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Waypoint Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$16,109,000	2,176
Total interest expense	$5,052,000	2,005
Net interest income	$11,057,000	2,243
Provision for loan and lease losses	$0	3,275
Total noninterest income	$1,203,000	2,529
Gross Fiduciary activities income	$17,000	832
Service charges on deposit accounts	$206,000	2,643
Trading account gains and fees	NA	NA
Additional Noninterest Income	$980,000	2,292
Total noninterest expense	$7,538,000	2,438
Salaries and employee benefits	$4,775,000	2,256
Premises and equipment expense	$775,000	2,350
Additional noninterest expense	$980,000	2,292
Pre-tax net operating income	$4,722,000	1,987
Securities gains (losses)	$198,000	170
Applicable income taxes	$74,000	2,910
Income before extraordinary items	$4,846,000	1,764
Extraordinary gains, net	$0	54
Net income	$4,846,000	1,785
Minority interest net income	$0	88
Net income of bank and minority interests.	$4,846,000	1,767
Net charge-offs	$-55,000	4,214
Cash dividends	$3,390,000	1,085
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$4,651,960	1,837
2023-09-30 (YTD Data)		Rank
Total interest income	$11,750,000	2,183
Total interest expense	$3,474,000	1,985
Net interest income	$8,276,000	2,257
Provision for loan and lease losses	$0	3,085
Total noninterest income	$909,000	2,513
Gross Fiduciary activities income	$17,000	806
Service charges on deposit accounts	$152,000	2,683
Trading account gains and fees	NA	NA
Additional Noninterest Income	$740,000	2,279
Total noninterest expense	$5,701,000	2,405
Salaries and employee benefits	$3,639,000	2,226
Premises and equipment expense	$586,000	2,337
Additional noninterest expense	$740,000	2,279
Pre-tax net operating income	$3,484,000	2,058
Securities gains (losses)	$0	849
Applicable income taxes	$67,000	2,907
Income before extraordinary items	$3,417,000	1,904
Extraordinary gains, net	$0	52
Net income	$3,417,000	1,921
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,417,000	1,904
Net charge-offs	$-49,000	4,207
Cash dividends	$2,590,000	983
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$3,417,000	1,929
2023-06-30 (YTD Data)		Rank
Total interest income	$7,508,000	2,216
Total interest expense	$2,074,000	1,978
Net interest income	$5,434,000	2,294
Provision for loan and lease losses	$0	2,940
Total noninterest income	$611,000	2,461
Gross Fiduciary activities income	$17,000	778
Service charges on deposit accounts	$94,000	2,766
Trading account gains and fees	NA	NA
Additional Noninterest Income	$500,000	2,200
Total noninterest expense	$3,823,000	2,390
Salaries and employee benefits	$2,438,000	2,211
Premises and equipment expense	$396,000	2,322
Additional noninterest expense	$500,000	2,197
Pre-tax net operating income	$2,222,000	2,110
Securities gains (losses)	$0	938
Applicable income taxes	$43,000	2,945
Income before extraordinary items	$2,179,000	1,952
Extraordinary gains, net	$0	51
Net income	$2,179,000	1,976
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,179,000	1,952
Net charge-offs	$-45,000	4,300
Cash dividends	$1,740,000	980
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,179,000	1,960
2023-03-31 (YTD Data)		Rank
Total interest income	$3,567,000	2,277
Total interest expense	$899,000	1,963
Net interest income	$2,668,000	2,326
Provision for loan and lease losses	$0	2,612
Total noninterest income	$310,000	2,450
Gross Fiduciary activities income	$16,000	765
Service charges on deposit accounts	$46,000	2,811
Trading account gains and fees	NA	NA
Additional Noninterest Income	$248,000	2,195
Total noninterest expense	$1,852,000	2,461
Salaries and employee benefits	$1,201,000	2,275
Premises and equipment expense	$211,000	2,278
Additional noninterest expense	$248,000	2,195
Pre-tax net operating income	$1,126,000	2,160
Securities gains (losses)	$0	950
Applicable income taxes	$24,000	2,902
Income before extraordinary items	$1,102,000	1,976
Extraordinary gains, net	$0	4
Net income	$1,102,000	1,976
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,102,000	1,976
Net charge-offs	$-1,000	3,238
Cash dividends	$940,000	869
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,102,000	1,997
2022-12-31 (YTD Data)		Rank
Total interest income	$13,561,000	2,096
Total interest expense	$1,147,000	2,237
Net interest income	$12,414,000	2,058
Provision for loan and lease losses	$0	3,012
Total noninterest income	$1,197,000	2,603
Gross Fiduciary activities income	$17,000	868
Service charges on deposit accounts	$169,000	2,942
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,011,000	2,323
Total noninterest expense	$7,214,000	2,468
Salaries and employee benefits	$4,639,000	2,287
Premises and equipment expense	$762,000	2,383
Additional noninterest expense	$1,011,000	2,323
Pre-tax net operating income	$6,397,000	1,749
Securities gains (losses)	$0	691
Applicable income taxes	$115,000	2,939
Income before extraordinary items	$6,282,000	1,579
Extraordinary gains, net	$0	5
Net income	$6,282,000	1,577
Minority interest net income	$0	63
Net income of bank and minority interests.	$6,282,000	1,578
Net charge-offs	$-562,000	4,610
Cash dividends	$4,437,000	860
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$6,282,000	1,604
2022-09-30 (YTD Data)		Rank
Total interest income	$10,036,000	2,062
Total interest expense	$591,000	2,436
Net interest income	$9,445,000	2,015
Provision for loan and lease losses	$0	2,835
Total noninterest income	$920,000	2,592
Gross Fiduciary activities income	$17,000	841
Service charges on deposit accounts	$126,000	2,968
Trading account gains and fees	NA	NA
Additional Noninterest Income	$777,000	2,342
Total noninterest expense	$5,145,000	2,538
Salaries and employee benefits	$3,276,000	2,362
Premises and equipment expense	$564,000	2,414
Additional noninterest expense	$777,000	2,342
Pre-tax net operating income	$5,220,000	1,638
Securities gains (losses)	$0	740
Applicable income taxes	$86,000	2,950
Income before extraordinary items	$5,134,000	1,455
Extraordinary gains, net	$0	4
Net income	$5,134,000	1,455
Minority interest net income	$0	57
Net income of bank and minority interests.	$5,134,000	1,455
Net charge-offs	$-556,000	4,645
Cash dividends	$3,137,000	820
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$5,134,000	1,485
2022-06-30 (YTD Data)		Rank
Total interest income	$6,623,000	2,038
Total interest expense	$308,000	2,620
Net interest income	$6,315,000	1,967
Provision for loan and lease losses	$0	2,599
Total noninterest income	$604,000	2,610
Gross Fiduciary activities income	$17,000	779
Service charges on deposit accounts	$78,000	3,041
Trading account gains and fees	NA	NA
Additional Noninterest Income	$509,000	2,372
Total noninterest expense	$3,437,000	2,523
Salaries and employee benefits	$2,210,000	2,350
Premises and equipment expense	$372,000	2,435
Additional noninterest expense	$855,000	2,874
Pre-tax net operating income	$3,482,000	1,557
Securities gains (losses)	$0	687
Applicable income taxes	$58,000	2,857
Income before extraordinary items	$3,424,000	1,371
Extraordinary gains, net	$0	4
Net income	$3,424,000	1,371
Minority interest net income	$0	60
Net income of bank and minority interests.	$3,424,000	1,371
Net charge-offs	$-554,000	4,690
Cash dividends	$2,037,000	821
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$3,424,000	1,406
2022-03-31 (YTD Data)		Rank
Total interest income	$3,480,000	1,896
Total interest expense	$149,000	2,633
Net interest income	$3,331,000	1,845
Provision for loan and lease losses	$0	2,285
Total noninterest income	$318,000	2,518
Gross Fiduciary activities income	$17,000	743
Service charges on deposit accounts	$36,000	3,101
Trading account gains and fees	NA	NA
Additional Noninterest Income	$265,000	2,315
Total noninterest expense	$1,693,000	2,547
Salaries and employee benefits	$1,145,000	2,300
Premises and equipment expense	$189,000	2,416
Additional noninterest expense	$359,000	3,153
Pre-tax net operating income	$1,956,000	1,367
Securities gains (losses)	$0	623
Applicable income taxes	$29,000	2,780
Income before extraordinary items	$1,927,000	1,225
Extraordinary gains, net	$0	4
Net income	$1,927,000	1,225
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,927,000	1,225
Net charge-offs	$-430,000	4,733
Cash dividends	$1,187,000	695
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,927,000	1,239
2021-12-31 (YTD Data)		Rank
Total interest income	$13,249,000	2,052
Total interest expense	$999,000	2,218
Net interest income	$12,250,000	2,002
Provision for loan and lease losses	$0	3,064
Total noninterest income	$1,170,000	2,802
Gross Fiduciary activities income	$12,000	860
Service charges on deposit accounts	$139,000	3,100
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,019,000	2,609
Total noninterest expense	$6,778,000	2,539
Salaries and employee benefits	$4,482,000	2,317
Premises and equipment expense	$759,000	2,402
Additional noninterest expense	$1,537,000	3,056
Pre-tax net operating income	$6,642,000	1,700
Securities gains (losses)	$21,000	1,484
Applicable income taxes	$89,000	3,126
Income before extraordinary items	$6,574,000	1,566
Extraordinary gains, net	$0	10
Net income	$6,574,000	1,566
Minority interest net income	$0	74
Net income of bank and minority interests.	$6,574,000	1,566
Net charge-offs	$-1,078,000	4,785
Cash dividends	$4,225,000	906
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$6,553,210	1,545
2021-09-30 (YTD Data)		Rank
Total interest income	$9,936,000	2,078
Total interest expense	$724,000	2,357
Net interest income	$9,212,000	2,023
Provision for loan and lease losses	$0	2,963
Total noninterest income	$904,000	2,820
Gross Fiduciary activities income	$12,000	838
Service charges on deposit accounts	$100,000	3,156
Trading account gains and fees	NA	NA
Additional Noninterest Income	$792,000	2,612
Total noninterest expense	$4,975,000	2,585
Salaries and employee benefits	$3,218,000	2,403
Premises and equipment expense	$572,000	2,413
Additional noninterest expense	$1,185,000	3,027
Pre-tax net operating income	$5,141,000	1,720
Securities gains (losses)	$21,000	1,375
Applicable income taxes	$66,000	3,105
Income before extraordinary items	$5,096,000	1,588
Extraordinary gains, net	$0	8
Net income	$5,096,000	1,588
Minority interest net income	$0	69
Net income of bank and minority interests.	$5,096,000	1,588
Net charge-offs	$-531,000	4,814
Cash dividends	$2,825,000	906
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$5,075,210	1,563
2021-06-30 (YTD Data)		Rank
Total interest income	$7,001,000	2,000
Total interest expense	$520,000	2,319
Net interest income	$6,481,000	1,945
Provision for loan and lease losses	$0	2,862
Total noninterest income	$633,000	2,732
Gross Fiduciary activities income	$12,000	805
Service charges on deposit accounts	$60,000	3,226
Trading account gains and fees	NA	NA
Additional Noninterest Income	$561,000	2,519
Total noninterest expense	$3,269,000	2,599
Salaries and employee benefits	$2,143,000	2,396
Premises and equipment expense	$385,000	2,386
Additional noninterest expense	$741,000	3,133
Pre-tax net operating income	$3,845,000	1,568
Securities gains (losses)	$21,000	1,163
Applicable income taxes	$44,000	3,097
Income before extraordinary items	$3,822,000	1,454
Extraordinary gains, net	$0	6
Net income	$3,822,000	1,454
Minority interest net income	$0	67
Net income of bank and minority interests.	$3,822,000	1,454
Net charge-offs	$-80,000	4,527
Cash dividends	$1,625,000	995
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$3,801,210	1,419
2021-03-31 (YTD Data)		Rank
Total interest income	$3,540,000	1,960
Total interest expense	$278,000	2,285
Net interest income	$3,262,000	1,909
Provision for loan and lease losses	$0	2,741
Total noninterest income	$279,000	2,874
Gross Fiduciary activities income	$12,000	773
Service charges on deposit accounts	$29,000	3,251
Trading account gains and fees	NA	NA
Additional Noninterest Income	$238,000	2,676
Total noninterest expense	$1,611,000	2,609
Salaries and employee benefits	$1,081,000	2,371
Premises and equipment expense	$197,000	2,370
Additional noninterest expense	$333,000	3,252
Pre-tax net operating income	$1,930,000	1,563
Securities gains (losses)	$21,000	866
Applicable income taxes	$22,000	3,050
Income before extraordinary items	$1,929,000	1,429
Extraordinary gains, net	$0	3
Net income	$1,929,000	1,429
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,929,000	1,429
Net charge-offs	$-12,000	4,135
Cash dividends	$825,000	869
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,908,210	1,402
2020-12-31 (YTD Data)		Rank
Total interest income	$12,318,000	2,191
Total interest expense	$1,527,000	2,349
Net interest income	$10,791,000	2,131
Provision for loan and lease losses	$180,000	3,128
Total noninterest income	$1,026,000	2,838
Gross Fiduciary activities income	$12,000	878
Service charges on deposit accounts	$149,000	3,108
Trading account gains and fees	NA	NA
Additional Noninterest Income	$865,000	2,614
Total noninterest expense	$6,487,000	2,578
Salaries and employee benefits	$4,197,000	2,412
Premises and equipment expense	$742,000	2,440
Additional noninterest expense	$1,548,000	2,991
Pre-tax net operating income	$5,150,000	1,752
Securities gains (losses)	$14,000	2,219
Applicable income taxes	$84,000	2,994
Income before extraordinary items	$5,080,000	1,623
Extraordinary gains, net	$0	4
Net income	$5,080,000	1,623
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,080,000	1,623
Net charge-offs	$-74,000	4,682
Cash dividends	$3,400,000	1,022
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$5,066,280	1,576
2020-09-30 (YTD Data)		Rank
Total interest income	$9,268,000	2,198
Total interest expense	$1,207,000	2,375
Net interest income	$8,061,000	2,122
Provision for loan and lease losses	$135,000	3,076
Total noninterest income	$794,000	2,782
Gross Fiduciary activities income	$12,000	840
Service charges on deposit accounts	$116,000	3,091
Trading account gains and fees	NA	NA
Additional Noninterest Income	$666,000	2,558
Total noninterest expense	$4,825,000	2,568
Salaries and employee benefits	$3,139,000	2,397
Premises and equipment expense	$566,000	2,414
Additional noninterest expense	$1,120,000	3,034
Pre-tax net operating income	$3,895,000	1,708
Securities gains (losses)	$14,000	2,034
Applicable income taxes	$63,000	2,987
Income before extraordinary items	$3,846,000	1,560
Extraordinary gains, net	$0	4
Net income	$3,846,000	1,560
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,846,000	1,561
Net charge-offs	$-14,000	4,335
Cash dividends	$2,400,000	962
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$3,832,280	1,530
2020-06-30 (YTD Data)		Rank
Total interest income	$6,418,000	2,161
Total interest expense	$847,000	2,400
Net interest income	$5,571,000	2,082
Provision for loan and lease losses	$90,000	3,062
Total noninterest income	$538,000	2,725
Gross Fiduciary activities income	$12,000	819
Service charges on deposit accounts	$74,000	3,159
Trading account gains and fees	NA	NA
Additional Noninterest Income	$452,000	2,467
Total noninterest expense	$3,202,000	2,576
Salaries and employee benefits	$2,089,000	2,398
Premises and equipment expense	$376,000	2,410
Additional noninterest expense	$737,000	3,057
Pre-tax net operating income	$2,817,000	1,534
Securities gains (losses)	$14,000	1,790
Applicable income taxes	$42,000	2,965
Income before extraordinary items	$2,789,000	1,391
Extraordinary gains, net	$0	4
Net income	$2,789,000	1,391
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,789,000	1,391
Net charge-offs	$-13,000	4,396
Cash dividends	$1,550,000	966
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,775,140	1,357
2020-03-31 (YTD Data)		Rank
Total interest income	$2,966,000	2,289
Total interest expense	$449,000	2,464
Net interest income	$2,517,000	2,219
Provision for loan and lease losses	$45,000	2,611
Total noninterest income	$236,000	2,812
Gross Fiduciary activities income	$3,000	856
Service charges on deposit accounts	$45,000	3,169
Trading account gains and fees	NA	NA
Additional Noninterest Income	$188,000	2,504
Total noninterest expense	$1,655,000	2,556
Salaries and employee benefits	$1,060,000	2,381
Premises and equipment expense	$194,000	2,386
Additional noninterest expense	$401,000	2,934
Pre-tax net operating income	$1,053,000	1,758
Securities gains (losses)	$14,000	1,229
Applicable income taxes	$21,000	2,860
Income before extraordinary items	$1,046,000	1,599
Extraordinary gains, net	$0	4
Net income	$1,046,000	1,598
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,046,000	1,599
Net charge-offs	$-9,000	4,422
Cash dividends	$850,000	917
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,032,280	1,592
2019-12-31 (YTD Data)		Rank
Total interest income	$12,246,000	2,248
Total interest expense	$1,953,000	2,375
Net interest income	$10,293,000	2,182
Provision for loan and lease losses	$300,000	1,946
Total noninterest income	$878,000	2,991
Gross Fiduciary activities income	$13,000	902
Service charges on deposit accounts	$197,000	3,184
Trading account gains and fees	NA	NA
Additional Noninterest Income	$668,000	2,723
Total noninterest expense	$6,245,000	2,632
Salaries and employee benefits	$4,190,000	2,358
Premises and equipment expense	$701,000	2,541
Additional noninterest expense	$1,354,000	3,272
Pre-tax net operating income	$4,626,000	1,857
Securities gains (losses)	$0	2,379
Applicable income taxes	$83,000	3,107
Income before extraordinary items	$4,543,000	1,725
Extraordinary gains, net	$0	11
Net income	$4,543,000	1,726
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,543,000	1,727
Net charge-offs	$24,000	3,045
Cash dividends	$3,075,000	1,165
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$4,543,000	1,691
2019-09-30 (YTD Data)		Rank
Total interest income	$9,271,000	2,260
Total interest expense	$1,478,000	2,371
Net interest income	$7,793,000	2,195
Provision for loan and lease losses	$255,000	1,739
Total noninterest income	$680,000	2,968
Gross Fiduciary activities income	$13,000	868
Service charges on deposit accounts	$151,000	3,187
Trading account gains and fees	NA	NA
Additional Noninterest Income	$516,000	2,710
Total noninterest expense	$4,730,000	2,633
Salaries and employee benefits	$3,093,000	2,390
Premises and equipment expense	$512,000	2,596
Additional noninterest expense	$1,125,000	3,104
Pre-tax net operating income	$3,488,000	1,912
Securities gains (losses)	$0	2,167
Applicable income taxes	$62,000	3,166
Income before extraordinary items	$3,426,000	1,746
Extraordinary gains, net	$0	11
Net income	$3,426,000	1,747
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,426,000	1,747
Net charge-offs	$36,000	2,415
Cash dividends	$2,075,000	1,161
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$3,426,000	1,713
2019-06-30 (YTD Data)		Rank
Total interest income	$6,157,000	2,271
Total interest expense	$990,000	2,352
Net interest income	$5,167,000	2,212
Provision for loan and lease losses	$210,000	1,506
Total noninterest income	$453,000	2,929
Gross Fiduciary activities income	$13,000	839
Service charges on deposit accounts	$96,000	3,248
Trading account gains and fees	NA	NA
Additional Noninterest Income	$344,000	2,658
Total noninterest expense	$3,181,000	2,638
Salaries and employee benefits	$2,071,000	2,409
Premises and equipment expense	$338,000	2,612
Additional noninterest expense	$772,000	3,079
Pre-tax net operating income	$2,229,000	1,953
Securities gains (losses)	$0	1,702
Applicable income taxes	$41,000	3,176
Income before extraordinary items	$2,188,000	1,781
Extraordinary gains, net	$0	11
Net income	$2,188,000	1,780
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,188,000	1,781
Net charge-offs	$40,000	1,988
Cash dividends	$1,275,000	1,229
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,188,000	1,749
2019-03-31 (YTD Data)		Rank
Total interest income	$2,991,000	2,316
Total interest expense	$494,000	2,323
Net interest income	$2,497,000	2,279
Provision for loan and lease losses	$165,000	1,082
Total noninterest income	$213,000	2,979
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$42,000	3,414
Trading account gains and fees	NA	NA
Additional Noninterest Income	$171,000	2,595
Total noninterest expense	$1,570,000	2,672
Salaries and employee benefits	$1,008,000	2,471
Premises and equipment expense	$173,000	2,603
Additional noninterest expense	$389,000	3,064
Pre-tax net operating income	$975,000	2,088
Securities gains (losses)	$0	1,087
Applicable income taxes	$21,000	3,140
Income before extraordinary items	$954,000	1,939
Extraordinary gains, net	$0	5
Net income	$954,000	1,937
Minority interest net income	$0	52
Net income of bank and minority interests.	$954,000	1,938
Net charge-offs	$50,000	1,207
Cash dividends	$675,000	1,102
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$954,000	1,923
2018-12-31 (YTD Data)		Rank
Total interest income	$11,970,000	2,210
Total interest expense	$1,626,000	2,227
Net interest income	$10,344,000	2,182
Provision for loan and lease losses	$580,000	1,332
Total noninterest income	$916,000	2,971
Gross Fiduciary activities income	$20,000	909
Service charges on deposit accounts	$228,000	3,147
Trading account gains and fees	NA	NA
Additional Noninterest Income	$668,000	2,701
Total noninterest expense	$5,904,000	2,748
Salaries and employee benefits	$3,935,000	2,477
Premises and equipment expense	$662,000	2,669
Additional noninterest expense	$1,307,000	3,432
Pre-tax net operating income	$4,776,000	1,835
Securities gains (losses)	$-1,000	4,008
Applicable income taxes	$84,000	3,176
Income before extraordinary items	$4,691,000	1,667
Extraordinary gains, net	$0	6
Net income	$4,691,000	1,666
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,691,000	1,666
Net charge-offs	$805,000	707
Cash dividends	$3,100,000	1,054
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,691,980	1,662
2018-09-30 (YTD Data)		Rank
Total interest income	$8,806,000	2,228
Total interest expense	$1,109,000	2,289
Net interest income	$7,697,000	2,194
Provision for loan and lease losses	$355,000	1,434
Total noninterest income	$683,000	3,006
Gross Fiduciary activities income	$20,000	864
Service charges on deposit accounts	$168,000	3,191
Trading account gains and fees	NA	NA
Additional Noninterest Income	$495,000	2,767
Total noninterest expense	$4,406,000	2,762
Salaries and employee benefits	$2,947,000	2,480
Premises and equipment expense	$474,000	2,765
Additional noninterest expense	$985,000	3,429
Pre-tax net operating income	$3,619,000	1,844
Securities gains (losses)	$-1,000	4,378
Applicable income taxes	$63,000	3,231
Income before extraordinary items	$3,555,000	1,658
Extraordinary gains, net	$0	5
Net income	$3,555,000	1,656
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,555,000	1,657
Net charge-offs	$667,000	598
Cash dividends	$2,300,000	955
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,555,980	1,646
2018-06-30 (YTD Data)		Rank
Total interest income	$5,720,000	2,261
Total interest expense	$643,000	2,421
Net interest income	$5,077,000	2,203
Provision for loan and lease losses	$180,000	1,601
Total noninterest income	$459,000	3,002
Gross Fiduciary activities income	$20,000	838
Service charges on deposit accounts	$111,000	3,200
Trading account gains and fees	NA	NA
Additional Noninterest Income	$328,000	2,783
Total noninterest expense	$2,850,000	2,843
Salaries and employee benefits	$1,926,000	2,536
Premises and equipment expense	$289,000	2,940
Additional noninterest expense	$635,000	3,508
Pre-tax net operating income	$2,506,000	1,759
Securities gains (losses)	$0	961
Applicable income taxes	$42,000	3,225
Income before extraordinary items	$2,464,000	1,596
Extraordinary gains, net	$0	6
Net income	$2,464,000	1,595
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,464,000	1,595
Net charge-offs	$172,000	1,002
Cash dividends	$1,600,000	904
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,464,000	1,580
2018-03-31 (YTD Data)		Rank
Total interest income	$2,821,000	2,279
Total interest expense	$301,000	2,462
Net interest income	$2,520,000	2,227
Provision for loan and lease losses	$30,000	2,415
Total noninterest income	$231,000	2,967
Gross Fiduciary activities income	$9,000	845
Service charges on deposit accounts	$54,000	3,253
Trading account gains and fees	NA	NA
Additional Noninterest Income	$168,000	2,690
Total noninterest expense	$1,431,000	2,868
Salaries and employee benefits	$954,000	2,577
Premises and equipment expense	$134,000	3,101
Additional noninterest expense	$343,000	3,383
Pre-tax net operating income	$1,290,000	1,685
Securities gains (losses)	$0	735
Applicable income taxes	$21,000	3,217
Income before extraordinary items	$1,269,000	1,517
Extraordinary gains, net	$0	7
Net income	$1,269,000	1,517
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,269,000	1,517
Net charge-offs	$-47,000	5,215
Cash dividends	$1,000,000	704
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,269,000	1,505
2017-12-31 (YTD Data)		Rank
Total interest income	$10,833,000	2,283
Total interest expense	$947,000	2,641
Net interest income	$9,886,000	2,250
Provision for loan and lease losses	$120,000	2,846
Total noninterest income	$887,000	3,131
Gross Fiduciary activities income	$11,000	971
Service charges on deposit accounts	$241,000	3,190
Trading account gains and fees	NA	NA
Additional Noninterest Income	$635,000	2,854
Total noninterest expense	$5,585,000	2,903
Salaries and employee benefits	$3,545,000	2,687
Premises and equipment expense	$559,000	3,051
Additional noninterest expense	$1,481,000	3,252
Pre-tax net operating income	$5,068,000	1,691
Securities gains (losses)	$31,000	1,125
Applicable income taxes	$80,000	3,382
Income before extraordinary items	$5,019,000	1,336
Extraordinary gains, net	$0	9
Net income	$5,019,000	1,336
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,019,000	1,336
Net charge-offs	$132,000	2,183
Cash dividends	$4,100,000	797
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$4,988,620	1,332
2017-09-30 (YTD Data)		Rank
Total interest income	$8,065,000	2,303
Total interest expense	$685,000	2,677
Net interest income	$7,380,000	2,265
Provision for loan and lease losses	$90,000	2,745
Total noninterest income	$678,000	3,108
Gross Fiduciary activities income	$11,000	931
Service charges on deposit accounts	$184,000	3,182
Trading account gains and fees	NA	NA
Additional Noninterest Income	$483,000	2,853
Total noninterest expense	$4,055,000	2,984
Salaries and employee benefits	$2,638,000	2,719
Premises and equipment expense	$400,000	3,166
Additional noninterest expense	$1,017,000	3,429
Pre-tax net operating income	$3,913,000	1,678
Securities gains (losses)	$31,000	1,096
Applicable income taxes	$59,000	3,400
Income before extraordinary items	$3,885,000	1,412
Extraordinary gains, net	$0	9
Net income	$3,885,000	1,410
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,885,000	1,412
Net charge-offs	$89,000	2,029
Cash dividends	$3,100,000	740
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,854,310	1,394
2017-06-30 (YTD Data)		Rank
Total interest income	$5,232,000	2,332
Total interest expense	$430,000	2,740
Net interest income	$4,802,000	2,293
Provision for loan and lease losses	$60,000	2,608
Total noninterest income	$464,000	3,084
Gross Fiduciary activities income	$17,000	880
Service charges on deposit accounts	$120,000	3,211
Trading account gains and fees	NA	NA
Additional Noninterest Income	$327,000	2,838
Total noninterest expense	$2,632,000	3,041
Salaries and employee benefits	$1,763,000	2,732
Premises and equipment expense	$272,000	3,137
Additional noninterest expense	$597,000	3,703
Pre-tax net operating income	$2,574,000	1,663
Securities gains (losses)	$31,000	823
Applicable income taxes	$38,000	3,416
Income before extraordinary items	$2,567,000	1,401
Extraordinary gains, net	$0	11
Net income	$2,567,000	1,401
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,567,000	1,402
Net charge-offs	$85,000	1,639
Cash dividends	$2,100,000	727
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,536,310	1,396
2017-03-31 (YTD Data)		Rank
Total interest income	$2,546,000	2,394
Total interest expense	$199,000	2,853
Net interest income	$2,347,000	2,334
Provision for loan and lease losses	$30,000	2,408
Total noninterest income	$239,000	3,036
Gross Fiduciary activities income	$16,000	836
Service charges on deposit accounts	$58,000	3,278
Trading account gains and fees	NA	NA
Additional Noninterest Income	$165,000	2,824
Total noninterest expense	$1,324,000	3,065
Salaries and employee benefits	$892,000	2,738
Premises and equipment expense	$138,000	3,145
Additional noninterest expense	$294,000	3,759
Pre-tax net operating income	$1,232,000	1,690
Securities gains (losses)	$1,000	1,030
Applicable income taxes	$17,000	3,423
Income before extraordinary items	$1,216,000	1,448
Extraordinary gains, net	$0	8
Net income	$1,216,000	1,448
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,216,000	1,448
Net charge-offs	$19,000	1,916
Cash dividends	$1,100,000	668
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,215,010	1,433
2016-12-31 (YTD Data)		Rank
Total interest income	$10,239,000	2,348
Total interest expense	$697,000	3,059
Net interest income	$9,542,000	2,277
Provision for loan and lease losses	$340,000	1,873
Total noninterest income	$921,000	3,167
Gross Fiduciary activities income	$17,000	975
Service charges on deposit accounts	$260,000	3,198
Trading account gains and fees	$0	170
Additional Noninterest Income	$644,000	2,941
Total noninterest expense	$5,334,000	3,059
Salaries and employee benefits	$3,442,000	2,787
Premises and equipment expense	$570,000	3,121
Additional noninterest expense	$1,322,000	3,609
Pre-tax net operating income	$4,789,000	1,678
Securities gains (losses)	$55,000	1,768
Applicable income taxes	$80,000	3,414
Income before extraordinary items	$4,764,000	1,442
Extraordinary gains, net	$0	5
Net income	$4,764,000	1,441
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,764,000	1,441
Net charge-offs	$-320,000	5,742
Cash dividends	$3,400,000	936
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$4,710,100	1,421
2016-09-30 (YTD Data)		Rank
Total interest income	$7,695,000	2,351
Total interest expense	$531,000	3,026
Net interest income	$7,164,000	2,274
Provision for loan and lease losses	$270,000	1,728
Total noninterest income	$714,000	3,120
Gross Fiduciary activities income	$17,000	932
Service charges on deposit accounts	$199,000	3,175
Trading account gains and fees	$0	169
Additional Noninterest Income	$498,000	2,905
Total noninterest expense	$3,937,000	3,092
Salaries and employee benefits	$2,583,000	2,777
Premises and equipment expense	$396,000	3,293
Additional noninterest expense	$958,000	3,698
Pre-tax net operating income	$3,671,000	1,669
Securities gains (losses)	$56,000	1,679
Applicable income taxes	$60,000	3,491
Income before extraordinary items	$3,667,000	1,439
Extraordinary gains, net	$0	5
Net income	$3,667,000	1,439
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,667,000	1,439
Net charge-offs	$-114,000	5,607
Cash dividends	$2,400,000	895
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$3,612,120	1,409
2016-06-30 (YTD Data)		Rank
Total interest income	$5,150,000	2,350
Total interest expense	$358,000	3,013
Net interest income	$4,792,000	2,271
Provision for loan and lease losses	$180,000	1,722
Total noninterest income	$502,000	3,030
Gross Fiduciary activities income	$17,000	913
Service charges on deposit accounts	$133,000	3,154
Trading account gains and fees	$0	157
Additional Noninterest Income	$352,000	2,829
Total noninterest expense	$2,645,000	3,092
Salaries and employee benefits	$1,714,000	2,808
Premises and equipment expense	$298,000	3,060
Additional noninterest expense	$633,000	3,737
Pre-tax net operating income	$2,469,000	1,654
Securities gains (losses)	$55,000	1,357
Applicable income taxes	$40,000	3,506
Income before extraordinary items	$2,484,000	1,407
Extraordinary gains, net	$0	16
Net income	$2,484,000	1,406
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,484,000	1,407
Net charge-offs	$-101,000	5,704
Cash dividends	$1,200,000	1,138
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,430,100	1,382
2016-03-31 (YTD Data)		Rank
Total interest income	$2,605,000	2,328
Total interest expense	$180,000	3,020
Net interest income	$2,425,000	2,235
Provision for loan and lease losses	$90,000	1,597
Total noninterest income	$280,000	2,830
Gross Fiduciary activities income	$17,000	853
Service charges on deposit accounts	$68,000	3,097
Trading account gains and fees	$0	142
Additional Noninterest Income	$195,000	2,647
Total noninterest expense	$1,327,000	3,104
Salaries and employee benefits	$863,000	2,800
Premises and equipment expense	$128,000	3,400
Additional noninterest expense	$336,000	3,631
Pre-tax net operating income	$1,288,000	1,569
Securities gains (losses)	$53,000	800
Applicable income taxes	$7,000	3,863
Income before extraordinary items	$1,334,000	1,294
Extraordinary gains, net	$0	12
Net income	$1,334,000	1,295
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,334,000	1,295
Net charge-offs	$-71,000	5,819
Cash dividends	$600,000	1,065
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,281,530	1,300
2015-12-31 (YTD Data)		Rank
Total interest income	$10,415,000	2,291
Total interest expense	$664,000	3,174
Net interest income	$9,751,000	2,197
Provision for loan and lease losses	$476,000	1,413
Total noninterest income	$1,139,000	2,863
Gross Fiduciary activities income	$17,000	1,002
Service charges on deposit accounts	$306,000	2,989
Trading account gains and fees	$0	159
Additional Noninterest Income	$816,000	2,620
Total noninterest expense	$5,583,000	3,002
Salaries and employee benefits	$3,671,000	2,641
Premises and equipment expense	$535,000	3,344
Additional noninterest expense	$1,377,000	3,605
Pre-tax net operating income	$4,831,000	1,617
Securities gains (losses)	$47,000	1,685
Applicable income taxes	$89,000	3,381
Income before extraordinary items	$4,789,000	1,396
Extraordinary gains, net	$0	23
Net income	$4,789,000	1,396
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,789,000	1,396
Net charge-offs	$215,000	1,918
Cash dividends	$4,725,000	698
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$4,742,940	1,382
2015-09-30 (YTD Data)		Rank
Total interest income	$7,828,000	2,307
Total interest expense	$493,000	3,239
Net interest income	$7,335,000	2,200
Provision for loan and lease losses	$355,000	1,372
Total noninterest income	$902,000	2,801
Gross Fiduciary activities income	$17,000	959
Service charges on deposit accounts	$228,000	3,021
Trading account gains and fees	$0	153
Additional Noninterest Income	$657,000	2,551
Total noninterest expense	$4,179,000	3,038
Salaries and employee benefits	$2,776,000	2,641
Premises and equipment expense	$368,000	3,560
Additional noninterest expense	$1,035,000	3,596
Pre-tax net operating income	$3,703,000	1,620
Securities gains (losses)	$47,000	1,506
Applicable income taxes	$67,000	3,490
Income before extraordinary items	$3,683,000	1,388
Extraordinary gains, net	$0	21
Net income	$3,683,000	1,389
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,683,000	1,389
Net charge-offs	$231,000	1,415
Cash dividends	$3,725,000	613
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$3,636,940	1,372
2015-06-30 (YTD Data)		Rank
Total interest income	$5,201,000	2,309
Total interest expense	$320,000	3,313
Net interest income	$4,881,000	2,194
Provision for loan and lease losses	$233,000	1,368
Total noninterest income	$650,000	2,720
Gross Fiduciary activities income	$17,000	941
Service charges on deposit accounts	$157,000	2,938
Trading account gains and fees	$0	157
Additional Noninterest Income	$476,000	2,463
Total noninterest expense	$2,834,000	3,011
Salaries and employee benefits	$1,904,000	2,609
Premises and equipment expense	$248,000	3,566
Additional noninterest expense	$682,000	3,652
Pre-tax net operating income	$2,464,000	1,595
Securities gains (losses)	$28,000	1,532
Applicable income taxes	$44,000	3,517
Income before extraordinary items	$2,448,000	1,364
Extraordinary gains, net	$0	22
Net income	$2,448,000	1,366
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,448,000	1,365
Net charge-offs	$-133,000	5,980
Cash dividends	$2,725,000	551
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,420,560	1,342
2015-03-31 (YTD Data)		Rank
Total interest income	$2,581,000	2,321
Total interest expense	$160,000	3,352
Net interest income	$2,421,000	2,201
Provision for loan and lease losses	$112,000	1,342
Total noninterest income	$318,000	2,709
Gross Fiduciary activities income	$17,000	881
Service charges on deposit accounts	$122,000	2,139
Trading account gains and fees	$0	152
Additional Noninterest Income	$179,000	2,776
Total noninterest expense	$1,480,000	2,925
Salaries and employee benefits	$1,008,000	2,509
Premises and equipment expense	$119,000	3,675
Additional noninterest expense	$353,000	3,565
Pre-tax net operating income	$1,147,000	1,646
Securities gains (losses)	$2,000	1,821
Applicable income taxes	$22,000	3,485
Income before extraordinary items	$1,127,000	1,436
Extraordinary gains, net	$0	13
Net income	$1,127,000	1,438
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,127,000	1,438
Net charge-offs	$-77,000	6,059
Cash dividends	$1,800,000	396
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,125,040	1,399
2014-12-31 (YTD Data)		Rank
Total interest income	$10,272,000	2,339
Total interest expense	$689,000	3,350
Net interest income	$9,583,000	2,219
Provision for loan and lease losses	$426,000	1,615
Total noninterest income	$1,382,000	2,635
Gross Fiduciary activities income	$20,000	1,014
Service charges on deposit accounts	$354,000	2,926
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,008,000	2,318
Total noninterest expense	$5,682,000	3,034
Salaries and employee benefits	$3,538,000	2,737
Premises and equipment expense	$525,000	3,517
Additional noninterest expense	$1,619,000	3,376
Pre-tax net operating income	$4,857,000	1,563
Securities gains (losses)	$47,000	1,772
Applicable income taxes	$94,000	3,428
Income before extraordinary items	$4,810,000	1,354
Extraordinary gains, net	$0	17
Net income	$4,810,000	1,354
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,810,000	1,353
Net charge-offs	$324,000	1,936
Cash dividends	$3,475,000	826
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$4,763,940	1,332
2014-09-30 (YTD Data)		Rank
Total interest income	$7,623,000	2,377
Total interest expense	$525,000	3,367
Net interest income	$7,098,000	2,257
Provision for loan and lease losses	$320,000	1,569
Total noninterest income	$1,069,000	2,611
Gross Fiduciary activities income	$20,000	977
Service charges on deposit accounts	$265,000	2,959
Trading account gains and fees	$0	174
Additional Noninterest Income	$784,000	2,287
Total noninterest expense	$4,209,000	3,075
Salaries and employee benefits	$2,655,000	2,749
Premises and equipment expense	$379,000	3,664
Additional noninterest expense	$1,175,000	3,459
Pre-tax net operating income	$3,638,000	1,577
Securities gains (losses)	$47,000	1,482
Applicable income taxes	$76,000	3,443
Income before extraordinary items	$3,609,000	1,340
Extraordinary gains, net	$0	15
Net income	$3,609,000	1,339
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,609,000	1,340
Net charge-offs	$-84,000	6,167
Cash dividends	$2,375,000	816
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$3,562,940	1,332
2014-06-30 (YTD Data)		Rank
Total interest income	$5,022,000	2,398
Total interest expense	$353,000	3,374
Net interest income	$4,669,000	2,273
Provision for loan and lease losses	$213,000	1,580
Total noninterest income	$631,000	2,759
Gross Fiduciary activities income	$20,000	943
Service charges on deposit accounts	$168,000	3,015
Trading account gains and fees	$0	172
Additional Noninterest Income	$443,000	2,476
Total noninterest expense	$2,676,000	3,190
Salaries and employee benefits	$1,687,000	2,861
Premises and equipment expense	$246,000	3,747
Additional noninterest expense	$743,000	3,605
Pre-tax net operating income	$2,411,000	1,543
Securities gains (losses)	$47,000	1,201
Applicable income taxes	$53,000	3,412
Income before extraordinary items	$2,405,000	1,306
Extraordinary gains, net	$0	20
Net income	$2,405,000	1,306
Minority interest net income	$0	80
Net income of bank and minority interests.	$2,405,000	1,307
Net charge-offs	$-63,000	6,207
Cash dividends	$1,575,000	796
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$2,358,940	1,301
2014-03-31 (YTD Data)		Rank
Total interest income	$2,478,000	2,422
Total interest expense	$177,000	3,418
Net interest income	$2,301,000	2,288
Provision for loan and lease losses	$107,000	1,524
Total noninterest income	$375,000	2,470
Gross Fiduciary activities income	$20,000	893
Service charges on deposit accounts	$79,000	3,101
Trading account gains and fees	$0	147
Additional Noninterest Income	$276,000	2,121
Total noninterest expense	$1,354,000	3,191
Salaries and employee benefits	$842,000	2,883
Premises and equipment expense	$127,000	3,720
Additional noninterest expense	$385,000	3,507
Pre-tax net operating income	$1,215,000	1,498
Securities gains (losses)	$0	1,715
Applicable income taxes	$27,000	3,349
Income before extraordinary items	$1,188,000	1,272
Extraordinary gains, net	$0	16
Net income	$1,188,000	1,273
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,188,000	1,273
Net charge-offs	$-77,000	6,424
Cash dividends	$1,200,000	517
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,188,000	1,240
2013-12-31 (YTD Data)		Rank
Total interest income	$9,912,000	2,449
Total interest expense	$710,000	3,717
Net interest income	$9,202,000	2,274
Provision for loan and lease losses	$374,000	2,195
Total noninterest income	$1,017,000	3,163
Gross Fiduciary activities income	$7,000	1,143
Service charges on deposit accounts	$391,000	2,865
Trading account gains and fees	$0	184
Additional Noninterest Income	$619,000	3,073
Total noninterest expense	$5,069,000	3,373
Salaries and employee benefits	$3,113,000	3,022
Premises and equipment expense	$549,000	3,516
Additional noninterest expense	$1,407,000	3,816
Pre-tax net operating income	$4,776,000	1,480
Securities gains (losses)	$35,000	2,035
Applicable income taxes	$80,000	3,537
Income before extraordinary items	$4,731,000	1,291
Extraordinary gains, net	$0	29
Net income	$4,731,000	1,292
Minority interest net income	$0	90
Net income of bank and minority interests.	$4,731,000	1,294
Net charge-offs	$44,000	4,431
Cash dividends	$5,273,000	540
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$4,696,700	1,274
2013-09-30 (YTD Data)		Rank
Total interest income	$7,339,000	2,493
Total interest expense	$535,000	3,784
Net interest income	$6,804,000	2,323
Provision for loan and lease losses	$267,000	2,224
Total noninterest income	$788,000	3,156
Gross Fiduciary activities income	$7,000	1,087
Service charges on deposit accounts	$298,000	2,838
Trading account gains and fees	$0	180
Additional Noninterest Income	$483,000	3,067
Total noninterest expense	$3,665,000	3,471
Salaries and employee benefits	$2,272,000	3,117
Premises and equipment expense	$408,000	3,565
Additional noninterest expense	$985,000	3,980
Pre-tax net operating income	$3,660,000	1,492
Securities gains (losses)	$31,000	1,973
Applicable income taxes	$55,000	3,672
Income before extraordinary items	$3,636,000	1,266
Extraordinary gains, net	$0	25
Net income	$3,636,000	1,267
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,636,000	1,268
Net charge-offs	$49,000	3,878
Cash dividends	$4,599,000	445
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$3,605,310	1,242
2013-06-30 (YTD Data)		Rank
Total interest income	$4,648,000	2,618
Total interest expense	$358,000	3,831
Net interest income	$4,290,000	2,436
Provision for loan and lease losses	$150,000	2,434
Total noninterest income	$439,000	3,541
Gross Fiduciary activities income	$7,000	1,057
Service charges on deposit accounts	$176,000	3,057
Trading account gains and fees	$0	157
Additional Noninterest Income	$256,000	3,423
Total noninterest expense	$2,312,000	3,624
Salaries and employee benefits	$1,430,000	3,257
Premises and equipment expense	$265,000	3,645
Additional noninterest expense	$617,000	4,120
Pre-tax net operating income	$2,267,000	1,558
Securities gains (losses)	$17,000	2,091
Applicable income taxes	$37,000	3,653
Income before extraordinary items	$2,247,000	1,353
Extraordinary gains, net	$0	22
Net income	$2,247,000	1,355
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,247,000	1,355
Net charge-offs	$41,000	3,522
Cash dividends	$3,919,000	361
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$2,230,340	1,299
2013-03-31 (YTD Data)		Rank
Total interest income	$2,266,000	2,694
Total interest expense	$182,000	3,896
Net interest income	$2,084,000	2,521
Provision for loan and lease losses	$75,000	2,354
Total noninterest income	$198,000	3,669
Gross Fiduciary activities income	$7,000	997
Service charges on deposit accounts	$82,000	3,192
Trading account gains and fees	$0	148
Additional Noninterest Income	$109,000	3,629
Total noninterest expense	$1,133,000	3,705
Salaries and employee benefits	$721,000	3,255
Premises and equipment expense	$123,000	3,841
Additional noninterest expense	$289,000	4,307
Pre-tax net operating income	$1,074,000	1,607
Securities gains (losses)	$6,000	1,600
Applicable income taxes	$19,000	3,634
Income before extraordinary items	$1,061,000	1,394
Extraordinary gains, net	$0	10
Net income	$1,061,000	1,396
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,061,000	1,396
Net charge-offs	$36,000	2,673
Cash dividends	$1,005,000	523
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$1,055,120	1,349
2012-12-31 (YTD Data)		Rank
Total interest income	$9,415,000	2,712
Total interest expense	$1,128,000	3,324
Net interest income	$8,287,000	2,594
Provision for loan and lease losses	$300,000	3,343
Total noninterest income	$767,000	3,723
Gross Fiduciary activities income	$6,000	1,174
Service charges on deposit accounts	$351,000	3,175
Trading account gains and fees	$0	166
Additional Noninterest Income	$410,000	3,609
Total noninterest expense	$4,703,000	3,642
Salaries and employee benefits	$2,781,000	3,299
Premises and equipment expense	$525,000	3,702
Additional noninterest expense	$1,397,000	3,966
Pre-tax net operating income	$4,051,000	1,636
Securities gains (losses)	$37,000	2,896
Applicable income taxes	$77,000	3,677
Income before extraordinary items	$4,011,000	1,455
Extraordinary gains, net	$0	29
Net income	$4,011,000	1,456
Minority interest net income	$0	93
Net income of bank and minority interests.	$4,011,000	1,456
Net charge-offs	$-18,000	6,698
Cash dividends	$4,100,000	678
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,974,740	1,375
2012-09-30 (YTD Data)		Rank
Total interest income	$7,154,000	2,737
Total interest expense	$896,000	3,318
Net interest income	$6,258,000	2,617
Provision for loan and lease losses	$225,000	3,327
Total noninterest income	$589,000	3,713
Gross Fiduciary activities income	$6,000	1,130
Service charges on deposit accounts	$271,000	3,172
Trading account gains and fees	$0	157
Additional Noninterest Income	$312,000	3,634
Total noninterest expense	$3,495,000	3,680
Salaries and employee benefits	$2,103,000	3,304
Premises and equipment expense	$391,000	3,765
Additional noninterest expense	$1,001,000	4,093
Pre-tax net operating income	$3,127,000	1,637
Securities gains (losses)	$27,000	2,753
Applicable income taxes	$59,000	3,705
Income before extraordinary items	$3,095,000	1,448
Extraordinary gains, net	$0	20
Net income	$3,095,000	1,449
Minority interest net income	$0	86
Net income of bank and minority interests.	$3,095,000	1,449
Net charge-offs	$-116,000	7,051
Cash dividends	$2,775,000	593
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$3,068,540	1,367
2012-06-30 (YTD Data)		Rank
Total interest income	$4,834,000	2,710
Total interest expense	$630,000	3,296
Net interest income	$4,204,000	2,591
Provision for loan and lease losses	$150,000	3,329
Total noninterest income	$407,000	3,631
Gross Fiduciary activities income	$6,000	1,098
Service charges on deposit accounts	$179,000	3,186
Trading account gains and fees	$0	153
Additional Noninterest Income	$222,000	3,522
Total noninterest expense	$2,371,000	3,650
Salaries and employee benefits	$1,445,000	3,247
Premises and equipment expense	$257,000	3,801
Additional noninterest expense	$669,000	4,113
Pre-tax net operating income	$2,090,000	1,638
Securities gains (losses)	$27,000	2,373
Applicable income taxes	$41,000	3,668
Income before extraordinary items	$2,076,000	1,435
Extraordinary gains, net	$0	19
Net income	$2,076,000	1,434
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,076,000	1,435
Net charge-offs	$-74,000	7,045
Cash dividends	$2,325,000	454
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$2,049,540	1,364
2012-03-31 (YTD Data)		Rank
Total interest income	$2,444,000	2,708
Total interest expense	$340,000	3,219
Net interest income	$2,104,000	2,593
Provision for loan and lease losses	$75,000	3,178
Total noninterest income	$179,000	3,884
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$89,000	3,179
Trading account gains and fees	$0	148
Additional Noninterest Income	$90,000	3,856
Total noninterest expense	$1,248,000	3,535
Salaries and employee benefits	$747,000	3,183
Premises and equipment expense	$114,000	4,109
Additional noninterest expense	$387,000	3,722
Pre-tax net operating income	$960,000	1,744
Securities gains (losses)	$0	2,210
Applicable income taxes	$23,000	3,599
Income before extraordinary items	$937,000	1,561
Extraordinary gains, net	$0	19
Net income	$937,000	1,562
Minority interest net income	$0	78
Net income of bank and minority interests.	$937,000	1,562
Net charge-offs	$77,000	2,677
Cash dividends	$500,000	850
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$937,000	1,465
2011-12-31 (YTD Data)		Rank
Total interest income	$10,068,000	2,741
Total interest expense	$1,725,000	3,094
Net interest income	$8,343,000	2,624
Provision for loan and lease losses	$785,000	2,766
Total noninterest income	$780,000	3,573
Gross Fiduciary activities income	$20,000	1,031
Service charges on deposit accounts	$416,000	2,949
Trading account gains and fees	$0	146
Additional Noninterest Income	$344,000	3,658
Total noninterest expense	$5,088,000	3,490
Salaries and employee benefits	$2,750,000	3,321
Premises and equipment expense	$540,000	3,844
Additional noninterest expense	$1,798,000	3,407
Pre-tax net operating income	$3,250,000	1,707
Securities gains (losses)	$72,000	2,311
Applicable income taxes	$73,000	3,560
Income before extraordinary items	$3,249,000	1,501
Extraordinary gains, net	$0	29
Net income	$3,249,000	1,501
Minority interest net income	$0	96
Net income of bank and minority interests.	$3,249,000	1,501
Net charge-offs	$793,000	2,647
Cash dividends	$755,000	1,948
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$3,178,440	1,463
2011-09-30 (YTD Data)		Rank
Total interest income	$7,577,000	2,762
Total interest expense	$1,319,000	3,164
Net interest income	$6,258,000	2,625
Provision for loan and lease losses	$710,000	2,424
Total noninterest income	$598,000	3,531
Gross Fiduciary activities income	$3,000	1,135
Service charges on deposit accounts	$320,000	2,900
Trading account gains and fees	$0	145
Additional Noninterest Income	$275,000	3,592
Total noninterest expense	$3,794,000	3,513
Salaries and employee benefits	$1,976,000	3,431
Premises and equipment expense	$406,000	3,870
Additional noninterest expense	$1,412,000	3,302
Pre-tax net operating income	$2,352,000	1,832
Securities gains (losses)	$72,000	2,056
Applicable income taxes	$54,000	3,585
Income before extraordinary items	$2,370,000	1,603
Extraordinary gains, net	$0	21
Net income	$2,370,000	1,603
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,370,000	1,603
Net charge-offs	$607,000	2,455
Cash dividends	$330,000	2,239
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,299,440	1,565
2011-06-30 (YTD Data)		Rank
Total interest income	$5,104,000	2,760
Total interest expense	$901,000	3,205
Net interest income	$4,203,000	2,625
Provision for loan and lease losses	$625,000	2,008
Total noninterest income	$397,000	3,569
Gross Fiduciary activities income	$3,000	1,112
Service charges on deposit accounts	$214,000	2,876
Trading account gains and fees	$0	153
Additional Noninterest Income	$180,000	3,671
Total noninterest expense	$2,475,000	3,602
Salaries and employee benefits	$1,313,000	3,457
Premises and equipment expense	$263,000	3,982
Additional noninterest expense	$899,000	3,457
Pre-tax net operating income	$1,500,000	1,883
Securities gains (losses)	$35,000	1,800
Applicable income taxes	$36,000	3,546
Income before extraordinary items	$1,499,000	1,621
Extraordinary gains, net	$0	15
Net income	$1,499,000	1,621
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,499,000	1,621
Net charge-offs	$31,000	4,801
Cash dividends	$150,000	2,512
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,464,700	1,588
2011-03-31 (YTD Data)		Rank
Total interest income	$2,506,000	2,817
Total interest expense	$465,000	3,225
Net interest income	$2,041,000	2,680
Provision for loan and lease losses	$500,000	1,414
Total noninterest income	$208,000	3,502
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$103,000	2,917
Trading account gains and fees	$0	158
Additional Noninterest Income	$105,000	3,488
Total noninterest expense	$1,252,000	3,583
Salaries and employee benefits	$662,000	3,465
Premises and equipment expense	$130,000	4,058
Additional noninterest expense	$460,000	3,391
Pre-tax net operating income	$497,000	2,565
Securities gains (losses)	$22,000	1,067
Applicable income taxes	$18,000	3,508
Income before extraordinary items	$501,000	2,251
Extraordinary gains, net	$0	9
Net income	$501,000	2,250
Minority interest net income	$0	86
Net income of bank and minority interests.	$501,000	2,251
Net charge-offs	$-12,000	7,063
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$479,660	2,282
2010-12-31 (YTD Data)		Rank
Total interest income	$9,934,000	2,974
Total interest expense	$2,231,000	3,270
Net interest income	$7,703,000	2,822
Provision for loan and lease losses	$1,570,000	2,399
Total noninterest income	$858,000	3,506
Gross Fiduciary activities income	$19,000	1,073
Service charges on deposit accounts	$450,000	2,847
Trading account gains and fees	$0	175
Additional Noninterest Income	$389,000	3,560
Total noninterest expense	$4,890,000	3,674
Salaries and employee benefits	$2,495,000	3,580
Premises and equipment expense	$518,000	4,084
Additional noninterest expense	$1,877,000	3,423
Pre-tax net operating income	$2,101,000	2,154
Securities gains (losses)	$195,000	1,606
Applicable income taxes	$68,000	3,474
Income before extraordinary items	$2,228,000	1,839
Extraordinary gains, net	$0	29
Net income	$2,228,000	1,840
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,228,000	1,841
Net charge-offs	$1,655,000	2,060
Cash dividends	$500,000	2,343
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,038,850	1,912
2010-09-30 (YTD Data)		Rank
Total interest income	$7,489,000	3,024
Total interest expense	$1,728,000	3,316
Net interest income	$5,761,000	2,865
Provision for loan and lease losses	$1,420,000	2,054
Total noninterest income	$648,000	3,536
Gross Fiduciary activities income	$19,000	1,023
Service charges on deposit accounts	$343,000	2,883
Trading account gains and fees	$0	165
Additional Noninterest Income	$286,000	3,616
Total noninterest expense	$3,692,000	3,665
Salaries and employee benefits	$1,846,000	3,659
Premises and equipment expense	$394,000	4,130
Additional noninterest expense	$1,452,000	3,318
Pre-tax net operating income	$1,297,000	2,644
Securities gains (losses)	$183,000	1,443
Applicable income taxes	$51,000	3,562
Income before extraordinary items	$1,429,000	2,232
Extraordinary gains, net	$0	23
Net income	$1,429,000	2,233
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,429,000	2,235
Net charge-offs	$1,385,000	1,844
Cash dividends	$150,000	2,918
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,251,490	2,346
2010-06-30 (YTD Data)		Rank
Total interest income	$5,034,000	3,028
Total interest expense	$1,193,000	3,314
Net interest income	$3,841,000	2,865
Provision for loan and lease losses	$1,200,000	1,743
Total noninterest income	$456,000	3,397
Gross Fiduciary activities income	$19,000	992
Service charges on deposit accounts	$228,000	2,897
Trading account gains and fees	$0	152
Additional Noninterest Income	$209,000	3,441
Total noninterest expense	$2,367,000	3,777
Salaries and employee benefits	$1,231,000	3,686
Premises and equipment expense	$258,000	4,189
Additional noninterest expense	$878,000	3,554
Pre-tax net operating income	$730,000	2,957
Securities gains (losses)	$216,000	907
Applicable income taxes	$34,000	3,521
Income before extraordinary items	$912,000	2,283
Extraordinary gains, net	$0	19
Net income	$912,000	2,280
Minority interest net income	$0	105
Net income of bank and minority interests.	$912,000	2,283
Net charge-offs	$1,139,000	1,597
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$704,640	2,659
2010-03-31 (YTD Data)		Rank
Total interest income	$2,574,000	3,025
Total interest expense	$626,000	3,326
Net interest income	$1,948,000	2,847
Provision for loan and lease losses	$750,000	1,389
Total noninterest income	$262,000	3,127
Gross Fiduciary activities income	$17,000	932
Service charges on deposit accounts	$104,000	3,074
Trading account gains and fees	$0	175
Additional Noninterest Income	$141,000	2,954
Total noninterest expense	$1,186,000	3,793
Salaries and employee benefits	$617,000	3,736
Premises and equipment expense	$117,000	4,526
Additional noninterest expense	$452,000	3,455
Pre-tax net operating income	$274,000	3,522
Securities gains (losses)	$58,000	1,067
Applicable income taxes	$17,000	3,541
Income before extraordinary items	$315,000	3,045
Extraordinary gains, net	$0	16
Net income	$315,000	3,041
Minority interest net income	$0	91
Net income of bank and minority interests.	$315,000	3,045
Net charge-offs	$348,000	1,887
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$259,900	3,298
2009-12-31 (YTD Data)		Rank
Total interest income	$10,761,000	3,042
Total interest expense	$3,506,000	3,053
Net interest income	$7,255,000	2,969
Provision for loan and lease losses	$6,235,000	1,204
Total noninterest income	$601,000	4,365
Gross Fiduciary activities income	$4,000	1,267
Service charges on deposit accounts	$351,000	3,582
Trading account gains and fees	$0	211
Additional Noninterest Income	$246,000	4,300
Total noninterest expense	$4,699,000	3,876
Salaries and employee benefits	$2,276,000	3,979
Premises and equipment expense	$500,000	4,381
Additional noninterest expense	$1,923,000	3,412
Pre-tax net operating income	$-3,078,000	6,909
Securities gains (losses)	$-141,000	7,353
Applicable income taxes	$0	4,388
Income before extraordinary items	$-3,219,000	7,036
Extraordinary gains, net	$0	34
Net income	$-3,219,000	7,034
Minority interest net income	$0	115
Net income of bank and minority interests.	$-3,219,000	7,035
Net charge-offs	$5,952,000	1,003
Cash dividends	$500,000	2,521
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-3,078,000	7,012
2009-09-30 (YTD Data)		Rank
Total interest income	$8,177,000	3,048
Total interest expense	$2,762,000	3,046
Net interest income	$5,415,000	2,976
Provision for loan and lease losses	$5,525,000	981
Total noninterest income	$462,000	4,382
Gross Fiduciary activities income	$4,000	1,209
Service charges on deposit accounts	$254,000	3,664
Trading account gains and fees	$0	212
Additional Noninterest Income	$204,000	4,252
Total noninterest expense	$3,609,000	3,806
Salaries and employee benefits	$1,708,000	3,993
Premises and equipment expense	$381,000	4,378
Additional noninterest expense	$1,520,000	3,251
Pre-tax net operating income	$-3,257,000	7,331
Securities gains (losses)	$-166,000	7,550
Applicable income taxes	$0	4,592
Income before extraordinary items	$-3,423,000	7,427
Extraordinary gains, net	$0	27
Net income	$-3,423,000	7,427
Minority interest net income	$0	118
Net income of bank and minority interests.	$-3,423,000	7,427
Net charge-offs	$4,833,000	839
Cash dividends	$500,000	1,982
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-3,257,000	7,412
2009-06-30 (YTD Data)		Rank
Total interest income	$5,481,000	3,063
Total interest expense	$1,906,000	3,076
Net interest income	$3,575,000	2,990
Provision for loan and lease losses	$4,245,000	853
Total noninterest income	$315,000	4,328
Gross Fiduciary activities income	$4,000	1,184
Service charges on deposit accounts	$168,000	3,656
Trading account gains and fees	$0	193
Additional Noninterest Income	$143,000	4,208
Total noninterest expense	$2,495,000	3,731
Salaries and employee benefits	$1,149,000	4,000
Premises and equipment expense	$249,000	4,466
Additional noninterest expense	$1,097,000	3,058
Pre-tax net operating income	$-2,850,000	7,547
Securities gains (losses)	$30,000	2,159
Applicable income taxes	$0	4,657
Income before extraordinary items	$-2,820,000	7,615
Extraordinary gains, net	$0	21
Net income	$-2,820,000	7,614
Minority interest net income	$0	112
Net income of bank and minority interests.	$-2,820,000	7,614
Net charge-offs	$3,746,000	718
Cash dividends	$350,000	2,028
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-2,850,000	7,625
2009-03-31 (YTD Data)		Rank
Total interest income	$2,773,000	3,064
Total interest expense	$985,000	3,087
Net interest income	$1,788,000	2,993
Provision for loan and lease losses	$3,345,000	526
Total noninterest income	$156,000	4,313
Gross Fiduciary activities income	$2,000	1,166
Service charges on deposit accounts	$86,000	3,560
Trading account gains and fees	$0	171
Additional Noninterest Income	$68,000	4,284
Total noninterest expense	$1,146,000	3,907
Salaries and employee benefits	$558,000	4,116
Premises and equipment expense	$115,000	4,747
Additional noninterest expense	$473,000	3,152
Pre-tax net operating income	$-2,547,000	7,905
Securities gains (losses)	$5,000	2,061
Applicable income taxes	$15,000	3,758
Income before extraordinary items	$-2,557,000	7,947
Extraordinary gains, net	$0	15
Net income	$-2,557,000	7,948
Minority interest net income	$0	102
Net income of bank and minority interests.	$-2,557,000	7,948
Net charge-offs	$3,055,000	447
Cash dividends	$350,000	1,223
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-2,562,000	7,951
2008-12-31 (YTD Data)		Rank
Total interest income	$11,810,000	3,086
Total interest expense	$4,832,000	3,051
Net interest income	$6,978,000	3,063
Provision for loan and lease losses	$725,000	3,190
Total noninterest income	$753,000	3,979
Gross Fiduciary activities income	$2,000	1,351
Service charges on deposit accounts	$433,000	3,302
Trading account gains and fees	$0	154
Additional Noninterest Income	$318,000	4,003
Total noninterest expense	$4,622,000	3,799
Salaries and employee benefits	$2,427,000	3,855
Premises and equipment expense	$525,000	4,332
Additional noninterest expense	$1,670,000	3,343
Pre-tax net operating income	$2,384,000	2,174
Securities gains (losses)	$-105,000	7,252
Applicable income taxes	$61,000	3,742
Income before extraordinary items	$2,218,000	1,800
Extraordinary gains, net	$0	39
Net income	$2,218,000	1,801
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$242,000	3,841
Cash dividends	$1,620,000	1,614
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,319,850	1,840
2008-09-30 (YTD Data)		Rank
Total interest income	$8,917,000	3,132
Total interest expense	$3,738,000	3,073
Net interest income	$5,179,000	3,114
Provision for loan and lease losses	$360,000	3,240
Total noninterest income	$589,000	3,996
Gross Fiduciary activities income	$2,000	1,311
Service charges on deposit accounts	$358,000	3,127
Trading account gains and fees	$0	148
Additional Noninterest Income	$229,000	4,174
Total noninterest expense	$3,483,000	3,770
Salaries and employee benefits	$1,840,000	3,858
Premises and equipment expense	$409,000	4,246
Additional noninterest expense	$1,234,000	3,309
Pre-tax net operating income	$1,925,000	2,374
Securities gains (losses)	$26,000	1,844
Applicable income taxes	$38,000	4,275
Income before extraordinary items	$1,913,000	1,848
Extraordinary gains, net	$0	31
Net income	$1,913,000	1,848
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	8,009
Cash dividends	$1,620,000	1,227
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,887,520	1,968
2008-06-30 (YTD Data)		Rank
Total interest income	$6,015,000	3,144
Total interest expense	$2,615,000	3,065
Net interest income	$3,400,000	3,143
Provision for loan and lease losses	$240,000	2,857
Total noninterest income	$389,000	4,065
Gross Fiduciary activities income	$2,000	1,285
Service charges on deposit accounts	$237,000	3,125
Trading account gains and fees	$0	149
Additional Noninterest Income	$150,000	4,319
Total noninterest expense	$2,329,000	3,788
Salaries and employee benefits	$1,255,000	3,828
Premises and equipment expense	$280,000	4,163
Additional noninterest expense	$794,000	3,383
Pre-tax net operating income	$1,220,000	2,560
Securities gains (losses)	$32,000	1,744
Applicable income taxes	$25,000	4,536
Income before extraordinary items	$1,227,000	2,148
Extraordinary gains, net	$0	21
Net income	$1,227,000	2,148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	7,966
Cash dividends	$1,080,000	1,320
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,195,640	2,155
2008-03-31 (YTD Data)		Rank
Total interest income	$3,152,000	3,084
Total interest expense	$1,389,000	3,084
Net interest income	$1,763,000	3,046
Provision for loan and lease losses	$120,000	2,457
Total noninterest income	$171,000	4,304
Gross Fiduciary activities income	$1,000	1,254
Service charges on deposit accounts	$99,000	3,483
Trading account gains and fees	$0	158
Additional Noninterest Income	$71,000	4,403
Total noninterest expense	$1,102,000	3,951
Salaries and employee benefits	$615,000	3,896
Premises and equipment expense	$132,000	4,369
Additional noninterest expense	$355,000	3,633
Pre-tax net operating income	$712,000	2,382
Securities gains (losses)	$-48,000	8,400
Applicable income taxes	$12,000	4,690
Income before extraordinary items	$652,000	2,151
Extraordinary gains, net	$0	15
Net income	$652,000	2,154
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	7,847
Cash dividends	$540,000	1,278
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$699,040	1,972
2007-12-31 (YTD Data)		Rank
Total interest income	$12,774,000	3,121
Total interest expense	$5,748,000	3,112
Net interest income	$7,026,000	3,092
Provision for loan and lease losses	$480,000	2,381
Total noninterest income	$786,000	4,039
Gross Fiduciary activities income	$3,000	1,373
Service charges on deposit accounts	$493,000	3,086
Trading account gains and fees	$0	178
Additional Noninterest Income	$290,000	4,303
Total noninterest expense	$4,598,000	3,698
Salaries and employee benefits	$2,508,000	3,705
Premises and equipment expense	$544,000	4,114
Additional noninterest expense	$1,546,000	3,329
Pre-tax net operating income	$2,734,000	2,626
Securities gains (losses)	$17,000	1,155
Applicable income taxes	$47,000	4,969
Income before extraordinary items	$2,704,000	2,214
Extraordinary gains, net	$0	39
Net income	$2,704,000	2,213
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$314,000	2,236
Cash dividends	$2,020,000	1,583
Sale, conversion, retirement of capital stock, net	$200,000	756
Net operating income	$2,687,340	2,211
2007-09-30 (YTD Data)		Rank
Total interest income	$9,471,000	3,145
Total interest expense	$4,233,000	3,161
Net interest income	$5,238,000	3,113
Provision for loan and lease losses	$360,000	2,007
Total noninterest income	$599,000	4,029
Gross Fiduciary activities income	$3,000	1,319
Service charges on deposit accounts	$375,000	3,047
Trading account gains and fees	$0	184
Additional Noninterest Income	$221,000	4,304
Total noninterest expense	$3,446,000	3,675
Salaries and employee benefits	$1,877,000	3,710
Premises and equipment expense	$418,000	4,032
Additional noninterest expense	$1,151,000	3,305
Pre-tax net operating income	$2,031,000	2,795
Securities gains (losses)	$-1,000	7,322
Applicable income taxes	$44,000	5,031
Income before extraordinary items	$1,986,000	2,381
Extraordinary gains, net	$0	33
Net income	$1,986,000	2,379
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$336,000	1,417
Cash dividends	$1,470,000	1,552
Sale, conversion, retirement of capital stock, net	$200,000	589
Net operating income	$1,986,980	2,362
2007-06-30 (YTD Data)		Rank
Total interest income	$5,243,000	3,659
Total interest expense	$2,281,000	3,703
Net interest income	$2,962,000	3,571
Provision for loan and lease losses	$240,000	1,865
Total noninterest income	$374,000	4,179
Gross Fiduciary activities income	$3,000	1,282
Service charges on deposit accounts	$230,000	3,205
Trading account gains and fees	$0	168
Additional Noninterest Income	$141,000	4,441
Total noninterest expense	$1,720,000	4,570
Salaries and employee benefits	$952,000	4,569
Premises and equipment expense	$232,000	4,593
Additional noninterest expense	$536,000	4,359
Pre-tax net operating income	$1,376,000	2,834
Securities gains (losses)	$0	1,444
Applicable income taxes	$22,000	5,294
Income before extraordinary items	$1,354,000	2,393
Extraordinary gains, net	$0	29
Net income	$1,354,000	2,393
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$262,000	1,117
Cash dividends	$980,000	1,579
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,354,000	2,375
2007-03-31 (YTD Data)		Rank
Total interest income	$2,579,000	3,693
Total interest expense	$1,108,000	3,742
Net interest income	$1,471,000	3,589
Provision for loan and lease losses	$120,000	1,752
Total noninterest income	$190,000	4,136
Gross Fiduciary activities income	$4,000	1,141
Service charges on deposit accounts	$115,000	3,173
Trading account gains and fees	$0	195
Additional Noninterest Income	$71,000	4,430
Total noninterest expense	$849,000	4,617
Salaries and employee benefits	$473,000	4,615
Premises and equipment expense	$108,000	4,816
Additional noninterest expense	$268,000	4,309
Pre-tax net operating income	$692,000	2,823
Securities gains (losses)	$0	1,187
Applicable income taxes	$11,000	5,272
Income before extraordinary items	$681,000	2,387
Extraordinary gains, net	$0	22
Net income	$681,000	2,386
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	2,505
Cash dividends	$490,000	1,457
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$681,000	2,373
2006-12-31 (YTD Data)		Rank
Total interest income	$9,604,000	3,689
Total interest expense	$4,001,000	3,599
Net interest income	$5,603,000	3,703
Provision for loan and lease losses	$420,000	2,183
Total noninterest income	$781,000	4,117
Gross Fiduciary activities income	$2,000	1,427
Service charges on deposit accounts	$445,000	3,317
Trading account gains and fees	$0	130
Additional Noninterest Income	$334,000	4,091
Total noninterest expense	$3,460,000	4,439
Salaries and employee benefits	$1,903,000	4,437
Premises and equipment expense	$462,000	4,482
Additional noninterest expense	$1,095,000	4,228
Pre-tax net operating income	$2,504,000	3,125
Securities gains (losses)	$-9,000	7,249
Applicable income taxes	$43,000	5,544
Income before extraordinary items	$2,452,000	2,656
Extraordinary gains, net	$0	51
Net income	$2,452,000	2,658
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$530,000	1,124
Cash dividends	$1,876,000	1,634
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,460,820	2,639
2006-09-30 (YTD Data)		Rank
Total interest income	$7,071,000	3,723
Total interest expense	$2,895,000	3,600
Net interest income	$4,176,000	3,743
Provision for loan and lease losses	$300,000	2,139
Total noninterest income	$601,000	4,052
Gross Fiduciary activities income	$2,000	1,362
Service charges on deposit accounts	$330,000	3,358
Trading account gains and fees	$0	126
Additional Noninterest Income	$269,000	3,958
Total noninterest expense	$2,605,000	4,411
Salaries and employee benefits	$1,408,000	4,459
Premises and equipment expense	$381,000	4,223
Additional noninterest expense	$816,000	4,204
Pre-tax net operating income	$1,872,000	3,255
Securities gains (losses)	$-9,000	7,556
Applicable income taxes	$33,000	5,694
Income before extraordinary items	$1,830,000	2,760
Extraordinary gains, net	$0	45
Net income	$1,830,000	2,762
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$472,000	845
Cash dividends	$1,407,000	1,521
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,838,820	2,734
2006-06-30 (YTD Data)		Rank
Total interest income	$4,563,000	3,765
Total interest expense	$1,802,000	3,650
Net interest income	$2,761,000	3,771
Provision for loan and lease losses	$180,000	2,262
Total noninterest income	$415,000	3,973
Gross Fiduciary activities income	$2,000	1,334
Service charges on deposit accounts	$217,000	3,369
Trading account gains and fees	$0	126
Additional Noninterest Income	$196,000	3,782
Total noninterest expense	$1,752,000	4,391
Salaries and employee benefits	$953,000	4,421
Premises and equipment expense	$255,000	4,223
Additional noninterest expense	$544,000	4,219
Pre-tax net operating income	$1,244,000	3,286
Securities gains (losses)	$-9,000	7,829
Applicable income taxes	$22,000	5,757
Income before extraordinary items	$1,213,000	2,776
Extraordinary gains, net	$0	39
Net income	$1,213,000	2,778
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$483,000	588
Cash dividends	$938,000	1,529
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,221,820	2,752
2006-03-31 (YTD Data)		Rank
Total interest income	$2,212,000	3,789
Total interest expense	$861,000	3,650
Net interest income	$1,351,000	3,838
Provision for loan and lease losses	$90,000	2,132
Total noninterest income	$194,000	4,062
Gross Fiduciary activities income	$2,000	1,247
Service charges on deposit accounts	$93,000	3,634
Trading account gains and fees	$0	115
Additional Noninterest Income	$99,000	3,720
Total noninterest expense	$886,000	4,374
Salaries and employee benefits	$479,000	4,416
Premises and equipment expense	$120,000	4,409
Additional noninterest expense	$287,000	4,039
Pre-tax net operating income	$569,000	3,449
Securities gains (losses)	$-11,000	8,254
Applicable income taxes	$11,000	5,709
Income before extraordinary items	$547,000	2,939
Extraordinary gains, net	$0	21
Net income	$547,000	2,938
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	952
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$557,780	2,888
2005-12-31 (YTD Data)		Rank
Total interest income	$7,828,000	3,817
Total interest expense	$2,563,000	3,745
Net interest income	$5,265,000	3,813
Provision for loan and lease losses	$270,000	3,029
Total noninterest income	$710,000	4,336
Gross Fiduciary activities income	$3,000	1,412
Service charges on deposit accounts	$447,000	3,296
Trading account gains and fees	$0	138
Additional Noninterest Income	$260,000	4,647
Total noninterest expense	$3,350,000	4,444
Salaries and employee benefits	$1,746,000	4,573
Premises and equipment expense	$430,000	4,638
Additional noninterest expense	$1,174,000	3,921
Pre-tax net operating income	$2,355,000	3,280
Securities gains (losses)	$35,000	1,043
Applicable income taxes	$44,000	5,950
Income before extraordinary items	$2,346,000	2,726
Extraordinary gains, net	$0	46
Net income	$2,346,000	2,726
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	3,989
Cash dividends	$1,350,000	1,972
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,311,700	2,718
2005-09-30 (YTD Data)		Rank
Total interest income	$5,712,000	3,849
Total interest expense	$1,824,000	3,755
Net interest income	$3,888,000	3,847
Provision for loan and lease losses	$180,000	3,127
Total noninterest income	$533,000	4,363
Gross Fiduciary activities income	$3,000	1,346
Service charges on deposit accounts	$332,000	3,326
Trading account gains and fees	$0	126
Additional Noninterest Income	$198,000	4,627
Total noninterest expense	$2,427,000	4,519
Salaries and employee benefits	$1,244,000	4,709
Premises and equipment expense	$311,000	4,718
Additional noninterest expense	$872,000	3,920
Pre-tax net operating income	$1,814,000	3,283
Securities gains (losses)	$35,000	1,002
Applicable income taxes	$30,000	6,080
Income before extraordinary items	$1,819,000	2,675
Extraordinary gains, net	$0	35
Net income	$1,819,000	2,676
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	4,785
Cash dividends	$1,200,000	1,558
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,784,700	2,682
2005-06-30 (YTD Data)		Rank
Total interest income	$3,719,000	3,845
Total interest expense	$1,161,000	3,713
Net interest income	$2,558,000	3,854
Provision for loan and lease losses	$120,000	3,004
Total noninterest income	$353,000	4,344
Gross Fiduciary activities income	$3,000	1,310
Service charges on deposit accounts	$215,000	3,337
Trading account gains and fees	$0	116
Additional Noninterest Income	$135,000	4,544
Total noninterest expense	$1,619,000	4,500
Salaries and employee benefits	$825,000	4,713
Premises and equipment expense	$189,000	5,007
Additional noninterest expense	$605,000	3,774
Pre-tax net operating income	$1,172,000	3,305
Securities gains (losses)	$31,000	949
Applicable income taxes	$20,000	6,094
Income before extraordinary items	$1,183,000	2,676
Extraordinary gains, net	$0	30
Net income	$1,183,000	2,677
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,238
Cash dividends	$1,050,000	1,232
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,152,620	2,705
2005-03-31 (YTD Data)		Rank
Total interest income	$1,836,000	3,844
Total interest expense	$560,000	3,705
Net interest income	$1,276,000	3,855
Provision for loan and lease losses	$60,000	2,830
Total noninterest income	$164,000	4,480
Gross Fiduciary activities income	$3,000	1,221
Service charges on deposit accounts	$97,000	3,512
Trading account gains and fees	$0	115
Additional Noninterest Income	$64,000	4,644
Total noninterest expense	$839,000	4,402
Salaries and employee benefits	$415,000	4,699
Premises and equipment expense	$109,000	4,578
Additional noninterest expense	$315,000	3,652
Pre-tax net operating income	$541,000	3,468
Securities gains (losses)	$15,000	882
Applicable income taxes	$10,000	6,081
Income before extraordinary items	$546,000	2,827
Extraordinary gains, net	$0	24
Net income	$546,000	2,828
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	8,391
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$531,300	2,857
2004-12-31 (YTD Data)		Rank
Total interest income	$5,745,000	4,398
Total interest expense	$1,680,000	4,178
Net interest income	$4,065,000	4,429
Provision for loan and lease losses	$380,000	2,457
Total noninterest income	$587,000	4,861
Gross Fiduciary activities income	$2,000	1,487
Service charges on deposit accounts	$311,000	4,239
Trading account gains and fees	$0	138
Additional Noninterest Income	$274,000	4,443
Total noninterest expense	$2,608,000	5,149
Salaries and employee benefits	$1,405,000	5,158
Premises and equipment expense	$384,000	4,897
Additional noninterest expense	$819,000	5,009
Pre-tax net operating income	$1,664,000	3,985
Securities gains (losses)	$41,000	1,887
Applicable income taxes	$41,000	6,156
Income before extraordinary items	$1,664,000	3,370
Extraordinary gains, net	$0	34
Net income	$1,664,000	3,369
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$135,000	3,194
Cash dividends	$700,000	2,948
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,623,820	3,362
2004-09-30 (YTD Data)		Rank
Total interest income	$4,196,000	4,463
Total interest expense	$1,193,000	4,305
Net interest income	$3,003,000	4,465
Provision for loan and lease losses	$115,000	4,038
Total noninterest income	$385,000	5,229
Gross Fiduciary activities income	$2,000	1,430
Service charges on deposit accounts	$228,000	4,313
Trading account gains and fees	$0	134
Additional Noninterest Income	$155,000	5,055
Total noninterest expense	$1,903,000	5,210
Salaries and employee benefits	$1,008,000	5,294
Premises and equipment expense	$324,000	4,524
Additional noninterest expense	$571,000	5,210
Pre-tax net operating income	$1,376,000	3,800
Securities gains (losses)	$41,000	1,811
Applicable income taxes	$28,000	6,342
Income before extraordinary items	$1,389,000	3,162
Extraordinary gains, net	$0	26
Net income	$1,389,000	3,163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$72,000	3,278
Cash dividends	$700,000	2,194
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,348,820	3,161
2004-06-30 (YTD Data)		Rank
Total interest income	$2,684,000	4,591
Total interest expense	$796,000	4,304
Net interest income	$1,888,000	4,664
Provision for loan and lease losses	$30,000	5,293
Total noninterest income	$300,000	4,828
Gross Fiduciary activities income	$2,000	1,383
Service charges on deposit accounts	$143,000	4,443
Trading account gains and fees	$0	130
Additional Noninterest Income	$155,000	4,248
Total noninterest expense	$1,305,000	5,130
Salaries and employee benefits	$702,000	5,158
Premises and equipment expense	$215,000	4,547
Additional noninterest expense	$388,000	5,166
Pre-tax net operating income	$853,000	3,943
Securities gains (losses)	$20,000	2,036
Applicable income taxes	$19,000	6,311
Income before extraordinary items	$854,000	3,352
Extraordinary gains, net	$0	21
Net income	$854,000	3,352
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,680
Cash dividends	$700,000	1,700
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$834,400	3,328
2004-03-31 (YTD Data)		Rank
Total interest income	$1,298,000	4,722
Total interest expense	$393,000	4,394
Net interest income	$905,000	4,808
Provision for loan and lease losses	$15,000	5,048
Total noninterest income	$149,000	4,795
Gross Fiduciary activities income	$2,000	1,290
Service charges on deposit accounts	$63,000	4,680
Trading account gains and fees	$0	121
Additional Noninterest Income	$84,000	4,069
Total noninterest expense	$649,000	5,170
Salaries and employee benefits	$346,000	5,227
Premises and equipment expense	$101,000	4,760
Additional noninterest expense	$202,000	5,044
Pre-tax net operating income	$390,000	4,148
Securities gains (losses)	$2,000	2,612
Applicable income taxes	$9,000	6,307
Income before extraordinary items	$383,000	3,624
Extraordinary gains, net	$0	16
Net income	$383,000	3,623
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,876
Cash dividends	$700,000	910
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$381,040	3,519
2003-12-31 (YTD Data)		Rank
Total interest income	$5,101,000	4,821
Total interest expense	$1,773,000	4,391
Net interest income	$3,328,000	4,963
Provision for loan and lease losses	$60,000	5,969
Total noninterest income	$528,000	5,289
Gross Fiduciary activities income	$3,000	1,497
Service charges on deposit accounts	$289,000	4,387
Trading account gains and fees	$0	160
Additional Noninterest Income	$236,000	4,958
Total noninterest expense	$2,404,000	5,358
Salaries and employee benefits	$1,274,000	5,424
Premises and equipment expense	$398,000	4,744
Additional noninterest expense	$732,000	5,351
Pre-tax net operating income	$1,392,000	4,323
Securities gains (losses)	$39,000	2,721
Applicable income taxes	$37,000	6,479
Income before extraordinary items	$1,394,000	3,738
Extraordinary gains, net	$0	54
Net income	$1,394,000	3,738
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$230,000	2,642
Cash dividends	$1,440,000	1,790
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,356,170	3,657
2003-09-30 (YTD Data)		Rank
Total interest income	$3,785,000	4,921
Total interest expense	$1,355,000	4,462
Net interest income	$2,430,000	5,066
Provision for loan and lease losses	$45,000	5,860
Total noninterest income	$399,000	5,319
Gross Fiduciary activities income	$3,000	1,448
Service charges on deposit accounts	$216,000	4,416
Trading account gains and fees	$0	153
Additional Noninterest Income	$180,000	4,992
Total noninterest expense	$1,801,000	5,327
Salaries and employee benefits	$929,000	5,492
Premises and equipment expense	$319,000	4,534
Additional noninterest expense	$553,000	5,304
Pre-tax net operating income	$983,000	4,589
Securities gains (losses)	$37,000	2,545
Applicable income taxes	$26,000	6,659
Income before extraordinary items	$994,000	3,996
Extraordinary gains, net	$0	40
Net income	$994,000	3,996
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,000	2,725
Cash dividends	$1,440,000	1,320
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$958,110	3,918
2003-06-30 (YTD Data)		Rank
Total interest income	$2,492,000	4,997
Total interest expense	$934,000	4,472
Net interest income	$1,558,000	5,219
Provision for loan and lease losses	$30,000	5,740
Total noninterest income	$249,000	5,468
Gross Fiduciary activities income	$3,000	1,400
Service charges on deposit accounts	$132,000	4,608
Trading account gains and fees	$0	150
Additional Noninterest Income	$114,000	5,091
Total noninterest expense	$1,208,000	5,309
Salaries and employee benefits	$623,000	5,494
Premises and equipment expense	$217,000	4,478
Additional noninterest expense	$368,000	5,299
Pre-tax net operating income	$569,000	4,983
Securities gains (losses)	$37,000	2,231
Applicable income taxes	$17,000	6,701
Income before extraordinary items	$589,000	4,356
Extraordinary gains, net	$0	30
Net income	$589,000	4,355
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$144,000	2,018
Cash dividends	$1,240,000	1,097
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$553,110	4,314
2003-03-31 (YTD Data)		Rank
Total interest income	$1,210,000	5,125
Total interest expense	$478,000	4,483
Net interest income	$732,000	5,398
Provision for loan and lease losses	$0	6,934
Total noninterest income	$118,000	5,493
Gross Fiduciary activities income	$3,000	1,293
Service charges on deposit accounts	$56,000	4,926
Trading account gains and fees	$0	134
Additional Noninterest Income	$59,000	4,952
Total noninterest expense	$624,000	5,209
Salaries and employee benefits	$306,000	5,554
Premises and equipment expense	$106,000	4,525
Additional noninterest expense	$212,000	4,752
Pre-tax net operating income	$226,000	5,537
Securities gains (losses)	$3,000	2,514
Applicable income taxes	$8,000	6,684
Income before extraordinary items	$221,000	5,048
Extraordinary gains, net	$0	21
Net income	$221,000	5,047
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$105,000	1,468
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$218,090	4,888
2002-12-31 (YTD Data)		Rank
Total interest income	$5,334,000	4,948
Total interest expense	$2,250,000	4,450
Net interest income	$3,084,000	5,197
Provision for loan and lease losses	$0	8,089
Total noninterest income	$399,000	5,786
Gross Fiduciary activities income	$2,000	1,605
Service charges on deposit accounts	$219,000	5,009
Trading account gains and fees	$0	153
Additional Noninterest Income	$178,000	5,245
Total noninterest expense	$1,924,000	6,007
Salaries and employee benefits	$1,030,000	6,024
Premises and equipment expense	$288,000	5,703
Additional noninterest expense	$606,000	5,889
Pre-tax net operating income	$1,559,000	4,014
Securities gains (losses)	$42,000	2,561
Applicable income taxes	$32,000	6,809
Income before extraordinary items	$1,569,000	3,382
Extraordinary gains, net	$0	70
Net income	$1,569,000	3,381
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	5,032
Cash dividends	$1,400,000	1,720
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,527,840	3,346
2001-12-31 (YTD Data)		Rank
Total interest income	$6,099,000	4,903
Total interest expense	$3,137,000	4,566
Net interest income	$2,962,000	5,129
Provision for loan and lease losses	$0	8,228
Total noninterest income	$401,000	5,676
Gross Fiduciary activities income	$2,000	1,637
Service charges on deposit accounts	$202,000	5,142
Trading account gains and fees	$0	177
Additional Noninterest Income	$197,000	4,961
Total noninterest expense	$1,673,000	6,404
Salaries and employee benefits	$906,000	6,344
Premises and equipment expense	$243,000	6,170
Additional noninterest expense	$524,000	6,289
Pre-tax net operating income	$1,690,000	3,568
Securities gains (losses)	$61,000	2,176
Applicable income taxes	$31,000	7,063
Income before extraordinary items	$1,720,000	2,902
Extraordinary gains, net	$0	105
Net income	$1,720,000	2,905
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-68,000	9,457
Cash dividends	$1,310,000	1,844
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,660,220	2,883
2000-12-31 (YTD Data)		Rank
Total interest income	$6,142,000	4,995
Total interest expense	$3,106,000	4,789
Net interest income	$3,036,000	5,115
Provision for loan and lease losses	$66,000	6,080
Total noninterest income	$267,000	6,605
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$124,000	6,161
Trading account gains and fees	NA	NA
Additional Noninterest Income	$143,000	5,596
Total noninterest expense	$1,528,000	6,686
Salaries and employee benefits	$846,000	6,520
Premises and equipment expense	$245,000	6,127
Additional noninterest expense	$437,000	6,868
Pre-tax net operating income	$1,709,000	3,694
Securities gains (losses)	$-46,000	9,165
Applicable income taxes	$36,000	7,478
Income before extraordinary items	$1,627,000	3,037
Extraordinary gains, net	$0	38
Net income	$1,627,000	3,034
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-109,000	9,761
Cash dividends	$695,000	2,946
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,672,080	2,962
1999-12-31 (YTD Data)		Rank
Total interest income	$5,575,000	5,189
Total interest expense	$2,744,000	4,924
Net interest income	$2,831,000	5,385
Provision for loan and lease losses	$390,000	2,152
Total noninterest income	$263,000	6,809
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$127,000	6,222
Trading account gains and fees	NA	NA
Additional Noninterest Income	$136,000	5,845
Total noninterest expense	$1,521,000	6,722
Salaries and employee benefits	$763,000	6,929
Premises and equipment expense	$246,000	6,090
Additional noninterest expense	$512,000	6,428
Pre-tax net operating income	$1,183,000	4,802
Securities gains (losses)	$7,000	1,949
Applicable income taxes	$250,000	5,204
Income before extraordinary items	$940,000	4,614
Extraordinary gains, net	$0	35
Net income	$940,000	4,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$546,000	1,139
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$934,470	4,605
1998-12-31 (YTD Data)		Rank
Total interest income	$5,621,000	5,222
Total interest expense	$3,033,000	4,682
Net interest income	$2,588,000	5,705
Provision for loan and lease losses	$325,000	2,434
Total noninterest income	$258,000	6,914
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$122,000	6,427
Trading account gains and fees	NA	NA
Additional Noninterest Income	$136,000	5,926
Total noninterest expense	$1,337,000	7,136
Salaries and employee benefits	$738,000	6,988
Premises and equipment expense	$210,000	6,565
Additional noninterest expense	$389,000	7,310
Pre-tax net operating income	$1,184,000	4,927
Securities gains (losses)	$15,000	2,661
Applicable income taxes	$296,000	5,211
Income before extraordinary items	$903,000	4,813
Extraordinary gains, net	$0	32
Net income	$903,000	4,812
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$251,000	2,100
Cash dividends	$1,100,000	2,078
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$891,750	4,762
1997-12-31 (YTD Data)		Rank
Total interest income	$5,523,000	5,390
Total interest expense	$2,833,000	4,948
Net interest income	$2,690,000	5,776
Provision for loan and lease losses	$0	8,829
Total noninterest income	$168,000	8,315
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$120,000	6,759
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	8,525
Total noninterest expense	$1,282,000	7,402
Salaries and employee benefits	$747,000	7,040
Premises and equipment expense	$177,000	7,240
Additional noninterest expense	$358,000	7,723
Pre-tax net operating income	$1,576,000	4,290
Securities gains (losses)	$15,000	2,081
Applicable income taxes	$458,000	4,473
Income before extraordinary items	$1,133,000	4,255
Extraordinary gains, net	$0	44
Net income	$1,133,000	4,256
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-59,000	10,586
Cash dividends	$750,000	2,657
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,122,350	4,230
1996-12-31 (YTD Data)		Rank
Total interest income	$5,096,000	5,854
Total interest expense	$2,564,000	5,411
Net interest income	$2,532,000	6,142
Provision for loan and lease losses	$50,000	6,559
Total noninterest income	$158,000	8,897
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$116,000	7,151
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	9,253
Total noninterest expense	$1,201,000	7,983
Salaries and employee benefits	$694,000	7,573
Premises and equipment expense	$169,000	7,642
Additional noninterest expense	$338,000	8,480
Pre-tax net operating income	$1,439,000	4,494
Securities gains (losses)	$6,000	2,865
Applicable income taxes	$422,000	4,719
Income before extraordinary items	$1,023,000	4,405
Extraordinary gains, net	$0	53
Net income	$1,023,000	4,406
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	4,017
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,018,740	4,362
1995-12-31 (YTD Data)		Rank
Total interest income	$4,695,000	6,243
Total interest expense	$2,340,000	5,821
Net interest income	$2,355,000	6,566
Provision for loan and lease losses	$0	8,958
Total noninterest income	$120,000	9,859
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$96,000	7,891
Trading account gains and fees	NA	NA
Additional Noninterest Income	$24,000	10,650
Total noninterest expense	$1,200,000	8,210
Salaries and employee benefits	$649,000	8,073
Premises and equipment expense	$193,000	7,333
Additional noninterest expense	$358,000	8,613
Pre-tax net operating income	$1,275,000	5,037
Securities gains (losses)	$5,000	2,809
Applicable income taxes	$381,000	5,120
Income before extraordinary items	$899,000	5,003
Extraordinary gains, net	$0	65
Net income	$899,000	5,002
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-127,000	11,780
Cash dividends	$320,000	4,365
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$895,500	4,999
1994-12-31 (YTD Data)		Rank
Total interest income	$4,268,000	6,393
Total interest expense	$1,944,000	5,734
Net interest income	$2,324,000	6,811
Provision for loan and lease losses	$0	9,146
Total noninterest income	$84,000	11,144
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$55,000	9,512
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	10,859
Total noninterest expense	$1,298,000	8,251
Salaries and employee benefits	$631,000	8,395
Premises and equipment expense	$216,000	7,121
Additional noninterest expense	$451,000	8,304
Pre-tax net operating income	$1,110,000	5,540
Securities gains (losses)	$6,000	2,522
Applicable income taxes	$319,000	5,646
Income before extraordinary items	$797,000	5,384
Extraordinary gains, net	$0	249
Net income	$797,000	5,400
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-25,000	11,414
Cash dividends	$600,000	2,782
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$792,740	5,464
1993-12-31 (YTD Data)		Rank
Total interest income	$4,202,000	6,635
Total interest expense	$1,916,000	6,054
Net interest income	$2,286,000	6,956
Provision for loan and lease losses	$0	10,371
Total noninterest income	$86,000	11,666
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$60,000	9,682
Trading account gains and fees	NA	NA
Additional Noninterest Income	$26,000	11,580
Total noninterest expense	$1,216,000	8,833
Salaries and employee benefits	$649,000	8,397
Premises and equipment expense	$144,000	9,078
Additional noninterest expense	$423,000	8,995
Pre-tax net operating income	$1,156,000	5,316
Securities gains (losses)	$48,000	3,456
Applicable income taxes	$357,000	5,418
Income before extraordinary items	$847,000	5,325
Extraordinary gains, net	$0	3,149
Net income	$847,000	5,466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-31,000	12,387
Cash dividends	$1,040,000	1,693
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$813,400	5,254
1992-12-31 (YTD Data)		Rank
Total interest income	$4,250,000	7,182
Total interest expense	$2,113,000	6,835
Net interest income	$2,137,000	7,399
Provision for loan and lease losses	$0	11,756
Total noninterest income	$104,000	11,616
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$79,000	9,202
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	12,163
Total noninterest expense	$1,272,000	8,757
Salaries and employee benefits	$663,000	8,279
Premises and equipment expense	$139,000	9,430
Additional noninterest expense	$470,000	8,755
Pre-tax net operating income	$969,000	5,757
Securities gains (losses)	$-7,000	13,179
Applicable income taxes	$283,000	6,176
Income before extraordinary items	$679,000	6,043
Extraordinary gains, net	$0	1,422
Net income	$679,000	6,116
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	12,482
Cash dividends	$277,000	4,228
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$683,970	5,679

* 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.