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Unity Bank, Income and Expense

2018-12-31 (YTD Data)		Rank
Total interest income	$10,830,000	2,388
Total interest expense	$1,559,000	2,287
Net interest income	$9,271,000	2,390
Provision for loan and lease losses	$300,000	1,959
Total noninterest income	$1,682,000	2,195
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$279,000	2,856
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,403,000	1,873
Total noninterest expense	$8,358,000	2,180
Salaries and employee benefits	$4,813,000	2,163
Premises and equipment expense	$825,000	2,320
Additional noninterest expense	$2,720,000	2,078
Pre-tax net operating income	$2,295,000	2,915
Securities gains (losses)	$0	1,125
Applicable income taxes	$5,000	3,827
Income before extraordinary items	$2,290,000	2,730
Extraordinary gains, net	$0	6
Net income	$2,290,000	2,728
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,290,000	2,729
Net charge-offs	$256,000	1,446
Cash dividends	$1,402,000	1,828
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,290,000	2,718
2018-09-30 (YTD Data)		Rank
Total interest income	$8,186,000	2,368
Total interest expense	$1,120,000	2,270
Net interest income	$7,066,000	2,360
Provision for loan and lease losses	$225,000	1,851
Total noninterest income	$1,243,000	2,236
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$205,000	2,902
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,038,000	1,899
Total noninterest expense	$6,053,000	2,223
Salaries and employee benefits	$3,563,000	2,182
Premises and equipment expense	$614,000	2,353
Additional noninterest expense	$1,876,000	2,218
Pre-tax net operating income	$2,031,000	2,709
Securities gains (losses)	$0	1,118
Applicable income taxes	$4,000	3,874
Income before extraordinary items	$2,027,000	2,496
Extraordinary gains, net	$0	5
Net income	$2,027,000	2,495
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,027,000	2,495
Net charge-offs	$46,000	2,265
Cash dividends	$1,127,000	1,562
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,027,000	2,491
2018-06-30 (YTD Data)		Rank
Total interest income	$5,455,000	2,352
Total interest expense	$714,000	2,254
Net interest income	$4,741,000	2,349
Provision for loan and lease losses	$150,000	1,766
Total noninterest income	$829,000	2,227
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$134,000	2,929
Trading account gains and fees	NA	NA
Additional Noninterest Income	$695,000	1,881
Total noninterest expense	$4,033,000	2,248
Salaries and employee benefits	$2,348,000	2,210
Premises and equipment expense	$414,000	2,353
Additional noninterest expense	$1,271,000	2,197
Pre-tax net operating income	$1,387,000	2,650
Securities gains (losses)	$0	961
Applicable income taxes	$3,000	3,871
Income before extraordinary items	$1,384,000	2,439
Extraordinary gains, net	$0	6
Net income	$1,384,000	2,438
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,384,000	2,438
Net charge-offs	$21,000	2,226
Cash dividends	$375,000	2,273
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,384,000	2,436
2018-03-31 (YTD Data)		Rank
Total interest income	$2,650,000	2,404
Total interest expense	$338,000	2,259
Net interest income	$2,312,000	2,393
Provision for loan and lease losses	$75,000	1,680
Total noninterest income	$426,000	2,169
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$64,000	3,012
Trading account gains and fees	NA	NA
Additional Noninterest Income	$362,000	1,814
Total noninterest expense	$2,055,000	2,231
Salaries and employee benefits	$1,187,000	2,215
Premises and equipment expense	$209,000	2,375
Additional noninterest expense	$659,000	2,134
Pre-tax net operating income	$608,000	2,795
Securities gains (losses)	$0	735
Applicable income taxes	$1,000	3,857
Income before extraordinary items	$607,000	2,595
Extraordinary gains, net	$0	7
Net income	$607,000	2,595
Minority interest net income	$0	52
Net income of bank and minority interests.	$607,000	2,595
Net charge-offs	$0	2,722
Cash dividends	$175,000	2,006
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$607,000	2,589
2017-12-31 (YTD Data)		Rank
Total interest income	$10,140,000	2,424
Total interest expense	$1,211,000	2,228
Net interest income	$8,929,000	2,427
Provision for loan and lease losses	$400,000	1,645
Total noninterest income	$1,075,000	2,836
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$241,000	3,190
Trading account gains and fees	NA	NA
Additional Noninterest Income	$834,000	2,521
Total noninterest expense	$8,184,000	2,226
Salaries and employee benefits	$4,644,000	2,211
Premises and equipment expense	$913,000	2,241
Additional noninterest expense	$2,627,000	2,170
Pre-tax net operating income	$1,420,000	3,601
Securities gains (losses)	$0	2,243
Applicable income taxes	$3,000	4,014
Income before extraordinary items	$1,417,000	3,224
Extraordinary gains, net	$0	9
Net income	$1,417,000	3,222
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,417,000	3,224
Net charge-offs	$336,000	1,388
Cash dividends	$1,031,000	2,151
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,417,000	3,197
2017-09-30 (YTD Data)		Rank
Total interest income	$7,507,000	2,453
Total interest expense	$887,000	2,245
Net interest income	$6,620,000	2,457
Provision for loan and lease losses	$225,000	1,898
Total noninterest income	$649,000	3,188
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$175,000	3,266
Trading account gains and fees	NA	NA
Additional Noninterest Income	$474,000	2,876
Total noninterest expense	$6,194,000	2,227
Salaries and employee benefits	$3,515,000	2,196
Premises and equipment expense	$699,000	2,218
Additional noninterest expense	$1,980,000	2,142
Pre-tax net operating income	$850,000	3,992
Securities gains (losses)	$0	2,274
Applicable income taxes	$3,000	4,027
Income before extraordinary items	$847,000	3,772
Extraordinary gains, net	$0	9
Net income	$847,000	3,770
Minority interest net income	$0	71
Net income of bank and minority interests.	$847,000	3,772
Net charge-offs	$146,000	1,628
Cash dividends	$791,000	1,948
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$847,000	3,758
2017-06-30 (YTD Data)		Rank
Total interest income	$4,896,000	2,479
Total interest expense	$573,000	2,254
Net interest income	$4,323,000	2,486
Provision for loan and lease losses	$150,000	1,808
Total noninterest income	$707,000	2,490
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$118,000	3,253
Trading account gains and fees	NA	NA
Additional Noninterest Income	$589,000	2,134
Total noninterest expense	$4,250,000	2,189
Salaries and employee benefits	$2,356,000	2,200
Premises and equipment expense	$489,000	2,161
Additional noninterest expense	$1,405,000	2,036
Pre-tax net operating income	$630,000	3,821
Securities gains (losses)	$0	1,906
Applicable income taxes	$2,000	4,063
Income before extraordinary items	$628,000	3,605
Extraordinary gains, net	$0	11
Net income	$628,000	3,603
Minority interest net income	$0	71
Net income of bank and minority interests.	$628,000	3,605
Net charge-offs	$40,000	2,153
Cash dividends	$239,000	2,713
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$628,000	3,578
2017-03-31 (YTD Data)		Rank
Total interest income	$2,369,000	2,534
Total interest expense	$271,000	2,326
Net interest income	$2,098,000	2,544
Provision for loan and lease losses	$75,000	1,685
Total noninterest income	$331,000	2,589
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$58,000	3,278
Trading account gains and fees	NA	NA
Additional Noninterest Income	$273,000	2,214
Total noninterest expense	$2,175,000	2,170
Salaries and employee benefits	$1,189,000	2,220
Premises and equipment expense	$204,000	2,480
Additional noninterest expense	$782,000	1,874
Pre-tax net operating income	$179,000	4,464
Securities gains (losses)	$0	1,153
Applicable income taxes	$0	4,086
Income before extraordinary items	$179,000	4,279
Extraordinary gains, net	$0	8
Net income	$179,000	4,279
Minority interest net income	$0	55
Net income of bank and minority interests.	$179,000	4,279
Net charge-offs	$15,000	2,041
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$179,000	4,265
2016-12-31 (YTD Data)		Rank
Total interest income	$9,704,000	2,459
Total interest expense	$1,039,000	2,356
Net interest income	$8,665,000	2,456
Provision for loan and lease losses	$300,000	1,988
Total noninterest income	$1,279,000	2,684
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$230,000	3,391
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,049,000	2,342
Total noninterest expense	$7,842,000	2,329
Salaries and employee benefits	$4,299,000	2,374
Premises and equipment expense	$793,000	2,517
Additional noninterest expense	$2,750,000	2,124
Pre-tax net operating income	$1,802,000	3,231
Securities gains (losses)	$0	3,212
Applicable income taxes	$5,000	4,087
Income before extraordinary items	$1,797,000	2,975
Extraordinary gains, net	$0	5
Net income	$1,797,000	2,974
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,797,000	2,974
Net charge-offs	$-2,000	4,729
Cash dividends	$1,443,000	1,746
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,797,000	2,927
2016-09-30 (YTD Data)		Rank
Total interest income	$7,160,000	2,495
Total interest expense	$764,000	2,394
Net interest income	$6,396,000	2,496
Provision for loan and lease losses	$225,000	1,908
Total noninterest income	$916,000	2,755
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$170,000	3,436
Trading account gains and fees	$0	169
Additional Noninterest Income	$746,000	2,408
Total noninterest expense	$5,918,000	2,316
Salaries and employee benefits	$3,244,000	2,343
Premises and equipment expense	$587,000	2,538
Additional noninterest expense	$2,087,000	2,104
Pre-tax net operating income	$1,169,000	3,506
Securities gains (losses)	$0	3,160
Applicable income taxes	$4,000	4,144
Income before extraordinary items	$1,165,000	3,251
Extraordinary gains, net	$0	5
Net income	$1,165,000	3,250
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,165,000	3,251
Net charge-offs	$1,000	3,867
Cash dividends	$1,100,000	1,561
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,165,000	3,195
2016-06-30 (YTD Data)		Rank
Total interest income	$4,789,000	2,494
Total interest expense	$494,000	2,446
Net interest income	$4,295,000	2,488
Provision for loan and lease losses	$150,000	1,887
Total noninterest income	$573,000	2,821
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$116,000	3,390
Trading account gains and fees	$0	157
Additional Noninterest Income	$457,000	2,492
Total noninterest expense	$3,973,000	2,312
Salaries and employee benefits	$2,151,000	2,365
Premises and equipment expense	$389,000	2,561
Additional noninterest expense	$1,433,000	2,057
Pre-tax net operating income	$745,000	3,568
Securities gains (losses)	$0	2,835
Applicable income taxes	$2,000	4,190
Income before extraordinary items	$743,000	3,326
Extraordinary gains, net	$0	16
Net income	$743,000	3,324
Minority interest net income	$0	71
Net income of bank and minority interests.	$743,000	3,324
Net charge-offs	$8,000	3,171
Cash dividends	$330,000	2,422
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$743,000	3,259
2016-03-31 (YTD Data)		Rank
Total interest income	$2,287,000	2,598
Total interest expense	$242,000	2,486
Net interest income	$2,045,000	2,585
Provision for loan and lease losses	$75,000	1,741
Total noninterest income	$287,000	2,790
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$60,000	3,330
Trading account gains and fees	$0	142
Additional Noninterest Income	$227,000	2,461
Total noninterest expense	$1,993,000	2,309
Salaries and employee benefits	$1,062,000	2,400
Premises and equipment expense	$200,000	2,544
Additional noninterest expense	$731,000	1,995
Pre-tax net operating income	$264,000	4,056
Securities gains (losses)	$0	2,077
Applicable income taxes	$1,000	4,176
Income before extraordinary items	$263,000	3,847
Extraordinary gains, net	$0	12
Net income	$263,000	3,844
Minority interest net income	$0	62
Net income of bank and minority interests.	$263,000	3,845
Net charge-offs	$17,000	2,074
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$263,000	3,788
2015-12-31 (YTD Data)		Rank
Total interest income	$9,187,000	2,551
Total interest expense	$776,000	2,877
Net interest income	$8,411,000	2,475
Provision for loan and lease losses	$99,000	3,095
Total noninterest income	$1,212,000	2,776
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$263,000	3,267
Trading account gains and fees	$0	159
Additional Noninterest Income	$949,000	2,447
Total noninterest expense	$7,681,000	2,385
Salaries and employee benefits	$4,149,000	2,422
Premises and equipment expense	$835,000	2,477
Additional noninterest expense	$2,697,000	2,192
Pre-tax net operating income	$1,843,000	3,156
Securities gains (losses)	$0	3,216
Applicable income taxes	$4,000	4,225
Income before extraordinary items	$1,839,000	2,878
Extraordinary gains, net	$0	23
Net income	$1,839,000	2,881
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,839,000	2,881
Net charge-offs	$74,000	2,932
Cash dividends	$2,318,000	1,204
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,839,000	2,834
2015-09-30 (YTD Data)		Rank
Total interest income	$6,749,000	2,614
Total interest expense	$548,000	3,019
Net interest income	$6,201,000	2,529
Provision for loan and lease losses	$0	4,232
Total noninterest income	$900,000	2,805
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$193,000	3,327
Trading account gains and fees	$0	153
Additional Noninterest Income	$707,000	2,469
Total noninterest expense	$5,737,000	2,384
Salaries and employee benefits	$3,150,000	2,384
Premises and equipment expense	$619,000	2,525
Additional noninterest expense	$1,968,000	2,232
Pre-tax net operating income	$1,364,000	3,245
Securities gains (losses)	$0	3,031
Applicable income taxes	$4,000	4,294
Income before extraordinary items	$1,360,000	2,954
Extraordinary gains, net	$0	21
Net income	$1,360,000	2,954
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,360,000	2,955
Net charge-offs	$28,000	3,161
Cash dividends	$2,135,000	926
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,360,000	2,902
2015-06-30 (YTD Data)		Rank
Total interest income	$4,347,000	2,686
Total interest expense	$340,000	3,192
Net interest income	$4,007,000	2,609
Provision for loan and lease losses	$0	4,069
Total noninterest income	$588,000	2,844
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$127,000	3,332
Trading account gains and fees	$0	157
Additional Noninterest Income	$461,000	2,506
Total noninterest expense	$3,829,000	2,392
Salaries and employee benefits	$2,126,000	2,376
Premises and equipment expense	$416,000	2,520
Additional noninterest expense	$1,287,000	2,287
Pre-tax net operating income	$766,000	3,498
Securities gains (losses)	$0	2,636
Applicable income taxes	$2,000	4,347
Income before extraordinary items	$764,000	3,245
Extraordinary gains, net	$0	22
Net income	$764,000	3,245
Minority interest net income	$0	75
Net income of bank and minority interests.	$764,000	3,246
Net charge-offs	$25,000	2,802
Cash dividends	$1,852,000	764
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$764,000	3,181
2015-03-31 (YTD Data)		Rank
Total interest income	$2,110,000	2,746
Total interest expense	$176,000	3,136
Net interest income	$1,934,000	2,674
Provision for loan and lease losses	$0	3,703
Total noninterest income	$327,000	2,669
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$68,000	3,184
Trading account gains and fees	$0	152
Additional Noninterest Income	$259,000	2,304
Total noninterest expense	$1,916,000	2,394
Salaries and employee benefits	$1,058,000	2,390
Premises and equipment expense	$220,000	2,457
Additional noninterest expense	$638,000	2,287
Pre-tax net operating income	$345,000	3,652
Securities gains (losses)	$0	2,027
Applicable income taxes	$1,000	4,289
Income before extraordinary items	$344,000	3,400
Extraordinary gains, net	$0	13
Net income	$344,000	3,403
Minority interest net income	$0	64
Net income of bank and minority interests.	$344,000	3,403
Net charge-offs	$7,000	2,613
Cash dividends	$284,000	1,591
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$344,000	3,316
2014-12-31 (YTD Data)		Rank
Total interest income	$8,741,000	2,710
Total interest expense	$784,000	3,074
Net interest income	$7,957,000	2,633
Provision for loan and lease losses	$0	4,603
Total noninterest income	$1,109,000	2,951
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$314,000	3,124
Trading account gains and fees	$0	180
Additional Noninterest Income	$795,000	2,649
Total noninterest expense	$7,451,000	2,467
Salaries and employee benefits	$3,956,000	2,525
Premises and equipment expense	$905,000	2,434
Additional noninterest expense	$2,590,000	2,340
Pre-tax net operating income	$1,615,000	3,342
Securities gains (losses)	$0	3,259
Applicable income taxes	$3,000	4,369
Income before extraordinary items	$1,612,000	3,114
Extraordinary gains, net	$0	17
Net income	$1,612,000	3,114
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,612,000	3,115
Net charge-offs	$182,000	2,568
Cash dividends	$1,159,000	1,866
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,612,000	3,063
2014-09-30 (YTD Data)		Rank
Total interest income	$6,539,000	2,732
Total interest expense	$597,000	3,105
Net interest income	$5,942,000	2,655
Provision for loan and lease losses	$0	4,401
Total noninterest income	$859,000	2,934
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$237,000	3,140
Trading account gains and fees	$0	174
Additional Noninterest Income	$622,000	2,595
Total noninterest expense	$5,532,000	2,499
Salaries and employee benefits	$2,950,000	2,539
Premises and equipment expense	$662,000	2,509
Additional noninterest expense	$1,920,000	2,350
Pre-tax net operating income	$1,269,000	3,321
Securities gains (losses)	$0	2,980
Applicable income taxes	$3,000	4,402
Income before extraordinary items	$1,266,000	3,040
Extraordinary gains, net	$0	15
Net income	$1,266,000	3,040
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,266,000	3,041
Net charge-offs	$151,000	2,290
Cash dividends	$1,159,000	1,397
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,266,000	2,994
2014-06-30 (YTD Data)		Rank
Total interest income	$4,261,000	2,780
Total interest expense	$401,000	3,122
Net interest income	$3,860,000	2,720
Provision for loan and lease losses	$0	4,196
Total noninterest income	$525,000	3,018
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$163,000	3,059
Trading account gains and fees	$0	172
Additional Noninterest Income	$362,000	2,788
Total noninterest expense	$3,706,000	2,487
Salaries and employee benefits	$1,946,000	2,571
Premises and equipment expense	$446,000	2,496
Additional noninterest expense	$1,314,000	2,270
Pre-tax net operating income	$679,000	3,649
Securities gains (losses)	$0	2,580
Applicable income taxes	$1,000	4,472
Income before extraordinary items	$678,000	3,392
Extraordinary gains, net	$0	20
Net income	$678,000	3,398
Minority interest net income	$0	80
Net income of bank and minority interests.	$678,000	3,398
Net charge-offs	$82,000	2,376
Cash dividends	$908,000	1,246
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$678,000	3,354
2014-03-31 (YTD Data)		Rank
Total interest income	$2,034,000	2,891
Total interest expense	$200,000	3,180
Net interest income	$1,834,000	2,831
Provision for loan and lease losses	$0	3,817
Total noninterest income	$269,000	2,959
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$74,000	3,229
Trading account gains and fees	$0	147
Additional Noninterest Income	$195,000	2,599
Total noninterest expense	$1,822,000	2,546
Salaries and employee benefits	$956,000	2,616
Premises and equipment expense	$214,000	2,625
Additional noninterest expense	$652,000	2,298
Pre-tax net operating income	$281,000	3,918
Securities gains (losses)	$0	1,715
Applicable income taxes	$1,000	4,330
Income before extraordinary items	$280,000	3,666
Extraordinary gains, net	$0	16
Net income	$280,000	3,668
Minority interest net income	$0	66
Net income of bank and minority interests.	$280,000	3,669
Net charge-offs	$6,000	3,056
Cash dividends	$57,000	2,503
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$280,000	3,616
2013-12-31 (YTD Data)		Rank
Total interest income	$8,953,000	2,678
Total interest expense	$809,000	3,424
Net interest income	$8,144,000	2,555
Provision for loan and lease losses	$420,000	2,047
Total noninterest income	$1,160,000	2,961
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$309,000	3,305
Trading account gains and fees	$0	184
Additional Noninterest Income	$851,000	2,587
Total noninterest expense	$7,085,000	2,603
Salaries and employee benefits	$3,640,000	2,706
Premises and equipment expense	$908,000	2,442
Additional noninterest expense	$2,537,000	2,429
Pre-tax net operating income	$1,799,000	3,059
Securities gains (losses)	$0	3,182
Applicable income taxes	$4,000	4,440
Income before extraordinary items	$1,795,000	2,813
Extraordinary gains, net	$0	29
Net income	$1,795,000	2,815
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,795,000	2,816
Net charge-offs	$228,000	2,869
Cash dividends	$1,223,000	1,677
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,795,000	2,754
2013-09-30 (YTD Data)		Rank
Total interest income	$6,822,000	2,667
Total interest expense	$602,000	3,531
Net interest income	$6,220,000	2,526
Provision for loan and lease losses	$385,000	1,821
Total noninterest income	$874,000	3,002
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$225,000	3,374
Trading account gains and fees	$0	180
Additional Noninterest Income	$649,000	2,616
Total noninterest expense	$5,421,000	2,563
Salaries and employee benefits	$2,804,000	2,639
Premises and equipment expense	$753,000	2,273
Additional noninterest expense	$1,864,000	2,457
Pre-tax net operating income	$1,288,000	3,221
Securities gains (losses)	$0	3,040
Applicable income taxes	$4,000	4,492
Income before extraordinary items	$1,284,000	2,944
Extraordinary gains, net	$0	25
Net income	$1,284,000	2,948
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,284,000	2,948
Net charge-offs	$231,000	2,407
Cash dividends	$1,059,000	1,381
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,284,000	2,870
2013-06-30 (YTD Data)		Rank
Total interest income	$4,601,000	2,642
Total interest expense	$403,000	3,568
Net interest income	$4,198,000	2,487
Provision for loan and lease losses	$350,000	1,497
Total noninterest income	$601,000	2,993
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$148,000	3,378
Trading account gains and fees	$0	157
Additional Noninterest Income	$453,000	2,617
Total noninterest expense	$3,520,000	2,627
Salaries and employee benefits	$1,940,000	2,562
Premises and equipment expense	$506,000	2,262
Additional noninterest expense	$1,074,000	2,803
Pre-tax net operating income	$929,000	3,031
Securities gains (losses)	$0	2,791
Applicable income taxes	$3,000	4,453
Income before extraordinary items	$926,000	2,800
Extraordinary gains, net	$0	22
Net income	$926,000	2,804
Minority interest net income	$0	82
Net income of bank and minority interests.	$926,000	2,804
Net charge-offs	$76,000	3,009
Cash dividends	$342,000	2,081
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$926,000	2,692
2013-03-31 (YTD Data)		Rank
Total interest income	$2,312,000	2,634
Total interest expense	$206,000	3,605
Net interest income	$2,106,000	2,498
Provision for loan and lease losses	$245,000	1,174
Total noninterest income	$327,000	2,882
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$70,000	3,467
Trading account gains and fees	$0	148
Additional Noninterest Income	$257,000	2,431
Total noninterest expense	$1,788,000	2,619
Salaries and employee benefits	$1,021,000	2,474
Premises and equipment expense	$261,000	2,238
Additional noninterest expense	$506,000	2,958
Pre-tax net operating income	$400,000	3,298
Securities gains (losses)	$0	1,966
Applicable income taxes	$0	4,602
Income before extraordinary items	$400,000	3,025
Extraordinary gains, net	$0	10
Net income	$400,000	3,025
Minority interest net income	$0	76
Net income of bank and minority interests.	$400,000	3,027
Net charge-offs	$28,000	2,842
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$400,000	2,942
2012-12-31 (YTD Data)		Rank
Total interest income	$9,863,000	2,599
Total interest expense	$1,038,000	3,523
Net interest income	$8,825,000	2,432
Provision for loan and lease losses	$460,000	2,831
Total noninterest income	$1,283,000	2,846
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$317,000	3,383
Trading account gains and fees	$0	166
Additional Noninterest Income	$966,000	2,421
Total noninterest expense	$6,792,000	2,736
Salaries and employee benefits	$3,665,000	2,661
Premises and equipment expense	$972,000	2,327
Additional noninterest expense	$2,155,000	2,918
Pre-tax net operating income	$2,856,000	2,178
Securities gains (losses)	$0	3,810
Applicable income taxes	$5,000	4,499
Income before extraordinary items	$2,851,000	1,943
Extraordinary gains, net	$0	29
Net income	$2,851,000	1,941
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,851,000	1,944
Net charge-offs	$437,000	2,828
Cash dividends	$1,590,000	1,430
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,851,000	1,839
2012-09-30 (YTD Data)		Rank
Total interest income	$7,429,000	2,642
Total interest expense	$812,000	3,553
Net interest income	$6,617,000	2,474
Provision for loan and lease losses	$405,000	2,565
Total noninterest income	$945,000	2,887
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$245,000	3,365
Trading account gains and fees	$0	157
Additional Noninterest Income	$700,000	2,465
Total noninterest expense	$5,168,000	2,698
Salaries and employee benefits	$2,738,000	2,696
Premises and equipment expense	$722,000	2,378
Additional noninterest expense	$1,708,000	2,801
Pre-tax net operating income	$1,989,000	2,366
Securities gains (losses)	$0	3,575
Applicable income taxes	$4,000	4,560
Income before extraordinary items	$1,985,000	2,121
Extraordinary gains, net	$0	20
Net income	$1,985,000	2,121
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,985,000	2,122
Net charge-offs	$215,000	3,218
Cash dividends	$960,000	1,379
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,985,000	1,996
2012-06-30 (YTD Data)		Rank
Total interest income	$4,954,000	2,654
Total interest expense	$570,000	3,521
Net interest income	$4,384,000	2,489
Provision for loan and lease losses	$300,000	2,388
Total noninterest income	$609,000	2,908
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$167,000	3,300
Trading account gains and fees	$0	153
Additional Noninterest Income	$442,000	2,504
Total noninterest expense	$3,463,000	2,701
Salaries and employee benefits	$1,804,000	2,728
Premises and equipment expense	$481,000	2,369
Additional noninterest expense	$1,178,000	2,726
Pre-tax net operating income	$1,230,000	2,476
Securities gains (losses)	$0	3,178
Applicable income taxes	$2,000	4,564
Income before extraordinary items	$1,228,000	2,229
Extraordinary gains, net	$0	19
Net income	$1,228,000	2,229
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,228,000	2,229
Net charge-offs	$60,000	3,867
Cash dividends	$692,000	1,305
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,228,000	2,104
2012-03-31 (YTD Data)		Rank
Total interest income	$2,473,000	2,685
Total interest expense	$302,000	3,500
Net interest income	$2,171,000	2,519
Provision for loan and lease losses	$150,000	2,302
Total noninterest income	$283,000	3,032
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$81,000	3,352
Trading account gains and fees	$0	148
Additional Noninterest Income	$202,000	2,643
Total noninterest expense	$1,703,000	2,737
Salaries and employee benefits	$911,000	2,719
Premises and equipment expense	$244,000	2,336
Additional noninterest expense	$548,000	2,870
Pre-tax net operating income	$601,000	2,526
Securities gains (losses)	$0	2,210
Applicable income taxes	$1,000	4,577
Income before extraordinary items	$600,000	2,254
Extraordinary gains, net	$0	19
Net income	$600,000	2,256
Minority interest net income	$0	78
Net income of bank and minority interests.	$600,000	2,257
Net charge-offs	$41,000	3,172
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$600,000	2,140
2011-12-31 (YTD Data)		Rank
Total interest income	$10,049,000	2,748
Total interest expense	$1,568,000	3,338
Net interest income	$8,481,000	2,580
Provision for loan and lease losses	$875,000	2,616
Total noninterest income	$1,043,000	3,041
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$408,000	2,984
Trading account gains and fees	$0	146
Additional Noninterest Income	$635,000	2,771
Total noninterest expense	$7,024,000	2,663
Salaries and employee benefits	$3,648,000	2,645
Premises and equipment expense	$1,068,000	2,269
Additional noninterest expense	$2,308,000	2,758
Pre-tax net operating income	$1,625,000	2,895
Securities gains (losses)	$0	3,838
Applicable income taxes	$5,000	4,437
Income before extraordinary items	$1,620,000	2,629
Extraordinary gains, net	$0	29
Net income	$1,620,000	2,630
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,620,000	2,630
Net charge-offs	$526,000	3,111
Cash dividends	$1,005,000	1,606
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,620,000	2,548
2011-09-30 (YTD Data)		Rank
Total interest income	$7,512,000	2,783
Total interest expense	$1,232,000	3,334
Net interest income	$6,280,000	2,616
Provision for loan and lease losses	$725,000	2,393
Total noninterest income	$735,000	3,157
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$311,000	2,963
Trading account gains and fees	$0	145
Additional Noninterest Income	$424,000	2,940
Total noninterest expense	$5,371,000	2,616
Salaries and employee benefits	$2,776,000	2,593
Premises and equipment expense	$802,000	2,300
Additional noninterest expense	$1,793,000	2,689
Pre-tax net operating income	$919,000	3,472
Securities gains (losses)	$0	3,555
Applicable income taxes	$4,000	4,473
Income before extraordinary items	$915,000	3,245
Extraordinary gains, net	$0	21
Net income	$915,000	3,245
Minority interest net income	$0	87
Net income of bank and minority interests.	$915,000	3,245
Net charge-offs	$453,000	2,776
Cash dividends	$506,000	1,797
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$915,000	3,142
2011-06-30 (YTD Data)		Rank
Total interest income	$4,969,000	2,822
Total interest expense	$853,000	3,341
Net interest income	$4,116,000	2,675
Provision for loan and lease losses	$575,000	2,156
Total noninterest income	$479,000	3,204
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$204,000	2,971
Trading account gains and fees	$0	153
Additional Noninterest Income	$275,000	3,008
Total noninterest expense	$3,708,000	2,561
Salaries and employee benefits	$1,885,000	2,551
Premises and equipment expense	$535,000	2,313
Additional noninterest expense	$1,288,000	2,571
Pre-tax net operating income	$312,000	4,560
Securities gains (losses)	$0	2,914
Applicable income taxes	$1,000	4,573
Income before extraordinary items	$311,000	4,389
Extraordinary gains, net	$0	15
Net income	$311,000	4,388
Minority interest net income	$0	89
Net income of bank and minority interests.	$311,000	4,390
Net charge-offs	$332,000	2,572
Cash dividends	$331,000	1,835
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$311,000	4,308
2011-03-31 (YTD Data)		Rank
Total interest income	$2,493,000	2,835
Total interest expense	$446,000	3,336
Net interest income	$2,047,000	2,669
Provision for loan and lease losses	$400,000	1,629
Total noninterest income	$221,000	3,387
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$96,000	3,056
Trading account gains and fees	$0	158
Additional Noninterest Income	$125,000	3,198
Total noninterest expense	$1,946,000	2,474
Salaries and employee benefits	$952,000	2,543
Premises and equipment expense	$277,000	2,283
Additional noninterest expense	$717,000	2,314
Pre-tax net operating income	$-78,000	6,628
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$-78,000	6,661
Extraordinary gains, net	$0	9
Net income	$-78,000	6,661
Minority interest net income	$0	86
Net income of bank and minority interests.	$-78,000	6,661
Net charge-offs	$238,000	1,965
Cash dividends	$322,000	1,065
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-78,000	6,649
2010-12-31 (YTD Data)		Rank
Total interest income	$10,027,000	2,956
Total interest expense	$2,777,000	2,764
Net interest income	$7,250,000	2,982
Provision for loan and lease losses	$1,047,000	2,975
Total noninterest income	$1,098,000	3,069
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$446,000	2,870
Trading account gains and fees	$0	175
Additional Noninterest Income	$652,000	2,801
Total noninterest expense	$6,670,000	2,842
Salaries and employee benefits	$3,495,000	2,737
Premises and equipment expense	$1,076,000	2,323
Additional noninterest expense	$2,099,000	3,130
Pre-tax net operating income	$631,000	4,078
Securities gains (losses)	$82,000	2,327
Applicable income taxes	$9,000	4,240
Income before extraordinary items	$704,000	3,850
Extraordinary gains, net	$0	29
Net income	$704,000	3,850
Minority interest net income	$0	111
Net income of bank and minority interests.	$704,000	3,852
Net charge-offs	$1,029,000	2,641
Cash dividends	$340,000	2,803
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$622,820	3,875
2010-09-30 (YTD Data)		Rank
Total interest income	$7,495,000	3,021
Total interest expense	$2,197,000	2,761
Net interest income	$5,298,000	3,086
Provision for loan and lease losses	$525,000	3,464
Total noninterest income	$825,000	3,098
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$336,000	2,927
Trading account gains and fees	$0	165
Additional Noninterest Income	$489,000	2,790
Total noninterest expense	$5,050,000	2,815
Salaries and employee benefits	$2,622,000	2,737
Premises and equipment expense	$811,000	2,362
Additional noninterest expense	$1,617,000	3,004
Pre-tax net operating income	$548,000	4,078
Securities gains (losses)	$82,000	2,089
Applicable income taxes	$7,000	4,338
Income before extraordinary items	$623,000	3,706
Extraordinary gains, net	$0	23
Net income	$623,000	3,706
Minority interest net income	$0	110
Net income of bank and minority interests.	$623,000	3,707
Net charge-offs	$657,000	2,707
Cash dividends	$255,000	2,483
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$541,820	3,822
2010-06-30 (YTD Data)		Rank
Total interest income	$4,893,000	3,096
Total interest expense	$1,534,000	2,734
Net interest income	$3,359,000	3,206
Provision for loan and lease losses	$240,000	3,941
Total noninterest income	$528,000	3,117
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$233,000	2,857
Trading account gains and fees	$0	152
Additional Noninterest Income	$295,000	2,863
Total noninterest expense	$3,381,000	2,809
Salaries and employee benefits	$1,757,000	2,746
Premises and equipment expense	$538,000	2,387
Additional noninterest expense	$1,086,000	2,988
Pre-tax net operating income	$266,000	4,557
Securities gains (losses)	$30,000	2,176
Applicable income taxes	$6,000	4,252
Income before extraordinary items	$290,000	4,373
Extraordinary gains, net	$0	19
Net income	$290,000	4,372
Minority interest net income	$0	105
Net income of bank and minority interests.	$290,000	4,372
Net charge-offs	$476,000	2,512
Cash dividends	$170,000	2,435
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$260,600	4,388
2010-03-31 (YTD Data)		Rank
Total interest income	$2,397,000	3,202
Total interest expense	$780,000	2,810
Net interest income	$1,617,000	3,345
Provision for loan and lease losses	$85,000	4,189
Total noninterest income	$283,000	2,988
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$112,000	2,929
Trading account gains and fees	$0	175
Additional Noninterest Income	$171,000	2,625
Total noninterest expense	$1,654,000	2,883
Salaries and employee benefits	$864,000	2,826
Premises and equipment expense	$268,000	2,436
Additional noninterest expense	$522,000	3,052
Pre-tax net operating income	$161,000	4,442
Securities gains (losses)	$0	2,284
Applicable income taxes	$4,000	4,179
Income before extraordinary items	$157,000	4,313
Extraordinary gains, net	$0	16
Net income	$157,000	4,314
Minority interest net income	$0	91
Net income of bank and minority interests.	$157,000	4,312
Net charge-offs	$81,000	3,299
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$157,000	4,212
2009-12-31 (YTD Data)		Rank
Total interest income	$9,817,000	3,278
Total interest expense	$3,793,000	2,858
Net interest income	$6,024,000	3,459
Provision for loan and lease losses	$915,000	3,632
Total noninterest income	$1,107,000	3,147
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$521,000	2,803
Trading account gains and fees	$0	211
Additional Noninterest Income	$586,000	2,934
Total noninterest expense	$6,524,000	2,970
Salaries and employee benefits	$3,382,000	2,875
Premises and equipment expense	$1,091,000	2,397
Additional noninterest expense	$2,051,000	3,250
Pre-tax net operating income	$-308,000	5,816
Securities gains (losses)	$343,000	1,122
Applicable income taxes	$13,000	3,817
Income before extraordinary items	$22,000	5,453
Extraordinary gains, net	$0	34
Net income	$22,000	5,452
Minority interest net income	$0	115
Net income of bank and minority interests.	$22,000	5,452
Net charge-offs	$622,000	3,512
Cash dividends	$23,000	4,570
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-197,520	5,817
2009-09-30 (YTD Data)		Rank
Total interest income	$7,283,000	3,350
Total interest expense	$2,929,000	2,909
Net interest income	$4,354,000	3,563
Provision for loan and lease losses	$820,000	3,076
Total noninterest income	$859,000	3,126
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$379,000	2,868
Trading account gains and fees	$0	212
Additional Noninterest Income	$480,000	2,874
Total noninterest expense	$4,635,000	3,113
Salaries and employee benefits	$2,357,000	3,074
Premises and equipment expense	$741,000	2,628
Additional noninterest expense	$1,537,000	3,224
Pre-tax net operating income	$-242,000	6,072
Securities gains (losses)	$325,000	945
Applicable income taxes	$12,000	3,988
Income before extraordinary items	$71,000	5,458
Extraordinary gains, net	$0	27
Net income	$71,000	5,458
Minority interest net income	$0	118
Net income of bank and minority interests.	$71,000	5,458
Net charge-offs	$609,000	2,796
Cash dividends	$23,000	4,075
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-208,500	6,100
2009-06-30 (YTD Data)		Rank
Total interest income	$4,738,000	3,435
Total interest expense	$1,978,000	2,994
Net interest income	$2,760,000	3,690
Provision for loan and lease losses	$90,000	5,421
Total noninterest income	$531,000	3,270
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$255,000	2,822
Trading account gains and fees	$0	193
Additional Noninterest Income	$276,000	3,130
Total noninterest expense	$3,303,000	2,965
Salaries and employee benefits	$1,671,000	2,971
Premises and equipment expense	$551,000	2,438
Additional noninterest expense	$1,081,000	3,090
Pre-tax net operating income	$-102,000	6,102
Securities gains (losses)	$169,000	1,117
Applicable income taxes	$4,000	4,294
Income before extraordinary items	$63,000	5,479
Extraordinary gains, net	$0	21
Net income	$63,000	5,475
Minority interest net income	$0	112
Net income of bank and minority interests.	$63,000	5,475
Net charge-offs	$437,000	2,496
Cash dividends	$23,000	3,845
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-95,860	6,142
2009-03-31 (YTD Data)		Rank
Total interest income	$2,346,000	3,518
Total interest expense	$992,000	3,069
Net interest income	$1,354,000	3,728
Provision for loan and lease losses	$90,000	4,033
Total noninterest income	$283,000	3,129
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$127,000	2,774
Trading account gains and fees	$0	171
Additional Noninterest Income	$156,000	2,906
Total noninterest expense	$1,576,000	3,007
Salaries and employee benefits	$838,000	2,983
Premises and equipment expense	$288,000	2,377
Additional noninterest expense	$450,000	3,270
Pre-tax net operating income	$-29,000	6,409
Securities gains (losses)	$87,000	1,066
Applicable income taxes	$4,000	4,381
Income before extraordinary items	$54,000	5,617
Extraordinary gains, net	$0	15
Net income	$54,000	5,620
Minority interest net income	$0	102
Net income of bank and minority interests.	$54,000	5,620
Net charge-offs	$172,000	2,282
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-26,910	6,430
2008-12-31 (YTD Data)		Rank
Total interest income	$10,264,000	3,457
Total interest expense	$4,480,000	3,235
Net interest income	$5,784,000	3,567
Provision for loan and lease losses	$280,000	4,739
Total noninterest income	$963,000	3,493
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$532,000	2,878
Trading account gains and fees	$0	154
Additional Noninterest Income	$431,000	3,451
Total noninterest expense	$5,782,000	3,188
Salaries and employee benefits	$3,095,000	3,165
Premises and equipment expense	$912,000	2,843
Additional noninterest expense	$1,775,000	3,169
Pre-tax net operating income	$685,000	4,431
Securities gains (losses)	$347,000	497
Applicable income taxes	$2,000	4,800
Income before extraordinary items	$1,030,000	3,229
Extraordinary gains, net	$0	39
Net income	$1,030,000	3,230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$144,000	4,528
Cash dividends	$1,255,000	1,971
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$683,000	4,124
2008-09-30 (YTD Data)		Rank
Total interest income	$7,625,000	3,544
Total interest expense	$3,414,000	3,295
Net interest income	$4,211,000	3,674
Provision for loan and lease losses	$160,000	4,545
Total noninterest income	$738,000	3,530
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$399,000	2,892
Trading account gains and fees	$0	148
Additional Noninterest Income	$339,000	3,469
Total noninterest expense	$4,197,000	3,260
Salaries and employee benefits	$2,240,000	3,301
Premises and equipment expense	$658,000	2,959
Additional noninterest expense	$1,299,000	3,159
Pre-tax net operating income	$592,000	4,669
Securities gains (losses)	$239,000	547
Applicable income taxes	$2,000	5,168
Income before extraordinary items	$829,000	3,496
Extraordinary gains, net	$0	31
Net income	$829,000	3,496
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	4,447
Cash dividends	$903,000	1,945
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$590,000	4,316
2008-06-30 (YTD Data)		Rank
Total interest income	$4,935,000	3,681
Total interest expense	$2,213,000	3,487
Net interest income	$2,722,000	3,753
Provision for loan and lease losses	$80,000	4,586
Total noninterest income	$486,000	3,566
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$253,000	2,977
Trading account gains and fees	$0	149
Additional Noninterest Income	$233,000	3,475
Total noninterest expense	$2,722,000	3,343
Salaries and employee benefits	$1,432,000	3,461
Premises and equipment expense	$420,000	3,079
Additional noninterest expense	$870,000	3,106
Pre-tax net operating income	$406,000	4,772
Securities gains (losses)	$123,000	831
Applicable income taxes	$1,000	5,487
Income before extraordinary items	$528,000	3,910
Extraordinary gains, net	$0	21
Net income	$528,000	3,910
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	4,369
Cash dividends	$602,000	2,023
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$405,000	4,386
2008-03-31 (YTD Data)		Rank
Total interest income	$2,419,000	3,795
Total interest expense	$1,028,000	3,835
Net interest income	$1,391,000	3,672
Provision for loan and lease losses	$80,000	3,055
Total noninterest income	$241,000	3,600
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$119,000	3,082
Trading account gains and fees	$0	158
Additional Noninterest Income	$122,000	3,415
Total noninterest expense	$1,239,000	3,606
Salaries and employee benefits	$655,000	3,727
Premises and equipment expense	$186,000	3,416
Additional noninterest expense	$398,000	3,325
Pre-tax net operating income	$313,000	4,059
Securities gains (losses)	$109,000	674
Applicable income taxes	$0	5,622
Income before extraordinary items	$422,000	3,079
Extraordinary gains, net	$0	15
Net income	$422,000	3,081
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	3,138
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$313,000	3,623
2007-12-31 (YTD Data)		Rank
Total interest income	$9,845,000	3,805
Total interest expense	$4,184,000	3,904
Net interest income	$5,661,000	3,658
Provision for loan and lease losses	$180,000	4,023
Total noninterest income	$845,000	3,900
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$477,000	3,148
Trading account gains and fees	$0	178
Additional Noninterest Income	$368,000	3,893
Total noninterest expense	$4,721,000	3,609
Salaries and employee benefits	$2,704,000	3,507
Premises and equipment expense	$790,000	3,109
Additional noninterest expense	$1,227,000	4,019
Pre-tax net operating income	$1,605,000	3,785
Securities gains (losses)	$0	2,146
Applicable income taxes	$2,000	5,906
Income before extraordinary items	$1,603,000	3,293
Extraordinary gains, net	$0	39
Net income	$1,603,000	3,292
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$105,000	3,697
Cash dividends	$1,365,000	2,147
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,603,000	3,278
2007-09-30 (YTD Data)		Rank
Total interest income	$7,301,000	3,844
Total interest expense	$3,108,000	3,931
Net interest income	$4,193,000	3,697
Provision for loan and lease losses	$60,000	4,834
Total noninterest income	$623,000	3,947
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$343,000	3,236
Trading account gains and fees	$0	184
Additional Noninterest Income	$280,000	3,880
Total noninterest expense	$3,463,000	3,667
Salaries and employee benefits	$2,003,000	3,534
Premises and equipment expense	$584,000	3,128
Additional noninterest expense	$876,000	4,102
Pre-tax net operating income	$1,293,000	3,791
Securities gains (losses)	$0	1,655
Applicable income taxes	$1,000	6,113
Income before extraordinary items	$1,292,000	3,302
Extraordinary gains, net	$0	33
Net income	$1,292,000	3,301
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$105,000	2,761
Cash dividends	$1,026,000	1,953
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,292,000	3,288
2007-06-30 (YTD Data)		Rank
Total interest income	$4,731,000	3,931
Total interest expense	$2,027,000	3,986
Net interest income	$2,704,000	3,819
Provision for loan and lease losses	$20,000	5,312
Total noninterest income	$395,000	4,064
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$223,000	3,278
Trading account gains and fees	$0	168
Additional Noninterest Income	$172,000	4,078
Total noninterest expense	$2,319,000	3,673
Salaries and employee benefits	$1,340,000	3,547
Premises and equipment expense	$385,000	3,177
Additional noninterest expense	$594,000	4,044
Pre-tax net operating income	$760,000	4,134
Securities gains (losses)	$0	1,444
Applicable income taxes	$1,000	6,141
Income before extraordinary items	$759,000	3,641
Extraordinary gains, net	$0	29
Net income	$759,000	3,641
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$687,000	2,009
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$759,000	3,618
2007-03-31 (YTD Data)		Rank
Total interest income	$2,305,000	4,008
Total interest expense	$1,001,000	4,012
Net interest income	$1,304,000	3,904
Provision for loan and lease losses	$0	5,779
Total noninterest income	$186,000	4,175
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$108,000	3,287
Trading account gains and fees	$0	195
Additional Noninterest Income	$78,000	4,266
Total noninterest expense	$1,118,000	3,783
Salaries and employee benefits	$667,000	3,589
Premises and equipment expense	$185,000	3,320
Additional noninterest expense	$266,000	4,336
Pre-tax net operating income	$372,000	4,170
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$372,000	3,669
Extraordinary gains, net	$0	22
Net income	$372,000	3,670
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$372,000	3,648
2006-12-31 (YTD Data)		Rank
Total interest income	$8,989,000	3,874
Total interest expense	$3,450,000	3,955
Net interest income	$5,539,000	3,738
Provision for loan and lease losses	$92,000	4,858
Total noninterest income	$833,000	3,961
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$511,000	3,010
Trading account gains and fees	$0	130
Additional Noninterest Income	$322,000	4,166
Total noninterest expense	$4,436,000	3,658
Salaries and employee benefits	$2,495,000	3,612
Premises and equipment expense	$729,000	3,231
Additional noninterest expense	$1,212,000	3,900
Pre-tax net operating income	$1,844,000	3,832
Securities gains (losses)	$-6,000	7,127
Applicable income taxes	$2,000	6,435
Income before extraordinary items	$1,836,000	3,296
Extraordinary gains, net	$0	51
Net income	$1,836,000	3,295
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	3,535
Cash dividends	$1,284,000	2,158
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,842,000	3,275
2006-09-30 (YTD Data)		Rank
Total interest income	$2,419,000	6,637
Total interest expense	$780,000	6,830
Net interest income	$1,639,000	6,417
Provision for loan and lease losses	$0	6,685
Total noninterest income	$248,000	6,030
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$134,000	5,249
Trading account gains and fees	$0	126
Additional Noninterest Income	$114,000	5,606
Total noninterest expense	$1,260,000	6,631
Salaries and employee benefits	$725,000	6,489
Premises and equipment expense	$193,000	6,167
Additional noninterest expense	$342,000	6,772
Pre-tax net operating income	$627,000	5,763
Securities gains (losses)	$-6,000	7,439
Applicable income taxes	$1,000	6,574
Income before extraordinary items	$620,000	5,278
Extraordinary gains, net	$0	45
Net income	$620,000	5,281
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	5,187
Cash dividends	$354,000	3,433
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$626,000	5,249
2006-06-30 (YTD Data)		Rank
Total interest income	$1,582,000	6,670
Total interest expense	$504,000	6,833
Net interest income	$1,078,000	6,476
Provision for loan and lease losses	$0	6,419
Total noninterest income	$166,000	6,040
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$90,000	5,246
Trading account gains and fees	$0	126
Additional Noninterest Income	$76,000	5,653
Total noninterest expense	$838,000	6,656
Salaries and employee benefits	$481,000	6,535
Premises and equipment expense	$128,000	6,195
Additional noninterest expense	$229,000	6,806
Pre-tax net operating income	$406,000	5,876
Securities gains (losses)	$-1,000	7,450
Applicable income taxes	$1,000	6,575
Income before extraordinary items	$404,000	5,366
Extraordinary gains, net	$0	39
Net income	$404,000	5,369
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,807
Cash dividends	$236,000	3,480
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$405,000	5,360
2006-03-31 (YTD Data)		Rank
Total interest income	$782,000	6,696
Total interest expense	$240,000	6,860
Net interest income	$542,000	6,480
Provision for loan and lease losses	$0	6,013
Total noninterest income	$83,000	5,997
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$42,000	5,298
Trading account gains and fees	$0	115
Additional Noninterest Income	$41,000	5,486
Total noninterest expense	$407,000	6,737
Salaries and employee benefits	$253,000	6,424
Premises and equipment expense	$72,000	5,891
Additional noninterest expense	$82,000	7,469
Pre-tax net operating income	$218,000	5,654
Securities gains (losses)	$-1,000	7,892
Applicable income taxes	$0	6,588
Income before extraordinary items	$217,000	5,152
Extraordinary gains, net	$0	21
Net income	$217,000	5,152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
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	$2,966,000	6,614
Total interest expense	$809,000	6,755
Net interest income	$2,157,000	6,438
Provision for loan and lease losses	$66,000	5,357
Total noninterest income	$471,000	5,384
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$212,000	4,914
Trading account gains and fees	$0	138
Additional Noninterest Income	$259,000	4,657
Total noninterest expense	$1,845,000	6,356
Salaries and employee benefits	$1,036,000	6,245
Premises and equipment expense	$346,000	5,324
Additional noninterest expense	$463,000	6,778
Pre-tax net operating income	$717,000	6,111
Securities gains (losses)	$0	2,296
Applicable income taxes	$1,000	6,850
Income before extraordinary items	$716,000	5,618
Extraordinary gains, net	$0	46
Net income	$716,000	5,622
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	5,152
Cash dividends	$405,000	3,961
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$716,000	5,589
2005-09-30 (YTD Data)		Rank
Total interest income	$2,179,000	6,664
Total interest expense	$574,000	6,810
Net interest income	$1,605,000	6,492
Provision for loan and lease losses	$66,000	4,870
Total noninterest income	$368,000	5,301
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$160,000	4,941
Trading account gains and fees	$0	126
Additional Noninterest Income	$208,000	4,530
Total noninterest expense	$1,364,000	6,363
Salaries and employee benefits	$773,000	6,246
Premises and equipment expense	$243,000	5,522
Additional noninterest expense	$348,000	6,743
Pre-tax net operating income	$543,000	6,232
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$543,000	5,703
Extraordinary gains, net	$0	35
Net income	$543,000	5,706
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	4,418
Cash dividends	$300,000	3,493
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$543,000	5,665
2005-06-30 (YTD Data)		Rank
Total interest income	$1,418,000	6,686
Total interest expense	$356,000	6,863
Net interest income	$1,062,000	6,518
Provision for loan and lease losses	$60,000	4,115
Total noninterest income	$232,000	5,412
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$102,000	4,990
Trading account gains and fees	$0	116
Additional Noninterest Income	$130,000	4,617
Total noninterest expense	$939,000	6,274
Salaries and employee benefits	$534,000	6,141
Premises and equipment expense	$166,000	5,420
Additional noninterest expense	$239,000	6,665
Pre-tax net operating income	$295,000	6,609
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$295,000	6,158
Extraordinary gains, net	$0	30
Net income	$295,000	6,160
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	3,677
Cash dividends	$200,000	3,480
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$295,000	6,109
2005-03-31 (YTD Data)		Rank
Total interest income	$689,000	6,784
Total interest expense	$159,000	7,057
Net interest income	$530,000	6,555
Provision for loan and lease losses	$30,000	3,913
Total noninterest income	$137,000	4,943
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$51,000	4,944
Trading account gains and fees	$0	115
Additional Noninterest Income	$86,000	4,035
Total noninterest expense	$466,000	6,335
Salaries and employee benefits	$267,000	6,169
Premises and equipment expense	$89,000	5,250
Additional noninterest expense	$110,000	6,903
Pre-tax net operating income	$171,000	6,301
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$171,000	5,797
Extraordinary gains, net	$0	24
Net income	$171,000	5,798
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	2,584
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$171,000	5,759
2004-12-31 (YTD Data)		Rank
Total interest income	$2,678,000	6,736
Total interest expense	$598,000	6,947
Net interest income	$2,080,000	6,513
Provision for loan and lease losses	$128,000	4,513
Total noninterest income	$446,000	5,545
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$219,000	5,038
Trading account gains and fees	$0	138
Additional Noninterest Income	$227,000	4,833
Total noninterest expense	$1,673,000	6,590
Salaries and employee benefits	$963,000	6,409
Premises and equipment expense	$339,000	5,321
Additional noninterest expense	$371,000	7,282
Pre-tax net operating income	$725,000	6,031
Securities gains (losses)	$33,000	2,039
Applicable income taxes	$1,000	7,085
Income before extraordinary items	$757,000	5,394
Extraordinary gains, net	$0	34
Net income	$757,000	5,396
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	4,821
Cash dividends	$446,000	3,739
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$724,000	5,425
2004-09-30 (YTD Data)		Rank
Total interest income	$1,978,000	6,788
Total interest expense	$443,000	6,984
Net interest income	$1,535,000	6,571
Provision for loan and lease losses	$52,000	5,339
Total noninterest income	$341,000	5,538
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$169,000	5,017
Trading account gains and fees	$0	134
Additional Noninterest Income	$172,000	4,813
Total noninterest expense	$1,225,000	6,623
Salaries and employee benefits	$740,000	6,289
Premises and equipment expense	$256,000	5,274
Additional noninterest expense	$229,000	7,671
Pre-tax net operating income	$599,000	5,907
Securities gains (losses)	$33,000	1,968
Applicable income taxes	$0	7,220
Income before extraordinary items	$632,000	5,226
Extraordinary gains, net	$0	26
Net income	$632,000	5,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$330,000	3,313
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$599,000	5,283
2004-06-30 (YTD Data)		Rank
Total interest income	$1,299,000	6,847
Total interest expense	$292,000	7,029
Net interest income	$1,007,000	6,641
Provision for loan and lease losses	$30,000	5,293
Total noninterest income	$239,000	5,402
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$113,000	4,994
Trading account gains and fees	$0	130
Additional Noninterest Income	$126,000	4,677
Total noninterest expense	$811,000	6,676
Salaries and employee benefits	$485,000	6,388
Premises and equipment expense	$178,000	5,148
Additional noninterest expense	$148,000	7,761
Pre-tax net operating income	$405,000	5,823
Securities gains (losses)	$23,000	1,953
Applicable income taxes	$0	7,214
Income before extraordinary items	$428,000	5,137
Extraordinary gains, net	$0	21
Net income	$428,000	5,137
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$245,000	3,185
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$405,000	5,208
2004-03-31 (YTD Data)		Rank
Total interest income	$629,000	6,954
Total interest expense	$150,000	7,036
Net interest income	$479,000	6,806
Provision for loan and lease losses	$15,000	5,048
Total noninterest income	$118,000	5,380
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$50,000	5,207
Trading account gains and fees	$0	121
Additional Noninterest Income	$68,000	4,507
Total noninterest expense	$387,000	6,853
Salaries and employee benefits	$249,000	6,354
Premises and equipment expense	$76,000	5,660
Additional noninterest expense	$62,000	8,094
Pre-tax net operating income	$195,000	5,875
Securities gains (losses)	$12,000	1,956
Applicable income taxes	$0	7,103
Income before extraordinary items	$207,000	5,250
Extraordinary gains, net	$0	16
Net income	$207,000	5,249
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$195,000	5,280
2003-12-31 (YTD Data)		Rank
Total interest income	$2,781,000	6,762
Total interest expense	$676,000	7,124
Net interest income	$2,105,000	6,421
Provision for loan and lease losses	$40,000	6,511
Total noninterest income	$325,000	6,415
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$211,000	5,148
Trading account gains and fees	$0	160
Additional Noninterest Income	$114,000	6,308
Total noninterest expense	$1,556,000	6,787
Salaries and employee benefits	$952,000	6,434
Premises and equipment expense	$329,000	5,378
Additional noninterest expense	$275,000	7,928
Pre-tax net operating income	$834,000	5,591
Securities gains (losses)	$7,000	3,771
Applicable income taxes	$264,000	4,475
Income before extraordinary items	$577,000	6,024
Extraordinary gains, net	$0	54
Net income	$577,000	6,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,883
Cash dividends	$672,000	3,005
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$572,170	5,893
2003-09-30 (YTD Data)		Rank
Total interest income	$2,130,000	6,784
Total interest expense	$519,000	7,219
Net interest income	$1,611,000	6,411
Provision for loan and lease losses	$40,000	6,097
Total noninterest income	$244,000	6,472
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$159,000	5,175
Trading account gains and fees	$0	153
Additional Noninterest Income	$85,000	6,364
Total noninterest expense	$1,160,000	6,804
Salaries and employee benefits	$715,000	6,409
Premises and equipment expense	$243,000	5,418
Additional noninterest expense	$202,000	7,975
Pre-tax net operating income	$655,000	5,673
Securities gains (losses)	$5,000	3,620
Applicable income taxes	$263,000	4,177
Income before extraordinary items	$397,000	6,370
Extraordinary gains, net	$0	40
Net income	$397,000	6,371
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	6,480
Cash dividends	$531,000	2,593
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$393,800	6,217
2003-06-30 (YTD Data)		Rank
Total interest income	$1,423,000	6,823
Total interest expense	$356,000	7,284
Net interest income	$1,067,000	6,443
Provision for loan and lease losses	$30,000	5,740
Total noninterest income	$160,000	6,494
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$109,000	5,055
Trading account gains and fees	$0	150
Additional Noninterest Income	$51,000	6,530
Total noninterest expense	$770,000	6,833
Salaries and employee benefits	$476,000	6,436
Premises and equipment expense	$156,000	5,529
Additional noninterest expense	$138,000	7,946
Pre-tax net operating income	$427,000	5,703
Securities gains (losses)	$5,000	3,210
Applicable income taxes	$263,000	3,466
Income before extraordinary items	$169,000	7,260
Extraordinary gains, net	$0	30
Net income	$169,000	7,263
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	5,737
Cash dividends	$272,000	3,030
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$165,800	7,114
2003-03-31 (YTD Data)		Rank
Total interest income	$709,000	6,873
Total interest expense	$183,000	7,307
Net interest income	$526,000	6,489
Provision for loan and lease losses	$15,000	5,504
Total noninterest income	$83,000	6,334
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$54,000	5,010
Trading account gains and fees	$0	134
Additional Noninterest Income	$29,000	6,299
Total noninterest expense	$377,000	6,896
Salaries and employee benefits	$233,000	6,507
Premises and equipment expense	$79,000	5,487
Additional noninterest expense	$65,000	8,081
Pre-tax net operating income	$217,000	5,646
Securities gains (losses)	$0	2,891
Applicable income taxes	$1,000	7,273
Income before extraordinary items	$216,000	5,115
Extraordinary gains, net	$0	21
Net income	$216,000	5,114
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,250
Cash dividends	$136,000	2,635
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$216,000	4,926
2002-12-31 (YTD Data)		Rank
Total interest income	$3,028,000	6,834
Total interest expense	$943,000	7,075
Net interest income	$2,085,000	6,491
Provision for loan and lease losses	$35,000	7,087
Total noninterest income	$272,000	6,681
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$197,000	5,230
Trading account gains and fees	$0	153
Additional Noninterest Income	$75,000	6,976
Total noninterest expense	$1,467,000	6,907
Salaries and employee benefits	$844,000	6,720
Premises and equipment expense	$300,000	5,581
Additional noninterest expense	$323,000	7,638
Pre-tax net operating income	$855,000	5,602
Securities gains (losses)	$22,000	3,078
Applicable income taxes	$4,000	7,480
Income before extraordinary items	$873,000	4,959
Extraordinary gains, net	$0	70
Net income	$873,000	4,960
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,516
Cash dividends	$575,000	3,238
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$851,000	4,904
2001-12-31 (YTD Data)		Rank
Total interest income	$3,307,000	6,927
Total interest expense	$1,328,000	7,345
Net interest income	$1,979,000	6,464
Provision for loan and lease losses	$47,000	6,791
Total noninterest income	$287,000	6,531
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$184,000	5,335
Trading account gains and fees	$0	177
Additional Noninterest Income	$103,000	6,375
Total noninterest expense	$1,449,000	6,904
Salaries and employee benefits	$852,000	6,567
Premises and equipment expense	$289,000	5,640
Additional noninterest expense	$308,000	7,792
Pre-tax net operating income	$770,000	5,591
Securities gains (losses)	$20,000	3,157
Applicable income taxes	$28,000	7,125
Income before extraordinary items	$762,000	5,001
Extraordinary gains, net	$0	105
Net income	$762,000	5,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,796
Cash dividends	$542,000	3,326
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$742,800	4,969
2000-12-31 (YTD Data)		Rank
Total interest income	$3,150,000	7,257
Total interest expense	$1,357,000	7,443
Net interest income	$1,793,000	6,935
Provision for loan and lease losses	$83,000	5,704
Total noninterest income	$367,000	5,774
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$166,000	5,543
Trading account gains and fees	NA	NA
Additional Noninterest Income	$201,000	4,793
Total noninterest expense	$1,376,000	7,054
Salaries and employee benefits	$831,000	6,587
Premises and equipment expense	$198,000	6,805
Additional noninterest expense	$347,000	7,571
Pre-tax net operating income	$701,000	6,218
Securities gains (losses)	$0	1,956
Applicable income taxes	$68,000	6,962
Income before extraordinary items	$633,000	5,696
Extraordinary gains, net	$0	38
Net income	$633,000	5,694
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,352
Cash dividends	$587,000	3,277
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$633,000	5,711
1999-12-31 (YTD Data)		Rank
Total interest income	$2,915,000	7,476
Total interest expense	$1,254,000	7,506
Net interest income	$1,661,000	7,262
Provision for loan and lease losses	$110,000	5,020
Total noninterest income	$545,000	4,711
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$173,000	5,490
Trading account gains and fees	NA	NA
Additional Noninterest Income	$372,000	3,573
Total noninterest expense	$1,289,000	7,333
Salaries and employee benefits	$734,000	7,052
Premises and equipment expense	$225,000	6,425
Additional noninterest expense	$330,000	7,876
Pre-tax net operating income	$807,000	5,900
Securities gains (losses)	$-36,000	9,710
Applicable income taxes	$72,000	7,308
Income before extraordinary items	$699,000	5,465
Extraordinary gains, net	$0	35
Net income	$699,000	5,462
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,179
Cash dividends	$333,000	4,309
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$731,760	5,313
1998-12-31 (YTD Data)		Rank
Total interest income	$2,785,000	7,777
Total interest expense	$1,243,000	7,802
Net interest income	$1,542,000	7,593
Provision for loan and lease losses	$26,000	7,477
Total noninterest income	$291,000	6,570
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$195,000	5,213
Trading account gains and fees	NA	NA
Additional Noninterest Income	$96,000	6,726
Total noninterest expense	$1,192,000	7,571
Salaries and employee benefits	$669,000	7,375
Premises and equipment expense	$185,000	6,955
Additional noninterest expense	$338,000	7,759
Pre-tax net operating income	$615,000	6,833
Securities gains (losses)	$0	4,449
Applicable income taxes	$-193,000	10,309
Income before extraordinary items	$808,000	5,167
Extraordinary gains, net	$0	32
Net income	$808,000	5,167
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,546
Cash dividends	$210,000	5,268
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$808,000	5,075
1997-12-31 (YTD Data)		Rank
Total interest income	$2,785,000	8,026
Total interest expense	$1,240,000	8,008
Net interest income	$1,545,000	7,880
Provision for loan and lease losses	$38,000	7,082
Total noninterest income	$495,000	5,033
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$194,000	5,433
Trading account gains and fees	NA	NA
Additional Noninterest Income	$301,000	3,921
Total noninterest expense	$1,788,000	6,088
Salaries and employee benefits	$572,000	8,108
Premises and equipment expense	$177,000	7,240
Additional noninterest expense	$1,039,000	3,758
Pre-tax net operating income	$214,000	9,506
Securities gains (losses)	$0	3,944
Applicable income taxes	$118,000	8,120
Income before extraordinary items	$96,000	9,986
Extraordinary gains, net	$0	44
Net income	$96,000	9,987
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,858
Cash dividends	$400,000	3,931
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$96,000	9,945
1996-12-31 (YTD Data)		Rank
Total interest income	$2,805,000	8,272
Total interest expense	$1,207,000	8,360
Net interest income	$1,598,000	8,030
Provision for loan and lease losses	$24,000	7,740
Total noninterest income	$291,000	7,059
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$212,000	5,361
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	7,772
Total noninterest expense	$985,000	8,721
Salaries and employee benefits	$573,000	8,301
Premises and equipment expense	$114,000	8,934
Additional noninterest expense	$298,000	8,908
Pre-tax net operating income	$880,000	6,162
Securities gains (losses)	$-2,000	9,485
Applicable income taxes	$347,000	5,357
Income before extraordinary items	$531,000	6,689
Extraordinary gains, net	$0	53
Net income	$531,000	6,692
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,500
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$340,000	513
Net operating income	$532,280	6,624
1995-12-31 (YTD Data)		Rank
Total interest income	$2,598,000	8,804
Total interest expense	$1,229,000	8,496
Net interest income	$1,369,000	8,879
Provision for loan and lease losses	$18,000	7,795
Total noninterest income	$261,000	7,565
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$186,000	5,948
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	8,156
Total noninterest expense	$974,000	9,064
Salaries and employee benefits	$562,000	8,629
Premises and equipment expense	$148,000	8,330
Additional noninterest expense	$264,000	9,671
Pre-tax net operating income	$638,000	7,658
Securities gains (losses)	$3,000	3,092
Applicable income taxes	$253,000	6,605
Income before extraordinary items	$388,000	8,173
Extraordinary gains, net	$0	65
Net income	$388,000	8,173
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,354
Cash dividends	$350,000	4,167
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$386,080	8,156
1994-12-31 (YTD Data)		Rank
Total interest income	$2,468,000	8,955
Total interest expense	$1,035,000	8,538
Net interest income	$1,433,000	9,062
Provision for loan and lease losses	$51,000	6,050
Total noninterest income	$273,000	7,603
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$202,000	5,828
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	8,612
Total noninterest expense	$932,000	9,626
Salaries and employee benefits	$519,000	9,219
Premises and equipment expense	$135,000	8,947
Additional noninterest expense	$278,000	10,206
Pre-tax net operating income	$723,000	7,269
Securities gains (losses)	$1,000	3,293
Applicable income taxes	$289,000	6,013
Income before extraordinary items	$435,000	7,843
Extraordinary gains, net	$0	249
Net income	$435,000	7,854
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,099
Cash dividends	$400,000	3,689
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$434,360	7,912
1993-12-31 (YTD Data)		Rank
Total interest income	$2,520,000	9,141
Total interest expense	$1,114,000	8,614
Net interest income	$1,406,000	9,395
Provision for loan and lease losses	$0	10,371
Total noninterest income	$266,000	8,127
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$192,000	6,118
Trading account gains and fees	NA	NA
Additional Noninterest Income	$74,000	8,889
Total noninterest expense	$927,000	10,072
Salaries and employee benefits	$514,000	9,535
Premises and equipment expense	$102,000	10,386
Additional noninterest expense	$311,000	10,305
Pre-tax net operating income	$745,000	7,118
Securities gains (losses)	$6,000	5,977
Applicable income taxes	$295,000	6,142
Income before extraordinary items	$456,000	7,923
Extraordinary gains, net	$0	3,149
Net income	$456,000	8,098
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	9,554
Cash dividends	$363,000	3,899
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$452,160	7,692
1992-12-31 (YTD Data)		Rank
Total interest income	$2,757,000	9,420
Total interest expense	$1,346,000	9,052
Net interest income	$1,411,000	9,586
Provision for loan and lease losses	$31,000	9,924
Total noninterest income	$228,000	8,889
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$180,000	6,393
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	10,527
Total noninterest expense	$860,000	10,708
Salaries and employee benefits	$479,000	9,995
Premises and equipment expense	$105,000	10,550
Additional noninterest expense	$276,000	11,187
Pre-tax net operating income	$748,000	6,837
Securities gains (losses)	$19,000	5,661
Applicable income taxes	$300,000	5,919
Income before extraordinary items	$467,000	7,600
Extraordinary gains, net	$0	1,422
Net income	$467,000	7,708
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	10,379
Cash dividends	$352,000	3,624
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$454,840	7,340

* 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.