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Cattaraugus County Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$17,743,000	2,048
Total interest expense	$3,681,000	2,381
Net interest income	$14,062,000	1,906
Provision for loan and lease losses	$945,000	867
Total noninterest income	$1,859,000	2,095
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$440,000	1,791
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,419,000	1,938
Total noninterest expense	$10,773,000	1,951
Salaries and employee benefits	$5,948,000	1,979
Premises and equipment expense	$1,287,000	1,717
Additional noninterest expense	$1,419,000	1,938
Pre-tax net operating income	$4,203,000	2,117
Securities gains (losses)	$0	988
Applicable income taxes	$729,000	1,645
Income before extraordinary items	$3,474,000	2,158
Extraordinary gains, net	$0	54
Net income	$3,474,000	2,182
Minority interest net income	$0	88
Net income of bank and minority interests.	$3,474,000	2,161
Net charge-offs	$168,000	1,253
Cash dividends	$523,000	2,708
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$3,474,000	2,182
2023-09-30 (YTD Data)		Rank
Total interest income	$12,749,000	2,067
Total interest expense	$2,365,000	2,449
Net interest income	$10,384,000	1,940
Provision for loan and lease losses	$180,000	1,734
Total noninterest income	$1,451,000	2,053
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$332,000	1,791
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,119,000	1,883
Total noninterest expense	$8,033,000	1,958
Salaries and employee benefits	$4,518,000	1,955
Premises and equipment expense	$981,000	1,704
Additional noninterest expense	$1,119,000	1,883
Pre-tax net operating income	$3,622,000	2,010
Securities gains (losses)	$0	849
Applicable income taxes	$668,000	1,561
Income before extraordinary items	$2,954,000	2,073
Extraordinary gains, net	$0	52
Net income	$2,954,000	2,094
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,954,000	2,074
Net charge-offs	$231,000	828
Cash dividends	$284,000	2,602
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$2,954,000	2,100
2023-06-30 (YTD Data)		Rank
Total interest income	$8,315,000	2,074
Total interest expense	$1,433,000	2,404
Net interest income	$6,882,000	1,965
Provision for loan and lease losses	$105,000	1,785
Total noninterest income	$1,049,000	1,898
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$227,000	1,746
Trading account gains and fees	NA	NA
Additional Noninterest Income	$822,000	1,724
Total noninterest expense	$5,278,000	1,971
Salaries and employee benefits	$2,988,000	1,962
Premises and equipment expense	$703,000	1,613
Additional noninterest expense	$822,000	1,722
Pre-tax net operating income	$2,548,000	1,938
Securities gains (losses)	$0	938
Applicable income taxes	$458,000	1,554
Income before extraordinary items	$2,090,000	2,012
Extraordinary gains, net	$0	51
Net income	$2,090,000	2,036
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,090,000	2,012
Net charge-offs	$244,000	614
Cash dividends	$149,000	2,644
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,090,000	2,021
2023-03-31 (YTD Data)		Rank
Total interest income	$4,053,000	2,082
Total interest expense	$610,000	2,405
Net interest income	$3,443,000	1,973
Provision for loan and lease losses	$70,000	1,505
Total noninterest income	$423,000	2,137
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$118,000	1,716
Trading account gains and fees	NA	NA
Additional Noninterest Income	$305,000	1,989
Total noninterest expense	$2,655,000	1,979
Salaries and employee benefits	$1,398,000	2,077
Premises and equipment expense	$357,000	1,620
Additional noninterest expense	$305,000	1,989
Pre-tax net operating income	$1,141,000	2,143
Securities gains (losses)	$0	950
Applicable income taxes	$222,000	1,603
Income before extraordinary items	$919,000	2,210
Extraordinary gains, net	$0	4
Net income	$919,000	2,210
Minority interest net income	$0	48
Net income of bank and minority interests.	$919,000	2,210
Net charge-offs	$-18,000	4,211
Cash dividends	$60,000	2,186
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$919,000	2,228
2022-12-31 (YTD Data)		Rank
Total interest income	$12,631,000	2,193
Total interest expense	$723,000	2,816
Net interest income	$11,908,000	2,114
Provision for loan and lease losses	$-250,000	4,457
Total noninterest income	$1,728,000	2,193
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$497,000	1,685
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,231,000	2,111
Total noninterest expense	$10,484,000	1,949
Salaries and employee benefits	$5,502,000	2,051
Premises and equipment expense	$1,273,000	1,731
Additional noninterest expense	$1,231,000	2,111
Pre-tax net operating income	$3,402,000	2,500
Securities gains (losses)	$-200,000	4,108
Applicable income taxes	$556,000	1,951
Income before extraordinary items	$2,646,000	2,607
Extraordinary gains, net	$0	5
Net income	$2,646,000	2,604
Minority interest net income	$0	63
Net income of bank and minority interests.	$2,646,000	2,606
Net charge-offs	$247,000	837
Cash dividends	$374,000	2,892
Sale, conversion, retirement of capital stock, net	$-560,000	4,682
Net operating income	$2,812,000	2,567
2022-09-30 (YTD Data)		Rank
Total interest income	$8,868,000	2,234
Total interest expense	$290,000	3,339
Net interest income	$8,578,000	2,150
Provision for loan and lease losses	$-250,000	4,521
Total noninterest income	$1,302,000	2,227
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$376,000	1,693
Trading account gains and fees	NA	NA
Additional Noninterest Income	$926,000	2,136
Total noninterest expense	$7,762,000	1,957
Salaries and employee benefits	$4,127,000	2,050
Premises and equipment expense	$1,006,000	1,681
Additional noninterest expense	$926,000	2,136
Pre-tax net operating income	$2,368,000	2,592
Securities gains (losses)	$-199,000	4,358
Applicable income taxes	$359,000	2,064
Income before extraordinary items	$1,810,000	2,712
Extraordinary gains, net	$0	4
Net income	$1,810,000	2,710
Minority interest net income	$0	57
Net income of bank and minority interests.	$1,810,000	2,711
Net charge-offs	$230,000	653
Cash dividends	$137,000	2,844
Sale, conversion, retirement of capital stock, net	$-560,000	4,721
Net operating income	$1,975,170	2,633
2022-06-30 (YTD Data)		Rank
Total interest income	$5,532,000	2,286
Total interest expense	$166,000	3,429
Net interest income	$5,366,000	2,216
Provision for loan and lease losses	$-250,000	4,540
Total noninterest income	$853,000	2,235
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$236,000	1,748
Trading account gains and fees	NA	NA
Additional Noninterest Income	$617,000	2,166
Total noninterest expense	$4,931,000	2,009
Salaries and employee benefits	$2,604,000	2,120
Premises and equipment expense	$657,000	1,715
Additional noninterest expense	$1,670,000	1,838
Pre-tax net operating income	$1,538,000	2,535
Securities gains (losses)	$-209,000	4,471
Applicable income taxes	$225,000	2,029
Income before extraordinary items	$1,104,000	2,714
Extraordinary gains, net	$0	4
Net income	$1,104,000	2,712
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,104,000	2,714
Net charge-offs	$8,000	1,644
Cash dividends	$77,000	2,796
Sale, conversion, retirement of capital stock, net	$-560,000	4,746
Net operating income	$1,277,470	2,585
2022-03-31 (YTD Data)		Rank
Total interest income	$2,620,000	2,340
Total interest expense	$85,000	3,390
Net interest income	$2,535,000	2,248
Provision for loan and lease losses	$0	2,285
Total noninterest income	$394,000	2,296
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$104,000	1,889
Trading account gains and fees	NA	NA
Additional Noninterest Income	$290,000	2,223
Total noninterest expense	$2,381,000	2,043
Salaries and employee benefits	$1,264,000	2,164
Premises and equipment expense	$371,000	1,581
Additional noninterest expense	$746,000	1,993
Pre-tax net operating income	$548,000	2,813
Securities gains (losses)	$-209,000	4,608
Applicable income taxes	$70,000	2,300
Income before extraordinary items	$269,000	3,377
Extraordinary gains, net	$0	4
Net income	$269,000	3,375
Minority interest net income	$0	50
Net income of bank and minority interests.	$269,000	3,377
Net charge-offs	$2,000	1,559
Cash dividends	$36,000	2,189
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$434,110	2,918
2021-12-31 (YTD Data)		Rank
Total interest income	$10,369,000	2,416
Total interest expense	$836,000	2,470
Net interest income	$9,533,000	2,397
Provision for loan and lease losses	$-180,000	4,298
Total noninterest income	$1,837,000	2,325
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$397,000	1,872
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,440,000	2,258
Total noninterest expense	$9,820,000	2,000
Salaries and employee benefits	$4,949,000	2,188
Premises and equipment expense	$1,181,000	1,838
Additional noninterest expense	$3,690,000	1,681
Pre-tax net operating income	$1,730,000	3,328
Securities gains (losses)	$-319,000	4,758
Applicable income taxes	$297,000	2,477
Income before extraordinary items	$1,114,000	3,650
Extraordinary gains, net	$0	10
Net income	$1,114,000	3,650
Minority interest net income	$0	74
Net income of bank and minority interests.	$1,114,000	3,650
Net charge-offs	$-32,000	3,976
Cash dividends	$229,000	3,231
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$1,366,010	3,418
2021-09-30 (YTD Data)		Rank
Total interest income	$7,827,000	2,459
Total interest expense	$709,000	2,390
Net interest income	$7,118,000	2,445
Provision for loan and lease losses	$-180,000	4,432
Total noninterest income	$1,376,000	2,371
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$286,000	1,921
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,090,000	2,291
Total noninterest expense	$7,327,000	2,016
Salaries and employee benefits	$3,738,000	2,186
Premises and equipment expense	$880,000	1,876
Additional noninterest expense	$2,709,000	1,713
Pre-tax net operating income	$1,347,000	3,383
Securities gains (losses)	$-139,000	4,823
Applicable income taxes	$235,000	2,472
Income before extraordinary items	$973,000	3,641
Extraordinary gains, net	$0	8
Net income	$973,000	3,641
Minority interest net income	$0	69
Net income of bank and minority interests.	$973,000	3,641
Net charge-offs	$-35,000	4,080
Cash dividends	$122,000	3,003
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$1,085,590	3,480
2021-06-30 (YTD Data)		Rank
Total interest income	$5,175,000	2,462
Total interest expense	$504,000	2,365
Net interest income	$4,671,000	2,455
Provision for loan and lease losses	$-180,000	4,530
Total noninterest income	$924,000	2,321
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$183,000	1,916
Trading account gains and fees	NA	NA
Additional Noninterest Income	$741,000	2,237
Total noninterest expense	$4,792,000	2,042
Salaries and employee benefits	$2,491,000	2,179
Premises and equipment expense	$631,000	1,780
Additional noninterest expense	$1,670,000	1,799
Pre-tax net operating income	$983,000	3,276
Securities gains (losses)	$-65,000	4,833
Applicable income taxes	$177,000	2,381
Income before extraordinary items	$741,000	3,488
Extraordinary gains, net	$0	6
Net income	$741,000	3,487
Minority interest net income	$0	67
Net income of bank and minority interests.	$741,000	3,488
Net charge-offs	$-112,000	4,617
Cash dividends	$36,000	3,026
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$793,650	3,379
2021-03-31 (YTD Data)		Rank
Total interest income	$2,439,000	2,543
Total interest expense	$260,000	2,388
Net interest income	$2,179,000	2,532
Provision for loan and lease losses	$-180,000	4,695
Total noninterest income	$430,000	2,404
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$84,000	2,012
Trading account gains and fees	NA	NA
Additional Noninterest Income	$346,000	2,300
Total noninterest expense	$2,297,000	2,077
Salaries and employee benefits	$1,223,000	2,195
Premises and equipment expense	$294,000	1,869
Additional noninterest expense	$780,000	1,871
Pre-tax net operating income	$492,000	3,257
Securities gains (losses)	$-102,000	4,882
Applicable income taxes	$93,000	2,325
Income before extraordinary items	$297,000	3,698
Extraordinary gains, net	$0	3
Net income	$297,000	3,698
Minority interest net income	$0	55
Net income of bank and minority interests.	$297,000	3,698
Net charge-offs	$-8,000	3,977
Cash dividends	$36,000	2,332
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$377,580	3,419
2020-12-31 (YTD Data)		Rank
Total interest income	$10,861,000	2,391
Total interest expense	$1,301,000	2,583
Net interest income	$9,560,000	2,331
Provision for loan and lease losses	$565,000	2,118
Total noninterest income	$1,743,000	2,277
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$369,000	1,988
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,374,000	2,151
Total noninterest expense	$8,819,000	2,128
Salaries and employee benefits	$4,497,000	2,293
Premises and equipment expense	$1,050,000	1,973
Additional noninterest expense	$3,272,000	1,797
Pre-tax net operating income	$1,919,000	2,988
Securities gains (losses)	$125,000	1,275
Applicable income taxes	$390,000	2,114
Income before extraordinary items	$1,654,000	3,077
Extraordinary gains, net	$0	4
Net income	$1,654,000	3,076
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,654,000	3,077
Net charge-offs	$-392,000	4,939
Cash dividends	$218,000	3,357
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$1,552,750	3,094
2020-09-30 (YTD Data)		Rank
Total interest income	$7,993,000	2,436
Total interest expense	$1,010,000	2,617
Net interest income	$6,983,000	2,361
Provision for loan and lease losses	$615,000	1,795
Total noninterest income	$1,233,000	2,293
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$273,000	2,005
Trading account gains and fees	NA	NA
Additional Noninterest Income	$960,000	2,191
Total noninterest expense	$6,774,000	2,075
Salaries and employee benefits	$3,543,000	2,215
Premises and equipment expense	$785,000	1,967
Additional noninterest expense	$2,446,000	1,769
Pre-tax net operating income	$827,000	3,640
Securities gains (losses)	$125,000	1,120
Applicable income taxes	$183,000	2,442
Income before extraordinary items	$769,000	3,639
Extraordinary gains, net	$0	4
Net income	$769,000	3,638
Minority interest net income	$0	65
Net income of bank and minority interests.	$769,000	3,639
Net charge-offs	$-30,000	4,539
Cash dividends	$106,000	3,147
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$667,750	3,730
2020-06-30 (YTD Data)		Rank
Total interest income	$5,291,000	2,471
Total interest expense	$711,000	2,633
Net interest income	$4,580,000	2,411
Provision for loan and lease losses	$330,000	1,945
Total noninterest income	$766,000	2,326
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$186,000	2,000
Trading account gains and fees	NA	NA
Additional Noninterest Income	$580,000	2,235
Total noninterest expense	$4,544,000	2,069
Salaries and employee benefits	$2,375,000	2,199
Premises and equipment expense	$524,000	1,961
Additional noninterest expense	$1,645,000	1,754
Pre-tax net operating income	$472,000	3,767
Securities gains (losses)	$125,000	903
Applicable income taxes	$113,000	2,452
Income before extraordinary items	$484,000	3,690
Extraordinary gains, net	$0	4
Net income	$484,000	3,690
Minority interest net income	$0	65
Net income of bank and minority interests.	$484,000	3,690
Net charge-offs	$87,000	1,432
Cash dividends	$87,000	3,016
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$382,750	3,846
2020-03-31 (YTD Data)		Rank
Total interest income	$2,745,000	2,413
Total interest expense	$388,000	2,652
Net interest income	$2,357,000	2,319
Provision for loan and lease losses	$75,000	2,175
Total noninterest income	$382,000	2,233
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$113,000	1,995
Trading account gains and fees	NA	NA
Additional Noninterest Income	$269,000	2,117
Total noninterest expense	$2,337,000	2,043
Salaries and employee benefits	$1,192,000	2,215
Premises and equipment expense	$278,000	1,903
Additional noninterest expense	$867,000	1,705
Pre-tax net operating income	$327,000	3,311
Securities gains (losses)	$0	1,705
Applicable income taxes	$63,000	2,251
Income before extraordinary items	$264,000	3,424
Extraordinary gains, net	$0	4
Net income	$264,000	3,425
Minority interest net income	$0	56
Net income of bank and minority interests.	$264,000	3,425
Net charge-offs	$25,000	1,502
Cash dividends	$68,000	2,428
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$264,000	3,412
2019-12-31 (YTD Data)		Rank
Total interest income	$11,347,000	2,383
Total interest expense	$1,640,000	2,633
Net interest income	$9,707,000	2,290
Provision for loan and lease losses	$350,000	1,813
Total noninterest income	$1,762,000	2,113
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$525,000	1,852
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,237,000	2,013
Total noninterest expense	$8,850,000	2,100
Salaries and employee benefits	$4,532,000	2,242
Premises and equipment expense	$986,000	2,059
Additional noninterest expense	$3,332,000	1,747
Pre-tax net operating income	$2,269,000	2,873
Securities gains (losses)	$0	2,379
Applicable income taxes	$432,000	2,104
Income before extraordinary items	$1,837,000	3,014
Extraordinary gains, net	$0	11
Net income	$1,837,000	3,013
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,837,000	3,015
Net charge-offs	$598,000	929
Cash dividends	$309,000	3,309
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,837,000	2,980
2019-09-30 (YTD Data)		Rank
Total interest income	$8,543,000	2,401
Total interest expense	$1,233,000	2,656
Net interest income	$7,310,000	2,317
Provision for loan and lease losses	$320,000	1,539
Total noninterest income	$1,312,000	2,120
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$389,000	1,875
Trading account gains and fees	NA	NA
Additional Noninterest Income	$923,000	2,018
Total noninterest expense	$6,491,000	2,132
Salaries and employee benefits	$3,358,000	2,270
Premises and equipment expense	$734,000	2,082
Additional noninterest expense	$2,399,000	1,805
Pre-tax net operating income	$1,811,000	2,874
Securities gains (losses)	$0	2,167
Applicable income taxes	$345,000	2,115
Income before extraordinary items	$1,466,000	2,990
Extraordinary gains, net	$0	11
Net income	$1,466,000	2,991
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,466,000	2,991
Net charge-offs	$598,000	679
Cash dividends	$206,000	3,093
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,466,000	2,961
2019-06-30 (YTD Data)		Rank
Total interest income	$5,681,000	2,407
Total interest expense	$813,000	2,649
Net interest income	$4,868,000	2,324
Provision for loan and lease losses	$200,000	1,556
Total noninterest income	$873,000	2,115
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$261,000	1,844
Trading account gains and fees	NA	NA
Additional Noninterest Income	$612,000	1,983
Total noninterest expense	$4,282,000	2,159
Salaries and employee benefits	$2,173,000	2,326
Premises and equipment expense	$506,000	2,047
Additional noninterest expense	$1,603,000	1,829
Pre-tax net operating income	$1,259,000	2,776
Securities gains (losses)	$0	1,702
Applicable income taxes	$241,000	2,058
Income before extraordinary items	$1,018,000	2,924
Extraordinary gains, net	$0	11
Net income	$1,018,000	2,923
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,018,000	2,923
Net charge-offs	$503,000	567
Cash dividends	$134,000	3,060
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,018,000	2,900
2019-03-31 (YTD Data)		Rank
Total interest income	$2,814,000	2,420
Total interest expense	$397,000	2,652
Net interest income	$2,417,000	2,337
Provision for loan and lease losses	$60,000	1,874
Total noninterest income	$409,000	2,140
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$130,000	1,839
Trading account gains and fees	NA	NA
Additional Noninterest Income	$279,000	2,037
Total noninterest expense	$2,073,000	2,210
Salaries and employee benefits	$1,057,000	2,389
Premises and equipment expense	$256,000	2,051
Additional noninterest expense	$760,000	1,896
Pre-tax net operating income	$693,000	2,590
Securities gains (losses)	$0	1,087
Applicable income taxes	$132,000	1,932
Income before extraordinary items	$561,000	2,726
Extraordinary gains, net	$0	5
Net income	$561,000	2,725
Minority interest net income	$0	52
Net income of bank and minority interests.	$561,000	2,725
Net charge-offs	$500,000	325
Cash dividends	$66,000	2,560
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$561,000	2,711
2018-12-31 (YTD Data)		Rank
Total interest income	$10,394,000	2,463
Total interest expense	$1,105,000	2,783
Net interest income	$9,289,000	2,382
Provision for loan and lease losses	$225,000	2,260
Total noninterest income	$1,818,000	2,096
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$613,000	1,713
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,205,000	2,034
Total noninterest expense	$8,433,000	2,165
Salaries and employee benefits	$4,262,000	2,354
Premises and equipment expense	$1,036,000	1,999
Additional noninterest expense	$3,135,000	1,842
Pre-tax net operating income	$2,449,000	2,817
Securities gains (losses)	$0	1,125
Applicable income taxes	$528,000	1,933
Income before extraordinary items	$1,921,000	2,990
Extraordinary gains, net	$0	6
Net income	$1,921,000	2,989
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,921,000	2,989
Net charge-offs	$84,000	2,271
Cash dividends	$290,000	3,399
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,921,000	2,991
2018-09-30 (YTD Data)		Rank
Total interest income	$7,647,000	2,490
Total interest expense	$738,000	2,878
Net interest income	$6,909,000	2,406
Provision for loan and lease losses	$225,000	1,851
Total noninterest income	$1,381,000	2,089
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$463,000	1,721
Trading account gains and fees	NA	NA
Additional Noninterest Income	$918,000	2,034
Total noninterest expense	$6,325,000	2,162
Salaries and employee benefits	$3,188,000	2,359
Premises and equipment expense	$798,000	1,972
Additional noninterest expense	$2,339,000	1,849
Pre-tax net operating income	$1,740,000	2,965
Securities gains (losses)	$0	1,118
Applicable income taxes	$376,000	2,032
Income before extraordinary items	$1,364,000	3,127
Extraordinary gains, net	$0	5
Net income	$1,364,000	3,125
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,364,000	3,126
Net charge-offs	$22,000	2,660
Cash dividends	$188,000	3,133
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,364,000	3,117
2018-06-30 (YTD Data)		Rank
Total interest income	$4,992,000	2,509
Total interest expense	$448,000	2,957
Net interest income	$4,544,000	2,427
Provision for loan and lease losses	$150,000	1,766
Total noninterest income	$934,000	2,086
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$317,000	1,661
Trading account gains and fees	NA	NA
Additional Noninterest Income	$617,000	2,031
Total noninterest expense	$4,212,000	2,171
Salaries and employee benefits	$2,107,000	2,388
Premises and equipment expense	$550,000	1,940
Additional noninterest expense	$1,555,000	1,857
Pre-tax net operating income	$1,116,000	2,997
Securities gains (losses)	$0	961
Applicable income taxes	$236,000	2,069
Income before extraordinary items	$880,000	3,153
Extraordinary gains, net	$0	6
Net income	$880,000	3,151
Minority interest net income	$0	65
Net income of bank and minority interests.	$880,000	3,152
Net charge-offs	$26,000	2,109
Cash dividends	$120,000	3,094
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$880,000	3,141
2018-03-31 (YTD Data)		Rank
Total interest income	$2,410,000	2,564
Total interest expense	$203,000	3,056
Net interest income	$2,207,000	2,481
Provision for loan and lease losses	$75,000	1,680
Total noninterest income	$434,000	2,151
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$153,000	1,721
Trading account gains and fees	NA	NA
Additional Noninterest Income	$281,000	2,098
Total noninterest expense	$2,044,000	2,239
Salaries and employee benefits	$1,050,000	2,418
Premises and equipment expense	$323,000	1,753
Additional noninterest expense	$671,000	2,103
Pre-tax net operating income	$522,000	3,038
Securities gains (losses)	$0	735
Applicable income taxes	$78,000	2,366
Income before extraordinary items	$444,000	3,086
Extraordinary gains, net	$0	7
Net income	$444,000	3,086
Minority interest net income	$0	52
Net income of bank and minority interests.	$444,000	3,086
Net charge-offs	$-3,000	4,242
Cash dividends	$59,000	2,521
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$444,000	3,084
2017-12-31 (YTD Data)		Rank
Total interest income	$9,395,000	2,568
Total interest expense	$829,000	2,872
Net interest income	$8,566,000	2,512
Provision for loan and lease losses	$300,000	1,956
Total noninterest income	$1,741,000	2,210
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$613,000	1,740
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,128,000	2,144
Total noninterest expense	$7,839,000	2,315
Salaries and employee benefits	$4,081,000	2,440
Premises and equipment expense	$1,057,000	2,026
Additional noninterest expense	$2,701,000	2,121
Pre-tax net operating income	$2,168,000	2,990
Securities gains (losses)	$0	2,243
Applicable income taxes	$467,000	2,466
Income before extraordinary items	$1,701,000	2,947
Extraordinary gains, net	$0	9
Net income	$1,701,000	2,946
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,701,000	2,947
Net charge-offs	$91,000	2,520
Cash dividends	$272,000	3,472
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,701,000	2,925
2017-09-30 (YTD Data)		Rank
Total interest income	$7,007,000	2,586
Total interest expense	$608,000	2,898
Net interest income	$6,399,000	2,532
Provision for loan and lease losses	$225,000	1,898
Total noninterest income	$1,285,000	2,255
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$438,000	1,827
Trading account gains and fees	NA	NA
Additional Noninterest Income	$847,000	2,166
Total noninterest expense	$5,794,000	2,341
Salaries and employee benefits	$3,043,000	2,455
Premises and equipment expense	$781,000	2,049
Additional noninterest expense	$1,970,000	2,153
Pre-tax net operating income	$1,665,000	2,991
Securities gains (losses)	$0	2,274
Applicable income taxes	$359,000	2,345
Income before extraordinary items	$1,306,000	3,076
Extraordinary gains, net	$0	9
Net income	$1,306,000	3,075
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,306,000	3,076
Net charge-offs	$-21,000	4,937
Cash dividends	$171,000	3,205
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,306,000	3,049
2017-06-30 (YTD Data)		Rank
Total interest income	$4,625,000	2,596
Total interest expense	$398,000	2,893
Net interest income	$4,227,000	2,534
Provision for loan and lease losses	$150,000	1,808
Total noninterest income	$867,000	2,240
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$290,000	1,825
Trading account gains and fees	$0	139
Additional Noninterest Income	$577,000	2,151
Total noninterest expense	$3,867,000	2,339
Salaries and employee benefits	$2,025,000	2,466
Premises and equipment expense	$516,000	2,074
Additional noninterest expense	$1,326,000	2,129
Pre-tax net operating income	$1,077,000	3,010
Securities gains (losses)	$0	1,906
Applicable income taxes	$231,000	2,360
Income before extraordinary items	$846,000	3,085
Extraordinary gains, net	$0	11
Net income	$846,000	3,084
Minority interest net income	$0	71
Net income of bank and minority interests.	$846,000	3,085
Net charge-offs	$-20,000	5,019
Cash dividends	$107,000	3,165
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$846,000	3,067
2017-03-31 (YTD Data)		Rank
Total interest income	$2,309,000	2,592
Total interest expense	$195,000	2,901
Net interest income	$2,114,000	2,526
Provision for loan and lease losses	$75,000	1,685
Total noninterest income	$426,000	2,248
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$141,000	1,850
Trading account gains and fees	NA	NA
Additional Noninterest Income	$285,000	2,163
Total noninterest expense	$1,943,000	2,350
Salaries and employee benefits	$1,014,000	2,498
Premises and equipment expense	$261,000	2,076
Additional noninterest expense	$668,000	2,114
Pre-tax net operating income	$522,000	3,018
Securities gains (losses)	$0	1,153
Applicable income taxes	$113,000	2,346
Income before extraordinary items	$409,000	3,100
Extraordinary gains, net	$0	8
Net income	$409,000	3,099
Minority interest net income	$0	55
Net income of bank and minority interests.	$409,000	3,100
Net charge-offs	$-23,000	5,304
Cash dividends	$58,000	2,583
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$409,000	3,081
2016-12-31 (YTD Data)		Rank
Total interest income	$8,616,000	2,705
Total interest expense	$739,000	2,934
Net interest income	$7,877,000	2,653
Provision for loan and lease losses	$340,000	1,873
Total noninterest income	$1,806,000	2,241
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$602,000	1,797
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,204,000	2,179
Total noninterest expense	$7,439,000	2,432
Salaries and employee benefits	$3,763,000	2,610
Premises and equipment expense	$1,035,000	2,091
Additional noninterest expense	$2,641,000	2,198
Pre-tax net operating income	$1,904,000	3,143
Securities gains (losses)	$-1,000	5,500
Applicable income taxes	$432,000	2,376
Income before extraordinary items	$1,471,000	3,309
Extraordinary gains, net	$0	5
Net income	$1,471,000	3,308
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,471,000	3,308
Net charge-offs	$-141,000	5,596
Cash dividends	$262,000	3,519
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,471,770	3,261
2016-09-30 (YTD Data)		Rank
Total interest income	$6,369,000	2,738
Total interest expense	$540,000	2,993
Net interest income	$5,829,000	2,688
Provision for loan and lease losses	$240,000	1,855
Total noninterest income	$1,334,000	2,258
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$454,000	1,795
Trading account gains and fees	$0	169
Additional Noninterest Income	$880,000	2,195
Total noninterest expense	$5,511,000	2,457
Salaries and employee benefits	$2,782,000	2,631
Premises and equipment expense	$772,000	2,107
Additional noninterest expense	$1,957,000	2,220
Pre-tax net operating income	$1,412,000	3,195
Securities gains (losses)	$-1,000	5,663
Applicable income taxes	$346,000	2,375
Income before extraordinary items	$1,065,000	3,397
Extraordinary gains, net	$0	5
Net income	$1,065,000	3,395
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,065,000	3,397
Net charge-offs	$-148,000	5,673
Cash dividends	$166,000	3,256
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,065,750	3,338
2016-06-30 (YTD Data)		Rank
Total interest income	$4,180,000	2,782
Total interest expense	$353,000	3,043
Net interest income	$3,827,000	2,718
Provision for loan and lease losses	$165,000	1,814
Total noninterest income	$874,000	2,262
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$302,000	1,791
Trading account gains and fees	$0	157
Additional Noninterest Income	$572,000	2,207
Total noninterest expense	$3,610,000	2,501
Salaries and employee benefits	$1,827,000	2,682
Premises and equipment expense	$509,000	2,125
Additional noninterest expense	$1,274,000	2,280
Pre-tax net operating income	$926,000	3,221
Securities gains (losses)	$0	2,835
Applicable income taxes	$207,000	2,472
Income before extraordinary items	$719,000	3,369
Extraordinary gains, net	$0	16
Net income	$719,000	3,366
Minority interest net income	$0	71
Net income of bank and minority interests.	$719,000	3,367
Net charge-offs	$50,000	2,141
Cash dividends	$104,000	3,226
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$719,000	3,316
2016-03-31 (YTD Data)		Rank
Total interest income	$2,074,000	2,796
Total interest expense	$173,000	3,084
Net interest income	$1,901,000	2,727
Provision for loan and lease losses	$90,000	1,597
Total noninterest income	$449,000	2,212
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$161,000	1,698
Trading account gains and fees	$0	142
Additional Noninterest Income	$288,000	2,134
Total noninterest expense	$1,798,000	2,520
Salaries and employee benefits	$921,000	2,663
Premises and equipment expense	$252,000	2,140
Additional noninterest expense	$625,000	2,312
Pre-tax net operating income	$462,000	3,163
Securities gains (losses)	$0	2,077
Applicable income taxes	$130,000	2,231
Income before extraordinary items	$332,000	3,460
Extraordinary gains, net	$0	12
Net income	$332,000	3,455
Minority interest net income	$0	62
Net income of bank and minority interests.	$332,000	3,457
Net charge-offs	$31,000	1,731
Cash dividends	$56,000	2,602
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$332,000	3,396
2015-12-31 (YTD Data)		Rank
Total interest income	$7,784,000	2,890
Total interest expense	$651,000	3,207
Net interest income	$7,133,000	2,819
Provision for loan and lease losses	$360,000	1,703
Total noninterest income	$1,795,000	2,247
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$639,000	1,761
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,156,000	2,192
Total noninterest expense	$7,134,000	2,530
Salaries and employee benefits	$3,562,000	2,707
Premises and equipment expense	$1,083,000	2,049
Additional noninterest expense	$2,489,000	2,349
Pre-tax net operating income	$1,434,000	3,564
Securities gains (losses)	$0	3,216
Applicable income taxes	$342,000	2,544
Income before extraordinary items	$1,092,000	3,782
Extraordinary gains, net	$0	23
Net income	$1,092,000	3,782
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,092,000	3,783
Net charge-offs	$10,000	4,011
Cash dividends	$242,000	3,572
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,092,000	3,731
2015-09-30 (YTD Data)		Rank
Total interest income	$5,772,000	2,930
Total interest expense	$486,000	3,260
Net interest income	$5,286,000	2,871
Provision for loan and lease losses	$270,000	1,610
Total noninterest income	$1,319,000	2,296
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$464,000	1,820
Trading account gains and fees	$0	153
Additional Noninterest Income	$855,000	2,225
Total noninterest expense	$5,317,000	2,554
Salaries and employee benefits	$2,665,000	2,714
Premises and equipment expense	$822,000	2,053
Additional noninterest expense	$1,830,000	2,387
Pre-tax net operating income	$1,018,000	3,712
Securities gains (losses)	$0	3,031
Applicable income taxes	$264,000	2,601
Income before extraordinary items	$754,000	3,988
Extraordinary gains, net	$0	21
Net income	$754,000	3,987
Minority interest net income	$0	78
Net income of bank and minority interests.	$754,000	3,989
Net charge-offs	$21,000	3,328
Cash dividends	$164,000	3,230
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$754,000	3,928
2015-06-30 (YTD Data)		Rank
Total interest income	$3,753,000	2,982
Total interest expense	$323,000	3,293
Net interest income	$3,430,000	2,921
Provision for loan and lease losses	$180,000	1,603
Total noninterest income	$868,000	2,318
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$299,000	1,839
Trading account gains and fees	$0	157
Additional Noninterest Income	$569,000	2,272
Total noninterest expense	$3,531,000	2,580
Salaries and employee benefits	$1,769,000	2,747
Premises and equipment expense	$561,000	2,024
Additional noninterest expense	$1,201,000	2,420
Pre-tax net operating income	$587,000	3,923
Securities gains (losses)	$0	2,636
Applicable income taxes	$123,000	2,875
Income before extraordinary items	$464,000	4,096
Extraordinary gains, net	$0	22
Net income	$464,000	4,096
Minority interest net income	$0	75
Net income of bank and minority interests.	$464,000	4,098
Net charge-offs	$6,000	3,419
Cash dividends	$102,000	3,200
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$464,000	4,029
2015-03-31 (YTD Data)		Rank
Total interest income	$1,847,000	3,028
Total interest expense	$160,000	3,352
Net interest income	$1,687,000	2,957
Provision for loan and lease losses	$90,000	1,532
Total noninterest income	$398,000	2,399
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$138,000	1,933
Trading account gains and fees	$0	152
Additional Noninterest Income	$260,000	2,298
Total noninterest expense	$1,771,000	2,583
Salaries and employee benefits	$897,000	2,734
Premises and equipment expense	$287,000	2,008
Additional noninterest expense	$587,000	2,460
Pre-tax net operating income	$224,000	4,287
Securities gains (losses)	$0	2,027
Applicable income taxes	$38,000	3,188
Income before extraordinary items	$186,000	4,387
Extraordinary gains, net	$0	13
Net income	$186,000	4,389
Minority interest net income	$0	64
Net income of bank and minority interests.	$186,000	4,390
Net charge-offs	$7,000	2,613
Cash dividends	$55,000	2,562
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$186,000	4,313
2014-12-31 (YTD Data)		Rank
Total interest income	$7,401,000	3,051
Total interest expense	$672,000	3,392
Net interest income	$6,729,000	2,981
Provision for loan and lease losses	$155,000	2,743
Total noninterest income	$1,719,000	2,327
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$647,000	1,846
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,072,000	2,239
Total noninterest expense	$7,206,000	2,556
Salaries and employee benefits	$3,783,000	2,617
Premises and equipment expense	$1,086,000	2,099
Additional noninterest expense	$2,337,000	2,548
Pre-tax net operating income	$1,087,000	3,999
Securities gains (losses)	$56,000	1,659
Applicable income taxes	$215,000	2,894
Income before extraordinary items	$928,000	4,091
Extraordinary gains, net	$0	17
Net income	$928,000	4,091
Minority interest net income	$0	84
Net income of bank and minority interests.	$928,000	4,092
Net charge-offs	$186,000	2,540
Cash dividends	$240,000	3,589
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$882,640	4,109
2014-09-30 (YTD Data)		Rank
Total interest income	$5,512,000	3,088
Total interest expense	$512,000	3,402
Net interest income	$5,000,000	3,015
Provision for loan and lease losses	$80,000	3,050
Total noninterest income	$1,272,000	2,351
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$479,000	1,869
Trading account gains and fees	$0	174
Additional Noninterest Income	$793,000	2,269
Total noninterest expense	$5,342,000	2,580
Salaries and employee benefits	$2,815,000	2,631
Premises and equipment expense	$819,000	2,101
Additional noninterest expense	$1,708,000	2,603
Pre-tax net operating income	$850,000	4,031
Securities gains (losses)	$0	2,980
Applicable income taxes	$160,000	2,987
Income before extraordinary items	$690,000	4,161
Extraordinary gains, net	$0	15
Net income	$690,000	4,161
Minority interest net income	$0	81
Net income of bank and minority interests.	$690,000	4,162
Net charge-offs	$187,000	2,069
Cash dividends	$163,000	3,204
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$690,000	4,105
2014-06-30 (YTD Data)		Rank
Total interest income	$3,601,000	3,139
Total interest expense	$345,000	3,423
Net interest income	$3,256,000	3,074
Provision for loan and lease losses	$15,000	3,758
Total noninterest income	$827,000	2,366
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$316,000	1,870
Trading account gains and fees	$0	172
Additional Noninterest Income	$511,000	2,281
Total noninterest expense	$3,538,000	2,601
Salaries and employee benefits	$1,867,000	2,655
Premises and equipment expense	$550,000	2,098
Additional noninterest expense	$1,121,000	2,634
Pre-tax net operating income	$530,000	4,076
Securities gains (losses)	$0	2,580
Applicable income taxes	$98,000	3,022
Income before extraordinary items	$432,000	4,193
Extraordinary gains, net	$0	20
Net income	$432,000	4,199
Minority interest net income	$0	80
Net income of bank and minority interests.	$432,000	4,198
Net charge-offs	$24,000	3,316
Cash dividends	$103,000	3,128
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$432,000	4,128
2014-03-31 (YTD Data)		Rank
Total interest income	$1,779,000	3,180
Total interest expense	$170,000	3,504
Net interest income	$1,609,000	3,103
Provision for loan and lease losses	$0	3,817
Total noninterest income	$407,000	2,340
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$159,000	1,853
Trading account gains and fees	$0	147
Additional Noninterest Income	$248,000	2,268
Total noninterest expense	$1,749,000	2,626
Salaries and employee benefits	$913,000	2,722
Premises and equipment expense	$281,000	2,114
Additional noninterest expense	$555,000	2,662
Pre-tax net operating income	$267,000	4,004
Securities gains (losses)	$0	1,715
Applicable income taxes	$51,000	2,929
Income before extraordinary items	$216,000	4,121
Extraordinary gains, net	$0	16
Net income	$216,000	4,121
Minority interest net income	$0	66
Net income of bank and minority interests.	$216,000	4,123
Net charge-offs	$7,000	2,989
Cash dividends	$55,000	2,515
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$216,000	4,071
2013-12-31 (YTD Data)		Rank
Total interest income	$7,134,000	3,201
Total interest expense	$706,000	3,730
Net interest income	$6,428,000	3,097
Provision for loan and lease losses	$25,000	4,614
Total noninterest income	$1,824,000	2,287
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$677,000	1,879
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,147,000	2,191
Total noninterest expense	$6,935,000	2,652
Salaries and employee benefits	$3,568,000	2,751
Premises and equipment expense	$1,108,000	2,045
Additional noninterest expense	$2,259,000	2,716
Pre-tax net operating income	$1,292,000	3,646
Securities gains (losses)	$146,000	1,085
Applicable income taxes	$299,000	2,638
Income before extraordinary items	$1,139,000	3,652
Extraordinary gains, net	$0	29
Net income	$1,139,000	3,655
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,139,000	3,656
Net charge-offs	$80,000	3,957
Cash dividends	$238,000	3,480
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,023,660	3,792
2013-09-30 (YTD Data)		Rank
Total interest income	$5,337,000	3,237
Total interest expense	$532,000	3,796
Net interest income	$4,805,000	3,124
Provision for loan and lease losses	$0	4,941
Total noninterest income	$1,378,000	2,319
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$507,000	1,892
Trading account gains and fees	$0	180
Additional Noninterest Income	$871,000	2,238
Total noninterest expense	$5,143,000	2,679
Salaries and employee benefits	$2,662,000	2,772
Premises and equipment expense	$834,000	2,066
Additional noninterest expense	$1,647,000	2,768
Pre-tax net operating income	$1,040,000	3,621
Securities gains (losses)	$146,000	993
Applicable income taxes	$242,000	2,612
Income before extraordinary items	$944,000	3,529
Extraordinary gains, net	$0	25
Net income	$944,000	3,531
Minority interest net income	$0	84
Net income of bank and minority interests.	$944,000	3,533
Net charge-offs	$79,000	3,480
Cash dividends	$160,000	3,069
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$827,200	3,688
2013-06-30 (YTD Data)		Rank
Total interest income	$3,562,000	3,238
Total interest expense	$355,000	3,866
Net interest income	$3,207,000	3,123
Provision for loan and lease losses	$0	4,788
Total noninterest income	$934,000	2,317
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$335,000	1,876
Trading account gains and fees	$0	157
Additional Noninterest Income	$599,000	2,236
Total noninterest expense	$3,414,000	2,693
Salaries and employee benefits	$1,760,000	2,812
Premises and equipment expense	$569,000	2,028
Additional noninterest expense	$1,085,000	2,775
Pre-tax net operating income	$727,000	3,513
Securities gains (losses)	$146,000	891
Applicable income taxes	$167,000	2,588
Income before extraordinary items	$706,000	3,293
Extraordinary gains, net	$0	22
Net income	$706,000	3,294
Minority interest net income	$0	82
Net income of bank and minority interests.	$706,000	3,296
Net charge-offs	$45,000	3,434
Cash dividends	$100,000	2,984
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$587,740	3,539
2013-03-31 (YTD Data)		Rank
Total interest income	$1,755,000	3,304
Total interest expense	$176,000	3,973
Net interest income	$1,579,000	3,172
Provision for loan and lease losses	$0	4,409
Total noninterest income	$438,000	2,426
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$170,000	1,852
Trading account gains and fees	$0	148
Additional Noninterest Income	$268,000	2,369
Total noninterest expense	$1,704,000	2,723
Salaries and employee benefits	$880,000	2,821
Premises and equipment expense	$296,000	1,986
Additional noninterest expense	$528,000	2,852
Pre-tax net operating income	$313,000	3,725
Securities gains (losses)	$146,000	567
Applicable income taxes	$76,000	2,655
Income before extraordinary items	$383,000	3,109
Extraordinary gains, net	$0	10
Net income	$383,000	3,110
Minority interest net income	$0	76
Net income of bank and minority interests.	$383,000	3,111
Net charge-offs	$49,000	2,434
Cash dividends	$54,000	2,328
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$261,820	3,706
2012-12-31 (YTD Data)		Rank
Total interest income	$7,368,000	3,325
Total interest expense	$775,000	4,185
Net interest income	$6,593,000	3,139
Provision for loan and lease losses	$271,000	3,530
Total noninterest income	$1,599,000	2,505
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$724,000	1,844
Trading account gains and fees	$0	166
Additional Noninterest Income	$875,000	2,552
Total noninterest expense	$6,706,000	2,770
Salaries and employee benefits	$3,490,000	2,797
Premises and equipment expense	$1,078,000	2,125
Additional noninterest expense	$2,138,000	2,929
Pre-tax net operating income	$1,215,000	3,692
Securities gains (losses)	$272,000	1,445
Applicable income taxes	$321,000	2,599
Income before extraordinary items	$1,166,000	3,620
Extraordinary gains, net	$0	29
Net income	$1,166,000	3,620
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,166,000	3,622
Net charge-offs	$-165,000	6,981
Cash dividends	$230,000	3,509
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$953,840	3,816
2012-09-30 (YTD Data)		Rank
Total interest income	$5,606,000	3,351
Total interest expense	$598,000	4,242
Net interest income	$5,008,000	3,156
Provision for loan and lease losses	$271,000	3,104
Total noninterest income	$1,396,000	2,287
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$539,000	1,871
Trading account gains and fees	$0	157
Additional Noninterest Income	$857,000	2,201
Total noninterest expense	$5,042,000	2,771
Salaries and employee benefits	$2,638,000	2,787
Premises and equipment expense	$807,000	2,156
Additional noninterest expense	$1,597,000	2,948
Pre-tax net operating income	$1,091,000	3,476
Securities gains (losses)	$257,000	1,244
Applicable income taxes	$286,000	2,511
Income before extraordinary items	$1,062,000	3,311
Extraordinary gains, net	$0	20
Net income	$1,062,000	3,313
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,062,000	3,313
Net charge-offs	$-186,000	7,090
Cash dividends	$154,000	3,077
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$858,970	3,573
2012-06-30 (YTD Data)		Rank
Total interest income	$3,749,000	3,366
Total interest expense	$414,000	4,250
Net interest income	$3,335,000	3,170
Provision for loan and lease losses	$271,000	2,577
Total noninterest income	$1,037,000	2,110
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$347,000	1,921
Trading account gains and fees	$0	153
Additional Noninterest Income	$690,000	1,937
Total noninterest expense	$3,364,000	2,772
Salaries and employee benefits	$1,761,000	2,787
Premises and equipment expense	$543,000	2,127
Additional noninterest expense	$1,060,000	2,974
Pre-tax net operating income	$737,000	3,439
Securities gains (losses)	$183,000	1,168
Applicable income taxes	$186,000	2,507
Income before extraordinary items	$734,000	3,230
Extraordinary gains, net	$0	19
Net income	$734,000	3,228
Minority interest net income	$0	84
Net income of bank and minority interests.	$734,000	3,230
Net charge-offs	$-185,000	7,157
Cash dividends	$96,000	3,061
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$587,600	3,498
2012-03-31 (YTD Data)		Rank
Total interest income	$1,857,000	3,408
Total interest expense	$221,000	4,221
Net interest income	$1,636,000	3,218
Provision for loan and lease losses	$90,000	2,992
Total noninterest income	$465,000	2,257
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$161,000	2,017
Trading account gains and fees	$0	148
Additional Noninterest Income	$304,000	2,085
Total noninterest expense	$1,680,000	2,771
Salaries and employee benefits	$886,000	2,780
Premises and equipment expense	$277,000	2,107
Additional noninterest expense	$517,000	3,015
Pre-tax net operating income	$331,000	3,654
Securities gains (losses)	$183,000	638
Applicable income taxes	$87,000	2,573
Income before extraordinary items	$427,000	2,929
Extraordinary gains, net	$0	19
Net income	$427,000	2,932
Minority interest net income	$0	78
Net income of bank and minority interests.	$427,000	2,933
Net charge-offs	$-2,000	6,038
Cash dividends	$53,000	2,394
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$275,110	3,634
2011-12-31 (YTD Data)		Rank
Total interest income	$7,868,000	3,370
Total interest expense	$1,114,000	4,144
Net interest income	$6,754,000	3,162
Provision for loan and lease losses	$360,000	3,874
Total noninterest income	$1,592,000	2,354
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$652,000	2,098
Trading account gains and fees	$0	146
Additional Noninterest Income	$940,000	2,222
Total noninterest expense	$6,687,000	2,767
Salaries and employee benefits	$3,406,000	2,805
Premises and equipment expense	$1,132,000	2,157
Additional noninterest expense	$2,149,000	2,933
Pre-tax net operating income	$1,299,000	3,265
Securities gains (losses)	$155,000	1,681
Applicable income taxes	$342,000	2,403
Income before extraordinary items	$1,112,000	3,340
Extraordinary gains, net	$0	29
Net income	$1,112,000	3,343
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,112,000	3,343
Net charge-offs	$718,000	2,752
Cash dividends	$216,000	3,284
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$994,200	3,458
2011-09-30 (YTD Data)		Rank
Total interest income	$5,905,000	3,406
Total interest expense	$870,000	4,164
Net interest income	$5,035,000	3,195
Provision for loan and lease losses	$270,000	3,754
Total noninterest income	$1,178,000	2,363
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$480,000	2,145
Trading account gains and fees	$0	145
Additional Noninterest Income	$698,000	2,218
Total noninterest expense	$5,025,000	2,764
Salaries and employee benefits	$2,535,000	2,822
Premises and equipment expense	$864,000	2,152
Additional noninterest expense	$1,626,000	2,926
Pre-tax net operating income	$918,000	3,475
Securities gains (losses)	$155,000	1,405
Applicable income taxes	$218,000	2,573
Income before extraordinary items	$855,000	3,386
Extraordinary gains, net	$0	21
Net income	$855,000	3,387
Minority interest net income	$0	87
Net income of bank and minority interests.	$855,000	3,387
Net charge-offs	$676,000	2,326
Cash dividends	$143,000	2,943
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$731,000	3,568
2011-06-30 (YTD Data)		Rank
Total interest income	$3,949,000	3,433
Total interest expense	$589,000	4,233
Net interest income	$3,360,000	3,208
Provision for loan and lease losses	$180,000	3,659
Total noninterest income	$782,000	2,354
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$329,000	2,075
Trading account gains and fees	$0	153
Additional Noninterest Income	$453,000	2,246
Total noninterest expense	$3,342,000	2,797
Salaries and employee benefits	$1,690,000	2,842
Premises and equipment expense	$579,000	2,165
Additional noninterest expense	$1,073,000	3,018
Pre-tax net operating income	$620,000	3,418
Securities gains (losses)	$155,000	867
Applicable income taxes	$133,000	2,625
Income before extraordinary items	$642,000	3,066
Extraordinary gains, net	$0	15
Net income	$642,000	3,069
Minority interest net income	$0	89
Net income of bank and minority interests.	$642,000	3,069
Net charge-offs	$354,000	2,501
Cash dividends	$88,000	2,875
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$513,350	3,438
2011-03-31 (YTD Data)		Rank
Total interest income	$1,928,000	3,513
Total interest expense	$295,000	4,338
Net interest income	$1,633,000	3,263
Provision for loan and lease losses	$90,000	3,467
Total noninterest income	$386,000	2,410
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$165,000	2,053
Trading account gains and fees	$0	158
Additional Noninterest Income	$221,000	2,341
Total noninterest expense	$1,693,000	2,779
Salaries and employee benefits	$836,000	2,890
Premises and equipment expense	$308,000	2,077
Additional noninterest expense	$549,000	2,954
Pre-tax net operating income	$236,000	3,941
Securities gains (losses)	$155,000	407
Applicable income taxes	$62,000	2,658
Income before extraordinary items	$329,000	3,040
Extraordinary gains, net	$0	9
Net income	$329,000	3,039
Minority interest net income	$0	86
Net income of bank and minority interests.	$329,000	3,040
Net charge-offs	$47,000	3,400
Cash dividends	$48,000	2,260
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$198,800	3,948
2010-12-31 (YTD Data)		Rank
Total interest income	$7,716,000	3,641
Total interest expense	$1,403,000	4,433
Net interest income	$6,313,000	3,350
Provision for loan and lease losses	$525,000	4,044
Total noninterest income	$1,367,000	2,680
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$629,000	2,209
Trading account gains and fees	$0	175
Additional Noninterest Income	$738,000	2,612
Total noninterest expense	$6,877,000	2,763
Salaries and employee benefits	$3,385,000	2,814
Premises and equipment expense	$1,198,000	2,111
Additional noninterest expense	$2,294,000	2,887
Pre-tax net operating income	$278,000	4,965
Securities gains (losses)	$251,000	1,411
Applicable income taxes	$61,000	3,532
Income before extraordinary items	$468,000	4,400
Extraordinary gains, net	$0	29
Net income	$468,000	4,403
Minority interest net income	$0	111
Net income of bank and minority interests.	$468,000	4,402
Net charge-offs	$-53,000	7,570
Cash dividends	$204,000	3,261
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$247,120	4,976
2010-09-30 (YTD Data)		Rank
Total interest income	$5,751,000	3,732
Total interest expense	$1,038,000	4,608
Net interest income	$4,713,000	3,407
Provision for loan and lease losses	$375,000	3,997
Total noninterest income	$1,004,000	2,727
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$479,000	2,231
Trading account gains and fees	$0	165
Additional Noninterest Income	$525,000	2,684
Total noninterest expense	$5,112,000	2,785
Salaries and employee benefits	$2,532,000	2,821
Premises and equipment expense	$880,000	2,179
Additional noninterest expense	$1,700,000	2,849
Pre-tax net operating income	$230,000	5,134
Securities gains (losses)	$251,000	1,205
Applicable income taxes	$56,000	3,504
Income before extraordinary items	$425,000	4,387
Extraordinary gains, net	$0	23
Net income	$425,000	4,388
Minority interest net income	$0	110
Net income of bank and minority interests.	$425,000	4,388
Net charge-offs	$-50,000	7,638
Cash dividends	$140,000	2,983
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$204,120	5,115
2010-06-30 (YTD Data)		Rank
Total interest income	$3,770,000	3,820
Total interest expense	$674,000	4,779
Net interest income	$3,096,000	3,444
Provision for loan and lease losses	$225,000	4,053
Total noninterest income	$679,000	2,635
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$335,000	2,167
Trading account gains and fees	$0	152
Additional Noninterest Income	$344,000	2,635
Total noninterest expense	$3,387,000	2,805
Salaries and employee benefits	$1,680,000	2,837
Premises and equipment expense	$597,000	2,162
Additional noninterest expense	$1,110,000	2,920
Pre-tax net operating income	$163,000	5,140
Securities gains (losses)	$38,000	2,052
Applicable income taxes	$16,000	3,895
Income before extraordinary items	$185,000	4,988
Extraordinary gains, net	$0	19
Net income	$185,000	4,989
Minority interest net income	$0	105
Net income of bank and minority interests.	$185,000	4,988
Net charge-offs	$73,000	4,560
Cash dividends	$101,000	2,807
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$150,040	5,070
2010-03-31 (YTD Data)		Rank
Total interest income	$1,866,000	3,908
Total interest expense	$330,000	4,959
Net interest income	$1,536,000	3,484
Provision for loan and lease losses	$90,000	4,075
Total noninterest income	$316,000	2,770
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$162,000	2,210
Trading account gains and fees	$0	175
Additional Noninterest Income	$154,000	2,790
Total noninterest expense	$1,678,000	2,856
Salaries and employee benefits	$841,000	2,883
Premises and equipment expense	$308,000	2,153
Additional noninterest expense	$529,000	3,017
Pre-tax net operating income	$84,000	5,240
Securities gains (losses)	$0	2,284
Applicable income taxes	$2,000	4,347
Income before extraordinary items	$82,000	5,223
Extraordinary gains, net	$0	16
Net income	$82,000	5,224
Minority interest net income	$0	91
Net income of bank and minority interests.	$82,000	5,223
Net charge-offs	$47,000	3,765
Cash dividends	$69,000	2,133
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$82,000	5,106
2009-12-31 (YTD Data)		Rank
Total interest income	$7,387,000	4,031
Total interest expense	$1,274,000	5,533
Net interest income	$6,113,000	3,408
Provision for loan and lease losses	$310,000	5,214
Total noninterest income	$1,396,000	2,691
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$695,000	2,269
Trading account gains and fees	$0	211
Additional Noninterest Income	$701,000	2,663
Total noninterest expense	$6,690,000	2,905
Salaries and employee benefits	$3,364,000	2,888
Premises and equipment expense	$1,189,000	2,237
Additional noninterest expense	$2,137,000	3,150
Pre-tax net operating income	$509,000	3,978
Securities gains (losses)	$91,000	2,223
Applicable income taxes	$87,000	2,948
Income before extraordinary items	$513,000	3,830
Extraordinary gains, net	$0	34
Net income	$513,000	3,828
Minority interest net income	$0	115
Net income of bank and minority interests.	$513,000	3,829
Net charge-offs	$311,000	4,442
Cash dividends	$464,000	2,649
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$435,650	3,986
2009-09-30 (YTD Data)		Rank
Total interest income	$5,519,000	4,096
Total interest expense	$941,000	5,716
Net interest income	$4,578,000	3,418
Provision for loan and lease losses	$180,000	5,277
Total noninterest income	$1,011,000	2,798
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$504,000	2,339
Trading account gains and fees	$0	212
Additional Noninterest Income	$507,000	2,794
Total noninterest expense	$4,983,000	2,925
Salaries and employee benefits	$2,504,000	2,943
Premises and equipment expense	$903,000	2,234
Additional noninterest expense	$1,576,000	3,156
Pre-tax net operating income	$426,000	4,109
Securities gains (losses)	$2,000	3,313
Applicable income taxes	$60,000	3,222
Income before extraordinary items	$368,000	4,160
Extraordinary gains, net	$0	27
Net income	$368,000	4,155
Minority interest net income	$0	118
Net income of bank and minority interests.	$368,000	4,158
Net charge-offs	$145,000	4,654
Cash dividends	$286,000	2,701
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$366,280	4,085
2009-06-30 (YTD Data)		Rank
Total interest income	$3,665,000	4,147
Total interest expense	$617,000	5,859
Net interest income	$3,048,000	3,417
Provision for loan and lease losses	$120,000	5,054
Total noninterest income	$666,000	2,828
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$329,000	2,345
Trading account gains and fees	$0	193
Additional Noninterest Income	$337,000	2,800
Total noninterest expense	$3,316,000	2,955
Salaries and employee benefits	$1,673,000	2,968
Premises and equipment expense	$621,000	2,201
Additional noninterest expense	$1,022,000	3,237
Pre-tax net operating income	$278,000	4,234
Securities gains (losses)	$1,000	3,011
Applicable income taxes	$45,000	3,229
Income before extraordinary items	$234,000	4,341
Extraordinary gains, net	$0	21
Net income	$234,000	4,340
Minority interest net income	$0	112
Net income of bank and minority interests.	$234,000	4,340
Net charge-offs	$59,000	4,771
Cash dividends	$166,000	2,863
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$233,160	4,238
2009-03-31 (YTD Data)		Rank
Total interest income	$1,819,000	4,204
Total interest expense	$315,000	5,915
Net interest income	$1,504,000	3,445
Provision for loan and lease losses	$60,000	4,614
Total noninterest income	$326,000	2,867
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$162,000	2,303
Trading account gains and fees	$0	171
Additional Noninterest Income	$164,000	2,824
Total noninterest expense	$1,604,000	2,956
Salaries and employee benefits	$838,000	2,983
Premises and equipment expense	$319,000	2,182
Additional noninterest expense	$447,000	3,288
Pre-tax net operating income	$166,000	4,343
Securities gains (losses)	$1,000	2,304
Applicable income taxes	$25,000	3,414
Income before extraordinary items	$142,000	4,436
Extraordinary gains, net	$0	15
Net income	$142,000	4,439
Minority interest net income	$0	102
Net income of bank and minority interests.	$142,000	4,439
Net charge-offs	$34,000	3,910
Cash dividends	$69,000	2,515
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$141,150	4,284
2008-12-31 (YTD Data)		Rank
Total interest income	$7,532,000	4,291
Total interest expense	$1,858,000	5,489
Net interest income	$5,674,000	3,622
Provision for loan and lease losses	$150,000	5,553
Total noninterest income	$1,361,000	2,811
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$709,000	2,322
Trading account gains and fees	$0	154
Additional Noninterest Income	$652,000	2,758
Total noninterest expense	$6,296,000	2,941
Salaries and employee benefits	$3,322,000	2,970
Premises and equipment expense	$1,112,000	2,394
Additional noninterest expense	$1,862,000	3,050
Pre-tax net operating income	$589,000	4,638
Securities gains (losses)	$19,000	2,215
Applicable income taxes	$103,000	3,369
Income before extraordinary items	$505,000	4,429
Extraordinary gains, net	$0	39
Net income	$505,000	4,428
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,841
Cash dividends	$497,000	3,398
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$489,230	4,653
2008-09-30 (YTD Data)		Rank
Total interest income	$5,631,000	4,370
Total interest expense	$1,457,000	5,503
Net interest income	$4,174,000	3,698
Provision for loan and lease losses	$113,000	5,017
Total noninterest income	$1,018,000	2,874
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$534,000	2,329
Trading account gains and fees	$0	148
Additional Noninterest Income	$484,000	2,874
Total noninterest expense	$4,658,000	2,954
Salaries and employee benefits	$2,447,000	3,055
Premises and equipment expense	$820,000	2,434
Additional noninterest expense	$1,391,000	2,964
Pre-tax net operating income	$421,000	5,199
Securities gains (losses)	$2,000	2,845
Applicable income taxes	$56,000	4,035
Income before extraordinary items	$367,000	4,910
Extraordinary gains, net	$0	31
Net income	$367,000	4,907
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,512
Cash dividends	$307,000	3,348
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$365,260	5,084
2008-06-30 (YTD Data)		Rank
Total interest income	$3,688,000	4,463
Total interest expense	$1,016,000	5,542
Net interest income	$2,672,000	3,795
Provision for loan and lease losses	$75,000	4,654
Total noninterest income	$675,000	2,923
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$347,000	2,369
Trading account gains and fees	$0	149
Additional Noninterest Income	$328,000	2,890
Total noninterest expense	$3,039,000	3,022
Salaries and employee benefits	$1,590,000	3,163
Premises and equipment expense	$537,000	2,483
Additional noninterest expense	$912,000	2,977
Pre-tax net operating income	$233,000	5,599
Securities gains (losses)	$1,000	3,084
Applicable income taxes	$29,000	4,452
Income before extraordinary items	$205,000	5,574
Extraordinary gains, net	$0	21
Net income	$205,000	5,575
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	7,731
Cash dividends	$166,000	3,632
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$204,120	5,517
2008-03-31 (YTD Data)		Rank
Total interest income	$1,812,000	4,605
Total interest expense	$500,000	5,764
Net interest income	$1,312,000	3,838
Provision for loan and lease losses	$38,000	4,158
Total noninterest income	$329,000	2,946
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$171,000	2,359
Trading account gains and fees	$0	158
Additional Noninterest Income	$158,000	2,952
Total noninterest expense	$1,430,000	3,210
Salaries and employee benefits	$744,000	3,377
Premises and equipment expense	$265,000	2,538
Additional noninterest expense	$421,000	3,160
Pre-tax net operating income	$173,000	5,212
Securities gains (losses)	$1,000	2,556
Applicable income taxes	$31,000	4,027
Income before extraordinary items	$143,000	5,288
Extraordinary gains, net	$0	15
Net income	$143,000	5,290
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,920
Cash dividends	$69,000	3,220
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$142,180	5,194
2007-12-31 (YTD Data)		Rank
Total interest income	$7,527,000	4,539
Total interest expense	$1,925,000	5,903
Net interest income	$5,602,000	3,692
Provision for loan and lease losses	$108,000	4,801
Total noninterest income	$1,406,000	2,824
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$829,000	2,074
Trading account gains and fees	$0	178
Additional Noninterest Income	$577,000	3,068
Total noninterest expense	$5,715,000	3,100
Salaries and employee benefits	$2,955,000	3,265
Premises and equipment expense	$1,002,000	2,562
Additional noninterest expense	$1,758,000	2,995
Pre-tax net operating income	$1,185,000	4,391
Securities gains (losses)	$3,000	1,730
Applicable income taxes	$259,000	3,565
Income before extraordinary items	$929,000	4,475
Extraordinary gains, net	$199,000	17
Net income	$1,128,000	4,051
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$84,000	3,999
Cash dividends	$494,000	3,759
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$926,660	4,476
2007-09-30 (YTD Data)		Rank
Total interest income	$5,675,000	4,538
Total interest expense	$1,424,000	5,971
Net interest income	$4,251,000	3,666
Provision for loan and lease losses	$108,000	3,997
Total noninterest income	$1,033,000	2,845
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$617,000	2,065
Trading account gains and fees	$0	184
Additional Noninterest Income	$416,000	3,137
Total noninterest expense	$4,261,000	3,072
Salaries and employee benefits	$2,191,000	3,278
Premises and equipment expense	$761,000	2,533
Additional noninterest expense	$1,309,000	2,958
Pre-tax net operating income	$915,000	4,556
Securities gains (losses)	$1,000	1,492
Applicable income taxes	$206,000	3,688
Income before extraordinary items	$710,000	4,620
Extraordinary gains, net	$145,000	14
Net income	$855,000	4,211
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	3,004
Cash dividends	$305,000	3,587
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$709,220	4,612
2007-06-30 (YTD Data)		Rank
Total interest income	$3,782,000	4,559
Total interest expense	$918,000	6,055
Net interest income	$2,864,000	3,663
Provision for loan and lease losses	$93,000	3,403
Total noninterest income	$683,000	2,881
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$410,000	2,068
Trading account gains and fees	$0	168
Additional Noninterest Income	$273,000	3,178
Total noninterest expense	$2,862,000	3,089
Salaries and employee benefits	$1,464,000	3,317
Premises and equipment expense	$512,000	2,528
Additional noninterest expense	$886,000	2,921
Pre-tax net operating income	$592,000	4,687
Securities gains (losses)	$1,000	1,305
Applicable income taxes	$130,000	3,822
Income before extraordinary items	$463,000	4,734
Extraordinary gains, net	$145,000	13
Net income	$608,000	4,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	7,435
Cash dividends	$164,000	3,861
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$462,220	4,731
2007-03-31 (YTD Data)		Rank
Total interest income	$1,867,000	4,595
Total interest expense	$446,000	6,126
Net interest income	$1,421,000	3,696
Provision for loan and lease losses	$46,000	3,181
Total noninterest income	$344,000	2,844
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$210,000	1,972
Trading account gains and fees	$0	195
Additional Noninterest Income	$134,000	3,207
Total noninterest expense	$1,425,000	3,109
Salaries and employee benefits	$720,000	3,378
Premises and equipment expense	$261,000	2,482
Additional noninterest expense	$444,000	2,896
Pre-tax net operating income	$294,000	4,700
Securities gains (losses)	$0	1,187
Applicable income taxes	$66,000	3,808
Income before extraordinary items	$228,000	4,764
Extraordinary gains, net	$145,000	10
Net income	$373,000	3,663
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	2,538
Cash dividends	$68,000	3,423
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$228,000	4,746
2006-12-31 (YTD Data)		Rank
Total interest income	$7,407,000	4,407
Total interest expense	$1,701,000	5,816
Net interest income	$5,706,000	3,650
Provision for loan and lease losses	$227,000	3,298
Total noninterest income	$1,274,000	3,012
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$909,000	1,895
Trading account gains and fees	$0	130
Additional Noninterest Income	$365,000	3,911
Total noninterest expense	$5,641,000	3,023
Salaries and employee benefits	$2,936,000	3,189
Premises and equipment expense	$996,000	2,486
Additional noninterest expense	$1,709,000	2,953
Pre-tax net operating income	$1,112,000	4,955
Securities gains (losses)	$-4,000	7,017
Applicable income taxes	$219,000	4,194
Income before extraordinary items	$889,000	4,969
Extraordinary gains, net	$537,000	17
Net income	$1,426,000	3,887
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	3,120
Cash dividends	$484,000	3,788
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$892,200	4,954
2006-09-30 (YTD Data)		Rank
Total interest income	$5,513,000	4,413
Total interest expense	$1,242,000	5,833
Net interest income	$4,271,000	3,682
Provision for loan and lease losses	$227,000	2,590
Total noninterest income	$963,000	3,003
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$683,000	1,895
Trading account gains and fees	$0	126
Additional Noninterest Income	$280,000	3,860
Total noninterest expense	$4,196,000	3,042
Salaries and employee benefits	$2,163,000	3,244
Premises and equipment expense	$739,000	2,509
Additional noninterest expense	$1,294,000	2,916
Pre-tax net operating income	$811,000	5,202
Securities gains (losses)	$-4,000	7,334
Applicable income taxes	$171,000	4,344
Income before extraordinary items	$636,000	5,217
Extraordinary gains, net	$537,000	15
Net income	$1,173,000	3,803
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	4,263
Cash dividends	$297,000	3,717
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$639,160	5,208
2006-06-30 (YTD Data)		Rank
Total interest income	$3,599,000	4,429
Total interest expense	$775,000	5,890
Net interest income	$2,824,000	3,709
Provision for loan and lease losses	$165,000	2,445
Total noninterest income	$661,000	2,938
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$455,000	1,880
Trading account gains and fees	$0	126
Additional Noninterest Income	$206,000	3,687
Total noninterest expense	$2,805,000	3,054
Salaries and employee benefits	$1,444,000	3,240
Premises and equipment expense	$501,000	2,461
Additional noninterest expense	$860,000	2,935
Pre-tax net operating income	$515,000	5,344
Securities gains (losses)	$0	1,185
Applicable income taxes	$112,000	4,385
Income before extraordinary items	$403,000	5,373
Extraordinary gains, net	$537,000	14
Net income	$940,000	3,352
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	3,101
Cash dividends	$158,000	3,942
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$403,000	5,372
2006-03-31 (YTD Data)		Rank
Total interest income	$1,782,000	4,407
Total interest expense	$376,000	5,849
Net interest income	$1,406,000	3,724
Provision for loan and lease losses	$82,000	2,309
Total noninterest income	$321,000	2,948
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$186,000	2,168
Trading account gains and fees	$0	115
Additional Noninterest Income	$135,000	3,166
Total noninterest expense	$1,414,000	3,036
Salaries and employee benefits	$730,000	3,220
Premises and equipment expense	$254,000	2,440
Additional noninterest expense	$430,000	2,924
Pre-tax net operating income	$231,000	5,530
Securities gains (losses)	$0	955
Applicable income taxes	$44,000	4,649
Income before extraordinary items	$187,000	5,486
Extraordinary gains, net	$0	21
Net income	$187,000	5,486
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	8,032
Cash dividends	$66,000	3,425
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$187,000	5,486
2005-12-31 (YTD Data)		Rank
Total interest income	$6,918,000	4,184
Total interest expense	$1,294,000	5,630
Net interest income	$5,624,000	3,611
Provision for loan and lease losses	$360,000	2,451
Total noninterest income	$1,387,000	2,831
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$800,000	2,105
Trading account gains and fees	$0	138
Additional Noninterest Income	$587,000	3,094
Total noninterest expense	$5,770,000	2,842
Salaries and employee benefits	$2,858,000	3,104
Premises and equipment expense	$974,000	2,428
Additional noninterest expense	$1,938,000	2,566
Pre-tax net operating income	$881,000	5,677
Securities gains (losses)	$1,000	2,117
Applicable income taxes	$161,000	4,915
Income before extraordinary items	$721,000	5,606
Extraordinary gains, net	$0	46
Net income	$721,000	5,610
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$278,000	1,836
Cash dividends	$478,000	3,744
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$720,180	5,578
2005-09-30 (YTD Data)		Rank
Total interest income	$5,219,000	4,109
Total interest expense	$948,000	5,590
Net interest income	$4,271,000	3,567
Provision for loan and lease losses	$270,000	2,383
Total noninterest income	$998,000	2,913
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$593,000	2,120
Trading account gains and fees	$0	126
Additional Noninterest Income	$405,000	3,255
Total noninterest expense	$4,347,000	2,813
Salaries and employee benefits	$2,155,000	3,055
Premises and equipment expense	$729,000	2,419
Additional noninterest expense	$1,463,000	2,519
Pre-tax net operating income	$652,000	5,797
Securities gains (losses)	$1,000	2,135
Applicable income taxes	$121,000	5,053
Income before extraordinary items	$532,000	5,756
Extraordinary gains, net	$0	35
Net income	$532,000	5,760
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	2,801
Cash dividends	$292,000	3,600
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$531,190	5,725
2005-06-30 (YTD Data)		Rank
Total interest income	$3,431,000	4,093
Total interest expense	$623,000	5,463
Net interest income	$2,808,000	3,591
Provision for loan and lease losses	$180,000	2,307
Total noninterest income	$611,000	3,052
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$387,000	2,125
Trading account gains and fees	$0	116
Additional Noninterest Income	$224,000	3,569
Total noninterest expense	$2,907,000	2,786
Salaries and employee benefits	$1,429,000	3,053
Premises and equipment expense	$486,000	2,389
Additional noninterest expense	$992,000	2,451
Pre-tax net operating income	$332,000	6,388
Securities gains (losses)	$0	2,146
Applicable income taxes	$56,000	5,420
Income before extraordinary items	$276,000	6,302
Extraordinary gains, net	$0	30
Net income	$276,000	6,304
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	2,327
Cash dividends	$155,000	3,779
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$276,000	6,249
2005-03-31 (YTD Data)		Rank
Total interest income	$1,673,000	4,137
Total interest expense	$300,000	5,483
Net interest income	$1,373,000	3,668
Provision for loan and lease losses	$90,000	2,180
Total noninterest income	$298,000	3,066
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$187,000	2,138
Trading account gains and fees	$0	115
Additional Noninterest Income	$111,000	3,545
Total noninterest expense	$1,468,000	2,773
Salaries and employee benefits	$727,000	3,016
Premises and equipment expense	$246,000	2,386
Additional noninterest expense	$495,000	2,464
Pre-tax net operating income	$113,000	7,043
Securities gains (losses)	$0	1,685
Applicable income taxes	$15,000	5,858
Income before extraordinary items	$98,000	6,933
Extraordinary gains, net	$0	24
Net income	$98,000	6,935
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,232
Cash dividends	$64,000	3,285
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$98,000	6,907
2004-12-31 (YTD Data)		Rank
Total interest income	$5,998,000	4,268
Total interest expense	$1,058,000	5,498
Net interest income	$4,940,000	3,837
Provision for loan and lease losses	$520,000	1,901
Total noninterest income	$1,078,000	3,365
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$572,000	2,815
Trading account gains and fees	$0	138
Additional Noninterest Income	$506,000	3,287
Total noninterest expense	$4,929,000	3,159
Salaries and employee benefits	$2,589,000	3,253
Premises and equipment expense	$769,000	2,888
Additional noninterest expense	$1,571,000	3,011
Pre-tax net operating income	$569,000	6,489
Securities gains (losses)	$29,000	2,137
Applicable income taxes	$81,000	5,713
Income before extraordinary items	$517,000	6,294
Extraordinary gains, net	$0	34
Net income	$517,000	6,298
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$544,000	1,255
Cash dividends	$473,000	3,652
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$492,060	6,320
2004-09-30 (YTD Data)		Rank
Total interest income	$4,467,000	4,266
Total interest expense	$787,000	5,492
Net interest income	$3,680,000	3,846
Provision for loan and lease losses	$370,000	1,896
Total noninterest income	$724,000	3,649
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$398,000	3,023
Trading account gains and fees	$0	134
Additional Noninterest Income	$326,000	3,586
Total noninterest expense	$3,655,000	3,170
Salaries and employee benefits	$1,922,000	3,250
Premises and equipment expense	$558,000	2,954
Additional noninterest expense	$1,175,000	2,992
Pre-tax net operating income	$379,000	6,830
Securities gains (losses)	$30,000	2,041
Applicable income taxes	$51,000	5,955
Income before extraordinary items	$358,000	6,566
Extraordinary gains, net	$0	26
Net income	$358,000	6,566
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$270,000	1,546
Cash dividends	$289,000	3,518
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$331,600	6,646
2004-06-30 (YTD Data)		Rank
Total interest income	$2,955,000	4,300
Total interest expense	$528,000	5,493
Net interest income	$2,427,000	3,876
Provision for loan and lease losses	$220,000	2,035
Total noninterest income	$432,000	3,922
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$259,000	3,056
Trading account gains and fees	$0	130
Additional Noninterest Income	$173,000	4,032
Total noninterest expense	$2,374,000	3,249
Salaries and employee benefits	$1,269,000	3,293
Premises and equipment expense	$372,000	2,968
Additional noninterest expense	$733,000	3,177
Pre-tax net operating income	$265,000	6,736
Securities gains (losses)	$32,000	1,752
Applicable income taxes	$41,000	5,802
Income before extraordinary items	$256,000	6,392
Extraordinary gains, net	$0	21
Net income	$256,000	6,392
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$187,000	1,447
Cash dividends	$153,000	3,763
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$228,480	6,555
2004-03-31 (YTD Data)		Rank
Total interest income	$1,455,000	4,363
Total interest expense	$270,000	5,490
Net interest income	$1,185,000	3,934
Provision for loan and lease losses	$90,000	2,254
Total noninterest income	$199,000	4,074
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$125,000	3,064
Trading account gains and fees	$0	121
Additional Noninterest Income	$74,000	4,326
Total noninterest expense	$1,183,000	3,263
Salaries and employee benefits	$644,000	3,253
Premises and equipment expense	$195,000	2,887
Additional noninterest expense	$344,000	3,344
Pre-tax net operating income	$111,000	6,981
Securities gains (losses)	$31,000	1,473
Applicable income taxes	$21,000	5,742
Income before extraordinary items	$121,000	6,498
Extraordinary gains, net	$0	16
Net income	$121,000	6,497
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$108,000	1,240
Cash dividends	$62,000	3,260
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$94,650	6,894
2003-12-31 (YTD Data)		Rank
Total interest income	$6,223,000	4,203
Total interest expense	$1,285,000	5,350
Net interest income	$4,938,000	3,713
Provision for loan and lease losses	$595,000	1,895
Total noninterest income	$935,000	3,857
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$571,000	2,803
Trading account gains and fees	$0	160
Additional Noninterest Income	$364,000	4,144
Total noninterest expense	$4,656,000	3,253
Salaries and employee benefits	$2,395,000	3,377
Premises and equipment expense	$738,000	2,951
Additional noninterest expense	$1,523,000	3,037
Pre-tax net operating income	$622,000	6,263
Securities gains (losses)	$78,000	2,115
Applicable income taxes	$104,000	5,683
Income before extraordinary items	$596,000	5,970
Extraordinary gains, net	$0	54
Net income	$596,000	5,974
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,816,000	426
Cash dividends	$468,000	3,657
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$529,700	6,061
2003-09-30 (YTD Data)		Rank
Total interest income	$4,677,000	4,245
Total interest expense	$1,007,000	5,362
Net interest income	$3,670,000	3,773
Provision for loan and lease losses	$390,000	2,061
Total noninterest income	$681,000	4,002
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$432,000	2,793
Trading account gains and fees	$0	153
Additional Noninterest Income	$249,000	4,386
Total noninterest expense	$3,507,000	3,225
Salaries and employee benefits	$1,801,000	3,365
Premises and equipment expense	$545,000	2,997
Additional noninterest expense	$1,161,000	2,979
Pre-tax net operating income	$454,000	6,489
Securities gains (losses)	$35,000	2,583
Applicable income taxes	$68,000	5,959
Income before extraordinary items	$421,000	6,235
Extraordinary gains, net	$0	40
Net income	$421,000	6,236
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,436,000	378
Cash dividends	$284,000	3,583
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$390,900	6,236
2003-06-30 (YTD Data)		Rank
Total interest income	$3,150,000	4,249
Total interest expense	$705,000	5,314
Net interest income	$2,445,000	3,773
Provision for loan and lease losses	$270,000	1,999
Total noninterest income	$463,000	3,920
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$284,000	2,770
Trading account gains and fees	$0	150
Additional Noninterest Income	$179,000	4,239
Total noninterest expense	$2,334,000	3,241
Salaries and employee benefits	$1,189,000	3,388
Premises and equipment expense	$358,000	3,023
Additional noninterest expense	$787,000	2,907
Pre-tax net operating income	$304,000	6,480
Securities gains (losses)	$25,000	2,481
Applicable income taxes	$49,000	5,928
Income before extraordinary items	$280,000	6,250
Extraordinary gains, net	$0	30
Net income	$280,000	6,249
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$372,000	1,051
Cash dividends	$149,000	3,897
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$258,750	6,247
2003-03-31 (YTD Data)		Rank
Total interest income	$1,581,000	4,267
Total interest expense	$364,000	5,327
Net interest income	$1,217,000	3,776
Provision for loan and lease losses	$180,000	1,475
Total noninterest income	$227,000	3,862
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$137,000	2,770
Trading account gains and fees	$0	134
Additional Noninterest Income	$90,000	4,120
Total noninterest expense	$1,194,000	3,167
Salaries and employee benefits	$578,000	3,472
Premises and equipment expense	$188,000	2,908
Additional noninterest expense	$428,000	2,690
Pre-tax net operating income	$70,000	7,672
Securities gains (losses)	$0	2,891
Applicable income taxes	$5,000	6,893
Income before extraordinary items	$65,000	7,583
Extraordinary gains, net	$0	21
Net income	$65,000	7,584
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	4,051
Cash dividends	$61,000	3,287
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$65,000	7,429
2002-12-31 (YTD Data)		Rank
Total interest income	$7,019,000	4,038
Total interest expense	$1,786,000	5,181
Net interest income	$5,233,000	3,519
Provision for loan and lease losses	$850,000	1,544
Total noninterest income	$1,006,000	3,472
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$597,000	2,580
Trading account gains and fees	$0	153
Additional Noninterest Income	$409,000	3,659
Total noninterest expense	$4,807,000	3,023
Salaries and employee benefits	$2,219,000	3,437
Premises and equipment expense	$691,000	3,034
Additional noninterest expense	$1,897,000	2,432
Pre-tax net operating income	$582,000	6,478
Securities gains (losses)	$152,000	1,374
Applicable income taxes	$133,000	5,668
Income before extraordinary items	$601,000	5,957
Extraordinary gains, net	$0	70
Net income	$601,000	5,955
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$159,000	3,403
Cash dividends	$541,000	3,323
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$476,360	6,368
2001-12-31 (YTD Data)		Rank
Total interest income	$7,521,000	4,220
Total interest expense	$2,541,000	5,347
Net interest income	$4,980,000	3,437
Provision for loan and lease losses	$350,000	2,901
Total noninterest income	$798,000	3,856
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$466,000	3,009
Trading account gains and fees	$0	177
Additional Noninterest Income	$332,000	3,898
Total noninterest expense	$3,986,000	3,439
Salaries and employee benefits	$2,202,000	3,323
Premises and equipment expense	$630,000	3,241
Additional noninterest expense	$1,154,000	3,628
Pre-tax net operating income	$1,442,000	3,958
Securities gains (losses)	$59,000	2,204
Applicable income taxes	$286,000	4,366
Income before extraordinary items	$1,215,000	3,771
Extraordinary gains, net	$0	105
Net income	$1,215,000	3,773
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$280,000	2,346
Cash dividends	$503,000	3,428
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,167,210	3,752
2000-12-31 (YTD Data)		Rank
Total interest income	$7,570,000	4,301
Total interest expense	$2,744,000	5,246
Net interest income	$4,826,000	3,591
Provision for loan and lease losses	$240,000	3,322
Total noninterest income	$645,000	4,226
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$385,000	3,344
Trading account gains and fees	$0	180
Additional Noninterest Income	$260,000	4,215
Total noninterest expense	$3,675,000	3,562
Salaries and employee benefits	$2,059,000	3,380
Premises and equipment expense	$576,000	3,383
Additional noninterest expense	$1,040,000	3,877
Pre-tax net operating income	$1,556,000	3,976
Securities gains (losses)	$-17,000	8,651
Applicable income taxes	$385,000	4,048
Income before extraordinary items	$1,154,000	3,969
Extraordinary gains, net	$0	38
Net income	$1,154,000	3,971
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$169,000	2,671
Cash dividends	$417,000	3,864
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,166,750	3,928
1999-12-31 (YTD Data)		Rank
Total interest income	$7,050,000	4,368
Total interest expense	$2,595,000	5,085
Net interest income	$4,455,000	3,819
Provision for loan and lease losses	$275,000	2,860
Total noninterest income	$677,000	4,089
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$363,000	3,475
Trading account gains and fees	NA	NA
Additional Noninterest Income	$314,000	3,927
Total noninterest expense	$3,641,000	3,592
Salaries and employee benefits	$2,000,000	3,442
Premises and equipment expense	$586,000	3,336
Additional noninterest expense	$1,055,000	3,841
Pre-tax net operating income	$1,216,000	4,723
Securities gains (losses)	$2,000	2,566
Applicable income taxes	$267,000	5,062
Income before extraordinary items	$951,000	4,580
Extraordinary gains, net	$0	35
Net income	$951,000	4,581
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$291,000	1,860
Cash dividends	$389,000	4,037
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$949,440	4,544
1998-12-31 (YTD Data)		Rank
Total interest income	$6,805,000	4,495
Total interest expense	$2,597,000	5,222
Net interest income	$4,208,000	3,959
Provision for loan and lease losses	$155,000	4,076
Total noninterest income	$560,000	4,604
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$356,000	3,459
Trading account gains and fees	NA	NA
Additional Noninterest Income	$204,000	4,908
Total noninterest expense	$3,503,000	3,612
Salaries and employee benefits	$1,917,000	3,470
Premises and equipment expense	$581,000	3,263
Additional noninterest expense	$1,005,000	3,947
Pre-tax net operating income	$1,110,000	5,116
Securities gains (losses)	$59,000	1,620
Applicable income taxes	$256,000	5,584
Income before extraordinary items	$913,000	4,782
Extraordinary gains, net	$0	32
Net income	$913,000	4,781
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$193,000	2,501
Cash dividends	$380,000	4,120
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$866,980	4,859
1997-12-31 (YTD Data)		Rank
Total interest income	$6,704,000	4,659
Total interest expense	$2,592,000	5,278
Net interest income	$4,112,000	4,144
Provision for loan and lease losses	$111,000	4,950
Total noninterest income	$521,000	4,866
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$345,000	3,658
Trading account gains and fees	NA	NA
Additional Noninterest Income	$176,000	5,269
Total noninterest expense	$3,381,000	3,718
Salaries and employee benefits	$1,885,000	3,485
Premises and equipment expense	$581,000	3,239
Additional noninterest expense	$915,000	4,244
Pre-tax net operating income	$1,141,000	5,406
Securities gains (losses)	$49,000	1,354
Applicable income taxes	$262,000	6,137
Income before extraordinary items	$928,000	4,952
Extraordinary gains, net	$0	44
Net income	$928,000	4,953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$122,000	3,417
Cash dividends	$376,000	4,093
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$889,780	5,039
1996-12-31 (YTD Data)		Rank
Total interest income	$6,483,000	4,871
Total interest expense	$2,584,000	5,376
Net interest income	$3,899,000	4,423
Provision for loan and lease losses	$96,000	5,205
Total noninterest income	$452,000	5,522
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$321,000	4,020
Trading account gains and fees	NA	NA
Additional Noninterest Income	$131,000	6,361
Total noninterest expense	$3,221,000	4,073
Salaries and employee benefits	$1,796,000	3,676
Premises and equipment expense	$520,000	3,659
Additional noninterest expense	$905,000	4,727
Pre-tax net operating income	$1,034,000	5,617
Securities gains (losses)	$137,000	830
Applicable income taxes	$249,000	6,469
Income before extraordinary items	$922,000	4,787
Extraordinary gains, net	$0	53
Net income	$922,000	4,788
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$118,000	3,617
Cash dividends	$373,000	4,074
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$813,770	5,176
1995-12-31 (YTD Data)		Rank
Total interest income	$6,273,000	5,003
Total interest expense	$2,428,000	5,697
Net interest income	$3,845,000	4,452
Provision for loan and lease losses	$98,000	4,693
Total noninterest income	$399,000	5,998
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$281,000	4,520
Trading account gains and fees	NA	NA
Additional Noninterest Income	$118,000	6,698
Total noninterest expense	$2,815,000	4,519
Salaries and employee benefits	$1,622,000	3,998
Premises and equipment expense	$410,000	4,442
Additional noninterest expense	$783,000	5,346
Pre-tax net operating income	$1,331,000	4,874
Securities gains (losses)	$5,000	2,809
Applicable income taxes	$297,000	6,032
Income before extraordinary items	$1,039,000	4,441
Extraordinary gains, net	$0	65
Net income	$1,039,000	4,439
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	4,184
Cash dividends	$368,000	4,084
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,035,100	4,455
1994-12-31 (YTD Data)		Rank
Total interest income	$6,254,000	4,685
Total interest expense	$2,052,000	5,490
Net interest income	$4,202,000	4,187
Provision for loan and lease losses	$60,000	5,594
Total noninterest income	$397,000	6,177
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$284,000	4,567
Trading account gains and fees	NA	NA
Additional Noninterest Income	$113,000	7,127
Total noninterest expense	$2,859,000	4,593
Salaries and employee benefits	$1,611,000	4,007
Premises and equipment expense	$280,000	6,002
Additional noninterest expense	$968,000	4,843
Pre-tax net operating income	$1,680,000	3,996
Securities gains (losses)	$15,000	1,966
Applicable income taxes	$489,000	4,125
Income before extraordinary items	$1,206,000	3,840
Extraordinary gains, net	$0	249
Net income	$1,206,000	3,846
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,780
Cash dividends	$360,000	3,991
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,195,350	3,902
1993-12-31 (YTD Data)		Rank
Total interest income	$6,543,000	4,585
Total interest expense	$2,234,000	5,306
Net interest income	$4,309,000	4,121
Provision for loan and lease losses	$170,000	4,340
Total noninterest income	$370,000	6,805
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$284,000	4,638
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	8,379
Total noninterest expense	$2,710,000	4,910
Salaries and employee benefits	$1,508,000	4,251
Premises and equipment expense	$224,000	7,205
Additional noninterest expense	$978,000	5,010
Pre-tax net operating income	$1,799,000	3,677
Securities gains (losses)	$0	7,477
Applicable income taxes	$610,000	3,549
Income before extraordinary items	$1,189,000	4,049
Extraordinary gains, net	$1,000	3,136
Net income	$1,190,000	4,151
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$103,000	4,497
Cash dividends	$341,000	4,061
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,189,000	3,853
1992-12-31 (YTD Data)		Rank
Total interest income	$6,529,000	5,122
Total interest expense	$2,642,000	5,733
Net interest income	$3,887,000	4,565
Provision for loan and lease losses	$400,000	3,453
Total noninterest income	$345,000	7,175
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$231,000	5,417
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	7,627
Total noninterest expense	$2,592,000	5,141
Salaries and employee benefits	$1,336,000	4,704
Premises and equipment expense	$221,000	7,368
Additional noninterest expense	$1,035,000	4,917
Pre-tax net operating income	$1,240,000	4,792
Securities gains (losses)	$0	8,369
Applicable income taxes	$263,000	6,460
Income before extraordinary items	$977,000	4,594
Extraordinary gains, net	$0	1,422
Net income	$977,000	4,641
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$175,000	4,515
Cash dividends	$272,000	4,282
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$977,000	4,270

* 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.