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CedarStone Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$12,788,000	2,506
Total interest expense	$4,536,000	2,140
Net interest income	$8,252,000	2,649
Provision for loan and lease losses	$181,000	2,070
Total noninterest income	$2,188,000	1,917
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$102,000	3,357
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,086,000	1,579
Total noninterest expense	$6,830,000	2,602
Salaries and employee benefits	$3,385,000	2,767
Premises and equipment expense	$1,085,000	1,933
Additional noninterest expense	$2,086,000	1,579
Pre-tax net operating income	$3,429,000	2,354
Securities gains (losses)	$0	988
Applicable income taxes	$339,000	2,148
Income before extraordinary items	$3,090,000	2,294
Extraordinary gains, net	$0	54
Net income	$3,090,000	2,318
Minority interest net income	$0	88
Net income of bank and minority interests.	$3,090,000	2,297
Net charge-offs	$-12,000	3,885
Cash dividends	$778,000	2,403
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$3,090,000	2,313
2023-09-30 (YTD Data)		Rank
Total interest income	$9,241,000	2,531
Total interest expense	$3,053,000	2,153
Net interest income	$6,188,000	2,670
Provision for loan and lease losses	$108,000	2,087
Total noninterest income	$1,940,000	1,763
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$77,000	3,352
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,863,000	1,414
Total noninterest expense	$5,000,000	2,620
Salaries and employee benefits	$2,480,000	2,791
Premises and equipment expense	$804,000	1,955
Additional noninterest expense	$1,863,000	1,414
Pre-tax net operating income	$3,020,000	2,219
Securities gains (losses)	$0	849
Applicable income taxes	$266,000	2,186
Income before extraordinary items	$2,754,000	2,148
Extraordinary gains, net	$0	52
Net income	$2,754,000	2,169
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,754,000	2,150
Net charge-offs	$-18,000	3,972
Cash dividends	$778,000	1,896
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$2,754,000	2,172
2023-06-30 (YTD Data)		Rank
Total interest income	$5,946,000	2,552
Total interest expense	$1,805,000	2,141
Net interest income	$4,141,000	2,684
Provision for loan and lease losses	$61,000	2,085
Total noninterest income	$1,701,000	1,443
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$54,000	3,316
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,647,000	1,122
Total noninterest expense	$3,299,000	2,622
Salaries and employee benefits	$1,651,000	2,796
Premises and equipment expense	$528,000	1,953
Additional noninterest expense	$1,647,000	1,121
Pre-tax net operating income	$2,482,000	1,964
Securities gains (losses)	$0	938
Applicable income taxes	$173,000	2,219
Income before extraordinary items	$2,309,000	1,878
Extraordinary gains, net	$0	51
Net income	$2,309,000	1,902
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,309,000	1,878
Net charge-offs	$-14,000	4,006
Cash dividends	$778,000	1,595
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,309,000	1,885
2023-03-31 (YTD Data)		Rank
Total interest income	$2,869,000	2,580
Total interest expense	$788,000	2,120
Net interest income	$2,081,000	2,697
Provision for loan and lease losses	$19,000	2,153
Total noninterest income	$1,440,000	1,028
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$26,000	3,350
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,414,000	771
Total noninterest expense	$1,657,000	2,634
Salaries and employee benefits	$799,000	2,882
Premises and equipment expense	$253,000	2,033
Additional noninterest expense	$1,414,000	771
Pre-tax net operating income	$1,845,000	1,559
Securities gains (losses)	$0	950
Applicable income taxes	$76,000	2,344
Income before extraordinary items	$1,769,000	1,405
Extraordinary gains, net	$0	4
Net income	$1,769,000	1,404
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,769,000	1,405
Net charge-offs	$-11,000	4,071
Cash dividends	$200,000	1,791
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,769,000	1,418
2022-12-31 (YTD Data)		Rank
Total interest income	$9,542,000	2,582
Total interest expense	$1,142,000	2,242
Net interest income	$8,400,000	2,608
Provision for loan and lease losses	$-1,008,000	4,617
Total noninterest income	$948,000	2,878
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$106,000	3,392
Trading account gains and fees	NA	NA
Additional Noninterest Income	$842,000	2,527
Total noninterest expense	$6,315,000	2,672
Salaries and employee benefits	$3,056,000	2,910
Premises and equipment expense	$1,031,000	1,978
Additional noninterest expense	$842,000	2,527
Pre-tax net operating income	$4,041,000	2,298
Securities gains (losses)	$-963,000	4,450
Applicable income taxes	$450,000	2,101
Income before extraordinary items	$2,628,000	2,615
Extraordinary gains, net	$0	5
Net income	$2,628,000	2,612
Minority interest net income	$0	63
Net income of bank and minority interests.	$2,628,000	2,614
Net charge-offs	$119,000	1,153
Cash dividends	$711,000	2,438
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$3,446,550	2,314
2022-09-30 (YTD Data)		Rank
Total interest income	$6,829,000	2,597
Total interest expense	$631,000	2,337
Net interest income	$6,198,000	2,607
Provision for loan and lease losses	$-1,008,000	4,658
Total noninterest income	$714,000	2,902
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$80,000	3,417
Trading account gains and fees	NA	NA
Additional Noninterest Income	$634,000	2,540
Total noninterest expense	$4,563,000	2,727
Salaries and employee benefits	$2,180,000	2,975
Premises and equipment expense	$759,000	2,009
Additional noninterest expense	$634,000	2,540
Pre-tax net operating income	$3,357,000	2,151
Securities gains (losses)	$-1,039,000	4,566
Applicable income taxes	$340,000	2,105
Income before extraordinary items	$1,978,000	2,594
Extraordinary gains, net	$0	4
Net income	$1,978,000	2,592
Minority interest net income	$0	57
Net income of bank and minority interests.	$1,978,000	2,593
Net charge-offs	$66,000	1,095
Cash dividends	$711,000	1,943
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$2,861,150	2,167
2022-06-30 (YTD Data)		Rank
Total interest income	$4,406,000	2,606
Total interest expense	$381,000	2,335
Net interest income	$4,025,000	2,613
Provision for loan and lease losses	$0	2,599
Total noninterest income	$454,000	2,947
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$53,000	3,442
Trading account gains and fees	NA	NA
Additional Noninterest Income	$401,000	2,635
Total noninterest expense	$3,029,000	2,723
Salaries and employee benefits	$1,456,000	2,974
Premises and equipment expense	$489,000	2,046
Additional noninterest expense	$1,084,000	2,476
Pre-tax net operating income	$1,450,000	2,602
Securities gains (losses)	$0	687
Applicable income taxes	$313,000	1,821
Income before extraordinary items	$1,137,000	2,681
Extraordinary gains, net	$0	4
Net income	$1,137,000	2,679
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,137,000	2,681
Net charge-offs	$67,000	855
Cash dividends	$511,000	1,862
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,137,000	2,716
2022-03-31 (YTD Data)		Rank
Total interest income	$2,160,000	2,595
Total interest expense	$202,000	2,199
Net interest income	$1,958,000	2,616
Provision for loan and lease losses	$0	2,285
Total noninterest income	$205,000	3,023
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$24,000	3,535
Trading account gains and fees	NA	NA
Additional Noninterest Income	$181,000	2,685
Total noninterest expense	$1,485,000	2,749
Salaries and employee benefits	$723,000	2,987
Premises and equipment expense	$244,000	2,058
Additional noninterest expense	$518,000	2,526
Pre-tax net operating income	$678,000	2,589
Securities gains (losses)	$0	623
Applicable income taxes	$147,000	1,814
Income before extraordinary items	$531,000	2,688
Extraordinary gains, net	$0	4
Net income	$531,000	2,685
Minority interest net income	$0	50
Net income of bank and minority interests.	$531,000	2,688
Net charge-offs	$4,000	1,408
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$531,000	2,707
2021-12-31 (YTD Data)		Rank
Total interest income	$9,450,000	2,547
Total interest expense	$1,086,000	2,095
Net interest income	$8,364,000	2,583
Provision for loan and lease losses	$437,000	1,158
Total noninterest income	$1,069,000	2,892
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$90,000	3,561
Trading account gains and fees	NA	NA
Additional Noninterest Income	$979,000	2,658
Total noninterest expense	$5,978,000	2,742
Salaries and employee benefits	$2,782,000	3,050
Premises and equipment expense	$980,000	2,057
Additional noninterest expense	$2,216,000	2,417
Pre-tax net operating income	$3,018,000	2,679
Securities gains (losses)	$0	2,062
Applicable income taxes	$658,000	1,916
Income before extraordinary items	$2,360,000	2,821
Extraordinary gains, net	$0	10
Net income	$2,360,000	2,822
Minority interest net income	$0	74
Net income of bank and minority interests.	$2,360,000	2,822
Net charge-offs	$17,000	2,122
Cash dividends	$447,000	2,884
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$2,360,000	2,795
2021-09-30 (YTD Data)		Rank
Total interest income	$7,306,000	2,539
Total interest expense	$870,000	2,082
Net interest income	$6,436,000	2,584
Provision for loan and lease losses	$437,000	930
Total noninterest income	$805,000	2,942
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$68,000	3,575
Trading account gains and fees	NA	NA
Additional Noninterest Income	$737,000	2,676
Total noninterest expense	$4,483,000	2,747
Salaries and employee benefits	$2,095,000	3,055
Premises and equipment expense	$735,000	2,086
Additional noninterest expense	$1,653,000	2,422
Pre-tax net operating income	$2,321,000	2,771
Securities gains (losses)	$0	2,015
Applicable income taxes	$594,000	1,862
Income before extraordinary items	$1,727,000	2,975
Extraordinary gains, net	$0	8
Net income	$1,727,000	2,975
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,727,000	2,975
Net charge-offs	$21,000	1,716
Cash dividends	$447,000	2,410
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$1,727,000	2,949
2021-06-30 (YTD Data)		Rank
Total interest income	$4,808,000	2,567
Total interest expense	$610,000	2,084
Net interest income	$4,198,000	2,616
Provision for loan and lease losses	$437,000	693
Total noninterest income	$530,000	2,930
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$46,000	3,534
Trading account gains and fees	NA	NA
Additional Noninterest Income	$484,000	2,673
Total noninterest expense	$2,894,000	2,793
Salaries and employee benefits	$1,367,000	3,088
Premises and equipment expense	$470,000	2,128
Additional noninterest expense	$1,057,000	2,472
Pre-tax net operating income	$1,397,000	2,862
Securities gains (losses)	$0	1,818
Applicable income taxes	$306,000	2,006
Income before extraordinary items	$1,091,000	3,028
Extraordinary gains, net	$0	6
Net income	$1,091,000	3,027
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,091,000	3,028
Net charge-offs	$20,000	1,503
Cash dividends	$447,000	2,063
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,091,000	3,008
2021-03-31 (YTD Data)		Rank
Total interest income	$2,449,000	2,536
Total interest expense	$325,000	2,066
Net interest income	$2,124,000	2,576
Provision for loan and lease losses	$282,000	636
Total noninterest income	$264,000	2,921
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$24,000	3,483
Trading account gains and fees	NA	NA
Additional Noninterest Income	$240,000	2,667
Total noninterest expense	$1,429,000	2,815
Salaries and employee benefits	$683,000	3,079
Premises and equipment expense	$235,000	2,137
Additional noninterest expense	$511,000	2,494
Pre-tax net operating income	$677,000	2,879
Securities gains (losses)	$0	1,392
Applicable income taxes	$143,000	2,045
Income before extraordinary items	$534,000	3,035
Extraordinary gains, net	$0	3
Net income	$534,000	3,033
Minority interest net income	$0	55
Net income of bank and minority interests.	$534,000	3,035
Net charge-offs	$25,000	1,071
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$534,000	3,011
2020-12-31 (YTD Data)		Rank
Total interest income	$9,490,000	2,595
Total interest expense	$1,693,000	2,196
Net interest income	$7,797,000	2,647
Provision for loan and lease losses	$560,000	2,129
Total noninterest income	$745,000	3,201
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$102,000	3,552
Trading account gains and fees	NA	NA
Additional Noninterest Income	$643,000	2,900
Total noninterest expense	$5,491,000	2,843
Salaries and employee benefits	$2,511,000	3,207
Premises and equipment expense	$946,000	2,103
Additional noninterest expense	$2,034,000	2,505
Pre-tax net operating income	$2,491,000	2,676
Securities gains (losses)	$0	2,675
Applicable income taxes	$489,000	1,957
Income before extraordinary items	$2,002,000	2,833
Extraordinary gains, net	$0	4
Net income	$2,002,000	2,832
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,002,000	2,833
Net charge-offs	$121,000	1,874
Cash dividends	$370,000	3,049
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$2,002,000	2,784
2020-09-30 (YTD Data)		Rank
Total interest income	$7,033,000	2,633
Total interest expense	$1,318,000	2,243
Net interest income	$5,715,000	2,688
Provision for loan and lease losses	$330,000	2,335
Total noninterest income	$557,000	3,183
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$77,000	3,564
Trading account gains and fees	NA	NA
Additional Noninterest Income	$480,000	2,877
Total noninterest expense	$4,082,000	2,843
Salaries and employee benefits	$1,877,000	3,205
Premises and equipment expense	$701,000	2,116
Additional noninterest expense	$1,504,000	2,499
Pre-tax net operating income	$1,860,000	2,689
Securities gains (losses)	$0	2,494
Applicable income taxes	$356,000	1,964
Income before extraordinary items	$1,504,000	2,821
Extraordinary gains, net	$0	4
Net income	$1,504,000	2,820
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,504,000	2,821
Net charge-offs	$110,000	1,607
Cash dividends	$370,000	2,577
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,504,000	2,776
2020-06-30 (YTD Data)		Rank
Total interest income	$4,666,000	2,675
Total interest expense	$905,000	2,299
Net interest income	$3,761,000	2,726
Provision for loan and lease losses	$200,000	2,381
Total noninterest income	$360,000	3,193
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$53,000	3,563
Trading account gains and fees	NA	NA
Additional Noninterest Income	$307,000	2,892
Total noninterest expense	$2,692,000	2,868
Salaries and employee benefits	$1,242,000	3,220
Premises and equipment expense	$470,000	2,109
Additional noninterest expense	$980,000	2,550
Pre-tax net operating income	$1,229,000	2,657
Securities gains (losses)	$0	2,249
Applicable income taxes	$227,000	1,959
Income before extraordinary items	$1,002,000	2,809
Extraordinary gains, net	$0	4
Net income	$1,002,000	2,808
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,002,000	2,809
Net charge-offs	$62,000	1,607
Cash dividends	$370,000	2,239
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,002,000	2,759
2020-03-31 (YTD Data)		Rank
Total interest income	$2,285,000	2,713
Total interest expense	$490,000	2,315
Net interest income	$1,795,000	2,770
Provision for loan and lease losses	$80,000	2,135
Total noninterest income	$177,000	3,162
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$34,000	3,510
Trading account gains and fees	NA	NA
Additional Noninterest Income	$143,000	2,815
Total noninterest expense	$1,350,000	2,884
Salaries and employee benefits	$623,000	3,243
Premises and equipment expense	$240,000	2,102
Additional noninterest expense	$487,000	2,589
Pre-tax net operating income	$542,000	2,680
Securities gains (losses)	$0	1,705
Applicable income taxes	$75,000	2,147
Income before extraordinary items	$467,000	2,722
Extraordinary gains, net	$0	4
Net income	$467,000	2,721
Minority interest net income	$0	56
Net income of bank and minority interests.	$467,000	2,723
Net charge-offs	$-8,000	4,381
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$467,000	2,710
2019-12-31 (YTD Data)		Rank
Total interest income	$9,052,000	2,750
Total interest expense	$2,025,000	2,317
Net interest income	$7,027,000	2,834
Provision for loan and lease losses	$86,000	3,056
Total noninterest income	$782,000	3,129
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$158,000	3,440
Trading account gains and fees	NA	NA
Additional Noninterest Income	$624,000	2,797
Total noninterest expense	$5,396,000	2,873
Salaries and employee benefits	$2,558,000	3,193
Premises and equipment expense	$941,000	2,117
Additional noninterest expense	$1,897,000	2,652
Pre-tax net operating income	$2,327,000	2,845
Securities gains (losses)	$0	2,379
Applicable income taxes	$524,000	1,943
Income before extraordinary items	$1,803,000	3,040
Extraordinary gains, net	$0	11
Net income	$1,803,000	3,039
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,803,000	3,041
Net charge-offs	$134,000	2,009
Cash dividends	$320,000	3,288
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,803,000	3,005
2019-09-30 (YTD Data)		Rank
Total interest income	$6,762,000	2,790
Total interest expense	$1,537,000	2,313
Net interest income	$5,225,000	2,884
Provision for loan and lease losses	$76,000	2,838
Total noninterest income	$579,000	3,168
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$119,000	3,471
Trading account gains and fees	NA	NA
Additional Noninterest Income	$460,000	2,816
Total noninterest expense	$3,990,000	2,912
Salaries and employee benefits	$1,910,000	3,224
Premises and equipment expense	$695,000	2,157
Additional noninterest expense	$1,385,000	2,707
Pre-tax net operating income	$1,738,000	2,921
Securities gains (losses)	$0	2,167
Applicable income taxes	$391,000	2,013
Income before extraordinary items	$1,347,000	3,103
Extraordinary gains, net	$0	11
Net income	$1,347,000	3,103
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,347,000	3,103
Net charge-offs	$108,000	1,717
Cash dividends	$320,000	2,844
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,347,000	3,070
2019-06-30 (YTD Data)		Rank
Total interest income	$4,473,000	2,809
Total interest expense	$1,017,000	2,316
Net interest income	$3,456,000	2,915
Provision for loan and lease losses	$65,000	2,518
Total noninterest income	$371,000	3,174
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$80,000	3,469
Trading account gains and fees	NA	NA
Additional Noninterest Income	$291,000	2,837
Total noninterest expense	$2,621,000	2,960
Salaries and employee benefits	$1,262,000	3,246
Premises and equipment expense	$442,000	2,237
Additional noninterest expense	$917,000	2,751
Pre-tax net operating income	$1,141,000	2,913
Securities gains (losses)	$0	1,702
Applicable income taxes	$260,000	1,983
Income before extraordinary items	$881,000	3,122
Extraordinary gains, net	$0	11
Net income	$881,000	3,120
Minority interest net income	$0	69
Net income of bank and minority interests.	$881,000	3,120
Net charge-offs	$105,000	1,385
Cash dividends	$320,000	2,528
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$881,000	3,096
2019-03-31 (YTD Data)		Rank
Total interest income	$2,234,000	2,828
Total interest expense	$499,000	2,308
Net interest income	$1,735,000	2,932
Provision for loan and lease losses	$32,000	2,376
Total noninterest income	$180,000	3,172
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$42,000	3,414
Trading account gains and fees	NA	NA
Additional Noninterest Income	$138,000	2,853
Total noninterest expense	$1,306,000	2,980
Salaries and employee benefits	$624,000	3,311
Premises and equipment expense	$223,000	2,243
Additional noninterest expense	$459,000	2,744
Pre-tax net operating income	$577,000	2,870
Securities gains (losses)	$0	1,087
Applicable income taxes	$132,000	1,932
Income before extraordinary items	$445,000	3,062
Extraordinary gains, net	$0	5
Net income	$445,000	3,059
Minority interest net income	$0	52
Net income of bank and minority interests.	$445,000	3,061
Net charge-offs	$5,000	2,211
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$445,000	3,049
2018-12-31 (YTD Data)		Rank
Total interest income	$8,370,000	2,856
Total interest expense	$1,414,000	2,434
Net interest income	$6,956,000	2,917
Provision for loan and lease losses	$230,000	2,245
Total noninterest income	$636,000	3,476
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$174,000	3,492
Trading account gains and fees	NA	NA
Additional Noninterest Income	$462,000	3,167
Total noninterest expense	$5,289,000	2,945
Salaries and employee benefits	$2,447,000	3,313
Premises and equipment expense	$886,000	2,221
Additional noninterest expense	$1,956,000	2,623
Pre-tax net operating income	$2,073,000	3,082
Securities gains (losses)	$0	1,125
Applicable income taxes	$451,000	2,077
Income before extraordinary items	$1,622,000	3,254
Extraordinary gains, net	$0	6
Net income	$1,622,000	3,253
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,622,000	3,253
Net charge-offs	$45,000	2,692
Cash dividends	$268,000	3,440
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,622,000	3,252
2018-09-30 (YTD Data)		Rank
Total interest income	$6,228,000	2,866
Total interest expense	$978,000	2,475
Net interest income	$5,250,000	2,911
Provision for loan and lease losses	$223,000	1,903
Total noninterest income	$456,000	3,557
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$128,000	3,545
Trading account gains and fees	NA	NA
Additional Noninterest Income	$328,000	3,282
Total noninterest expense	$3,884,000	2,999
Salaries and employee benefits	$1,791,000	3,352
Premises and equipment expense	$646,000	2,272
Additional noninterest expense	$1,447,000	2,673
Pre-tax net operating income	$1,599,000	3,095
Securities gains (losses)	$0	1,118
Applicable income taxes	$354,000	2,096
Income before extraordinary items	$1,245,000	3,263
Extraordinary gains, net	$0	5
Net income	$1,245,000	3,262
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,245,000	3,262
Net charge-offs	$63,000	2,037
Cash dividends	$268,000	2,931
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,245,000	3,261
2018-06-30 (YTD Data)		Rank
Total interest income	$4,110,000	2,874
Total interest expense	$611,000	2,493
Net interest income	$3,499,000	2,919
Provision for loan and lease losses	$148,000	1,859
Total noninterest income	$289,000	3,640
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$84,000	3,559
Trading account gains and fees	NA	NA
Additional Noninterest Income	$205,000	3,364
Total noninterest expense	$2,590,000	3,021
Salaries and employee benefits	$1,185,000	3,391
Premises and equipment expense	$418,000	2,334
Additional noninterest expense	$987,000	2,643
Pre-tax net operating income	$1,050,000	3,090
Securities gains (losses)	$0	961
Applicable income taxes	$233,000	2,078
Income before extraordinary items	$817,000	3,259
Extraordinary gains, net	$0	6
Net income	$817,000	3,258
Minority interest net income	$0	65
Net income of bank and minority interests.	$817,000	3,258
Net charge-offs	$18,000	2,302
Cash dividends	$268,000	2,589
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$817,000	3,250
2018-03-31 (YTD Data)		Rank
Total interest income	$1,998,000	2,930
Total interest expense	$293,000	2,498
Net interest income	$1,705,000	2,978
Provision for loan and lease losses	$51,000	2,048
Total noninterest income	$140,000	3,674
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$39,000	3,676
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	3,336
Total noninterest expense	$1,288,000	3,059
Salaries and employee benefits	$598,000	3,416
Premises and equipment expense	$213,000	2,351
Additional noninterest expense	$477,000	2,717
Pre-tax net operating income	$506,000	3,093
Securities gains (losses)	$0	735
Applicable income taxes	$110,000	2,091
Income before extraordinary items	$396,000	3,268
Extraordinary gains, net	$0	7
Net income	$396,000	3,268
Minority interest net income	$0	52
Net income of bank and minority interests.	$396,000	3,268
Net charge-offs	$12,000	1,889
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$396,000	3,270
2017-12-31 (YTD Data)		Rank
Total interest income	$7,499,000	2,998
Total interest expense	$955,000	2,614
Net interest income	$6,544,000	3,017
Provision for loan and lease losses	$57,000	3,499
Total noninterest income	$539,000	3,841
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$152,000	3,812
Trading account gains and fees	NA	NA
Additional Noninterest Income	$387,000	3,497
Total noninterest expense	$5,058,000	3,070
Salaries and employee benefits	$2,397,000	3,412
Premises and equipment expense	$830,000	2,391
Additional noninterest expense	$1,831,000	2,818
Pre-tax net operating income	$1,968,000	3,151
Securities gains (losses)	$2,000	1,996
Applicable income taxes	$618,000	2,265
Income before extraordinary items	$1,352,000	3,302
Extraordinary gains, net	$0	9
Net income	$1,352,000	3,300
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,352,000	3,302
Net charge-offs	$232,000	1,705
Cash dividends	$230,000	3,572
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,350,620	3,280
2017-09-30 (YTD Data)		Rank
Total interest income	$5,574,000	3,027
Total interest expense	$686,000	2,674
Net interest income	$4,888,000	3,046
Provision for loan and lease losses	$57,000	3,147
Total noninterest income	$399,000	3,877
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$112,000	3,871
Trading account gains and fees	NA	NA
Additional Noninterest Income	$287,000	3,538
Total noninterest expense	$3,755,000	3,104
Salaries and employee benefits	$1,780,000	3,438
Premises and equipment expense	$617,000	2,420
Additional noninterest expense	$1,358,000	2,836
Pre-tax net operating income	$1,475,000	3,212
Securities gains (losses)	$2,000	2,024
Applicable income taxes	$491,000	2,087
Income before extraordinary items	$986,000	3,572
Extraordinary gains, net	$0	9
Net income	$986,000	3,572
Minority interest net income	$0	71
Net income of bank and minority interests.	$986,000	3,572
Net charge-offs	$226,000	1,312
Cash dividends	$230,000	3,053
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$984,660	3,550
2017-06-30 (YTD Data)		Rank
Total interest income	$3,646,000	3,055
Total interest expense	$428,000	2,744
Net interest income	$3,218,000	3,059
Provision for loan and lease losses	$6,000	3,724
Total noninterest income	$260,000	3,934
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$74,000	3,892
Trading account gains and fees	NA	NA
Additional Noninterest Income	$186,000	3,578
Total noninterest expense	$2,518,000	3,116
Salaries and employee benefits	$1,194,000	3,451
Premises and equipment expense	$413,000	2,420
Additional noninterest expense	$911,000	2,839
Pre-tax net operating income	$954,000	3,206
Securities gains (losses)	$1,000	1,756
Applicable income taxes	$334,000	2,054
Income before extraordinary items	$621,000	3,614
Extraordinary gains, net	$0	11
Net income	$621,000	3,612
Minority interest net income	$0	71
Net income of bank and minority interests.	$621,000	3,614
Net charge-offs	$3,000	3,240
Cash dividends	$230,000	2,732
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$620,350	3,590
2017-03-31 (YTD Data)		Rank
Total interest income	$1,794,000	3,093
Total interest expense	$209,000	2,773
Net interest income	$1,585,000	3,098
Provision for loan and lease losses	$0	3,537
Total noninterest income	$126,000	3,970
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$38,000	3,866
Trading account gains and fees	NA	NA
Additional Noninterest Income	$88,000	3,635
Total noninterest expense	$1,253,000	3,160
Salaries and employee benefits	$595,000	3,506
Premises and equipment expense	$206,000	2,465
Additional noninterest expense	$452,000	2,867
Pre-tax net operating income	$458,000	3,218
Securities gains (losses)	$1,000	1,030
Applicable income taxes	$160,000	2,055
Income before extraordinary items	$299,000	3,610
Extraordinary gains, net	$0	8
Net income	$299,000	3,609
Minority interest net income	$0	55
Net income of bank and minority interests.	$299,000	3,610
Net charge-offs	$4,000	2,506
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$298,350	3,597
2016-12-31 (YTD Data)		Rank
Total interest income	$6,989,000	3,128
Total interest expense	$818,000	2,780
Net interest income	$6,171,000	3,139
Provision for loan and lease losses	$0	4,332
Total noninterest income	$491,000	4,114
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$155,000	3,927
Trading account gains and fees	$0	170
Additional Noninterest Income	$336,000	3,803
Total noninterest expense	$4,971,000	3,191
Salaries and employee benefits	$2,411,000	3,470
Premises and equipment expense	$840,000	2,410
Additional noninterest expense	$1,720,000	3,046
Pre-tax net operating income	$1,691,000	3,339
Securities gains (losses)	$10,000	2,659
Applicable income taxes	$573,000	2,145
Income before extraordinary items	$1,128,000	3,732
Extraordinary gains, net	$0	5
Net income	$1,128,000	3,730
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,128,000	3,731
Net charge-offs	$-7,000	4,917
Cash dividends	$192,000	3,717
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,121,400	3,687
2016-09-30 (YTD Data)		Rank
Total interest income	$5,208,000	3,152
Total interest expense	$613,000	2,782
Net interest income	$4,595,000	3,162
Provision for loan and lease losses	$18,000	3,875
Total noninterest income	$372,000	4,127
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$122,000	3,879
Trading account gains and fees	$0	169
Additional Noninterest Income	$250,000	3,828
Total noninterest expense	$3,732,000	3,196
Salaries and employee benefits	$1,829,000	3,446
Premises and equipment expense	$619,000	2,443
Additional noninterest expense	$1,284,000	3,057
Pre-tax net operating income	$1,217,000	3,453
Securities gains (losses)	$10,000	2,582
Applicable income taxes	$426,000	2,184
Income before extraordinary items	$801,000	3,848
Extraordinary gains, net	$0	5
Net income	$801,000	3,846
Minority interest net income	$0	71
Net income of bank and minority interests.	$801,000	3,848
Net charge-offs	$-16,000	5,038
Cash dividends	$192,000	3,173
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$794,500	3,793
2016-06-30 (YTD Data)		Rank
Total interest income	$3,452,000	3,171
Total interest expense	$402,000	2,818
Net interest income	$3,050,000	3,177
Provision for loan and lease losses	$0	4,017
Total noninterest income	$240,000	4,179
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$80,000	3,914
Trading account gains and fees	$0	157
Additional Noninterest Income	$160,000	3,905
Total noninterest expense	$2,515,000	3,189
Salaries and employee benefits	$1,231,000	3,442
Premises and equipment expense	$419,000	2,426
Additional noninterest expense	$865,000	3,065
Pre-tax net operating income	$775,000	3,505
Securities gains (losses)	$10,000	2,238
Applicable income taxes	$293,000	2,153
Income before extraordinary items	$492,000	3,983
Extraordinary gains, net	$0	16
Net income	$492,000	3,981
Minority interest net income	$0	71
Net income of bank and minority interests.	$492,000	3,982
Net charge-offs	$-14,000	5,094
Cash dividends	$192,000	2,896
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$485,600	3,935
2016-03-31 (YTD Data)		Rank
Total interest income	$1,719,000	3,187
Total interest expense	$203,000	2,809
Net interest income	$1,516,000	3,200
Provision for loan and lease losses	$0	3,656
Total noninterest income	$118,000	4,190
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$42,000	3,837
Trading account gains and fees	$0	142
Additional Noninterest Income	$76,000	3,926
Total noninterest expense	$1,232,000	3,255
Salaries and employee benefits	$616,000	3,472
Premises and equipment expense	$220,000	2,369
Additional noninterest expense	$396,000	3,257
Pre-tax net operating income	$402,000	3,395
Securities gains (losses)	$10,000	1,503
Applicable income taxes	$155,000	2,072
Income before extraordinary items	$257,000	3,885
Extraordinary gains, net	$0	12
Net income	$257,000	3,882
Minority interest net income	$0	62
Net income of bank and minority interests.	$257,000	3,883
Net charge-offs	$-22,000	5,496
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$250,600	3,861
2015-12-31 (YTD Data)		Rank
Total interest income	$7,716,000	2,906
Total interest expense	$817,000	2,786
Net interest income	$6,899,000	2,888
Provision for loan and lease losses	$83,000	3,237
Total noninterest income	$550,000	4,031
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$236,000	3,445
Trading account gains and fees	$0	159
Additional Noninterest Income	$314,000	3,919
Total noninterest expense	$4,867,000	3,287
Salaries and employee benefits	$2,431,000	3,478
Premises and equipment expense	$793,000	2,576
Additional noninterest expense	$1,643,000	3,210
Pre-tax net operating income	$2,499,000	2,631
Securities gains (losses)	$4,000	2,883
Applicable income taxes	$985,000	1,606
Income before extraordinary items	$1,518,000	3,206
Extraordinary gains, net	$0	23
Net income	$1,518,000	3,207
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,518,000	3,208
Net charge-offs	$44,000	3,344
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,515,440	3,158
2015-09-30 (YTD Data)		Rank
Total interest income	$6,018,000	2,850
Total interest expense	$617,000	2,809
Net interest income	$5,401,000	2,822
Provision for loan and lease losses	$109,000	2,592
Total noninterest income	$411,000	4,067
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$179,000	3,445
Trading account gains and fees	$0	153
Additional Noninterest Income	$232,000	3,970
Total noninterest expense	$3,614,000	3,323
Salaries and employee benefits	$1,817,000	3,498
Premises and equipment expense	$551,000	2,769
Additional noninterest expense	$1,246,000	3,197
Pre-tax net operating income	$2,089,000	2,491
Securities gains (losses)	$3,000	2,757
Applicable income taxes	$831,000	1,553
Income before extraordinary items	$1,261,000	3,086
Extraordinary gains, net	$0	21
Net income	$1,261,000	3,086
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,261,000	3,087
Net charge-offs	$35,000	3,030
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,259,080	3,043
2015-06-30 (YTD Data)		Rank
Total interest income	$3,442,000	3,185
Total interest expense	$411,000	2,826
Net interest income	$3,031,000	3,199
Provision for loan and lease losses	$79,000	2,489
Total noninterest income	$277,000	4,063
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$123,000	3,387
Trading account gains and fees	$0	157
Additional Noninterest Income	$154,000	3,992
Total noninterest expense	$2,434,000	3,326
Salaries and employee benefits	$1,223,000	3,501
Premises and equipment expense	$350,000	2,866
Additional noninterest expense	$861,000	3,157
Pre-tax net operating income	$795,000	3,439
Securities gains (losses)	$3,000	2,361
Applicable income taxes	$316,000	2,078
Income before extraordinary items	$482,000	4,032
Extraordinary gains, net	$0	22
Net income	$482,000	4,033
Minority interest net income	$0	75
Net income of bank and minority interests.	$482,000	4,034
Net charge-offs	$20,000	2,945
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$480,080	3,980
2015-03-31 (YTD Data)		Rank
Total interest income	$1,715,000	3,197
Total interest expense	$205,000	2,846
Net interest income	$1,510,000	3,206
Provision for loan and lease losses	$49,000	2,138
Total noninterest income	$161,000	3,785
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$63,000	3,309
Trading account gains and fees	$0	152
Additional Noninterest Income	$98,000	3,626
Total noninterest expense	$1,245,000	3,294
Salaries and employee benefits	$615,000	3,515
Premises and equipment expense	$174,000	2,909
Additional noninterest expense	$456,000	3,002
Pre-tax net operating income	$377,000	3,478
Securities gains (losses)	$3,000	1,758
Applicable income taxes	$149,000	2,096
Income before extraordinary items	$231,000	4,070
Extraordinary gains, net	$0	13
Net income	$231,000	4,074
Minority interest net income	$0	64
Net income of bank and minority interests.	$231,000	4,074
Net charge-offs	$11,000	2,441
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$229,080	4,009
2014-12-31 (YTD Data)		Rank
Total interest income	$6,878,000	3,224
Total interest expense	$967,000	2,637
Net interest income	$5,911,000	3,284
Provision for loan and lease losses	$-6,000	5,890
Total noninterest income	$402,000	4,621
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$193,000	3,967
Trading account gains and fees	$0	180
Additional Noninterest Income	$209,000	4,480
Total noninterest expense	$5,127,000	3,258
Salaries and employee benefits	$2,354,000	3,636
Premises and equipment expense	$737,000	2,813
Additional noninterest expense	$2,036,000	2,843
Pre-tax net operating income	$1,192,000	3,859
Securities gains (losses)	$236,000	728
Applicable income taxes	$583,000	2,062
Income before extraordinary items	$845,000	4,224
Extraordinary gains, net	$0	17
Net income	$845,000	4,224
Minority interest net income	$0	84
Net income of bank and minority interests.	$845,000	4,225
Net charge-offs	$186,000	2,540
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$693,960	4,461
2014-09-30 (YTD Data)		Rank
Total interest income	$5,133,000	3,263
Total interest expense	$752,000	2,607
Net interest income	$4,381,000	3,340
Provision for loan and lease losses	$62,000	3,240
Total noninterest income	$393,000	4,244
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$144,000	4,022
Trading account gains and fees	$0	174
Additional Noninterest Income	$249,000	3,911
Total noninterest expense	$3,843,000	3,278
Salaries and employee benefits	$1,755,000	3,649
Premises and equipment expense	$542,000	2,882
Additional noninterest expense	$1,546,000	2,815
Pre-tax net operating income	$869,000	3,993
Securities gains (losses)	$236,000	573
Applicable income taxes	$432,000	2,111
Income before extraordinary items	$673,000	4,189
Extraordinary gains, net	$0	15
Net income	$673,000	4,190
Minority interest net income	$0	81
Net income of bank and minority interests.	$673,000	4,190
Net charge-offs	$161,000	2,226
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$521,960	4,507
2014-06-30 (YTD Data)		Rank
Total interest income	$3,445,000	3,251
Total interest expense	$525,000	2,554
Net interest income	$2,920,000	3,337
Provision for loan and lease losses	$44,000	3,151
Total noninterest income	$247,000	4,343
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$86,000	4,212
Trading account gains and fees	$0	172
Additional Noninterest Income	$161,000	3,959
Total noninterest expense	$2,615,000	3,244
Salaries and employee benefits	$1,167,000	3,676
Premises and equipment expense	$353,000	2,945
Additional noninterest expense	$1,095,000	2,681
Pre-tax net operating income	$508,000	4,151
Securities gains (losses)	$211,000	470
Applicable income taxes	$268,000	2,129
Income before extraordinary items	$451,000	4,132
Extraordinary gains, net	$0	20
Net income	$451,000	4,138
Minority interest net income	$0	80
Net income of bank and minority interests.	$451,000	4,137
Net charge-offs	$154,000	1,820
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$315,960	4,606
2014-03-31 (YTD Data)		Rank
Total interest income	$1,716,000	3,263
Total interest expense	$266,000	2,555
Net interest income	$1,450,000	3,362
Provision for loan and lease losses	$12,000	3,289
Total noninterest income	$110,000	4,484
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$40,000	4,315
Trading account gains and fees	$0	147
Additional Noninterest Income	$70,000	4,105
Total noninterest expense	$1,219,000	3,442
Salaries and employee benefits	$588,000	3,686
Premises and equipment expense	$186,000	2,896
Additional noninterest expense	$445,000	3,163
Pre-tax net operating income	$329,000	3,656
Securities gains (losses)	$0	1,715
Applicable income taxes	$121,000	2,185
Income before extraordinary items	$208,000	4,178
Extraordinary gains, net	$0	16
Net income	$208,000	4,178
Minority interest net income	$0	66
Net income of bank and minority interests.	$208,000	4,180
Net charge-offs	$12,000	2,752
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$208,000	4,128
2013-12-31 (YTD Data)		Rank
Total interest income	$6,974,000	3,258
Total interest expense	$1,299,000	2,424
Net interest income	$5,675,000	3,391
Provision for loan and lease losses	$-292,000	6,515
Total noninterest income	$116,000	6,102
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$163,000	4,451
Trading account gains and fees	$0	184
Additional Noninterest Income	$-47,000	6,569
Total noninterest expense	$4,910,000	3,446
Salaries and employee benefits	$2,291,000	3,761
Premises and equipment expense	$744,000	2,847
Additional noninterest expense	$1,875,000	3,129
Pre-tax net operating income	$1,173,000	3,818
Securities gains (losses)	$81,000	1,475
Applicable income taxes	$442,000	2,284
Income before extraordinary items	$812,000	4,246
Extraordinary gains, net	$0	29
Net income	$812,000	4,248
Minority interest net income	$0	90
Net income of bank and minority interests.	$812,000	4,249
Net charge-offs	$5,000	5,225
Cash dividends	$197,000	3,619
Sale, conversion, retirement of capital stock, net	$-26,000	6,714
Net operating income	$759,350	4,276
2013-09-30 (YTD Data)		Rank
Total interest income	$5,160,000	3,319
Total interest expense	$996,000	2,451
Net interest income	$4,164,000	3,469
Provision for loan and lease losses	$-307,000	6,692
Total noninterest income	$3,000	6,722
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$123,000	4,466
Trading account gains and fees	$0	180
Additional Noninterest Income	$-120,000	6,747
Total noninterest expense	$3,603,000	3,515
Salaries and employee benefits	$1,715,000	3,771
Premises and equipment expense	$536,000	2,954
Additional noninterest expense	$1,352,000	3,211
Pre-tax net operating income	$871,000	3,914
Securities gains (losses)	$80,000	1,368
Applicable income taxes	$344,000	2,294
Income before extraordinary items	$607,000	4,287
Extraordinary gains, net	$0	25
Net income	$607,000	4,290
Minority interest net income	$0	84
Net income of bank and minority interests.	$607,000	4,291
Net charge-offs	$12,000	4,641
Cash dividends	$146,000	3,141
Sale, conversion, retirement of capital stock, net	$-26,000	6,814
Net operating income	$555,800	4,358
2013-06-30 (YTD Data)		Rank
Total interest income	$3,393,000	3,365
Total interest expense	$681,000	2,450
Net interest income	$2,712,000	3,520
Provision for loan and lease losses	$-317,000	6,785
Total noninterest income	$-83,000	6,857
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$84,000	4,418
Trading account gains and fees	$0	157
Additional Noninterest Income	$-167,000	6,841
Total noninterest expense	$2,403,000	3,539
Salaries and employee benefits	$1,135,000	3,809
Premises and equipment expense	$348,000	3,008
Additional noninterest expense	$920,000	3,154
Pre-tax net operating income	$543,000	4,001
Securities gains (losses)	$80,000	1,256
Applicable income taxes	$223,000	2,325
Income before extraordinary items	$400,000	4,317
Extraordinary gains, net	$0	22
Net income	$400,000	4,319
Minority interest net income	$0	82
Net income of bank and minority interests.	$400,000	4,320
Net charge-offs	$7,000	4,432
Cash dividends	$97,000	3,044
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$348,800	4,433
2013-03-31 (YTD Data)		Rank
Total interest income	$1,701,000	3,386
Total interest expense	$351,000	2,449
Net interest income	$1,350,000	3,550
Provision for loan and lease losses	$15,000	3,721
Total noninterest income	$125,000	4,489
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$41,000	4,435
Trading account gains and fees	$0	148
Additional Noninterest Income	$84,000	4,006
Total noninterest expense	$1,187,000	3,592
Salaries and employee benefits	$568,000	3,842
Premises and equipment expense	$173,000	3,049
Additional noninterest expense	$446,000	3,240
Pre-tax net operating income	$273,000	3,973
Securities gains (losses)	$36,000	1,059
Applicable income taxes	$109,000	2,317
Income before extraordinary items	$200,000	4,273
Extraordinary gains, net	$0	10
Net income	$200,000	4,276
Minority interest net income	$0	76
Net income of bank and minority interests.	$200,000	4,275
Net charge-offs	$-4,000	5,794
Cash dividends	$48,000	2,387
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$176,600	4,389
2012-12-31 (YTD Data)		Rank
Total interest income	$7,306,000	3,351
Total interest expense	$1,761,000	2,390
Net interest income	$5,545,000	3,557
Provision for loan and lease losses	$1,378,000	1,408
Total noninterest income	$266,000	5,377
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$162,000	4,643
Trading account gains and fees	$0	166
Additional Noninterest Income	$104,000	5,305
Total noninterest expense	$4,833,000	3,554
Salaries and employee benefits	$2,177,000	3,924
Premises and equipment expense	$690,000	3,061
Additional noninterest expense	$1,966,000	3,134
Pre-tax net operating income	$-400,000	6,459
Securities gains (losses)	$0	3,810
Applicable income taxes	$-1,558,000	6,993
Income before extraordinary items	$1,158,000	3,637
Extraordinary gains, net	$0	29
Net income	$1,158,000	3,638
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,158,000	3,640
Net charge-offs	$1,336,000	1,509
Cash dividends	$194,000	3,668
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,158,000	3,474
2012-09-30 (YTD Data)		Rank
Total interest income	$5,558,000	3,368
Total interest expense	$1,375,000	2,392
Net interest income	$4,183,000	3,605
Provision for loan and lease losses	$924,000	1,526
Total noninterest income	$171,000	5,607
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$120,000	4,730
Trading account gains and fees	$0	157
Additional Noninterest Income	$51,000	5,742
Total noninterest expense	$3,389,000	3,763
Salaries and employee benefits	$1,631,000	3,927
Premises and equipment expense	$513,000	3,110
Additional noninterest expense	$1,245,000	3,547
Pre-tax net operating income	$41,000	6,172
Securities gains (losses)	$0	3,575
Applicable income taxes	$-1,391,000	7,109
Income before extraordinary items	$1,432,000	2,720
Extraordinary gains, net	$0	20
Net income	$1,432,000	2,721
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,432,000	2,720
Net charge-offs	$984,000	1,485
Cash dividends	$145,000	3,130
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,432,000	2,595
2012-06-30 (YTD Data)		Rank
Total interest income	$3,691,000	3,393
Total interest expense	$937,000	2,428
Net interest income	$2,754,000	3,643
Provision for loan and lease losses	$864,000	1,230
Total noninterest income	$67,000	6,188
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$73,000	4,902
Trading account gains and fees	$0	153
Additional Noninterest Income	$-6,000	6,818
Total noninterest expense	$2,253,000	3,786
Salaries and employee benefits	$1,079,000	3,975
Premises and equipment expense	$327,000	3,221
Additional noninterest expense	$847,000	3,529
Pre-tax net operating income	$-296,000	6,684
Securities gains (losses)	$0	3,178
Applicable income taxes	$-1,525,000	7,189
Income before extraordinary items	$1,229,000	2,225
Extraordinary gains, net	$0	19
Net income	$1,229,000	2,225
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,229,000	2,225
Net charge-offs	$936,000	1,196
Cash dividends	$98,000	3,052
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,229,000	2,102
2012-03-31 (YTD Data)		Rank
Total interest income	$1,865,000	3,399
Total interest expense	$470,000	2,516
Net interest income	$1,395,000	3,637
Provision for loan and lease losses	$66,000	3,380
Total noninterest income	$78,000	5,290
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$33,000	5,070
Trading account gains and fees	$0	148
Additional Noninterest Income	$45,000	4,865
Total noninterest expense	$1,115,000	3,827
Salaries and employee benefits	$537,000	4,024
Premises and equipment expense	$156,000	3,367
Additional noninterest expense	$422,000	3,508
Pre-tax net operating income	$292,000	3,889
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$292,000	3,702
Extraordinary gains, net	$0	19
Net income	$292,000	3,704
Minority interest net income	$0	78
Net income of bank and minority interests.	$292,000	3,705
Net charge-offs	$225,000	1,739
Cash dividends	$48,000	2,452
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$292,000	3,533
2011-12-31 (YTD Data)		Rank
Total interest income	$7,478,000	3,511
Total interest expense	$2,139,000	2,631
Net interest income	$5,339,000	3,753
Provision for loan and lease losses	$689,000	2,971
Total noninterest income	$323,000	5,092
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$158,000	4,800
Trading account gains and fees	$0	146
Additional Noninterest Income	$165,000	4,714
Total noninterest expense	$4,314,000	3,912
Salaries and employee benefits	$2,073,000	4,087
Premises and equipment expense	$657,000	3,337
Additional noninterest expense	$1,584,000	3,712
Pre-tax net operating income	$659,000	4,373
Securities gains (losses)	$342,000	1,043
Applicable income taxes	$0	4,719
Income before extraordinary items	$1,001,000	3,567
Extraordinary gains, net	$0	29
Net income	$1,001,000	3,570
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,001,000	3,570
Net charge-offs	$980,000	2,381
Cash dividends	$195,000	3,395
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$659,000	4,118
2011-09-30 (YTD Data)		Rank
Total interest income	$5,597,000	3,557
Total interest expense	$1,636,000	2,684
Net interest income	$3,961,000	3,790
Provision for loan and lease losses	$319,000	3,529
Total noninterest income	$229,000	5,260
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$114,000	4,890
Trading account gains and fees	$0	145
Additional Noninterest Income	$115,000	4,924
Total noninterest expense	$3,250,000	3,909
Salaries and employee benefits	$1,544,000	4,107
Premises and equipment expense	$485,000	3,428
Additional noninterest expense	$1,221,000	3,644
Pre-tax net operating income	$621,000	4,160
Securities gains (losses)	$94,000	1,854
Applicable income taxes	$0	4,740
Income before extraordinary items	$715,000	3,722
Extraordinary gains, net	$0	21
Net income	$715,000	3,725
Minority interest net income	$0	87
Net income of bank and minority interests.	$715,000	3,724
Net charge-offs	$683,000	2,310
Cash dividends	$147,000	2,926
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$621,000	3,847
2011-06-30 (YTD Data)		Rank
Total interest income	$3,740,000	3,582
Total interest expense	$1,125,000	2,697
Net interest income	$2,615,000	3,832
Provision for loan and lease losses	$231,000	3,356
Total noninterest income	$151,000	5,299
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$70,000	5,028
Trading account gains and fees	$0	153
Additional Noninterest Income	$81,000	4,876
Total noninterest expense	$2,185,000	3,934
Salaries and employee benefits	$1,010,000	4,176
Premises and equipment expense	$323,000	3,470
Additional noninterest expense	$852,000	3,581
Pre-tax net operating income	$350,000	4,407
Securities gains (losses)	$94,000	1,192
Applicable income taxes	$0	4,697
Income before extraordinary items	$444,000	3,793
Extraordinary gains, net	$0	15
Net income	$444,000	3,794
Minority interest net income	$0	89
Net income of bank and minority interests.	$444,000	3,795
Net charge-offs	$132,000	3,565
Cash dividends	$98,000	2,826
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$350,000	4,127
2011-03-31 (YTD Data)		Rank
Total interest income	$1,864,000	3,603
Total interest expense	$571,000	2,742
Net interest income	$1,293,000	3,859
Provision for loan and lease losses	$74,000	3,808
Total noninterest income	$62,000	5,664
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$31,000	5,167
Trading account gains and fees	$0	158
Additional Noninterest Income	$31,000	5,357
Total noninterest expense	$1,075,000	4,000
Salaries and employee benefits	$505,000	4,195
Premises and equipment expense	$158,000	3,562
Additional noninterest expense	$412,000	3,653
Pre-tax net operating income	$206,000	4,194
Securities gains (losses)	$0	1,772
Applicable income taxes	$0	4,545
Income before extraordinary items	$206,000	3,934
Extraordinary gains, net	$0	9
Net income	$206,000	3,933
Minority interest net income	$0	86
Net income of bank and minority interests.	$206,000	3,934
Net charge-offs	$0	5,107
Cash dividends	$49,000	2,257
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$206,000	3,885
2010-12-31 (YTD Data)		Rank
Total interest income	$7,697,000	3,646
Total interest expense	$2,703,000	2,816
Net interest income	$4,994,000	3,967
Provision for loan and lease losses	$646,000	3,736
Total noninterest income	$265,000	5,582
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$125,000	5,199
Trading account gains and fees	$0	175
Additional Noninterest Income	$140,000	5,057
Total noninterest expense	$4,200,000	4,077
Salaries and employee benefits	$1,916,000	4,364
Premises and equipment expense	$667,000	3,436
Additional noninterest expense	$1,617,000	3,804
Pre-tax net operating income	$413,000	4,596
Securities gains (losses)	$339,000	1,158
Applicable income taxes	$57,000	3,566
Income before extraordinary items	$695,000	3,863
Extraordinary gains, net	$0	29
Net income	$695,000	3,863
Minority interest net income	$0	111
Net income of bank and minority interests.	$695,000	3,865
Net charge-offs	$80,000	5,598
Cash dividends	$194,000	3,330
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$383,120	4,525
2010-09-30 (YTD Data)		Rank
Total interest income	$5,776,000	3,723
Total interest expense	$2,069,000	2,881
Net interest income	$3,707,000	4,041
Provision for loan and lease losses	$558,000	3,360
Total noninterest income	$195,000	5,723
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$97,000	5,222
Trading account gains and fees	$0	165
Additional Noninterest Income	$98,000	5,222
Total noninterest expense	$3,122,000	4,097
Salaries and employee benefits	$1,441,000	4,393
Premises and equipment expense	$491,000	3,532
Additional noninterest expense	$1,190,000	3,830
Pre-tax net operating income	$222,000	5,169
Securities gains (losses)	$339,000	991
Applicable income taxes	$57,000	3,496
Income before extraordinary items	$504,000	4,097
Extraordinary gains, net	$0	23
Net income	$504,000	4,100
Minority interest net income	$0	110
Net income of bank and minority interests.	$504,000	4,100
Net charge-offs	$53,000	5,466
Cash dividends	$146,000	2,959
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$198,900	5,149
2010-06-30 (YTD Data)		Rank
Total interest income	$3,860,000	3,755
Total interest expense	$1,406,000	2,934
Net interest income	$2,454,000	4,066
Provision for loan and lease losses	$471,000	2,945
Total noninterest income	$141,000	5,591
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$67,000	5,190
Trading account gains and fees	$0	152
Additional Noninterest Income	$74,000	5,083
Total noninterest expense	$2,071,000	4,130
Salaries and employee benefits	$958,000	4,420
Premises and equipment expense	$327,000	3,576
Additional noninterest expense	$786,000	3,836
Pre-tax net operating income	$53,000	5,795
Securities gains (losses)	$308,000	696
Applicable income taxes	$57,000	3,196
Income before extraordinary items	$304,000	4,276
Extraordinary gains, net	$0	19
Net income	$304,000	4,275
Minority interest net income	$0	105
Net income of bank and minority interests.	$304,000	4,275
Net charge-offs	$31,000	5,251
Cash dividends	$97,000	2,873
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$45,280	5,828
2010-03-31 (YTD Data)		Rank
Total interest income	$1,922,000	3,824
Total interest expense	$711,000	3,026
Net interest income	$1,211,000	4,134
Provision for loan and lease losses	$377,000	2,126
Total noninterest income	$68,000	5,678
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$33,000	5,208
Trading account gains and fees	$0	175
Additional Noninterest Income	$35,000	5,238
Total noninterest expense	$1,034,000	4,185
Salaries and employee benefits	$480,000	4,467
Premises and equipment expense	$174,000	3,469
Additional noninterest expense	$380,000	3,931
Pre-tax net operating income	$-132,000	6,721
Securities gains (losses)	$308,000	375
Applicable income taxes	$49,000	2,807
Income before extraordinary items	$127,000	4,642
Extraordinary gains, net	$0	16
Net income	$127,000	4,643
Minority interest net income	$0	91
Net income of bank and minority interests.	$127,000	4,641
Net charge-offs	$8,000	4,945
Cash dividends	$48,000	2,302
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-94,760	6,678
2009-12-31 (YTD Data)		Rank
Total interest income	$7,964,000	3,833
Total interest expense	$3,800,000	2,854
Net interest income	$4,164,000	4,461
Provision for loan and lease losses	$2,143,000	2,397
Total noninterest income	$256,000	5,865
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$180,000	4,835
Trading account gains and fees	$0	211
Additional Noninterest Income	$76,000	5,977
Total noninterest expense	$4,192,000	4,212
Salaries and employee benefits	$1,939,000	4,455
Premises and equipment expense	$688,000	3,508
Additional noninterest expense	$1,565,000	3,973
Pre-tax net operating income	$-1,915,000	6,611
Securities gains (losses)	$-440,000	7,569
Applicable income taxes	$1,180,000	857
Income before extraordinary items	$-3,535,000	7,084
Extraordinary gains, net	$0	34
Net income	$-3,535,000	7,082
Minority interest net income	$0	115
Net income of bank and minority interests.	$-3,535,000	7,082
Net charge-offs	$1,981,000	2,044
Cash dividends	$151,000	3,869
Sale, conversion, retirement of capital stock, net	$4,202,000	213
Net operating income	$-3,095,000	7,016
2009-09-30 (YTD Data)		Rank
Total interest income	$5,952,000	3,889
Total interest expense	$2,965,000	2,888
Net interest income	$2,987,000	4,600
Provision for loan and lease losses	$1,951,000	1,937
Total noninterest income	$170,000	6,159
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$131,000	4,917
Trading account gains and fees	$0	212
Additional Noninterest Income	$39,000	6,489
Total noninterest expense	$3,137,000	4,231
Salaries and employee benefits	$1,475,000	4,442
Premises and equipment expense	$507,000	3,590
Additional noninterest expense	$1,155,000	3,975
Pre-tax net operating income	$-1,931,000	7,024
Securities gains (losses)	$-440,000	7,725
Applicable income taxes	$1,180,000	742
Income before extraordinary items	$-3,551,000	7,437
Extraordinary gains, net	$0	27
Net income	$-3,551,000	7,437
Minority interest net income	$0	118
Net income of bank and minority interests.	$-3,551,000	7,437
Net charge-offs	$1,802,000	1,602
Cash dividends	$102,000	3,566
Sale, conversion, retirement of capital stock, net	$4,202,000	170
Net operating income	$-3,111,000	7,385
2009-06-30 (YTD Data)		Rank
Total interest income	$3,956,000	3,934
Total interest expense	$2,039,000	2,919
Net interest income	$1,917,000	4,708
Provision for loan and lease losses	$1,888,000	1,448
Total noninterest income	$103,000	6,340
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$76,000	5,160
Trading account gains and fees	$0	193
Additional Noninterest Income	$27,000	6,503
Total noninterest expense	$2,134,000	4,203
Salaries and employee benefits	$1,007,000	4,416
Premises and equipment expense	$343,000	3,582
Additional noninterest expense	$784,000	3,934
Pre-tax net operating income	$-2,002,000	7,381
Securities gains (losses)	$-440,000	7,891
Applicable income taxes	$1,180,000	532
Income before extraordinary items	$-3,622,000	7,685
Extraordinary gains, net	$0	21
Net income	$-3,622,000	7,683
Minority interest net income	$0	112
Net income of bank and minority interests.	$-3,622,000	7,684
Net charge-offs	$1,759,000	1,222
Cash dividends	$53,000	3,621
Sale, conversion, retirement of capital stock, net	$4,202,000	124
Net operating income	$-3,182,000	7,660
2009-03-31 (YTD Data)		Rank
Total interest income	$1,964,000	3,992
Total interest expense	$1,040,000	2,963
Net interest income	$924,000	4,805
Provision for loan and lease losses	$1,888,000	786
Total noninterest income	$25,000	7,225
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$33,000	5,355
Trading account gains and fees	$0	171
Additional Noninterest Income	$-8,000	7,983
Total noninterest expense	$1,090,000	4,048
Salaries and employee benefits	$500,000	4,457
Premises and equipment expense	$167,000	3,685
Additional noninterest expense	$423,000	3,424
Pre-tax net operating income	$-2,029,000	7,833
Securities gains (losses)	$-440,000	8,097
Applicable income taxes	$1,181,000	315
Income before extraordinary items	$-3,650,000	8,008
Extraordinary gains, net	$0	15
Net income	$-3,650,000	8,009
Minority interest net income	$0	102
Net income of bank and minority interests.	$-3,650,000	8,009
Net charge-offs	$1,726,000	667
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$3,697,000	79
Net operating income	$-3,210,000	7,990
2008-12-31 (YTD Data)		Rank
Total interest income	$8,270,000	4,049
Total interest expense	$4,470,000	3,241
Net interest income	$3,800,000	4,734
Provision for loan and lease losses	$1,610,000	2,065
Total noninterest income	$-5,000	8,154
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$121,000	5,644
Trading account gains and fees	$0	154
Additional Noninterest Income	$-126,000	8,144
Total noninterest expense	$3,978,000	4,250
Salaries and employee benefits	$1,967,000	4,513
Premises and equipment expense	$674,000	3,597
Additional noninterest expense	$1,337,000	3,942
Pre-tax net operating income	$-1,793,000	7,298
Securities gains (losses)	$322,000	517
Applicable income taxes	$-572,000	7,542
Income before extraordinary items	$-899,000	6,945
Extraordinary gains, net	$0	39
Net income	$-899,000	6,947
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,312,000	1,686
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$146,000	866
Net operating income	$-1,105,080	7,161
2008-09-30 (YTD Data)		Rank
Total interest income	$6,201,000	4,118
Total interest expense	$3,354,000	3,339
Net interest income	$2,847,000	4,777
Provision for loan and lease losses	$1,368,000	1,517
Total noninterest income	$-111,000	8,301
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$86,000	5,742
Trading account gains and fees	$0	148
Additional Noninterest Income	$-197,000	8,296
Total noninterest expense	$2,960,000	4,262
Salaries and employee benefits	$1,481,000	4,527
Premises and equipment expense	$496,000	3,656
Additional noninterest expense	$983,000	3,917
Pre-tax net operating income	$-1,592,000	7,763
Securities gains (losses)	$101,000	963
Applicable income taxes	$-580,000	7,915
Income before extraordinary items	$-911,000	7,460
Extraordinary gains, net	$0	31
Net income	$-911,000	7,458
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,094,000	1,232
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$165,000	632
Net operating income	$-975,640	7,606
2008-06-30 (YTD Data)		Rank
Total interest income	$4,112,000	4,169
Total interest expense	$2,249,000	3,447
Net interest income	$1,863,000	4,838
Provision for loan and lease losses	$868,000	1,344
Total noninterest income	$170,000	5,757
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$57,000	5,778
Trading account gains and fees	$0	149
Additional Noninterest Income	$113,000	4,835
Total noninterest expense	$1,978,000	4,267
Salaries and employee benefits	$986,000	4,567
Premises and equipment expense	$332,000	3,672
Additional noninterest expense	$660,000	3,878
Pre-tax net operating income	$-813,000	7,803
Securities gains (losses)	$101,000	960
Applicable income taxes	$-284,000	8,060
Income before extraordinary items	$-428,000	7,638
Extraordinary gains, net	$0	21
Net income	$-428,000	7,638
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$780,000	994
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$151,000	466
Net operating income	$-492,640	7,663
2008-03-31 (YTD Data)		Rank
Total interest income	$2,129,000	4,148
Total interest expense	$1,157,000	3,546
Net interest income	$972,000	4,715
Provision for loan and lease losses	$66,000	3,374
Total noninterest income	$104,000	5,342
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$29,000	5,728
Trading account gains and fees	$0	158
Additional Noninterest Income	$75,000	4,329
Total noninterest expense	$938,000	4,434
Salaries and employee benefits	$481,000	4,684
Premises and equipment expense	$166,000	3,697
Additional noninterest expense	$291,000	4,212
Pre-tax net operating income	$72,000	6,337
Securities gains (losses)	$0	2,688
Applicable income taxes	$29,000	4,079
Income before extraordinary items	$43,000	6,677
Extraordinary gains, net	$0	15
Net income	$43,000	6,678
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,623
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$57,000	446
Net operating income	$43,000	6,582
2007-12-31 (YTD Data)		Rank
Total interest income	$7,612,000	4,506
Total interest expense	$4,089,000	3,956
Net interest income	$3,523,000	5,012
Provision for loan and lease losses	$131,000	4,509
Total noninterest income	$364,000	5,684
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$124,000	5,710
Trading account gains and fees	$0	178
Additional Noninterest Income	$240,000	4,677
Total noninterest expense	$3,487,000	4,531
Salaries and employee benefits	$1,748,000	4,848
Premises and equipment expense	$685,000	3,493
Additional noninterest expense	$1,054,000	4,484
Pre-tax net operating income	$269,000	6,683
Securities gains (losses)	$0	2,146
Applicable income taxes	$109,000	4,417
Income before extraordinary items	$160,000	6,921
Extraordinary gains, net	$0	39
Net income	$160,000	6,921
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	4,708
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$4,513,000	281
Net operating income	$160,000	6,899
2007-09-30 (YTD Data)		Rank
Total interest income	$5,498,000	4,628
Total interest expense	$2,906,000	4,096
Net interest income	$2,592,000	5,092
Provision for loan and lease losses	$91,000	4,243
Total noninterest income	$258,000	5,847
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$90,000	5,791
Trading account gains and fees	$0	184
Additional Noninterest Income	$168,000	4,854
Total noninterest expense	$2,572,000	4,563
Salaries and employee benefits	$1,282,000	4,891
Premises and equipment expense	$531,000	3,388
Additional noninterest expense	$759,000	4,557
Pre-tax net operating income	$187,000	7,017
Securities gains (losses)	$0	1,655
Applicable income taxes	$76,000	4,656
Income before extraordinary items	$111,000	7,215
Extraordinary gains, net	$0	33
Net income	$111,000	7,213
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	4,034
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$3,221,000	227
Net operating income	$111,000	7,199
2007-06-30 (YTD Data)		Rank
Total interest income	$3,471,000	4,788
Total interest expense	$1,793,000	4,298
Net interest income	$1,678,000	5,223
Provision for loan and lease losses	$91,000	3,418
Total noninterest income	$182,000	5,766
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$64,000	5,719
Trading account gains and fees	$0	168
Additional Noninterest Income	$118,000	4,783
Total noninterest expense	$1,672,000	4,659
Salaries and employee benefits	$827,000	5,023
Premises and equipment expense	$354,000	3,407
Additional noninterest expense	$491,000	4,638
Pre-tax net operating income	$97,000	7,267
Securities gains (losses)	$0	1,444
Applicable income taxes	$40,000	4,929
Income before extraordinary items	$57,000	7,435
Extraordinary gains, net	$0	29
Net income	$57,000	7,434
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	3,409
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$1,663,000	215
Net operating income	$57,000	7,425
2007-03-31 (YTD Data)		Rank
Total interest income	$1,642,000	4,953
Total interest expense	$820,000	4,502
Net interest income	$822,000	5,300
Provision for loan and lease losses	$91,000	2,141
Total noninterest income	$95,000	5,648
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$31,000	5,740
Trading account gains and fees	$0	195
Additional Noninterest Income	$64,000	4,621
Total noninterest expense	$791,000	4,830
Salaries and employee benefits	$407,000	5,107
Premises and equipment expense	$170,000	3,543
Additional noninterest expense	$214,000	5,035
Pre-tax net operating income	$35,000	7,479
Securities gains (losses)	$0	1,187
Applicable income taxes	$14,000	5,152
Income before extraordinary items	$21,000	7,611
Extraordinary gains, net	$0	22
Net income	$21,000	7,610
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	3,890
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$590,000	163
Net operating income	$21,000	7,593
2006-12-31 (YTD Data)		Rank
Total interest income	$5,094,000	5,504
Total interest expense	$2,407,000	4,919
Net interest income	$2,687,000	5,817
Provision for loan and lease losses	$369,000	2,418
Total noninterest income	$250,000	6,524
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$79,000	6,454
Trading account gains and fees	$0	130
Additional Noninterest Income	$171,000	5,395
Total noninterest expense	$2,821,000	5,097
Salaries and employee benefits	$1,493,000	5,204
Premises and equipment expense	$483,000	4,370
Additional noninterest expense	$845,000	5,054
Pre-tax net operating income	$-253,000	8,147
Securities gains (losses)	$-10,000	7,284
Applicable income taxes	$-968,000	8,626
Income before extraordinary items	$705,000	5,494
Extraordinary gains, net	$0	51
Net income	$705,000	5,496
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	4,672
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$635,000	556
Net operating income	$711,400	5,466
2006-09-30 (YTD Data)		Rank
Total interest income	$3,537,000	5,721
Total interest expense	$1,631,000	5,118
Net interest income	$1,906,000	6,037
Provision for loan and lease losses	$307,000	2,111
Total noninterest income	$182,000	6,636
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$53,000	6,653
Trading account gains and fees	$0	126
Additional Noninterest Income	$129,000	5,401
Total noninterest expense	$2,092,000	5,115
Salaries and employee benefits	$1,101,000	5,239
Premises and equipment expense	$359,000	4,396
Additional noninterest expense	$632,000	5,042
Pre-tax net operating income	$-311,000	8,357
Securities gains (losses)	$-10,000	7,588
Applicable income taxes	$0	6,687
Income before extraordinary items	$-321,000	8,391
Extraordinary gains, net	$0	45
Net income	$-321,000	8,391
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	4,367
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$214,000	581
Net operating income	$-311,000	8,377
2006-06-30 (YTD Data)		Rank
Total interest income	$2,100,000	6,002
Total interest expense	$936,000	5,399
Net interest income	$1,164,000	6,297
Provision for loan and lease losses	$191,000	2,189
Total noninterest income	$101,000	6,969
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$33,000	6,762
Trading account gains and fees	$0	126
Additional Noninterest Income	$68,000	5,845
Total noninterest expense	$1,351,000	5,235
Salaries and employee benefits	$710,000	5,376
Premises and equipment expense	$232,000	4,479
Additional noninterest expense	$409,000	5,133
Pre-tax net operating income	$-277,000	8,460
Securities gains (losses)	$-10,000	7,862
Applicable income taxes	$0	6,706
Income before extraordinary items	$-287,000	8,488
Extraordinary gains, net	$0	39
Net income	$-287,000	8,488
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	3,668
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$25,000	723
Net operating income	$-277,000	8,480
2006-03-31 (YTD Data)		Rank
Total interest income	$960,000	6,193
Total interest expense	$418,000	5,575
Net interest income	$542,000	6,480
Provision for loan and lease losses	$97,000	2,059
Total noninterest income	$47,000	7,046
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$17,000	6,702
Trading account gains and fees	$0	115
Additional Noninterest Income	$30,000	6,069
Total noninterest expense	$619,000	5,516
Salaries and employee benefits	$330,000	5,643
Premises and equipment expense	$112,000	4,612
Additional noninterest expense	$177,000	5,560
Pre-tax net operating income	$-127,000	8,473
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$-127,000	8,490
Extraordinary gains, net	$0	21
Net income	$-127,000	8,489
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	2,805
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$2,000	621
Net operating income	$-127,000	8,475
2005-12-31 (YTD Data)		Rank
Total interest income	$2,618,000	6,910
Total interest expense	$930,000	6,463
Net interest income	$1,688,000	7,044
Provision for loan and lease losses	$338,000	2,589
Total noninterest income	$91,000	8,029
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$59,000	6,939
Trading account gains and fees	$0	138
Additional Noninterest Income	$32,000	7,812
Total noninterest expense	$2,028,000	6,074
Salaries and employee benefits	$1,011,000	6,323
Premises and equipment expense	$386,000	4,967
Additional noninterest expense	$631,000	5,899
Pre-tax net operating income	$-587,000	8,524
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$-587,000	8,572
Extraordinary gains, net	$0	46
Net income	$-587,000	8,572
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	5,620
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$200,000	648
Net operating income	$-587,000	8,554
2005-09-30 (YTD Data)		Rank
Total interest income	$1,747,000	7,165
Total interest expense	$619,000	6,645
Net interest income	$1,128,000	7,326
Provision for loan and lease losses	$282,000	2,296
Total noninterest income	$68,000	8,080
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$40,000	7,082
Trading account gains and fees	$0	126
Additional Noninterest Income	$28,000	7,724
Total noninterest expense	$1,494,000	6,096
Salaries and employee benefits	$736,000	6,392
Premises and equipment expense	$290,000	4,949
Additional noninterest expense	$468,000	5,910
Pre-tax net operating income	$-580,000	8,624
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$-580,000	8,666
Extraordinary gains, net	$0	35
Net income	$-580,000	8,666
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$185,000	504
Net operating income	$-580,000	8,642
2005-06-30 (YTD Data)		Rank
Total interest income	$1,024,000	7,400
Total interest expense	$366,000	6,803
Net interest income	$658,000	7,593
Provision for loan and lease losses	$207,000	2,118
Total noninterest income	$37,000	8,247
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$20,000	7,275
Trading account gains and fees	$0	116
Additional Noninterest Income	$17,000	7,791
Total noninterest expense	$968,000	6,191
Salaries and employee benefits	$465,000	6,551
Premises and equipment expense	$206,000	4,727
Additional noninterest expense	$297,000	6,030
Pre-tax net operating income	$-480,000	8,663
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$-480,000	8,708
Extraordinary gains, net	$0	30
Net income	$-480,000	8,708
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$159,000	392
Net operating income	$-480,000	8,679
2005-03-31 (YTD Data)		Rank
Total interest income	$462,000	7,644
Total interest expense	$160,000	7,042
Net interest income	$302,000	7,801
Provision for loan and lease losses	$98,000	2,104
Total noninterest income	$15,000	8,445
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$11,000	7,233
Trading account gains and fees	$0	115
Additional Noninterest Income	$4,000	8,331
Total noninterest expense	$468,000	6,325
Salaries and employee benefits	$223,000	6,711
Premises and equipment expense	$98,000	4,931
Additional noninterest expense	$147,000	6,073
Pre-tax net operating income	$-249,000	8,757
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-249,000	8,781
Extraordinary gains, net	$0	24
Net income	$-249,000	8,781
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$145,000	238
Net operating income	$-249,000	8,763
2004-12-31 (YTD Data)		Rank
Total interest income	$527,000	8,745
Total interest expense	$185,000	8,517
Net interest income	$342,000	8,785
Provision for loan and lease losses	$227,000	3,484
Total noninterest income	$41,000	8,641
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$18,000	7,685
Trading account gains and fees	$0	138
Additional Noninterest Income	$23,000	8,128
Total noninterest expense	$1,477,000	6,917
Salaries and employee benefits	$782,000	6,998
Premises and equipment expense	$280,000	5,877
Additional noninterest expense	$415,000	7,045
Pre-tax net operating income	$-1,321,000	8,846
Securities gains (losses)	$-2,000	7,892
Applicable income taxes	$0	7,185
Income before extraordinary items	$-1,323,000	8,870
Extraordinary gains, net	$0	34
Net income	$-1,323,000	8,871
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$8,041,000	149
Net operating income	$-1,321,000	8,848
2004-09-30 (YTD Data)		Rank
Total interest income	$217,000	8,914
Total interest expense	$79,000	8,780
Net interest income	$138,000	8,923
Provision for loan and lease losses	$89,000	4,620
Total noninterest income	$29,000	8,709
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$9,000	7,795
Trading account gains and fees	$0	134
Additional Noninterest Income	$20,000	8,070
Total noninterest expense	$1,015,000	7,135
Salaries and employee benefits	$558,000	7,092
Premises and equipment expense	$189,000	6,157
Additional noninterest expense	$268,000	7,353
Pre-tax net operating income	$-937,000	8,890
Securities gains (losses)	$-1,000	8,079
Applicable income taxes	$0	7,220
Income before extraordinary items	$-938,000	8,918
Extraordinary gains, net	$0	26
Net income	$-938,000	8,919
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$8,024,000	112
Net operating income	$-937,000	8,901
2004-06-30 (YTD Data)		Rank
Total interest income	$44,000	9,038
Total interest expense	$20,000	8,963
Net interest income	$24,000	9,042
Provision for loan and lease losses	$38,000	5,097
Total noninterest income	$7,000	8,933
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$4,000	7,894
Trading account gains and fees	$0	130
Additional Noninterest Income	$3,000	8,756
Total noninterest expense	$554,000	7,626
Salaries and employee benefits	$305,000	7,629
Premises and equipment expense	$99,000	6,797
Additional noninterest expense	$150,000	7,728
Pre-tax net operating income	$-561,000	8,923
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$-561,000	8,949
Extraordinary gains, net	$0	21
Net income	$-561,000	8,950
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$7,929,000	79
Net operating income	$-561,000	8,932

* 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.