$515,000	7,137
Extraordinary gains, net	$0	65
Net income	$515,000	7,136
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,590
Cash dividends	$80,000	7,161
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$515,000	7,110
1994-12-31 (YTD Data)		Rank
Total interest income	$3,091,000	7,897
Total interest expense	$1,420,000	7,139
Net interest income	$1,671,000	8,382
Provision for loan and lease losses	$15,000	8,073
Total noninterest income	$162,000	9,470
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$114,000	7,743
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	9,719
Total noninterest expense	$1,006,000	9,321
Salaries and employee benefits	$505,000	9,346
Premises and equipment expense	$154,000	8,443
Additional noninterest expense	$347,000	9,382
Pre-tax net operating income	$812,000	6,813
Securities gains (losses)	$0	3,600
Applicable income taxes	$299,000	5,888
Income before extraordinary items	$513,000	7,215
Extraordinary gains, net	$0	249
Net income	$513,000	7,221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	11,382
Cash dividends	$74,000	7,474
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$513,000	7,247
1993-12-31 (YTD Data)		Rank
Total interest income	$3,072,000	8,209
Total interest expense	$1,434,000	7,434
Net interest income	$1,638,000	8,683
Provision for loan and lease losses	$95,000	5,900
Total noninterest income	$168,000	9,848
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$124,000	7,750
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	10,462
Total noninterest expense	$968,000	9,885
Salaries and employee benefits	$490,000	9,769
Premises and equipment expense	$124,000	9,663
Additional noninterest expense	$354,000	9,795
Pre-tax net operating income	$743,000	7,128
Securities gains (losses)	$0	7,477
Applicable income taxes	$269,000	6,503
Income before extraordinary items	$474,000	7,755
Extraordinary gains, net	$16,000	2,794
Net income	$490,000	7,822
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$97,000	4,621
Cash dividends	$68,000	7,562
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$474,000	7,495
1992-12-31 (YTD Data)		Rank
Total interest income	$3,307,000	8,459
Total interest expense	$1,729,000	7,818
Net interest income	$1,578,000	9,020
Provision for loan and lease losses	$185,000	5,429
Total noninterest income	$158,000	10,333
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$119,000	7,968
Trading account gains and fees	NA	NA
Additional Noninterest Income	$39,000	11,113
Total noninterest expense	$879,000	10,615
Salaries and employee benefits	$428,000	10,543
Premises and equipment expense	$125,000	9,856
Additional noninterest expense	$326,000	10,488
Pre-tax net operating income	$672,000	7,258
Securities gains (losses)	$0	8,369
Applicable income taxes	$252,000	6,625
Income before extraordinary items	$420,000	8,021
Extraordinary gains, net	$0	1,422
Net income	$420,000	8,146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	4,520
Cash dividends	$48,000	7,787
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$420,000	7,661

* 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.