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	$16,005,000	2,186
Total interest expense	$4,856,000	2,048
Net interest income	$11,149,000	2,227
Provision for loan and lease losses	$206,000	1,975
Total noninterest income	$988,000	2,747
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$847,000	1,137
Trading account gains and fees	NA	NA
Additional Noninterest Income	$141,000	3,853
Total noninterest expense	$6,065,000	2,766
Salaries and employee benefits	$3,837,000	2,584
Premises and equipment expense	$311,000	3,550
Additional noninterest expense	$141,000	3,853
Pre-tax net operating income	$5,866,000	1,743
Securities gains (losses)	$0	988
Applicable income taxes	$857,000	1,536
Income before extraordinary items	$5,009,000	1,720
Extraordinary gains, net	$0	54
Net income	$5,009,000	1,741
Minority interest net income	$0	88
Net income of bank and minority interests.	$5,009,000	1,723
Net charge-offs	$3,000	2,678
Cash dividends	$2,346,000	1,397
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$5,009,000	1,751
2023-09-30 (YTD Data)		Rank
Total interest income	$11,585,000	2,201
Total interest expense	$3,290,000	2,063
Net interest income	$8,295,000	2,254
Provision for loan and lease losses	$198,000	1,671
Total noninterest income	$743,000	2,757
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$635,000	1,132
Trading account gains and fees	NA	NA
Additional Noninterest Income	$108,000	3,857
Total noninterest expense	$4,498,000	2,768
Salaries and employee benefits	$2,854,000	2,585
Premises and equipment expense	$236,000	3,550
Additional noninterest expense	$108,000	3,855
Pre-tax net operating income	$4,342,000	1,813
Securities gains (losses)	$0	849
Applicable income taxes	$598,000	1,628
Income before extraordinary items	$3,744,000	1,789
Extraordinary gains, net	$0	52
Net income	$3,744,000	1,804
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,744,000	1,789
Net charge-offs	$1,000	2,548
Cash dividends	$647,000	2,054
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$3,744,000	1,814
2023-06-30 (YTD Data)		Rank
Total interest income	$7,445,000	2,231
Total interest expense	$1,917,000	2,072
Net interest income	$5,528,000	2,270
Provision for loan and lease losses	$96,000	1,843
Total noninterest income	$492,000	2,720
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$419,000	1,123
Trading account gains and fees	NA	NA
Additional Noninterest Income	$73,000	3,868
Total noninterest expense	$2,969,000	2,782
Salaries and employee benefits	$1,895,000	2,591
Premises and equipment expense	$154,000	3,580
Additional noninterest expense	$73,000	3,849
Pre-tax net operating income	$2,955,000	1,769
Securities gains (losses)	$0	938
Applicable income taxes	$425,000	1,595
Income before extraordinary items	$2,530,000	1,770
Extraordinary gains, net	$0	51
Net income	$2,530,000	1,790
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,530,000	1,770
Net charge-offs	$1,000	2,309
Cash dividends	$647,000	1,749
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,530,000	1,779
2023-03-31 (YTD Data)		Rank
Total interest income	$3,692,000	2,215
Total interest expense	$852,000	2,027
Net interest income	$2,840,000	2,228
Provision for loan and lease losses	$33,000	1,882
Total noninterest income	$244,000	2,728
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$213,000	1,127
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	3,945
Total noninterest expense	$1,523,000	2,783
Salaries and employee benefits	$980,000	2,581
Premises and equipment expense	$78,000	3,621
Additional noninterest expense	$31,000	3,945
Pre-tax net operating income	$1,528,000	1,763
Securities gains (losses)	$0	950
Applicable income taxes	$215,000	1,622
Income before extraordinary items	$1,313,000	1,746
Extraordinary gains, net	$0	4
Net income	$1,313,000	1,745
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,313,000	1,746
Net charge-offs	$-1,000	3,238
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,313,000	1,765
2022-12-31 (YTD Data)		Rank
Total interest income	$13,008,000	2,152
Total interest expense	$1,283,000	2,104
Net interest income	$11,725,000	2,139
Provision for loan and lease losses	$453,000	1,283
Total noninterest income	$918,000	2,912
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$790,000	1,221
Trading account gains and fees	NA	NA
Additional Noninterest Income	$128,000	4,054
Total noninterest expense	$5,734,000	2,817
Salaries and employee benefits	$3,618,000	2,657
Premises and equipment expense	$300,000	3,648
Additional noninterest expense	$128,000	4,054
Pre-tax net operating income	$6,456,000	1,742
Securities gains (losses)	$0	691
Applicable income taxes	$925,000	1,621
Income before extraordinary items	$5,531,000	1,703
Extraordinary gains, net	$0	5
Net income	$5,531,000	1,701
Minority interest net income	$0	63
Net income of bank and minority interests.	$5,531,000	1,702
Net charge-offs	$25,000	1,843
Cash dividends	$2,343,000	1,352
Sale, conversion, retirement of capital stock, net	$156,000	431
Net operating income	$5,531,000	1,731
2022-09-30 (YTD Data)		Rank
Total interest income	$9,344,000	2,168
Total interest expense	$737,000	2,142
Net interest income	$8,607,000	2,147
Provision for loan and lease losses	$374,000	1,119
Total noninterest income	$682,000	2,951
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$585,000	1,247
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	4,069
Total noninterest expense	$4,128,000	2,880
Salaries and employee benefits	$2,603,000	2,715
Premises and equipment expense	$230,000	3,642
Additional noninterest expense	$97,000	4,069
Pre-tax net operating income	$4,787,000	1,743
Securities gains (losses)	$0	740
Applicable income taxes	$676,000	1,632
Income before extraordinary items	$4,111,000	1,687
Extraordinary gains, net	$0	4
Net income	$4,111,000	1,685
Minority interest net income	$0	57
Net income of bank and minority interests.	$4,111,000	1,686
Net charge-offs	$12,000	1,769
Cash dividends	$645,000	2,002
Sale, conversion, retirement of capital stock, net	$156,000	368
Net operating income	$4,111,000	1,723
2022-06-30 (YTD Data)		Rank
Total interest income	$5,997,000	2,177
Total interest expense	$430,000	2,155
Net interest income	$5,567,000	2,167
Provision for loan and lease losses	$221,000	1,098
Total noninterest income	$442,000	2,973
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$378,000	1,247
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	4,087
Total noninterest expense	$2,699,000	2,900
Salaries and employee benefits	$1,683,000	2,763
Premises and equipment expense	$147,000	3,717
Additional noninterest expense	$869,000	2,850
Pre-tax net operating income	$3,089,000	1,699
Securities gains (losses)	$0	687
Applicable income taxes	$428,000	1,592
Income before extraordinary items	$2,661,000	1,657
Extraordinary gains, net	$0	4
Net income	$2,661,000	1,656
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,661,000	1,657
Net charge-offs	$9,000	1,615
Cash dividends	$645,000	1,684
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$2,661,000	1,692
2022-03-31 (YTD Data)		Rank
Total interest income	$2,888,000	2,179
Total interest expense	$209,000	2,142
Net interest income	$2,679,000	2,162
Provision for loan and lease losses	$43,000	1,453
Total noninterest income	$218,000	2,960
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$185,000	1,245
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	4,056
Total noninterest expense	$1,366,000	2,883
Salaries and employee benefits	$861,000	2,722
Premises and equipment expense	$73,000	3,743
Additional noninterest expense	$432,000	2,841
Pre-tax net operating income	$1,488,000	1,647
Securities gains (losses)	$0	623
Applicable income taxes	$202,000	1,601
Income before extraordinary items	$1,286,000	1,619
Extraordinary gains, net	$0	4
Net income	$1,286,000	1,618
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,286,000	1,619
Net charge-offs	$7,000	1,284
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,286,000	1,641
2021-12-31 (YTD Data)		Rank
Total interest income	$11,383,000	2,274
Total interest expense	$922,000	2,329
Net interest income	$10,461,000	2,265
Provision for loan and lease losses	$224,000	1,665
Total noninterest income	$853,000	3,147
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$700,000	1,249
Trading account gains and fees	NA	NA
Additional Noninterest Income	$153,000	4,160
Total noninterest expense	$5,220,000	2,953
Salaries and employee benefits	$3,208,000	2,829
Premises and equipment expense	$290,000	3,762
Additional noninterest expense	$1,722,000	2,859
Pre-tax net operating income	$5,870,000	1,852
Securities gains (losses)	$151,000	700
Applicable income taxes	$839,000	1,728
Income before extraordinary items	$5,182,000	1,849
Extraordinary gains, net	$0	10
Net income	$5,182,000	1,849
Minority interest net income	$0	74
Net income of bank and minority interests.	$5,182,000	1,850
Net charge-offs	$4,000	2,487
Cash dividends	$2,258,000	1,412
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$5,052,140	1,852
2021-09-30 (YTD Data)		Rank
Total interest income	$8,421,000	2,342
Total interest expense	$712,000	2,385
Net interest income	$7,709,000	2,330
Provision for loan and lease losses	$199,000	1,497
Total noninterest income	$646,000	3,167
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$518,000	1,259
Trading account gains and fees	NA	NA
Additional Noninterest Income	$128,000	4,127
Total noninterest expense	$3,760,000	3,026
Salaries and employee benefits	$2,301,000	2,907
Premises and equipment expense	$204,000	3,874
Additional noninterest expense	$1,255,000	2,913
Pre-tax net operating income	$4,396,000	1,934
Securities gains (losses)	$151,000	659
Applicable income taxes	$681,000	1,754
Income before extraordinary items	$3,866,000	1,923
Extraordinary gains, net	$0	8
Net income	$3,866,000	1,922
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,866,000	1,923
Net charge-offs	$1,000	2,373
Cash dividends	$645,000	2,102
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$3,737,650	1,942
2021-06-30 (YTD Data)		Rank
Total interest income	$5,496,000	2,374
Total interest expense	$493,000	2,401
Net interest income	$5,003,000	2,353
Provision for loan and lease losses	$141,000	1,464
Total noninterest income	$401,000	3,232
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$336,000	1,251
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	4,292
Total noninterest expense	$2,432,000	3,065
Salaries and employee benefits	$1,456,000	2,992
Premises and equipment expense	$133,000	3,917
Additional noninterest expense	$843,000	2,881
Pre-tax net operating income	$2,831,000	1,957
Securities gains (losses)	$151,000	535
Applicable income taxes	$417,000	1,814
Income before extraordinary items	$2,565,000	1,908
Extraordinary gains, net	$0	6
Net income	$2,565,000	1,907
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,565,000	1,908
Net charge-offs	$0	2,245
Cash dividends	$645,000	1,733
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$2,435,140	1,951
2021-03-31 (YTD Data)		Rank
Total interest income	$2,666,000	2,411
Total interest expense	$255,000	2,419
Net interest income	$2,411,000	2,398
Provision for loan and lease losses	$3,000	2,653
Total noninterest income	$195,000	3,253
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$162,000	1,280
Trading account gains and fees	NA	NA
Additional Noninterest Income	$33,000	4,265
Total noninterest expense	$1,187,000	3,107
Salaries and employee benefits	$732,000	2,967
Premises and equipment expense	$67,000	3,929
Additional noninterest expense	$388,000	2,992
Pre-tax net operating income	$1,416,000	1,939
Securities gains (losses)	$91,000	501
Applicable income taxes	$212,000	1,773
Income before extraordinary items	$1,295,000	1,898
Extraordinary gains, net	$0	3
Net income	$1,295,000	1,897
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,295,000	1,898
Net charge-offs	$-1,000	3,038
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,216,740	1,942
2020-12-31 (YTD Data)		Rank
Total interest income	$11,183,000	2,353
Total interest expense	$1,596,000	2,288
Net interest income	$9,587,000	2,329
Provision for loan and lease losses	$319,000	2,632
Total noninterest income	$764,000	3,168
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$650,000	1,316
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	4,306
Total noninterest expense	$4,983,000	3,012
Salaries and employee benefits	$3,228,000	2,815
Premises and equipment expense	$248,000	4,042
Additional noninterest expense	$1,507,000	3,040
Pre-tax net operating income	$5,049,000	1,773
Securities gains (losses)	$346,000	755
Applicable income taxes	$769,000	1,652
Income before extraordinary items	$4,626,000	1,728
Extraordinary gains, net	$0	4
Net income	$4,626,000	1,728
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,626,000	1,728
Net charge-offs	$18,000	2,836
Cash dividends	$1,933,000	1,573
Sale, conversion, retirement of capital stock, net	$136,000	413
Net operating income	$4,328,440	1,771
2020-09-30 (YTD Data)		Rank
Total interest income	$8,531,000	2,338
Total interest expense	$1,296,000	2,268
Net interest income	$7,235,000	2,321
Provision for loan and lease losses	$266,000	2,537
Total noninterest income	$575,000	3,158
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$488,000	1,302
Trading account gains and fees	NA	NA
Additional Noninterest Income	$87,000	4,295
Total noninterest expense	$3,672,000	3,029
Salaries and employee benefits	$2,388,000	2,824
Premises and equipment expense	$186,000	4,054
Additional noninterest expense	$1,098,000	3,067
Pre-tax net operating income	$3,872,000	1,721
Securities gains (losses)	$346,000	633
Applicable income taxes	$609,000	1,587
Income before extraordinary items	$3,609,000	1,661
Extraordinary gains, net	$0	4
Net income	$3,609,000	1,662
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,609,000	1,662
Net charge-offs	$9,000	2,770
Cash dividends	$482,000	2,362
Sale, conversion, retirement of capital stock, net	$136,000	362
Net operating income	$3,311,440	1,723
2020-06-30 (YTD Data)		Rank
Total interest income	$5,861,000	2,328
Total interest expense	$952,000	2,217
Net interest income	$4,909,000	2,306
Provision for loan and lease losses	$263,000	2,172
Total noninterest income	$385,000	3,124
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$328,000	1,306
Trading account gains and fees	NA	NA
Additional Noninterest Income	$57,000	4,308
Total noninterest expense	$2,436,000	3,053
Salaries and employee benefits	$1,590,000	2,855
Premises and equipment expense	$123,000	4,079
Additional noninterest expense	$723,000	3,087
Pre-tax net operating income	$2,595,000	1,638
Securities gains (losses)	$284,000	570
Applicable income taxes	$423,000	1,481
Income before extraordinary items	$2,456,000	1,556
Extraordinary gains, net	$0	4
Net income	$2,456,000	1,556
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,456,000	1,557
Net charge-offs	$7,000	2,562
Cash dividends	$482,000	2,021
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,214,600	1,648
2020-03-31 (YTD Data)		Rank
Total interest income	$2,673,000	2,451
Total interest expense	$529,000	2,203
Net interest income	$2,144,000	2,476
Provision for loan and lease losses	$53,000	2,474
Total noninterest income	$212,000	2,947
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$181,000	1,408
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	4,208
Total noninterest expense	$1,206,000	3,091
Salaries and employee benefits	$797,000	2,853
Premises and equipment expense	$61,000	4,115
Additional noninterest expense	$348,000	3,189
Pre-tax net operating income	$1,097,000	1,705
Securities gains (losses)	$174,000	423
Applicable income taxes	$179,000	1,484
Income before extraordinary items	$1,092,000	1,551
Extraordinary gains, net	$0	4
Net income	$1,092,000	1,550
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,092,000	1,551
Net charge-offs	$7,000	1,991
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$942,360	1,714
2019-12-31 (YTD Data)		Rank
Total interest income	$11,056,000	2,412
Total interest expense	$1,992,000	2,345
Net interest income	$9,064,000	2,411
Provision for loan and lease losses	$154,000	2,585
Total noninterest income	$858,000	3,025
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$737,000	1,435
Trading account gains and fees	NA	NA
Additional Noninterest Income	$121,000	4,309
Total noninterest expense	$4,789,000	3,103
Salaries and employee benefits	$2,977,000	2,952
Premises and equipment expense	$260,000	4,089
Additional noninterest expense	$1,552,000	3,020
Pre-tax net operating income	$4,979,000	1,764
Securities gains (losses)	$43,000	1,298
Applicable income taxes	$718,000	1,687
Income before extraordinary items	$4,304,000	1,784
Extraordinary gains, net	$0	11
Net income	$4,304,000	1,786
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,304,000	1,786
Net charge-offs	$7,000	3,419
Cash dividends	$1,849,000	1,661
Sale, conversion, retirement of capital stock, net	$116,000	465
Net operating income	$4,267,020	1,759
2019-09-30 (YTD Data)		Rank
Total interest income	$8,212,000	2,461
Total interest expense	$1,449,000	2,412
Net interest income	$6,763,000	2,454
Provision for loan and lease losses	$154,000	2,239
Total noninterest income	$638,000	3,049
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$547,000	1,446
Trading account gains and fees	NA	NA
Additional Noninterest Income	$91,000	4,355
Total noninterest expense	$3,531,000	3,146
Salaries and employee benefits	$2,198,000	2,989
Premises and equipment expense	$193,000	4,160
Additional noninterest expense	$1,140,000	3,078
Pre-tax net operating income	$3,716,000	1,811
Securities gains (losses)	$43,000	1,114
Applicable income taxes	$529,000	1,746
Income before extraordinary items	$3,230,000	1,832
Extraordinary gains, net	$0	11
Net income	$3,230,000	1,831
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,230,000	1,833
Net charge-offs	$7,000	3,061
Cash dividends	$482,000	2,522
Sale, conversion, retirement of capital stock, net	$116,000	394
Net operating income	$3,193,020	1,817
2019-06-30 (YTD Data)		Rank
Total interest income	$5,348,000	2,495
Total interest expense	$915,000	2,466
Net interest income	$4,433,000	2,484
Provision for loan and lease losses	$131,000	1,961
Total noninterest income	$413,000	3,052
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$354,000	1,463
Trading account gains and fees	NA	NA
Additional Noninterest Income	$59,000	4,396
Total noninterest expense	$2,340,000	3,173
Salaries and employee benefits	$1,442,000	3,038
Premises and equipment expense	$126,000	4,203
Additional noninterest expense	$772,000	3,079
Pre-tax net operating income	$2,375,000	1,852
Securities gains (losses)	$43,000	789
Applicable income taxes	$336,000	1,764
Income before extraordinary items	$2,082,000	1,845
Extraordinary gains, net	$0	11
Net income	$2,082,000	1,844
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,082,000	1,845
Net charge-offs	$3,000	2,936
Cash dividends	$482,000	2,161
Sale, conversion, retirement of capital stock, net	$116,000	339
Net operating income	$2,045,020	1,848
2019-03-31 (YTD Data)		Rank
Total interest income	$2,625,000	2,530
Total interest expense	$437,000	2,504
Net interest income	$2,188,000	2,519
Provision for loan and lease losses	$48,000	2,110
Total noninterest income	$204,000	3,022
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$173,000	1,485
Trading account gains and fees	NA	NA
Additional Noninterest Income	$31,000	4,360
Total noninterest expense	$1,189,000	3,163
Salaries and employee benefits	$744,000	3,004
Premises and equipment expense	$63,000	4,244
Additional noninterest expense	$382,000	3,112
Pre-tax net operating income	$1,155,000	1,860
Securities gains (losses)	$0	1,087
Applicable income taxes	$156,000	1,806
Income before extraordinary items	$999,000	1,872
Extraordinary gains, net	$0	5
Net income	$999,000	1,870
Minority interest net income	$0	52
Net income of bank and minority interests.	$999,000	1,871
Net charge-offs	$2,000	2,456
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$116,000	215
Net operating income	$999,000	1,851
2018-12-31 (YTD Data)		Rank
Total interest income	$9,863,000	2,546
Total interest expense	$1,211,000	2,653
Net interest income	$8,652,000	2,517
Provision for loan and lease losses	$284,000	2,038
Total noninterest income	$829,000	3,102
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$710,000	1,518
Trading account gains and fees	NA	NA
Additional Noninterest Income	$119,000	4,476
Total noninterest expense	$4,827,000	3,118
Salaries and employee benefits	$2,893,000	3,028
Premises and equipment expense	$352,000	3,767
Additional noninterest expense	$1,582,000	3,065
Pre-tax net operating income	$4,370,000	1,976
Securities gains (losses)	$55,000	405
Applicable income taxes	$546,000	1,906
Income before extraordinary items	$3,879,000	1,948
Extraordinary gains, net	$0	6
Net income	$3,879,000	1,947
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,879,000	1,947
Net charge-offs	$13,000	3,259
Cash dividends	$1,683,000	1,619
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,830,600	1,959
2018-09-30 (YTD Data)		Rank
Total interest income	$7,223,000	2,584
Total interest expense	$830,000	2,718
Net interest income	$6,393,000	2,550
Provision for loan and lease losses	$239,000	1,802
Total noninterest income	$602,000	3,172
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$520,000	1,558
Trading account gains and fees	NA	NA
Additional Noninterest Income	$82,000	4,589
Total noninterest expense	$3,614,000	3,129
Salaries and employee benefits	$2,195,000	3,015
Premises and equipment expense	$247,000	3,899
Additional noninterest expense	$1,172,000	3,084
Pre-tax net operating income	$3,142,000	2,060
Securities gains (losses)	$55,000	401
Applicable income taxes	$377,000	2,029
Income before extraordinary items	$2,820,000	1,992
Extraordinary gains, net	$0	5
Net income	$2,820,000	1,989
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,820,000	1,991
Net charge-offs	$9,000	3,032
Cash dividends	$481,000	2,409
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,771,600	2,010
2018-06-30 (YTD Data)		Rank
Total interest income	$4,685,000	2,628
Total interest expense	$495,000	2,815
Net interest income	$4,190,000	2,574
Provision for loan and lease losses	$116,000	2,099
Total noninterest income	$407,000	3,162
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$349,000	1,530
Trading account gains and fees	NA	NA
Additional Noninterest Income	$58,000	4,575
Total noninterest expense	$2,374,000	3,179
Salaries and employee benefits	$1,471,000	3,031
Premises and equipment expense	$144,000	4,144
Additional noninterest expense	$759,000	3,160
Pre-tax net operating income	$2,107,000	2,024
Securities gains (losses)	$41,000	362
Applicable income taxes	$250,000	2,025
Income before extraordinary items	$1,898,000	1,962
Extraordinary gains, net	$0	6
Net income	$1,898,000	1,960
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,898,000	1,961
Net charge-offs	$5,000	2,834
Cash dividends	$481,000	2,058
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,861,920	1,973
2018-03-31 (YTD Data)		Rank
Total interest income	$2,302,000	2,661
Total interest expense	$231,000	2,858
Net interest income	$2,071,000	2,605
Provision for loan and lease losses	$3,000	3,382
Total noninterest income	$199,000	3,192
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$169,000	1,580
Trading account gains and fees	NA	NA
Additional Noninterest Income	$30,000	4,587
Total noninterest expense	$1,186,000	3,217
Salaries and employee benefits	$757,000	2,987
Premises and equipment expense	$72,000	4,191
Additional noninterest expense	$357,000	3,312
Pre-tax net operating income	$1,081,000	1,933
Securities gains (losses)	$40,000	249
Applicable income taxes	$133,000	1,920
Income before extraordinary items	$988,000	1,863
Extraordinary gains, net	$0	7
Net income	$988,000	1,862
Minority interest net income	$0	52
Net income of bank and minority interests.	$988,000	1,863
Net charge-offs	$4,000	2,263
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$952,800	1,895
2017-12-31 (YTD Data)		Rank
Total interest income	$8,673,000	2,715
Total interest expense	$778,000	2,966
Net interest income	$7,895,000	2,664
Provision for loan and lease losses	$113,000	2,963
Total noninterest income	$885,000	3,136
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$635,000	1,682
Trading account gains and fees	NA	NA
Additional Noninterest Income	$250,000	3,988
Total noninterest expense	$4,646,000	3,244
Salaries and employee benefits	$2,882,000	3,078
Premises and equipment expense	$326,000	4,031
Additional noninterest expense	$1,438,000	3,321
Pre-tax net operating income	$4,021,000	2,033
Securities gains (losses)	$213,000	383
Applicable income taxes	$1,135,000	1,763
Income before extraordinary items	$3,099,000	1,974
Extraordinary gains, net	$0	9
Net income	$3,099,000	1,972
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,099,000	1,974
Net charge-offs	$6,000	3,826
Cash dividends	$1,522,000	1,700
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,943,510	2,058
2017-09-30 (YTD Data)		Rank
Total interest income	$6,412,000	2,760
Total interest expense	$564,000	3,013
Net interest income	$5,848,000	2,708
Provision for loan and lease losses	$114,000	2,550
Total noninterest income	$556,000	3,408
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$474,000	1,697
Trading account gains and fees	NA	NA
Additional Noninterest Income	$82,000	4,784
Total noninterest expense	$3,400,000	3,315
Salaries and employee benefits	$2,111,000	3,123
Premises and equipment expense	$218,000	4,248
Additional noninterest expense	$1,071,000	3,331
Pre-tax net operating income	$2,890,000	2,126
Securities gains (losses)	$202,000	364
Applicable income taxes	$546,000	1,994
Income before extraordinary items	$2,546,000	2,004
Extraordinary gains, net	$0	9
Net income	$2,546,000	2,003
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,546,000	2,004
Net charge-offs	$5,000	3,457
Cash dividends	$401,000	2,610
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,380,360	2,080
2017-06-30 (YTD Data)		Rank
Total interest income	$4,183,000	2,785
Total interest expense	$363,000	3,046
Net interest income	$3,820,000	2,734
Provision for loan and lease losses	$56,000	2,768
Total noninterest income	$368,000	3,416
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$314,000	1,694
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	4,816
Total noninterest expense	$2,274,000	3,328
Salaries and employee benefits	$1,414,000	3,133
Premises and equipment expense	$140,000	4,319
Additional noninterest expense	$720,000	3,327
Pre-tax net operating income	$1,858,000	2,139
Securities gains (losses)	$172,000	309
Applicable income taxes	$350,000	2,016
Income before extraordinary items	$1,680,000	1,975
Extraordinary gains, net	$0	11
Net income	$1,680,000	1,975
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,680,000	1,975
Net charge-offs	$5,000	3,121
Cash dividends	$401,000	2,226
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,537,240	2,086
2017-03-31 (YTD Data)		Rank
Total interest income	$2,054,000	2,818
Total interest expense	$178,000	3,072
Net interest income	$1,876,000	2,764
Provision for loan and lease losses	$3,000	3,441
Total noninterest income	$183,000	3,409
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$155,000	1,708
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	4,835
Total noninterest expense	$1,141,000	3,351
Salaries and employee benefits	$736,000	3,100
Premises and equipment expense	$69,000	4,393
Additional noninterest expense	$336,000	3,479
Pre-tax net operating income	$915,000	2,077
Securities gains (losses)	$78,000	276
Applicable income taxes	$170,000	2,008
Income before extraordinary items	$823,000	1,937
Extraordinary gains, net	$0	8
Net income	$823,000	1,937
Minority interest net income	$0	55
Net income of bank and minority interests.	$823,000	1,937
Net charge-offs	$0	2,943
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$758,260	2,042
2016-12-31 (YTD Data)		Rank
Total interest income	$8,065,000	2,827
Total interest expense	$693,000	3,071
Net interest income	$7,372,000	2,781
Provision for loan and lease losses	$88,000	3,258
Total noninterest income	$772,000	3,434
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$664,000	1,686
Trading account gains and fees	$0	170
Additional Noninterest Income	$108,000	4,917
Total noninterest expense	$4,513,000	3,412
Salaries and employee benefits	$2,694,000	3,257
Premises and equipment expense	$314,000	4,227
Additional noninterest expense	$1,505,000	3,336
Pre-tax net operating income	$3,543,000	2,108
Securities gains (losses)	$244,000	768
Applicable income taxes	$649,000	2,035
Income before extraordinary items	$3,138,000	2,029
Extraordinary gains, net	$0	5
Net income	$3,138,000	2,027
Minority interest net income	$0	82
Net income of bank and minority interests.	$3,138,000	2,028
Net charge-offs	$7,000	3,950
Cash dividends	$1,475,000	1,727
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,935,480	2,092
2016-09-30 (YTD Data)		Rank
Total interest income	$6,032,000	2,843
Total interest expense	$517,000	3,066
Net interest income	$5,515,000	2,793
Provision for loan and lease losses	$84,000	2,948
Total noninterest income	$581,000	3,437
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$500,000	1,685
Trading account gains and fees	$0	169
Additional Noninterest Income	$81,000	4,960
Total noninterest expense	$3,353,000	3,422
Salaries and employee benefits	$1,978,000	3,287
Premises and equipment expense	$247,000	4,164
Additional noninterest expense	$1,128,000	3,358
Pre-tax net operating income	$2,659,000	2,152
Securities gains (losses)	$244,000	697
Applicable income taxes	$502,000	2,052
Income before extraordinary items	$2,401,000	2,006
Extraordinary gains, net	$0	5
Net income	$2,401,000	2,006
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,401,000	2,006
Net charge-offs	$3,000	3,728
Cash dividends	$401,000	2,619
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,198,480	2,120
2016-06-30 (YTD Data)		Rank
Total interest income	$4,003,000	2,860
Total interest expense	$344,000	3,080
Net interest income	$3,659,000	2,810
Provision for loan and lease losses	$61,000	2,694
Total noninterest income	$378,000	3,473
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$325,000	1,696
Trading account gains and fees	$0	157
Additional Noninterest Income	$53,000	5,008
Total noninterest expense	$2,221,000	3,457
Salaries and employee benefits	$1,316,000	3,310
Premises and equipment expense	$160,000	4,244
Additional noninterest expense	$745,000	3,394
Pre-tax net operating income	$1,755,000	2,147
Securities gains (losses)	$201,000	599
Applicable income taxes	$342,000	2,020
Income before extraordinary items	$1,614,000	1,983
Extraordinary gains, net	$0	16
Net income	$1,614,000	1,983
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,614,000	1,983
Net charge-offs	$-4,000	4,670
Cash dividends	$401,000	2,208
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,447,170	2,128
2016-03-31 (YTD Data)		Rank
Total interest income	$2,006,000	2,858
Total interest expense	$172,000	3,094
Net interest income	$1,834,000	2,799
Provision for loan and lease losses	$23,000	2,814
Total noninterest income	$189,000	3,454
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$162,000	1,694
Trading account gains and fees	$0	142
Additional Noninterest Income	$27,000	5,014
Total noninterest expense	$1,117,000	3,462
Salaries and employee benefits	$677,000	3,285
Premises and equipment expense	$78,000	4,321
Additional noninterest expense	$362,000	3,464
Pre-tax net operating income	$883,000	2,115
Securities gains (losses)	$121,000	442
Applicable income taxes	$175,000	1,963
Income before extraordinary items	$829,000	1,928
Extraordinary gains, net	$0	12
Net income	$829,000	1,928
Minority interest net income	$0	62
Net income of bank and minority interests.	$829,000	1,928
Net charge-offs	$0	3,094
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$728,570	2,086
2015-12-31 (YTD Data)		Rank
Total interest income	$7,645,000	2,930
Total interest expense	$677,000	3,128
Net interest income	$6,968,000	2,867
Provision for loan and lease losses	$132,000	2,754
Total noninterest income	$797,000	3,433
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$681,000	1,687
Trading account gains and fees	$0	159
Additional Noninterest Income	$116,000	4,979
Total noninterest expense	$4,284,000	3,559
Salaries and employee benefits	$2,592,000	3,327
Premises and equipment expense	$319,000	4,359
Additional noninterest expense	$1,373,000	3,609
Pre-tax net operating income	$3,349,000	2,139
Securities gains (losses)	$169,000	840
Applicable income taxes	$590,000	2,079
Income before extraordinary items	$2,928,000	2,091
Extraordinary gains, net	$0	23
Net income	$2,928,000	2,092
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,928,000	2,093
Net charge-offs	$9,000	4,053
Cash dividends	$1,362,000	1,752
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,787,730	2,126
2015-09-30 (YTD Data)		Rank
Total interest income	$5,658,000	2,979
Total interest expense	$501,000	3,205
Net interest income	$5,157,000	2,914
Provision for loan and lease losses	$74,000	2,972
Total noninterest income	$594,000	3,474
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$504,000	1,715
Trading account gains and fees	$0	153
Additional Noninterest Income	$90,000	4,984
Total noninterest expense	$3,163,000	3,618
Salaries and employee benefits	$1,906,000	3,380
Premises and equipment expense	$239,000	4,397
Additional noninterest expense	$1,018,000	3,640
Pre-tax net operating income	$2,514,000	2,181
Securities gains (losses)	$169,000	733
Applicable income taxes	$460,000	2,079
Income before extraordinary items	$2,223,000	2,091
Extraordinary gains, net	$0	21
Net income	$2,223,000	2,092
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,223,000	2,092
Net charge-offs	$5,000	3,836
Cash dividends	$401,000	2,534
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,082,730	2,147
2015-06-30 (YTD Data)		Rank
Total interest income	$3,727,000	3,002
Total interest expense	$334,000	3,232
Net interest income	$3,393,000	2,943
Provision for loan and lease losses	$36,000	3,109
Total noninterest income	$385,000	3,521
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$327,000	1,731
Trading account gains and fees	$0	157
Additional Noninterest Income	$58,000	5,060
Total noninterest expense	$2,104,000	3,649
Salaries and employee benefits	$1,277,000	3,399
Premises and equipment expense	$160,000	4,417
Additional noninterest expense	$667,000	3,715
Pre-tax net operating income	$1,638,000	2,195
Securities gains (losses)	$149,000	649
Applicable income taxes	$330,000	2,033
Income before extraordinary items	$1,457,000	2,095
Extraordinary gains, net	$0	22
Net income	$1,457,000	2,097
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,457,000	2,097
Net charge-offs	$1,000	3,770
Cash dividends	$401,000	2,133
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,334,820	2,193
2015-03-31 (YTD Data)		Rank
Total interest income	$1,846,000	3,032
Total interest expense	$168,000	3,240
Net interest income	$1,678,000	2,971
Provision for loan and lease losses	$18,000	2,894
Total noninterest income	$187,000	3,532
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$155,000	1,779
Trading account gains and fees	$0	152
Additional Noninterest Income	$32,000	4,996
Total noninterest expense	$1,067,000	3,650
Salaries and employee benefits	$666,000	3,338
Premises and equipment expense	$80,000	4,483
Additional noninterest expense	$321,000	3,805
Pre-tax net operating income	$780,000	2,247
Securities gains (losses)	$95,000	605
Applicable income taxes	$150,000	2,088
Income before extraordinary items	$725,000	2,088
Extraordinary gains, net	$0	13
Net income	$725,000	2,089
Minority interest net income	$0	64
Net income of bank and minority interests.	$725,000	2,089
Net charge-offs	$-1,000	4,352
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$646,150	2,210
2014-12-31 (YTD Data)		Rank
Total interest income	$7,179,000	3,125
Total interest expense	$669,000	3,400
Net interest income	$6,510,000	3,055
Provision for loan and lease losses	$89,000	3,344
Total noninterest income	$807,000	3,467
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$711,000	1,729
Trading account gains and fees	$0	180
Additional Noninterest Income	$96,000	5,274
Total noninterest expense	$4,276,000	3,675
Salaries and employee benefits	$2,554,000	3,427
Premises and equipment expense	$342,000	4,417
Additional noninterest expense	$1,380,000	3,732
Pre-tax net operating income	$2,952,000	2,305
Securities gains (losses)	$353,000	544
Applicable income taxes	$549,000	2,108
Income before extraordinary items	$2,756,000	2,148
Extraordinary gains, net	$0	17
Net income	$2,756,000	2,148
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,756,000	2,147
Net charge-offs	$40,000	3,942
Cash dividends	$1,362,000	1,681
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,463,010	2,287
2014-09-30 (YTD Data)		Rank
Total interest income	$5,331,000	3,169
Total interest expense	$498,000	3,461
Net interest income	$4,833,000	3,102
Provision for loan and lease losses	$79,000	3,075
Total noninterest income	$590,000	3,547
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$527,000	1,753
Trading account gains and fees	$0	174
Additional Noninterest Income	$63,000	5,455
Total noninterest expense	$3,195,000	3,690
Salaries and employee benefits	$1,892,000	3,471
Premises and equipment expense	$251,000	4,519
Additional noninterest expense	$1,052,000	3,717
Pre-tax net operating income	$2,149,000	2,396
Securities gains (losses)	$330,000	444
Applicable income taxes	$415,000	2,152
Income before extraordinary items	$2,064,000	2,174
Extraordinary gains, net	$0	15
Net income	$2,064,000	2,174
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,064,000	2,173
Net charge-offs	$26,000	3,704
Cash dividends	$401,000	2,446
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,790,100	2,362
2014-06-30 (YTD Data)		Rank
Total interest income	$3,520,000	3,197
Total interest expense	$332,000	3,495
Net interest income	$3,188,000	3,120
Provision for loan and lease losses	$51,000	2,976
Total noninterest income	$382,000	3,582
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$346,000	1,758
Trading account gains and fees	$0	172
Additional Noninterest Income	$36,000	5,600
Total noninterest expense	$2,118,000	3,730
Salaries and employee benefits	$1,247,000	3,518
Premises and equipment expense	$162,000	4,626
Additional noninterest expense	$709,000	3,712
Pre-tax net operating income	$1,401,000	2,375
Securities gains (losses)	$265,000	400
Applicable income taxes	$282,000	2,086
Income before extraordinary items	$1,384,000	2,115
Extraordinary gains, net	$0	20
Net income	$1,384,000	2,119
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,384,000	2,118
Net charge-offs	$6,000	3,908
Cash dividends	$401,000	2,024
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,164,050	2,344
2014-03-31 (YTD Data)		Rank
Total interest income	$1,743,000	3,224
Total interest expense	$164,000	3,579
Net interest income	$1,579,000	3,155
Provision for loan and lease losses	$23,000	2,899
Total noninterest income	$199,000	3,470
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$166,000	1,795
Trading account gains and fees	$0	147
Additional Noninterest Income	$33,000	5,055
Total noninterest expense	$1,056,000	3,763
Salaries and employee benefits	$660,000	3,424
Premises and equipment expense	$82,000	4,650
Additional noninterest expense	$314,000	4,004
Pre-tax net operating income	$699,000	2,323
Securities gains (losses)	$142,000	343
Applicable income taxes	$141,000	2,057
Income before extraordinary items	$700,000	2,000
Extraordinary gains, net	$0	16
Net income	$700,000	2,003
Minority interest net income	$0	66
Net income of bank and minority interests.	$700,000	2,003
Net charge-offs	$2,000	3,350
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$582,140	2,276
2013-12-31 (YTD Data)		Rank
Total interest income	$6,909,000	3,281
Total interest expense	$674,000	3,835
Net interest income	$6,235,000	3,175
Provision for loan and lease losses	$25,000	4,614
Total noninterest income	$841,000	3,539
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$708,000	1,816
Trading account gains and fees	$0	184
Additional Noninterest Income	$133,000	5,080
Total noninterest expense	$4,182,000	3,821
Salaries and employee benefits	$2,475,000	3,569
Premises and equipment expense	$311,000	4,774
Additional noninterest expense	$1,396,000	3,824
Pre-tax net operating income	$2,869,000	2,233
Securities gains (losses)	$430,000	508
Applicable income taxes	$540,000	2,071
Income before extraordinary items	$2,759,000	2,022
Extraordinary gains, net	$0	29
Net income	$2,759,000	2,025
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,759,000	2,026
Net charge-offs	$-2,000	5,912
Cash dividends	$1,282,000	1,623
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,397,800	2,220
2013-09-30 (YTD Data)		Rank
Total interest income	$5,146,000	3,328
Total interest expense	$507,000	3,910
Net interest income	$4,639,000	3,214
Provision for loan and lease losses	$30,000	4,276
Total noninterest income	$626,000	3,605
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$524,000	1,843
Trading account gains and fees	$0	180
Additional Noninterest Income	$102,000	5,157
Total noninterest expense	$3,095,000	3,871
Salaries and employee benefits	$1,819,000	3,644
Premises and equipment expense	$251,000	4,635
Additional noninterest expense	$1,025,000	3,886
Pre-tax net operating income	$2,140,000	2,304
Securities gains (losses)	$430,000	463
Applicable income taxes	$444,000	2,036
Income before extraordinary items	$2,126,000	2,021
Extraordinary gains, net	$0	25
Net income	$2,126,000	2,028
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,126,000	2,027
Net charge-offs	$-4,000	5,917
Cash dividends	$401,000	2,323
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,769,100	2,274
2013-06-30 (YTD Data)		Rank
Total interest income	$3,386,000	3,376
Total interest expense	$339,000	3,966
Net interest income	$3,047,000	3,248
Provision for loan and lease losses	$11,000	4,490
Total noninterest income	$412,000	3,663
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$341,000	1,852
Trading account gains and fees	$0	157
Additional Noninterest Income	$71,000	5,136
Total noninterest expense	$2,082,000	3,865
Salaries and employee benefits	$1,231,000	3,618
Premises and equipment expense	$166,000	4,664
Additional noninterest expense	$685,000	3,880
Pre-tax net operating income	$1,366,000	2,367
Securities gains (losses)	$354,000	494
Applicable income taxes	$294,000	2,040
Income before extraordinary items	$1,426,000	2,017
Extraordinary gains, net	$0	22
Net income	$1,426,000	2,024
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,426,000	2,023
Net charge-offs	$-7,000	6,047
Cash dividends	$400,000	1,902
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,132,180	2,306
2013-03-31 (YTD Data)		Rank
Total interest income	$1,668,000	3,448
Total interest expense	$172,000	4,023
Net interest income	$1,496,000	3,303
Provision for loan and lease losses	$6,000	4,140
Total noninterest income	$197,000	3,680
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$171,000	1,841
Trading account gains and fees	$0	148
Additional Noninterest Income	$26,000	5,453
Total noninterest expense	$1,049,000	3,880
Salaries and employee benefits	$660,000	3,471
Premises and equipment expense	$81,000	4,758
Additional noninterest expense	$308,000	4,151
Pre-tax net operating income	$638,000	2,438
Securities gains (losses)	$272,000	353
Applicable income taxes	$167,000	1,896
Income before extraordinary items	$743,000	1,909
Extraordinary gains, net	$0	10
Net income	$743,000	1,910
Minority interest net income	$0	76
Net income of bank and minority interests.	$743,000	1,911
Net charge-offs	$-9,000	6,154
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$519,960	2,426
2012-12-31 (YTD Data)		Rank
Total interest income	$6,704,000	3,545
Total interest expense	$822,000	4,060
Net interest income	$5,882,000	3,418
Provision for loan and lease losses	$143,000	4,335
Total noninterest income	$885,000	3,468
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$728,000	1,834
Trading account gains and fees	$0	166
Additional Noninterest Income	$157,000	4,892
Total noninterest expense	$4,457,000	3,746
Salaries and employee benefits	$2,713,000	3,353
Premises and equipment expense	$357,000	4,557
Additional noninterest expense	$1,387,000	3,980
Pre-tax net operating income	$2,167,000	2,664
Securities gains (losses)	$758,000	680
Applicable income taxes	$481,000	2,221
Income before extraordinary items	$2,444,000	2,221
Extraordinary gains, net	$0	29
Net income	$2,444,000	2,220
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,444,000	2,222
Net charge-offs	$24,000	5,310
Cash dividends	$1,442,000	1,543
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,807,280	2,654
2012-09-30 (YTD Data)		Rank
Total interest income	$5,022,000	3,622
Total interest expense	$637,000	4,105
Net interest income	$4,385,000	3,486
Provision for loan and lease losses	$106,000	4,290
Total noninterest income	$673,000	3,481
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$544,000	1,855
Trading account gains and fees	$0	157
Additional Noninterest Income	$129,000	4,801
Total noninterest expense	$3,258,000	3,843
Salaries and employee benefits	$1,928,000	3,516
Premises and equipment expense	$278,000	4,537
Additional noninterest expense	$1,052,000	3,975
Pre-tax net operating income	$1,694,000	2,663
Securities gains (losses)	$678,000	594
Applicable income taxes	$434,000	2,083
Income before extraordinary items	$1,938,000	2,164
Extraordinary gains, net	$0	20
Net income	$1,938,000	2,165
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,938,000	2,166
Net charge-offs	$8,000	5,367
Cash dividends	$401,000	2,268
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,382,040	2,653
2012-06-30 (YTD Data)		Rank
Total interest income	$3,331,000	3,664
Total interest expense	$438,000	4,137
Net interest income	$2,893,000	3,531
Provision for loan and lease losses	$56,000	4,489
Total noninterest income	$465,000	3,371
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$368,000	1,836
Trading account gains and fees	$0	153
Additional Noninterest Income	$97,000	4,697
Total noninterest expense	$2,153,000	3,887
Salaries and employee benefits	$1,280,000	3,544
Premises and equipment expense	$188,000	4,513
Additional noninterest expense	$685,000	4,047
Pre-tax net operating income	$1,149,000	2,597
Securities gains (losses)	$431,000	646
Applicable income taxes	$299,000	2,062
Income before extraordinary items	$1,281,000	2,155
Extraordinary gains, net	$0	19
Net income	$1,281,000	2,155
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,281,000	2,155
Net charge-offs	$6,000	5,096
Cash dividends	$401,000	1,824
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$931,890	2,610
2012-03-31 (YTD Data)		Rank
Total interest income	$1,652,000	3,732
Total interest expense	$227,000	4,157
Net interest income	$1,425,000	3,583
Provision for loan and lease losses	$22,000	4,438
Total noninterest income	$234,000	3,355
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$184,000	1,821
Trading account gains and fees	$0	148
Additional Noninterest Income	$50,000	4,725
Total noninterest expense	$1,072,000	3,905
Salaries and employee benefits	$656,000	3,514
Premises and equipment expense	$98,000	4,443
Additional noninterest expense	$318,000	4,228
Pre-tax net operating income	$565,000	2,633
Securities gains (losses)	$289,000	468
Applicable income taxes	$169,000	1,911
Income before extraordinary items	$685,000	2,038
Extraordinary gains, net	$0	19
Net income	$685,000	2,039
Minority interest net income	$0	78
Net income of bank and minority interests.	$685,000	2,040
Net charge-offs	$3,000	4,432
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$453,800	2,675
2011-12-31 (YTD Data)		Rank
Total interest income	$6,750,000	3,767
Total interest expense	$1,061,000	4,277
Net interest income	$5,689,000	3,606
Provision for loan and lease losses	$2,000	6,472
Total noninterest income	$986,000	3,139
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$752,000	1,873
Trading account gains and fees	$0	146
Additional Noninterest Income	$234,000	4,229
Total noninterest expense	$4,429,000	3,840
Salaries and employee benefits	$2,706,000	3,361
Premises and equipment expense	$378,000	4,689
Additional noninterest expense	$1,345,000	4,139
Pre-tax net operating income	$2,244,000	2,297
Securities gains (losses)	$695,000	609
Applicable income taxes	$472,000	2,088
Income before extraordinary items	$2,467,000	1,894
Extraordinary gains, net	$0	29
Net income	$2,467,000	1,895
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,467,000	1,895
Net charge-offs	$-7,000	6,979
Cash dividends	$1,201,000	1,423
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,883,200	2,288
2011-09-30 (YTD Data)		Rank
Total interest income	$5,083,000	3,803
Total interest expense	$823,000	4,305
Net interest income	$4,260,000	3,619
Provision for loan and lease losses	$18,000	6,048
Total noninterest income	$636,000	3,413
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$549,000	1,919
Trading account gains and fees	$0	145
Additional Noninterest Income	$87,000	5,243
Total noninterest expense	$3,272,000	3,891
Salaries and employee benefits	$1,962,000	3,451
Premises and equipment expense	$283,000	4,756
Additional noninterest expense	$1,027,000	4,110
Pre-tax net operating income	$1,606,000	2,454
Securities gains (losses)	$623,000	543
Applicable income taxes	$404,000	1,930
Income before extraordinary items	$1,825,000	1,982
Extraordinary gains, net	$0	21
Net income	$1,825,000	1,982
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,825,000	1,982
Net charge-offs	$-9,000	6,987
Cash dividends	$400,000	2,021
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,314,140	2,461
2011-06-30 (YTD Data)		Rank
Total interest income	$3,389,000	3,839
Total interest expense	$563,000	4,340
Net interest income	$2,826,000	3,643
Provision for loan and lease losses	$12,000	5,900
Total noninterest income	$415,000	3,487
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$354,000	1,951
Trading account gains and fees	$0	153
Additional Noninterest Income	$61,000	5,244
Total noninterest expense	$2,218,000	3,893
Salaries and employee benefits	$1,316,000	3,448
Premises and equipment expense	$191,000	4,769
Additional noninterest expense	$711,000	4,057
Pre-tax net operating income	$1,011,000	2,517
Securities gains (losses)	$529,000	346
Applicable income taxes	$283,000	1,859
Income before extraordinary items	$1,257,000	1,880
Extraordinary gains, net	$0	15
Net income	$1,257,000	1,880
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,257,000	1,880
Net charge-offs	$-9,000	6,992
Cash dividends	$400,000	1,605
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$823,220	2,544
2011-03-31 (YTD Data)		Rank
Total interest income	$1,671,000	3,894
Total interest expense	$288,000	4,411
Net interest income	$1,383,000	3,678
Provision for loan and lease losses	$6,000	5,552
Total noninterest income	$214,000	3,444
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$184,000	1,865
Trading account gains and fees	$0	158
Additional Noninterest Income	$30,000	5,389
Total noninterest expense	$1,106,000	3,926
Salaries and employee benefits	$676,000	3,408
Premises and equipment expense	$97,000	4,779
Additional noninterest expense	$333,000	4,233
Pre-tax net operating income	$485,000	2,614
Securities gains (losses)	$468,000	165
Applicable income taxes	$198,000	1,524
Income before extraordinary items	$755,000	1,564
Extraordinary gains, net	$0	9
Net income	$755,000	1,564
Minority interest net income	$0	86
Net income of bank and minority interests.	$755,000	1,564
Net charge-offs	$-4,000	6,688
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$385,280	2,686
2010-12-31 (YTD Data)		Rank
Total interest income	$6,948,000	3,923
Total interest expense	$1,416,000	4,401
Net interest income	$5,532,000	3,688
Provision for loan and lease losses	$451,000	4,286
Total noninterest income	$917,000	3,377
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$783,000	1,873
Trading account gains and fees	$0	175
Additional Noninterest Income	$134,000	5,098
Total noninterest expense	$4,382,000	3,962
Salaries and employee benefits	$2,628,000	3,457
Premises and equipment expense	$326,000	5,230
Additional noninterest expense	$1,428,000	4,136
Pre-tax net operating income	$1,616,000	2,608
Securities gains (losses)	$1,213,000	415
Applicable income taxes	$341,000	2,247
Income before extraordinary items	$2,488,000	1,656
Extraordinary gains, net	$0	29
Net income	$2,488,000	1,656
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,488,000	1,658
Net charge-offs	$536,000	3,562
Cash dividends	$1,202,000	1,287
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,420,560	2,500
2010-09-30 (YTD Data)		Rank
Total interest income	$5,255,000	3,982
Total interest expense	$1,100,000	4,473
Net interest income	$4,155,000	3,733
Provision for loan and lease losses	$437,000	3,775
Total noninterest income	$695,000	3,396
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$581,000	1,937
Trading account gains and fees	$0	165
Additional Noninterest Income	$114,000	5,033
Total noninterest expense	$3,112,000	4,108
Salaries and employee benefits	$1,922,000	3,552
Premises and equipment expense	$255,000	5,199
Additional noninterest expense	$935,000	4,500
Pre-tax net operating income	$1,301,000	2,634
Securities gains (losses)	$1,036,000	397
Applicable income taxes	$335,000	2,042
Income before extraordinary items	$2,002,000	1,655
Extraordinary gains, net	$0	23
Net income	$2,002,000	1,658
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,002,000	1,658
Net charge-offs	$525,000	3,011
Cash dividends	$401,000	2,005
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,111,040	2,574
2010-06-30 (YTD Data)		Rank
Total interest income	$3,536,000	3,995
Total interest expense	$755,000	4,493
Net interest income	$2,781,000	3,728
Provision for loan and lease losses	$207,000	4,169
Total noninterest income	$466,000	3,347
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$378,000	1,979
Trading account gains and fees	$0	152
Additional Noninterest Income	$88,000	4,822
Total noninterest expense	$2,058,000	4,151
Salaries and employee benefits	$1,290,000	3,557
Premises and equipment expense	$163,000	5,334
Additional noninterest expense	$605,000	4,568
Pre-tax net operating income	$982,000	2,413
Securities gains (losses)	$880,000	292
Applicable income taxes	$332,000	1,634
Income before extraordinary items	$1,530,000	1,440
Extraordinary gains, net	$0	19
Net income	$1,530,000	1,440
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,530,000	1,441
Net charge-offs	$10,000	5,823
Cash dividends	$401,000	1,552
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$808,400	2,387
2010-03-31 (YTD Data)		Rank
Total interest income	$1,797,000	4,005
Total interest expense	$386,000	4,568
Net interest income	$1,411,000	3,716
Provision for loan and lease losses	$39,000	5,138
Total noninterest income	$205,000	3,599
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$176,000	2,083
Trading account gains and fees	$0	175
Additional Noninterest Income	$29,000	5,481
Total noninterest expense	$1,024,000	4,213
Salaries and employee benefits	$659,000	3,548
Premises and equipment expense	$82,000	5,391
Additional noninterest expense	$283,000	4,747
Pre-tax net operating income	$553,000	2,234
Securities gains (losses)	$448,000	274
Applicable income taxes	$194,000	1,455
Income before extraordinary items	$807,000	1,358
Extraordinary gains, net	$0	16
Net income	$807,000	1,362
Minority interest net income	$0	91
Net income of bank and minority interests.	$807,000	1,361
Net charge-offs	$6,000	5,069
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$444,120	2,285
2009-12-31 (YTD Data)		Rank
Total interest income	$7,496,000	4,002
Total interest expense	$1,882,000	4,633
Net interest income	$5,614,000	3,642
Provision for loan and lease losses	$270,000	5,431
Total noninterest income	$881,000	3,571
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$794,000	2,056
Trading account gains and fees	$0	211
Additional Noninterest Income	$87,000	5,826
Total noninterest expense	$4,162,000	4,229
Salaries and employee benefits	$2,562,000	3,620
Premises and equipment expense	$352,000	5,313
Additional noninterest expense	$1,248,000	4,633
Pre-tax net operating income	$2,063,000	1,868
Securities gains (losses)	$1,034,000	485
Applicable income taxes	$637,000	1,326
Income before extraordinary items	$2,460,000	1,360
Extraordinary gains, net	$0	34
Net income	$2,460,000	1,358
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,460,000	1,359
Net charge-offs	$114,000	5,576
Cash dividends	$1,362,000	1,293
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,643,140	1,926
2009-09-30 (YTD Data)		Rank
Total interest income	$5,625,000	4,054
Total interest expense	$1,445,000	4,705
Net interest income	$4,180,000	3,680
Provision for loan and lease losses	$226,000	4,982
Total noninterest income	$637,000	3,729
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$577,000	2,108
Trading account gains and fees	$0	212
Additional Noninterest Income	$60,000	6,046
Total noninterest expense	$3,019,000	4,339
Salaries and employee benefits	$1,849,000	3,764
Premises and equipment expense	$254,000	5,425
Additional noninterest expense	$916,000	4,673
Pre-tax net operating income	$1,572,000	1,971
Securities gains (losses)	$830,000	448
Applicable income taxes	$707,000	1,084
Income before extraordinary items	$1,695,000	1,584
Extraordinary gains, net	$0	27
Net income	$1,695,000	1,582
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,695,000	1,584
Net charge-offs	$88,000	5,172
Cash dividends	$401,000	2,251
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,105,700	2,264
2009-06-30 (YTD Data)		Rank
Total interest income	$3,751,000	4,084
Total interest expense	$983,000	4,771
Net interest income	$2,768,000	3,681
Provision for loan and lease losses	$178,000	4,529
Total noninterest income	$406,000	3,812
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$372,000	2,141
Trading account gains and fees	$0	193
Additional Noninterest Income	$34,000	6,268
Total noninterest expense	$2,030,000	4,342
Salaries and employee benefits	$1,236,000	3,801
Premises and equipment expense	$168,000	5,505
Additional noninterest expense	$626,000	4,603
Pre-tax net operating income	$966,000	2,175
Securities gains (losses)	$657,000	405
Applicable income taxes	$473,000	1,128
Income before extraordinary items	$1,150,000	1,619
Extraordinary gains, net	$0	21
Net income	$1,150,000	1,616
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,150,000	1,618
Net charge-offs	$51,000	4,886
Cash dividends	$401,000	1,852
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$683,530	2,462
2009-03-31 (YTD Data)		Rank
Total interest income	$1,892,000	4,104
Total interest expense	$504,000	4,815
Net interest income	$1,388,000	3,665
Provision for loan and lease losses	$107,000	3,774
Total noninterest income	$194,000	3,872
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$185,000	2,097
Trading account gains and fees	$0	171
Additional Noninterest Income	$9,000	6,953
Total noninterest expense	$943,000	4,480
Salaries and employee benefits	$633,000	3,763
Premises and equipment expense	$77,000	5,736
Additional noninterest expense	$233,000	5,147
Pre-tax net operating income	$532,000	2,261
Securities gains (losses)	$222,000	622
Applicable income taxes	$200,000	1,454
Income before extraordinary items	$554,000	1,938
Extraordinary gains, net	$0	15
Net income	$554,000	1,940
Minority interest net income	$0	102
Net income of bank and minority interests.	$554,000	1,940
Net charge-offs	$48,000	3,603
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$391,940	2,470
2008-12-31 (YTD Data)		Rank
Total interest income	$7,977,000	4,144
Total interest expense	$2,619,000	4,620
Net interest income	$5,358,000	3,764
Provision for loan and lease losses	$206,000	5,170
Total noninterest income	$969,000	3,481
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$849,000	2,026
Trading account gains and fees	$0	154
Additional Noninterest Income	$120,000	5,677
Total noninterest expense	$3,748,000	4,435
Salaries and employee benefits	$2,482,000	3,794
Premises and equipment expense	$333,000	5,543
Additional noninterest expense	$933,000	5,043
Pre-tax net operating income	$2,373,000	2,177
Securities gains (losses)	$111,000	1,056
Applicable income taxes	$558,000	1,738
Income before extraordinary items	$1,926,000	2,063
Extraordinary gains, net	$0	39
Net income	$1,926,000	2,065
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,864
Cash dividends	$1,202,000	2,024
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,839,420	2,273
2008-09-30 (YTD Data)		Rank
Total interest income	$6,018,000	4,191
Total interest expense	$2,052,000	4,621
Net interest income	$3,966,000	3,827
Provision for loan and lease losses	$49,000	5,918
Total noninterest income	$718,000	3,591
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$626,000	2,056
Trading account gains and fees	$0	148
Additional Noninterest Income	$92,000	5,760
Total noninterest expense	$2,752,000	4,487
Salaries and employee benefits	$1,809,000	3,910
Premises and equipment expense	$255,000	5,527
Additional noninterest expense	$688,000	5,005
Pre-tax net operating income	$1,883,000	2,400
Securities gains (losses)	$111,000	899
Applicable income taxes	$465,000	1,991
Income before extraordinary items	$1,529,000	2,290
Extraordinary gains, net	$0	31
Net income	$1,529,000	2,288
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	5,222
Cash dividends	$401,000	3,011
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,443,530	2,512
2008-06-30 (YTD Data)		Rank
Total interest income	$3,986,000	4,261
Total interest expense	$1,428,000	4,648
Net interest income	$2,558,000	3,912
Provision for loan and lease losses	$31,000	5,563
Total noninterest income	$469,000	3,658
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$407,000	2,082
Trading account gains and fees	$0	149
Additional Noninterest Income	$62,000	5,823
Total noninterest expense	$1,830,000	4,517
Salaries and employee benefits	$1,195,000	3,968
Premises and equipment expense	$170,000	5,570
Additional noninterest expense	$465,000	4,958
Pre-tax net operating income	$1,166,000	2,636
Securities gains (losses)	$101,000	960
Applicable income taxes	$340,000	2,052
Income before extraordinary items	$927,000	2,740
Extraordinary gains, net	$0	21
Net income	$927,000	2,739
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	4,912
Cash dividends	$401,000	2,545
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$853,270	2,873
2008-03-31 (YTD Data)		Rank
Total interest income	$2,004,000	4,316
Total interest expense	$753,000	4,677
Net interest income	$1,251,000	3,975
Provision for loan and lease losses	$9,000	5,509
Total noninterest income	$227,000	3,729
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$193,000	2,136
Trading account gains and fees	$0	158
Additional Noninterest Income	$34,000	5,717
Total noninterest expense	$901,000	4,560
Salaries and employee benefits	$590,000	4,021
Premises and equipment expense	$82,000	5,672
Additional noninterest expense	$229,000	4,963
Pre-tax net operating income	$568,000	2,820
Securities gains (losses)	$101,000	710
Applicable income taxes	$164,000	2,213
Income before extraordinary items	$505,000	2,667
Extraordinary gains, net	$0	15
Net income	$505,000	2,669
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	4,076
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$429,250	2,950
2007-12-31 (YTD Data)		Rank
Total interest income	$8,168,000	4,306
Total interest expense	$3,194,000	4,614
Net interest income	$4,974,000	4,020
Provision for loan and lease losses	$74,000	5,294
Total noninterest income	$1,054,000	3,442
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$793,000	2,148
Trading account gains and fees	$0	178
Additional Noninterest Income	$261,000	4,496
Total noninterest expense	$3,452,000	4,570
Salaries and employee benefits	$2,259,000	4,002
Premises and equipment expense	$360,000	5,327
Additional noninterest expense	$833,000	5,216
Pre-tax net operating income	$2,502,000	2,826
Securities gains (losses)	$30,000	971
Applicable income taxes	$641,000	2,423
Income before extraordinary items	$1,891,000	2,944
Extraordinary gains, net	$0	39
Net income	$1,891,000	2,943
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,008
Cash dividends	$1,201,000	2,328
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,868,500	2,965
2007-09-30 (YTD Data)		Rank
Total interest income	$6,099,000	4,332
Total interest expense	$2,400,000	4,610
Net interest income	$3,699,000	4,048
Provision for loan and lease losses	$67,000	4,740
Total noninterest income	$800,000	3,390
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$581,000	2,179
Trading account gains and fees	$0	184
Additional Noninterest Income	$219,000	4,315
Total noninterest expense	$2,567,000	4,571
Salaries and employee benefits	$1,636,000	4,097
Premises and equipment expense	$268,000	5,344
Additional noninterest expense	$663,000	4,957
Pre-tax net operating income	$1,865,000	2,984
Securities gains (losses)	$0	1,655
Applicable income taxes	$473,000	2,601
Income before extraordinary items	$1,392,000	3,131
Extraordinary gains, net	$0	33
Net income	$1,392,000	3,130
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	4,542
Cash dividends	$400,000	3,222
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,392,000	3,114
2007-06-30 (YTD Data)		Rank
Total interest income	$4,035,000	4,367
Total interest expense	$1,582,000	4,621
Net interest income	$2,453,000	4,095
Provision for loan and lease losses	$42,000	4,587
Total noninterest income	$556,000	3,327
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$366,000	2,271
Trading account gains and fees	$0	168
Additional Noninterest Income	$190,000	3,872
Total noninterest expense	$1,700,000	4,613
Salaries and employee benefits	$1,075,000	4,182
Premises and equipment expense	$173,000	5,463
Additional noninterest expense	$452,000	4,905
Pre-tax net operating income	$1,267,000	3,002
Securities gains (losses)	$0	1,444
Applicable income taxes	$371,000	2,474
Income before extraordinary items	$896,000	3,255
Extraordinary gains, net	$0	29
Net income	$896,000	3,254
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,315
Cash dividends	$400,000	2,742
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$896,000	3,237
2007-03-31 (YTD Data)		Rank
Total interest income	$1,995,000	4,406
Total interest expense	$783,000	4,630
Net interest income	$1,212,000	4,125
Provision for loan and lease losses	$11,000	4,971
Total noninterest income	$270,000	3,352
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$172,000	2,335
Trading account gains and fees	$0	195
Additional Noninterest Income	$98,000	3,797
Total noninterest expense	$854,000	4,594
Salaries and employee benefits	$539,000	4,200
Premises and equipment expense	$84,000	5,553
Additional noninterest expense	$231,000	4,794
Pre-tax net operating income	$617,000	3,058
Securities gains (losses)	$0	1,187
Applicable income taxes	$179,000	2,548
Income before extraordinary items	$438,000	3,295
Extraordinary gains, net	$0	22
Net income	$438,000	3,295
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,566
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$438,000	3,269
2006-12-31 (YTD Data)		Rank
Total interest income	$7,809,000	4,261
Total interest expense	$2,599,000	4,720
Net interest income	$5,210,000	3,892
Provision for loan and lease losses	$-103,000	8,478
Total noninterest income	$1,383,000	2,855
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$779,000	2,164
Trading account gains and fees	$0	130
Additional Noninterest Income	$604,000	3,004
Total noninterest expense	$3,644,000	4,268
Salaries and employee benefits	$2,214,000	3,962
Premises and equipment expense	$382,000	5,073
Additional noninterest expense	$1,048,000	4,358
Pre-tax net operating income	$3,052,000	2,743
Securities gains (losses)	$-16,000	7,468
Applicable income taxes	$872,000	2,364
Income before extraordinary items	$2,164,000	2,933
Extraordinary gains, net	$0	51
Net income	$2,164,000	2,933
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	4,672
Cash dividends	$1,186,000	2,293
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,175,360	2,911
2006-09-30 (YTD Data)		Rank
Total interest income	$5,755,000	4,288
Total interest expense	$1,841,000	4,784
Net interest income	$3,914,000	3,912
Provision for loan and lease losses	$30,000	5,631
Total noninterest income	$900,000	3,138
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$585,000	2,171
Trading account gains and fees	$0	126
Additional Noninterest Income	$315,000	3,658
Total noninterest expense	$2,647,000	4,353
Salaries and employee benefits	$1,615,000	4,031
Premises and equipment expense	$279,000	5,169
Additional noninterest expense	$753,000	4,482
Pre-tax net operating income	$2,137,000	2,982
Securities gains (losses)	$-16,000	7,758
Applicable income taxes	$602,000	2,592
Income before extraordinary items	$1,519,000	3,182
Extraordinary gains, net	$0	45
Net income	$1,519,000	3,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	4,367
Cash dividends	$385,000	3,330
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,530,520	3,154
2006-06-30 (YTD Data)		Rank
Total interest income	$3,773,000	4,293
Total interest expense	$1,157,000	4,833
Net interest income	$2,616,000	3,922
Provision for loan and lease losses	$24,000	5,394
Total noninterest income	$586,000	3,173
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$381,000	2,190
Trading account gains and fees	$0	126
Additional Noninterest Income	$205,000	3,696
Total noninterest expense	$1,752,000	4,391
Salaries and employee benefits	$1,061,000	4,084
Premises and equipment expense	$184,000	5,197
Additional noninterest expense	$507,000	4,450
Pre-tax net operating income	$1,426,000	2,978
Securities gains (losses)	$-22,000	8,110
Applicable income taxes	$408,000	2,594
Income before extraordinary items	$996,000	3,219
Extraordinary gains, net	$0	39
Net income	$996,000	3,221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,958
Cash dividends	$385,000	2,775
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,011,620	3,174
2006-03-31 (YTD Data)		Rank
Total interest income	$1,846,000	4,307
Total interest expense	$560,000	4,788
Net interest income	$1,286,000	3,969
Provision for loan and lease losses	$0	6,013
Total noninterest income	$299,000	3,101
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$187,000	2,162
Trading account gains and fees	$0	115
Additional Noninterest Income	$112,000	3,511
Total noninterest expense	$889,000	4,358
Salaries and employee benefits	$533,000	4,103
Premises and equipment expense	$88,000	5,343
Additional noninterest expense	$268,000	4,254
Pre-tax net operating income	$696,000	2,987
Securities gains (losses)	$-17,000	8,348
Applicable income taxes	$197,000	2,629
Income before extraordinary items	$482,000	3,261
Extraordinary gains, net	$0	21
Net income	$482,000	3,260
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,654
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$494,070	3,167
2005-12-31 (YTD Data)		Rank
Total interest income	$6,539,000	4,354
Total interest expense	$1,653,000	4,984
Net interest income	$4,886,000	4,020
Provision for loan and lease losses	$-100,000	8,628
Total noninterest income	$1,264,000	3,023
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$751,000	2,220
Trading account gains and fees	$0	138
Additional Noninterest Income	$513,000	3,326
Total noninterest expense	$3,570,000	4,228
Salaries and employee benefits	$2,114,000	3,965
Premises and equipment expense	$398,000	4,872
Additional noninterest expense	$1,058,000	4,225
Pre-tax net operating income	$2,680,000	3,013
Securities gains (losses)	$-6,000	7,363
Applicable income taxes	$772,000	2,663
Income before extraordinary items	$1,902,000	3,223
Extraordinary gains, net	$0	46
Net income	$1,902,000	3,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,675
Cash dividends	$1,330,000	1,995
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,906,260	3,182
2005-09-30 (YTD Data)		Rank
Total interest income	$4,774,000	4,398
Total interest expense	$1,152,000	5,046
Net interest income	$3,622,000	4,053
Provision for loan and lease losses	$-100,000	8,698
Total noninterest income	$945,000	3,028
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$550,000	2,257
Trading account gains and fees	$0	126
Additional Noninterest Income	$395,000	3,301
Total noninterest expense	$2,622,000	4,258
Salaries and employee benefits	$1,546,000	3,993
Premises and equipment expense	$285,000	5,008
Additional noninterest expense	$791,000	4,211
Pre-tax net operating income	$2,045,000	3,005
Securities gains (losses)	$-6,000	7,744
Applicable income taxes	$616,000	2,589
Income before extraordinary items	$1,423,000	3,264
Extraordinary gains, net	$0	35
Net income	$1,423,000	3,265
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	4,785
Cash dividends	$368,000	3,243
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,427,200	3,222
2005-06-30 (YTD Data)		Rank
Total interest income	$3,094,000	4,419
Total interest expense	$712,000	5,096
Net interest income	$2,382,000	4,077
Provision for loan and lease losses	$-100,000	8,731
Total noninterest income	$616,000	3,036
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$352,000	2,297
Trading account gains and fees	$0	116
Additional Noninterest Income	$264,000	3,293
Total noninterest expense	$1,735,000	4,270
Salaries and employee benefits	$1,018,000	4,022
Premises and equipment expense	$184,000	5,099
Additional noninterest expense	$533,000	4,150
Pre-tax net operating income	$1,363,000	2,953
Securities gains (losses)	$-6,000	7,982
Applicable income taxes	$411,000	2,568
Income before extraordinary items	$946,000	3,226
Extraordinary gains, net	$0	30
Net income	$946,000	3,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,385
Cash dividends	$368,000	2,638
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$950,200	3,171
2005-03-31 (YTD Data)		Rank
Total interest income	$1,508,000	4,474
Total interest expense	$329,000	5,231
Net interest income	$1,179,000	4,114
Provision for loan and lease losses	$0	6,226
Total noninterest income	$326,000	2,858
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$169,000	2,318
Trading account gains and fees	$0	115
Additional Noninterest Income	$157,000	2,889
Total noninterest expense	$861,000	4,309
Salaries and employee benefits	$502,000	4,084
Premises and equipment expense	$88,000	5,294
Additional noninterest expense	$271,000	4,113
Pre-tax net operating income	$644,000	3,062
Securities gains (losses)	$0	1,685
Applicable income taxes	$193,000	2,658
Income before extraordinary items	$451,000	3,300
Extraordinary gains, net	$0	24
Net income	$451,000	3,301
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,435
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$451,000	3,261
2004-12-31 (YTD Data)		Rank
Total interest income	$5,833,000	4,344
Total interest expense	$1,197,000	5,129
Net interest income	$4,636,000	4,028
Provision for loan and lease losses	$0	7,314
Total noninterest income	$1,288,000	2,983
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$808,000	2,120
Trading account gains and fees	$0	138
Additional Noninterest Income	$480,000	3,384
Total noninterest expense	$3,508,000	4,171
Salaries and employee benefits	$2,017,000	3,969
Premises and equipment expense	$409,000	4,691
Additional noninterest expense	$1,082,000	4,070
Pre-tax net operating income	$2,416,000	3,085
Securities gains (losses)	$51,000	1,720
Applicable income taxes	$709,000	2,742
Income before extraordinary items	$1,758,000	3,237
Extraordinary gains, net	$0	34
Net income	$1,758,000	3,236
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,405
Cash dividends	$1,097,000	2,174
Sale, conversion, retirement of capital stock, net	$-1,040,000	8,943
Net operating income	$1,721,790	3,207
2004-09-30 (YTD Data)		Rank
Total interest income	$4,334,000	4,358
Total interest expense	$884,000	5,139
Net interest income	$3,450,000	4,053
Provision for loan and lease losses	$0	7,100
Total noninterest income	$973,000	2,985
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$603,000	2,156
Trading account gains and fees	$0	134
Additional Noninterest Income	$370,000	3,337
Total noninterest expense	$2,611,000	4,160
Salaries and employee benefits	$1,476,000	4,002
Premises and equipment expense	$294,000	4,811
Additional noninterest expense	$841,000	3,933
Pre-tax net operating income	$1,812,000	3,127
Securities gains (losses)	$54,000	1,604
Applicable income taxes	$578,000	2,638
Income before extraordinary items	$1,288,000	3,369
Extraordinary gains, net	$0	26
Net income	$1,288,000	3,370
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,805
Cash dividends	$360,000	3,173
Sale, conversion, retirement of capital stock, net	$-1,775,000	9,009
Net operating income	$1,250,740	3,347
2004-06-30 (YTD Data)		Rank
Total interest income	$2,868,000	4,376
Total interest expense	$583,000	5,190
Net interest income	$2,285,000	4,078
Provision for loan and lease losses	$0	6,885
Total noninterest income	$622,000	3,099
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$402,000	2,144
Trading account gains and fees	$0	130
Additional Noninterest Income	$220,000	3,559
Total noninterest expense	$1,749,000	4,167
Salaries and employee benefits	$993,000	4,001
Premises and equipment expense	$199,000	4,771
Additional noninterest expense	$557,000	3,974
Pre-tax net operating income	$1,158,000	3,196
Securities gains (losses)	$11,000	2,367
Applicable income taxes	$357,000	2,767
Income before extraordinary items	$812,000	3,486
Extraordinary gains, net	$0	21
Net income	$812,000	3,486
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	8,107
Cash dividends	$360,000	2,613
Sale, conversion, retirement of capital stock, net	$-1,775,000	9,068
Net operating income	$804,410	3,428
2004-03-31 (YTD Data)		Rank
Total interest income	$1,436,000	4,409
Total interest expense	$295,000	5,218
Net interest income	$1,141,000	4,066
Provision for loan and lease losses	$0	6,501
Total noninterest income	$311,000	3,029
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$199,000	2,094
Trading account gains and fees	$0	121
Additional Noninterest Income	$112,000	3,473
Total noninterest expense	$849,000	4,292
Salaries and employee benefits	$490,000	4,073
Premises and equipment expense	$102,000	4,723
Additional noninterest expense	$257,000	4,226
Pre-tax net operating income	$603,000	3,071
Securities gains (losses)	$13,000	1,918
Applicable income taxes	$191,000	2,647
Income before extraordinary items	$425,000	3,342
Extraordinary gains, net	$0	16
Net income	$425,000	3,341
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	8,228
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$416,030	3,286
2003-12-31 (YTD Data)		Rank
Total interest income	$5,874,000	4,366
Total interest expense	$1,359,000	5,192
Net interest income	$4,515,000	3,987
Provision for loan and lease losses	$0	7,651
Total noninterest income	$1,292,000	3,149
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$819,000	2,085
Trading account gains and fees	$0	160
Additional Noninterest Income	$473,000	3,679
Total noninterest expense	$3,418,000	4,198
Salaries and employee benefits	$1,955,000	3,998
Premises and equipment expense	$410,000	4,655
Additional noninterest expense	$1,053,000	4,105
Pre-tax net operating income	$2,389,000	2,990
Securities gains (losses)	$163,000	1,484
Applicable income taxes	$726,000	2,725
Income before extraordinary items	$1,826,000	3,070
Extraordinary gains, net	$0	54
Net income	$1,826,000	3,069
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$43,000	5,259
Cash dividends	$1,080,000	2,208
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,708,640	3,090
2003-09-30 (YTD Data)		Rank
Total interest income	$4,439,000	4,395
Total interest expense	$1,071,000	5,179
Net interest income	$3,368,000	4,023
Provision for loan and lease losses	$0	7,481
Total noninterest income	$924,000	3,306
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$617,000	2,085
Trading account gains and fees	$0	153
Additional Noninterest Income	$307,000	4,003
Total noninterest expense	$2,508,000	4,260
Salaries and employee benefits	$1,402,000	4,149
Premises and equipment expense	$290,000	4,832
Additional noninterest expense	$816,000	4,010
Pre-tax net operating income	$1,784,000	3,094
Securities gains (losses)	$145,000	1,443
Applicable income taxes	$600,000	2,666
Income before extraordinary items	$1,329,000	3,236
Extraordinary gains, net	$0	40
Net income	$1,329,000	3,235
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	5,146
Cash dividends	$360,000	3,194
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,228,950	3,268
2003-06-30 (YTD Data)		Rank
Total interest income	$3,008,000	4,383
Total interest expense	$752,000	5,123
Net interest income	$2,256,000	4,010
Provision for loan and lease losses	$0	7,324
Total noninterest income	$542,000	3,569
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$403,000	2,083
Trading account gains and fees	$0	150
Additional Noninterest Income	$139,000	4,696
Total noninterest expense	$1,644,000	4,308
Salaries and employee benefits	$936,000	4,128
Premises and equipment expense	$185,000	4,948
Additional noninterest expense	$523,000	4,105
Pre-tax net operating income	$1,154,000	3,177
Securities gains (losses)	$92,000	1,577
Applicable income taxes	$386,000	2,768
Income before extraordinary items	$860,000	3,324
Extraordinary gains, net	$0	30
Net income	$860,000	3,324
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	4,662
Cash dividends	$360,000	2,611
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$796,520	3,326
2003-03-31 (YTD Data)		Rank
Total interest income	$1,513,000	4,397
Total interest expense	$405,000	5,001
Net interest income	$1,108,000	4,080
Provision for loan and lease losses	$0	6,934
Total noninterest income	$262,000	3,532
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$201,000	2,013
Trading account gains and fees	$0	134
Additional Noninterest Income	$61,000	4,883
Total noninterest expense	$793,000	4,394
Salaries and employee benefits	$468,000	4,101
Premises and equipment expense	$92,000	4,977
Additional noninterest expense	$233,000	4,460
Pre-tax net operating income	$577,000	3,168
Securities gains (losses)	$15,000	2,029
Applicable income taxes	$183,000	2,854
Income before extraordinary items	$409,000	3,404
Extraordinary gains, net	$0	21
Net income	$409,000	3,402
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,678
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$398,650	3,301
2002-12-31 (YTD Data)		Rank
Total interest income	$6,458,000	4,319
Total interest expense	$1,984,000	4,816
Net interest income	$4,474,000	4,010
Provision for loan and lease losses	$0	8,089
Total noninterest income	$1,299,000	2,912
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$842,000	1,914
Trading account gains and fees	$0	153
Additional Noninterest Income	$457,000	3,454
Total noninterest expense	$3,319,000	4,129
Salaries and employee benefits	$1,832,000	4,026
Premises and equipment expense	$415,000	4,517
Additional noninterest expense	$1,072,000	3,959
Pre-tax net operating income	$2,454,000	2,919
Securities gains (losses)	$86,000	1,881
Applicable income taxes	$725,000	2,770
Income before extraordinary items	$1,815,000	3,006
Extraordinary gains, net	$0	70
Net income	$1,815,000	3,005
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	8,689
Cash dividends	$1,011,000	2,210
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,753,940	3,003
2001-12-31 (YTD Data)		Rank
Total interest income	$6,965,000	4,454
Total interest expense	$3,046,000	4,670
Net interest income	$3,919,000	4,188
Provision for loan and lease losses	$0	8,228
Total noninterest income	$1,345,000	2,719
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$835,000	1,829
Trading account gains and fees	$0	177
Additional Noninterest Income	$510,000	3,098
Total noninterest expense	$3,193,000	4,128
Salaries and employee benefits	$1,777,000	3,956
Premises and equipment expense	$389,000	4,678
Additional noninterest expense	$1,027,000	3,975
Pre-tax net operating income	$2,071,000	3,104
Securities gains (losses)	$95,000	1,787
Applicable income taxes	$662,000	2,780
Income before extraordinary items	$1,504,000	3,215
Extraordinary gains, net	$0	105
Net income	$1,504,000	3,220
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,648
Cash dividends	$890,000	2,467
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,438,450	3,224
2000-12-31 (YTD Data)		Rank
Total interest income	$7,228,000	4,465
Total interest expense	$3,129,000	4,754
Net interest income	$4,099,000	4,101
Provision for loan and lease losses	$0	8,337
Total noninterest income	$1,029,000	3,064
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$846,000	1,640
Trading account gains and fees	$0	180
Additional Noninterest Income	$183,000	4,983
Total noninterest expense	$3,001,000	4,231
Salaries and employee benefits	$1,657,000	4,035
Premises and equipment expense	$374,000	4,722
Additional noninterest expense	$970,000	4,076
Pre-tax net operating income	$2,127,000	3,165
Securities gains (losses)	$8,000	1,222
Applicable income taxes	$675,000	2,876
Income before extraordinary items	$1,460,000	3,324
Extraordinary gains, net	$0	38
Net income	$1,460,000	3,323
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	5,922
Cash dividends	$839,000	2,583
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,454,560	3,327
1999-12-31 (YTD Data)		Rank
Total interest income	$6,983,000	4,405
Total interest expense	$2,840,000	4,795
Net interest income	$4,143,000	4,048
Provision for loan and lease losses	$0	8,503
Total noninterest income	$1,012,000	3,061
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$843,000	1,562
Trading account gains and fees	NA	NA
Additional Noninterest Income	$169,000	5,316
Total noninterest expense	$3,037,000	4,168
Salaries and employee benefits	$1,638,000	4,042
Premises and equipment expense	$395,000	4,583
Additional noninterest expense	$1,004,000	4,016
Pre-tax net operating income	$2,118,000	3,188
Securities gains (losses)	$3,000	2,393
Applicable income taxes	$668,000	2,995
Income before extraordinary items	$1,453,000	3,312
Extraordinary gains, net	$0	35
Net income	$1,453,000	3,312
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-55,000	9,931
Cash dividends	$770,000	2,727
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,450,930	3,281
1998-12-31 (YTD Data)		Rank
Total interest income	$7,121,000	4,340
Total interest expense	$3,120,000	4,575
Net interest income	$4,001,000	4,115
Provision for loan and lease losses	$0	8,652
Total noninterest income	$1,004,000	3,072
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$779,000	1,635
Trading account gains and fees	NA	NA
Additional Noninterest Income	$225,000	4,672
Total noninterest expense	$2,994,000	4,129
Salaries and employee benefits	$1,607,000	4,025
Premises and equipment expense	$385,000	4,564
Additional noninterest expense	$1,002,000	3,955
Pre-tax net operating income	$2,011,000	3,328
Securities gains (losses)	$19,000	2,467
Applicable income taxes	$666,000	3,142
Income before extraordinary items	$1,364,000	3,524
Extraordinary gains, net	$0	32
Net income	$1,364,000	3,524
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,842
Cash dividends	$685,000	2,890
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,351,270	3,451
1997-12-31 (YTD Data)		Rank
Total interest income	$6,977,000	4,510
Total interest expense	$3,132,000	4,546
Net interest income	$3,845,000	4,385
Provision for loan and lease losses	$0	8,829
Total noninterest income	$989,000	3,062
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$727,000	1,788
Trading account gains and fees	NA	NA
Additional Noninterest Income	$262,000	4,259
Total noninterest expense	$2,949,000	4,150
Salaries and employee benefits	$1,557,000	4,116
Premises and equipment expense	$369,000	4,719
Additional noninterest expense	$1,023,000	3,824
Pre-tax net operating income	$1,885,000	3,724
Securities gains (losses)	$34,000	1,562
Applicable income taxes	$667,000	3,384
Income before extraordinary items	$1,252,000	3,914
Extraordinary gains, net	$0	44
Net income	$1,252,000	3,913
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	3,990
Cash dividends	$630,000	2,973
Sale, conversion, retirement of capital stock, net	$-2,475,000	10,896
Net operating income	$1,229,900	3,901
1996-12-31 (YTD Data)		Rank
Total interest income	$6,684,000	4,762
Total interest expense	$3,068,000	4,685
Net interest income	$3,616,000	4,693
Provision for loan and lease losses	$0	9,041
Total noninterest income	$926,000	3,327
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$657,000	2,053
Trading account gains and fees	NA	NA
Additional Noninterest Income	$269,000	4,342
Total noninterest expense	$2,720,000	4,674
Salaries and employee benefits	$1,511,000	4,276
Premises and equipment expense	$364,000	4,892
Additional noninterest expense	$845,000	4,983
Pre-tax net operating income	$1,822,000	3,675
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$602,000	3,574
Income before extraordinary items	$1,221,000	3,818
Extraordinary gains, net	$0	53
Net income	$1,221,000	3,817
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,441
Cash dividends	$688,000	2,797
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,220,330	3,768
1995-12-31 (YTD Data)		Rank
Total interest income	$6,542,000	4,833
Total interest expense	$2,939,000	4,860
Net interest income	$3,603,000	4,728
Provision for loan and lease losses	$0	8,958
Total noninterest income	$783,000	3,738
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$614,000	2,209
Trading account gains and fees	NA	NA
Additional Noninterest Income	$169,000	5,628
Total noninterest expense	$2,748,000	4,602
Salaries and employee benefits	$1,444,000	4,437
Premises and equipment expense	$340,000	5,132
Additional noninterest expense	$964,000	4,498
Pre-tax net operating income	$1,638,000	4,141
Securities gains (losses)	$-4,000	9,551
Applicable income taxes	$525,000	4,043
Income before extraordinary items	$1,109,000	4,225
Extraordinary gains, net	$0	65
Net income	$1,109,000	4,222
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,295
Cash dividends	$688,000	2,691
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,111,720	4,197
1994-12-31 (YTD Data)		Rank
Total interest income	$5,589,000	5,168
Total interest expense	$2,156,000	5,264
Net interest income	$3,433,000	5,019
Provision for loan and lease losses	$0	9,146
Total noninterest income	$787,000	3,776
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$537,000	2,546
Trading account gains and fees	NA	NA
Additional Noninterest Income	$250,000	4,598
Total noninterest expense	$2,616,000	4,956
Salaries and employee benefits	$1,399,000	4,568
Premises and equipment expense	$282,000	5,977
Additional noninterest expense	$935,000	4,995
Pre-tax net operating income	$1,604,000	4,160
Securities gains (losses)	$53,000	1,120
Applicable income taxes	$525,000	3,914
Income before extraordinary items	$1,132,000	4,074
Extraordinary gains, net	$0	249
Net income	$1,132,000	4,075
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	11,157
Cash dividends	$657,000	2,644
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,095,960	4,245
1993-12-31 (YTD Data)		Rank
Total interest income	$5,354,000	5,459
Total interest expense	$2,053,000	5,706
Net interest income	$3,301,000	5,216
Provision for loan and lease losses	$-150,000	12,974
Total noninterest income	$682,000	4,518
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$509,000	2,735
Trading account gains and fees	NA	NA
Additional Noninterest Income	$173,000	6,106
Total noninterest expense	$2,635,000	5,041
Salaries and employee benefits	$1,384,000	4,607
Premises and equipment expense	$287,000	6,076
Additional noninterest expense	$964,000	5,075
Pre-tax net operating income	$1,498,000	4,328
Securities gains (losses)	$20,000	4,664
Applicable income taxes	$460,000	4,509
Income before extraordinary items	$1,058,000	4,468
Extraordinary gains, net	$51,000	2,158
Net income	$1,109,000	4,419
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	7,509
Cash dividends	$455,000	3,336
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,044,000	4,295
1992-12-31 (YTD Data)		Rank
Total interest income	$6,014,000	5,476
Total interest expense	$2,621,000	5,761
Net interest income	$3,393,000	5,149
Provision for loan and lease losses	$-75,000	13,666
Total noninterest income	$561,000	5,217
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$459,000	3,039
Trading account gains and fees	NA	NA
Additional Noninterest Income	$102,000	7,992
Total noninterest expense	$2,561,000	5,198
Salaries and employee benefits	$1,362,000	4,617
Premises and equipment expense	$281,000	6,265
Additional noninterest expense	$918,000	5,427
Pre-tax net operating income	$1,468,000	4,120
Securities gains (losses)	$151,000	2,405
Applicable income taxes	$521,000	3,860
Income before extraordinary items	$1,098,000	4,139
Extraordinary gains, net	$0	1,422
Net income	$1,098,000	4,182
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$96,000	6,028
Cash dividends	$387,000	3,427
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$995,320	4,205

* 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.