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Caldwell Bank & Trust Company, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$13,585,000	2,429
Total interest expense	$4,639,000	2,111
Net interest income	$8,946,000	2,531
Provision for loan and lease losses	$100,000	2,434
Total noninterest income	$2,065,000	1,968
Gross Fiduciary activities income	$1,000	939
Service charges on deposit accounts	$802,000	1,184
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,262,000	2,047
Total noninterest expense	$8,463,000	2,247
Salaries and employee benefits	$4,172,000	2,456
Premises and equipment expense	$694,000	2,507
Additional noninterest expense	$1,262,000	2,047
Pre-tax net operating income	$2,448,000	2,725
Securities gains (losses)	$0	988
Applicable income taxes	$0	3,369
Income before extraordinary items	$2,448,000	2,560
Extraordinary gains, net	$0	54
Net income	$2,448,000	2,586
Minority interest net income	$0	88
Net income of bank and minority interests.	$2,448,000	2,562
Net charge-offs	$134,000	1,344
Cash dividends	$525,000	2,704
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$2,448,000	2,583
2023-09-30 (YTD Data)		Rank
Total interest income	$9,949,000	2,431
Total interest expense	$3,209,000	2,091
Net interest income	$6,740,000	2,540
Provision for loan and lease losses	$100,000	2,122
Total noninterest income	$1,155,000	2,270
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$609,000	1,169
Trading account gains and fees	NA	NA
Additional Noninterest Income	$546,000	2,601
Total noninterest expense	$6,134,000	2,289
Salaries and employee benefits	$3,078,000	2,471
Premises and equipment expense	$490,000	2,585
Additional noninterest expense	$546,000	2,600
Pre-tax net operating income	$1,661,000	2,913
Securities gains (losses)	$0	849
Applicable income taxes	$0	3,407
Income before extraordinary items	$1,661,000	2,727
Extraordinary gains, net	$0	52
Net income	$1,661,000	2,757
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,661,000	2,728
Net charge-offs	$34,000	1,648
Cash dividends	$225,000	2,686
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$1,661,000	2,756
2023-03-31 (YTD Data)		Rank
Total interest income	$3,041,000	2,512
Total interest expense	$593,000	2,434
Net interest income	$2,448,000	2,468
Provision for loan and lease losses	$70,000	1,505
Total noninterest income	$392,000	2,201
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$198,000	1,192
Trading account gains and fees	NA	NA
Additional Noninterest Income	$194,000	2,474
Total noninterest expense	$2,061,000	2,301
Salaries and employee benefits	$950,000	2,633
Premises and equipment expense	$166,000	2,591
Additional noninterest expense	$194,000	2,474
Pre-tax net operating income	$709,000	2,692
Securities gains (losses)	$0	950
Applicable income taxes	$0	3,388
Income before extraordinary items	$709,000	2,519
Extraordinary gains, net	$0	4
Net income	$709,000	2,520
Minority interest net income	$0	48
Net income of bank and minority interests.	$709,000	2,519
Net charge-offs	$16,000	1,193
Cash dividends	$75,000	2,148
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$709,000	2,542
2022-12-31 (YTD Data)		Rank
Total interest income	$10,758,000	2,423
Total interest expense	$1,450,000	1,948
Net interest income	$9,308,000	2,462
Provision for loan and lease losses	$179,000	1,877
Total noninterest income	$1,924,000	2,085
Gross Fiduciary activities income	$1,000	979
Service charges on deposit accounts	$779,000	1,237
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,144,000	2,192
Total noninterest expense	$7,972,000	2,304
Salaries and employee benefits	$3,874,000	2,556
Premises and equipment expense	$596,000	2,723
Additional noninterest expense	$1,144,000	2,192
Pre-tax net operating income	$3,081,000	2,622
Securities gains (losses)	$16,000	372
Applicable income taxes	$0	3,596
Income before extraordinary items	$3,097,000	2,416
Extraordinary gains, net	$0	5
Net income	$3,097,000	2,414
Minority interest net income	$0	63
Net income of bank and minority interests.	$3,097,000	2,415
Net charge-offs	$50,000	1,537
Cash dividends	$2,105,000	1,438
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$3,081,000	2,450
2022-09-30 (YTD Data)		Rank
Total interest income	$7,646,000	2,450
Total interest expense	$986,000	1,785
Net interest income	$6,660,000	2,511
Provision for loan and lease losses	$158,000	1,614
Total noninterest income	$1,421,000	2,129
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$593,000	1,227
Trading account gains and fees	NA	NA
Additional Noninterest Income	$828,000	2,266
Total noninterest expense	$5,742,000	2,360
Salaries and employee benefits	$2,826,000	2,595
Premises and equipment expense	$430,000	2,792
Additional noninterest expense	$828,000	2,266
Pre-tax net operating income	$2,181,000	2,681
Securities gains (losses)	$16,000	367
Applicable income taxes	$0	3,603
Income before extraordinary items	$2,197,000	2,468
Extraordinary gains, net	$0	4
Net income	$2,197,000	2,467
Minority interest net income	$0	57
Net income of bank and minority interests.	$2,197,000	2,467
Net charge-offs	$41,000	1,313
Cash dividends	$255,000	2,603
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$2,181,000	2,512
2022-06-30 (YTD Data)		Rank
Total interest income	$4,869,000	2,473
Total interest expense	$591,000	1,759
Net interest income	$4,278,000	2,533
Provision for loan and lease losses	$105,000	1,500
Total noninterest income	$1,057,000	2,002
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$394,000	1,207
Trading account gains and fees	NA	NA
Additional Noninterest Income	$663,000	2,102
Total noninterest expense	$3,699,000	2,404
Salaries and employee benefits	$1,788,000	2,675
Premises and equipment expense	$0	4,751
Additional noninterest expense	$1,911,000	1,659
Pre-tax net operating income	$1,531,000	2,542
Securities gains (losses)	$16,000	335
Applicable income taxes	$0	3,564
Income before extraordinary items	$1,547,000	2,303
Extraordinary gains, net	$0	4
Net income	$1,547,000	2,303
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,547,000	2,303
Net charge-offs	$-3,000	3,282
Cash dividends	$162,000	2,555
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,531,000	2,352
2022-03-31 (YTD Data)		Rank
Total interest income	$2,363,000	2,469
Total interest expense	$290,000	1,723
Net interest income	$2,073,000	2,545
Provision for loan and lease losses	$40,000	1,467
Total noninterest income	$561,000	1,939
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$193,000	1,213
Trading account gains and fees	NA	NA
Additional Noninterest Income	$368,000	1,986
Total noninterest expense	$1,800,000	2,449
Salaries and employee benefits	$861,000	2,722
Premises and equipment expense	$150,000	2,747
Additional noninterest expense	$789,000	1,894
Pre-tax net operating income	$794,000	2,393
Securities gains (losses)	$16,000	321
Applicable income taxes	$0	3,450
Income before extraordinary items	$810,000	2,175
Extraordinary gains, net	$0	4
Net income	$810,000	2,175
Minority interest net income	$0	50
Net income of bank and minority interests.	$810,000	2,175
Net charge-offs	$-10,000	3,922
Cash dividends	$78,000	2,064
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$794,000	2,224
2021-12-31 (YTD Data)		Rank
Total interest income	$9,867,000	2,485
Total interest expense	$1,409,000	1,750
Net interest income	$8,458,000	2,569
Provision for loan and lease losses	$677,000	811
Total noninterest income	$2,752,000	1,889
Gross Fiduciary activities income	$1,000	958
Service charges on deposit accounts	$667,000	1,298
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,084,000	1,860
Total noninterest expense	$7,025,000	2,483
Salaries and employee benefits	$3,366,000	2,772
Premises and equipment expense	$570,000	2,817
Additional noninterest expense	$3,089,000	1,934
Pre-tax net operating income	$3,508,000	2,498
Securities gains (losses)	$72,000	989
Applicable income taxes	$0	3,710
Income before extraordinary items	$3,580,000	2,311
Extraordinary gains, net	$0	10
Net income	$3,580,000	2,312
Minority interest net income	$0	74
Net income of bank and minority interests.	$3,580,000	2,312
Net charge-offs	$69,000	1,511
Cash dividends	$3,509,000	1,043
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$3,508,000	2,319
2021-09-30 (YTD Data)		Rank
Total interest income	$7,644,000	2,491
Total interest expense	$1,098,000	1,783
Net interest income	$6,546,000	2,560
Provision for loan and lease losses	$664,000	645
Total noninterest income	$2,404,000	1,784
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$467,000	1,363
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,937,000	1,705
Total noninterest expense	$4,961,000	2,589
Salaries and employee benefits	$2,392,000	2,854
Premises and equipment expense	$413,000	2,900
Additional noninterest expense	$2,156,000	2,052
Pre-tax net operating income	$3,325,000	2,293
Securities gains (losses)	$72,000	924
Applicable income taxes	$0	3,719
Income before extraordinary items	$3,397,000	2,088
Extraordinary gains, net	$0	8
Net income	$3,397,000	2,089
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,397,000	2,089
Net charge-offs	$78,000	1,175
Cash dividends	$565,000	2,218
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$3,325,000	2,087
2021-06-30 (YTD Data)		Rank
Total interest income	$4,876,000	2,550
Total interest expense	$769,000	1,778
Net interest income	$4,107,000	2,648
Provision for loan and lease losses	$269,000	984
Total noninterest income	$386,000	3,281
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$296,000	1,369
Trading account gains and fees	NA	NA
Additional Noninterest Income	$90,000	4,112
Total noninterest expense	$3,018,000	2,718
Salaries and employee benefits	$1,503,000	2,939
Premises and equipment expense	$254,000	3,023
Additional noninterest expense	$1,261,000	2,223
Pre-tax net operating income	$1,206,000	3,045
Securities gains (losses)	$72,000	772
Applicable income taxes	$0	3,702
Income before extraordinary items	$1,278,000	2,847
Extraordinary gains, net	$0	6
Net income	$1,278,000	2,846
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,278,000	2,847
Net charge-offs	$-8,000	3,728
Cash dividends	$490,000	1,991
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,206,000	2,900
2021-03-31 (YTD Data)		Rank
Total interest income	$2,305,000	2,632
Total interest expense	$405,000	1,780
Net interest income	$1,900,000	2,746
Provision for loan and lease losses	$116,000	1,175
Total noninterest income	$255,000	2,956
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$150,000	1,350
Trading account gains and fees	NA	NA
Additional Noninterest Income	$105,000	3,465
Total noninterest expense	$1,450,000	2,783
Salaries and employee benefits	$738,000	2,958
Premises and equipment expense	$106,000	3,312
Additional noninterest expense	$606,000	2,239
Pre-tax net operating income	$589,000	3,061
Securities gains (losses)	$72,000	563
Applicable income taxes	$0	3,613
Income before extraordinary items	$661,000	2,776
Extraordinary gains, net	$0	3
Net income	$661,000	2,775
Minority interest net income	$0	55
Net income of bank and minority interests.	$661,000	2,776
Net charge-offs	$-8,000	3,977
Cash dividends	$325,000	1,507
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$589,000	2,891
2020-12-31 (YTD Data)		Rank
Total interest income	$9,419,000	2,604
Total interest expense	$1,979,000	1,993
Net interest income	$7,440,000	2,728
Provision for loan and lease losses	$805,000	1,816
Total noninterest income	$1,188,000	2,688
Gross Fiduciary activities income	$1,000	991
Service charges on deposit accounts	$649,000	1,318
Trading account gains and fees	NA	NA
Additional Noninterest Income	$538,000	3,081
Total noninterest expense	$6,369,000	2,609
Salaries and employee benefits	$3,177,000	2,848
Premises and equipment expense	$517,000	2,997
Additional noninterest expense	$2,675,000	2,109
Pre-tax net operating income	$1,454,000	3,311
Securities gains (losses)	$215,000	999
Applicable income taxes	$0	3,697
Income before extraordinary items	$1,669,000	3,066
Extraordinary gains, net	$0	4
Net income	$1,669,000	3,065
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,669,000	3,066
Net charge-offs	$491,000	981
Cash dividends	$1,426,000	1,831
Sale, conversion, retirement of capital stock, net	$107,000	437
Net operating income	$1,454,000	3,157
2020-09-30 (YTD Data)		Rank
Total interest income	$7,017,000	2,635
Total interest expense	$1,509,000	2,054
Net interest income	$5,508,000	2,746
Provision for loan and lease losses	$665,000	1,705
Total noninterest income	$929,000	2,616
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$477,000	1,330
Trading account gains and fees	NA	NA
Additional Noninterest Income	$452,000	2,926
Total noninterest expense	$4,541,000	2,674
Salaries and employee benefits	$2,376,000	2,838
Premises and equipment expense	$373,000	3,078
Additional noninterest expense	$1,792,000	2,234
Pre-tax net operating income	$1,231,000	3,205
Securities gains (losses)	$0	2,494
Applicable income taxes	$0	3,696
Income before extraordinary items	$1,231,000	3,094
Extraordinary gains, net	$0	4
Net income	$1,231,000	3,093
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,231,000	3,094
Net charge-offs	$512,000	748
Cash dividends	$271,000	2,788
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,231,000	3,040
2020-06-30 (YTD Data)		Rank
Total interest income	$4,538,000	2,720
Total interest expense	$1,025,000	2,112
Net interest income	$3,513,000	2,836
Provision for loan and lease losses	$443,000	1,717
Total noninterest income	$569,000	2,667
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$320,000	1,334
Trading account gains and fees	NA	NA
Additional Noninterest Income	$249,000	3,090
Total noninterest expense	$2,949,000	2,722
Salaries and employee benefits	$1,550,000	2,885
Premises and equipment expense	$249,000	3,066
Additional noninterest expense	$1,150,000	2,280
Pre-tax net operating income	$690,000	3,398
Securities gains (losses)	$27,000	1,568
Applicable income taxes	$0	3,655
Income before extraordinary items	$717,000	3,248
Extraordinary gains, net	$0	4
Net income	$717,000	3,247
Minority interest net income	$0	65
Net income of bank and minority interests.	$717,000	3,248
Net charge-offs	$218,000	964
Cash dividends	$196,000	2,693
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$690,000	3,237
2020-03-31 (YTD Data)		Rank
Total interest income	$2,288,000	2,709
Total interest expense	$525,000	2,214
Net interest income	$1,763,000	2,797
Provision for loan and lease losses	$168,000	1,571
Total noninterest income	$284,000	2,592
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$183,000	1,393
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	3,167
Total noninterest expense	$1,516,000	2,707
Salaries and employee benefits	$808,000	2,824
Premises and equipment expense	$120,000	3,154
Additional noninterest expense	$588,000	2,279
Pre-tax net operating income	$363,000	3,175
Securities gains (losses)	$0	1,705
Applicable income taxes	$0	3,513
Income before extraordinary items	$363,000	3,056
Extraordinary gains, net	$0	4
Net income	$363,000	3,056
Minority interest net income	$0	56
Net income of bank and minority interests.	$363,000	3,057
Net charge-offs	$108,000	843
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$363,000	3,028
2019-12-31 (YTD Data)		Rank
Total interest income	$8,982,000	2,768
Total interest expense	$1,979,000	2,356
Net interest income	$7,003,000	2,839
Provision for loan and lease losses	$729,000	1,161
Total noninterest income	$1,141,000	2,652
Gross Fiduciary activities income	$1,000	1,009
Service charges on deposit accounts	$704,000	1,488
Trading account gains and fees	NA	NA
Additional Noninterest Income	$436,000	3,171
Total noninterest expense	$6,211,000	2,641
Salaries and employee benefits	$3,027,000	2,926
Premises and equipment expense	$490,000	3,138
Additional noninterest expense	$2,694,000	2,094
Pre-tax net operating income	$1,204,000	3,669
Securities gains (losses)	$38,000	1,350
Applicable income taxes	$0	3,859
Income before extraordinary items	$1,242,000	3,513
Extraordinary gains, net	$0	11
Net income	$1,242,000	3,514
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,242,000	3,514
Net charge-offs	$834,000	736
Cash dividends	$1,225,000	2,105
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,204,000	3,527
2019-09-30 (YTD Data)		Rank
Total interest income	$6,683,000	2,817
Total interest expense	$1,458,000	2,397
Net interest income	$5,225,000	2,884
Provision for loan and lease losses	$568,000	1,050
Total noninterest income	$810,000	2,729
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$513,000	1,534
Trading account gains and fees	NA	NA
Additional Noninterest Income	$297,000	3,302
Total noninterest expense	$4,492,000	2,714
Salaries and employee benefits	$2,273,000	2,929
Premises and equipment expense	$380,000	3,112
Additional noninterest expense	$1,839,000	2,247
Pre-tax net operating income	$975,000	3,667
Securities gains (losses)	$38,000	1,173
Applicable income taxes	$0	3,902
Income before extraordinary items	$1,013,000	3,473
Extraordinary gains, net	$0	11
Net income	$1,013,000	3,473
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,013,000	3,473
Net charge-offs	$534,000	732
Cash dividends	$225,000	3,047
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$975,000	3,508
2019-06-30 (YTD Data)		Rank
Total interest income	$4,479,000	2,806
Total interest expense	$920,000	2,460
Net interest income	$3,559,000	2,864
Provision for loan and lease losses	$354,000	1,086
Total noninterest income	$580,000	2,603
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$327,000	1,577
Trading account gains and fees	NA	NA
Additional Noninterest Income	$253,000	2,989
Total noninterest expense	$2,978,000	2,748
Salaries and employee benefits	$1,520,000	2,936
Premises and equipment expense	$263,000	3,059
Additional noninterest expense	$1,195,000	2,295
Pre-tax net operating income	$807,000	3,389
Securities gains (losses)	$0	1,702
Applicable income taxes	$0	3,901
Income before extraordinary items	$807,000	3,242
Extraordinary gains, net	$0	11
Net income	$807,000	3,239
Minority interest net income	$0	69
Net income of bank and minority interests.	$807,000	3,240
Net charge-offs	$382,000	672
Cash dividends	$150,000	2,995
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$807,000	3,212
2019-03-31 (YTD Data)		Rank
Total interest income	$2,268,000	2,799
Total interest expense	$426,000	2,544
Net interest income	$1,842,000	2,834
Provision for loan and lease losses	$172,000	1,059
Total noninterest income	$345,000	2,345
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$156,000	1,621
Trading account gains and fees	NA	NA
Additional Noninterest Income	$189,000	2,463
Total noninterest expense	$1,539,000	2,701
Salaries and employee benefits	$783,000	2,899
Premises and equipment expense	$148,000	2,869
Additional noninterest expense	$608,000	2,256
Pre-tax net operating income	$476,000	3,133
Securities gains (losses)	$0	1,087
Applicable income taxes	$0	3,800
Income before extraordinary items	$476,000	2,956
Extraordinary gains, net	$0	5
Net income	$476,000	2,954
Minority interest net income	$0	52
Net income of bank and minority interests.	$476,000	2,955
Net charge-offs	$252,000	526
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$476,000	2,946
2018-12-31 (YTD Data)		Rank
Total interest income	$8,273,000	2,876
Total interest expense	$1,614,000	2,238
Net interest income	$6,659,000	2,982
Provision for loan and lease losses	$737,000	1,111
Total noninterest income	$1,386,000	2,426
Gross Fiduciary activities income	$1,000	1,056
Service charges on deposit accounts	$734,000	1,473
Trading account gains and fees	NA	NA
Additional Noninterest Income	$651,000	2,737
Total noninterest expense	$6,167,000	2,671
Salaries and employee benefits	$3,158,000	2,862
Premises and equipment expense	$492,000	3,175
Additional noninterest expense	$2,517,000	2,212
Pre-tax net operating income	$1,141,000	3,883
Securities gains (losses)	$0	1,125
Applicable income taxes	$0	3,978
Income before extraordinary items	$1,141,000	3,728
Extraordinary gains, net	$0	6
Net income	$1,141,000	3,726
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,141,000	3,727
Net charge-offs	$1,458,000	443
Cash dividends	$975,000	2,267
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,141,000	3,733
2018-09-30 (YTD Data)		Rank
Total interest income	$6,262,000	2,855
Total interest expense	$1,169,000	2,207
Net interest income	$5,093,000	2,968
Provision for loan and lease losses	$475,000	1,170
Total noninterest income	$1,064,000	2,413
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$559,000	1,460
Trading account gains and fees	NA	NA
Additional Noninterest Income	$505,000	2,736
Total noninterest expense	$4,750,000	2,639
Salaries and employee benefits	$2,497,000	2,776
Premises and equipment expense	$357,000	3,278
Additional noninterest expense	$1,896,000	2,200
Pre-tax net operating income	$932,000	3,850
Securities gains (losses)	$0	1,118
Applicable income taxes	$0	4,032
Income before extraordinary items	$932,000	3,684
Extraordinary gains, net	$0	5
Net income	$932,000	3,683
Minority interest net income	$0	66
Net income of bank and minority interests.	$932,000	3,683
Net charge-offs	$672,000	595
Cash dividends	$225,000	3,026
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$932,000	3,688
2018-06-30 (YTD Data)		Rank
Total interest income	$4,065,000	2,898
Total interest expense	$742,000	2,197
Net interest income	$3,323,000	3,010
Provision for loan and lease losses	$274,000	1,279
Total noninterest income	$543,000	2,766
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$370,000	1,461
Trading account gains and fees	NA	NA
Additional Noninterest Income	$173,000	3,561
Total noninterest expense	$3,022,000	2,734
Salaries and employee benefits	$1,640,000	2,829
Premises and equipment expense	$228,000	3,371
Additional noninterest expense	$1,154,000	2,367
Pre-tax net operating income	$570,000	3,963
Securities gains (losses)	$0	961
Applicable income taxes	$0	4,018
Income before extraordinary items	$570,000	3,796
Extraordinary gains, net	$0	6
Net income	$570,000	3,794
Minority interest net income	$0	65
Net income of bank and minority interests.	$570,000	3,795
Net charge-offs	$347,000	671
Cash dividends	$150,000	2,970
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$570,000	3,802
2018-03-31 (YTD Data)		Rank
Total interest income	$2,057,000	2,878
Total interest expense	$370,000	2,131
Net interest income	$1,687,000	2,990
Provision for loan and lease losses	$138,000	1,230
Total noninterest income	$243,000	2,895
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$184,000	1,485
Trading account gains and fees	NA	NA
Additional Noninterest Income	$59,000	3,991
Total noninterest expense	$1,487,000	2,797
Salaries and employee benefits	$862,000	2,757
Premises and equipment expense	$110,000	3,474
Additional noninterest expense	$515,000	2,571
Pre-tax net operating income	$305,000	3,838
Securities gains (losses)	$0	735
Applicable income taxes	$0	3,948
Income before extraordinary items	$305,000	3,649
Extraordinary gains, net	$0	7
Net income	$305,000	3,649
Minority interest net income	$0	52
Net income of bank and minority interests.	$305,000	3,649
Net charge-offs	$130,000	733
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$305,000	3,653
2017-12-31 (YTD Data)		Rank
Total interest income	$8,893,000	2,666
Total interest expense	$1,666,000	1,765
Net interest income	$7,227,000	2,826
Provision for loan and lease losses	$972,000	927
Total noninterest income	$1,277,000	2,611
Gross Fiduciary activities income	$1,000	1,092
Service charges on deposit accounts	$750,000	1,494
Trading account gains and fees	NA	NA
Additional Noninterest Income	$526,000	3,084
Total noninterest expense	$6,166,000	2,715
Salaries and employee benefits	$3,026,000	2,962
Premises and equipment expense	$494,000	3,287
Additional noninterest expense	$2,646,000	2,156
Pre-tax net operating income	$1,366,000	3,666
Securities gains (losses)	$2,000	1,996
Applicable income taxes	$0	4,135
Income before extraordinary items	$1,368,000	3,283
Extraordinary gains, net	$0	9
Net income	$1,368,000	3,281
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,368,000	3,283
Net charge-offs	$1,294,000	571
Cash dividends	$1,000,000	2,186
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,366,000	3,260
2017-09-30 (YTD Data)		Rank
Total interest income	$6,777,000	2,650
Total interest expense	$1,258,000	1,749
Net interest income	$5,519,000	2,813
Provision for loan and lease losses	$775,000	856
Total noninterest income	$833,000	2,815
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$568,000	1,498
Trading account gains and fees	NA	NA
Additional Noninterest Income	$265,000	3,627
Total noninterest expense	$4,471,000	2,800
Salaries and employee benefits	$2,286,000	2,974
Premises and equipment expense	$375,000	3,310
Additional noninterest expense	$1,810,000	2,317
Pre-tax net operating income	$1,106,000	3,604
Securities gains (losses)	$2,000	2,024
Applicable income taxes	$0	4,172
Income before extraordinary items	$1,108,000	3,359
Extraordinary gains, net	$0	9
Net income	$1,108,000	3,358
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,108,000	3,359
Net charge-offs	$860,000	547
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,106,000	3,331
2017-06-30 (YTD Data)		Rank
Total interest income	$4,461,000	2,664
Total interest expense	$835,000	1,716
Net interest income	$3,626,000	2,838
Provision for loan and lease losses	$504,000	843
Total noninterest income	$582,000	2,755
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$347,000	1,578
Trading account gains and fees	NA	NA
Additional Noninterest Income	$235,000	3,264
Total noninterest expense	$2,923,000	2,860
Salaries and employee benefits	$1,464,000	3,061
Premises and equipment expense	$246,000	3,343
Additional noninterest expense	$1,213,000	2,306
Pre-tax net operating income	$781,000	3,504
Securities gains (losses)	$0	1,906
Applicable income taxes	$0	4,189
Income before extraordinary items	$781,000	3,206
Extraordinary gains, net	$0	11
Net income	$781,000	3,205
Minority interest net income	$0	71
Net income of bank and minority interests.	$781,000	3,206
Net charge-offs	$594,000	495
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$781,000	3,188
2017-03-31 (YTD Data)		Rank
Total interest income	$2,214,000	2,668
Total interest expense	$427,000	1,655
Net interest income	$1,787,000	2,866
Provision for loan and lease losses	$167,000	1,060
Total noninterest income	$266,000	2,865
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$185,000	1,498
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	3,762
Total noninterest expense	$1,553,000	2,757
Salaries and employee benefits	$815,000	2,902
Premises and equipment expense	$124,000	3,358
Additional noninterest expense	$614,000	2,272
Pre-tax net operating income	$333,000	3,690
Securities gains (losses)	$0	1,153
Applicable income taxes	$0	4,086
Income before extraordinary items	$333,000	3,458
Extraordinary gains, net	$0	8
Net income	$333,000	3,457
Minority interest net income	$0	55
Net income of bank and minority interests.	$333,000	3,458
Net charge-offs	$315,000	445
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$333,000	3,433
2016-12-31 (YTD Data)		Rank
Total interest income	$9,684,000	2,463
Total interest expense	$1,696,000	1,621
Net interest income	$7,988,000	2,628
Provision for loan and lease losses	$1,232,000	760
Total noninterest income	$1,577,000	2,417
Gross Fiduciary activities income	$1,000	1,131
Service charges on deposit accounts	$989,000	1,222
Trading account gains and fees	$0	170
Additional Noninterest Income	$587,000	3,039
Total noninterest expense	$6,153,000	2,802
Salaries and employee benefits	$3,097,000	2,968
Premises and equipment expense	$440,000	3,616
Additional noninterest expense	$2,616,000	2,219
Pre-tax net operating income	$2,180,000	2,913
Securities gains (losses)	$39,000	2,006
Applicable income taxes	$0	4,278
Income before extraordinary items	$2,219,000	2,613
Extraordinary gains, net	$0	5
Net income	$2,219,000	2,611
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,219,000	2,612
Net charge-offs	$836,000	754
Cash dividends	$1,877,000	1,504
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,180,000	2,586
2016-09-30 (YTD Data)		Rank
Total interest income	$7,414,000	2,420
Total interest expense	$1,230,000	1,672
Net interest income	$6,184,000	2,567
Provision for loan and lease losses	$1,149,000	634
Total noninterest income	$1,202,000	2,404
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$709,000	1,263
Trading account gains and fees	$0	169
Additional Noninterest Income	$493,000	2,913
Total noninterest expense	$4,507,000	2,849
Salaries and employee benefits	$2,357,000	2,940
Premises and equipment expense	$313,000	3,716
Additional noninterest expense	$1,837,000	2,350
Pre-tax net operating income	$1,730,000	2,859
Securities gains (losses)	$39,000	1,939
Applicable income taxes	$0	4,325
Income before extraordinary items	$1,769,000	2,534
Extraordinary gains, net	$0	5
Net income	$1,769,000	2,535
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,769,000	2,535
Net charge-offs	$381,000	967
Cash dividends	$128,000	3,373
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,730,000	2,516
2016-06-30 (YTD Data)		Rank
Total interest income	$4,889,000	2,449
Total interest expense	$778,000	1,749
Net interest income	$4,111,000	2,581
Provision for loan and lease losses	$1,074,000	482
Total noninterest income	$955,000	2,165
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$492,000	1,207
Trading account gains and fees	$0	157
Additional Noninterest Income	$463,000	2,474
Total noninterest expense	$2,924,000	2,913
Salaries and employee benefits	$1,520,000	3,020
Premises and equipment expense	$210,000	3,736
Additional noninterest expense	$1,194,000	2,410
Pre-tax net operating income	$1,068,000	2,967
Securities gains (losses)	$39,000	1,599
Applicable income taxes	$0	4,338
Income before extraordinary items	$1,107,000	2,632
Extraordinary gains, net	$0	16
Net income	$1,107,000	2,631
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,107,000	2,631
Net charge-offs	$259,000	953
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,068,000	2,621
2016-03-31 (YTD Data)		Rank
Total interest income	$2,373,000	2,516
Total interest expense	$365,000	1,858
Net interest income	$2,008,000	2,631
Provision for loan and lease losses	$819,000	321
Total noninterest income	$605,000	1,843
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$226,000	1,290
Trading account gains and fees	$0	142
Additional Noninterest Income	$379,000	1,812
Total noninterest expense	$1,452,000	2,940
Salaries and employee benefits	$731,000	3,120
Premises and equipment expense	$112,000	3,646
Additional noninterest expense	$609,000	2,359
Pre-tax net operating income	$342,000	3,659
Securities gains (losses)	$39,000	933
Applicable income taxes	$0	4,259
Income before extraordinary items	$381,000	3,216
Extraordinary gains, net	$0	12
Net income	$381,000	3,214
Minority interest net income	$0	62
Net income of bank and minority interests.	$381,000	3,215
Net charge-offs	$36,000	1,646
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$342,000	3,336
2015-12-31 (YTD Data)		Rank
Total interest income	$9,345,000	2,510
Total interest expense	$1,342,000	1,935
Net interest income	$8,003,000	2,596
Provision for loan and lease losses	$603,000	1,170
Total noninterest income	$1,267,000	2,716
Gross Fiduciary activities income	$1,000	1,155
Service charges on deposit accounts	$926,000	1,297
Trading account gains and fees	$0	159
Additional Noninterest Income	$340,000	3,811
Total noninterest expense	$5,994,000	2,865
Salaries and employee benefits	$3,158,000	2,940
Premises and equipment expense	$443,000	3,706
Additional noninterest expense	$2,393,000	2,428
Pre-tax net operating income	$2,673,000	2,520
Securities gains (losses)	$148,000	909
Applicable income taxes	$0	4,402
Income before extraordinary items	$2,821,000	2,150
Extraordinary gains, net	$0	23
Net income	$2,821,000	2,150
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,821,000	2,151
Net charge-offs	$200,000	1,985
Cash dividends	$858,000	2,319
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,673,000	2,180
2015-09-30 (YTD Data)		Rank
Total interest income	$6,937,000	2,549
Total interest expense	$977,000	2,004
Net interest income	$5,960,000	2,628
Provision for loan and lease losses	$516,000	1,017
Total noninterest income	$992,000	2,673
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$690,000	1,317
Trading account gains and fees	$0	153
Additional Noninterest Income	$302,000	3,591
Total noninterest expense	$4,327,000	2,959
Salaries and employee benefits	$2,296,000	3,019
Premises and equipment expense	$331,000	3,765
Additional noninterest expense	$1,700,000	2,535
Pre-tax net operating income	$2,109,000	2,469
Securities gains (losses)	$112,000	965
Applicable income taxes	$0	4,489
Income before extraordinary items	$2,221,000	2,092
Extraordinary gains, net	$0	21
Net income	$2,221,000	2,093
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,221,000	2,093
Net charge-offs	$159,000	1,733
Cash dividends	$358,000	2,643
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,109,000	2,126
2015-06-30 (YTD Data)		Rank
Total interest income	$4,511,000	2,610
Total interest expense	$628,000	2,079
Net interest income	$3,883,000	2,680
Provision for loan and lease losses	$326,000	1,039
Total noninterest income	$623,000	2,777
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$441,000	1,355
Trading account gains and fees	$0	157
Additional Noninterest Income	$182,000	3,774
Total noninterest expense	$2,884,000	2,971
Salaries and employee benefits	$1,555,000	3,008
Premises and equipment expense	$0	6,331
Additional noninterest expense	$1,329,000	2,211
Pre-tax net operating income	$1,296,000	2,595
Securities gains (losses)	$-19,000	6,175
Applicable income taxes	$0	4,497
Income before extraordinary items	$1,277,000	2,318
Extraordinary gains, net	$0	22
Net income	$1,277,000	2,320
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,277,000	2,320
Net charge-offs	$127,000	1,512
Cash dividends	$239,000	2,630
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,296,000	2,249
2015-03-31 (YTD Data)		Rank
Total interest income	$2,177,000	2,687
Total interest expense	$297,000	2,193
Net interest income	$1,880,000	2,737
Provision for loan and lease losses	$139,000	1,192
Total noninterest income	$286,000	2,853
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$206,000	1,410
Trading account gains and fees	$0	152
Additional Noninterest Income	$80,000	3,916
Total noninterest expense	$1,353,000	3,115
Salaries and employee benefits	$712,000	3,201
Premises and equipment expense	$109,000	3,860
Additional noninterest expense	$532,000	2,661
Pre-tax net operating income	$674,000	2,489
Securities gains (losses)	$0	2,027
Applicable income taxes	$0	4,400
Income before extraordinary items	$674,000	2,208
Extraordinary gains, net	$0	13
Net income	$674,000	2,209
Minority interest net income	$0	64
Net income of bank and minority interests.	$674,000	2,209
Net charge-offs	$36,000	1,790
Cash dividends	$120,000	2,210
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$674,000	2,139
2014-12-31 (YTD Data)		Rank
Total interest income	$8,175,000	2,847
Total interest expense	$1,108,000	2,411
Net interest income	$7,067,000	2,865
Provision for loan and lease losses	$357,000	1,814
Total noninterest income	$1,121,000	2,929
Gross Fiduciary activities income	$1,000	1,202
Service charges on deposit accounts	$732,000	1,696
Trading account gains and fees	$0	180
Additional Noninterest Income	$388,000	3,645
Total noninterest expense	$5,283,000	3,186
Salaries and employee benefits	$2,735,000	3,275
Premises and equipment expense	$425,000	3,954
Additional noninterest expense	$2,123,000	2,746
Pre-tax net operating income	$2,548,000	2,560
Securities gains (losses)	$130,000	1,072
Applicable income taxes	$0	4,531
Income before extraordinary items	$2,678,000	2,196
Extraordinary gains, net	$0	17
Net income	$2,678,000	2,195
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,678,000	2,195
Net charge-offs	$144,000	2,822
Cash dividends	$297,000	3,420
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,548,000	2,222
2014-09-30 (YTD Data)		Rank
Total interest income	$6,055,000	2,904
Total interest expense	$815,000	2,485
Net interest income	$5,240,000	2,922
Provision for loan and lease losses	$315,000	1,583
Total noninterest income	$826,000	2,982
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$512,000	1,796
Trading account gains and fees	$0	174
Additional Noninterest Income	$314,000	3,564
Total noninterest expense	$3,806,000	3,302
Salaries and employee benefits	$1,982,000	3,369
Premises and equipment expense	$1,522,000	1,184
Additional noninterest expense	$302,000	5,937
Pre-tax net operating income	$1,945,000	2,556
Securities gains (losses)	$130,000	840
Applicable income taxes	$0	4,583
Income before extraordinary items	$2,075,000	2,163
Extraordinary gains, net	$0	15
Net income	$2,075,000	2,163
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,075,000	2,162
Net charge-offs	$102,000	2,664
Cash dividends	$297,000	2,776
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,945,000	2,213
2014-06-30 (YTD Data)		Rank
Total interest income	$3,845,000	2,991
Total interest expense	$524,000	2,557
Net interest income	$3,321,000	3,023
Provision for loan and lease losses	$197,000	1,680
Total noninterest income	$506,000	3,096
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$295,000	1,976
Trading account gains and fees	$0	172
Additional Noninterest Income	$211,000	3,542
Total noninterest expense	$2,512,000	3,334
Salaries and employee benefits	$1,316,000	3,396
Premises and equipment expense	$217,000	4,015
Additional noninterest expense	$979,000	2,936
Pre-tax net operating income	$1,118,000	2,769
Securities gains (losses)	$130,000	652
Applicable income taxes	$0	4,568
Income before extraordinary items	$1,248,000	2,272
Extraordinary gains, net	$0	20
Net income	$1,248,000	2,275
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,248,000	2,275
Net charge-offs	$78,000	2,418
Cash dividends	$197,000	2,755
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,118,000	2,410
2014-03-31 (YTD Data)		Rank
Total interest income	$1,826,000	3,121
Total interest expense	$252,000	2,663
Net interest income	$1,574,000	3,161
Provision for loan and lease losses	$95,000	1,647
Total noninterest income	$221,000	3,289
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$121,000	2,290
Trading account gains and fees	$0	147
Additional Noninterest Income	$100,000	3,569
Total noninterest expense	$1,195,000	3,481
Salaries and employee benefits	$609,000	3,605
Premises and equipment expense	$104,000	4,128
Additional noninterest expense	$482,000	2,976
Pre-tax net operating income	$505,000	2,872
Securities gains (losses)	$0	1,715
Applicable income taxes	$0	4,445
Income before extraordinary items	$505,000	2,547
Extraordinary gains, net	$0	16
Net income	$505,000	2,550
Minority interest net income	$0	66
Net income of bank and minority interests.	$505,000	2,550
Net charge-offs	$25,000	2,339
Cash dividends	$96,000	2,289
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$505,000	2,502
2013-12-31 (YTD Data)		Rank
Total interest income	$5,862,000	3,674
Total interest expense	$927,000	3,119
Net interest income	$4,935,000	3,727
Provision for loan and lease losses	$230,000	2,811
Total noninterest income	$1,127,000	3,000
Gross Fiduciary activities income	$1,000	1,245
Service charges on deposit accounts	$475,000	2,491
Trading account gains and fees	$0	184
Additional Noninterest Income	$651,000	2,977
Total noninterest expense	$4,324,000	3,733
Salaries and employee benefits	$2,064,000	4,003
Premises and equipment expense	$349,000	4,518
Additional noninterest expense	$1,911,000	3,090
Pre-tax net operating income	$1,508,000	3,387
Securities gains (losses)	$75,000	1,524
Applicable income taxes	$0	4,631
Income before extraordinary items	$1,583,000	3,055
Extraordinary gains, net	$0	29
Net income	$1,583,000	3,057
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,583,000	3,058
Net charge-offs	$207,000	2,978
Cash dividends	$232,000	3,488
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,508,000	3,091
2013-09-30 (YTD Data)		Rank
Total interest income	$4,284,000	3,779
Total interest expense	$686,000	3,217
Net interest income	$3,598,000	3,820
Provision for loan and lease losses	$200,000	2,567
Total noninterest income	$922,000	2,929
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$352,000	2,528
Trading account gains and fees	$0	180
Additional Noninterest Income	$570,000	2,819
Total noninterest expense	$2,884,000	4,033
Salaries and employee benefits	$1,387,000	4,261
Premises and equipment expense	$256,000	4,594
Additional noninterest expense	$1,241,000	3,406
Pre-tax net operating income	$1,436,000	3,000
Securities gains (losses)	$0	3,040
Applicable income taxes	$0	4,713
Income before extraordinary items	$1,436,000	2,743
Extraordinary gains, net	$0	25
Net income	$1,436,000	2,747
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,436,000	2,747
Net charge-offs	$170,000	2,738
Cash dividends	$232,000	2,836
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,436,000	2,661
2013-06-30 (YTD Data)		Rank
Total interest income	$2,832,000	3,803
Total interest expense	$457,000	3,284
Net interest income	$2,375,000	3,847
Provision for loan and lease losses	$155,000	2,401
Total noninterest income	$701,000	2,761
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$228,000	2,545
Trading account gains and fees	$0	157
Additional Noninterest Income	$473,000	2,555
Total noninterest expense	$1,845,000	4,151
Salaries and employee benefits	$880,000	4,418
Premises and equipment expense	$169,000	4,634
Additional noninterest expense	$796,000	3,514
Pre-tax net operating income	$1,076,000	2,750
Securities gains (losses)	$0	2,791
Applicable income taxes	$0	4,679
Income before extraordinary items	$1,076,000	2,486
Extraordinary gains, net	$0	22
Net income	$1,076,000	2,493
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,076,000	2,492
Net charge-offs	$106,000	2,701
Cash dividends	$152,000	2,731
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,076,000	2,391
2013-03-31 (YTD Data)		Rank
Total interest income	$1,416,000	3,841
Total interest expense	$224,000	3,416
Net interest income	$1,192,000	3,849
Provision for loan and lease losses	$110,000	1,955
Total noninterest income	$499,000	2,229
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$115,000	2,529
Trading account gains and fees	$0	148
Additional Noninterest Income	$384,000	1,910
Total noninterest expense	$881,000	4,309
Salaries and employee benefits	$412,000	4,624
Premises and equipment expense	$89,000	4,561
Additional noninterest expense	$380,000	3,636
Pre-tax net operating income	$700,000	2,270
Securities gains (losses)	$0	1,966
Applicable income taxes	$0	4,602
Income before extraordinary items	$700,000	2,001
Extraordinary gains, net	$0	10
Net income	$700,000	2,001
Minority interest net income	$0	76
Net income of bank and minority interests.	$700,000	2,003
Net charge-offs	$111,000	1,804
Cash dividends	$76,000	2,205
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$700,000	1,918
2012-12-31 (YTD Data)		Rank
Total interest income	$5,484,000	4,074
Total interest expense	$936,000	3,772
Net interest income	$4,548,000	4,061
Provision for loan and lease losses	$165,000	4,177
Total noninterest income	$896,000	3,441
Gross Fiduciary activities income	$1,000	1,273
Service charges on deposit accounts	$558,000	2,279
Trading account gains and fees	$0	166
Additional Noninterest Income	$337,000	3,883
Total noninterest expense	$3,832,000	4,155
Salaries and employee benefits	$1,789,000	4,413
Premises and equipment expense	$162,000	6,021
Additional noninterest expense	$1,881,000	3,231
Pre-tax net operating income	$1,447,000	3,390
Securities gains (losses)	$346,000	1,237
Applicable income taxes	$0	4,751
Income before extraordinary items	$1,793,000	2,792
Extraordinary gains, net	$0	29
Net income	$1,793,000	2,795
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,793,000	2,794
Net charge-offs	$10,000	5,604
Cash dividends	$1,484,000	1,519
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,447,000	3,066
2012-09-30 (YTD Data)		Rank
Total interest income	$4,059,000	4,189
Total interest expense	$701,000	3,894
Net interest income	$3,358,000	4,177
Provision for loan and lease losses	$120,000	4,163
Total noninterest income	$624,000	3,615
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$407,000	2,356
Trading account gains and fees	$0	157
Additional Noninterest Income	$217,000	4,132
Total noninterest expense	$2,737,000	4,294
Salaries and employee benefits	$1,325,000	4,464
Premises and equipment expense	$300,000	4,350
Additional noninterest expense	$1,112,000	3,831
Pre-tax net operating income	$1,125,000	3,428
Securities gains (losses)	$346,000	989
Applicable income taxes	$0	4,802
Income before extraordinary items	$1,471,000	2,677
Extraordinary gains, net	$0	20
Net income	$1,471,000	2,679
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,471,000	2,678
Net charge-offs	$2,000	5,642
Cash dividends	$184,000	2,974
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,125,000	3,053
2012-06-30 (YTD Data)		Rank
Total interest income	$2,653,000	4,268
Total interest expense	$467,000	3,986
Net interest income	$2,186,000	4,244
Provision for loan and lease losses	$75,000	4,155
Total noninterest income	$388,000	3,716
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$266,000	2,372
Trading account gains and fees	$0	153
Additional Noninterest Income	$122,000	4,372
Total noninterest expense	$1,826,000	4,317
Salaries and employee benefits	$907,000	4,420
Premises and equipment expense	$194,000	4,443
Additional noninterest expense	$725,000	3,897
Pre-tax net operating income	$673,000	3,607
Securities gains (losses)	$346,000	763
Applicable income taxes	$0	4,770
Income before extraordinary items	$1,019,000	2,590
Extraordinary gains, net	$0	19
Net income	$1,019,000	2,590
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,019,000	2,590
Net charge-offs	$14,000	4,811
Cash dividends	$122,000	2,871
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$673,000	3,231
2012-03-31 (YTD Data)		Rank
Total interest income	$1,286,000	4,386
Total interest expense	$232,000	4,109
Net interest income	$1,054,000	4,369
Provision for loan and lease losses	$45,000	3,771
Total noninterest income	$189,000	3,758
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$132,000	2,376
Trading account gains and fees	$0	148
Additional Noninterest Income	$57,000	4,515
Total noninterest expense	$881,000	4,444
Salaries and employee benefits	$417,000	4,672
Premises and equipment expense	$93,000	4,555
Additional noninterest expense	$371,000	3,821
Pre-tax net operating income	$317,000	3,742
Securities gains (losses)	$346,000	393
Applicable income taxes	$0	4,704
Income before extraordinary items	$663,000	2,094
Extraordinary gains, net	$0	19
Net income	$663,000	2,094
Minority interest net income	$0	78
Net income of bank and minority interests.	$663,000	2,096
Net charge-offs	$13,000	3,918
Cash dividends	$61,000	2,338
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$317,000	3,363
2011-12-31 (YTD Data)		Rank
Total interest income	$5,630,000	4,248
Total interest expense	$954,000	4,514
Net interest income	$4,676,000	4,091
Provision for loan and lease losses	$165,000	4,834
Total noninterest income	$844,000	3,415
Gross Fiduciary activities income	$1,000	1,250
Service charges on deposit accounts	$568,000	2,336
Trading account gains and fees	$0	146
Additional Noninterest Income	$275,000	4,006
Total noninterest expense	$3,661,000	4,374
Salaries and employee benefits	$1,818,000	4,417
Premises and equipment expense	$355,000	4,826
Additional noninterest expense	$1,488,000	3,890
Pre-tax net operating income	$1,694,000	2,813
Securities gains (losses)	$158,000	1,661
Applicable income taxes	$0	4,719
Income before extraordinary items	$1,852,000	2,400
Extraordinary gains, net	$0	29
Net income	$1,852,000	2,400
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,852,000	2,401
Net charge-offs	$238,000	4,083
Cash dividends	$1,834,000	1,036
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,694,000	2,469
2011-09-30 (YTD Data)		Rank
Total interest income	$4,231,000	4,290
Total interest expense	$716,000	4,629
Net interest income	$3,515,000	4,103
Provision for loan and lease losses	$90,000	5,036
Total noninterest income	$562,000	3,667
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$417,000	2,384
Trading account gains and fees	$0	145
Additional Noninterest Income	$145,000	4,575
Total noninterest expense	$2,572,000	4,535
Salaries and employee benefits	$1,348,000	4,445
Premises and equipment expense	$259,000	4,962
Additional noninterest expense	$965,000	4,266
Pre-tax net operating income	$1,415,000	2,690
Securities gains (losses)	$54,000	2,286
Applicable income taxes	$0	4,740
Income before extraordinary items	$1,469,000	2,361
Extraordinary gains, net	$0	21
Net income	$1,469,000	2,362
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,469,000	2,362
Net charge-offs	$119,000	4,255
Cash dividends	$184,000	2,779
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,415,000	2,332
2011-06-30 (YTD Data)		Rank
Total interest income	$2,805,000	4,351
Total interest expense	$491,000	4,681
Net interest income	$2,314,000	4,162
Provision for loan and lease losses	$60,000	4,872
Total noninterest income	$360,000	3,771
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$249,000	2,576
Trading account gains and fees	$0	153
Additional Noninterest Income	$111,000	4,391
Total noninterest expense	$1,676,000	4,643
Salaries and employee benefits	$868,000	4,594
Premises and equipment expense	$174,000	4,993
Additional noninterest expense	$634,000	4,377
Pre-tax net operating income	$938,000	2,651
Securities gains (losses)	$42,000	1,689
Applicable income taxes	$0	4,697
Income before extraordinary items	$980,000	2,314
Extraordinary gains, net	$0	15
Net income	$980,000	2,314
Minority interest net income	$0	89
Net income of bank and minority interests.	$980,000	2,314
Net charge-offs	$62,000	4,287
Cash dividends	$123,000	2,665
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$938,000	2,308
2011-03-31 (YTD Data)		Rank
Total interest income	$1,399,000	4,375
Total interest expense	$260,000	4,644
Net interest income	$1,139,000	4,200
Provision for loan and lease losses	$30,000	4,582
Total noninterest income	$174,000	3,857
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$115,000	2,685
Trading account gains and fees	$0	158
Additional Noninterest Income	$59,000	4,407
Total noninterest expense	$830,000	4,694
Salaries and employee benefits	$445,000	4,536
Premises and equipment expense	$77,000	5,307
Additional noninterest expense	$308,000	4,459
Pre-tax net operating income	$453,000	2,744
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$453,000	2,433
Extraordinary gains, net	$0	9
Net income	$453,000	2,432
Minority interest net income	$0	86
Net income of bank and minority interests.	$453,000	2,433
Net charge-offs	$65,000	3,136
Cash dividends	$62,000	2,155
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$453,000	2,384
2010-12-31 (YTD Data)		Rank
Total interest income	$5,634,000	4,489
Total interest expense	$1,264,000	4,678
Net interest income	$4,370,000	4,326
Provision for loan and lease losses	$120,000	5,848
Total noninterest income	$907,000	3,393
Gross Fiduciary activities income	$1,000	1,307
Service charges on deposit accounts	$563,000	2,418
Trading account gains and fees	$0	175
Additional Noninterest Income	$343,000	3,753
Total noninterest expense	$3,521,000	4,577
Salaries and employee benefits	$1,770,000	4,573
Premises and equipment expense	$313,000	5,307
Additional noninterest expense	$1,438,000	4,117
Pre-tax net operating income	$1,636,000	2,589
Securities gains (losses)	$0	3,793
Applicable income taxes	$0	4,655
Income before extraordinary items	$1,636,000	2,368
Extraordinary gains, net	$0	29
Net income	$1,636,000	2,366
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,636,000	2,369
Net charge-offs	$63,000	5,767
Cash dividends	$993,000	1,507
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,636,000	2,262
2010-09-30 (YTD Data)		Rank
Total interest income	$4,189,000	4,599
Total interest expense	$972,000	4,771
Net interest income	$3,217,000	4,426
Provision for loan and lease losses	$90,000	5,755
Total noninterest income	$567,000	3,802
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$429,000	2,447
Trading account gains and fees	$0	165
Additional Noninterest Income	$138,000	4,776
Total noninterest expense	$2,455,000	4,793
Salaries and employee benefits	$1,285,000	4,698
Premises and equipment expense	$249,000	5,245
Additional noninterest expense	$921,000	4,537
Pre-tax net operating income	$1,239,000	2,722
Securities gains (losses)	$0	3,651
Applicable income taxes	$0	4,726
Income before extraordinary items	$1,239,000	2,489
Extraordinary gains, net	$0	23
Net income	$1,239,000	2,486
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,239,000	2,490
Net charge-offs	$41,000	5,650
Cash dividends	$193,000	2,754
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,239,000	2,364
2010-06-30 (YTD Data)		Rank
Total interest income	$2,749,000	4,686
Total interest expense	$673,000	4,784
Net interest income	$2,076,000	4,527
Provision for loan and lease losses	$60,000	5,595
Total noninterest income	$368,000	3,809
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$264,000	2,608
Trading account gains and fees	$0	152
Additional Noninterest Income	$104,000	4,587
Total noninterest expense	$1,603,000	4,860
Salaries and employee benefits	$814,000	4,880
Premises and equipment expense	$164,000	5,318
Additional noninterest expense	$625,000	4,484
Pre-tax net operating income	$781,000	2,838
Securities gains (losses)	$0	3,184
Applicable income taxes	$0	4,691
Income before extraordinary items	$781,000	2,551
Extraordinary gains, net	$0	19
Net income	$781,000	2,548
Minority interest net income	$0	105
Net income of bank and minority interests.	$781,000	2,551
Net charge-offs	$27,000	5,335
Cash dividends	$123,000	2,691
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$781,000	2,451
2010-03-31 (YTD Data)		Rank
Total interest income	$1,382,000	4,732
Total interest expense	$333,000	4,943
Net interest income	$1,049,000	4,532
Provision for loan and lease losses	$30,000	5,300
Total noninterest income	$176,000	3,942
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$118,000	2,818
Trading account gains and fees	$0	175
Additional Noninterest Income	$58,000	4,439
Total noninterest expense	$798,000	4,929
Salaries and employee benefits	$405,000	4,966
Premises and equipment expense	$80,000	5,439
Additional noninterest expense	$313,000	4,469
Pre-tax net operating income	$397,000	2,847
Securities gains (losses)	$0	2,284
Applicable income taxes	$0	4,611
Income before extraordinary items	$397,000	2,566
Extraordinary gains, net	$0	16
Net income	$397,000	2,562
Minority interest net income	$0	91
Net income of bank and minority interests.	$397,000	2,566
Net charge-offs	$29,000	4,173
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$397,000	2,474
2009-12-31 (YTD Data)		Rank
Total interest income	$5,527,000	4,846
Total interest expense	$1,631,000	4,965
Net interest income	$3,896,000	4,631
Provision for loan and lease losses	$220,000	5,673
Total noninterest income	$742,000	3,934
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$529,000	2,770
Trading account gains and fees	$0	211
Additional Noninterest Income	$213,000	4,535
Total noninterest expense	$3,496,000	4,726
Salaries and employee benefits	$1,709,000	4,808
Premises and equipment expense	$448,000	4,697
Additional noninterest expense	$1,339,000	4,414
Pre-tax net operating income	$922,000	3,114
Securities gains (losses)	$204,000	1,537
Applicable income taxes	$0	4,388
Income before extraordinary items	$1,126,000	2,574
Extraordinary gains, net	$0	34
Net income	$1,126,000	2,572
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,126,000	2,573
Net charge-offs	$92,000	5,772
Cash dividends	$320,000	3,133
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$922,000	2,846
2009-09-30 (YTD Data)		Rank
Total interest income	$4,072,000	4,964
Total interest expense	$1,218,000	5,110
Net interest income	$2,854,000	4,729
Provision for loan and lease losses	$90,000	6,065
Total noninterest income	$560,000	3,977
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$397,000	2,781
Trading account gains and fees	$0	212
Additional Noninterest Income	$163,000	4,618
Total noninterest expense	$2,784,000	4,567
Salaries and employee benefits	$1,230,000	4,973
Premises and equipment expense	$321,000	4,851
Additional noninterest expense	$1,233,000	3,811
Pre-tax net operating income	$540,000	3,782
Securities gains (losses)	$140,000	1,560
Applicable income taxes	$0	4,592
Income before extraordinary items	$680,000	3,187
Extraordinary gains, net	$0	27
Net income	$680,000	3,185
Minority interest net income	$0	118
Net income of bank and minority interests.	$680,000	3,187
Net charge-offs	$58,000	5,561
Cash dividends	$20,000	4,088
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$540,000	3,461
2009-06-30 (YTD Data)		Rank
Total interest income	$2,692,000	5,018
Total interest expense	$826,000	5,206
Net interest income	$1,866,000	4,777
Provision for loan and lease losses	$60,000	5,816
Total noninterest income	$363,000	4,030
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$261,000	2,768
Trading account gains and fees	$0	193
Additional Noninterest Income	$102,000	4,760
Total noninterest expense	$1,630,000	4,988
Salaries and employee benefits	$812,000	5,051
Premises and equipment expense	$211,000	4,933
Additional noninterest expense	$607,000	4,689
Pre-tax net operating income	$539,000	3,193
Securities gains (losses)	$126,000	1,320
Applicable income taxes	$0	4,657
Income before extraordinary items	$665,000	2,590
Extraordinary gains, net	$0	21
Net income	$665,000	2,587
Minority interest net income	$0	112
Net income of bank and minority interests.	$665,000	2,589
Net charge-offs	$14,000	5,830
Cash dividends	$20,000	3,861
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$539,000	2,852
2009-03-31 (YTD Data)		Rank
Total interest income	$1,350,000	5,040
Total interest expense	$415,000	5,300
Net interest income	$935,000	4,761
Provision for loan and lease losses	$30,000	5,394
Total noninterest income	$167,000	4,177
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$123,000	2,835
Trading account gains and fees	$0	171
Additional Noninterest Income	$44,000	5,048
Total noninterest expense	$824,000	4,868
Salaries and employee benefits	$431,000	4,920
Premises and equipment expense	$111,000	4,833
Additional noninterest expense	$282,000	4,597
Pre-tax net operating income	$248,000	3,652
Securities gains (losses)	$0	2,434
Applicable income taxes	$0	4,835
Income before extraordinary items	$248,000	3,462
Extraordinary gains, net	$0	15
Net income	$248,000	3,463
Minority interest net income	$0	102
Net income of bank and minority interests.	$248,000	3,463
Net charge-offs	$2,000	5,430
Cash dividends	$20,000	2,915
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$248,000	3,308
2008-12-31 (YTD Data)		Rank
Total interest income	$5,574,000	5,148
Total interest expense	$2,065,000	5,216
Net interest income	$3,509,000	4,968
Provision for loan and lease losses	$120,000	5,805
Total noninterest income	$833,000	3,789
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$586,000	2,690
Trading account gains and fees	$0	154
Additional Noninterest Income	$247,000	4,466
Total noninterest expense	$3,112,000	5,002
Salaries and employee benefits	$1,721,000	4,927
Premises and equipment expense	$460,000	4,699
Additional noninterest expense	$931,000	5,050
Pre-tax net operating income	$1,110,000	3,572
Securities gains (losses)	$89,000	1,216
Applicable income taxes	$0	4,979
Income before extraordinary items	$1,199,000	2,923
Extraordinary gains, net	$0	39
Net income	$1,199,000	2,922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	5,301
Cash dividends	$313,000	4,002
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,110,000	3,241
2008-09-30 (YTD Data)		Rank
Total interest income	$4,173,000	5,233
Total interest expense	$1,559,000	5,330
Net interest income	$2,614,000	5,034
Provision for loan and lease losses	$90,000	5,263
Total noninterest income	$559,000	4,090
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$444,000	2,683
Trading account gains and fees	$0	148
Additional Noninterest Income	$115,000	5,380
Total noninterest expense	$2,366,000	4,935
Salaries and employee benefits	$1,327,000	4,846
Premises and equipment expense	$345,000	4,705
Additional noninterest expense	$694,000	4,977
Pre-tax net operating income	$717,000	4,292
Securities gains (losses)	$85,000	1,070
Applicable income taxes	$0	5,372
Income before extraordinary items	$802,000	3,558
Extraordinary gains, net	$0	31
Net income	$802,000	3,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	4,429
Cash dividends	$313,000	3,332
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$717,000	3,915
2008-06-30 (YTD Data)		Rank
Total interest income	$2,743,000	5,344
Total interest expense	$1,062,000	5,421
Net interest income	$1,681,000	5,139
Provision for loan and lease losses	$60,000	4,901
Total noninterest income	$375,000	4,142
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$291,000	2,704
Trading account gains and fees	$0	149
Additional Noninterest Income	$84,000	5,338
Total noninterest expense	$1,559,000	5,007
Salaries and employee benefits	$878,000	4,909
Premises and equipment expense	$219,000	4,878
Additional noninterest expense	$462,000	4,980
Pre-tax net operating income	$437,000	4,626
Securities gains (losses)	$85,000	1,088
Applicable income taxes	$0	5,627
Income before extraordinary items	$522,000	3,936
Extraordinary gains, net	$0	21
Net income	$522,000	3,937
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	3,825
Cash dividends	$241,000	3,234
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$437,000	4,235
2008-03-31 (YTD Data)		Rank
Total interest income	$1,381,000	5,416
Total interest expense	$543,000	5,549
Net interest income	$838,000	5,165
Provision for loan and lease losses	$30,000	4,346
Total noninterest income	$189,000	4,115
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$153,000	2,573
Trading account gains and fees	$0	158
Additional Noninterest Income	$36,000	5,627
Total noninterest expense	$801,000	4,929
Salaries and employee benefits	$461,000	4,811
Premises and equipment expense	$107,000	4,968
Additional noninterest expense	$233,000	4,909
Pre-tax net operating income	$196,000	4,989
Securities gains (losses)	$85,000	794
Applicable income taxes	$0	5,622
Income before extraordinary items	$281,000	3,958
Extraordinary gains, net	$0	15
Net income	$281,000	3,960
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	3,186
Cash dividends	$30,000	3,516
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$196,000	4,593
2007-12-31 (YTD Data)		Rank
Total interest income	$5,437,000	5,492
Total interest expense	$2,268,000	5,531
Net interest income	$3,169,000	5,353
Provision for loan and lease losses	$118,000	4,701
Total noninterest income	$695,000	4,317
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$560,000	2,819
Trading account gains and fees	$0	178
Additional Noninterest Income	$135,000	5,752
Total noninterest expense	$2,982,000	5,019
Salaries and employee benefits	$1,557,000	5,194
Premises and equipment expense	$289,000	5,876
Additional noninterest expense	$1,136,000	4,230
Pre-tax net operating income	$764,000	5,262
Securities gains (losses)	$82,000	663
Applicable income taxes	$0	6,070
Income before extraordinary items	$846,000	4,665
Extraordinary gains, net	$0	39
Net income	$846,000	4,666
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$200,000	2,867
Cash dividends	$1,560,000	1,943
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$764,000	4,858
2007-09-30 (YTD Data)		Rank
Total interest income	$4,073,000	5,522
Total interest expense	$1,678,000	5,575
Net interest income	$2,395,000	5,354
Provision for loan and lease losses	$45,000	5,124
Total noninterest income	$502,000	4,411
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$431,000	2,753
Trading account gains and fees	$0	184
Additional Noninterest Income	$71,000	6,326
Total noninterest expense	$2,350,000	4,847
Salaries and employee benefits	$1,223,000	5,037
Premises and equipment expense	$225,000	5,784
Additional noninterest expense	$902,000	4,002
Pre-tax net operating income	$502,000	5,762
Securities gains (losses)	$53,000	616
Applicable income taxes	$0	6,220
Income before extraordinary items	$555,000	5,182
Extraordinary gains, net	$0	33
Net income	$555,000	5,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	4,188
Cash dividends	$153,000	4,343
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$502,000	5,362
2007-06-30 (YTD Data)		Rank
Total interest income	$2,684,000	5,579
Total interest expense	$1,094,000	5,651
Net interest income	$1,590,000	5,405
Provision for loan and lease losses	$30,000	4,873
Total noninterest income	$337,000	4,415
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$267,000	2,890
Trading account gains and fees	$0	168
Additional Noninterest Income	$70,000	5,737
Total noninterest expense	$1,489,000	5,035
Salaries and employee benefits	$789,000	5,178
Premises and equipment expense	$145,000	5,910
Additional noninterest expense	$555,000	4,247
Pre-tax net operating income	$408,000	5,473
Securities gains (losses)	$53,000	520
Applicable income taxes	$0	6,265
Income before extraordinary items	$461,000	4,748
Extraordinary gains, net	$0	29
Net income	$461,000	4,748
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	4,113
Cash dividends	$102,000	4,281
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$408,000	5,016
2007-03-31 (YTD Data)		Rank
Total interest income	$1,325,000	5,622
Total interest expense	$554,000	5,596
Net interest income	$771,000	5,501
Provision for loan and lease losses	$15,000	4,592
Total noninterest income	$160,000	4,478
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$127,000	2,953
Trading account gains and fees	$0	195
Additional Noninterest Income	$33,000	5,825
Total noninterest expense	$746,000	5,033
Salaries and employee benefits	$403,000	5,142
Premises and equipment expense	$108,000	4,816
Additional noninterest expense	$235,000	4,741
Pre-tax net operating income	$170,000	5,823
Securities gains (losses)	$42,000	437
Applicable income taxes	$0	6,196
Income before extraordinary items	$212,000	4,924
Extraordinary gains, net	$0	22
Net income	$212,000	4,925
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,785
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$170,000	5,392
2006-12-31 (YTD Data)		Rank
Total interest income	$5,075,000	5,514
Total interest expense	$1,885,000	5,562
Net interest income	$3,190,000	5,338
Provision for loan and lease losses	$90,000	4,875
Total noninterest income	$726,000	4,280
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$480,000	3,145
Trading account gains and fees	$0	130
Additional Noninterest Income	$246,000	4,687
Total noninterest expense	$2,996,000	4,887
Salaries and employee benefits	$1,484,000	5,222
Premises and equipment expense	$427,000	4,722
Additional noninterest expense	$1,085,000	4,257
Pre-tax net operating income	$830,000	5,571
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$830,000	5,127
Extraordinary gains, net	$0	51
Net income	$830,000	5,131
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	4,207
Cash dividends	$410,000	4,022
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$830,000	5,124
2006-09-30 (YTD Data)		Rank
Total interest income	$3,753,000	5,556
Total interest expense	$1,296,000	5,720
Net interest income	$2,457,000	5,311
Provision for loan and lease losses	$80,000	4,494
Total noninterest income	$481,000	4,579
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$352,000	3,206
Trading account gains and fees	$0	126
Additional Noninterest Income	$129,000	5,401
Total noninterest expense	$2,198,000	4,942
Salaries and employee benefits	$1,146,000	5,119
Premises and equipment expense	$269,000	5,262
Additional noninterest expense	$783,000	4,337
Pre-tax net operating income	$660,000	5,666
Securities gains (losses)	$-12,000	7,658
Applicable income taxes	$0	6,687
Income before extraordinary items	$648,000	5,176
Extraordinary gains, net	$0	45
Net income	$648,000	5,180
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	3,644
Cash dividends	$156,000	4,402
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$660,000	5,130
2006-06-30 (YTD Data)		Rank
Total interest income	$2,442,000	5,600
Total interest expense	$813,000	5,773
Net interest income	$1,629,000	5,355
Provision for loan and lease losses	$60,000	4,062
Total noninterest income	$298,000	4,768
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$247,000	3,082
Trading account gains and fees	$0	126
Additional Noninterest Income	$51,000	6,354
Total noninterest expense	$1,448,000	5,009
Salaries and employee benefits	$758,000	5,161
Premises and equipment expense	$148,000	5,813
Additional noninterest expense	$542,000	4,233
Pre-tax net operating income	$419,000	5,797
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$419,000	5,275
Extraordinary gains, net	$0	39
Net income	$419,000	5,279
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	3,455
Cash dividends	$105,000	4,297
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$419,000	5,274
2006-03-31 (YTD Data)		Rank
Total interest income	$1,205,000	5,593
Total interest expense	$386,000	5,791
Net interest income	$819,000	5,333
Provision for loan and lease losses	$30,000	3,822
Total noninterest income	$134,000	4,950
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$108,000	3,311
Trading account gains and fees	$0	115
Additional Noninterest Income	$26,000	6,300
Total noninterest expense	$706,000	5,109
Salaries and employee benefits	$393,000	5,071
Premises and equipment expense	$61,000	6,319
Additional noninterest expense	$252,000	4,448
Pre-tax net operating income	$217,000	5,670
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$217,000	5,152
Extraordinary gains, net	$0	21
Net income	$217,000	5,152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	2,694
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$217,000	5,147
2005-12-31 (YTD Data)		Rank
Total interest income	$4,678,000	5,368
Total interest expense	$1,438,000	5,333
Net interest income	$3,240,000	5,256
Provision for loan and lease losses	$100,000	4,800
Total noninterest income	$540,000	5,059
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$452,000	3,267
Trading account gains and fees	$0	138
Additional Noninterest Income	$88,000	6,605
Total noninterest expense	$2,801,000	5,014
Salaries and employee benefits	$1,386,000	5,323
Premises and equipment expense	$370,000	5,101
Additional noninterest expense	$1,045,000	4,276
Pre-tax net operating income	$879,000	5,687
Securities gains (losses)	$-3,000	7,152
Applicable income taxes	$0	6,964
Income before extraordinary items	$876,000	5,143
Extraordinary gains, net	$0	46
Net income	$876,000	5,146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$177,000	2,472
Cash dividends	$669,000	3,156
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$879,000	5,103
2005-09-30 (YTD Data)		Rank
Total interest income	$3,458,000	5,383
Total interest expense	$1,018,000	5,385
Net interest income	$2,440,000	5,247
Provision for loan and lease losses	$75,000	4,689
Total noninterest income	$455,000	4,790
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$344,000	3,255
Trading account gains and fees	$0	126
Additional Noninterest Income	$111,000	5,769
Total noninterest expense	$2,059,000	5,041
Salaries and employee benefits	$1,055,000	5,251
Premises and equipment expense	$304,000	4,799
Additional noninterest expense	$700,000	4,620
Pre-tax net operating income	$761,000	5,455
Securities gains (losses)	$-3,000	7,524
Applicable income taxes	$0	6,976
Income before extraordinary items	$758,000	4,897
Extraordinary gains, net	$0	35
Net income	$758,000	4,899
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$173,000	1,862
Cash dividends	$157,000	4,310
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$761,000	4,849
2005-06-30 (YTD Data)		Rank
Total interest income	$2,269,000	5,362
Total interest expense	$644,000	5,379
Net interest income	$1,625,000	5,253
Provision for loan and lease losses	$60,000	4,115
Total noninterest income	$314,000	4,667
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$230,000	3,207
Trading account gains and fees	$0	116
Additional Noninterest Income	$84,000	5,510
Total noninterest expense	$1,290,000	5,237
Salaries and employee benefits	$673,000	5,369
Premises and equipment expense	$66,000	7,484
Additional noninterest expense	$551,000	4,060
Pre-tax net operating income	$589,000	5,051
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$589,000	4,464
Extraordinary gains, net	$0	30
Net income	$589,000	4,465
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	1,551
Cash dividends	$104,000	4,207
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$589,000	4,414
2005-03-31 (YTD Data)		Rank
Total interest income	$1,108,000	5,422
Total interest expense	$305,000	5,431
Net interest income	$803,000	5,318
Provision for loan and lease losses	$30,000	3,913
Total noninterest income	$151,000	4,696
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$111,000	3,214
Trading account gains and fees	$0	115
Additional Noninterest Income	$40,000	5,645
Total noninterest expense	$643,000	5,275
Salaries and employee benefits	$313,000	5,651
Premises and equipment expense	$88,000	5,294
Additional noninterest expense	$242,000	4,456
Pre-tax net operating income	$281,000	5,166
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$281,000	4,552
Extraordinary gains, net	$0	24
Net income	$281,000	4,553
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	2,290
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$281,000	4,513
2004-12-31 (YTD Data)		Rank
Total interest income	$4,439,000	5,219
Total interest expense	$1,252,000	5,002
Net interest income	$3,187,000	5,226
Provision for loan and lease losses	$110,000	4,839
Total noninterest income	$619,000	4,738
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$455,000	3,359
Trading account gains and fees	$0	138
Additional Noninterest Income	$164,000	5,508
Total noninterest expense	$2,672,000	5,063
Salaries and employee benefits	$1,300,000	5,433
Premises and equipment expense	$430,000	4,550
Additional noninterest expense	$942,000	4,569
Pre-tax net operating income	$1,024,000	5,180
Securities gains (losses)	$66,000	1,527
Applicable income taxes	$0	7,185
Income before extraordinary items	$1,090,000	4,466
Extraordinary gains, net	$0	34
Net income	$1,090,000	4,466
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	4,291
Cash dividends	$968,000	2,412
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,024,000	4,565
2004-09-30 (YTD Data)		Rank
Total interest income	$3,313,000	5,222
Total interest expense	$920,000	5,026
Net interest income	$2,393,000	5,207
Provision for loan and lease losses	$80,000	4,713
Total noninterest income	$447,000	4,849
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$335,000	3,423
Trading account gains and fees	$0	134
Additional Noninterest Income	$112,000	5,710
Total noninterest expense	$1,912,000	5,192
Salaries and employee benefits	$961,000	5,450
Premises and equipment expense	$270,000	5,086
Additional noninterest expense	$681,000	4,626
Pre-tax net operating income	$848,000	5,031
Securities gains (losses)	$63,000	1,486
Applicable income taxes	$0	7,220
Income before extraordinary items	$911,000	4,235
Extraordinary gains, net	$0	26
Net income	$911,000	4,236
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	5,064
Cash dividends	$157,000	4,252
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$848,000	4,369
2004-06-30 (YTD Data)		Rank
Total interest income	$2,193,000	5,251
Total interest expense	$611,000	5,054
Net interest income	$1,582,000	5,240
Provision for loan and lease losses	$50,000	4,677
Total noninterest income	$300,000	4,828
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$218,000	3,451
Trading account gains and fees	$0	130
Additional Noninterest Income	$82,000	5,559
Total noninterest expense	$1,288,000	5,172
Salaries and employee benefits	$647,000	5,463
Premises and equipment expense	$225,000	4,416
Additional noninterest expense	$416,000	4,929
Pre-tax net operating income	$544,000	5,094
Securities gains (losses)	$63,000	1,312
Applicable income taxes	$0	7,214
Income before extraordinary items	$607,000	4,222
Extraordinary gains, net	$0	21
Net income	$607,000	4,223
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	5,069
Cash dividends	$105,000	4,135
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$544,000	4,425
2004-03-31 (YTD Data)		Rank
Total interest income	$1,104,000	5,250
Total interest expense	$299,000	5,173
Net interest income	$805,000	5,190
Provision for loan and lease losses	$20,000	4,792
Total noninterest income	$135,000	5,039
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$110,000	3,351
Trading account gains and fees	$0	121
Additional Noninterest Income	$25,000	6,426
Total noninterest expense	$601,000	5,444
Salaries and employee benefits	$310,000	5,642
Premises and equipment expense	$113,000	4,421
Additional noninterest expense	$178,000	5,468
Pre-tax net operating income	$319,000	4,674
Securities gains (losses)	$63,000	1,071
Applicable income taxes	$0	7,103
Income before extraordinary items	$382,000	3,629
Extraordinary gains, net	$0	16
Net income	$382,000	3,628
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	8,046
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$319,000	3,964
2003-12-31 (YTD Data)		Rank
Total interest income	$4,383,000	5,334
Total interest expense	$1,481,000	4,904
Net interest income	$2,902,000	5,419
Provision for loan and lease losses	$120,000	4,933
Total noninterest income	$508,000	5,394
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$419,000	3,546
Trading account gains and fees	$0	160
Additional Noninterest Income	$89,000	6,724
Total noninterest expense	$2,492,000	5,224
Salaries and employee benefits	$1,260,000	5,472
Premises and equipment expense	$401,000	4,723
Additional noninterest expense	$831,000	4,925
Pre-tax net operating income	$798,000	5,711
Securities gains (losses)	$257,000	1,152
Applicable income taxes	$0	7,459
Income before extraordinary items	$1,055,000	4,488
Extraordinary gains, net	$0	54
Net income	$1,055,000	4,490
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	4,498
Cash dividends	$967,000	2,388
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$798,000	5,082
2003-09-30 (YTD Data)		Rank
Total interest income	$3,286,000	5,399
Total interest expense	$1,120,000	5,014
Net interest income	$2,166,000	5,453
Provision for loan and lease losses	$90,000	4,812
Total noninterest income	$356,000	5,620
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$299,000	3,661
Trading account gains and fees	$0	153
Additional Noninterest Income	$57,000	7,031
Total noninterest expense	$1,743,000	5,451
Salaries and employee benefits	$926,000	5,507
Premises and equipment expense	$312,000	4,591
Additional noninterest expense	$505,000	5,611
Pre-tax net operating income	$689,000	5,547
Securities gains (losses)	$257,000	1,065
Applicable income taxes	$0	7,524
Income before extraordinary items	$946,000	4,127
Extraordinary gains, net	$0	40
Net income	$946,000	4,127
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	5,282
Cash dividends	$157,000	4,332
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$689,000	4,845
2003-06-30 (YTD Data)		Rank
Total interest income	$2,194,000	5,428
Total interest expense	$763,000	5,078
Net interest income	$1,431,000	5,480
Provision for loan and lease losses	$60,000	4,687
Total noninterest income	$181,000	6,218
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$170,000	4,008
Trading account gains and fees	$0	150
Additional Noninterest Income	$11,000	8,392
Total noninterest expense	$1,167,000	5,426
Salaries and employee benefits	$626,000	5,475
Premises and equipment expense	$184,000	4,966
Additional noninterest expense	$357,000	5,403
Pre-tax net operating income	$385,000	5,961
Securities gains (losses)	$257,000	899
Applicable income taxes	$0	7,529
Income before extraordinary items	$642,000	4,099
Extraordinary gains, net	$0	30
Net income	$642,000	4,098
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	4,731
Cash dividends	$105,000	4,183
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$385,000	5,298
2003-03-31 (YTD Data)		Rank
Total interest income	$1,074,000	5,530
Total interest expense	$383,000	5,164
Net interest income	$691,000	5,587
Provision for loan and lease losses	$30,000	4,429
Total noninterest income	$74,000	6,601
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$82,000	4,012
Trading account gains and fees	$0	134
Additional Noninterest Income	$-8,000	9,277
Total noninterest expense	$545,000	5,673
Salaries and employee benefits	$293,000	5,698
Premises and equipment expense	$89,000	5,083
Additional noninterest expense	$163,000	5,663
Pre-tax net operating income	$190,000	5,958
Securities gains (losses)	$93,000	1,041
Applicable income taxes	$0	7,403
Income before extraordinary items	$283,000	4,396
Extraordinary gains, net	$0	21
Net income	$283,000	4,394
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	8,300
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$190,000	5,252
2002-12-31 (YTD Data)		Rank
Total interest income	$4,639,000	5,427
Total interest expense	$1,977,000	4,830
Net interest income	$2,662,000	5,701
Provision for loan and lease losses	$68,000	6,337
Total noninterest income	$434,000	5,579
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$333,000	4,002
Trading account gains and fees	$0	153
Additional Noninterest Income	$101,000	6,421
Total noninterest expense	$2,273,000	5,432
Salaries and employee benefits	$1,197,000	5,489
Premises and equipment expense	$397,000	4,682
Additional noninterest expense	$679,000	5,509
Pre-tax net operating income	$755,000	5,913
Securities gains (losses)	$251,000	1,021
Applicable income taxes	$0	7,681
Income before extraordinary items	$1,006,000	4,569
Extraordinary gains, net	$0	70
Net income	$1,006,000	4,569
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$226,000	2,826
Cash dividends	$830,000	2,589
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$755,000	5,219
2001-12-31 (YTD Data)		Rank
Total interest income	$5,031,000	5,590
Total interest expense	$2,614,000	5,251
Net interest income	$2,417,000	5,827
Provision for loan and lease losses	$120,000	5,188
Total noninterest income	$654,000	4,365
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$364,000	3,663
Trading account gains and fees	$0	177
Additional Noninterest Income	$290,000	4,187
Total noninterest expense	$2,186,000	5,406
Salaries and employee benefits	$1,115,000	5,598
Premises and equipment expense	$359,000	4,943
Additional noninterest expense	$712,000	5,222
Pre-tax net operating income	$765,000	5,606
Securities gains (losses)	$239,000	1,052
Applicable income taxes	$0	7,903
Income before extraordinary items	$1,004,000	4,285
Extraordinary gains, net	$0	105
Net income	$1,004,000	4,286
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	4,455
Cash dividends	$709,000	2,835
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$765,000	4,879
2000-12-31 (YTD Data)		Rank
Total interest income	$4,931,000	5,785
Total interest expense	$2,376,000	5,742
Net interest income	$2,555,000	5,720
Provision for loan and lease losses	$83,000	5,704
Total noninterest income	$509,000	4,881
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$352,000	3,575
Trading account gains and fees	NA	NA
Additional Noninterest Income	$157,000	5,363
Total noninterest expense	$2,093,000	5,518
Salaries and employee benefits	$1,094,000	5,581
Premises and equipment expense	$338,000	5,063
Additional noninterest expense	$661,000	5,406
Pre-tax net operating income	$888,000	5,586
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$888,000	4,725
Extraordinary gains, net	$0	38
Net income	$888,000	4,724
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	4,622
Cash dividends	$619,000	3,139
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$888,000	4,722
1999-12-31 (YTD Data)		Rank
Total interest income	$4,683,000	5,805
Total interest expense	$2,110,000	5,787
Net interest income	$2,573,000	5,700
Provision for loan and lease losses	$79,000	5,701
Total noninterest income	$441,000	5,333
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$285,000	4,124
Trading account gains and fees	NA	NA
Additional Noninterest Income	$156,000	5,512
Total noninterest expense	$2,112,000	5,477
Salaries and employee benefits	$1,110,000	5,452
Premises and equipment expense	$365,000	4,829
Additional noninterest expense	$637,000	5,600
Pre-tax net operating income	$823,000	5,848
Securities gains (losses)	$-44,000	9,765
Applicable income taxes	$393,000	4,220
Income before extraordinary items	$386,000	7,062
Extraordinary gains, net	$0	35
Net income	$386,000	7,062
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$234,000	2,166
Cash dividends	$1,589,000	1,615
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$414,160	6,886
1998-12-31 (YTD Data)		Rank
Total interest income	$4,648,000	5,952
Total interest expense	$2,029,000	6,143
Net interest income	$2,619,000	5,668
Provision for loan and lease losses	$218,000	3,346
Total noninterest income	$424,000	5,429
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$255,000	4,422
Trading account gains and fees	NA	NA
Additional Noninterest Income	$169,000	5,382
Total noninterest expense	$2,087,000	5,434
Salaries and employee benefits	$1,112,000	5,360
Premises and equipment expense	$355,000	4,829
Additional noninterest expense	$620,000	5,623
Pre-tax net operating income	$738,000	6,343
Securities gains (losses)	$49,000	1,746
Applicable income taxes	$228,000	5,854
Income before extraordinary items	$559,000	6,276
Extraordinary gains, net	$0	32
Net income	$559,000	6,275
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$150,000	2,917
Cash dividends	$414,000	3,909
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$524,210	6,355
1997-12-31 (YTD Data)		Rank
Total interest income	$4,444,000	6,281
Total interest expense	$1,945,000	6,373
Net interest income	$2,499,000	6,057
Provision for loan and lease losses	$177,000	3,785
Total noninterest income	$277,000	6,927
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$224,000	4,994
Trading account gains and fees	NA	NA
Additional Noninterest Income	$53,000	8,302
Total noninterest expense	$1,939,000	5,770
Salaries and employee benefits	$1,040,000	5,714
Premises and equipment expense	$341,000	4,999
Additional noninterest expense	$558,000	6,062
Pre-tax net operating income	$660,000	7,163
Securities gains (losses)	$2,000	3,292
Applicable income taxes	$186,000	7,090
Income before extraordinary items	$476,000	7,124
Extraordinary gains, net	$0	44
Net income	$476,000	7,126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	4,041
Cash dividends	$220,000	5,194
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$474,560	7,091
1996-12-31 (YTD Data)		Rank
Total interest income	$4,155,000	6,714
Total interest expense	$1,919,000	6,588
Net interest income	$2,236,000	6,693
Provision for loan and lease losses	$92,000	5,306
Total noninterest income	$250,000	7,576
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$185,000	5,834
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	8,279
Total noninterest expense	$1,795,000	6,401
Salaries and employee benefits	$931,000	6,308
Premises and equipment expense	$310,000	5,456
Additional noninterest expense	$554,000	6,651
Pre-tax net operating income	$599,000	7,429
Securities gains (losses)	$15,000	2,201
Applicable income taxes	$128,000	8,253
Income before extraordinary items	$486,000	6,998
Extraordinary gains, net	$0	53
Net income	$486,000	7,001
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,429
Cash dividends	$369,000	4,087
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$474,150	7,022
1995-12-31 (YTD Data)		Rank
Total interest income	$3,900,000	7,110
Total interest expense	$1,671,000	7,217
Net interest income	$2,229,000	6,816
Provision for loan and lease losses	$68,000	5,482
Total noninterest income	$252,000	7,676
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$178,000	6,102
Trading account gains and fees	NA	NA
Additional Noninterest Income	$74,000	8,198
Total noninterest expense	$1,619,000	6,927
Salaries and employee benefits	$871,000	6,701
Premises and equipment expense	$223,000	6,784
Additional noninterest expense	$525,000	7,075
Pre-tax net operating income	$794,000	6,854
Securities gains (losses)	$34,000	1,546
Applicable income taxes	$240,000	6,788
Income before extraordinary items	$588,000	6,680
Extraordinary gains, net	$0	65
Net income	$588,000	6,678
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,576
Cash dividends	$225,000	5,195
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$563,860	6,808
1994-12-31 (YTD Data)		Rank
Total interest income	$3,565,000	7,242
Total interest expense	$1,336,000	7,437
Net interest income	$2,229,000	7,019
Provision for loan and lease losses	$18,000	7,907
Total noninterest income	$203,000	8,684
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$150,000	6,885
Trading account gains and fees	NA	NA
Additional Noninterest Income	$53,000	9,460
Total noninterest expense	$1,658,000	7,102
Salaries and employee benefits	$857,000	6,892
Premises and equipment expense	$230,000	6,858
Additional noninterest expense	$571,000	7,251
Pre-tax net operating income	$756,000	7,100
Securities gains (losses)	$25,000	1,598
Applicable income taxes	$227,000	6,901
Income before extraordinary items	$554,000	6,874
Extraordinary gains, net	$0	249
Net income	$554,000	6,887
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,622
Cash dividends	$504,000	3,150
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$536,250	7,075
1993-12-31 (YTD Data)		Rank
Total interest income	$3,598,000	7,396
Total interest expense	$1,306,000	7,854
Net interest income	$2,292,000	6,942
Provision for loan and lease losses	$24,000	8,778
Total noninterest income	$225,000	8,774
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$151,000	7,067
Trading account gains and fees	NA	NA
Additional Noninterest Income	$74,000	8,889
Total noninterest expense	$1,684,000	7,238
Salaries and employee benefits	$866,000	6,920
Premises and equipment expense	$256,000	6,582
Additional noninterest expense	$562,000	7,668
Pre-tax net operating income	$809,000	6,761
Securities gains (losses)	$16,000	4,943
Applicable income taxes	$221,000	7,240
Income before extraordinary items	$604,000	6,746
Extraordinary gains, net	$53,000	2,118
Net income	$657,000	6,543
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	11,621
Cash dividends	$181,000	5,672
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$592,320	6,596
1992-12-31 (YTD Data)		Rank
Total interest income	$3,686,000	7,930
Total interest expense	$1,490,000	8,539
Net interest income	$2,196,000	7,256
Provision for loan and lease losses	$109,000	7,062
Total noninterest income	$199,000	9,438
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$151,000	7,077
Trading account gains and fees	NA	NA
Additional Noninterest Income	$48,000	10,527
Total noninterest expense	$1,557,000	7,715
Salaries and employee benefits	$782,000	7,381
Premises and equipment expense	$237,000	7,033
Additional noninterest expense	$538,000	8,106
Pre-tax net operating income	$729,000	6,944
Securities gains (losses)	$41,000	4,460
Applicable income taxes	$203,000	7,497
Income before extraordinary items	$567,000	6,799
Extraordinary gains, net	$0	1,422
Net income	$567,000	6,887
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	9,510
Cash dividends	$130,000	6,040
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$536,660	6,656

* 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.