Home > Citizens State Bank > Income and Expense

Citizens State Bank, Income and Expense

Basic Info Reviews History Routing Number Locations

2023-12-31 (YTD Data)		Rank
Total interest income	$16,338,000	2,160
Total interest expense	$4,222,000	2,216
Net interest income	$12,116,000	2,102
Provision for loan and lease losses	$0	3,275
Total noninterest income	$2,229,000	1,898
Gross Fiduciary activities income	$198,000	675
Service charges on deposit accounts	$238,000	2,484
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,793,000	1,712
Total noninterest expense	$8,785,000	2,194
Salaries and employee benefits	$4,641,000	2,301
Premises and equipment expense	$842,000	2,237
Additional noninterest expense	$1,793,000	1,712
Pre-tax net operating income	$5,560,000	1,814
Securities gains (losses)	$-30,000	3,546
Applicable income taxes	$190,000	2,472
Income before extraordinary items	$5,340,000	1,659
Extraordinary gains, net	$0	54
Net income	$5,340,000	1,679
Minority interest net income	$0	88
Net income of bank and minority interests.	$5,340,000	1,662
Net charge-offs	$-77,000	4,286
Cash dividends	$1,729,000	1,672
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$5,369,100	1,680
2023-09-30 (YTD Data)		Rank
Total interest income	$11,774,000	2,180
Total interest expense	$2,812,000	2,230
Net interest income	$8,962,000	2,130
Provision for loan and lease losses	$0	3,085
Total noninterest income	$1,657,000	1,907
Gross Fiduciary activities income	$146,000	676
Service charges on deposit accounts	$179,000	2,502
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,332,000	1,721
Total noninterest expense	$6,444,000	2,218
Salaries and employee benefits	$3,468,000	2,309
Premises and equipment expense	$588,000	2,327
Additional noninterest expense	$1,332,000	1,721
Pre-tax net operating income	$4,175,000	1,855
Securities gains (losses)	$-30,000	3,716
Applicable income taxes	$139,000	2,532
Income before extraordinary items	$4,006,000	1,718
Extraordinary gains, net	$0	52
Net income	$4,006,000	1,732
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,006,000	1,718
Net charge-offs	$-79,000	4,319
Cash dividends	$1,729,000	1,276
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$4,035,100	1,731
2023-06-30 (YTD Data)		Rank
Total interest income	$7,515,000	2,214
Total interest expense	$1,639,000	2,233
Net interest income	$5,876,000	2,169
Provision for loan and lease losses	$0	2,940
Total noninterest income	$1,108,000	1,845
Gross Fiduciary activities income	$95,000	676
Service charges on deposit accounts	$122,000	2,460
Trading account gains and fees	NA	NA
Additional Noninterest Income	$891,000	1,639
Total noninterest expense	$4,252,000	2,227
Salaries and employee benefits	$2,356,000	2,269
Premises and equipment expense	$359,000	2,448
Additional noninterest expense	$891,000	1,637
Pre-tax net operating income	$2,732,000	1,863
Securities gains (losses)	$-30,000	3,979
Applicable income taxes	$88,000	2,601
Income before extraordinary items	$2,614,000	1,734
Extraordinary gains, net	$0	51
Net income	$2,614,000	1,754
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,614,000	1,734
Net charge-offs	$-52,000	4,341
Cash dividends	$1,297,000	1,203
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,643,100	1,730
2023-03-31 (YTD Data)		Rank
Total interest income	$3,605,000	2,253
Total interest expense	$723,000	2,202
Net interest income	$2,882,000	2,208
Provision for loan and lease losses	$0	2,612
Total noninterest income	$572,000	1,815
Gross Fiduciary activities income	$44,000	703
Service charges on deposit accounts	$58,000	2,531
Trading account gains and fees	NA	NA
Additional Noninterest Income	$470,000	1,572
Total noninterest expense	$2,094,000	2,278
Salaries and employee benefits	$1,200,000	2,276
Premises and equipment expense	$193,000	2,399
Additional noninterest expense	$470,000	1,572
Pre-tax net operating income	$1,360,000	1,902
Securities gains (losses)	$-15,000	4,080
Applicable income taxes	$25,000	2,880
Income before extraordinary items	$1,320,000	1,740
Extraordinary gains, net	$0	4
Net income	$1,320,000	1,739
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,320,000	1,740
Net charge-offs	$-58,000	4,472
Cash dividends	$432,000	1,338
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,334,700	1,748
2022-12-31 (YTD Data)		Rank
Total interest income	$12,027,000	2,278
Total interest expense	$1,172,000	2,213
Net interest income	$10,855,000	2,265
Provision for loan and lease losses	$-500,000	4,523
Total noninterest income	$2,101,000	1,994
Gross Fiduciary activities income	$241,000	689
Service charges on deposit accounts	$213,000	2,677
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,647,000	1,815
Total noninterest expense	$8,366,000	2,240
Salaries and employee benefits	$4,310,000	2,376
Premises and equipment expense	$746,000	2,416
Additional noninterest expense	$1,647,000	1,815
Pre-tax net operating income	$5,090,000	2,027
Securities gains (losses)	$9,000	448
Applicable income taxes	$258,000	2,511
Income before extraordinary items	$4,841,000	1,861
Extraordinary gains, net	$0	5
Net income	$4,841,000	1,859
Minority interest net income	$0	63
Net income of bank and minority interests.	$4,841,000	1,860
Net charge-offs	$-230,000	4,462
Cash dividends	$1,747,000	1,640
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$4,832,450	1,894
2022-09-30 (YTD Data)		Rank
Total interest income	$8,523,000	2,303
Total interest expense	$778,000	2,080
Net interest income	$7,745,000	2,304
Provision for loan and lease losses	$-250,000	4,521
Total noninterest income	$1,629,000	1,981
Gross Fiduciary activities income	$187,000	681
Service charges on deposit accounts	$155,000	2,732
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,287,000	1,802
Total noninterest expense	$6,086,000	2,277
Salaries and employee benefits	$3,202,000	2,395
Premises and equipment expense	$461,000	2,677
Additional noninterest expense	$1,287,000	1,802
Pre-tax net operating income	$3,538,000	2,081
Securities gains (losses)	$0	740
Applicable income taxes	$351,000	2,083
Income before extraordinary items	$3,187,000	2,019
Extraordinary gains, net	$0	4
Net income	$3,187,000	2,018
Minority interest net income	$0	57
Net income of bank and minority interests.	$3,187,000	2,018
Net charge-offs	$-216,000	4,491
Cash dividends	$1,697,000	1,249
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$3,187,000	2,048
2022-06-30 (YTD Data)		Rank
Total interest income	$5,157,000	2,393
Total interest expense	$505,000	1,942
Net interest income	$4,652,000	2,419
Provision for loan and lease losses	$0	2,599
Total noninterest income	$1,045,000	2,017
Gross Fiduciary activities income	$109,000	660
Service charges on deposit accounts	$94,000	2,849
Trading account gains and fees	NA	NA
Additional Noninterest Income	$842,000	1,851
Total noninterest expense	$3,800,000	2,363
Salaries and employee benefits	$2,083,000	2,428
Premises and equipment expense	$297,000	2,738
Additional noninterest expense	$1,420,000	2,079
Pre-tax net operating income	$1,897,000	2,273
Securities gains (losses)	$0	687
Applicable income taxes	$273,000	1,907
Income before extraordinary items	$1,624,000	2,242
Extraordinary gains, net	$0	4
Net income	$1,624,000	2,243
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,624,000	2,242
Net charge-offs	$-336,000	4,644
Cash dividends	$1,285,000	1,164
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,624,000	2,280
2022-03-31 (YTD Data)		Rank
Total interest income	$2,419,000	2,434
Total interest expense	$261,000	1,861
Net interest income	$2,158,000	2,481
Provision for loan and lease losses	$0	2,285
Total noninterest income	$511,000	2,052
Gross Fiduciary activities income	$58,000	656
Service charges on deposit accounts	$45,000	2,869
Trading account gains and fees	NA	NA
Additional Noninterest Income	$408,000	1,886
Total noninterest expense	$1,885,000	2,383
Salaries and employee benefits	$1,034,000	2,450
Premises and equipment expense	$140,000	2,852
Additional noninterest expense	$711,000	2,078
Pre-tax net operating income	$784,000	2,412
Securities gains (losses)	$0	623
Applicable income taxes	$195,000	1,628
Income before extraordinary items	$589,000	2,556
Extraordinary gains, net	$0	4
Net income	$589,000	2,554
Minority interest net income	$0	50
Net income of bank and minority interests.	$589,000	2,556
Net charge-offs	$40,000	748
Cash dividends	$462,000	1,232
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$589,000	2,580
2021-12-31 (YTD Data)		Rank
Total interest income	$10,574,000	2,391
Total interest expense	$1,455,000	1,707
Net interest income	$9,119,000	2,453
Provision for loan and lease losses	$120,000	2,036
Total noninterest income	$2,283,000	2,085
Gross Fiduciary activities income	$215,000	659
Service charges on deposit accounts	$133,000	3,140
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,935,000	1,940
Total noninterest expense	$6,942,000	2,498
Salaries and employee benefits	$4,145,000	2,435
Premises and equipment expense	$543,000	2,903
Additional noninterest expense	$2,254,000	2,382
Pre-tax net operating income	$4,340,000	2,224
Securities gains (losses)	$6,000	1,813
Applicable income taxes	$275,000	2,527
Income before extraordinary items	$4,071,000	2,132
Extraordinary gains, net	$0	10
Net income	$4,071,000	2,133
Minority interest net income	$0	74
Net income of bank and minority interests.	$4,071,000	2,133
Net charge-offs	$-76,000	4,271
Cash dividends	$1,795,000	1,647
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$4,065,360	2,106
2021-09-30 (YTD Data)		Rank
Total interest income	$8,150,000	2,402
Total interest expense	$1,169,000	1,699
Net interest income	$6,981,000	2,469
Provision for loan and lease losses	$120,000	1,843
Total noninterest income	$1,762,000	2,107
Gross Fiduciary activities income	$167,000	654
Service charges on deposit accounts	$93,000	3,231
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,502,000	1,953
Total noninterest expense	$5,149,000	2,529
Salaries and employee benefits	$3,108,000	2,461
Premises and equipment expense	$407,000	2,929
Additional noninterest expense	$1,634,000	2,437
Pre-tax net operating income	$3,474,000	2,242
Securities gains (losses)	$3,000	1,854
Applicable income taxes	$62,000	3,123
Income before extraordinary items	$3,415,000	2,080
Extraordinary gains, net	$0	8
Net income	$3,415,000	2,080
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,415,000	2,081
Net charge-offs	$14,000	1,869
Cash dividends	$1,655,000	1,304
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$3,412,060	2,056
2021-06-30 (YTD Data)		Rank
Total interest income	$5,752,000	2,303
Total interest expense	$866,000	1,617
Net interest income	$4,886,000	2,401
Provision for loan and lease losses	$120,000	1,537
Total noninterest income	$1,219,000	2,025
Gross Fiduciary activities income	$119,000	653
Service charges on deposit accounts	$56,000	3,302
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,044,000	1,860
Total noninterest expense	$3,437,000	2,513
Salaries and employee benefits	$2,053,000	2,469
Premises and equipment expense	$277,000	2,888
Additional noninterest expense	$1,107,000	2,406
Pre-tax net operating income	$2,548,000	2,095
Securities gains (losses)	$0	1,818
Applicable income taxes	$50,000	3,032
Income before extraordinary items	$2,498,000	1,945
Extraordinary gains, net	$0	6
Net income	$2,498,000	1,944
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,498,000	1,945
Net charge-offs	$-101,000	4,593
Cash dividends	$1,242,000	1,201
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$2,498,000	1,908
2021-03-31 (YTD Data)		Rank
Total interest income	$2,662,000	2,413
Total interest expense	$476,000	1,580
Net interest income	$2,186,000	2,529
Provision for loan and lease losses	$90,000	1,312
Total noninterest income	$650,000	1,961
Gross Fiduciary activities income	$69,000	641
Service charges on deposit accounts	$29,000	3,251
Trading account gains and fees	NA	NA
Additional Noninterest Income	$552,000	1,817
Total noninterest expense	$1,681,000	2,536
Salaries and employee benefits	$1,010,000	2,487
Premises and equipment expense	$144,000	2,839
Additional noninterest expense	$527,000	2,445
Pre-tax net operating income	$1,065,000	2,283
Securities gains (losses)	$0	1,392
Applicable income taxes	$30,000	2,921
Income before extraordinary items	$1,035,000	2,173
Extraordinary gains, net	$0	3
Net income	$1,035,000	2,172
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,035,000	2,173
Net charge-offs	$-37,000	4,526
Cash dividends	$454,000	1,275
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,035,000	2,132
2020-12-31 (YTD Data)		Rank
Total interest income	$11,575,000	2,295
Total interest expense	$2,467,000	1,719
Net interest income	$9,108,000	2,405
Provision for loan and lease losses	$1,110,000	1,496
Total noninterest income	$2,464,000	1,894
Gross Fiduciary activities income	$185,000	675
Service charges on deposit accounts	$157,000	3,052
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,122,000	1,734
Total noninterest expense	$6,799,000	2,505
Salaries and employee benefits	$3,927,000	2,511
Premises and equipment expense	$554,000	2,880
Additional noninterest expense	$2,318,000	2,305
Pre-tax net operating income	$3,663,000	2,162
Securities gains (losses)	$16,000	2,179
Applicable income taxes	$47,000	3,191
Income before extraordinary items	$3,632,000	2,037
Extraordinary gains, net	$0	4
Net income	$3,632,000	2,037
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,632,000	2,037
Net charge-offs	$630,000	852
Cash dividends	$1,256,000	1,952
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$3,616,160	1,987
2020-09-30 (YTD Data)		Rank
Total interest income	$8,844,000	2,286
Total interest expense	$1,935,000	1,739
Net interest income	$6,909,000	2,387
Provision for loan and lease losses	$1,005,000	1,358
Total noninterest income	$1,783,000	1,901
Gross Fiduciary activities income	$138,000	670
Service charges on deposit accounts	$117,000	3,078
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,528,000	1,719
Total noninterest expense	$5,016,000	2,506
Salaries and employee benefits	$2,964,000	2,486
Premises and equipment expense	$411,000	2,912
Additional noninterest expense	$1,641,000	2,360
Pre-tax net operating income	$2,671,000	2,202
Securities gains (losses)	$16,000	1,993
Applicable income taxes	$34,000	3,217
Income before extraordinary items	$2,653,000	2,064
Extraordinary gains, net	$0	4
Net income	$2,653,000	2,065
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,653,000	2,065
Net charge-offs	$588,000	679
Cash dividends	$1,206,000	1,518
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,637,160	2,015
2020-06-30 (YTD Data)		Rank
Total interest income	$5,977,000	2,297
Total interest expense	$1,361,000	1,767
Net interest income	$4,616,000	2,402
Provision for loan and lease losses	$705,000	1,328
Total noninterest income	$1,136,000	1,889
Gross Fiduciary activities income	$94,000	676
Service charges on deposit accounts	$77,000	3,118
Trading account gains and fees	NA	NA
Additional Noninterest Income	$965,000	1,706
Total noninterest expense	$3,326,000	2,518
Salaries and employee benefits	$1,981,000	2,485
Premises and equipment expense	$267,000	2,946
Additional noninterest expense	$1,078,000	2,387
Pre-tax net operating income	$1,721,000	2,211
Securities gains (losses)	$16,000	1,748
Applicable income taxes	$22,000	3,196
Income before extraordinary items	$1,715,000	2,043
Extraordinary gains, net	$0	4
Net income	$1,715,000	2,043
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,715,000	2,043
Net charge-offs	$819,000	443
Cash dividends	$794,000	1,545
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,699,160	2,020
2020-03-31 (YTD Data)		Rank
Total interest income	$2,971,000	2,284
Total interest expense	$740,000	1,780
Net interest income	$2,231,000	2,416
Provision for loan and lease losses	$555,000	835
Total noninterest income	$402,000	2,177
Gross Fiduciary activities income	$42,000	693
Service charges on deposit accounts	$50,000	3,061
Trading account gains and fees	NA	NA
Additional Noninterest Income	$310,000	1,976
Total noninterest expense	$1,640,000	2,573
Salaries and employee benefits	$973,000	2,534
Premises and equipment expense	$136,000	2,951
Additional noninterest expense	$531,000	2,438
Pre-tax net operating income	$438,000	2,950
Securities gains (losses)	$16,000	1,188
Applicable income taxes	$5,000	3,270
Income before extraordinary items	$449,000	2,773
Extraordinary gains, net	$0	4
Net income	$449,000	2,773
Minority interest net income	$0	56
Net income of bank and minority interests.	$449,000	2,774
Net charge-offs	$507,000	366
Cash dividends	$225,000	1,864
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$433,160	2,801
2019-12-31 (YTD Data)		Rank
Total interest income	$12,097,000	2,272
Total interest expense	$2,566,000	2,015
Net interest income	$9,531,000	2,317
Provision for loan and lease losses	$2,925,000	377
Total noninterest income	$1,672,000	2,173
Gross Fiduciary activities income	$220,000	682
Service charges on deposit accounts	$238,000	2,938
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,214,000	2,032
Total noninterest expense	$6,365,000	2,591
Salaries and employee benefits	$3,663,000	2,603
Premises and equipment expense	$521,000	3,028
Additional noninterest expense	$2,181,000	2,418
Pre-tax net operating income	$1,913,000	3,088
Securities gains (losses)	$8,000	1,962
Applicable income taxes	$23,000	3,516
Income before extraordinary items	$1,898,000	2,972
Extraordinary gains, net	$0	11
Net income	$1,898,000	2,972
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,898,000	2,973
Net charge-offs	$2,470,000	352
Cash dividends	$2,153,000	1,506
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,890,080	2,936
2019-09-30 (YTD Data)		Rank
Total interest income	$8,920,000	2,330
Total interest expense	$1,881,000	2,052
Net interest income	$7,039,000	2,391
Provision for loan and lease losses	$2,475,000	344
Total noninterest income	$1,221,000	2,205
Gross Fiduciary activities income	$174,000	670
Service charges on deposit accounts	$181,000	2,961
Trading account gains and fees	NA	NA
Additional Noninterest Income	$866,000	2,078
Total noninterest expense	$4,793,000	2,611
Salaries and employee benefits	$2,778,000	2,601
Premises and equipment expense	$383,000	3,097
Additional noninterest expense	$1,632,000	2,423
Pre-tax net operating income	$992,000	3,642
Securities gains (losses)	$2,000	1,990
Applicable income taxes	$11,000	3,665
Income before extraordinary items	$983,000	3,522
Extraordinary gains, net	$0	11
Net income	$983,000	3,522
Minority interest net income	$0	72
Net income of bank and minority interests.	$983,000	3,522
Net charge-offs	$2,148,000	295
Cash dividends	$2,078,000	1,160
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$981,020	3,499
2019-06-30 (YTD Data)		Rank
Total interest income	$5,934,000	2,334
Total interest expense	$1,209,000	2,082
Net interest income	$4,725,000	2,378
Provision for loan and lease losses	$2,095,000	281
Total noninterest income	$744,000	2,275
Gross Fiduciary activities income	$90,000	694
Service charges on deposit accounts	$117,000	2,998
Trading account gains and fees	NA	NA
Additional Noninterest Income	$537,000	2,127
Total noninterest expense	$3,234,000	2,606
Salaries and employee benefits	$1,891,000	2,573
Premises and equipment expense	$252,000	3,120
Additional noninterest expense	$1,091,000	2,437
Pre-tax net operating income	$140,000	4,821
Securities gains (losses)	$-2,000	4,715
Applicable income taxes	$1,000	3,851
Income before extraordinary items	$137,000	4,801
Extraordinary gains, net	$0	11
Net income	$137,000	4,799
Minority interest net income	$0	69
Net income of bank and minority interests.	$137,000	4,799
Net charge-offs	$185,000	1,046
Cash dividends	$1,563,000	1,065
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$138,980	4,790
2019-03-31 (YTD Data)		Rank
Total interest income	$2,933,000	2,344
Total interest expense	$587,000	2,088
Net interest income	$2,346,000	2,400
Provision for loan and lease losses	$75,000	1,682
Total noninterest income	$338,000	2,374
Gross Fiduciary activities income	$42,000	710
Service charges on deposit accounts	$57,000	3,036
Trading account gains and fees	NA	NA
Additional Noninterest Income	$239,000	2,201
Total noninterest expense	$1,586,000	2,661
Salaries and employee benefits	$900,000	2,677
Premises and equipment expense	$132,000	3,091
Additional noninterest expense	$554,000	2,412
Pre-tax net operating income	$1,023,000	2,026
Securities gains (losses)	$-8,000	5,069
Applicable income taxes	$13,000	3,316
Income before extraordinary items	$1,002,000	1,867
Extraordinary gains, net	$0	5
Net income	$1,002,000	1,865
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,002,000	1,866
Net charge-offs	$154,000	721
Cash dividends	$552,000	1,255
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,009,920	1,835
2018-12-31 (YTD Data)		Rank
Total interest income	$10,815,000	2,390
Total interest expense	$1,592,000	2,255
Net interest income	$9,223,000	2,404
Provision for loan and lease losses	$945,000	932
Total noninterest income	$1,688,000	2,186
Gross Fiduciary activities income	$180,000	714
Service charges on deposit accounts	$250,000	3,009
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,258,000	1,992
Total noninterest expense	$6,387,000	2,613
Salaries and employee benefits	$3,701,000	2,582
Premises and equipment expense	$514,000	3,105
Additional noninterest expense	$2,172,000	2,456
Pre-tax net operating income	$3,579,000	2,247
Securities gains (losses)	$1,000	1,025
Applicable income taxes	$43,000	3,422
Income before extraordinary items	$3,537,000	2,071
Extraordinary gains, net	$0	6
Net income	$3,537,000	2,069
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,537,000	2,070
Net charge-offs	$162,000	1,806
Cash dividends	$2,087,000	1,420
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,536,010	2,069
2018-09-30 (YTD Data)		Rank
Total interest income	$7,961,000	2,420
Total interest expense	$1,135,000	2,253
Net interest income	$6,826,000	2,431
Provision for loan and lease losses	$635,000	943
Total noninterest income	$1,119,000	2,355
Gross Fiduciary activities income	$136,000	708
Service charges on deposit accounts	$183,000	3,068
Trading account gains and fees	NA	NA
Additional Noninterest Income	$800,000	2,190
Total noninterest expense	$4,720,000	2,647
Salaries and employee benefits	$2,747,000	2,607
Premises and equipment expense	$385,000	3,130
Additional noninterest expense	$1,588,000	2,504
Pre-tax net operating income	$2,590,000	2,342
Securities gains (losses)	$1,000	1,016
Applicable income taxes	$39,000	3,416
Income before extraordinary items	$2,552,000	2,140
Extraordinary gains, net	$0	5
Net income	$2,552,000	2,138
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,552,000	2,139
Net charge-offs	$-9,000	4,451
Cash dividends	$2,087,000	1,044
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,551,020	2,138
2018-06-30 (YTD Data)		Rank
Total interest income	$5,242,000	2,422
Total interest expense	$722,000	2,234
Net interest income	$4,520,000	2,443
Provision for loan and lease losses	$60,000	2,584
Total noninterest income	$759,000	2,339
Gross Fiduciary activities income	$95,000	710
Service charges on deposit accounts	$117,000	3,124
Trading account gains and fees	NA	NA
Additional Noninterest Income	$547,000	2,178
Total noninterest expense	$3,113,000	2,687
Salaries and employee benefits	$1,800,000	2,648
Premises and equipment expense	$262,000	3,122
Additional noninterest expense	$1,051,000	2,529
Pre-tax net operating income	$2,106,000	2,026
Securities gains (losses)	$0	961
Applicable income taxes	$27,000	3,403
Income before extraordinary items	$2,079,000	1,822
Extraordinary gains, net	$0	6
Net income	$2,079,000	1,820
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,079,000	1,821
Net charge-offs	$-5,000	4,304
Cash dividends	$1,566,000	923
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,079,000	1,814
2018-03-31 (YTD Data)		Rank
Total interest income	$2,564,000	2,456
Total interest expense	$351,000	2,204
Net interest income	$2,213,000	2,479
Provision for loan and lease losses	$30,000	2,415
Total noninterest income	$382,000	2,319
Gross Fiduciary activities income	$42,000	735
Service charges on deposit accounts	$61,000	3,080
Trading account gains and fees	NA	NA
Additional Noninterest Income	$279,000	2,108
Total noninterest expense	$1,526,000	2,758
Salaries and employee benefits	$882,000	2,705
Premises and equipment expense	$136,000	3,077
Additional noninterest expense	$508,000	2,603
Pre-tax net operating income	$1,039,000	1,988
Securities gains (losses)	$0	735
Applicable income taxes	$13,000	3,402
Income before extraordinary items	$1,026,000	1,806
Extraordinary gains, net	$0	7
Net income	$1,026,000	1,805
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,026,000	1,806
Net charge-offs	$7,000	2,089
Cash dividends	$550,000	1,109
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,026,000	1,797
2017-12-31 (YTD Data)		Rank
Total interest income	$9,893,000	2,462
Total interest expense	$1,198,000	2,241
Net interest income	$8,695,000	2,484
Provision for loan and lease losses	$0	4,227
Total noninterest income	$1,450,000	2,447
Gross Fiduciary activities income	$220,000	708
Service charges on deposit accounts	$241,000	3,190
Trading account gains and fees	NA	NA
Additional Noninterest Income	$989,000	2,309
Total noninterest expense	$5,991,000	2,765
Salaries and employee benefits	$3,467,000	2,723
Premises and equipment expense	$482,000	3,330
Additional noninterest expense	$2,042,000	2,611
Pre-tax net operating income	$4,154,000	1,990
Securities gains (losses)	$8,000	1,669
Applicable income taxes	$61,000	3,467
Income before extraordinary items	$4,101,000	1,585
Extraordinary gains, net	$0	9
Net income	$4,101,000	1,585
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,101,000	1,585
Net charge-offs	$341,000	1,380
Cash dividends	$2,230,000	1,303
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$4,093,080	1,566
2017-09-30 (YTD Data)		Rank
Total interest income	$7,367,000	2,487
Total interest expense	$867,000	2,281
Net interest income	$6,500,000	2,499
Provision for loan and lease losses	$0	4,088
Total noninterest income	$1,099,000	2,448
Gross Fiduciary activities income	$156,000	714
Service charges on deposit accounts	$182,000	3,199
Trading account gains and fees	NA	NA
Additional Noninterest Income	$761,000	2,305
Total noninterest expense	$4,408,000	2,824
Salaries and employee benefits	$2,593,000	2,747
Premises and equipment expense	$359,000	3,375
Additional noninterest expense	$1,456,000	2,718
Pre-tax net operating income	$3,191,000	1,968
Securities gains (losses)	$7,000	1,738
Applicable income taxes	$41,000	3,520
Income before extraordinary items	$3,157,000	1,661
Extraordinary gains, net	$0	9
Net income	$3,157,000	1,662
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,157,000	1,662
Net charge-offs	$136,000	1,691
Cash dividends	$2,230,000	957
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,150,070	1,645
2017-06-30 (YTD Data)		Rank
Total interest income	$4,868,000	2,488
Total interest expense	$559,000	2,290
Net interest income	$4,309,000	2,493
Provision for loan and lease losses	$0	3,871
Total noninterest income	$736,000	2,449
Gross Fiduciary activities income	$107,000	714
Service charges on deposit accounts	$119,000	3,232
Trading account gains and fees	NA	NA
Additional Noninterest Income	$510,000	2,301
Total noninterest expense	$2,947,000	2,838
Salaries and employee benefits	$1,717,000	2,778
Premises and equipment expense	$240,000	3,386
Additional noninterest expense	$990,000	2,693
Pre-tax net operating income	$2,098,000	1,960
Securities gains (losses)	$7,000	1,367
Applicable income taxes	$27,000	3,538
Income before extraordinary items	$2,078,000	1,654
Extraordinary gains, net	$0	11
Net income	$2,078,000	1,654
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,078,000	1,654
Net charge-offs	$52,000	1,968
Cash dividends	$1,710,000	872
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,071,070	1,639
2017-03-31 (YTD Data)		Rank
Total interest income	$2,387,000	2,518
Total interest expense	$270,000	2,334
Net interest income	$2,117,000	2,522
Provision for loan and lease losses	$0	3,537
Total noninterest income	$379,000	2,410
Gross Fiduciary activities income	$44,000	742
Service charges on deposit accounts	$57,000	3,310
Trading account gains and fees	NA	NA
Additional Noninterest Income	$278,000	2,196
Total noninterest expense	$1,457,000	2,886
Salaries and employee benefits	$862,000	2,799
Premises and equipment expense	$118,000	3,470
Additional noninterest expense	$477,000	2,768
Pre-tax net operating income	$1,039,000	1,911
Securities gains (losses)	$0	1,153
Applicable income taxes	$13,000	3,506
Income before extraordinary items	$1,026,000	1,641
Extraordinary gains, net	$0	8
Net income	$1,026,000	1,641
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,026,000	1,641
Net charge-offs	$3,000	2,592
Cash dividends	$657,000	998
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,026,000	1,621
2016-12-31 (YTD Data)		Rank
Total interest income	$9,389,000	2,535
Total interest expense	$1,053,000	2,325
Net interest income	$8,336,000	2,532
Provision for loan and lease losses	$0	4,332
Total noninterest income	$1,321,000	2,642
Gross Fiduciary activities income	$197,000	739
Service charges on deposit accounts	$247,000	3,286
Trading account gains and fees	$0	170
Additional Noninterest Income	$877,000	2,557
Total noninterest expense	$5,805,000	2,909
Salaries and employee benefits	$3,323,000	2,848
Premises and equipment expense	$489,000	3,422
Additional noninterest expense	$1,993,000	2,770
Pre-tax net operating income	$3,852,000	1,983
Securities gains (losses)	$8,000	2,738
Applicable income taxes	$57,000	3,558
Income before extraordinary items	$3,803,000	1,711
Extraordinary gains, net	$0	5
Net income	$3,803,000	1,710
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,803,000	1,710
Net charge-offs	$82,000	2,771
Cash dividends	$2,047,000	1,365
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$3,795,080	1,680
2016-09-30 (YTD Data)		Rank
Total interest income	$7,063,000	2,532
Total interest expense	$775,000	2,369
Net interest income	$6,288,000	2,535
Provision for loan and lease losses	$0	4,186
Total noninterest income	$1,039,000	2,590
Gross Fiduciary activities income	$146,000	736
Service charges on deposit accounts	$185,000	3,300
Trading account gains and fees	$0	169
Additional Noninterest Income	$708,000	2,469
Total noninterest expense	$4,380,000	2,895
Salaries and employee benefits	$2,495,000	2,839
Premises and equipment expense	$356,000	3,483
Additional noninterest expense	$1,529,000	2,725
Pre-tax net operating income	$2,947,000	1,990
Securities gains (losses)	$43,000	1,874
Applicable income taxes	$39,000	3,657
Income before extraordinary items	$2,951,000	1,715
Extraordinary gains, net	$0	5
Net income	$2,951,000	1,715
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,951,000	1,715
Net charge-offs	$66,000	2,394
Cash dividends	$2,047,000	1,004
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,908,430	1,679
2016-06-30 (YTD Data)		Rank
Total interest income	$4,705,000	2,527
Total interest expense	$503,000	2,419
Net interest income	$4,202,000	2,532
Provision for loan and lease losses	$0	4,017
Total noninterest income	$683,000	2,574
Gross Fiduciary activities income	$100,000	737
Service charges on deposit accounts	$121,000	3,326
Trading account gains and fees	$0	157
Additional Noninterest Income	$462,000	2,476
Total noninterest expense	$2,968,000	2,882
Salaries and employee benefits	$1,691,000	2,835
Premises and equipment expense	$245,000	3,459
Additional noninterest expense	$1,032,000	2,712
Pre-tax net operating income	$1,917,000	2,007
Securities gains (losses)	$43,000	1,534
Applicable income taxes	$26,000	3,672
Income before extraordinary items	$1,934,000	1,717
Extraordinary gains, net	$0	16
Net income	$1,934,000	1,718
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,934,000	1,718
Net charge-offs	$48,000	2,170
Cash dividends	$1,539,000	931
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,891,430	1,705
2016-03-31 (YTD Data)		Rank
Total interest income	$2,338,000	2,551
Total interest expense	$246,000	2,455
Net interest income	$2,092,000	2,540
Provision for loan and lease losses	$0	3,656
Total noninterest income	$338,000	2,574
Gross Fiduciary activities income	$43,000	760
Service charges on deposit accounts	$52,000	3,540
Trading account gains and fees	$0	142
Additional Noninterest Income	$243,000	2,375
Total noninterest expense	$1,488,000	2,888
Salaries and employee benefits	$847,000	2,836
Premises and equipment expense	$130,000	3,379
Additional noninterest expense	$511,000	2,730
Pre-tax net operating income	$942,000	2,012
Securities gains (losses)	$39,000	933
Applicable income taxes	$13,000	3,656
Income before extraordinary items	$968,000	1,671
Extraordinary gains, net	$0	12
Net income	$968,000	1,672
Minority interest net income	$0	62
Net income of bank and minority interests.	$968,000	1,672
Net charge-offs	$12,000	2,244
Cash dividends	$594,000	1,095
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$929,390	1,695
2015-12-31 (YTD Data)		Rank
Total interest income	$9,383,000	2,500
Total interest expense	$986,000	2,443
Net interest income	$8,397,000	2,484
Provision for loan and lease losses	$90,000	3,155
Total noninterest income	$1,175,000	2,821
Gross Fiduciary activities income	$239,000	735
Service charges on deposit accounts	$211,000	3,630
Trading account gains and fees	$0	159
Additional Noninterest Income	$725,000	2,785
Total noninterest expense	$5,787,000	2,929
Salaries and employee benefits	$3,341,000	2,829
Premises and equipment expense	$555,000	3,266
Additional noninterest expense	$1,891,000	2,900
Pre-tax net operating income	$3,695,000	1,993
Securities gains (losses)	$70,000	1,397
Applicable income taxes	$55,000	3,594
Income before extraordinary items	$3,710,000	1,710
Extraordinary gains, net	$0	23
Net income	$3,710,000	1,710
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,710,000	1,712
Net charge-offs	$169,000	2,150
Cash dividends	$1,812,000	1,446
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,640,700	1,696
2015-09-30 (YTD Data)		Rank
Total interest income	$7,047,000	2,514
Total interest expense	$747,000	2,451
Net interest income	$6,300,000	2,496
Provision for loan and lease losses	$90,000	2,744
Total noninterest income	$956,000	2,726
Gross Fiduciary activities income	$185,000	724
Service charges on deposit accounts	$155,000	3,696
Trading account gains and fees	$0	153
Additional Noninterest Income	$616,000	2,636
Total noninterest expense	$4,372,000	2,939
Salaries and employee benefits	$2,617,000	2,751
Premises and equipment expense	$423,000	3,276
Additional noninterest expense	$1,332,000	3,053
Pre-tax net operating income	$2,794,000	2,019
Securities gains (losses)	$70,000	1,251
Applicable income taxes	$38,000	3,744
Income before extraordinary items	$2,826,000	1,715
Extraordinary gains, net	$0	21
Net income	$2,826,000	1,718
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,826,000	1,718
Net charge-offs	$76,000	2,410
Cash dividends	$1,812,000	1,069
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,756,700	1,715
2015-06-30 (YTD Data)		Rank
Total interest income	$4,715,000	2,506
Total interest expense	$499,000	2,468
Net interest income	$4,216,000	2,482
Provision for loan and lease losses	$60,000	2,661
Total noninterest income	$593,000	2,835
Gross Fiduciary activities income	$113,000	748
Service charges on deposit accounts	$99,000	3,733
Trading account gains and fees	$0	157
Additional Noninterest Income	$381,000	2,738
Total noninterest expense	$2,888,000	2,970
Salaries and employee benefits	$1,744,000	2,771
Premises and equipment expense	$257,000	3,480
Additional noninterest expense	$887,000	3,079
Pre-tax net operating income	$1,861,000	1,997
Securities gains (losses)	$15,000	1,851
Applicable income taxes	$25,000	3,777
Income before extraordinary items	$1,851,000	1,722
Extraordinary gains, net	$0	22
Net income	$1,851,000	1,727
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,851,000	1,726
Net charge-offs	$46,000	2,379
Cash dividends	$1,329,000	980
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,836,150	1,691
2015-03-31 (YTD Data)		Rank
Total interest income	$2,353,000	2,518
Total interest expense	$252,000	2,467
Net interest income	$2,101,000	2,484
Provision for loan and lease losses	$30,000	2,461
Total noninterest income	$264,000	2,953
Gross Fiduciary activities income	$56,000	760
Service charges on deposit accounts	$47,000	3,792
Trading account gains and fees	$0	152
Additional Noninterest Income	$161,000	2,922
Total noninterest expense	$1,443,000	2,978
Salaries and employee benefits	$836,000	2,869
Premises and equipment expense	$128,000	3,518
Additional noninterest expense	$479,000	2,878
Pre-tax net operating income	$892,000	2,036
Securities gains (losses)	$0	2,027
Applicable income taxes	$12,000	3,754
Income before extraordinary items	$880,000	1,781
Extraordinary gains, net	$0	13
Net income	$880,000	1,783
Minority interest net income	$0	64
Net income of bank and minority interests.	$880,000	1,783
Net charge-offs	$27,000	1,951
Cash dividends	$459,000	1,194
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$880,000	1,716
2014-12-31 (YTD Data)		Rank
Total interest income	$9,275,000	2,573
Total interest expense	$1,160,000	2,320
Net interest income	$8,115,000	2,583
Provision for loan and lease losses	$120,000	2,961
Total noninterest income	$1,152,000	2,889
Gross Fiduciary activities income	$236,000	744
Service charges on deposit accounts	$219,000	3,773
Trading account gains and fees	$0	180
Additional Noninterest Income	$697,000	2,828
Total noninterest expense	$5,604,000	3,072
Salaries and employee benefits	$3,318,000	2,873
Premises and equipment expense	$517,000	3,553
Additional noninterest expense	$1,769,000	3,156
Pre-tax net operating income	$3,543,000	2,009
Securities gains (losses)	$32,000	2,034
Applicable income taxes	$50,000	3,711
Income before extraordinary items	$3,525,000	1,755
Extraordinary gains, net	$0	17
Net income	$3,525,000	1,755
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,525,000	1,754
Net charge-offs	$288,000	2,068
Cash dividends	$1,442,000	1,617
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,493,320	1,739
2014-09-30 (YTD Data)		Rank
Total interest income	$6,975,000	2,581
Total interest expense	$899,000	2,300
Net interest income	$6,076,000	2,607
Provision for loan and lease losses	$90,000	2,885
Total noninterest income	$876,000	2,897
Gross Fiduciary activities income	$183,000	738
Service charges on deposit accounts	$167,000	3,790
Trading account gains and fees	$0	174
Additional Noninterest Income	$526,000	2,838
Total noninterest expense	$4,103,000	3,141
Salaries and employee benefits	$2,465,000	2,900
Premises and equipment expense	$364,000	3,757
Additional noninterest expense	$1,274,000	3,257
Pre-tax net operating income	$2,759,000	1,985
Securities gains (losses)	$31,000	1,754
Applicable income taxes	$35,000	3,801
Income before extraordinary items	$2,755,000	1,701
Extraordinary gains, net	$0	15
Net income	$2,755,000	1,702
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,755,000	1,701
Net charge-offs	$256,000	1,729
Cash dividends	$1,442,000	1,191
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,724,310	1,685
2014-06-30 (YTD Data)		Rank
Total interest income	$4,641,000	2,588
Total interest expense	$622,000	2,255
Net interest income	$4,019,000	2,617
Provision for loan and lease losses	$60,000	2,755
Total noninterest income	$570,000	2,902
Gross Fiduciary activities income	$105,000	766
Service charges on deposit accounts	$115,000	3,703
Trading account gains and fees	$0	172
Additional Noninterest Income	$350,000	2,831
Total noninterest expense	$2,710,000	3,165
Salaries and employee benefits	$1,624,000	2,950
Premises and equipment expense	$249,000	3,725
Additional noninterest expense	$837,000	3,310
Pre-tax net operating income	$1,819,000	1,960
Securities gains (losses)	$31,000	1,431
Applicable income taxes	$23,000	3,790
Income before extraordinary items	$1,827,000	1,655
Extraordinary gains, net	$0	20
Net income	$1,827,000	1,658
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,827,000	1,657
Net charge-offs	$114,000	2,061
Cash dividends	$1,033,000	1,126
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,796,310	1,659
2014-03-31 (YTD Data)		Rank
Total interest income	$2,324,000	2,573
Total interest expense	$321,000	2,229
Net interest income	$2,003,000	2,625
Provision for loan and lease losses	$30,000	2,577
Total noninterest income	$264,000	2,980
Gross Fiduciary activities income	$45,000	796
Service charges on deposit accounts	$55,000	3,769
Trading account gains and fees	$0	147
Additional Noninterest Income	$164,000	2,839
Total noninterest expense	$1,355,000	3,189
Salaries and employee benefits	$798,000	3,003
Premises and equipment expense	$132,000	3,630
Additional noninterest expense	$425,000	3,272
Pre-tax net operating income	$882,000	1,945
Securities gains (losses)	$31,000	807
Applicable income taxes	$11,000	3,783
Income before extraordinary items	$902,000	1,624
Extraordinary gains, net	$0	16
Net income	$902,000	1,627
Minority interest net income	$0	66
Net income of bank and minority interests.	$902,000	1,627
Net charge-offs	$86,000	1,464
Cash dividends	$207,000	1,726
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$871,310	1,646
2013-12-31 (YTD Data)		Rank
Total interest income	$8,795,000	2,718
Total interest expense	$1,449,000	2,228
Net interest income	$7,346,000	2,813
Provision for loan and lease losses	$180,000	3,069
Total noninterest income	$1,175,000	2,936
Gross Fiduciary activities income	$213,000	771
Service charges on deposit accounts	$231,000	3,853
Trading account gains and fees	$0	184
Additional Noninterest Income	$731,000	2,812
Total noninterest expense	$5,198,000	3,310
Salaries and employee benefits	$3,114,000	3,021
Premises and equipment expense	$478,000	3,827
Additional noninterest expense	$1,606,000	3,476
Pre-tax net operating income	$3,143,000	2,097
Securities gains (losses)	$33,000	2,070
Applicable income taxes	$43,000	3,825
Income before extraordinary items	$3,133,000	1,832
Extraordinary gains, net	$0	29
Net income	$3,133,000	1,834
Minority interest net income	$0	90
Net income of bank and minority interests.	$3,133,000	1,834
Net charge-offs	$130,000	3,477
Cash dividends	$1,692,000	1,366
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$3,100,330	1,819
2013-09-30 (YTD Data)		Rank
Total interest income	$6,508,000	2,784
Total interest expense	$1,110,000	2,244
Net interest income	$5,398,000	2,860
Provision for loan and lease losses	$180,000	2,702
Total noninterest income	$947,000	2,898
Gross Fiduciary activities income	$166,000	753
Service charges on deposit accounts	$177,000	3,844
Trading account gains and fees	$0	180
Additional Noninterest Income	$604,000	2,728
Total noninterest expense	$3,854,000	3,344
Salaries and employee benefits	$2,314,000	3,076
Premises and equipment expense	$331,000	4,059
Additional noninterest expense	$1,209,000	3,473
Pre-tax net operating income	$2,311,000	2,194
Securities gains (losses)	$12,000	2,447
Applicable income taxes	$26,000	4,006
Income before extraordinary items	$2,297,000	1,904
Extraordinary gains, net	$0	25
Net income	$2,297,000	1,911
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,297,000	1,909
Net charge-offs	$42,000	3,991
Cash dividends	$1,692,000	1,011
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,285,120	1,858
2013-06-30 (YTD Data)		Rank
Total interest income	$4,341,000	2,771
Total interest expense	$752,000	2,265
Net interest income	$3,589,000	2,861
Provision for loan and lease losses	$180,000	2,226
Total noninterest income	$668,000	2,844
Gross Fiduciary activities income	$118,000	748
Service charges on deposit accounts	$118,000	3,809
Trading account gains and fees	$0	157
Additional Noninterest Income	$432,000	2,687
Total noninterest expense	$2,511,000	3,409
Salaries and employee benefits	$1,537,000	3,094
Premises and equipment expense	$224,000	4,049
Additional noninterest expense	$750,000	3,647
Pre-tax net operating income	$1,566,000	2,125
Securities gains (losses)	$8,000	2,354
Applicable income taxes	$17,000	4,005
Income before extraordinary items	$1,557,000	1,865
Extraordinary gains, net	$0	22
Net income	$1,557,000	1,870
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,557,000	1,871
Net charge-offs	$33,000	3,680
Cash dividends	$1,382,000	851
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,549,080	1,805
2013-03-31 (YTD Data)		Rank
Total interest income	$2,198,000	2,754
Total interest expense	$383,000	2,291
Net interest income	$1,815,000	2,837
Provision for loan and lease losses	$120,000	1,891
Total noninterest income	$343,000	2,806
Gross Fiduciary activities income	$69,000	727
Service charges on deposit accounts	$59,000	3,789
Trading account gains and fees	$0	148
Additional Noninterest Income	$215,000	2,676
Total noninterest expense	$1,236,000	3,485
Salaries and employee benefits	$760,000	3,149
Premises and equipment expense	$109,000	4,125
Additional noninterest expense	$367,000	3,729
Pre-tax net operating income	$802,000	2,040
Securities gains (losses)	$1,000	1,864
Applicable income taxes	$10,000	3,924
Income before extraordinary items	$793,000	1,787
Extraordinary gains, net	$0	10
Net income	$793,000	1,788
Minority interest net income	$0	76
Net income of bank and minority interests.	$793,000	1,789
Net charge-offs	$-4,000	5,794
Cash dividends	$598,000	830
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$792,010	1,726
2012-12-31 (YTD Data)		Rank
Total interest income	$9,203,000	2,773
Total interest expense	$1,821,000	2,315
Net interest income	$7,382,000	2,852
Provision for loan and lease losses	$675,000	2,309
Total noninterest income	$1,588,000	2,520
Gross Fiduciary activities income	$158,000	826
Service charges on deposit accounts	$238,000	3,953
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,192,000	2,151
Total noninterest expense	$5,046,000	3,441
Salaries and employee benefits	$3,035,000	3,107
Premises and equipment expense	$460,000	4,013
Additional noninterest expense	$1,551,000	3,707
Pre-tax net operating income	$3,249,000	1,951
Securities gains (losses)	$32,000	2,989
Applicable income taxes	$54,000	3,868
Income before extraordinary items	$3,227,000	1,739
Extraordinary gains, net	$0	29
Net income	$3,227,000	1,740
Minority interest net income	$0	93
Net income of bank and minority interests.	$3,227,000	1,740
Net charge-offs	$507,000	2,633
Cash dividends	$1,412,000	1,566
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,195,640	1,658
2012-09-30 (YTD Data)		Rank
Total interest income	$6,931,000	2,822
Total interest expense	$1,410,000	2,339
Net interest income	$5,521,000	2,900
Provision for loan and lease losses	$525,000	2,211
Total noninterest income	$1,218,000	2,487
Gross Fiduciary activities income	$119,000	815
Service charges on deposit accounts	$173,000	4,057
Trading account gains and fees	$0	157
Additional Noninterest Income	$926,000	2,089
Total noninterest expense	$3,754,000	3,489
Salaries and employee benefits	$2,256,000	3,140
Premises and equipment expense	$345,000	4,075
Additional noninterest expense	$1,153,000	3,753
Pre-tax net operating income	$2,460,000	2,008
Securities gains (losses)	$34,000	2,651
Applicable income taxes	$35,000	3,958
Income before extraordinary items	$2,459,000	1,780
Extraordinary gains, net	$0	20
Net income	$2,459,000	1,779
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,459,000	1,781
Net charge-offs	$494,000	2,204
Cash dividends	$1,336,000	1,084
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,425,340	1,700
2012-06-30 (YTD Data)		Rank
Total interest income	$4,606,000	2,855
Total interest expense	$968,000	2,351
Net interest income	$3,638,000	2,936
Provision for loan and lease losses	$375,000	2,150
Total noninterest income	$905,000	2,311
Gross Fiduciary activities income	$83,000	820
Service charges on deposit accounts	$113,000	4,081
Trading account gains and fees	$0	153
Additional Noninterest Income	$709,000	1,900
Total noninterest expense	$2,525,000	3,477
Salaries and employee benefits	$1,493,000	3,166
Premises and equipment expense	$234,000	4,039
Additional noninterest expense	$798,000	3,671
Pre-tax net operating income	$1,643,000	1,987
Securities gains (losses)	$18,000	2,529
Applicable income taxes	$24,000	3,925
Income before extraordinary items	$1,637,000	1,756
Extraordinary gains, net	$0	19
Net income	$1,637,000	1,754
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,637,000	1,756
Net charge-offs	$454,000	1,882
Cash dividends	$908,000	1,062
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,619,180	1,691
2012-03-31 (YTD Data)		Rank
Total interest income	$2,305,000	2,885
Total interest expense	$509,000	2,329
Net interest income	$1,796,000	2,989
Provision for loan and lease losses	$225,000	1,839
Total noninterest income	$295,000	2,972
Gross Fiduciary activities income	$36,000	847
Service charges on deposit accounts	$52,000	4,216
Trading account gains and fees	$0	148
Additional Noninterest Income	$207,000	2,601
Total noninterest expense	$1,235,000	3,560
Salaries and employee benefits	$703,000	3,336
Premises and equipment expense	$122,000	3,950
Additional noninterest expense	$410,000	3,581
Pre-tax net operating income	$631,000	2,444
Securities gains (losses)	$0	2,210
Applicable income taxes	$11,000	3,958
Income before extraordinary items	$620,000	2,195
Extraordinary gains, net	$0	19
Net income	$620,000	2,197
Minority interest net income	$0	78
Net income of bank and minority interests.	$620,000	2,198
Net charge-offs	$448,000	1,171
Cash dividends	$290,000	1,317
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$620,000	2,094
2011-12-31 (YTD Data)		Rank
Total interest income	$9,729,000	2,815
Total interest expense	$2,424,000	2,379
Net interest income	$7,305,000	2,957
Provision for loan and lease losses	$600,000	3,157
Total noninterest income	$1,015,000	3,090
Gross Fiduciary activities income	$139,000	800
Service charges on deposit accounts	$237,000	4,068
Trading account gains and fees	$0	146
Additional Noninterest Income	$639,000	2,764
Total noninterest expense	$4,961,000	3,557
Salaries and employee benefits	$2,881,000	3,217
Premises and equipment expense	$478,000	4,157
Additional noninterest expense	$1,602,000	3,688
Pre-tax net operating income	$2,759,000	1,977
Securities gains (losses)	$46,000	2,636
Applicable income taxes	$35,000	3,902
Income before extraordinary items	$2,770,000	1,730
Extraordinary gains, net	$0	29
Net income	$2,770,000	1,731
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,770,000	1,731
Net charge-offs	$404,000	3,430
Cash dividends	$1,028,000	1,584
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,724,460	1,673
2011-09-30 (YTD Data)		Rank
Total interest income	$7,348,000	2,837
Total interest expense	$1,863,000	2,422
Net interest income	$5,485,000	2,963
Provision for loan and lease losses	$450,000	3,020
Total noninterest income	$720,000	3,200
Gross Fiduciary activities income	$108,000	786
Service charges on deposit accounts	$176,000	4,108
Trading account gains and fees	$0	145
Additional Noninterest Income	$436,000	2,900
Total noninterest expense	$3,708,000	3,570
Salaries and employee benefits	$2,140,000	3,243
Premises and equipment expense	$362,000	4,170
Additional noninterest expense	$1,206,000	3,676
Pre-tax net operating income	$2,047,000	2,049
Securities gains (losses)	$12,000	2,990
Applicable income taxes	$26,000	3,940
Income before extraordinary items	$2,033,000	1,813
Extraordinary gains, net	$0	21
Net income	$2,033,000	1,813
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,033,000	1,813
Net charge-offs	$193,000	3,750
Cash dividends	$953,000	1,212
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,021,120	1,740
2011-06-30 (YTD Data)		Rank
Total interest income	$4,896,000	2,867
Total interest expense	$1,271,000	2,447
Net interest income	$3,625,000	2,986
Provision for loan and lease losses	$300,000	2,953
Total noninterest income	$435,000	3,391
Gross Fiduciary activities income	$51,000	846
Service charges on deposit accounts	$112,000	4,168
Trading account gains and fees	$0	153
Additional Noninterest Income	$272,000	3,025
Total noninterest expense	$2,476,000	3,600
Salaries and employee benefits	$1,414,000	3,288
Premises and equipment expense	$243,000	4,192
Additional noninterest expense	$819,000	3,684
Pre-tax net operating income	$1,284,000	2,121
Securities gains (losses)	$4,000	2,586
Applicable income taxes	$16,000	3,930
Income before extraordinary items	$1,272,000	1,860
Extraordinary gains, net	$0	15
Net income	$1,272,000	1,860
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,272,000	1,860
Net charge-offs	$189,000	3,174
Cash dividends	$662,000	1,153
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,268,040	1,796
2011-03-31 (YTD Data)		Rank
Total interest income	$2,408,000	2,917
Total interest expense	$646,000	2,484
Net interest income	$1,762,000	3,061
Provision for loan and lease losses	$150,000	2,750
Total noninterest income	$212,000	3,468
Gross Fiduciary activities income	$19,000	886
Service charges on deposit accounts	$50,000	4,342
Trading account gains and fees	$0	158
Additional Noninterest Income	$143,000	2,988
Total noninterest expense	$1,269,000	3,537
Salaries and employee benefits	$696,000	3,343
Premises and equipment expense	$125,000	4,165
Additional noninterest expense	$448,000	3,463
Pre-tax net operating income	$555,000	2,376
Securities gains (losses)	$0	1,772
Applicable income taxes	$7,000	3,925
Income before extraordinary items	$548,000	2,085
Extraordinary gains, net	$0	9
Net income	$548,000	2,084
Minority interest net income	$0	86
Net income of bank and minority interests.	$548,000	2,085
Net charge-offs	$121,000	2,553
Cash dividends	$184,000	1,483
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$548,000	2,046
2010-12-31 (YTD Data)		Rank
Total interest income	$9,894,000	2,980
Total interest expense	$3,037,000	2,583
Net interest income	$6,857,000	3,119
Provision for loan and lease losses	$810,000	3,386
Total noninterest income	$1,035,000	3,172
Gross Fiduciary activities income	$99,000	875
Service charges on deposit accounts	$231,000	4,153
Trading account gains and fees	$0	175
Additional Noninterest Income	$705,000	2,678
Total noninterest expense	$4,755,000	3,755
Salaries and employee benefits	$2,756,000	3,333
Premises and equipment expense	$541,000	3,990
Additional noninterest expense	$1,458,000	4,079
Pre-tax net operating income	$2,327,000	1,995
Securities gains (losses)	$41,000	2,778
Applicable income taxes	$33,000	3,817
Income before extraordinary items	$2,335,000	1,764
Extraordinary gains, net	$0	29
Net income	$2,335,000	1,765
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,335,000	1,766
Net charge-offs	$653,000	3,278
Cash dividends	$1,051,000	1,414
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,294,410	1,720
2010-09-30 (YTD Data)		Rank
Total interest income	$7,417,000	3,046
Total interest expense	$2,347,000	2,605
Net interest income	$5,070,000	3,201
Provision for loan and lease losses	$530,000	3,453
Total noninterest income	$756,000	3,255
Gross Fiduciary activities income	$81,000	848
Service charges on deposit accounts	$172,000	4,237
Trading account gains and fees	$0	165
Additional Noninterest Income	$503,000	2,748
Total noninterest expense	$3,479,000	3,819
Salaries and employee benefits	$2,033,000	3,397
Premises and equipment expense	$391,000	4,146
Additional noninterest expense	$1,055,000	4,157
Pre-tax net operating income	$1,817,000	2,046
Securities gains (losses)	$41,000	2,543
Applicable income taxes	$23,000	3,935
Income before extraordinary items	$1,835,000	1,795
Extraordinary gains, net	$0	23
Net income	$1,835,000	1,797
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,835,000	1,798
Net charge-offs	$326,000	3,619
Cash dividends	$1,046,000	1,008
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,794,410	1,745
2010-06-30 (YTD Data)		Rank
Total interest income	$4,900,000	3,094
Total interest expense	$1,604,000	2,648
Net interest income	$3,296,000	3,269
Provision for loan and lease losses	$300,000	3,591
Total noninterest income	$463,000	3,362
Gross Fiduciary activities income	$65,000	826
Service charges on deposit accounts	$112,000	4,281
Trading account gains and fees	$0	152
Additional Noninterest Income	$286,000	2,915
Total noninterest expense	$2,295,000	3,846
Salaries and employee benefits	$1,324,000	3,480
Premises and equipment expense	$263,000	4,150
Additional noninterest expense	$708,000	4,124
Pre-tax net operating income	$1,164,000	2,097
Securities gains (losses)	$40,000	2,020
Applicable income taxes	$15,000	3,923
Income before extraordinary items	$1,189,000	1,827
Extraordinary gains, net	$0	19
Net income	$1,189,000	1,826
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,189,000	1,827
Net charge-offs	$258,000	3,239
Cash dividends	$742,000	954
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,149,400	1,788
2010-03-31 (YTD Data)		Rank
Total interest income	$2,425,000	3,175
Total interest expense	$813,000	2,729
Net interest income	$1,612,000	3,359
Provision for loan and lease losses	$150,000	3,336
Total noninterest income	$207,000	3,577
Gross Fiduciary activities income	$18,000	923
Service charges on deposit accounts	$51,000	4,444
Trading account gains and fees	$0	175
Additional Noninterest Income	$138,000	2,988
Total noninterest expense	$1,141,000	3,899
Salaries and employee benefits	$644,000	3,617
Premises and equipment expense	$135,000	4,161
Additional noninterest expense	$362,000	4,056
Pre-tax net operating income	$528,000	2,311
Securities gains (losses)	$20,000	1,521
Applicable income taxes	$7,000	3,969
Income before extraordinary items	$541,000	2,000
Extraordinary gains, net	$0	16
Net income	$541,000	1,998
Minority interest net income	$0	91
Net income of bank and minority interests.	$541,000	2,000
Net charge-offs	$170,000	2,609
Cash dividends	$340,000	986
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$521,200	1,989
2009-12-31 (YTD Data)		Rank
Total interest income	$9,416,000	3,379
Total interest expense	$3,728,000	2,899
Net interest income	$5,688,000	3,611
Provision for loan and lease losses	$1,010,000	3,485
Total noninterest income	$919,000	3,506
Gross Fiduciary activities income	$78,000	899
Service charges on deposit accounts	$267,000	4,105
Trading account gains and fees	$0	211
Additional Noninterest Income	$574,000	2,965
Total noninterest expense	$4,463,000	4,035
Salaries and employee benefits	$2,383,000	3,837
Premises and equipment expense	$504,000	4,348
Additional noninterest expense	$1,576,000	3,943
Pre-tax net operating income	$1,134,000	2,796
Securities gains (losses)	$74,000	2,367
Applicable income taxes	$15,000	3,769
Income before extraordinary items	$1,193,000	2,488
Extraordinary gains, net	$0	34
Net income	$1,193,000	2,486
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,193,000	2,487
Net charge-offs	$885,000	3,018
Cash dividends	$336,000	3,082
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,119,740	2,539
2009-09-30 (YTD Data)		Rank
Total interest income	$7,089,000	3,418
Total interest expense	$2,851,000	2,973
Net interest income	$4,238,000	3,638
Provision for loan and lease losses	$745,000	3,203
Total noninterest income	$712,000	3,503
Gross Fiduciary activities income	$60,000	886
Service charges on deposit accounts	$200,000	4,125
Trading account gains and fees	$0	212
Additional Noninterest Income	$452,000	2,989
Total noninterest expense	$3,383,000	3,996
Salaries and employee benefits	$1,783,000	3,881
Premises and equipment expense	$367,000	4,490
Additional noninterest expense	$1,233,000	3,811
Pre-tax net operating income	$822,000	3,073
Securities gains (losses)	$70,000	2,076
Applicable income taxes	$9,000	4,072
Income before extraordinary items	$883,000	2,687
Extraordinary gains, net	$0	27
Net income	$883,000	2,684
Minority interest net income	$0	118
Net income of bank and minority interests.	$883,000	2,687
Net charge-offs	$731,000	2,586
Cash dividends	$336,000	2,500
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$813,700	2,785
2009-06-30 (YTD Data)		Rank
Total interest income	$4,692,000	3,471
Total interest expense	$1,916,000	3,068
Net interest income	$2,776,000	3,675
Provision for loan and lease losses	$645,000	2,606
Total noninterest income	$536,000	3,247
Gross Fiduciary activities income	$37,000	913
Service charges on deposit accounts	$134,000	4,095
Trading account gains and fees	$0	193
Additional Noninterest Income	$365,000	2,684
Total noninterest expense	$2,228,000	4,056
Salaries and employee benefits	$1,161,000	3,974
Premises and equipment expense	$246,000	4,501
Additional noninterest expense	$821,000	3,805
Pre-tax net operating income	$439,000	3,525
Securities gains (losses)	$19,000	2,345
Applicable income taxes	$4,000	4,294
Income before extraordinary items	$454,000	3,273
Extraordinary gains, net	$0	21
Net income	$454,000	3,268
Minority interest net income	$0	112
Net income of bank and minority interests.	$454,000	3,271
Net charge-offs	$718,000	1,957
Cash dividends	$186,000	2,765
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$435,190	3,230
2009-03-31 (YTD Data)		Rank
Total interest income	$2,331,000	3,538
Total interest expense	$967,000	3,133
Net interest income	$1,364,000	3,715
Provision for loan and lease losses	$490,000	1,792
Total noninterest income	$218,000	3,646
Gross Fiduciary activities income	$16,000	940
Service charges on deposit accounts	$61,000	4,216
Trading account gains and fees	$0	171
Additional Noninterest Income	$141,000	3,070
Total noninterest expense	$1,123,000	3,966
Salaries and employee benefits	$588,000	3,973
Premises and equipment expense	$127,000	4,475
Additional noninterest expense	$408,000	3,521
Pre-tax net operating income	$-31,000	6,422
Securities gains (losses)	$11,000	1,882
Applicable income taxes	$2,000	4,551
Income before extraordinary items	$-22,000	6,523
Extraordinary gains, net	$0	15
Net income	$-22,000	6,524
Minority interest net income	$0	102
Net income of bank and minority interests.	$-22,000	6,524
Net charge-offs	$539,000	1,316
Cash dividends	$54,000	2,617
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-33,000	6,465
2008-12-31 (YTD Data)		Rank
Total interest income	$9,789,000	3,596
Total interest expense	$4,340,000	3,304
Net interest income	$5,449,000	3,723
Provision for loan and lease losses	$540,000	3,686
Total noninterest income	$864,000	3,706
Gross Fiduciary activities income	$85,000	909
Service charges on deposit accounts	$256,000	4,310
Trading account gains and fees	$0	154
Additional Noninterest Income	$523,000	3,103
Total noninterest expense	$3,824,000	4,384
Salaries and employee benefits	$2,281,000	4,043
Premises and equipment expense	$361,000	5,357
Additional noninterest expense	$1,182,000	4,334
Pre-tax net operating income	$1,949,000	2,501
Securities gains (losses)	$151,000	861
Applicable income taxes	$26,000	4,165
Income before extraordinary items	$2,074,000	1,919
Extraordinary gains, net	$0	39
Net income	$2,074,000	1,921
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$461,000	2,913
Cash dividends	$753,000	2,735
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,924,510	2,175
2008-09-30 (YTD Data)		Rank
Total interest income	$7,440,000	3,616
Total interest expense	$3,372,000	3,321
Net interest income	$4,068,000	3,756
Provision for loan and lease losses	$180,000	4,348
Total noninterest income	$620,000	3,899
Gross Fiduciary activities income	$45,000	949
Service charges on deposit accounts	$190,000	4,354
Trading account gains and fees	$0	148
Additional Noninterest Income	$385,000	3,251
Total noninterest expense	$2,823,000	4,417
Salaries and employee benefits	$1,727,000	4,037
Premises and equipment expense	$265,000	5,438
Additional noninterest expense	$831,000	4,452
Pre-tax net operating income	$1,685,000	2,604
Securities gains (losses)	$72,000	1,173
Applicable income taxes	$20,000	4,603
Income before extraordinary items	$1,737,000	2,029
Extraordinary gains, net	$0	31
Net income	$1,737,000	2,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$221,000	2,923
Cash dividends	$753,000	2,172
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,665,720	2,222
2008-06-30 (YTD Data)		Rank
Total interest income	$5,003,000	3,647
Total interest expense	$2,329,000	3,364
Net interest income	$2,674,000	3,793
Provision for loan and lease losses	$120,000	3,966
Total noninterest income	$408,000	3,973
Gross Fiduciary activities income	$28,000	978
Service charges on deposit accounts	$118,000	4,516
Trading account gains and fees	$0	149
Additional Noninterest Income	$262,000	3,256
Total noninterest expense	$1,854,000	4,482
Salaries and employee benefits	$1,145,000	4,095
Premises and equipment expense	$177,000	5,467
Additional noninterest expense	$532,000	4,558
Pre-tax net operating income	$1,108,000	2,744
Securities gains (losses)	$72,000	1,184
Applicable income taxes	$13,000	4,890
Income before extraordinary items	$1,167,000	2,258
Extraordinary gains, net	$0	21
Net income	$1,167,000	2,258
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$149,000	2,560
Cash dividends	$536,000	2,185
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,095,720	2,339
2008-03-31 (YTD Data)		Rank
Total interest income	$2,543,000	3,681
Total interest expense	$1,237,000	3,384
Net interest income	$1,306,000	3,849
Provision for loan and lease losses	$60,000	3,470
Total noninterest income	$220,000	3,798
Gross Fiduciary activities income	$13,000	995
Service charges on deposit accounts	$55,000	4,609
Trading account gains and fees	$0	158
Additional Noninterest Income	$152,000	3,010
Total noninterest expense	$922,000	4,500
Salaries and employee benefits	$572,000	4,116
Premises and equipment expense	$91,000	5,433
Additional noninterest expense	$259,000	4,575
Pre-tax net operating income	$544,000	2,903
Securities gains (losses)	$26,000	1,452
Applicable income taxes	$7,000	4,983
Income before extraordinary items	$563,000	2,442
Extraordinary gains, net	$0	15
Net income	$563,000	2,444
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	2,549
Cash dividends	$105,000	2,861
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$537,260	2,462
2007-12-31 (YTD Data)		Rank
Total interest income	$10,251,000	3,718
Total interest expense	$5,219,000	3,357
Net interest income	$5,032,000	3,984
Provision for loan and lease losses	$467,000	2,444
Total noninterest income	$725,000	4,212
Gross Fiduciary activities income	$54,000	999
Service charges on deposit accounts	$251,000	4,449
Trading account gains and fees	$0	178
Additional Noninterest Income	$420,000	3,645
Total noninterest expense	$3,408,000	4,615
Salaries and employee benefits	$2,099,000	4,239
Premises and equipment expense	$350,000	5,405
Additional noninterest expense	$959,000	4,780
Pre-tax net operating income	$1,882,000	3,438
Securities gains (losses)	$12,000	1,280
Applicable income taxes	$-20,000	7,846
Income before extraordinary items	$1,914,000	2,911
Extraordinary gains, net	$0	39
Net income	$1,914,000	2,910
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$360,000	2,054
Cash dividends	$1,406,000	2,093
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,902,000	2,918
2007-09-30 (YTD Data)		Rank
Total interest income	$7,653,000	3,737
Total interest expense	$3,882,000	3,379
Net interest income	$3,771,000	3,990
Provision for loan and lease losses	$407,000	1,829
Total noninterest income	$542,000	4,228
Gross Fiduciary activities income	$39,000	1,001
Service charges on deposit accounts	$191,000	4,435
Trading account gains and fees	$0	184
Additional Noninterest Income	$312,000	3,663
Total noninterest expense	$2,510,000	4,649
Salaries and employee benefits	$1,542,000	4,287
Premises and equipment expense	$264,000	5,379
Additional noninterest expense	$704,000	4,783
Pre-tax net operating income	$1,396,000	3,628
Securities gains (losses)	$0	1,655
Applicable income taxes	$13,000	5,656
Income before extraordinary items	$1,383,000	3,141
Extraordinary gains, net	$0	33
Net income	$1,383,000	3,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	5,079
Cash dividends	$1,406,000	1,583
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,383,000	3,126
2007-06-30 (YTD Data)		Rank
Total interest income	$5,031,000	3,772
Total interest expense	$2,536,000	3,418
Net interest income	$2,495,000	4,026
Provision for loan and lease losses	$347,000	1,378
Total noninterest income	$382,000	4,135
Gross Fiduciary activities income	$26,000	1,011
Service charges on deposit accounts	$122,000	4,550
Trading account gains and fees	$0	168
Additional Noninterest Income	$234,000	3,481
Total noninterest expense	$1,640,000	4,728
Salaries and employee benefits	$1,001,000	4,407
Premises and equipment expense	$178,000	5,371
Additional noninterest expense	$461,000	4,839
Pre-tax net operating income	$890,000	3,783
Securities gains (losses)	$0	1,444
Applicable income taxes	$8,000	5,755
Income before extraordinary items	$882,000	3,310
Extraordinary gains, net	$0	29
Net income	$882,000	3,309
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,902
Cash dividends	$1,205,000	1,326
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$882,000	3,288
2007-03-31 (YTD Data)		Rank
Total interest income	$2,476,000	3,800
Total interest expense	$1,237,000	3,458
Net interest income	$1,239,000	4,055
Provision for loan and lease losses	$60,000	2,747
Total noninterest income	$145,000	4,721
Gross Fiduciary activities income	$11,000	1,027
Service charges on deposit accounts	$53,000	4,757
Trading account gains and fees	$0	195
Additional Noninterest Income	$81,000	4,179
Total noninterest expense	$835,000	4,669
Salaries and employee benefits	$514,000	4,345
Premises and equipment expense	$89,000	5,403
Additional noninterest expense	$232,000	4,778
Pre-tax net operating income	$489,000	3,576
Securities gains (losses)	$0	1,187
Applicable income taxes	$5,000	5,693
Income before extraordinary items	$484,000	3,101
Extraordinary gains, net	$0	22
Net income	$484,000	3,101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,195
Cash dividends	$661,000	1,133
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$484,000	3,079
2006-12-31 (YTD Data)		Rank
Total interest income	$9,191,000	3,804
Total interest expense	$4,266,000	3,431
Net interest income	$4,925,000	4,049
Provision for loan and lease losses	$390,000	2,314
Total noninterest income	$574,000	4,836
Gross Fiduciary activities income	$36,000	1,071
Service charges on deposit accounts	$222,000	4,771
Trading account gains and fees	$0	130
Additional Noninterest Income	$316,000	4,204
Total noninterest expense	$3,212,000	4,670
Salaries and employee benefits	$1,981,000	4,299
Premises and equipment expense	$357,000	5,278
Additional noninterest expense	$874,000	4,956
Pre-tax net operating income	$1,897,000	3,756
Securities gains (losses)	$-76,000	8,098
Applicable income taxes	$6,000	6,282
Income before extraordinary items	$1,815,000	3,328
Extraordinary gains, net	$0	51
Net income	$1,815,000	3,327
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$248,000	1,915
Cash dividends	$289,000	4,536
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,891,000	3,205
2006-09-30 (YTD Data)		Rank
Total interest income	$6,751,000	3,838
Total interest expense	$3,050,000	3,465
Net interest income	$3,701,000	4,077
Provision for loan and lease losses	$330,000	1,984
Total noninterest income	$425,000	4,880
Gross Fiduciary activities income	$23,000	1,090
Service charges on deposit accounts	$174,000	4,719
Trading account gains and fees	$0	126
Additional Noninterest Income	$228,000	4,263
Total noninterest expense	$2,380,000	4,687
Salaries and employee benefits	$1,476,000	4,290
Premises and equipment expense	$248,000	5,505
Additional noninterest expense	$656,000	4,934
Pre-tax net operating income	$1,416,000	3,924
Securities gains (losses)	$-76,000	8,319
Applicable income taxes	$69,000	5,224
Income before extraordinary items	$1,271,000	3,595
Extraordinary gains, net	$0	45
Net income	$1,271,000	3,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$245,000	1,323
Cash dividends	$289,000	3,735
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,343,200	3,439
2006-06-30 (YTD Data)		Rank
Total interest income	$4,359,000	3,884
Total interest expense	$1,887,000	3,554
Net interest income	$2,472,000	4,079
Provision for loan and lease losses	$270,000	1,643
Total noninterest income	$257,000	5,083
Gross Fiduciary activities income	$16,000	1,102
Service charges on deposit accounts	$100,000	5,022
Trading account gains and fees	$0	126
Additional Noninterest Income	$141,000	4,414
Total noninterest expense	$1,584,000	4,711
Salaries and employee benefits	$969,000	4,364
Premises and equipment expense	$161,000	5,586
Additional noninterest expense	$454,000	4,791
Pre-tax net operating income	$875,000	4,115
Securities gains (losses)	$-76,000	8,471
Applicable income taxes	$64,000	5,006
Income before extraordinary items	$735,000	3,937
Extraordinary gains, net	$0	39
Net income	$735,000	3,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$237,000	979
Cash dividends	$159,000	3,939
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$804,920	3,733
2006-03-31 (YTD Data)		Rank
Total interest income	$2,100,000	3,925
Total interest expense	$871,000	3,626
Net interest income	$1,229,000	4,097
Provision for loan and lease losses	$90,000	2,132
Total noninterest income	$99,000	5,618
Gross Fiduciary activities income	$6,000	1,135
Service charges on deposit accounts	$42,000	5,298
Trading account gains and fees	$0	115
Additional Noninterest Income	$51,000	5,080
Total noninterest expense	$794,000	4,723
Salaries and employee benefits	$490,000	4,345
Premises and equipment expense	$83,000	5,536
Additional noninterest expense	$221,000	4,863
Pre-tax net operating income	$444,000	4,025
Securities gains (losses)	$-76,000	8,627
Applicable income taxes	$60,000	4,268
Income before extraordinary items	$308,000	4,348
Extraordinary gains, net	$0	21
Net income	$308,000	4,348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	2,212
Cash dividends	$62,000	3,455
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$371,840	3,852
2005-12-31 (YTD Data)		Rank
Total interest income	$7,717,000	3,858
Total interest expense	$2,861,000	3,472
Net interest income	$4,856,000	4,044
Provision for loan and lease losses	$300,000	2,799
Total noninterest income	$543,000	5,050
Gross Fiduciary activities income	$28,000	1,130
Service charges on deposit accounts	$219,000	4,853
Trading account gains and fees	$0	138
Additional Noninterest Income	$296,000	4,366
Total noninterest expense	$3,154,000	4,609
Salaries and employee benefits	$1,965,000	4,176
Premises and equipment expense	$379,000	5,031
Additional noninterest expense	$810,000	5,129
Pre-tax net operating income	$1,945,000	3,760
Securities gains (losses)	$8,000	1,546
Applicable income taxes	$585,000	3,113
Income before extraordinary items	$1,368,000	4,017
Extraordinary gains, net	$0	46
Net income	$1,368,000	4,018
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$220,000	2,160
Cash dividends	$1,394,000	1,932
Sale, conversion, retirement of capital stock, net	$-175,000	8,775
Net operating income	$1,362,400	3,994
2005-09-30 (YTD Data)		Rank
Total interest income	$5,680,000	3,861
Total interest expense	$2,064,000	3,428
Net interest income	$3,616,000	4,063
Provision for loan and lease losses	$210,000	2,870
Total noninterest income	$408,000	5,067
Gross Fiduciary activities income	$21,000	1,109
Service charges on deposit accounts	$161,000	4,927
Trading account gains and fees	$0	126
Additional Noninterest Income	$226,000	4,341
Total noninterest expense	$2,363,000	4,595
Salaries and employee benefits	$1,474,000	4,151
Premises and equipment expense	$288,000	4,976
Additional noninterest expense	$601,000	5,118
Pre-tax net operating income	$1,451,000	3,848
Securities gains (losses)	$3,000	1,906
Applicable income taxes	$437,000	3,175
Income before extraordinary items	$1,017,000	4,110
Extraordinary gains, net	$0	35
Net income	$1,017,000	4,110
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$179,000	1,809
Cash dividends	$378,000	3,208
Sale, conversion, retirement of capital stock, net	$-88,000	8,807
Net operating income	$1,014,900	4,074
2005-06-30 (YTD Data)		Rank
Total interest income	$3,717,000	3,847
Total interest expense	$1,312,000	3,401
Net interest income	$2,405,000	4,044
Provision for loan and lease losses	$120,000	3,004
Total noninterest income	$266,000	5,075
Gross Fiduciary activities income	$13,000	1,120
Service charges on deposit accounts	$98,000	5,081
Trading account gains and fees	$0	116
Additional Noninterest Income	$155,000	4,242
Total noninterest expense	$1,565,000	4,599
Salaries and employee benefits	$986,000	4,125
Premises and equipment expense	$189,000	5,007
Additional noninterest expense	$390,000	5,177
Pre-tax net operating income	$986,000	3,752
Securities gains (losses)	$3,000	1,754
Applicable income taxes	$298,000	3,119
Income before extraordinary items	$691,000	4,026
Extraordinary gains, net	$0	30
Net income	$691,000	4,028
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$57,000	2,562
Cash dividends	$330,000	2,792
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$688,900	3,980
2005-03-31 (YTD Data)		Rank
Total interest income	$1,806,000	3,915
Total interest expense	$625,000	3,403
Net interest income	$1,181,000	4,105
Provision for loan and lease losses	$60,000	2,830
Total noninterest income	$142,000	4,842
Gross Fiduciary activities income	$5,000	1,162
Service charges on deposit accounts	$45,000	5,216
Trading account gains and fees	$0	115
Additional Noninterest Income	$92,000	3,905
Total noninterest expense	$785,000	4,614
Salaries and employee benefits	$488,000	4,160
Premises and equipment expense	$95,000	5,050
Additional noninterest expense	$202,000	5,032
Pre-tax net operating income	$478,000	3,795
Securities gains (losses)	$3,000	1,324
Applicable income taxes	$144,000	3,169
Income before extraordinary items	$337,000	4,057
Extraordinary gains, net	$0	24
Net income	$337,000	4,059
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,060
Cash dividends	$117,000	2,800
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$334,900	4,034
2004-12-31 (YTD Data)		Rank
Total interest income	$7,052,000	3,782
Total interest expense	$2,436,000	3,108
Net interest income	$4,616,000	4,049
Provision for loan and lease losses	$235,000	3,414
Total noninterest income	$552,000	5,028
Gross Fiduciary activities income	$26,000	1,160
Service charges on deposit accounts	$222,000	5,003
Trading account gains and fees	$0	138
Additional Noninterest Income	$304,000	4,238
Total noninterest expense	$3,110,000	4,546
Salaries and employee benefits	$1,941,000	4,097
Premises and equipment expense	$385,000	4,889
Additional noninterest expense	$784,000	5,165
Pre-tax net operating income	$1,823,000	3,760
Securities gains (losses)	$23,000	2,306
Applicable income taxes	$533,000	3,242
Income before extraordinary items	$1,313,000	3,959
Extraordinary gains, net	$0	34
Net income	$1,313,000	3,961
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$286,000	2,065
Cash dividends	$399,000	3,929
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,296,670	3,941
2004-09-30 (YTD Data)		Rank
Total interest income	$5,280,000	3,761
Total interest expense	$1,817,000	3,080
Net interest income	$3,463,000	4,046
Provision for loan and lease losses	$160,000	3,409
Total noninterest income	$437,000	4,907
Gross Fiduciary activities income	$19,000	1,146
Service charges on deposit accounts	$170,000	5,004
Trading account gains and fees	$0	134
Additional Noninterest Income	$248,000	4,076
Total noninterest expense	$2,336,000	4,512
Salaries and employee benefits	$1,452,000	4,061
Premises and equipment expense	$288,000	4,890
Additional noninterest expense	$596,000	5,073
Pre-tax net operating income	$1,404,000	3,741
Securities gains (losses)	$11,000	2,659
Applicable income taxes	$411,000	3,249
Income before extraordinary items	$1,004,000	3,990
Extraordinary gains, net	$0	26
Net income	$1,004,000	3,991
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	2,732
Cash dividends	$345,000	3,262
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$996,190	3,945
2004-06-30 (YTD Data)		Rank
Total interest income	$3,502,000	3,766
Total interest expense	$1,209,000	3,063
Net interest income	$2,293,000	4,065
Provision for loan and lease losses	$115,000	3,272
Total noninterest income	$303,000	4,796
Gross Fiduciary activities income	$13,000	1,150
Service charges on deposit accounts	$110,000	5,057
Trading account gains and fees	$0	130
Additional Noninterest Income	$180,000	3,968
Total noninterest expense	$1,546,000	4,567
Salaries and employee benefits	$969,000	4,085
Premises and equipment expense	$182,000	5,083
Additional noninterest expense	$395,000	5,112
Pre-tax net operating income	$935,000	3,691
Securities gains (losses)	$10,000	2,414
Applicable income taxes	$271,000	3,252
Income before extraordinary items	$674,000	3,946
Extraordinary gains, net	$0	21
Net income	$674,000	3,947
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	3,529
Cash dividends	$220,000	3,325
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$666,900	3,886
2004-03-31 (YTD Data)		Rank
Total interest income	$1,742,000	3,794
Total interest expense	$614,000	3,062
Net interest income	$1,128,000	4,106
Provision for loan and lease losses	$45,000	3,437
Total noninterest income	$147,000	4,822
Gross Fiduciary activities income	$6,000	1,163
Service charges on deposit accounts	$55,000	4,979
Trading account gains and fees	$0	121
Additional Noninterest Income	$86,000	4,023
Total noninterest expense	$788,000	4,523
Salaries and employee benefits	$480,000	4,144
Premises and equipment expense	$93,000	5,051
Additional noninterest expense	$215,000	4,818
Pre-tax net operating income	$442,000	3,827
Securities gains (losses)	$2,000	2,612
Applicable income taxes	$125,000	3,416
Income before extraordinary items	$319,000	4,110
Extraordinary gains, net	$0	16
Net income	$319,000	4,109
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,358
Cash dividends	$148,000	2,538
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$317,560	3,985
2003-12-31 (YTD Data)		Rank
Total interest income	$7,041,000	3,805
Total interest expense	$2,799,000	3,045
Net interest income	$4,242,000	4,180
Provision for loan and lease losses	$135,000	4,750
Total noninterest income	$838,000	4,121
Gross Fiduciary activities income	$24,000	1,214
Service charges on deposit accounts	$221,000	5,043
Trading account gains and fees	$0	160
Additional Noninterest Income	$593,000	3,282
Total noninterest expense	$2,983,000	4,620
Salaries and employee benefits	$1,808,000	4,254
Premises and equipment expense	$429,000	4,510
Additional noninterest expense	$746,000	5,285
Pre-tax net operating income	$1,962,000	3,437
Securities gains (losses)	$19,000	3,246
Applicable income taxes	$574,000	3,145
Income before extraordinary items	$1,407,000	3,720
Extraordinary gains, net	$0	54
Net income	$1,407,000	3,719
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$104,000	3,987
Cash dividends	$483,000	3,612
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,393,510	3,588
2003-09-30 (YTD Data)		Rank
Total interest income	$5,276,000	3,858
Total interest expense	$2,140,000	3,098
Net interest income	$3,136,000	4,250
Provision for loan and lease losses	$90,000	4,812
Total noninterest income	$702,000	3,935
Gross Fiduciary activities income	$19,000	1,187
Service charges on deposit accounts	$163,000	5,107
Trading account gains and fees	$0	153
Additional Noninterest Income	$520,000	3,066
Total noninterest expense	$2,201,000	4,651
Salaries and employee benefits	$1,334,000	4,289
Premises and equipment expense	$320,000	4,527
Additional noninterest expense	$547,000	5,342
Pre-tax net operating income	$1,547,000	3,456
Securities gains (losses)	$14,000	3,164
Applicable income taxes	$462,000	3,165
Income before extraordinary items	$1,099,000	3,743
Extraordinary gains, net	$0	40
Net income	$1,099,000	3,742
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	4,181
Cash dividends	$427,000	2,931
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,089,200	3,604
2003-06-30 (YTD Data)		Rank
Total interest income	$3,545,000	3,854
Total interest expense	$1,455,000	3,137
Net interest income	$2,090,000	4,263
Provision for loan and lease losses	$60,000	4,687
Total noninterest income	$500,000	3,739
Gross Fiduciary activities income	$13,000	1,190
Service charges on deposit accounts	$104,000	5,180
Trading account gains and fees	$0	150
Additional Noninterest Income	$383,000	2,863
Total noninterest expense	$1,487,000	4,621
Salaries and employee benefits	$909,000	4,228
Premises and equipment expense	$213,000	4,529
Additional noninterest expense	$365,000	5,327
Pre-tax net operating income	$1,043,000	3,418
Securities gains (losses)	$12,000	2,858
Applicable income taxes	$308,000	3,199
Income before extraordinary items	$747,000	3,681
Extraordinary gains, net	$0	30
Net income	$747,000	3,681
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,844
Cash dividends	$301,000	2,865
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$738,480	3,513
2003-03-31 (YTD Data)		Rank
Total interest income	$1,784,000	3,846
Total interest expense	$740,000	3,152
Net interest income	$1,044,000	4,272
Provision for loan and lease losses	$30,000	4,429
Total noninterest income	$259,000	3,558
Gross Fiduciary activities income	$7,000	1,175
Service charges on deposit accounts	$54,000	5,010
Trading account gains and fees	$0	134
Additional Noninterest Income	$198,000	2,732
Total noninterest expense	$722,000	4,698
Salaries and employee benefits	$441,000	4,307
Premises and equipment expense	$108,000	4,477
Additional noninterest expense	$173,000	5,493
Pre-tax net operating income	$551,000	3,281
Securities gains (losses)	$12,000	2,102
Applicable income taxes	$169,000	3,000
Income before extraordinary items	$394,000	3,490
Extraordinary gains, net	$0	21
Net income	$394,000	3,488
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,979
Cash dividends	$178,000	2,360
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$385,600	3,384
2002-12-31 (YTD Data)		Rank
Total interest income	$7,369,000	3,890
Total interest expense	$3,303,000	3,259
Net interest income	$4,066,000	4,295
Provision for loan and lease losses	$160,000	4,794
Total noninterest income	$744,000	4,173
Gross Fiduciary activities income	$22,000	1,262
Service charges on deposit accounts	$212,000	5,076
Trading account gains and fees	$0	153
Additional Noninterest Income	$510,000	3,248
Total noninterest expense	$2,894,000	4,572
Salaries and employee benefits	$1,742,000	4,194
Premises and equipment expense	$410,000	4,561
Additional noninterest expense	$742,000	5,195
Pre-tax net operating income	$1,756,000	3,719
Securities gains (losses)	$18,000	3,224
Applicable income taxes	$480,000	3,534
Income before extraordinary items	$1,294,000	3,892
Extraordinary gains, net	$0	70
Net income	$1,294,000	3,891
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	5,476
Cash dividends	$364,000	4,004
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,280,860	3,814
2001-12-31 (YTD Data)		Rank
Total interest income	$8,504,000	3,812
Total interest expense	$4,753,000	3,298
Net interest income	$3,751,000	4,339
Provision for loan and lease losses	$180,000	4,345
Total noninterest income	$794,000	3,870
Gross Fiduciary activities income	$17,000	1,335
Service charges on deposit accounts	$275,000	4,394
Trading account gains and fees	$0	177
Additional Noninterest Income	$502,000	3,124
Total noninterest expense	$2,944,000	4,397
Salaries and employee benefits	$1,665,000	4,176
Premises and equipment expense	$380,000	4,764
Additional noninterest expense	$899,000	4,412
Pre-tax net operating income	$1,421,000	4,002
Securities gains (losses)	$16,000	3,318
Applicable income taxes	$353,000	3,966
Income before extraordinary items	$1,084,000	4,067
Extraordinary gains, net	$0	105
Net income	$1,084,000	4,068
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	5,370
Cash dividends	$420,000	3,759
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,072,000	3,968
2000-12-31 (YTD Data)		Rank
Total interest income	$8,611,000	3,894
Total interest expense	$4,840,000	3,418
Net interest income	$3,771,000	4,376
Provision for loan and lease losses	$195,000	3,809
Total noninterest income	$725,000	3,901
Gross Fiduciary activities income	$16,000	1,172
Service charges on deposit accounts	$319,000	3,872
Trading account gains and fees	$0	180
Additional Noninterest Income	$390,000	3,412
Total noninterest expense	$2,815,000	4,456
Salaries and employee benefits	$1,635,000	4,075
Premises and equipment expense	$373,000	4,729
Additional noninterest expense	$807,000	4,708
Pre-tax net operating income	$1,486,000	4,089
Securities gains (losses)	$0	1,956
Applicable income taxes	$376,000	4,122
Income before extraordinary items	$1,110,000	4,076
Extraordinary gains, net	$0	38
Net income	$1,110,000	4,077
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	4,380
Cash dividends	$625,000	3,120
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,110,000	4,073
1999-12-31 (YTD Data)		Rank
Total interest income	$7,762,000	4,029
Total interest expense	$4,238,000	3,417
Net interest income	$3,524,000	4,636
Provision for loan and lease losses	$215,000	3,402
Total noninterest income	$635,000	4,265
Gross Fiduciary activities income	$19,000	1,210
Service charges on deposit accounts	$169,000	5,546
Trading account gains and fees	$0	173
Additional Noninterest Income	$447,000	3,171
Total noninterest expense	$2,725,000	4,563
Salaries and employee benefits	$1,490,000	4,371
Premises and equipment expense	$419,000	4,366
Additional noninterest expense	$816,000	4,716
Pre-tax net operating income	$1,219,000	4,718
Securities gains (losses)	$2,000	2,566
Applicable income taxes	$279,000	4,967
Income before extraordinary items	$942,000	4,605
Extraordinary gains, net	$0	35
Net income	$942,000	4,606
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$129,000	3,103
Cash dividends	$215,000	5,116
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$940,460	4,574
1998-12-31 (YTD Data)		Rank
Total interest income	$6,093,000	4,946
Total interest expense	$3,279,000	4,399
Net interest income	$2,814,000	5,387
Provision for loan and lease losses	$118,000	4,801
Total noninterest income	$328,000	6,219
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$134,000	6,208
Trading account gains and fees	NA	NA
Additional Noninterest Income	$194,000	5,040
Total noninterest expense	$2,068,000	5,471
Salaries and employee benefits	$1,136,000	5,272
Premises and equipment expense	$262,000	5,799
Additional noninterest expense	$670,000	5,340
Pre-tax net operating income	$956,000	5,553
Securities gains (losses)	$21,000	2,394
Applicable income taxes	$242,000	5,722
Income before extraordinary items	$735,000	5,464
Extraordinary gains, net	$0	32
Net income	$735,000	5,464
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	4,450
Cash dividends	$133,000	5,947
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$719,250	5,422
1997-12-31 (YTD Data)		Rank
Total interest income	$5,504,000	5,407
Total interest expense	$2,941,000	4,806
Net interest income	$2,563,000	5,954
Provision for loan and lease losses	$84,000	5,567
Total noninterest income	$223,000	7,553
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$131,000	6,543
Trading account gains and fees	NA	NA
Additional Noninterest Income	$92,000	7,011
Total noninterest expense	$1,653,000	6,409
Salaries and employee benefits	$971,000	5,966
Premises and equipment expense	$233,000	6,305
Additional noninterest expense	$449,000	6,934
Pre-tax net operating income	$1,049,000	5,685
Securities gains (losses)	$57,000	1,267
Applicable income taxes	$286,000	5,856
Income before extraordinary items	$820,000	5,375
Extraordinary gains, net	$0	44
Net income	$820,000	5,379
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	8,093
Cash dividends	$104,000	6,416
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$777,820	5,512
1996-12-31 (YTD Data)		Rank
Total interest income	$4,960,000	5,972
Total interest expense	$2,714,000	5,200
Net interest income	$2,246,000	6,670
Provision for loan and lease losses	$72,000	5,782
Total noninterest income	$250,000	7,576
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$127,000	6,933
Trading account gains and fees	NA	NA
Additional Noninterest Income	$123,000	6,525
Total noninterest expense	$1,586,000	6,876
Salaries and employee benefits	$852,000	6,700
Premises and equipment expense	$222,000	6,659
Additional noninterest expense	$512,000	6,960
Pre-tax net operating income	$838,000	6,340
Securities gains (losses)	$-2,000	9,485
Applicable income taxes	$172,000	7,559
Income before extraordinary items	$664,000	5,919
Extraordinary gains, net	$0	53
Net income	$664,000	5,921
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	5,598
Cash dividends	$85,000	6,967
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$665,580	5,862
1995-12-31 (YTD Data)		Rank
Total interest income	$4,684,000	6,254
Total interest expense	$2,454,000	5,647
Net interest income	$2,230,000	6,814
Provision for loan and lease losses	$87,000	4,922
Total noninterest income	$227,000	8,033
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	7,092
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	7,327
Total noninterest expense	$1,413,000	7,548
Salaries and employee benefits	$814,000	7,030
Premises and equipment expense	$168,000	7,858
Additional noninterest expense	$431,000	7,890
Pre-tax net operating income	$957,000	6,168
Securities gains (losses)	$-88,000	11,436
Applicable income taxes	$180,000	7,774
Income before extraordinary items	$689,000	6,065
Extraordinary gains, net	$0	65
Net income	$689,000	6,063
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	5,371
Cash dividends	$142,000	6,189
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$758,520	5,646
1994-12-31 (YTD Data)		Rank
Total interest income	$4,271,000	6,390
Total interest expense	$2,006,000	5,601
Net interest income	$2,265,000	6,935
Provision for loan and lease losses	$96,000	4,659
Total noninterest income	$174,000	9,218
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$109,000	7,867
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	8,873
Total noninterest expense	$1,429,000	7,825
Salaries and employee benefits	$771,000	7,371
Premises and equipment expense	$174,000	7,986
Additional noninterest expense	$484,000	8,018
Pre-tax net operating income	$914,000	6,327
Securities gains (losses)	$-55,000	11,109
Applicable income taxes	$174,000	7,835
Income before extraordinary items	$685,000	6,002
Extraordinary gains, net	$0	249
Net income	$685,000	6,016
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	4,238
Cash dividends	$471,000	3,377
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$729,000	5,816
1993-12-31 (YTD Data)		Rank
Total interest income	$4,206,000	6,626
Total interest expense	$2,041,000	5,732
Net interest income	$2,165,000	7,266
Provision for loan and lease losses	$30,000	8,397
Total noninterest income	$222,000	8,820
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$111,000	8,082
Trading account gains and fees	NA	NA
Additional Noninterest Income	$111,000	7,550
Total noninterest expense	$1,371,000	8,273
Salaries and employee benefits	$751,000	7,635
Premises and equipment expense	$188,000	7,937
Additional noninterest expense	$432,000	8,906
Pre-tax net operating income	$986,000	5,939
Securities gains (losses)	$1,000	7,052
Applicable income taxes	$226,000	7,158
Income before extraordinary items	$761,000	5,771
Extraordinary gains, net	$0	3,149
Net income	$761,000	5,917
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$148,000	3,696
Cash dividends	$503,000	3,039
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$760,230	5,528
1992-12-31 (YTD Data)		Rank
Total interest income	$4,307,000	7,120
Total interest expense	$2,364,000	6,258
Net interest income	$1,943,000	7,913
Provision for loan and lease losses	$0	11,756
Total noninterest income	$333,000	7,317
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$100,000	8,522
Trading account gains and fees	NA	NA
Additional Noninterest Income	$233,000	5,197
Total noninterest expense	$1,347,000	8,491
Salaries and employee benefits	$673,000	8,200
Premises and equipment expense	$199,000	7,855
Additional noninterest expense	$475,000	8,697
Pre-tax net operating income	$929,000	5,949
Securities gains (losses)	$22,000	5,460
Applicable income taxes	$249,000	6,674
Income before extraordinary items	$702,000	5,905
Extraordinary gains, net	$0	1,422
Net income	$702,000	5,977
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-49,000	13,472
Cash dividends	$143,000	5,906
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$685,720	5,670

* 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.