Home > ChoiceOne Bank > Income and Expense

ChoiceOne Bank, Income and Expense

Basic Info Reviews History Routing Numbers Locations

2023-12-31 (YTD Data)		Rank
Total interest income	$98,947,000	547
Total interest expense	$31,459,000	566
Net interest income	$67,488,000	529
Provision for loan and lease losses	$150,000	2,186
Total noninterest income	$15,064,000	562
Gross Fiduciary activities income	$771,000	548
Service charges on deposit accounts	$4,601,000	291
Trading account gains and fees	$0	123
Additional Noninterest Income	$9,692,000	550
Total noninterest expense	$54,650,000	527
Salaries and employee benefits	$31,963,000	498
Premises and equipment expense	$5,889,000	482
Additional noninterest expense	$9,692,000	550
Pre-tax net operating income	$27,752,000	535
Securities gains (losses)	$61,000	352
Applicable income taxes	$4,778,000	548
Income before extraordinary items	$23,035,000	532
Extraordinary gains, net	$0	54
Net income	$23,035,000	538
Minority interest net income	$0	88
Net income of bank and minority interests.	$23,035,000	534
Net charge-offs	$363,000	881
Cash dividends	$10,813,000	463
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$22,984,370	543
2023-09-30 (YTD Data)		Rank
Total interest income	$70,992,000	557
Total interest expense	$20,468,000	595
Net interest income	$50,524,000	533
Provision for loan and lease losses	$-225,000	4,445
Total noninterest income	$11,269,000	565
Gross Fiduciary activities income	$577,000	541
Service charges on deposit accounts	$3,431,000	288
Trading account gains and fees	$0	125
Additional Noninterest Income	$7,261,000	560
Total noninterest expense	$41,003,000	525
Salaries and employee benefits	$23,958,000	499
Premises and equipment expense	$4,458,000	477
Additional noninterest expense	$7,261,000	560
Pre-tax net operating income	$21,015,000	546
Securities gains (losses)	$-136,000	4,084
Applicable income taxes	$3,520,000	585
Income before extraordinary items	$17,359,000	536
Extraordinary gains, net	$0	52
Net income	$17,359,000	540
Minority interest net income	$0	81
Net income of bank and minority interests.	$17,359,000	536
Net charge-offs	$244,000	810
Cash dividends	$8,556,000	416
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$17,471,880	540
2023-06-30 (YTD Data)		Rank
Total interest income	$44,702,000	558
Total interest expense	$10,802,000	651
Net interest income	$33,900,000	527
Provision for loan and lease losses	$-225,000	4,499
Total noninterest income	$7,400,000	559
Gross Fiduciary activities income	$380,000	539
Service charges on deposit accounts	$2,228,000	290
Trading account gains and fees	$0	112
Additional Noninterest Income	$4,792,000	555
Total noninterest expense	$27,372,000	515
Salaries and employee benefits	$15,920,000	490
Premises and equipment expense	$3,072,000	456
Additional noninterest expense	$4,792,000	555
Pre-tax net operating income	$14,153,000	538
Securities gains (losses)	$0	938
Applicable income taxes	$2,330,000	587
Income before extraordinary items	$11,823,000	528
Extraordinary gains, net	$0	51
Net income	$11,823,000	536
Minority interest net income	$0	81
Net income of bank and minority interests.	$11,823,000	527
Net charge-offs	$95,000	937
Cash dividends	$5,911,000	399
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$11,823,000	531
2023-03-31 (YTD Data)		Rank
Total interest income	$21,389,000	573
Total interest expense	$3,983,000	734
Net interest income	$17,406,000	524
Provision for loan and lease losses	$25,000	2,051
Total noninterest income	$3,569,000	568
Gross Fiduciary activities income	$184,000	560
Service charges on deposit accounts	$1,093,000	304
Trading account gains and fees	$0	97
Additional Noninterest Income	$2,292,000	555
Total noninterest expense	$13,891,000	523
Salaries and employee benefits	$8,083,000	494
Premises and equipment expense	$1,605,000	451
Additional noninterest expense	$2,292,000	555
Pre-tax net operating income	$7,059,000	560
Securities gains (losses)	$70,000	214
Applicable income taxes	$1,128,000	621
Income before extraordinary items	$6,001,000	539
Extraordinary gains, net	$0	4
Net income	$6,001,000	540
Minority interest net income	$0	48
Net income of bank and minority interests.	$6,001,000	540
Net charge-offs	$28,000	995
Cash dividends	$2,911,000	385
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$5,942,200	547
2022-12-31 (YTD Data)		Rank
Total interest income	$75,033,000	531
Total interest expense	$6,255,000	670
Net interest income	$68,778,000	520
Provision for loan and lease losses	$250,000	1,629
Total noninterest income	$15,833,000	555
Gross Fiduciary activities income	$734,000	568
Service charges on deposit accounts	$4,561,000	306
Trading account gains and fees	$0	116
Additional Noninterest Income	$10,538,000	544
Total noninterest expense	$53,263,000	520
Salaries and employee benefits	$30,391,000	498
Premises and equipment expense	$6,189,000	459
Additional noninterest expense	$10,538,000	544
Pre-tax net operating income	$31,098,000	553
Securities gains (losses)	$-1,379,000	4,498
Applicable income taxes	$4,451,000	648
Income before extraordinary items	$25,268,000	545
Extraordinary gains, net	$0	5
Net income	$25,268,000	546
Minority interest net income	$0	63
Net income of bank and minority interests.	$25,268,000	546
Net charge-offs	$319,000	754
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$26,440,150	535
2022-09-30 (YTD Data)		Rank
Total interest income	$54,414,000	516
Total interest expense	$3,378,000	671
Net interest income	$51,036,000	507
Provision for loan and lease losses	$100,000	1,857
Total noninterest income	$12,133,000	553
Gross Fiduciary activities income	$528,000	574
Service charges on deposit accounts	$3,390,000	305
Trading account gains and fees	$0	111
Additional Noninterest Income	$8,215,000	540
Total noninterest expense	$40,077,000	514
Salaries and employee benefits	$22,811,000	493
Premises and equipment expense	$4,688,000	454
Additional noninterest expense	$8,215,000	540
Pre-tax net operating income	$22,992,000	546
Securities gains (losses)	$-1,384,000	4,596
Applicable income taxes	$3,309,000	652
Income before extraordinary items	$18,299,000	550
Extraordinary gains, net	$0	4
Net income	$18,299,000	549
Minority interest net income	$0	57
Net income of bank and minority interests.	$18,299,000	550
Net charge-offs	$331,000	551
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$19,475,400	530
2022-06-30 (YTD Data)		Rank
Total interest income	$35,133,000	511
Total interest expense	$1,805,000	657
Net interest income	$33,328,000	502
Provision for loan and lease losses	$0	2,599
Total noninterest income	$8,385,000	539
Gross Fiduciary activities income	$354,000	535
Service charges on deposit accounts	$2,176,000	308
Trading account gains and fees	$0	108
Additional Noninterest Income	$5,855,000	534
Total noninterest expense	$26,716,000	503
Salaries and employee benefits	$15,143,000	492
Premises and equipment expense	$3,143,000	447
Additional noninterest expense	$8,430,000	494
Pre-tax net operating income	$14,997,000	533
Securities gains (losses)	$-815,000	4,610
Applicable income taxes	$2,136,000	636
Income before extraordinary items	$12,046,000	529
Extraordinary gains, net	$0	4
Net income	$12,046,000	528
Minority interest net income	$0	60
Net income of bank and minority interests.	$12,046,000	529
Net charge-offs	$272,000	460
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$12,738,750	513
2022-03-31 (YTD Data)		Rank
Total interest income	$17,467,000	499
Total interest expense	$788,000	702
Net interest income	$16,679,000	490
Provision for loan and lease losses	$0	2,285
Total noninterest income	$4,202,000	545
Gross Fiduciary activities income	$178,000	537
Service charges on deposit accounts	$1,085,000	307
Trading account gains and fees	$0	103
Additional Noninterest Income	$2,939,000	536
Total noninterest expense	$13,634,000	494
Salaries and employee benefits	$7,606,000	492
Premises and equipment expense	$1,625,000	432
Additional noninterest expense	$4,403,000	472
Pre-tax net operating income	$7,247,000	523
Securities gains (losses)	$-229,000	4,614
Applicable income taxes	$1,063,000	625
Income before extraordinary items	$5,955,000	523
Extraordinary gains, net	$0	4
Net income	$5,955,000	523
Minority interest net income	$0	50
Net income of bank and minority interests.	$5,955,000	523
Net charge-offs	$87,000	520
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$6,149,650	511
2021-12-31 (YTD Data)		Rank
Total interest income	$64,608,000	536
Total interest expense	$3,332,000	823
Net interest income	$61,276,000	523
Provision for loan and lease losses	$416,000	1,181
Total noninterest income	$18,751,000	536
Gross Fiduciary activities income	$790,000	518
Service charges on deposit accounts	$3,816,000	335
Trading account gains and fees	$0	132
Additional Noninterest Income	$14,145,000	534
Total noninterest expense	$52,703,000	507
Salaries and employee benefits	$29,300,000	504
Premises and equipment expense	$6,168,000	447
Additional noninterest expense	$17,235,000	488
Pre-tax net operating income	$26,908,000	595
Securities gains (losses)	$-115,000	4,671
Applicable income taxes	$4,519,000	672
Income before extraordinary items	$22,274,000	593
Extraordinary gains, net	$0	10
Net income	$22,274,000	593
Minority interest net income	$0	74
Net income of bank and minority interests.	$22,274,000	594
Net charge-offs	$321,000	816
Cash dividends	$6,125,000	674
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$22,369,450	584
2021-09-30 (YTD Data)		Rank
Total interest income	$47,790,000	548
Total interest expense	$2,577,000	849
Net interest income	$45,213,000	534
Provision for loan and lease losses	$416,000	952
Total noninterest income	$14,583,000	534
Gross Fiduciary activities income	$612,000	510
Service charges on deposit accounts	$2,726,000	346
Trading account gains and fees	$0	132
Additional Noninterest Income	$11,245,000	532
Total noninterest expense	$38,946,000	518
Salaries and employee benefits	$21,719,000	512
Premises and equipment expense	$4,591,000	455
Additional noninterest expense	$12,636,000	497
Pre-tax net operating income	$20,434,000	607
Securities gains (losses)	$-25,000	4,666
Applicable income taxes	$3,347,000	699
Income before extraordinary items	$17,062,000	603
Extraordinary gains, net	$0	8
Net income	$17,062,000	603
Minority interest net income	$0	69
Net income of bank and minority interests.	$17,062,000	603
Net charge-offs	$254,000	702
Cash dividends	$6,125,000	524
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$17,083,000	596
2021-06-30 (YTD Data)		Rank
Total interest income	$31,068,000	550
Total interest expense	$1,722,000	882
Net interest income	$29,346,000	538
Provision for loan and lease losses	$416,000	708
Total noninterest income	$9,835,000	536
Gross Fiduciary activities income	$425,000	498
Service charges on deposit accounts	$1,699,000	350
Trading account gains and fees	$0	133
Additional Noninterest Income	$7,711,000	527
Total noninterest expense	$25,469,000	518
Salaries and employee benefits	$14,167,000	520
Premises and equipment expense	$3,053,000	459
Additional noninterest expense	$8,249,000	491
Pre-tax net operating income	$13,296,000	609
Securities gains (losses)	$3,000	1,649
Applicable income taxes	$2,141,000	712
Income before extraordinary items	$11,158,000	612
Extraordinary gains, net	$0	6
Net income	$11,158,000	612
Minority interest net income	$0	67
Net income of bank and minority interests.	$11,158,000	612
Net charge-offs	$59,000	1,099
Cash dividends	$6,125,000	383
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$11,155,480	602
2021-03-31 (YTD Data)		Rank
Total interest income	$15,649,000	552
Total interest expense	$881,000	906
Net interest income	$14,768,000	526
Provision for loan and lease losses	$250,000	680
Total noninterest income	$4,992,000	541
Gross Fiduciary activities income	$173,000	535
Service charges on deposit accounts	$831,000	354
Trading account gains and fees	$0	127
Additional Noninterest Income	$3,988,000	525
Total noninterest expense	$12,428,000	526
Salaries and employee benefits	$7,167,000	520
Premises and equipment expense	$1,554,000	451
Additional noninterest expense	$3,707,000	516
Pre-tax net operating income	$7,082,000	583
Securities gains (losses)	$1,000	1,331
Applicable income taxes	$1,181,000	666
Income before extraordinary items	$5,902,000	578
Extraordinary gains, net	$0	3
Net income	$5,902,000	578
Minority interest net income	$0	55
Net income of bank and minority interests.	$5,902,000	578
Net charge-offs	$103,000	606
Cash dividends	$3,365,000	319
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$5,901,170	566
2020-12-31 (YTD Data)		Rank
Total interest income	$55,702,000	610
Total interest expense	$4,405,000	1,063
Net interest income	$51,297,000	569
Provision for loan and lease losses	$4,000,000	666
Total noninterest income	$21,543,000	474
Gross Fiduciary activities income	$738,000	510
Service charges on deposit accounts	$3,515,000	335
Trading account gains and fees	$0	133
Additional Noninterest Income	$17,290,000	446
Total noninterest expense	$48,373,000	529
Salaries and employee benefits	$25,338,000	561
Premises and equipment expense	$5,783,000	464
Additional noninterest expense	$17,252,000	461
Pre-tax net operating income	$20,467,000	576
Securities gains (losses)	$1,282,000	305
Applicable income taxes	$3,702,000	607
Income before extraordinary items	$18,047,000	567
Extraordinary gains, net	$0	4
Net income	$18,047,000	566
Minority interest net income	$0	72
Net income of bank and minority interests.	$18,047,000	567
Net charge-offs	$465,000	1,019
Cash dividends	$12,941,000	387
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$16,982,940	576
2020-09-30 (YTD Data)		Rank
Total interest income	$38,721,000	659
Total interest expense	$3,311,000	1,131
Net interest income	$35,410,000	612
Provision for loan and lease losses	$3,000,000	698
Total noninterest income	$15,431,000	473
Gross Fiduciary activities income	$569,000	499
Service charges on deposit accounts	$2,528,000	338
Trading account gains and fees	$0	125
Additional Noninterest Income	$12,334,000	441
Total noninterest expense	$33,004,000	560
Salaries and employee benefits	$17,458,000	594
Premises and equipment expense	$3,860,000	514
Additional noninterest expense	$11,686,000	490
Pre-tax net operating income	$14,837,000	570
Securities gains (losses)	$1,282,000	248
Applicable income taxes	$2,714,000	595
Income before extraordinary items	$13,405,000	543
Extraordinary gains, net	$0	4
Net income	$13,405,000	542
Minority interest net income	$0	65
Net income of bank and minority interests.	$13,405,000	543
Net charge-offs	$373,000	907
Cash dividends	$8,293,000	410
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$12,340,940	559
2020-06-30 (YTD Data)		Rank
Total interest income	$25,516,000	668
Total interest expense	$2,507,000	1,084
Net interest income	$23,009,000	633
Provision for loan and lease losses	$1,775,000	772
Total noninterest income	$9,287,000	473
Gross Fiduciary activities income	$372,000	510
Service charges on deposit accounts	$1,708,000	337
Trading account gains and fees	$0	123
Additional Noninterest Income	$7,207,000	456
Total noninterest expense	$21,763,000	563
Salaries and employee benefits	$11,364,000	598
Premises and equipment expense	$2,629,000	502
Additional noninterest expense	$7,770,000	485
Pre-tax net operating income	$8,758,000	571
Securities gains (losses)	$1,317,000	173
Applicable income taxes	$1,710,000	555
Income before extraordinary items	$8,365,000	523
Extraordinary gains, net	$0	4
Net income	$8,365,000	520
Minority interest net income	$0	65
Net income of bank and minority interests.	$8,365,000	523
Net charge-offs	$82,000	1,459
Cash dividends	$5,492,000	404
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$7,271,890	571
2020-03-31 (YTD Data)		Rank
Total interest income	$6,334,000	1,237
Total interest expense	$871,000	1,586
Net interest income	$5,463,000	1,161
Provision for loan and lease losses	$550,000	839
Total noninterest income	$2,552,000	687
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$630,000	485
Trading account gains and fees	$0	106
Additional Noninterest Income	$1,922,000	627
Total noninterest expense	$5,672,000	998
Salaries and employee benefits	$2,984,000	1,067
Premises and equipment expense	$769,000	832
Additional noninterest expense	$1,919,000	906
Pre-tax net operating income	$1,793,000	1,152
Securities gains (losses)	$-63,000	4,964
Applicable income taxes	$219,000	1,320
Income before extraordinary items	$1,511,000	1,182
Extraordinary gains, net	$0	4
Net income	$1,511,000	1,181
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,511,000	1,182
Net charge-offs	$42,000	1,276
Cash dividends	$889,000	900
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,565,810	1,133
2019-12-31 (YTD Data)		Rank
Total interest income	$25,996,000	1,214
Total interest expense	$3,951,000	1,487
Net interest income	$22,045,000	1,155
Provision for loan and lease losses	$0	3,973
Total noninterest income	$7,543,000	855
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$2,758,000	457
Trading account gains and fees	$0	135
Additional Noninterest Income	$4,785,000	851
Total noninterest expense	$21,598,000	1,025
Salaries and employee benefits	$11,885,000	1,048
Premises and equipment expense	$3,017,000	848
Additional noninterest expense	$6,696,000	1,009
Pre-tax net operating income	$7,990,000	1,229
Securities gains (losses)	$128,000	802
Applicable income taxes	$1,067,000	1,375
Income before extraordinary items	$7,051,000	1,240
Extraordinary gains, net	$0	11
Net income	$7,051,000	1,241
Minority interest net income	$0	76
Net income of bank and minority interests.	$7,051,000	1,242
Net charge-offs	$616,000	913
Cash dividends	$4,011,000	957
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$6,939,640	1,229
2019-09-30 (YTD Data)		Rank
Total interest income	$19,549,000	1,220
Total interest expense	$3,025,000	1,477
Net interest income	$16,524,000	1,165
Provision for loan and lease losses	$0	3,836
Total noninterest income	$5,579,000	859
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$2,064,000	453
Trading account gains and fees	$0	129
Additional Noninterest Income	$3,515,000	860
Total noninterest expense	$16,265,000	1,011
Salaries and employee benefits	$8,915,000	1,040
Premises and equipment expense	$2,267,000	850
Additional noninterest expense	$5,083,000	985
Pre-tax net operating income	$5,838,000	1,286
Securities gains (losses)	$128,000	680
Applicable income taxes	$779,000	1,444
Income before extraordinary items	$5,187,000	1,273
Extraordinary gains, net	$0	11
Net income	$5,187,000	1,274
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,187,000	1,275
Net charge-offs	$577,000	692
Cash dividends	$3,224,000	838
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$5,075,640	1,276
2019-06-30 (YTD Data)		Rank
Total interest income	$13,011,000	1,211
Total interest expense	$2,033,000	1,437
Net interest income	$10,978,000	1,173
Provision for loan and lease losses	$0	3,685
Total noninterest income	$3,517,000	884
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$1,351,000	458
Trading account gains and fees	$0	131
Additional Noninterest Income	$2,166,000	880
Total noninterest expense	$10,395,000	1,053
Salaries and employee benefits	$5,647,000	1,094
Premises and equipment expense	$1,512,000	848
Additional noninterest expense	$3,236,000	1,028
Pre-tax net operating income	$4,100,000	1,213
Securities gains (losses)	$93,000	565
Applicable income taxes	$563,000	1,343
Income before extraordinary items	$3,630,000	1,200
Extraordinary gains, net	$0	11
Net income	$3,630,000	1,200
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,630,000	1,200
Net charge-offs	$-129,000	5,096
Cash dividends	$2,090,000	836
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$3,549,090	1,197
2019-03-31 (YTD Data)		Rank
Total interest income	$6,466,000	1,212
Total interest expense	$980,000	1,453
Net interest income	$5,486,000	1,168
Provision for loan and lease losses	$0	3,406
Total noninterest income	$1,570,000	914
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$655,000	466
Trading account gains and fees	$0	126
Additional Noninterest Income	$915,000	951
Total noninterest expense	$5,292,000	1,033
Salaries and employee benefits	$2,777,000	1,112
Premises and equipment expense	$771,000	839
Additional noninterest expense	$1,744,000	952
Pre-tax net operating income	$1,764,000	1,337
Securities gains (losses)	$78,000	314
Applicable income taxes	$269,000	1,340
Income before extraordinary items	$1,573,000	1,312
Extraordinary gains, net	$0	5
Net income	$1,573,000	1,309
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,573,000	1,311
Net charge-offs	$-57,000	5,107
Cash dividends	$911,000	899
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,506,700	1,331
2018-12-31 (YTD Data)		Rank
Total interest income	$24,478,000	1,202
Total interest expense	$2,461,000	1,666
Net interest income	$22,017,000	1,142
Provision for loan and lease losses	$35,000	3,651
Total noninterest income	$6,816,000	904
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$2,829,000	455
Trading account gains and fees	$0	126
Additional Noninterest Income	$3,987,000	924
Total noninterest expense	$20,318,000	1,053
Salaries and employee benefits	$10,997,000	1,091
Premises and equipment expense	$2,722,000	911
Additional noninterest expense	$6,599,000	1,014
Pre-tax net operating income	$8,480,000	1,177
Securities gains (losses)	$-89,000	4,980
Applicable income taxes	$1,140,000	1,273
Income before extraordinary items	$7,251,000	1,183
Extraordinary gains, net	$0	6
Net income	$7,251,000	1,182
Minority interest net income	$0	72
Net income of bank and minority interests.	$7,251,000	1,182
Net charge-offs	$-61,000	4,940
Cash dividends	$2,800,000	1,147
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$7,327,540	1,168
2018-09-30 (YTD Data)		Rank
Total interest income	$18,039,000	1,206
Total interest expense	$1,626,000	1,758
Net interest income	$16,413,000	1,144
Provision for loan and lease losses	$35,000	3,397
Total noninterest income	$5,035,000	918
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$2,081,000	463
Trading account gains and fees	$0	138
Additional Noninterest Income	$2,954,000	938
Total noninterest expense	$15,019,000	1,069
Salaries and employee benefits	$8,308,000	1,077
Premises and equipment expense	$2,005,000	921
Additional noninterest expense	$4,706,000	1,042
Pre-tax net operating income	$6,394,000	1,177
Securities gains (losses)	$15,000	629
Applicable income taxes	$979,000	1,182
Income before extraordinary items	$5,430,000	1,177
Extraordinary gains, net	$0	5
Net income	$5,430,000	1,176
Minority interest net income	$0	66
Net income of bank and minority interests.	$5,430,000	1,176
Net charge-offs	$-10,000	4,485
Cash dividends	$2,410,000	921
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$5,417,250	1,173
2018-06-30 (YTD Data)		Rank
Total interest income	$11,786,000	1,215
Total interest expense	$938,000	1,872
Net interest income	$10,848,000	1,148
Provision for loan and lease losses	$35,000	3,040
Total noninterest income	$3,297,000	921
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$1,341,000	475
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,956,000	949
Total noninterest expense	$9,991,000	1,067
Salaries and employee benefits	$5,528,000	1,087
Premises and equipment expense	$1,344,000	923
Additional noninterest expense	$3,119,000	1,047
Pre-tax net operating income	$4,119,000	1,191
Securities gains (losses)	$15,000	532
Applicable income taxes	$645,000	1,181
Income before extraordinary items	$3,489,000	1,184
Extraordinary gains, net	$0	6
Net income	$3,489,000	1,183
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,489,000	1,183
Net charge-offs	$-47,000	5,000
Cash dividends	$1,494,000	972
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$3,476,400	1,187
2018-03-31 (YTD Data)		Rank
Total interest income	$5,684,000	1,246
Total interest expense	$392,000	2,050
Net interest income	$5,292,000	1,170
Provision for loan and lease losses	$35,000	2,343
Total noninterest income	$1,617,000	922
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$648,000	496
Trading account gains and fees	$0	123
Additional Noninterest Income	$969,000	950
Total noninterest expense	$4,925,000	1,082
Salaries and employee benefits	$2,749,000	1,098
Premises and equipment expense	$680,000	922
Additional noninterest expense	$1,496,000	1,082
Pre-tax net operating income	$1,949,000	1,213
Securities gains (losses)	$0	735
Applicable income taxes	$298,000	1,226
Income before extraordinary items	$1,651,000	1,230
Extraordinary gains, net	$0	7
Net income	$1,651,000	1,230
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,651,000	1,230
Net charge-offs	$-97,000	5,377
Cash dividends	$664,000	978
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,651,000	1,218
2017-12-31 (YTD Data)		Rank
Total interest income	$21,986,000	1,247
Total interest expense	$1,479,000	1,948
Net interest income	$20,507,000	1,185
Provision for loan and lease losses	$485,000	1,482
Total noninterest income	$8,092,000	805
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$2,507,000	508
Trading account gains and fees	$0	151
Additional Noninterest Income	$5,585,000	759
Total noninterest expense	$19,210,000	1,088
Salaries and employee benefits	$10,248,000	1,133
Premises and equipment expense	$2,896,000	841
Additional noninterest expense	$6,066,000	1,069
Pre-tax net operating income	$8,904,000	1,088
Securities gains (losses)	$-281,000	5,541
Applicable income taxes	$2,460,000	1,120
Income before extraordinary items	$6,163,000	1,145
Extraordinary gains, net	$0	9
Net income	$6,163,000	1,145
Minority interest net income	$0	76
Net income of bank and minority interests.	$6,163,000	1,145
Net charge-offs	$185,000	1,898
Cash dividends	$3,042,000	1,013
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$6,362,510	1,100
2017-09-30 (YTD Data)		Rank
Total interest income	$16,167,000	1,270
Total interest expense	$1,039,000	2,029
Net interest income	$15,128,000	1,203
Provision for loan and lease losses	$120,000	2,498
Total noninterest income	$5,481,000	870
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$1,865,000	517
Trading account gains and fees	$0	145
Additional Noninterest Income	$3,616,000	857
Total noninterest expense	$14,133,000	1,113
Salaries and employee benefits	$7,725,000	1,145
Premises and equipment expense	$2,099,000	885
Additional noninterest expense	$4,309,000	1,121
Pre-tax net operating income	$6,356,000	1,154
Securities gains (losses)	$176,000	401
Applicable income taxes	$1,698,000	1,022
Income before extraordinary items	$4,834,000	1,191
Extraordinary gains, net	$0	9
Net income	$4,834,000	1,191
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,834,000	1,191
Net charge-offs	$181,000	1,476
Cash dividends	$2,297,000	934
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$4,703,760	1,199
2017-06-30 (YTD Data)		Rank
Total interest income	$10,557,000	1,289
Total interest expense	$653,000	2,071
Net interest income	$9,904,000	1,222
Provision for loan and lease losses	$25,000	3,303
Total noninterest income	$3,547,000	883
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$1,221,000	522
Trading account gains and fees	$0	139
Additional Noninterest Income	$2,326,000	871
Total noninterest expense	$9,364,000	1,120
Salaries and employee benefits	$5,106,000	1,156
Premises and equipment expense	$1,397,000	887
Additional noninterest expense	$2,861,000	1,128
Pre-tax net operating income	$4,062,000	1,180
Securities gains (losses)	$125,000	378
Applicable income taxes	$1,076,000	1,055
Income before extraordinary items	$3,111,000	1,210
Extraordinary gains, net	$0	11
Net income	$3,111,000	1,209
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,111,000	1,210
Net charge-offs	$204,000	1,045
Cash dividends	$1,575,000	912
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$3,018,500	1,213
2017-03-31 (YTD Data)		Rank
Total interest income	$5,144,000	1,301
Total interest expense	$306,000	2,134
Net interest income	$4,838,000	1,240
Provision for loan and lease losses	$0	3,537
Total noninterest income	$1,666,000	915
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$593,000	536
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,073,000	911
Total noninterest expense	$4,629,000	1,145
Salaries and employee benefits	$2,514,000	1,179
Premises and equipment expense	$708,000	887
Additional noninterest expense	$1,407,000	1,134
Pre-tax net operating income	$1,875,000	1,243
Securities gains (losses)	$65,000	293
Applicable income taxes	$482,000	1,111
Income before extraordinary items	$1,458,000	1,249
Extraordinary gains, net	$0	8
Net income	$1,458,000	1,248
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,458,000	1,249
Net charge-offs	$-48,000	5,459
Cash dividends	$847,000	834
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,409,250	1,269
2016-12-31 (YTD Data)		Rank
Total interest income	$20,261,000	1,283
Total interest expense	$969,000	2,473
Net interest income	$19,292,000	1,216
Provision for loan and lease losses	$0	4,332
Total noninterest income	$7,568,000	853
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$2,495,000	517
Trading account gains and fees	$0	170
Additional Noninterest Income	$5,073,000	838
Total noninterest expense	$18,838,000	1,103
Salaries and employee benefits	$9,982,000	1,153
Premises and equipment expense	$2,587,000	936
Additional noninterest expense	$6,269,000	1,044
Pre-tax net operating income	$8,022,000	1,098
Securities gains (losses)	$312,000	643
Applicable income taxes	$2,201,000	968
Income before extraordinary items	$6,133,000	1,173
Extraordinary gains, net	$0	5
Net income	$6,133,000	1,172
Minority interest net income	$0	82
Net income of bank and minority interests.	$6,133,000	1,172
Net charge-offs	$-83,000	5,484
Cash dividends	$3,161,000	977
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$5,902,120	1,190
2016-09-30 (YTD Data)		Rank
Total interest income	$15,087,000	1,299
Total interest expense	$725,000	2,477
Net interest income	$14,362,000	1,227
Provision for loan and lease losses	$0	4,186
Total noninterest income	$5,703,000	851
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$1,848,000	526
Trading account gains and fees	$0	169
Additional Noninterest Income	$3,855,000	822
Total noninterest expense	$14,260,000	1,097
Salaries and employee benefits	$7,519,000	1,147
Premises and equipment expense	$1,959,000	932
Additional noninterest expense	$4,782,000	1,034
Pre-tax net operating income	$5,805,000	1,149
Securities gains (losses)	$255,000	672
Applicable income taxes	$1,622,000	1,017
Income before extraordinary items	$4,438,000	1,226
Extraordinary gains, net	$0	5
Net income	$4,438,000	1,226
Minority interest net income	$0	71
Net income of bank and minority interests.	$4,438,000	1,226
Net charge-offs	$-82,000	5,524
Cash dividends	$2,318,000	907
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$4,251,850	1,234
2016-06-30 (YTD Data)		Rank
Total interest income	$9,936,000	1,315
Total interest expense	$488,000	2,466
Net interest income	$9,448,000	1,237
Provision for loan and lease losses	$0	4,017
Total noninterest income	$3,667,000	864
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$1,210,000	532
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,457,000	834
Total noninterest expense	$9,611,000	1,080
Salaries and employee benefits	$4,976,000	1,156
Premises and equipment expense	$1,333,000	921
Additional noninterest expense	$3,302,000	998
Pre-tax net operating income	$3,504,000	1,249
Securities gains (losses)	$226,000	543
Applicable income taxes	$974,000	1,103
Income before extraordinary items	$2,756,000	1,296
Extraordinary gains, net	$0	16
Net income	$2,756,000	1,296
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,756,000	1,297
Net charge-offs	$-102,000	5,707
Cash dividends	$1,597,000	917
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,588,760	1,317
2016-03-31 (YTD Data)		Rank
Total interest income	$4,911,000	1,323
Total interest expense	$242,000	2,486
Net interest income	$4,669,000	1,248
Provision for loan and lease losses	$0	3,656
Total noninterest income	$1,772,000	863
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$585,000	545
Trading account gains and fees	$0	142
Additional Noninterest Income	$1,187,000	830
Total noninterest expense	$4,757,000	1,104
Salaries and employee benefits	$2,411,000	1,197
Premises and equipment expense	$641,000	964
Additional noninterest expense	$1,705,000	962
Pre-tax net operating income	$1,684,000	1,276
Securities gains (losses)	$70,000	677
Applicable income taxes	$469,000	1,106
Income before extraordinary items	$1,285,000	1,337
Extraordinary gains, net	$0	12
Net income	$1,285,000	1,336
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,285,000	1,338
Net charge-offs	$69,000	1,236
Cash dividends	$598,000	1,093
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,233,900	1,338
2015-12-31 (YTD Data)		Rank
Total interest income	$19,325,000	1,317
Total interest expense	$990,000	2,439
Net interest income	$18,335,000	1,244
Provision for loan and lease losses	$100,000	3,023
Total noninterest income	$7,785,000	816
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$2,522,000	528
Trading account gains and fees	$0	159
Additional Noninterest Income	$5,263,000	791
Total noninterest expense	$18,482,000	1,099
Salaries and employee benefits	$9,273,000	1,205
Premises and equipment expense	$2,396,000	1,001
Additional noninterest expense	$6,813,000	965
Pre-tax net operating income	$7,538,000	1,130
Securities gains (losses)	$261,000	618
Applicable income taxes	$1,989,000	1,017
Income before extraordinary items	$5,810,000	1,206
Extraordinary gains, net	$0	23
Net income	$5,810,000	1,206
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,810,000	1,206
Net charge-offs	$79,000	2,864
Cash dividends	$3,579,000	868
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$5,616,860	1,205
2015-09-30 (YTD Data)		Rank
Total interest income	$14,431,000	1,332
Total interest expense	$754,000	2,432
Net interest income	$13,677,000	1,260
Provision for loan and lease losses	$100,000	2,641
Total noninterest income	$6,157,000	797
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$1,949,000	511
Trading account gains and fees	$0	153
Additional Noninterest Income	$4,208,000	755
Total noninterest expense	$13,798,000	1,108
Salaries and employee benefits	$6,835,000	1,228
Premises and equipment expense	$1,786,000	1,024
Additional noninterest expense	$5,177,000	948
Pre-tax net operating income	$5,936,000	1,099
Securities gains (losses)	$208,000	626
Applicable income taxes	$1,565,000	1,005
Income before extraordinary items	$4,579,000	1,162
Extraordinary gains, net	$0	21
Net income	$4,579,000	1,161
Minority interest net income	$0	78
Net income of bank and minority interests.	$4,579,000	1,162
Net charge-offs	$-44,000	5,584
Cash dividends	$2,501,000	825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$4,423,000	1,170
2015-06-30 (YTD Data)		Rank
Total interest income	$9,568,000	1,342
Total interest expense	$510,000	2,435
Net interest income	$9,058,000	1,265
Provision for loan and lease losses	$100,000	2,201
Total noninterest income	$4,264,000	777
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$1,261,000	524
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,003,000	712
Total noninterest expense	$9,120,000	1,121
Salaries and employee benefits	$4,513,000	1,239
Premises and equipment expense	$1,188,000	1,027
Additional noninterest expense	$3,419,000	956
Pre-tax net operating income	$4,102,000	1,064
Securities gains (losses)	$53,000	1,197
Applicable income taxes	$1,028,000	1,009
Income before extraordinary items	$3,127,000	1,122
Extraordinary gains, net	$0	22
Net income	$3,127,000	1,121
Minority interest net income	$0	75
Net income of bank and minority interests.	$3,127,000	1,123
Net charge-offs	$-79,000	5,866
Cash dividends	$1,461,000	917
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$3,087,250	1,105
2015-03-31 (YTD Data)		Rank
Total interest income	$4,743,000	1,346
Total interest expense	$256,000	2,442
Net interest income	$4,487,000	1,265
Provision for loan and lease losses	$100,000	1,425
Total noninterest income	$2,370,000	687
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$613,000	527
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,757,000	629
Total noninterest expense	$4,606,000	1,112
Salaries and employee benefits	$2,299,000	1,217
Premises and equipment expense	$596,000	1,024
Additional noninterest expense	$1,711,000	933
Pre-tax net operating income	$2,151,000	1,001
Securities gains (losses)	$8,000	1,548
Applicable income taxes	$495,000	1,023
Income before extraordinary items	$1,664,000	1,029
Extraordinary gains, net	$0	13
Net income	$1,664,000	1,029
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,664,000	1,030
Net charge-offs	$-48,000	5,938
Cash dividends	$654,000	911
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,657,840	1,000
2014-12-31 (YTD Data)		Rank
Total interest income	$18,997,000	1,340
Total interest expense	$1,151,000	2,336
Net interest income	$17,846,000	1,251
Provision for loan and lease losses	$100,000	3,178
Total noninterest income	$6,840,000	882
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$2,405,000	575
Trading account gains and fees	$0	180
Additional Noninterest Income	$4,435,000	836
Total noninterest expense	$17,050,000	1,170
Salaries and employee benefits	$8,456,000	1,263
Premises and equipment expense	$2,388,000	1,005
Additional noninterest expense	$6,206,000	1,069
Pre-tax net operating income	$7,536,000	1,083
Securities gains (losses)	$284,000	627
Applicable income taxes	$2,097,000	952
Income before extraordinary items	$5,723,000	1,151
Extraordinary gains, net	$0	17
Net income	$5,723,000	1,149
Minority interest net income	$0	84
Net income of bank and minority interests.	$5,723,000	1,150
Net charge-offs	$662,000	1,213
Cash dividends	$2,731,000	1,003
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$5,515,680	1,164
2014-09-30 (YTD Data)		Rank
Total interest income	$14,198,000	1,346
Total interest expense	$873,000	2,365
Net interest income	$13,325,000	1,262
Provision for loan and lease losses	$100,000	2,760
Total noninterest income	$4,987,000	895
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$1,722,000	596
Trading account gains and fees	$0	174
Additional Noninterest Income	$3,265,000	838
Total noninterest expense	$12,684,000	1,191
Salaries and employee benefits	$6,288,000	1,279
Premises and equipment expense	$1,812,000	1,003
Additional noninterest expense	$4,584,000	1,078
Pre-tax net operating income	$5,528,000	1,115
Securities gains (losses)	$182,000	673
Applicable income taxes	$1,530,000	983
Income before extraordinary items	$4,180,000	1,187
Extraordinary gains, net	$0	15
Net income	$4,180,000	1,185
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,180,000	1,186
Net charge-offs	$176,000	2,135
Cash dividends	$1,985,000	963
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$4,047,140	1,193
2014-06-30 (YTD Data)		Rank
Total interest income	$9,385,000	1,351
Total interest expense	$591,000	2,353
Net interest income	$8,794,000	1,270
Provision for loan and lease losses	$100,000	2,327
Total noninterest income	$3,151,000	906
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$1,063,000	627
Trading account gains and fees	$0	172
Additional Noninterest Income	$2,088,000	853
Total noninterest expense	$8,376,000	1,201
Salaries and employee benefits	$4,160,000	1,285
Premises and equipment expense	$1,213,000	1,011
Additional noninterest expense	$3,003,000	1,081
Pre-tax net operating income	$3,469,000	1,142
Securities gains (losses)	$92,000	839
Applicable income taxes	$938,000	1,019
Income before extraordinary items	$2,623,000	1,205
Extraordinary gains, net	$0	20
Net income	$2,623,000	1,204
Minority interest net income	$0	80
Net income of bank and minority interests.	$2,623,000	1,206
Net charge-offs	$179,000	1,690
Cash dividends	$1,343,000	913
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$2,554,920	1,212
2014-03-31 (YTD Data)		Rank
Total interest income	$4,650,000	1,359
Total interest expense	$302,000	2,344
Net interest income	$4,348,000	1,280
Provision for loan and lease losses	$100,000	1,586
Total noninterest income	$1,505,000	914
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$500,000	653
Trading account gains and fees	$0	147
Additional Noninterest Income	$1,005,000	841
Total noninterest expense	$4,106,000	1,234
Salaries and employee benefits	$2,084,000	1,306
Premises and equipment expense	$618,000	1,013
Additional noninterest expense	$1,404,000	1,135
Pre-tax net operating income	$1,647,000	1,161
Securities gains (losses)	$66,000	560
Applicable income taxes	$446,000	1,010
Income before extraordinary items	$1,267,000	1,201
Extraordinary gains, net	$0	16
Net income	$1,267,000	1,202
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,267,000	1,202
Net charge-offs	$240,000	837
Cash dividends	$687,000	821
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,218,160	1,216
2013-12-31 (YTD Data)		Rank
Total interest income	$18,995,000	1,333
Total interest expense	$1,419,000	2,259
Net interest income	$17,576,000	1,256
Provision for loan and lease losses	$300,000	2,425
Total noninterest income	$6,266,000	966
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$2,979,000	476
Trading account gains and fees	$0	184
Additional Noninterest Income	$3,287,000	1,085
Total noninterest expense	$16,723,000	1,214
Salaries and employee benefits	$8,240,000	1,291
Premises and equipment expense	$2,341,000	1,018
Additional noninterest expense	$6,142,000	1,104
Pre-tax net operating income	$6,819,000	1,097
Securities gains (losses)	$136,000	1,130
Applicable income taxes	$1,814,000	972
Income before extraordinary items	$5,141,000	1,191
Extraordinary gains, net	$0	29
Net income	$5,141,000	1,192
Minority interest net income	$0	90
Net income of bank and minority interests.	$5,141,000	1,193
Net charge-offs	$1,417,000	979
Cash dividends	$2,399,000	1,046
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$5,040,360	1,191
2013-09-30 (YTD Data)		Rank
Total interest income	$14,345,000	1,337
Total interest expense	$1,092,000	2,277
Net interest income	$13,253,000	1,244
Provision for loan and lease losses	$300,000	2,060
Total noninterest income	$4,624,000	993
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$2,020,000	513
Trading account gains and fees	$0	180
Additional Noninterest Income	$2,604,000	1,073
Total noninterest expense	$12,549,000	1,221
Salaries and employee benefits	$6,236,000	1,287
Premises and equipment expense	$1,742,000	1,039
Additional noninterest expense	$4,571,000	1,108
Pre-tax net operating income	$5,028,000	1,139
Securities gains (losses)	$88,000	1,306
Applicable income taxes	$1,326,000	1,029
Income before extraordinary items	$3,790,000	1,223
Extraordinary gains, net	$0	25
Net income	$3,790,000	1,223
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,790,000	1,225
Net charge-offs	$440,000	1,723
Cash dividends	$1,735,000	980
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$3,724,880	1,213
2013-06-30 (YTD Data)		Rank
Total interest income	$9,614,000	1,322
Total interest expense	$748,000	2,281
Net interest income	$8,866,000	1,225
Provision for loan and lease losses	$300,000	1,629
Total noninterest income	$3,312,000	941
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$1,182,000	560
Trading account gains and fees	$0	157
Additional Noninterest Income	$2,130,000	946
Total noninterest expense	$8,433,000	1,213
Salaries and employee benefits	$4,117,000	1,293
Premises and equipment expense	$1,162,000	1,032
Additional noninterest expense	$3,154,000	1,067
Pre-tax net operating income	$3,445,000	1,091
Securities gains (losses)	$76,000	1,281
Applicable income taxes	$937,000	987
Income before extraordinary items	$2,584,000	1,180
Extraordinary gains, net	$0	22
Net income	$2,584,000	1,182
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,584,000	1,183
Net charge-offs	$288,000	1,733
Cash dividends	$995,000	1,115
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$2,528,520	1,159
2013-03-31 (YTD Data)		Rank
Total interest income	$4,808,000	1,323
Total interest expense	$388,000	2,260
Net interest income	$4,420,000	1,233
Provision for loan and lease losses	$300,000	980
Total noninterest income	$1,674,000	942
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$562,000	589
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,112,000	928
Total noninterest expense	$4,123,000	1,236
Salaries and employee benefits	$2,017,000	1,327
Premises and equipment expense	$570,000	1,071
Additional noninterest expense	$1,536,000	1,083
Pre-tax net operating income	$1,671,000	1,096
Securities gains (losses)	$23,000	1,213
Applicable income taxes	$446,000	1,008
Income before extraordinary items	$1,248,000	1,197
Extraordinary gains, net	$0	10
Net income	$1,248,000	1,199
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,248,000	1,199
Net charge-offs	$271,000	1,136
Cash dividends	$589,000	838
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$1,230,980	1,159
2012-12-31 (YTD Data)		Rank
Total interest income	$20,202,000	1,322
Total interest expense	$2,544,000	1,722
Net interest income	$17,658,000	1,247
Provision for loan and lease losses	$2,515,000	887
Total noninterest income	$6,470,000	949
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$2,367,000	602
Trading account gains and fees	$0	166
Additional Noninterest Income	$4,103,000	943
Total noninterest expense	$16,353,000	1,234
Salaries and employee benefits	$7,873,000	1,303
Premises and equipment expense	$2,256,000	1,056
Additional noninterest expense	$6,224,000	1,118
Pre-tax net operating income	$5,260,000	1,313
Securities gains (losses)	$419,000	1,072
Applicable income taxes	$1,372,000	1,168
Income before extraordinary items	$4,307,000	1,367
Extraordinary gains, net	$0	29
Net income	$4,307,000	1,368
Minority interest net income	$0	93
Net income of bank and minority interests.	$4,307,000	1,368
Net charge-offs	$1,876,000	1,220
Cash dividends	$1,710,000	1,358
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,988,560	1,372
2012-09-30 (YTD Data)		Rank
Total interest income	$15,273,000	1,337
Total interest expense	$2,060,000	1,682
Net interest income	$13,213,000	1,261
Provision for loan and lease losses	$1,975,000	864
Total noninterest income	$4,746,000	962
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$1,735,000	619
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,011,000	938
Total noninterest expense	$12,116,000	1,238
Salaries and employee benefits	$5,799,000	1,332
Premises and equipment expense	$1,711,000	1,055
Additional noninterest expense	$4,606,000	1,115
Pre-tax net operating income	$3,868,000	1,364
Securities gains (losses)	$307,000	1,097
Applicable income taxes	$974,000	1,256
Income before extraordinary items	$3,201,000	1,405
Extraordinary gains, net	$0	20
Net income	$3,201,000	1,406
Minority interest net income	$0	86
Net income of bank and minority interests.	$3,201,000	1,406
Net charge-offs	$1,415,000	1,159
Cash dividends	$1,266,000	1,132
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,964,610	1,413
2012-06-30 (YTD Data)		Rank
Total interest income	$10,174,000	1,346
Total interest expense	$1,470,000	1,637
Net interest income	$8,704,000	1,279
Provision for loan and lease losses	$1,475,000	815
Total noninterest income	$3,120,000	950
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$1,122,000	635
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,998,000	913
Total noninterest expense	$7,968,000	1,251
Salaries and employee benefits	$3,819,000	1,350
Premises and equipment expense	$1,137,000	1,043
Additional noninterest expense	$3,012,000	1,143
Pre-tax net operating income	$2,381,000	1,463
Securities gains (losses)	$286,000	891
Applicable income taxes	$598,000	1,322
Income before extraordinary items	$2,069,000	1,439
Extraordinary gains, net	$0	19
Net income	$2,069,000	1,439
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,069,000	1,439
Net charge-offs	$1,079,000	1,075
Cash dividends	$815,000	1,142
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,845,920	1,502
2012-03-31 (YTD Data)		Rank
Total interest income	$5,172,000	1,333
Total interest expense	$757,000	1,656
Net interest income	$4,415,000	1,258
Provision for loan and lease losses	$825,000	712
Total noninterest income	$1,525,000	967
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$557,000	642
Trading account gains and fees	$0	148
Additional Noninterest Income	$968,000	925
Total noninterest expense	$3,982,000	1,253
Salaries and employee benefits	$1,869,000	1,386
Premises and equipment expense	$592,000	1,013
Additional noninterest expense	$1,521,000	1,122
Pre-tax net operating income	$1,133,000	1,518
Securities gains (losses)	$169,000	670
Applicable income taxes	$268,000	1,407
Income before extraordinary items	$1,034,000	1,413
Extraordinary gains, net	$0	19
Net income	$1,034,000	1,414
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,034,000	1,414
Net charge-offs	$702,000	866
Cash dividends	$388,000	1,084
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$900,490	1,516
2011-12-31 (YTD Data)		Rank
Total interest income	$21,468,000	1,334
Total interest expense	$3,552,000	1,679
Net interest income	$17,916,000	1,239
Provision for loan and lease losses	$3,700,000	1,011
Total noninterest income	$5,976,000	904
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$3,454,000	441
Trading account gains and fees	$0	146
Additional Noninterest Income	$2,522,000	1,164
Total noninterest expense	$15,707,000	1,255
Salaries and employee benefits	$7,348,000	1,355
Premises and equipment expense	$2,247,000	1,111
Additional noninterest expense	$6,112,000	1,150
Pre-tax net operating income	$4,485,000	1,298
Securities gains (losses)	$129,000	1,840
Applicable income taxes	$1,076,000	1,277
Income before extraordinary items	$3,538,000	1,386
Extraordinary gains, net	$0	29
Net income	$3,538,000	1,386
Minority interest net income	$0	96
Net income of bank and minority interests.	$3,538,000	1,386
Net charge-offs	$3,216,000	1,137
Cash dividends	$1,695,000	1,109
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$3,438,670	1,362
2011-09-30 (YTD Data)		Rank
Total interest income	$16,063,000	1,347
Total interest expense	$2,728,000	1,709
Net interest income	$13,335,000	1,253
Provision for loan and lease losses	$2,800,000	979
Total noninterest income	$4,463,000	917
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$2,613,000	446
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,850,000	1,178
Total noninterest expense	$11,786,000	1,257
Salaries and employee benefits	$5,518,000	1,353
Premises and equipment expense	$1,724,000	1,100
Additional noninterest expense	$4,544,000	1,148
Pre-tax net operating income	$3,212,000	1,407
Securities gains (losses)	$67,000	2,106
Applicable income taxes	$747,000	1,355
Income before extraordinary items	$2,532,000	1,500
Extraordinary gains, net	$0	21
Net income	$2,532,000	1,500
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,532,000	1,500
Net charge-offs	$2,695,000	1,010
Cash dividends	$1,274,000	959
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,480,410	1,449
2011-06-30 (YTD Data)		Rank
Total interest income	$10,664,000	1,364
Total interest expense	$1,851,000	1,743
Net interest income	$8,813,000	1,270
Provision for loan and lease losses	$1,850,000	974
Total noninterest income	$2,962,000	935
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$1,715,000	450
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,247,000	1,154
Total noninterest expense	$7,877,000	1,269
Salaries and employee benefits	$3,676,000	1,360
Premises and equipment expense	$1,132,000	1,129
Additional noninterest expense	$3,069,000	1,155
Pre-tax net operating income	$2,048,000	1,420
Securities gains (losses)	$62,000	1,453
Applicable income taxes	$468,000	1,382
Income before extraordinary items	$1,642,000	1,492
Extraordinary gains, net	$0	15
Net income	$1,642,000	1,492
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,642,000	1,492
Net charge-offs	$1,777,000	995
Cash dividends	$875,000	906
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,593,640	1,476
2011-03-31 (YTD Data)		Rank
Total interest income	$5,282,000	1,390
Total interest expense	$938,000	1,767
Net interest income	$4,344,000	1,284
Provision for loan and lease losses	$1,000,000	850
Total noninterest income	$1,364,000	985
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$810,000	462
Trading account gains and fees	$0	158
Additional Noninterest Income	$554,000	1,265
Total noninterest expense	$3,842,000	1,302
Salaries and employee benefits	$1,808,000	1,398
Premises and equipment expense	$549,000	1,198
Additional noninterest expense	$1,485,000	1,197
Pre-tax net operating income	$866,000	1,647
Securities gains (losses)	$36,000	869
Applicable income taxes	$183,000	1,594
Income before extraordinary items	$719,000	1,633
Extraordinary gains, net	$0	9
Net income	$719,000	1,633
Minority interest net income	$0	86
Net income of bank and minority interests.	$719,000	1,633
Net charge-offs	$998,000	861
Cash dividends	$436,000	832
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$690,200	1,648
2010-12-31 (YTD Data)		Rank
Total interest income	$21,955,000	1,391
Total interest expense	$4,967,000	1,671
Net interest income	$16,988,000	1,322
Provision for loan and lease losses	$3,950,000	1,353
Total noninterest income	$5,126,000	1,077
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$3,160,000	479
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,966,000	1,419
Total noninterest expense	$15,181,000	1,320
Salaries and employee benefits	$7,040,000	1,401
Premises and equipment expense	$2,157,000	1,200
Additional noninterest expense	$5,984,000	1,236
Pre-tax net operating income	$2,983,000	1,634
Securities gains (losses)	$443,000	977
Applicable income taxes	$677,000	1,604
Income before extraordinary items	$2,749,000	1,512
Extraordinary gains, net	$0	29
Net income	$2,749,000	1,513
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,749,000	1,514
Net charge-offs	$3,543,000	1,321
Cash dividends	$1,641,000	982
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,394,600	1,654
2010-09-30 (YTD Data)		Rank
Total interest income	$16,432,000	1,424
Total interest expense	$3,880,000	1,669
Net interest income	$12,552,000	1,349
Provision for loan and lease losses	$2,950,000	1,280
Total noninterest income	$3,816,000	1,047
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$2,345,000	485
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,471,000	1,362
Total noninterest expense	$11,293,000	1,315
Salaries and employee benefits	$5,244,000	1,417
Premises and equipment expense	$1,657,000	1,188
Additional noninterest expense	$4,392,000	1,233
Pre-tax net operating income	$2,125,000	1,808
Securities gains (losses)	$488,000	754
Applicable income taxes	$530,000	1,615
Income before extraordinary items	$2,083,000	1,588
Extraordinary gains, net	$0	23
Net income	$2,083,000	1,591
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,083,000	1,591
Net charge-offs	$2,431,000	1,333
Cash dividends	$1,193,000	910
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,692,600	1,849
2010-06-30 (YTD Data)		Rank
Total interest income	$10,928,000	1,452
Total interest expense	$2,662,000	1,688
Net interest income	$8,266,000	1,371
Provision for loan and lease losses	$2,050,000	1,253
Total noninterest income	$2,441,000	1,064
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$1,524,000	497
Trading account gains and fees	$0	152
Additional Noninterest Income	$917,000	1,374
Total noninterest expense	$7,378,000	1,345
Salaries and employee benefits	$3,436,000	1,441
Premises and equipment expense	$1,080,000	1,228
Additional noninterest expense	$2,862,000	1,245
Pre-tax net operating income	$1,279,000	1,950
Securities gains (losses)	$397,000	575
Applicable income taxes	$338,000	1,614
Income before extraordinary items	$1,338,000	1,639
Extraordinary gains, net	$0	19
Net income	$1,338,000	1,638
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,338,000	1,639
Net charge-offs	$1,515,000	1,359
Cash dividends	$772,000	910
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,020,400	1,998
2010-03-31 (YTD Data)		Rank
Total interest income	$5,436,000	1,492
Total interest expense	$1,379,000	1,711
Net interest income	$4,057,000	1,413
Provision for loan and lease losses	$1,050,000	1,127
Total noninterest income	$1,117,000	1,118
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$729,000	523
Trading account gains and fees	$0	175
Additional Noninterest Income	$388,000	1,542
Total noninterest expense	$3,675,000	1,369
Salaries and employee benefits	$1,680,000	1,494
Premises and equipment expense	$551,000	1,236
Additional noninterest expense	$1,444,000	1,218
Pre-tax net operating income	$449,000	2,610
Securities gains (losses)	$389,000	307
Applicable income taxes	$175,000	1,566
Income before extraordinary items	$663,000	1,643
Extraordinary gains, net	$0	16
Net income	$663,000	1,644
Minority interest net income	$0	91
Net income of bank and minority interests.	$663,000	1,645
Net charge-offs	$685,000	1,348
Cash dividends	$402,000	827
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$355,690	2,675
2009-12-31 (YTD Data)		Rank
Total interest income	$23,070,000	1,492
Total interest expense	$7,090,000	1,670
Net interest income	$15,980,000	1,385
Provision for loan and lease losses	$4,875,000	1,457
Total noninterest income	$5,065,000	1,087
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$3,177,000	526
Trading account gains and fees	$0	211
Additional Noninterest Income	$1,888,000	1,431
Total noninterest expense	$15,193,000	1,349
Salaries and employee benefits	$6,902,000	1,461
Premises and equipment expense	$2,227,000	1,222
Additional noninterest expense	$6,064,000	1,250
Pre-tax net operating income	$977,000	3,023
Securities gains (losses)	$339,000	1,130
Applicable income taxes	$-178,000	6,729
Income before extraordinary items	$1,494,000	2,127
Extraordinary gains, net	$0	34
Net income	$1,494,000	2,125
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,494,000	2,127
Net charge-offs	$4,153,000	1,305
Cash dividends	$938,000	1,717
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,155,000	2,485
2009-09-30 (YTD Data)		Rank
Total interest income	$17,508,000	1,498
Total interest expense	$5,524,000	1,679
Net interest income	$11,984,000	1,388
Provision for loan and lease losses	$3,175,000	1,429
Total noninterest income	$4,040,000	1,036
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$2,349,000	532
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,691,000	1,287
Total noninterest expense	$11,498,000	1,329
Salaries and employee benefits	$5,234,000	1,466
Premises and equipment expense	$1,614,000	1,278
Additional noninterest expense	$4,650,000	1,209
Pre-tax net operating income	$1,351,000	2,243
Securities gains (losses)	$141,000	1,551
Applicable income taxes	$26,000	3,685
Income before extraordinary items	$1,466,000	1,820
Extraordinary gains, net	$0	27
Net income	$1,466,000	1,819
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,466,000	1,820
Net charge-offs	$2,672,000	1,267
Cash dividends	$589,000	1,827
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,327,820	1,966
2009-06-30 (YTD Data)		Rank
Total interest income	$11,716,000	1,531
Total interest expense	$3,813,000	1,700
Net interest income	$7,903,000	1,405
Provision for loan and lease losses	$1,950,000	1,413
Total noninterest income	$2,742,000	1,035
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$1,503,000	552
Trading account gains and fees	$0	193
Additional Noninterest Income	$1,239,000	1,238
Total noninterest expense	$7,699,000	1,354
Salaries and employee benefits	$3,502,000	1,486
Premises and equipment expense	$1,078,000	1,304
Additional noninterest expense	$3,119,000	1,222
Pre-tax net operating income	$996,000	2,121
Securities gains (losses)	$106,000	1,455
Applicable income taxes	$56,000	3,074
Income before extraordinary items	$1,046,000	1,782
Extraordinary gains, net	$0	21
Net income	$1,046,000	1,778
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,046,000	1,781
Net charge-offs	$1,718,000	1,243
Cash dividends	$388,000	1,931
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$945,300	1,876
2009-03-31 (YTD Data)		Rank
Total interest income	$5,907,000	1,537
Total interest expense	$2,016,000	1,679
Net interest income	$3,891,000	1,426
Provision for loan and lease losses	$600,000	1,587
Total noninterest income	$1,273,000	1,058
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$717,000	561
Trading account gains and fees	$0	171
Additional Noninterest Income	$556,000	1,298
Total noninterest expense	$3,772,000	1,324
Salaries and employee benefits	$1,774,000	1,481
Premises and equipment expense	$546,000	1,309
Additional noninterest expense	$1,452,000	1,151
Pre-tax net operating income	$792,000	1,622
Securities gains (losses)	$103,000	981
Applicable income taxes	$144,000	1,783
Income before extraordinary items	$751,000	1,456
Extraordinary gains, net	$0	15
Net income	$751,000	1,456
Minority interest net income	$0	102
Net income of bank and minority interests.	$751,000	1,458
Net charge-offs	$142,000	2,474
Cash dividends	$388,000	1,141
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$664,480	1,548
2008-12-31 (YTD Data)		Rank
Total interest income	$26,506,000	1,470
Total interest expense	$11,203,000	1,456
Net interest income	$15,303,000	1,458
Provision for loan and lease losses	$3,475,000	1,271
Total noninterest income	$4,916,000	1,068
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$3,280,000	526
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,636,000	1,501
Total noninterest expense	$14,650,000	1,329
Salaries and employee benefits	$7,140,000	1,444
Premises and equipment expense	$2,163,000	1,260
Additional noninterest expense	$5,347,000	1,200
Pre-tax net operating income	$2,094,000	2,356
Securities gains (losses)	$-850,000	7,682
Applicable income taxes	$-181,000	7,199
Income before extraordinary items	$1,425,000	2,604
Extraordinary gains, net	$0	39
Net income	$1,425,000	2,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,475,000	902
Cash dividends	$2,017,000	1,329
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$2,275,000	1,877
2008-09-30 (YTD Data)		Rank
Total interest income	$20,090,000	1,485
Total interest expense	$8,699,000	1,471
Net interest income	$11,391,000	1,487
Provision for loan and lease losses	$1,750,000	1,293
Total noninterest income	$3,655,000	1,122
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$2,487,000	528
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,168,000	1,633
Total noninterest expense	$10,843,000	1,326
Salaries and employee benefits	$5,390,000	1,458
Premises and equipment expense	$1,626,000	1,267
Additional noninterest expense	$3,827,000	1,197
Pre-tax net operating income	$2,453,000	1,959
Securities gains (losses)	$15,000	2,175
Applicable income taxes	$389,000	2,191
Income before extraordinary items	$2,079,000	1,710
Extraordinary gains, net	$0	31
Net income	$2,079,000	1,709
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,265,000	1,130
Cash dividends	$1,554,000	1,268
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,066,400	1,824
2008-06-30 (YTD Data)		Rank
Total interest income	$13,498,000	1,502
Total interest expense	$6,084,000	1,451
Net interest income	$7,414,000	1,507
Provision for loan and lease losses	$1,000,000	1,220
Total noninterest income	$2,549,000	1,096
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$1,607,000	536
Trading account gains and fees	$0	149
Additional Noninterest Income	$942,000	1,461
Total noninterest expense	$7,152,000	1,342
Salaries and employee benefits	$3,650,000	1,433
Premises and equipment expense	$1,083,000	1,261
Additional noninterest expense	$2,419,000	1,237
Pre-tax net operating income	$1,811,000	1,843
Securities gains (losses)	$15,000	2,228
Applicable income taxes	$284,000	2,283
Income before extraordinary items	$1,542,000	1,754
Extraordinary gains, net	$0	21
Net income	$1,542,000	1,755
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$890,000	928
Cash dividends	$1,040,000	1,350
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,529,400	1,739
2008-03-31 (YTD Data)		Rank
Total interest income	$6,921,000	1,489
Total interest expense	$3,230,000	1,453
Net interest income	$3,691,000	1,504
Provision for loan and lease losses	$550,000	955
Total noninterest income	$1,300,000	1,075
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$784,000	538
Trading account gains and fees	$0	158
Additional Noninterest Income	$516,000	1,389
Total noninterest expense	$3,533,000	1,354
Salaries and employee benefits	$1,817,000	1,461
Premises and equipment expense	$554,000	1,236
Additional noninterest expense	$1,162,000	1,236
Pre-tax net operating income	$908,000	1,953
Securities gains (losses)	$16,000	1,726
Applicable income taxes	$153,000	2,294
Income before extraordinary items	$771,000	1,878
Extraordinary gains, net	$0	15
Net income	$771,000	1,880
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$307,000	961
Cash dividends	$544,000	1,274
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$757,720	1,835
2007-12-31 (YTD Data)		Rank
Total interest income	$28,737,000	1,499
Total interest expense	$13,621,000	1,472
Net interest income	$15,116,000	1,507
Provision for loan and lease losses	$2,035,000	833
Total noninterest income	$6,467,000	889
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$3,321,000	524
Trading account gains and fees	$0	178
Additional Noninterest Income	$3,146,000	976
Total noninterest expense	$14,921,000	1,249
Salaries and employee benefits	$7,709,000	1,298
Premises and equipment expense	$2,190,000	1,207
Additional noninterest expense	$5,022,000	1,122
Pre-tax net operating income	$4,627,000	1,755
Securities gains (losses)	$13,000	1,241
Applicable income taxes	$978,000	1,891
Income before extraordinary items	$3,662,000	1,724
Extraordinary gains, net	$0	39
Net income	$3,662,000	1,723
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,004,000	618
Cash dividends	$2,347,000	1,437
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$3,651,730	1,719
2007-09-30 (YTD Data)		Rank
Total interest income	$21,627,000	1,500
Total interest expense	$10,159,000	1,478
Net interest income	$11,468,000	1,487
Provision for loan and lease losses	$1,035,000	876
Total noninterest income	$4,297,000	989
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$2,474,000	516
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,823,000	1,197
Total noninterest expense	$11,402,000	1,219
Salaries and employee benefits	$6,026,000	1,243
Premises and equipment expense	$1,664,000	1,186
Additional noninterest expense	$3,712,000	1,113
Pre-tax net operating income	$3,328,000	1,930
Securities gains (losses)	$11,000	979
Applicable income taxes	$709,000	2,065
Income before extraordinary items	$2,630,000	1,923
Extraordinary gains, net	$0	33
Net income	$2,630,000	1,920
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$881,000	708
Cash dividends	$1,818,000	1,312
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,621,310	1,911
2007-06-30 (YTD Data)		Rank
Total interest income	$14,254,000	1,531
Total interest expense	$6,664,000	1,505
Net interest income	$7,590,000	1,519
Provision for loan and lease losses	$370,000	1,308
Total noninterest income	$2,880,000	993
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$1,598,000	542
Trading account gains and fees	$0	168
Additional Noninterest Income	$1,282,000	1,173
Total noninterest expense	$7,579,000	1,240
Salaries and employee benefits	$3,957,000	1,286
Premises and equipment expense	$1,126,000	1,189
Additional noninterest expense	$2,496,000	1,119
Pre-tax net operating income	$2,521,000	1,805
Securities gains (losses)	$0	1,444
Applicable income taxes	$582,000	1,878
Income before extraordinary items	$1,939,000	1,782
Extraordinary gains, net	$0	29
Net income	$1,939,000	1,782
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$391,000	850
Cash dividends	$1,112,000	1,401
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,939,000	1,773
2007-03-31 (YTD Data)		Rank
Total interest income	$7,025,000	1,542
Total interest expense	$3,259,000	1,524
Net interest income	$3,766,000	1,527
Provision for loan and lease losses	$100,000	2,001
Total noninterest income	$1,430,000	993
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$726,000	574
Trading account gains and fees	$0	195
Additional Noninterest Income	$704,000	1,074
Total noninterest expense	$3,757,000	1,247
Salaries and employee benefits	$1,937,000	1,325
Premises and equipment expense	$592,000	1,136
Additional noninterest expense	$1,228,000	1,109
Pre-tax net operating income	$1,339,000	1,702
Securities gains (losses)	$-2,000	8,059
Applicable income taxes	$318,000	1,792
Income before extraordinary items	$1,019,000	1,686
Extraordinary gains, net	$0	22
Net income	$1,019,000	1,686
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$120,000	1,036
Cash dividends	$658,000	1,139
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$1,020,520	1,676
2006-12-31 (YTD Data)		Rank
Total interest income	$17,418,000	2,243
Total interest expense	$8,718,000	1,898
Net interest income	$8,700,000	2,594
Provision for loan and lease losses	$200,000	3,517
Total noninterest income	$2,943,000	1,664
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$1,450,000	1,229
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,493,000	1,673
Total noninterest expense	$8,573,000	2,052
Salaries and employee benefits	$4,664,000	2,097
Premises and equipment expense	$1,301,000	1,938
Additional noninterest expense	$2,608,000	2,037
Pre-tax net operating income	$2,870,000	2,861
Securities gains (losses)	$-66,000	8,040
Applicable income taxes	$682,000	2,706
Income before extraordinary items	$2,122,000	2,973
Extraordinary gains, net	$0	51
Net income	$2,122,000	2,973
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$329,000	1,550
Cash dividends	$4,373,000	808
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,172,160	2,914
2006-09-30 (YTD Data)		Rank
Total interest income	$11,284,000	2,541
Total interest expense	$5,645,000	2,094
Net interest income	$5,639,000	2,947
Provision for loan and lease losses	$110,000	3,941
Total noninterest income	$1,968,000	1,827
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$870,000	1,544
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,098,000	1,694
Total noninterest expense	$5,489,000	2,410
Salaries and employee benefits	$2,951,000	2,474
Premises and equipment expense	$843,000	2,211
Additional noninterest expense	$1,695,000	2,285
Pre-tax net operating income	$2,008,000	3,098
Securities gains (losses)	$96,000	450
Applicable income taxes	$533,000	2,776
Income before extraordinary items	$1,571,000	3,103
Extraordinary gains, net	$0	45
Net income	$1,571,000	3,104
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$211,000	1,476
Cash dividends	$811,000	2,225
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,499,000	3,200
2006-06-30 (YTD Data)		Rank
Total interest income	$7,390,000	2,544
Total interest expense	$3,542,000	2,108
Net interest income	$3,848,000	2,886
Provision for loan and lease losses	$35,000	4,878
Total noninterest income	$1,343,000	1,796
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$568,000	1,556
Trading account gains and fees	$0	126
Additional Noninterest Income	$775,000	1,629
Total noninterest expense	$3,697,000	2,390
Salaries and employee benefits	$2,008,000	2,440
Premises and equipment expense	$555,000	2,241
Additional noninterest expense	$1,134,000	2,289
Pre-tax net operating income	$1,459,000	2,933
Securities gains (losses)	$55,000	442
Applicable income taxes	$392,000	2,651
Income before extraordinary items	$1,122,000	2,939
Extraordinary gains, net	$0	39
Net income	$1,122,000	2,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$137,000	1,416
Cash dividends	$610,000	2,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,081,300	3,020
2006-03-31 (YTD Data)		Rank
Total interest income	$3,653,000	2,524
Total interest expense	$1,676,000	2,129
Net interest income	$1,977,000	2,801
Provision for loan and lease losses	$10,000	5,231
Total noninterest income	$664,000	1,776
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$272,000	1,560
Trading account gains and fees	$0	115
Additional Noninterest Income	$392,000	1,598
Total noninterest expense	$1,874,000	2,368
Salaries and employee benefits	$1,012,000	2,424
Premises and equipment expense	$278,000	2,247
Additional noninterest expense	$584,000	2,218
Pre-tax net operating income	$757,000	2,811
Securities gains (losses)	$-1,000	7,892
Applicable income taxes	$196,000	2,634
Income before extraordinary items	$560,000	2,892
Extraordinary gains, net	$0	21
Net income	$560,000	2,891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	1,641
Cash dividends	$391,000	1,660
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$560,740	2,875
2005-12-31 (YTD Data)		Rank
Total interest income	$13,304,000	2,483
Total interest expense	$5,279,000	2,093
Net interest income	$8,025,000	2,691
Provision for loan and lease losses	$495,000	1,920
Total noninterest income	$2,608,000	1,812
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$1,059,000	1,639
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,549,000	1,623
Total noninterest expense	$7,070,000	2,369
Salaries and employee benefits	$3,877,000	2,360
Premises and equipment expense	$1,116,000	2,152
Additional noninterest expense	$2,077,000	2,401
Pre-tax net operating income	$3,068,000	2,702
Securities gains (losses)	$-28,000	7,972
Applicable income taxes	$812,000	2,583
Income before extraordinary items	$2,228,000	2,816
Extraordinary gains, net	$0	46
Net income	$2,228,000	2,817
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$271,000	1,870
Cash dividends	$1,160,000	2,214
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,248,440	2,759
2005-09-30 (YTD Data)		Rank
Total interest income	$9,776,000	2,475
Total interest expense	$3,741,000	2,099
Net interest income	$6,035,000	2,659
Provision for loan and lease losses	$380,000	1,786
Total noninterest income	$1,902,000	1,858
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$756,000	1,703
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,146,000	1,645
Total noninterest expense	$5,267,000	2,355
Salaries and employee benefits	$2,912,000	2,328
Premises and equipment expense	$842,000	2,120
Additional noninterest expense	$1,513,000	2,431
Pre-tax net operating income	$2,290,000	2,751
Securities gains (losses)	$-5,000	7,675
Applicable income taxes	$595,000	2,653
Income before extraordinary items	$1,690,000	2,840
Extraordinary gains, net	$0	35
Net income	$1,690,000	2,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$264,000	1,385
Cash dividends	$857,000	2,032
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,693,700	2,801
2005-06-30 (YTD Data)		Rank
Total interest income	$6,333,000	2,479
Total interest expense	$2,364,000	2,084
Net interest income	$3,969,000	2,677
Provision for loan and lease losses	$250,000	1,767
Total noninterest income	$1,252,000	1,867
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$467,000	1,789
Trading account gains and fees	$0	116
Additional Noninterest Income	$785,000	1,603
Total noninterest expense	$3,476,000	2,368
Salaries and employee benefits	$1,954,000	2,309
Premises and equipment expense	$560,000	2,112
Additional noninterest expense	$962,000	2,535
Pre-tax net operating income	$1,495,000	2,763
Securities gains (losses)	$-1,000	7,609
Applicable income taxes	$387,000	2,665
Income before extraordinary items	$1,107,000	2,861
Extraordinary gains, net	$0	30
Net income	$1,107,000	2,860
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$176,000	1,320
Cash dividends	$586,000	1,991
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,107,740	2,815
2005-03-31 (YTD Data)		Rank
Total interest income	$3,080,000	2,513
Total interest expense	$1,107,000	2,125
Net interest income	$1,973,000	2,672
Provision for loan and lease losses	$100,000	2,031
Total noninterest income	$629,000	1,810
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$212,000	1,908
Trading account gains and fees	$0	115
Additional Noninterest Income	$417,000	1,509
Total noninterest expense	$1,773,000	2,330
Salaries and employee benefits	$974,000	2,334
Premises and equipment expense	$284,000	2,106
Additional noninterest expense	$515,000	2,364
Pre-tax net operating income	$729,000	2,770
Securities gains (losses)	$-1,000	8,158
Applicable income taxes	$190,000	2,683
Income before extraordinary items	$538,000	2,871
Extraordinary gains, net	$0	24
Net income	$538,000	2,873
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	1,607
Cash dividends	$237,000	2,039
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$538,740	2,820
2004-12-31 (YTD Data)		Rank
Total interest income	$11,731,000	2,450
Total interest expense	$4,067,000	2,013
Net interest income	$7,664,000	2,636
Provision for loan and lease losses	$465,000	2,077
Total noninterest income	$2,532,000	1,845
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$915,000	1,915
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,617,000	1,543
Total noninterest expense	$7,104,000	2,244
Salaries and employee benefits	$3,830,000	2,273
Premises and equipment expense	$1,024,000	2,239
Additional noninterest expense	$2,250,000	2,168
Pre-tax net operating income	$2,627,000	2,873
Securities gains (losses)	$38,000	1,945
Applicable income taxes	$728,000	2,693
Income before extraordinary items	$1,937,000	2,996
Extraordinary gains, net	$0	34
Net income	$1,937,000	2,996
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$700,000	1,007
Cash dividends	$1,599,000	1,652
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,909,260	2,976
2004-09-30 (YTD Data)		Rank
Total interest income	$8,635,000	2,453
Total interest expense	$2,988,000	2,007
Net interest income	$5,647,000	2,652
Provision for loan and lease losses	$275,000	2,404
Total noninterest income	$1,873,000	1,876
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$677,000	1,943
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,196,000	1,570
Total noninterest expense	$5,317,000	2,225
Salaries and employee benefits	$2,856,000	2,261
Premises and equipment expense	$866,000	1,994
Additional noninterest expense	$1,595,000	2,268
Pre-tax net operating income	$1,928,000	2,976
Securities gains (losses)	$38,000	1,863
Applicable income taxes	$564,000	2,690
Income before extraordinary items	$1,402,000	3,139
Extraordinary gains, net	$0	26
Net income	$1,402,000	3,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$493,000	962
Cash dividends	$1,337,000	1,386
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,375,020	3,116
2004-06-30 (YTD Data)		Rank
Total interest income	$5,719,000	2,453
Total interest expense	$1,948,000	2,023
Net interest income	$3,771,000	2,627
Provision for loan and lease losses	$160,000	2,593
Total noninterest income	$1,259,000	1,844
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$433,000	1,989
Trading account gains and fees	$0	130
Additional Noninterest Income	$826,000	1,519
Total noninterest expense	$3,531,000	2,234
Salaries and employee benefits	$1,906,000	2,266
Premises and equipment expense	$568,000	2,025
Additional noninterest expense	$1,057,000	2,282
Pre-tax net operating income	$1,339,000	2,837
Securities gains (losses)	$35,000	1,694
Applicable income taxes	$404,000	2,539
Income before extraordinary items	$970,000	3,012
Extraordinary gains, net	$0	21
Net income	$970,000	3,012
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$442,000	776
Cash dividends	$493,000	2,195
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$945,150	2,989
2004-03-31 (YTD Data)		Rank
Total interest income	$2,874,000	2,444
Total interest expense	$964,000	2,071
Net interest income	$1,910,000	2,598
Provision for loan and lease losses	$80,000	2,465
Total noninterest income	$659,000	1,745
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$202,000	2,061
Trading account gains and fees	$0	121
Additional Noninterest Income	$457,000	1,384
Total noninterest expense	$1,784,000	2,235
Salaries and employee benefits	$978,000	2,242
Premises and equipment expense	$275,000	2,111
Additional noninterest expense	$531,000	2,245
Pre-tax net operating income	$705,000	2,687
Securities gains (losses)	$29,000	1,519
Applicable income taxes	$210,000	2,492
Income before extraordinary items	$524,000	2,828
Extraordinary gains, net	$0	16
Net income	$524,000	2,828
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$341,000	557
Cash dividends	$490,000	1,264
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$503,410	2,829
2003-12-31 (YTD Data)		Rank
Total interest income	$12,329,000	2,336
Total interest expense	$4,555,000	1,962
Net interest income	$7,774,000	2,485
Provision for loan and lease losses	$400,000	2,580
Total noninterest income	$3,048,000	1,661
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$926,000	1,865
Trading account gains and fees	$0	160
Additional Noninterest Income	$2,122,000	1,416
Total noninterest expense	$7,571,000	2,079
Salaries and employee benefits	$4,019,000	2,116
Premises and equipment expense	$1,225,000	1,868
Additional noninterest expense	$2,327,000	2,073
Pre-tax net operating income	$2,851,000	2,616
Securities gains (losses)	$38,000	2,739
Applicable income taxes	$741,000	2,679
Income before extraordinary items	$2,148,000	2,716
Extraordinary gains, net	$0	54
Net income	$2,148,000	2,717
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$637,000	1,324
Cash dividends	$974,000	2,379
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,119,880	2,608
2003-09-30 (YTD Data)		Rank
Total interest income	$9,407,000	2,329
Total interest expense	$3,515,000	1,991
Net interest income	$5,892,000	2,485
Provision for loan and lease losses	$375,000	2,114
Total noninterest income	$2,288,000	1,705
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$705,000	1,841
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,583,000	1,478
Total noninterest expense	$5,652,000	2,100
Salaries and employee benefits	$3,111,000	2,056
Premises and equipment expense	$945,000	1,823
Additional noninterest expense	$1,596,000	2,250
Pre-tax net operating income	$2,153,000	2,690
Securities gains (losses)	$37,000	2,545
Applicable income taxes	$567,000	2,778
Income before extraordinary items	$1,623,000	2,796
Extraordinary gains, net	$0	40
Net income	$1,623,000	2,795
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$624,000	995
Cash dividends	$700,000	2,172
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,595,620	2,687
2003-06-30 (YTD Data)		Rank
Total interest income	$6,365,000	2,307
Total interest expense	$2,415,000	1,986
Net interest income	$3,950,000	2,461
Provision for loan and lease losses	$245,000	2,166
Total noninterest income	$1,550,000	1,673
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$465,000	1,817
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,085,000	1,430
Total noninterest expense	$3,786,000	2,084
Salaries and employee benefits	$2,069,000	2,050
Premises and equipment expense	$638,000	1,783
Additional noninterest expense	$1,079,000	2,204
Pre-tax net operating income	$1,469,000	2,643
Securities gains (losses)	$0	3,782
Applicable income taxes	$415,000	2,622
Income before extraordinary items	$1,054,000	2,862
Extraordinary gains, net	$0	30
Net income	$1,054,000	2,861
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$348,000	1,119
Cash dividends	$478,000	2,228
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,054,000	2,693
2003-03-31 (YTD Data)		Rank
Total interest income	$3,239,000	2,274
Total interest expense	$1,259,000	1,958
Net interest income	$1,980,000	2,455
Provision for loan and lease losses	$170,000	1,543
Total noninterest income	$803,000	1,576
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$218,000	1,877
Trading account gains and fees	$0	134
Additional Noninterest Income	$585,000	1,327
Total noninterest expense	$1,888,000	2,071
Salaries and employee benefits	$1,012,000	2,089
Premises and equipment expense	$323,000	1,771
Additional noninterest expense	$553,000	2,128
Pre-tax net operating income	$725,000	2,666
Securities gains (losses)	$0	2,891
Applicable income taxes	$209,000	2,617
Income before extraordinary items	$516,000	2,879
Extraordinary gains, net	$0	21
Net income	$516,000	2,877
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$287,000	726
Cash dividends	$328,000	1,677
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$516,000	2,739
2002-12-31 (YTD Data)		Rank
Total interest income	$14,269,000	2,153
Total interest expense	$6,164,000	1,848
Net interest income	$8,105,000	2,370
Provision for loan and lease losses	$1,270,000	1,076
Total noninterest income	$3,614,000	1,355
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$946,000	1,697
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,668,000	1,084
Total noninterest expense	$8,080,000	1,870
Salaries and employee benefits	$4,087,000	1,957
Premises and equipment expense	$1,585,000	1,389
Additional noninterest expense	$2,408,000	1,919
Pre-tax net operating income	$2,369,000	3,005
Securities gains (losses)	$11,000	3,555
Applicable income taxes	$688,000	2,886
Income before extraordinary items	$1,692,000	3,195
Extraordinary gains, net	$0	70
Net income	$1,692,000	3,194
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,025,000	953
Cash dividends	$836,000	2,580
Sale, conversion, retirement of capital stock, net	$16,000	784
Net operating income	$1,684,190	3,107
2001-12-31 (YTD Data)		Rank
Total interest income	$16,116,000	2,138
Total interest expense	$8,518,000	1,909
Net interest income	$7,598,000	2,359
Provision for loan and lease losses	$1,003,000	1,248
Total noninterest income	$2,638,000	1,623
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$544,000	2,643
Trading account gains and fees	$0	177
Additional Noninterest Income	$2,094,000	1,205
Total noninterest expense	$7,126,000	2,016
Salaries and employee benefits	$3,575,000	2,114
Premises and equipment expense	$1,297,000	1,665
Additional noninterest expense	$2,254,000	1,997
Pre-tax net operating income	$2,107,000	3,051
Securities gains (losses)	$9,000	3,652
Applicable income taxes	$614,000	2,927
Income before extraordinary items	$1,502,000	3,222
Extraordinary gains, net	$0	105
Net income	$1,502,000	3,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,092,000	885
Cash dividends	$830,000	2,565
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,495,610	3,130
2000-12-31 (YTD Data)		Rank
Total interest income	$16,921,000	2,086
Total interest expense	$8,889,000	1,944
Net interest income	$8,032,000	2,213
Provision for loan and lease losses	$1,075,000	1,002
Total noninterest income	$2,354,000	1,663
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$464,000	2,893
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,890,000	1,186
Total noninterest expense	$7,029,000	1,978
Salaries and employee benefits	$3,433,000	2,076
Premises and equipment expense	$1,270,000	1,636
Additional noninterest expense	$2,326,000	1,891
Pre-tax net operating income	$2,282,000	3,001
Securities gains (losses)	$0	1,956
Applicable income taxes	$703,000	2,767
Income before extraordinary items	$1,579,000	3,122
Extraordinary gains, net	$0	38
Net income	$1,579,000	3,120
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$881,000	825
Cash dividends	$934,000	2,416
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,579,000	3,118
1999-12-31 (YTD Data)		Rank
Total interest income	$14,693,000	2,221
Total interest expense	$6,994,000	2,121
Net interest income	$7,699,000	2,291
Provision for loan and lease losses	$625,000	1,451
Total noninterest income	$1,980,000	1,873
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$431,000	3,015
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,549,000	1,368
Total noninterest expense	$6,164,000	2,221
Salaries and employee benefits	$3,112,000	2,252
Premises and equipment expense	$1,072,000	1,911
Additional noninterest expense	$1,980,000	2,208
Pre-tax net operating income	$2,890,000	2,496
Securities gains (losses)	$4,000	2,267
Applicable income taxes	$905,000	2,377
Income before extraordinary items	$1,989,000	2,607
Extraordinary gains, net	$0	35
Net income	$1,989,000	2,607
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$569,000	1,103
Cash dividends	$796,000	2,690
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,986,240	2,574
1998-12-31 (YTD Data)		Rank
Total interest income	$14,010,000	2,323
Total interest expense	$6,803,000	2,231
Net interest income	$7,207,000	2,364
Provision for loan and lease losses	$730,000	1,266
Total noninterest income	$1,958,000	1,868
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$356,000	3,459
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,602,000	1,342
Total noninterest expense	$5,587,000	2,345
Salaries and employee benefits	$2,967,000	2,272
Premises and equipment expense	$888,000	2,189
Additional noninterest expense	$1,732,000	2,398
Pre-tax net operating income	$2,848,000	2,496
Securities gains (losses)	$35,000	2,006
Applicable income taxes	$902,000	2,493
Income before extraordinary items	$1,981,000	2,576
Extraordinary gains, net	$0	32
Net income	$1,981,000	2,577
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$446,000	1,386
Cash dividends	$1,821,000	1,441
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,956,850	2,530
1997-12-31 (YTD Data)		Rank
Total interest income	$12,567,000	2,609
Total interest expense	$6,252,000	2,408
Net interest income	$6,315,000	2,755
Provision for loan and lease losses	$539,000	1,680
Total noninterest income	$1,748,000	1,963
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$317,000	3,896
Trading account gains and fees	$0	239
Additional Noninterest Income	$1,431,000	1,369
Total noninterest expense	$5,133,000	2,505
Salaries and employee benefits	$2,843,000	2,326
Premises and equipment expense	$758,000	2,548
Additional noninterest expense	$1,532,000	2,684
Pre-tax net operating income	$2,391,000	3,026
Securities gains (losses)	$28,000	1,673
Applicable income taxes	$649,000	3,461
Income before extraordinary items	$1,770,000	2,876
Extraordinary gains, net	$0	44
Net income	$1,770,000	2,875
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$459,000	1,434
Cash dividends	$839,000	2,490
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,749,560	2,857
1996-12-31 (YTD Data)		Rank
Total interest income	$10,417,000	3,158
Total interest expense	$4,664,000	3,202
Net interest income	$5,753,000	3,074
Provision for loan and lease losses	$523,000	1,678
Total noninterest income	$1,556,000	2,238
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$312,000	4,108
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,244,000	1,564
Total noninterest expense	$4,386,000	3,087
Salaries and employee benefits	$2,377,000	2,825
Premises and equipment expense	$656,000	2,951
Additional noninterest expense	$1,353,000	3,408
Pre-tax net operating income	$2,400,000	2,887
Securities gains (losses)	$0	4,148
Applicable income taxes	$672,000	3,271
Income before extraordinary items	$1,728,000	2,812
Extraordinary gains, net	$0	53
Net income	$1,728,000	2,814
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$156,000	3,092
Cash dividends	$824,000	2,443
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,728,000	2,776
1995-12-31 (YTD Data)		Rank
Total interest income	$8,799,000	3,693
Total interest expense	$3,867,000	3,781
Net interest income	$4,932,000	3,590
Provision for loan and lease losses	$164,000	3,466
Total noninterest income	$621,000	4,461
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$314,000	4,136
Trading account gains and fees	$0	522
Additional Noninterest Income	$307,000	3,943
Total noninterest expense	$3,348,000	3,898
Salaries and employee benefits	$1,756,000	3,724
Premises and equipment expense	$437,000	4,211
Additional noninterest expense	$1,155,000	3,871
Pre-tax net operating income	$2,041,000	3,428
Securities gains (losses)	$0	3,831
Applicable income taxes	$533,000	3,996
Income before extraordinary items	$1,508,000	3,234
Extraordinary gains, net	$0	65
Net income	$1,508,000	3,232
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	4,132
Cash dividends	$1,410,000	1,574
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,508,000	3,211
1994-12-31 (YTD Data)		Rank
Total interest income	$7,655,000	3,895
Total interest expense	$3,187,000	3,748
Net interest income	$4,468,000	3,946
Provision for loan and lease losses	$126,000	3,941
Total noninterest income	$555,000	4,924
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$266,000	4,811
Trading account gains and fees	$0	475
Additional Noninterest Income	$289,000	4,192
Total noninterest expense	$3,234,000	4,133
Salaries and employee benefits	$1,592,000	4,067
Premises and equipment expense	$420,000	4,403
Additional noninterest expense	$1,222,000	3,995
Pre-tax net operating income	$1,663,000	4,033
Securities gains (losses)	$3,000	2,889
Applicable income taxes	$379,000	4,948
Income before extraordinary items	$1,287,000	3,622
Extraordinary gains, net	$0	249
Net income	$1,287,000	3,629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$87,000	3,982
Cash dividends	$514,000	3,122
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,284,690	3,668
1993-12-31 (YTD Data)		Rank
Total interest income	$7,789,000	3,907
Total interest expense	$3,447,000	3,639
Net interest income	$4,342,000	4,085
Provision for loan and lease losses	$121,000	5,179
Total noninterest income	$544,000	5,294
Gross Fiduciary activities income	$0	1,630
Service charges on deposit accounts	$263,000	4,909
Trading account gains and fees	$0	532
Additional Noninterest Income	$281,000	4,644
Total noninterest expense	$3,133,000	4,347
Salaries and employee benefits	$1,586,000	4,055
Premises and equipment expense	$435,000	4,387
Additional noninterest expense	$1,112,000	4,493
Pre-tax net operating income	$1,632,000	4,015
Securities gains (losses)	$56,000	3,232
Applicable income taxes	$392,000	5,083
Income before extraordinary items	$1,296,000	3,721
Extraordinary gains, net	$0	3,149
Net income	$1,296,000	3,837
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	6,011
Cash dividends	$466,000	3,284
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,252,880	3,645
1992-12-31 (YTD Data)		Rank
Total interest income	$8,480,000	4,077
Total interest expense	$3,934,000	4,139
Net interest income	$4,546,000	3,968
Provision for loan and lease losses	$420,000	3,347
Total noninterest income	$592,000	5,008
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$256,000	5,041
Trading account gains and fees	NA	NA
Additional Noninterest Income	$336,000	4,131
Total noninterest expense	$2,993,000	4,546
Salaries and employee benefits	$1,500,000	4,230
Premises and equipment expense	$352,000	5,344
Additional noninterest expense	$1,141,000	4,548
Pre-tax net operating income	$1,725,000	3,567
Securities gains (losses)	$21,000	5,524
Applicable income taxes	$403,000	4,769
Income before extraordinary items	$1,343,000	3,414
Extraordinary gains, net	$-28,000	13,532
Net income	$1,315,000	3,525
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$207,000	4,125
Cash dividends	$458,000	3,002
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,326,830	3,210

* 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.