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Dream First Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$34,647,000	1,245
Total interest expense	$10,949,000	1,207
Net interest income	$23,698,000	1,264
Provision for loan and lease losses	$0	3,275
Total noninterest income	$7,456,000	915
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$844,000	1,147
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,612,000	730
Total noninterest expense	$15,373,000	1,493
Salaries and employee benefits	$7,821,000	1,632
Premises and equipment expense	$1,502,000	1,539
Additional noninterest expense	$6,612,000	730
Pre-tax net operating income	$15,781,000	819
Securities gains (losses)	$-417,000	4,145
Applicable income taxes	$3,641,000	663
Income before extraordinary items	$11,723,000	884
Extraordinary gains, net	$0	54
Net income	$11,723,000	897
Minority interest net income	$0	88
Net income of bank and minority interests.	$11,723,000	887
Net charge-offs	$1,193,000	484
Cash dividends	$1,550,000	1,755
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$12,052,430	873
2023-09-30 (YTD Data)		Rank
Total interest income	$24,409,000	1,284
Total interest expense	$7,231,000	1,243
Net interest income	$17,178,000	1,302
Provision for loan and lease losses	$0	3,085
Total noninterest income	$6,273,000	851
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$592,000	1,193
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,681,000	670
Total noninterest expense	$10,249,000	1,633
Salaries and employee benefits	$5,623,000	1,684
Premises and equipment expense	$1,000,000	1,676
Additional noninterest expense	$5,681,000	670
Pre-tax net operating income	$13,202,000	780
Securities gains (losses)	$-81,000	3,950
Applicable income taxes	$3,135,000	632
Income before extraordinary items	$9,986,000	835
Extraordinary gains, net	$0	52
Net income	$9,986,000	839
Minority interest net income	$0	81
Net income of bank and minority interests.	$9,986,000	835
Net charge-offs	$1,064,000	394
Cash dividends	$1,550,000	1,337
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$10,049,990	847
2023-06-30 (YTD Data)		Rank
Total interest income	$14,638,000	1,364
Total interest expense	$3,738,000	1,355
Net interest income	$10,900,000	1,357
Provision for loan and lease losses	$0	2,940
Total noninterest income	$768,000	2,236
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$344,000	1,321
Trading account gains and fees	NA	NA
Additional Noninterest Income	$424,000	2,373
Total noninterest expense	$6,427,000	1,706
Salaries and employee benefits	$3,661,000	1,710
Premises and equipment expense	$599,000	1,803
Additional noninterest expense	$424,000	2,369
Pre-tax net operating income	$5,241,000	1,165
Securities gains (losses)	$-1,000	3,583
Applicable income taxes	$1,247,000	877
Income before extraordinary items	$3,993,000	1,253
Extraordinary gains, net	$0	51
Net income	$3,993,000	1,264
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,993,000	1,253
Net charge-offs	$-122,000	4,479
Cash dividends	$1,000,000	1,361
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$3,993,790	1,267
2023-03-31 (YTD Data)		Rank
Total interest income	$6,869,000	1,414
Total interest expense	$1,377,000	1,521
Net interest income	$5,492,000	1,350
Provision for loan and lease losses	$0	2,612
Total noninterest income	$321,000	2,416
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$165,000	1,373
Trading account gains and fees	NA	NA
Additional Noninterest Income	$156,000	2,708
Total noninterest expense	$3,144,000	1,761
Salaries and employee benefits	$1,825,000	1,737
Premises and equipment expense	$293,000	1,852
Additional noninterest expense	$156,000	2,708
Pre-tax net operating income	$2,669,000	1,173
Securities gains (losses)	$-4,000	3,953
Applicable income taxes	$631,000	897
Income before extraordinary items	$2,034,000	1,260
Extraordinary gains, net	$0	4
Net income	$2,034,000	1,260
Minority interest net income	$0	48
Net income of bank and minority interests.	$2,034,000	1,260
Net charge-offs	$-143,000	4,577
Cash dividends	$450,000	1,311
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$2,037,160	1,285
2022-12-31 (YTD Data)		Rank
Total interest income	$21,329,000	1,493
Total interest expense	$2,319,000	1,448
Net interest income	$19,010,000	1,503
Provision for loan and lease losses	$0	3,012
Total noninterest income	$2,446,000	1,832
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$643,000	1,432
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,803,000	1,720
Total noninterest expense	$12,936,000	1,673
Salaries and employee benefits	$6,787,000	1,793
Premises and equipment expense	$1,210,000	1,801
Additional noninterest expense	$1,803,000	1,720
Pre-tax net operating income	$8,520,000	1,426
Securities gains (losses)	$-196,000	4,099
Applicable income taxes	$1,923,000	1,109
Income before extraordinary items	$6,401,000	1,555
Extraordinary gains, net	$0	5
Net income	$6,401,000	1,552
Minority interest net income	$0	63
Net income of bank and minority interests.	$6,401,000	1,554
Net charge-offs	$-1,071,000	4,662
Cash dividends	$1,800,000	1,599
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$6,555,840	1,555
2022-09-30 (YTD Data)		Rank
Total interest income	$15,215,000	1,495
Total interest expense	$1,333,000	1,434
Net interest income	$13,882,000	1,507
Provision for loan and lease losses	$0	2,835
Total noninterest income	$1,947,000	1,800
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$474,000	1,460
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,473,000	1,669
Total noninterest expense	$9,373,000	1,723
Salaries and employee benefits	$5,012,000	1,801
Premises and equipment expense	$863,000	1,882
Additional noninterest expense	$1,473,000	1,669
Pre-tax net operating income	$6,456,000	1,404
Securities gains (losses)	$-200,000	4,360
Applicable income taxes	$1,425,000	1,111
Income before extraordinary items	$4,831,000	1,531
Extraordinary gains, net	$0	4
Net income	$4,831,000	1,530
Minority interest net income	$0	57
Net income of bank and minority interests.	$4,831,000	1,531
Net charge-offs	$15,000	1,701
Cash dividends	$1,350,000	1,426
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$4,989,000	1,523
2022-06-30 (YTD Data)		Rank
Total interest income	$9,634,000	1,515
Total interest expense	$798,000	1,369
Net interest income	$8,836,000	1,529
Provision for loan and lease losses	$0	2,599
Total noninterest income	$1,462,000	1,669
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$305,000	1,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,157,000	1,536
Total noninterest expense	$6,082,000	1,741
Salaries and employee benefits	$3,344,000	1,796
Premises and equipment expense	$513,000	1,999
Additional noninterest expense	$2,225,000	1,480
Pre-tax net operating income	$4,216,000	1,359
Securities gains (losses)	$-4,000	3,811
Applicable income taxes	$982,000	1,026
Income before extraordinary items	$3,230,000	1,447
Extraordinary gains, net	$0	4
Net income	$3,230,000	1,446
Minority interest net income	$0	60
Net income of bank and minority interests.	$3,230,000	1,447
Net charge-offs	$76,000	812
Cash dividends	$1,350,000	1,133
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$3,233,160	1,484
2022-03-31 (YTD Data)		Rank
Total interest income	$4,597,000	1,531
Total interest expense	$387,000	1,341
Net interest income	$4,210,000	1,543
Provision for loan and lease losses	$0	2,285
Total noninterest income	$569,000	1,922
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$146,000	1,524
Trading account gains and fees	NA	NA
Additional Noninterest Income	$423,000	1,862
Total noninterest expense	$2,905,000	1,795
Salaries and employee benefits	$1,618,000	1,836
Premises and equipment expense	$251,000	2,030
Additional noninterest expense	$1,036,000	1,531
Pre-tax net operating income	$1,874,000	1,411
Securities gains (losses)	$-3,000	4,076
Applicable income taxes	$435,000	1,057
Income before extraordinary items	$1,436,000	1,499
Extraordinary gains, net	$0	4
Net income	$1,436,000	1,498
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,436,000	1,499
Net charge-offs	$68,000	584
Cash dividends	$450,000	1,241
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,438,370	1,514
2021-12-31 (YTD Data)		Rank
Total interest income	$18,916,000	1,547
Total interest expense	$2,276,000	1,185
Net interest income	$16,640,000	1,587
Provision for loan and lease losses	$150,000	1,910
Total noninterest income	$2,690,000	1,922
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$544,000	1,519
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,146,000	1,839
Total noninterest expense	$11,190,000	1,827
Salaries and employee benefits	$5,998,000	1,934
Premises and equipment expense	$1,146,000	1,878
Additional noninterest expense	$4,046,000	1,575
Pre-tax net operating income	$7,990,000	1,489
Securities gains (losses)	$16,000	1,585
Applicable income taxes	$1,589,000	1,269
Income before extraordinary items	$6,417,000	1,594
Extraordinary gains, net	$0	10
Net income	$6,417,000	1,594
Minority interest net income	$0	74
Net income of bank and minority interests.	$6,417,000	1,594
Net charge-offs	$-253,000	4,603
Cash dividends	$1,800,000	1,634
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$6,404,200	1,574
2021-09-30 (YTD Data)		Rank
Total interest income	$14,220,000	1,573
Total interest expense	$1,875,000	1,153
Net interest income	$12,345,000	1,630
Provision for loan and lease losses	$150,000	1,662
Total noninterest income	$2,072,000	1,947
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$401,000	1,522
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,671,000	1,855
Total noninterest expense	$8,251,000	1,856
Salaries and employee benefits	$4,399,000	1,966
Premises and equipment expense	$899,000	1,842
Additional noninterest expense	$2,953,000	1,608
Pre-tax net operating income	$6,016,000	1,547
Securities gains (losses)	$12,000	1,602
Applicable income taxes	$1,129,000	1,374
Income before extraordinary items	$4,899,000	1,638
Extraordinary gains, net	$0	8
Net income	$4,899,000	1,637
Minority interest net income	$0	69
Net income of bank and minority interests.	$4,899,000	1,638
Net charge-offs	$-219,000	4,669
Cash dividends	$1,350,000	1,484
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$4,889,280	1,614
2021-06-30 (YTD Data)		Rank
Total interest income	$9,764,000	1,533
Total interest expense	$1,307,000	1,142
Net interest income	$8,457,000	1,577
Provision for loan and lease losses	$150,000	1,356
Total noninterest income	$1,450,000	1,837
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$256,000	1,515
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,194,000	1,742
Total noninterest expense	$5,357,000	1,885
Salaries and employee benefits	$2,863,000	1,984
Premises and equipment expense	$565,000	1,915
Additional noninterest expense	$1,929,000	1,616
Pre-tax net operating income	$4,400,000	1,433
Securities gains (losses)	$8,000	1,476
Applicable income taxes	$1,035,000	1,122
Income before extraordinary items	$3,373,000	1,579
Extraordinary gains, net	$0	6
Net income	$3,373,000	1,579
Minority interest net income	$0	67
Net income of bank and minority interests.	$3,373,000	1,579
Net charge-offs	$-178,000	4,725
Cash dividends	$450,000	2,052
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$3,366,680	1,546
2021-03-31 (YTD Data)		Rank
Total interest income	$4,993,000	1,511
Total interest expense	$687,000	1,155
Net interest income	$4,306,000	1,552
Provision for loan and lease losses	$150,000	937
Total noninterest income	$748,000	1,806
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$120,000	1,599
Trading account gains and fees	NA	NA
Additional Noninterest Income	$628,000	1,680
Total noninterest expense	$2,594,000	1,911
Salaries and employee benefits	$1,407,000	2,003
Premises and equipment expense	$281,000	1,929
Additional noninterest expense	$906,000	1,656
Pre-tax net operating income	$2,310,000	1,370
Securities gains (losses)	$7,000	1,145
Applicable income taxes	$544,000	1,080
Income before extraordinary items	$1,773,000	1,523
Extraordinary gains, net	$0	3
Net income	$1,773,000	1,523
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,773,000	1,523
Net charge-offs	$-24,000	4,405
Cash dividends	$450,000	1,278
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,767,470	1,495
2020-12-31 (YTD Data)		Rank
Total interest income	$19,922,000	1,509
Total interest expense	$3,474,000	1,316
Net interest income	$16,448,000	1,523
Provision for loan and lease losses	$4,300,000	638
Total noninterest income	$2,285,000	1,980
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$549,000	1,515
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,736,000	1,937
Total noninterest expense	$10,117,000	1,950
Salaries and employee benefits	$5,500,000	2,019
Premises and equipment expense	$1,180,000	1,824
Additional noninterest expense	$3,437,000	1,726
Pre-tax net operating income	$4,316,000	1,972
Securities gains (losses)	$750,000	461
Applicable income taxes	$1,163,000	1,325
Income before extraordinary items	$3,903,000	1,953
Extraordinary gains, net	$0	4
Net income	$3,903,000	1,952
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,903,000	1,953
Net charge-offs	$3,455,000	285
Cash dividends	$1,350,000	1,890
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$3,310,500	2,113
2020-09-30 (YTD Data)		Rank
Total interest income	$15,191,000	1,486
Total interest expense	$2,503,000	1,428
Net interest income	$12,688,000	1,479
Provision for loan and lease losses	$3,800,000	608
Total noninterest income	$1,574,000	2,035
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$414,000	1,505
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,160,000	2,018
Total noninterest expense	$7,363,000	1,964
Salaries and employee benefits	$4,077,000	2,017
Premises and equipment expense	$758,000	2,014
Additional noninterest expense	$2,528,000	1,732
Pre-tax net operating income	$3,099,000	2,006
Securities gains (losses)	$748,000	377
Applicable income taxes	$878,000	1,285
Income before extraordinary items	$2,969,000	1,919
Extraordinary gains, net	$0	4
Net income	$2,969,000	1,918
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,969,000	1,919
Net charge-offs	$2,866,000	262
Cash dividends	$900,000	1,790
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,378,080	2,152
2020-06-30 (YTD Data)		Rank
Total interest income	$10,412,000	1,469
Total interest expense	$1,667,000	1,523
Net interest income	$8,745,000	1,437
Provision for loan and lease losses	$2,400,000	644
Total noninterest income	$942,000	2,077
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$278,000	1,523
Trading account gains and fees	NA	NA
Additional Noninterest Income	$664,000	2,073
Total noninterest expense	$4,853,000	1,975
Salaries and employee benefits	$2,721,000	2,016
Premises and equipment expense	$487,000	2,059
Additional noninterest expense	$1,645,000	1,754
Pre-tax net operating income	$2,434,000	1,737
Securities gains (losses)	$0	2,249
Applicable income taxes	$558,000	1,251
Income before extraordinary items	$1,876,000	1,920
Extraordinary gains, net	$0	4
Net income	$1,876,000	1,921
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,876,000	1,921
Net charge-offs	$2,078,000	246
Cash dividends	$450,000	2,070
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,876,000	1,887
2020-03-31 (YTD Data)		Rank
Total interest income	$4,787,000	1,567
Total interest expense	$879,000	1,575
Net interest income	$3,908,000	1,531
Provision for loan and lease losses	$500,000	883
Total noninterest income	$545,000	1,856
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$159,000	1,571
Trading account gains and fees	NA	NA
Additional Noninterest Income	$386,000	1,774
Total noninterest expense	$2,380,000	2,023
Salaries and employee benefits	$1,364,000	2,022
Premises and equipment expense	$230,000	2,153
Additional noninterest expense	$786,000	1,852
Pre-tax net operating income	$1,573,000	1,275
Securities gains (losses)	$0	1,705
Applicable income taxes	$367,000	933
Income before extraordinary items	$1,206,000	1,426
Extraordinary gains, net	$0	4
Net income	$1,206,000	1,424
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,206,000	1,426
Net charge-offs	$-2,000	3,865
Cash dividends	$450,000	1,368
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,206,000	1,397
2019-12-31 (YTD Data)		Rank
Total interest income	$18,476,000	1,621
Total interest expense	$3,561,000	1,616
Net interest income	$14,915,000	1,600
Provision for loan and lease losses	$1,100,000	853
Total noninterest income	$1,671,000	2,176
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$587,000	1,698
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,084,000	2,159
Total noninterest expense	$9,445,000	2,007
Salaries and employee benefits	$4,911,000	2,129
Premises and equipment expense	$1,002,000	2,030
Additional noninterest expense	$3,532,000	1,659
Pre-tax net operating income	$6,041,000	1,522
Securities gains (losses)	$453,000	386
Applicable income taxes	$1,387,000	1,168
Income before extraordinary items	$5,107,000	1,571
Extraordinary gains, net	$0	11
Net income	$5,107,000	1,574
Minority interest net income	$0	76
Net income of bank and minority interests.	$5,107,000	1,573
Net charge-offs	$892,000	698
Cash dividends	$1,800,000	1,685
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$4,749,130	1,628
2019-09-30 (YTD Data)		Rank
Total interest income	$13,972,000	1,629
Total interest expense	$2,654,000	1,627
Net interest income	$11,318,000	1,606
Provision for loan and lease losses	$900,000	740
Total noninterest income	$1,120,000	2,295
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$412,000	1,795
Trading account gains and fees	NA	NA
Additional Noninterest Income	$708,000	2,312
Total noninterest expense	$6,747,000	2,081
Salaries and employee benefits	$3,569,000	2,189
Premises and equipment expense	$722,000	2,098
Additional noninterest expense	$2,456,000	1,782
Pre-tax net operating income	$4,791,000	1,494
Securities gains (losses)	$440,000	338
Applicable income taxes	$1,197,000	1,096
Income before extraordinary items	$4,034,000	1,540
Extraordinary gains, net	$0	11
Net income	$4,034,000	1,542
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,034,000	1,542
Net charge-offs	$-408,000	5,172
Cash dividends	$1,350,000	1,527
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$3,686,400	1,609
2019-06-30 (YTD Data)		Rank
Total interest income	$9,114,000	1,659
Total interest expense	$1,677,000	1,662
Net interest income	$7,437,000	1,636
Provision for loan and lease losses	$600,000	719
Total noninterest income	$671,000	2,401
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$234,000	1,993
Trading account gains and fees	NA	NA
Additional Noninterest Income	$437,000	2,356
Total noninterest expense	$4,468,000	2,098
Salaries and employee benefits	$2,379,000	2,199
Premises and equipment expense	$448,000	2,215
Additional noninterest expense	$1,641,000	1,793
Pre-tax net operating income	$3,040,000	1,529
Securities gains (losses)	$440,000	243
Applicable income taxes	$787,000	1,070
Income before extraordinary items	$2,693,000	1,508
Extraordinary gains, net	$0	11
Net income	$2,693,000	1,508
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,693,000	1,508
Net charge-offs	$-400,000	5,238
Cash dividends	$900,000	1,530
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,345,400	1,655
2019-03-31 (YTD Data)		Rank
Total interest income	$4,453,000	1,683
Total interest expense	$796,000	1,683
Net interest income	$3,657,000	1,679
Provision for loan and lease losses	$300,000	677
Total noninterest income	$334,000	2,389
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$111,000	2,057
Trading account gains and fees	NA	NA
Additional Noninterest Income	$223,000	2,275
Total noninterest expense	$2,166,000	2,153
Salaries and employee benefits	$1,188,000	2,225
Premises and equipment expense	$224,000	2,238
Additional noninterest expense	$754,000	1,911
Pre-tax net operating income	$1,525,000	1,508
Securities gains (losses)	$0	1,087
Applicable income taxes	$336,000	1,180
Income before extraordinary items	$1,189,000	1,638
Extraordinary gains, net	$0	5
Net income	$1,189,000	1,636
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,189,000	1,637
Net charge-offs	$-1,000	3,818
Cash dividends	$450,000	1,415
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,189,000	1,618
2018-12-31 (YTD Data)		Rank
Total interest income	$17,499,000	1,628
Total interest expense	$2,602,000	1,596
Net interest income	$14,897,000	1,614
Provision for loan and lease losses	$1,200,000	768
Total noninterest income	$1,507,000	2,331
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$435,000	2,194
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,072,000	2,174
Total noninterest expense	$8,814,000	2,093
Salaries and employee benefits	$4,659,000	2,219
Premises and equipment expense	$976,000	2,086
Additional noninterest expense	$3,179,000	1,818
Pre-tax net operating income	$6,390,000	1,443
Securities gains (losses)	$0	1,125
Applicable income taxes	$1,414,000	1,091
Income before extraordinary items	$4,976,000	1,590
Extraordinary gains, net	$0	6
Net income	$4,976,000	1,589
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,976,000	1,589
Net charge-offs	$-45,000	4,861
Cash dividends	$1,800,000	1,549
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,976,000	1,581
2018-09-30 (YTD Data)		Rank
Total interest income	$12,972,000	1,629
Total interest expense	$1,806,000	1,615
Net interest income	$11,166,000	1,609
Provision for loan and lease losses	$900,000	705
Total noninterest income	$1,082,000	2,391
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$310,000	2,263
Trading account gains and fees	NA	NA
Additional Noninterest Income	$772,000	2,227
Total noninterest expense	$6,454,000	2,134
Salaries and employee benefits	$3,523,000	2,196
Premises and equipment expense	$618,000	2,339
Additional noninterest expense	$2,313,000	1,867
Pre-tax net operating income	$4,894,000	1,446
Securities gains (losses)	$0	1,118
Applicable income taxes	$1,085,000	1,096
Income before extraordinary items	$3,809,000	1,583
Extraordinary gains, net	$0	5
Net income	$3,809,000	1,582
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,809,000	1,582
Net charge-offs	$-41,000	4,864
Cash dividends	$1,350,000	1,413
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,809,000	1,569
2018-06-30 (YTD Data)		Rank
Total interest income	$8,293,000	1,676
Total interest expense	$1,093,000	1,661
Net interest income	$7,200,000	1,661
Provision for loan and lease losses	$600,000	688
Total noninterest income	$711,000	2,410
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$185,000	2,418
Trading account gains and fees	NA	NA
Additional Noninterest Income	$526,000	2,219
Total noninterest expense	$4,201,000	2,175
Salaries and employee benefits	$2,326,000	2,225
Premises and equipment expense	$373,000	2,500
Additional noninterest expense	$1,502,000	1,916
Pre-tax net operating income	$3,110,000	1,485
Securities gains (losses)	$0	961
Applicable income taxes	$686,000	1,132
Income before extraordinary items	$2,424,000	1,619
Extraordinary gains, net	$0	6
Net income	$2,424,000	1,618
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,424,000	1,618
Net charge-offs	$-41,000	4,969
Cash dividends	$900,000	1,407
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,424,000	1,606
2018-03-31 (YTD Data)		Rank
Total interest income	$3,960,000	1,724
Total interest expense	$507,000	1,696
Net interest income	$3,453,000	1,725
Provision for loan and lease losses	$300,000	673
Total noninterest income	$327,000	2,495
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$86,000	2,550
Trading account gains and fees	NA	NA
Additional Noninterest Income	$241,000	2,266
Total noninterest expense	$2,022,000	2,266
Salaries and employee benefits	$1,165,000	2,238
Premises and equipment expense	$182,000	2,594
Additional noninterest expense	$675,000	2,095
Pre-tax net operating income	$1,458,000	1,526
Securities gains (losses)	$0	735
Applicable income taxes	$324,000	1,158
Income before extraordinary items	$1,134,000	1,658
Extraordinary gains, net	$0	7
Net income	$1,134,000	1,658
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,134,000	1,658
Net charge-offs	$18,000	1,708
Cash dividends	$450,000	1,277
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,134,000	1,644
2017-12-31 (YTD Data)		Rank
Total interest income	$16,507,000	1,614
Total interest expense	$1,912,000	1,589
Net interest income	$14,595,000	1,608
Provision for loan and lease losses	$1,300,000	730
Total noninterest income	$1,330,000	2,552
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$336,000	2,655
Trading account gains and fees	NA	NA
Additional Noninterest Income	$994,000	2,301
Total noninterest expense	$8,229,000	2,217
Salaries and employee benefits	$4,591,000	2,237
Premises and equipment expense	$716,000	2,617
Additional noninterest expense	$2,922,000	1,977
Pre-tax net operating income	$6,396,000	1,402
Securities gains (losses)	$221,000	372
Applicable income taxes	$2,389,000	1,149
Income before extraordinary items	$4,228,000	1,539
Extraordinary gains, net	$0	9
Net income	$4,228,000	1,539
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,228,000	1,539
Net charge-offs	$103,000	2,393
Cash dividends	$1,700,000	1,591
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$4,086,560	1,570
2017-09-30 (YTD Data)		Rank
Total interest income	$11,996,000	1,657
Total interest expense	$1,371,000	1,627
Net interest income	$10,625,000	1,656
Provision for loan and lease losses	$1,000,000	688
Total noninterest income	$969,000	2,610
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$225,000	2,879
Trading account gains and fees	NA	NA
Additional Noninterest Income	$744,000	2,337
Total noninterest expense	$6,039,000	2,271
Salaries and employee benefits	$3,407,000	2,265
Premises and equipment expense	$540,000	2,634
Additional noninterest expense	$2,092,000	2,046
Pre-tax net operating income	$4,555,000	1,462
Securities gains (losses)	$227,000	343
Applicable income taxes	$1,525,000	1,107
Income before extraordinary items	$3,257,000	1,620
Extraordinary gains, net	$0	9
Net income	$3,257,000	1,620
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,257,000	1,620
Net charge-offs	$14,000	3,140
Cash dividends	$1,275,000	1,466
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,102,640	1,671
2017-06-30 (YTD Data)		Rank
Total interest income	$7,876,000	1,667
Total interest expense	$871,000	1,652
Net interest income	$7,005,000	1,658
Provision for loan and lease losses	$700,000	660
Total noninterest income	$629,000	2,653
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$140,000	2,997
Trading account gains and fees	NA	NA
Additional Noninterest Income	$489,000	2,364
Total noninterest expense	$3,874,000	2,334
Salaries and employee benefits	$2,206,000	2,329
Premises and equipment expense	$343,000	2,727
Additional noninterest expense	$1,325,000	2,133
Pre-tax net operating income	$3,060,000	1,449
Securities gains (losses)	$221,000	274
Applicable income taxes	$1,047,000	1,072
Income before extraordinary items	$2,234,000	1,560
Extraordinary gains, net	$0	11
Net income	$2,234,000	1,559
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,234,000	1,560
Net charge-offs	$12,000	2,827
Cash dividends	$850,000	1,478
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,083,720	1,629
2017-03-31 (YTD Data)		Rank
Total interest income	$3,850,000	1,688
Total interest expense	$425,000	1,667
Net interest income	$3,425,000	1,686
Provision for loan and lease losses	$350,000	594
Total noninterest income	$268,000	2,851
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$68,000	3,042
Trading account gains and fees	NA	NA
Additional Noninterest Income	$200,000	2,576
Total noninterest expense	$1,922,000	2,373
Salaries and employee benefits	$1,100,000	2,357
Premises and equipment expense	$159,000	2,892
Additional noninterest expense	$663,000	2,130
Pre-tax net operating income	$1,421,000	1,492
Securities gains (losses)	$-5,000	5,586
Applicable income taxes	$440,000	1,173
Income before extraordinary items	$976,000	1,703
Extraordinary gains, net	$0	8
Net income	$976,000	1,703
Minority interest net income	$0	55
Net income of bank and minority interests.	$976,000	1,703
Net charge-offs	$1,000	2,795
Cash dividends	$425,000	1,345
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$979,450	1,682
2016-12-31 (YTD Data)		Rank
Total interest income	$14,248,000	1,774
Total interest expense	$1,466,000	1,829
Net interest income	$12,782,000	1,758
Provision for loan and lease losses	$1,105,000	835
Total noninterest income	$1,415,000	2,564
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$269,000	3,135
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,146,000	2,233
Total noninterest expense	$7,248,000	2,491
Salaries and employee benefits	$3,976,000	2,512
Premises and equipment expense	$621,000	2,955
Additional noninterest expense	$2,651,000	2,191
Pre-tax net operating income	$5,844,000	1,425
Securities gains (losses)	$229,000	799
Applicable income taxes	$1,913,000	1,086
Income before extraordinary items	$4,160,000	1,596
Extraordinary gains, net	$0	5
Net income	$4,160,000	1,594
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,160,000	1,595
Net charge-offs	$74,000	2,848
Cash dividends	$850,000	2,394
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$4,004,280	1,620
2016-09-30 (YTD Data)		Rank
Total interest income	$10,407,000	1,827
Total interest expense	$1,072,000	1,871
Net interest income	$9,335,000	1,804
Provision for loan and lease losses	$585,000	1,040
Total noninterest income	$1,073,000	2,547
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$192,000	3,244
Trading account gains and fees	$0	169
Additional Noninterest Income	$881,000	2,192
Total noninterest expense	$5,297,000	2,531
Salaries and employee benefits	$2,937,000	2,528
Premises and equipment expense	$433,000	3,102
Additional noninterest expense	$1,927,000	2,249
Pre-tax net operating income	$4,526,000	1,416
Securities gains (losses)	$209,000	773
Applicable income taxes	$1,504,000	1,075
Income before extraordinary items	$3,231,000	1,578
Extraordinary gains, net	$0	5
Net income	$3,231,000	1,577
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,231,000	1,578
Net charge-offs	$6,000	3,575
Cash dividends	$850,000	1,826
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$3,088,880	1,598
2016-06-30 (YTD Data)		Rank
Total interest income	$6,833,000	1,862
Total interest expense	$685,000	1,939
Net interest income	$6,148,000	1,827
Provision for loan and lease losses	$345,000	1,142
Total noninterest income	$539,000	2,908
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$120,000	3,343
Trading account gains and fees	$0	157
Additional Noninterest Income	$419,000	2,598
Total noninterest expense	$3,455,000	2,587
Salaries and employee benefits	$1,971,000	2,533
Premises and equipment expense	$275,000	3,223
Additional noninterest expense	$1,209,000	2,380
Pre-tax net operating income	$2,887,000	1,439
Securities gains (losses)	$180,000	643
Applicable income taxes	$966,000	1,108
Income before extraordinary items	$2,101,000	1,580
Extraordinary gains, net	$0	16
Net income	$2,101,000	1,581
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,101,000	1,581
Net charge-offs	$6,000	3,264
Cash dividends	$850,000	1,456
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,976,800	1,630
2016-03-31 (YTD Data)		Rank
Total interest income	$3,149,000	1,997
Total interest expense	$323,000	2,022
Net interest income	$2,826,000	1,974
Provision for loan and lease losses	$135,000	1,285
Total noninterest income	$257,000	2,971
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$60,000	3,330
Trading account gains and fees	$0	142
Additional Noninterest Income	$197,000	2,636
Total noninterest expense	$1,690,000	2,635
Salaries and employee benefits	$977,000	2,559
Premises and equipment expense	$135,000	3,290
Additional noninterest expense	$578,000	2,470
Pre-tax net operating income	$1,258,000	1,609
Securities gains (losses)	$0	2,077
Applicable income taxes	$381,000	1,272
Income before extraordinary items	$877,000	1,827
Extraordinary gains, net	$0	12
Net income	$877,000	1,828
Minority interest net income	$0	62
Net income of bank and minority interests.	$877,000	1,828
Net charge-offs	$-1,000	4,102
Cash dividends	$425,000	1,330
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$877,000	1,780
2015-12-31 (YTD Data)		Rank
Total interest income	$11,727,000	2,065
Total interest expense	$1,266,000	2,031
Net interest income	$10,461,000	2,051
Provision for loan and lease losses	$540,000	1,278
Total noninterest income	$1,290,000	2,689
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$260,000	3,287
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,030,000	2,341
Total noninterest expense	$6,744,000	2,626
Salaries and employee benefits	$3,601,000	2,676
Premises and equipment expense	$588,000	3,150
Additional noninterest expense	$2,555,000	2,298
Pre-tax net operating income	$4,467,000	1,723
Securities gains (losses)	$-48,000	6,028
Applicable income taxes	$1,303,000	1,342
Income before extraordinary items	$3,116,000	1,988
Extraordinary gains, net	$0	23
Net income	$3,116,000	1,989
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,116,000	1,990
Net charge-offs	$-101,000	5,724
Cash dividends	$1,700,000	1,499
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$3,150,080	1,926
2015-09-30 (YTD Data)		Rank
Total interest income	$8,816,000	2,082
Total interest expense	$962,000	2,027
Net interest income	$7,854,000	2,067
Provision for loan and lease losses	$405,000	1,219
Total noninterest income	$993,000	2,671
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$185,000	3,396
Trading account gains and fees	$0	153
Additional Noninterest Income	$808,000	2,302
Total noninterest expense	$4,968,000	2,669
Salaries and employee benefits	$2,705,000	2,681
Premises and equipment expense	$422,000	3,283
Additional noninterest expense	$1,841,000	2,378
Pre-tax net operating income	$3,474,000	1,701
Securities gains (losses)	$-31,000	6,106
Applicable income taxes	$1,027,000	1,344
Income before extraordinary items	$2,416,000	1,942
Extraordinary gains, net	$0	21
Net income	$2,416,000	1,944
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,416,000	1,944
Net charge-offs	$1,000	4,077
Cash dividends	$1,275,000	1,354
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,437,700	1,900
2015-06-30 (YTD Data)		Rank
Total interest income	$5,836,000	2,088
Total interest expense	$640,000	2,037
Net interest income	$5,196,000	2,069
Provision for loan and lease losses	$270,000	1,221
Total noninterest income	$686,000	2,649
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$140,000	3,156
Trading account gains and fees	$0	157
Additional Noninterest Income	$546,000	2,318
Total noninterest expense	$3,183,000	2,775
Salaries and employee benefits	$1,741,000	2,775
Premises and equipment expense	$246,000	3,587
Additional noninterest expense	$1,196,000	2,436
Pre-tax net operating income	$2,429,000	1,616
Securities gains (losses)	$-15,000	6,151
Applicable income taxes	$736,000	1,296
Income before extraordinary items	$1,678,000	1,871
Extraordinary gains, net	$0	22
Net income	$1,678,000	1,874
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,678,000	1,874
Net charge-offs	$1,000	3,770
Cash dividends	$850,000	1,395
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,688,500	1,822
2015-03-31 (YTD Data)		Rank
Total interest income	$2,830,000	2,137
Total interest expense	$314,000	2,091
Net interest income	$2,516,000	2,119
Provision for loan and lease losses	$135,000	1,198
Total noninterest income	$305,000	2,781
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$66,000	3,229
Trading account gains and fees	$0	152
Additional Noninterest Income	$239,000	2,414
Total noninterest expense	$1,584,000	2,789
Salaries and employee benefits	$858,000	2,822
Premises and equipment expense	$118,000	3,697
Additional noninterest expense	$608,000	2,393
Pre-tax net operating income	$1,102,000	1,706
Securities gains (losses)	$-15,000	6,277
Applicable income taxes	$319,000	1,385
Income before extraordinary items	$768,000	1,983
Extraordinary gains, net	$0	13
Net income	$768,000	1,986
Minority interest net income	$0	64
Net income of bank and minority interests.	$768,000	1,985
Net charge-offs	$-1,000	4,352
Cash dividends	$425,000	1,248
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$778,650	1,910
2014-12-31 (YTD Data)		Rank
Total interest income	$10,437,000	2,309
Total interest expense	$1,104,000	2,418
Net interest income	$9,333,000	2,278
Provision for loan and lease losses	$570,000	1,341
Total noninterest income	$1,293,000	2,717
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$254,000	3,510
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,039,000	2,280
Total noninterest expense	$6,516,000	2,755
Salaries and employee benefits	$3,465,000	2,775
Premises and equipment expense	$525,000	3,517
Additional noninterest expense	$2,526,000	2,389
Pre-tax net operating income	$3,540,000	2,011
Securities gains (losses)	$7,000	2,776
Applicable income taxes	$998,000	1,536
Income before extraordinary items	$2,549,000	2,268
Extraordinary gains, net	$0	17
Net income	$2,549,000	2,268
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,549,000	2,268
Net charge-offs	$6,000	4,705
Cash dividends	$1,300,000	1,706
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,543,960	2,226
2014-09-30 (YTD Data)		Rank
Total interest income	$7,618,000	2,379
Total interest expense	$797,000	2,526
Net interest income	$6,821,000	2,338
Provision for loan and lease losses	$405,000	1,359
Total noninterest income	$960,000	2,757
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$188,000	3,580
Trading account gains and fees	$0	174
Additional Noninterest Income	$772,000	2,308
Total noninterest expense	$4,709,000	2,836
Salaries and employee benefits	$2,524,000	2,850
Premises and equipment expense	$378,000	3,665
Additional noninterest expense	$1,807,000	2,498
Pre-tax net operating income	$2,667,000	2,041
Securities gains (losses)	$-50,000	6,360
Applicable income taxes	$735,000	1,601
Income before extraordinary items	$1,882,000	2,325
Extraordinary gains, net	$0	15
Net income	$1,882,000	2,326
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,882,000	2,325
Net charge-offs	$3,000	4,462
Cash dividends	$975,000	1,562
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,918,000	2,238
2014-06-30 (YTD Data)		Rank
Total interest income	$4,990,000	2,408
Total interest expense	$512,000	2,592
Net interest income	$4,478,000	2,366
Provision for loan and lease losses	$270,000	1,390
Total noninterest income	$591,000	2,858
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$117,000	3,671
Trading account gains and fees	$0	172
Additional Noninterest Income	$474,000	2,375
Total noninterest expense	$3,139,000	2,852
Salaries and employee benefits	$1,683,000	2,868
Premises and equipment expense	$255,000	3,671
Additional noninterest expense	$1,201,000	2,487
Pre-tax net operating income	$1,660,000	2,103
Securities gains (losses)	$-47,000	6,480
Applicable income taxes	$454,000	1,633
Income before extraordinary items	$1,159,000	2,396
Extraordinary gains, net	$0	20
Net income	$1,159,000	2,399
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,159,000	2,399
Net charge-offs	$3,000	4,063
Cash dividends	$650,000	1,549
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,192,840	2,305
2014-03-31 (YTD Data)		Rank
Total interest income	$2,376,000	2,532
Total interest expense	$264,000	2,566
Net interest income	$2,112,000	2,502
Provision for loan and lease losses	$135,000	1,369
Total noninterest income	$263,000	2,984
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$55,000	3,769
Trading account gains and fees	$0	147
Additional Noninterest Income	$208,000	2,499
Total noninterest expense	$1,532,000	2,931
Salaries and employee benefits	$832,000	2,909
Premises and equipment expense	$120,000	3,836
Additional noninterest expense	$580,000	2,561
Pre-tax net operating income	$708,000	2,301
Securities gains (losses)	$-52,000	6,595
Applicable income taxes	$132,000	2,116
Income before extraordinary items	$524,000	2,486
Extraordinary gains, net	$0	16
Net income	$524,000	2,489
Minority interest net income	$0	66
Net income of bank and minority interests.	$524,000	2,489
Net charge-offs	$6,000	3,056
Cash dividends	$325,000	1,373
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$565,600	2,327
2013-12-31 (YTD Data)		Rank
Total interest income	$9,479,000	2,547
Total interest expense	$1,104,000	2,736
Net interest income	$8,375,000	2,492
Provision for loan and lease losses	$870,000	1,242
Total noninterest income	$1,760,000	2,334
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$446,000	2,600
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,314,000	2,010
Total noninterest expense	$6,036,000	2,979
Salaries and employee benefits	$3,310,000	2,912
Premises and equipment expense	$504,000	3,716
Additional noninterest expense	$2,222,000	2,745
Pre-tax net operating income	$3,229,000	2,052
Securities gains (losses)	$-81,000	6,522
Applicable income taxes	$917,000	1,548
Income before extraordinary items	$2,231,000	2,395
Extraordinary gains, net	$0	29
Net income	$2,231,000	2,399
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,231,000	2,398
Net charge-offs	$36,000	4,570
Cash dividends	$975,000	1,971
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,288,510	2,300
2013-09-30 (YTD Data)		Rank
Total interest income	$7,062,000	2,584
Total interest expense	$831,000	2,812
Net interest income	$6,231,000	2,522
Provision for loan and lease losses	$735,000	1,141
Total noninterest income	$1,472,000	2,239
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$332,000	2,637
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,140,000	1,882
Total noninterest expense	$4,455,000	3,012
Salaries and employee benefits	$2,474,000	2,932
Premises and equipment expense	$342,000	3,987
Additional noninterest expense	$1,639,000	2,776
Pre-tax net operating income	$2,513,000	2,047
Securities gains (losses)	$-12,000	6,525
Applicable income taxes	$746,000	1,518
Income before extraordinary items	$1,755,000	2,353
Extraordinary gains, net	$0	25
Net income	$1,755,000	2,358
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,755,000	2,358
Net charge-offs	$36,000	4,083
Cash dividends	$650,000	1,847
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,763,400	2,280
2013-06-30 (YTD Data)		Rank
Total interest income	$4,688,000	2,589
Total interest expense	$557,000	2,861
Net interest income	$4,131,000	2,532
Provision for loan and lease losses	$570,000	1,058
Total noninterest income	$1,111,000	2,081
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$220,000	2,611
Trading account gains and fees	$0	157
Additional Noninterest Income	$891,000	1,725
Total noninterest expense	$2,951,000	3,036
Salaries and employee benefits	$1,646,000	2,958
Premises and equipment expense	$219,000	4,092
Additional noninterest expense	$1,086,000	2,772
Pre-tax net operating income	$1,721,000	1,965
Securities gains (losses)	$10,000	2,282
Applicable income taxes	$521,000	1,473
Income before extraordinary items	$1,210,000	2,284
Extraordinary gains, net	$0	22
Net income	$1,210,000	2,293
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,210,000	2,291
Net charge-offs	$-1,000	5,537
Cash dividends	$325,000	2,116
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,203,000	2,205
2013-03-31 (YTD Data)		Rank
Total interest income	$2,312,000	2,634
Total interest expense	$288,000	2,868
Net interest income	$2,024,000	2,590
Provision for loan and lease losses	$320,000	948
Total noninterest income	$587,000	1,988
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$106,000	2,675
Trading account gains and fees	$0	148
Additional Noninterest Income	$481,000	1,622
Total noninterest expense	$1,437,000	3,113
Salaries and employee benefits	$803,000	3,044
Premises and equipment expense	$107,000	4,164
Additional noninterest expense	$527,000	2,861
Pre-tax net operating income	$854,000	1,944
Securities gains (losses)	$10,000	1,481
Applicable income taxes	$263,000	1,468
Income before extraordinary items	$601,000	2,263
Extraordinary gains, net	$0	10
Net income	$601,000	2,265
Minority interest net income	$0	76
Net income of bank and minority interests.	$601,000	2,265
Net charge-offs	$-1,000	5,189
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$594,000	2,188
2012-12-31 (YTD Data)		Rank
Total interest income	$9,678,000	2,646
Total interest expense	$1,250,000	3,114
Net interest income	$8,428,000	2,549
Provision for loan and lease losses	$190,000	3,988
Total noninterest income	$1,124,000	3,063
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$445,000	2,721
Trading account gains and fees	$0	166
Additional Noninterest Income	$679,000	2,939
Total noninterest expense	$6,034,000	3,019
Salaries and employee benefits	$3,259,000	2,954
Premises and equipment expense	$515,000	3,750
Additional noninterest expense	$2,260,000	2,804
Pre-tax net operating income	$3,328,000	1,911
Securities gains (losses)	$83,000	2,408
Applicable income taxes	$999,000	1,476
Income before extraordinary items	$2,412,000	2,248
Extraordinary gains, net	$0	29
Net income	$2,412,000	2,246
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,412,000	2,249
Net charge-offs	$-13,000	6,656
Cash dividends	$747,000	2,316
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,353,070	2,163
2012-09-30 (YTD Data)		Rank
Total interest income	$7,269,000	2,691
Total interest expense	$951,000	3,189
Net interest income	$6,318,000	2,583
Provision for loan and lease losses	$150,000	3,869
Total noninterest income	$820,000	3,118
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$336,000	2,738
Trading account gains and fees	$0	157
Additional Noninterest Income	$484,000	2,999
Total noninterest expense	$4,531,000	3,027
Salaries and employee benefits	$2,471,000	2,941
Premises and equipment expense	$384,000	3,807
Additional noninterest expense	$1,676,000	2,846
Pre-tax net operating income	$2,457,000	2,009
Securities gains (losses)	$-38,000	6,948
Applicable income taxes	$715,000	1,554
Income before extraordinary items	$1,704,000	2,421
Extraordinary gains, net	$0	20
Net income	$1,704,000	2,422
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,704,000	2,422
Net charge-offs	$-11,000	6,627
Cash dividends	$416,000	2,234
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,730,600	2,249
2012-06-30 (YTD Data)		Rank
Total interest income	$4,789,000	2,752
Total interest expense	$645,000	3,251
Net interest income	$4,144,000	2,627
Provision for loan and lease losses	$70,000	4,240
Total noninterest income	$520,000	3,172
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$224,000	2,719
Trading account gains and fees	$0	153
Additional Noninterest Income	$296,000	3,086
Total noninterest expense	$3,014,000	3,046
Salaries and employee benefits	$1,654,000	2,946
Premises and equipment expense	$253,000	3,835
Additional noninterest expense	$1,107,000	2,872
Pre-tax net operating income	$1,580,000	2,054
Securities gains (losses)	$-43,000	7,039
Applicable income taxes	$448,000	1,598
Income before extraordinary items	$1,089,000	2,454
Extraordinary gains, net	$0	19
Net income	$1,089,000	2,454
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,089,000	2,454
Net charge-offs	$-4,000	6,440
Cash dividends	$200,000	2,506
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,119,530	2,264
2012-03-31 (YTD Data)		Rank
Total interest income	$2,306,000	2,884
Total interest expense	$333,000	3,277
Net interest income	$1,973,000	2,757
Provision for loan and lease losses	$10,000	4,833
Total noninterest income	$239,000	3,317
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$113,000	2,677
Trading account gains and fees	$0	148
Additional Noninterest Income	$126,000	3,334
Total noninterest expense	$1,470,000	3,109
Salaries and employee benefits	$819,000	2,980
Premises and equipment expense	$122,000	3,950
Additional noninterest expense	$529,000	2,958
Pre-tax net operating income	$732,000	2,185
Securities gains (losses)	$-44,000	7,159
Applicable income taxes	$198,000	1,740
Income before extraordinary items	$490,000	2,661
Extraordinary gains, net	$0	19
Net income	$490,000	2,663
Minority interest net income	$0	78
Net income of bank and minority interests.	$490,000	2,664
Net charge-offs	$-1,000	5,761
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$521,240	2,391
2011-12-31 (YTD Data)		Rank
Total interest income	$9,286,000	2,956
Total interest expense	$1,645,000	3,199
Net interest income	$7,641,000	2,851
Provision for loan and lease losses	$150,000	4,935
Total noninterest income	$882,000	3,341
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$423,000	2,914
Trading account gains and fees	$0	146
Additional Noninterest Income	$459,000	3,236
Total noninterest expense	$5,776,000	3,144
Salaries and employee benefits	$3,093,000	3,041
Premises and equipment expense	$546,000	3,816
Additional noninterest expense	$2,137,000	2,947
Pre-tax net operating income	$2,597,000	2,072
Securities gains (losses)	$1,000	3,733
Applicable income taxes	$686,000	1,697
Income before extraordinary items	$1,912,000	2,343
Extraordinary gains, net	$0	29
Net income	$1,912,000	2,343
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,912,000	2,344
Net charge-offs	$-61,000	7,206
Cash dividends	$400,000	2,654
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,911,260	2,263
2011-09-30 (YTD Data)		Rank
Total interest income	$6,925,000	3,003
Total interest expense	$1,269,000	3,256
Net interest income	$5,656,000	2,894
Provision for loan and lease losses	$130,000	4,688
Total noninterest income	$755,000	3,108
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$317,000	2,922
Trading account gains and fees	$0	145
Additional Noninterest Income	$438,000	2,895
Total noninterest expense	$4,404,000	3,109
Salaries and employee benefits	$2,351,000	3,016
Premises and equipment expense	$410,000	3,850
Additional noninterest expense	$1,643,000	2,896
Pre-tax net operating income	$1,877,000	2,191
Securities gains (losses)	$47,000	2,372
Applicable income taxes	$509,000	1,723
Income before extraordinary items	$1,415,000	2,437
Extraordinary gains, net	$0	21
Net income	$1,415,000	2,439
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,415,000	2,439
Net charge-offs	$-114,000	7,325
Cash dividends	$200,000	2,677
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,380,220	2,375
2011-06-30 (YTD Data)		Rank
Total interest income	$4,540,000	3,059
Total interest expense	$865,000	3,298
Net interest income	$3,675,000	2,955
Provision for loan and lease losses	$100,000	4,367
Total noninterest income	$481,000	3,190
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$209,000	2,922
Trading account gains and fees	$0	153
Additional Noninterest Income	$272,000	3,025
Total noninterest expense	$2,917,000	3,168
Salaries and employee benefits	$1,567,000	3,028
Premises and equipment expense	$270,000	3,911
Additional noninterest expense	$1,080,000	2,999
Pre-tax net operating income	$1,139,000	2,323
Securities gains (losses)	$32,000	1,856
Applicable income taxes	$300,000	1,797
Income before extraordinary items	$871,000	2,527
Extraordinary gains, net	$0	15
Net income	$871,000	2,527
Minority interest net income	$0	89
Net income of bank and minority interests.	$871,000	2,527
Net charge-offs	$-35,000	7,265
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$847,320	2,498
2011-03-31 (YTD Data)		Rank
Total interest income	$2,241,000	3,108
Total interest expense	$461,000	3,249
Net interest income	$1,780,000	3,023
Provision for loan and lease losses	$60,000	3,936
Total noninterest income	$241,000	3,221
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$72,000	3,641
Trading account gains and fees	$0	158
Additional Noninterest Income	$169,000	2,717
Total noninterest expense	$1,427,000	3,231
Salaries and employee benefits	$768,000	3,101
Premises and equipment expense	$134,000	3,992
Additional noninterest expense	$525,000	3,057
Pre-tax net operating income	$534,000	2,444
Securities gains (losses)	$26,000	999
Applicable income taxes	$142,000	1,845
Income before extraordinary items	$418,000	2,570
Extraordinary gains, net	$0	9
Net income	$418,000	2,569
Minority interest net income	$0	86
Net income of bank and minority interests.	$418,000	2,570
Net charge-offs	$0	5,107
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$398,500	2,615
2010-12-31 (YTD Data)		Rank
Total interest income	$9,412,000	3,102
Total interest expense	$3,048,000	2,581
Net interest income	$6,364,000	3,326
Provision for loan and lease losses	$1,380,000	2,578
Total noninterest income	$588,000	4,276
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$356,000	3,305
Trading account gains and fees	$0	175
Additional Noninterest Income	$232,000	4,365
Total noninterest expense	$5,755,000	3,213
Salaries and employee benefits	$3,122,000	3,003
Premises and equipment expense	$596,000	3,739
Additional noninterest expense	$2,037,000	3,204
Pre-tax net operating income	$-183,000	6,011
Securities gains (losses)	$-6,272,000	7,626
Applicable income taxes	$-2,583,000	7,500
Income before extraordinary items	$-3,872,000	7,089
Extraordinary gains, net	$0	29
Net income	$-3,872,000	7,089
Minority interest net income	$0	111
Net income of bank and minority interests.	$-3,872,000	7,090
Net charge-offs	$2,187,000	1,764
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$142,080	5,349
2010-09-30 (YTD Data)		Rank
Total interest income	$7,208,000	3,111
Total interest expense	$2,412,000	2,552
Net interest income	$4,796,000	3,354
Provision for loan and lease losses	$1,330,000	2,147
Total noninterest income	$223,000	5,503
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$266,000	3,383
Trading account gains and fees	$0	165
Additional Noninterest Income	$-43,000	7,308
Total noninterest expense	$4,334,000	3,205
Salaries and employee benefits	$2,364,000	3,004
Premises and equipment expense	$442,000	3,820
Additional noninterest expense	$1,528,000	3,170
Pre-tax net operating income	$-645,000	6,623
Securities gains (losses)	$-6,249,000	7,732
Applicable income taxes	$-2,692,000	7,635
Income before extraordinary items	$-4,202,000	7,373
Extraordinary gains, net	$0	23
Net income	$-4,202,000	7,374
Minority interest net income	$0	110
Net income of bank and minority interests.	$-4,202,000	7,374
Net charge-offs	$2,187,000	1,424
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-202,640	6,352
2010-06-30 (YTD Data)		Rank
Total interest income	$4,917,000	3,087
Total interest expense	$1,679,000	2,545
Net interest income	$3,238,000	3,323
Provision for loan and lease losses	$430,000	3,089
Total noninterest income	$352,000	3,913
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$176,000	3,405
Trading account gains and fees	$0	152
Additional Noninterest Income	$176,000	3,717
Total noninterest expense	$2,888,000	3,208
Salaries and employee benefits	$1,586,000	2,990
Premises and equipment expense	$293,000	3,865
Additional noninterest expense	$1,009,000	3,184
Pre-tax net operating income	$272,000	4,541
Securities gains (losses)	$-4,151,000	7,800
Applicable income taxes	$-1,532,000	7,666
Income before extraordinary items	$-2,347,000	7,383
Extraordinary gains, net	$0	19
Net income	$-2,347,000	7,382
Minority interest net income	$0	105
Net income of bank and minority interests.	$-2,347,000	7,383
Net charge-offs	$1,303,000	1,493
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$309,640	4,115
2010-03-31 (YTD Data)		Rank
Total interest income	$2,479,000	3,127
Total interest expense	$887,000	2,528
Net interest income	$1,592,000	3,395
Provision for loan and lease losses	$130,000	3,611
Total noninterest income	$218,000	3,471
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$73,000	3,752
Trading account gains and fees	$0	175
Additional Noninterest Income	$145,000	2,901
Total noninterest expense	$1,350,000	3,432
Salaries and employee benefits	$794,000	3,037
Premises and equipment expense	$147,000	3,937
Additional noninterest expense	$409,000	3,743
Pre-tax net operating income	$330,000	3,203
Securities gains (losses)	$-2,423,000	7,900
Applicable income taxes	$-806,000	7,765
Income before extraordinary items	$-1,287,000	7,536
Extraordinary gains, net	$0	16
Net income	$-1,287,000	7,536
Minority interest net income	$0	91
Net income of bank and minority interests.	$-1,287,000	7,537
Net charge-offs	$606,000	1,448
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$263,720	3,267
2009-12-31 (YTD Data)		Rank
Total interest income	$11,153,000	2,933
Total interest expense	$4,288,000	2,579
Net interest income	$6,865,000	3,098
Provision for loan and lease losses	$2,675,000	2,105
Total noninterest income	$882,000	3,569
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$363,000	3,512
Trading account gains and fees	$0	211
Additional Noninterest Income	$519,000	3,146
Total noninterest expense	$5,662,000	3,322
Salaries and employee benefits	$3,096,000	3,078
Premises and equipment expense	$716,000	3,393
Additional noninterest expense	$1,850,000	3,534
Pre-tax net operating income	$-590,000	6,045
Securities gains (losses)	$-2,801,000	7,843
Applicable income taxes	$-1,456,000	7,415
Income before extraordinary items	$-1,935,000	6,730
Extraordinary gains, net	$0	34
Net income	$-1,935,000	6,728
Minority interest net income	$0	115
Net income of bank and minority interests.	$-1,935,000	6,728
Net charge-offs	$2,641,000	1,736
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-142,360	5,738
2009-09-30 (YTD Data)		Rank
Total interest income	$8,668,000	2,894
Total interest expense	$3,262,000	2,663
Net interest income	$5,406,000	2,981
Provision for loan and lease losses	$1,575,000	2,157
Total noninterest income	$535,000	4,099
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$269,000	3,544
Trading account gains and fees	$0	212
Additional Noninterest Income	$266,000	3,800
Total noninterest expense	$4,306,000	3,296
Salaries and employee benefits	$2,319,000	3,115
Premises and equipment expense	$544,000	3,413
Additional noninterest expense	$1,443,000	3,382
Pre-tax net operating income	$60,000	5,444
Securities gains (losses)	$-988,000	7,863
Applicable income taxes	$-496,000	7,341
Income before extraordinary items	$-432,000	6,364
Extraordinary gains, net	$0	27
Net income	$-432,000	6,365
Minority interest net income	$0	118
Net income of bank and minority interests.	$-432,000	6,364
Net charge-offs	$1,824,000	1,585
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$200,320	4,785
2009-06-30 (YTD Data)		Rank
Total interest income	$5,742,000	2,936
Total interest expense	$2,258,000	2,683
Net interest income	$3,484,000	3,056
Provision for loan and lease losses	$1,175,000	1,888
Total noninterest income	$291,000	4,487
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$176,000	3,563
Trading account gains and fees	$0	193
Additional Noninterest Income	$115,000	4,558
Total noninterest expense	$2,868,000	3,342
Salaries and employee benefits	$1,544,000	3,160
Premises and equipment expense	$359,000	3,465
Additional noninterest expense	$965,000	3,373
Pre-tax net operating income	$-268,000	6,386
Securities gains (losses)	$-668,000	7,955
Applicable income taxes	$-452,000	7,551
Income before extraordinary items	$-484,000	6,755
Extraordinary gains, net	$0	21
Net income	$-484,000	6,756
Minority interest net income	$0	112
Net income of bank and minority interests.	$-484,000	6,756
Net charge-offs	$691,000	1,990
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-56,480	6,038
2009-03-31 (YTD Data)		Rank
Total interest income	$2,792,000	3,044
Total interest expense	$1,168,000	2,689
Net interest income	$1,624,000	3,222
Provision for loan and lease losses	$325,000	2,204
Total noninterest income	$251,000	3,369
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$88,000	3,501
Trading account gains and fees	$0	171
Additional Noninterest Income	$163,000	2,831
Total noninterest expense	$1,411,000	3,301
Salaries and employee benefits	$756,000	3,251
Premises and equipment expense	$181,000	3,488
Additional noninterest expense	$474,000	3,142
Pre-tax net operating income	$139,000	4,619
Securities gains (losses)	$26,000	1,571
Applicable income taxes	$7,000	4,167
Income before extraordinary items	$158,000	4,260
Extraordinary gains, net	$0	15
Net income	$158,000	4,263
Minority interest net income	$0	102
Net income of bank and minority interests.	$158,000	4,263
Net charge-offs	$-1,000	7,151
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$133,040	4,379
2008-12-31 (YTD Data)		Rank
Total interest income	$12,958,000	2,840
Total interest expense	$5,854,000	2,569
Net interest income	$7,104,000	3,011
Provision for loan and lease losses	$695,000	3,265
Total noninterest income	$813,000	3,841
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$357,000	3,678
Trading account gains and fees	$0	154
Additional Noninterest Income	$456,000	3,350
Total noninterest expense	$4,923,000	3,610
Salaries and employee benefits	$2,783,000	3,462
Premises and equipment expense	$669,000	3,621
Additional noninterest expense	$1,471,000	3,672
Pre-tax net operating income	$2,299,000	2,233
Securities gains (losses)	$-6,000	6,975
Applicable income taxes	$677,000	1,557
Income before extraordinary items	$1,616,000	2,386
Extraordinary gains, net	$0	39
Net income	$1,616,000	2,385
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,900
Cash dividends	$800,000	2,638
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,620,200	2,512
2008-09-30 (YTD Data)		Rank
Total interest income	$9,770,000	2,870
Total interest expense	$4,542,000	2,591
Net interest income	$5,228,000	3,079
Provision for loan and lease losses	$160,000	4,545
Total noninterest income	$589,000	3,996
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$315,000	3,389
Trading account gains and fees	$0	148
Additional Noninterest Income	$274,000	3,848
Total noninterest expense	$3,694,000	3,602
Salaries and employee benefits	$2,243,000	3,299
Premises and equipment expense	$435,000	4,037
Additional noninterest expense	$1,016,000	3,818
Pre-tax net operating income	$1,963,000	2,338
Securities gains (losses)	$0	3,106
Applicable income taxes	$611,000	1,661
Income before extraordinary items	$1,352,000	2,527
Extraordinary gains, net	$0	31
Net income	$1,352,000	2,525
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	4,962
Cash dividends	$600,000	2,477
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,352,000	2,652
2008-06-30 (YTD Data)		Rank
Total interest income	$6,504,000	2,923
Total interest expense	$3,072,000	2,656
Net interest income	$3,432,000	3,116
Provision for loan and lease losses	$160,000	3,502
Total noninterest income	$329,000	4,431
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$200,000	3,485
Trading account gains and fees	$0	149
Additional Noninterest Income	$129,000	4,569
Total noninterest expense	$2,322,000	3,795
Salaries and employee benefits	$1,431,000	3,463
Premises and equipment expense	$261,000	4,392
Additional noninterest expense	$630,000	4,028
Pre-tax net operating income	$1,279,000	2,486
Securities gains (losses)	$0	3,233
Applicable income taxes	$400,000	1,866
Income before extraordinary items	$879,000	2,855
Extraordinary gains, net	$0	21
Net income	$879,000	2,855
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	5,448
Cash dividends	$400,000	2,547
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$879,000	2,795
2008-03-31 (YTD Data)		Rank
Total interest income	$3,167,000	3,069
Total interest expense	$1,545,000	2,803
Net interest income	$1,622,000	3,282
Provision for loan and lease losses	$60,000	3,470
Total noninterest income	$135,000	4,851
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$87,000	3,733
Trading account gains and fees	$0	158
Additional Noninterest Income	$48,000	5,134
Total noninterest expense	$994,000	4,250
Salaries and employee benefits	$625,000	3,856
Premises and equipment expense	$97,000	5,250
Additional noninterest expense	$272,000	4,425
Pre-tax net operating income	$703,000	2,402
Securities gains (losses)	$0	2,688
Applicable income taxes	$235,000	1,758
Income before extraordinary items	$468,000	2,848
Extraordinary gains, net	$0	15
Net income	$468,000	2,850
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,249
Cash dividends	$200,000	2,298
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$468,000	2,771
2007-12-31 (YTD Data)		Rank
Total interest income	$9,282,000	3,964
Total interest expense	$4,563,000	3,684
Net interest income	$4,719,000	4,171
Provision for loan and lease losses	$95,000	4,990
Total noninterest income	$350,000	5,751
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$233,000	4,591
Trading account gains and fees	$0	178
Additional Noninterest Income	$117,000	5,981
Total noninterest expense	$2,877,000	5,140
Salaries and employee benefits	$1,615,000	5,069
Premises and equipment expense	$356,000	5,358
Additional noninterest expense	$906,000	4,943
Pre-tax net operating income	$2,097,000	3,211
Securities gains (losses)	$3,000	1,730
Applicable income taxes	$713,000	2,277
Income before extraordinary items	$1,387,000	3,601
Extraordinary gains, net	$0	39
Net income	$1,387,000	3,600
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	5,544
Cash dividends	$700,000	3,186
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,385,020	3,593
2007-09-30 (YTD Data)		Rank
Total interest income	$6,683,000	4,082
Total interest expense	$3,247,000	3,828
Net interest income	$3,436,000	4,266
Provision for loan and lease losses	$64,000	4,783
Total noninterest income	$272,000	5,729
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$173,000	4,649
Trading account gains and fees	$0	184
Additional Noninterest Income	$99,000	5,819
Total noninterest expense	$2,057,000	5,270
Salaries and employee benefits	$1,168,000	5,184
Premises and equipment expense	$262,000	5,407
Additional noninterest expense	$627,000	5,150
Pre-tax net operating income	$1,587,000	3,347
Securities gains (losses)	$-3,000	7,511
Applicable income taxes	$537,000	2,440
Income before extraordinary items	$1,047,000	3,785
Extraordinary gains, net	$0	33
Net income	$1,047,000	3,784
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	5,136
Cash dividends	$525,000	2,857
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,048,980	3,766
2007-06-30 (YTD Data)		Rank
Total interest income	$4,216,000	4,261
Total interest expense	$2,069,000	3,931
Net interest income	$2,147,000	4,481
Provision for loan and lease losses	$31,000	4,859
Total noninterest income	$200,000	5,568
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$112,000	4,712
Trading account gains and fees	$0	168
Additional Noninterest Income	$88,000	5,345
Total noninterest expense	$1,307,000	5,464
Salaries and employee benefits	$723,000	5,450
Premises and equipment expense	$170,000	5,511
Additional noninterest expense	$414,000	5,188
Pre-tax net operating income	$1,009,000	3,514
Securities gains (losses)	$-3,000	7,770
Applicable income taxes	$340,000	2,581
Income before extraordinary items	$666,000	3,939
Extraordinary gains, net	$0	29
Net income	$666,000	3,939
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	4,302
Cash dividends	$350,000	2,931
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$667,980	3,921
2007-03-31 (YTD Data)		Rank
Total interest income	$2,024,000	4,370
Total interest expense	$966,000	4,097
Net interest income	$1,058,000	4,525
Provision for loan and lease losses	$20,000	4,351
Total noninterest income	$84,000	5,880
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$52,000	4,797
Trading account gains and fees	$0	195
Additional Noninterest Income	$32,000	5,872
Total noninterest expense	$659,000	5,461
Salaries and employee benefits	$359,000	5,504
Premises and equipment expense	$89,000	5,403
Additional noninterest expense	$211,000	5,096
Pre-tax net operating income	$463,000	3,682
Securities gains (losses)	$-3,000	8,110
Applicable income taxes	$148,000	2,755
Income before extraordinary items	$312,000	4,083
Extraordinary gains, net	$0	22
Net income	$312,000	4,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	3,890
Cash dividends	$175,000	2,582
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$314,040	4,040
2006-12-31 (YTD Data)		Rank
Total interest income	$7,448,000	4,389
Total interest expense	$3,274,000	4,097
Net interest income	$4,174,000	4,544
Provision for loan and lease losses	$60,000	5,315
Total noninterest income	$363,000	5,796
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$230,000	4,695
Trading account gains and fees	$0	130
Additional Noninterest Income	$133,000	5,850
Total noninterest expense	$2,454,000	5,547
Salaries and employee benefits	$1,433,000	5,350
Premises and equipment expense	$330,000	5,501
Additional noninterest expense	$691,000	5,678
Pre-tax net operating income	$2,023,000	3,617
Securities gains (losses)	$-68,000	8,046
Applicable income taxes	$662,000	2,739
Income before extraordinary items	$1,293,000	4,116
Extraordinary gains, net	$0	51
Net income	$1,293,000	4,116
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	5,171
Cash dividends	$600,000	3,434
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,337,880	4,005
2006-09-30 (YTD Data)		Rank
Total interest income	$5,448,000	4,443
Total interest expense	$2,354,000	4,122
Net interest income	$3,094,000	4,606
Provision for loan and lease losses	$60,000	4,851
Total noninterest income	$263,000	5,889
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$171,000	4,756
Trading account gains and fees	$0	126
Additional Noninterest Income	$92,000	5,992
Total noninterest expense	$1,837,000	5,536
Salaries and employee benefits	$1,061,000	5,364
Premises and equipment expense	$246,000	5,529
Additional noninterest expense	$530,000	5,595
Pre-tax net operating income	$1,460,000	3,845
Securities gains (losses)	$-66,000	8,275
Applicable income taxes	$468,000	2,945
Income before extraordinary items	$926,000	4,344
Extraordinary gains, net	$0	45
Net income	$926,000	4,348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	4,367
Cash dividends	$450,000	3,081
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$969,560	4,235
2006-06-30 (YTD Data)		Rank
Total interest income	$3,505,000	4,500
Total interest expense	$1,491,000	4,125
Net interest income	$2,014,000	4,696
Provision for loan and lease losses	$60,000	4,062
Total noninterest income	$169,000	6,003
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$118,000	4,641
Trading account gains and fees	$0	126
Additional Noninterest Income	$51,000	6,354
Total noninterest expense	$1,227,000	5,536
Salaries and employee benefits	$708,000	5,387
Premises and equipment expense	$163,000	5,551
Additional noninterest expense	$356,000	5,565
Pre-tax net operating income	$896,000	4,053
Securities gains (losses)	$4,000	883
Applicable income taxes	$302,000	3,035
Income before extraordinary items	$598,000	4,453
Extraordinary gains, net	$0	39
Net income	$598,000	4,457
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$300,000	3,088
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$595,360	4,453
2006-03-31 (YTD Data)		Rank
Total interest income	$1,718,000	4,512
Total interest expense	$713,000	4,130
Net interest income	$1,005,000	4,697
Provision for loan and lease losses	$30,000	3,822
Total noninterest income	$69,000	6,367
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$49,000	5,002
Trading account gains and fees	$0	115
Additional Noninterest Income	$20,000	6,714
Total noninterest expense	$610,000	5,567
Salaries and employee benefits	$361,000	5,335
Premises and equipment expense	$78,000	5,692
Additional noninterest expense	$171,000	5,666
Pre-tax net operating income	$434,000	4,086
Securities gains (losses)	$4,000	719
Applicable income taxes	$147,000	3,065
Income before extraordinary items	$291,000	4,492
Extraordinary gains, net	$0	21
Net income	$291,000	4,492
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$150,000	2,701
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$288,360	4,503
2005-12-31 (YTD Data)		Rank
Total interest income	$6,312,000	4,475
Total interest expense	$2,358,000	3,972
Net interest income	$3,954,000	4,658
Provision for loan and lease losses	$-5,000	8,484
Total noninterest income	$328,000	6,149
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$220,000	4,843
Trading account gains and fees	$0	138
Additional Noninterest Income	$108,000	6,289
Total noninterest expense	$2,374,000	5,537
Salaries and employee benefits	$1,313,000	5,494
Premises and equipment expense	$324,000	5,516
Additional noninterest expense	$737,000	5,450
Pre-tax net operating income	$1,913,000	3,797
Securities gains (losses)	$-15,000	7,693
Applicable income taxes	$636,000	2,981
Income before extraordinary items	$1,262,000	4,223
Extraordinary gains, net	$0	46
Net income	$1,262,000	4,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	5,317
Cash dividends	$600,000	3,308
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,271,900	4,181
2005-09-30 (YTD Data)		Rank
Total interest income	$4,611,000	4,508
Total interest expense	$1,608,000	4,100
Net interest income	$3,003,000	4,637
Provision for loan and lease losses	$70,000	4,797
Total noninterest income	$225,000	6,354
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$163,000	4,904
Trading account gains and fees	$0	126
Additional Noninterest Income	$62,000	6,714
Total noninterest expense	$1,761,000	5,545
Salaries and employee benefits	$1,026,000	5,337
Premises and equipment expense	$254,000	5,383
Additional noninterest expense	$481,000	5,831
Pre-tax net operating income	$1,397,000	3,944
Securities gains (losses)	$-8,000	7,835
Applicable income taxes	$473,000	3,046
Income before extraordinary items	$916,000	4,411
Extraordinary gains, net	$0	35
Net income	$916,000	4,411
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	4,590
Cash dividends	$450,000	2,957
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$921,280	4,353
2005-06-30 (YTD Data)		Rank
Total interest income	$3,024,000	4,494
Total interest expense	$1,038,000	4,029
Net interest income	$1,986,000	4,641
Provision for loan and lease losses	$60,000	4,115
Total noninterest income	$173,000	6,053
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$109,000	4,862
Trading account gains and fees	$0	116
Additional Noninterest Income	$64,000	6,019
Total noninterest expense	$1,189,000	5,508
Salaries and employee benefits	$702,000	5,239
Premises and equipment expense	$170,000	5,363
Additional noninterest expense	$317,000	5,827
Pre-tax net operating income	$910,000	3,967
Securities gains (losses)	$-9,000	8,110
Applicable income taxes	$307,000	3,063
Income before extraordinary items	$594,000	4,431
Extraordinary gains, net	$0	30
Net income	$594,000	4,432
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	4,895
Cash dividends	$300,000	2,918
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$599,940	4,360
2005-03-31 (YTD Data)		Rank
Total interest income	$1,497,000	4,495
Total interest expense	$495,000	4,049
Net interest income	$1,002,000	4,618
Provision for loan and lease losses	$30,000	3,913
Total noninterest income	$76,000	6,278
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$51,000	4,944
Trading account gains and fees	$0	115
Additional Noninterest Income	$25,000	6,471
Total noninterest expense	$600,000	5,516
Salaries and employee benefits	$357,000	5,220
Premises and equipment expense	$83,000	5,458
Additional noninterest expense	$160,000	5,793
Pre-tax net operating income	$448,000	3,973
Securities gains (losses)	$-8,000	8,484
Applicable income taxes	$151,000	3,085
Income before extraordinary items	$289,000	4,478
Extraordinary gains, net	$0	24
Net income	$289,000	4,479
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	3,869
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$294,280	4,386
2004-12-31 (YTD Data)		Rank
Total interest income	$5,556,000	4,508
Total interest expense	$1,739,000	4,068
Net interest income	$3,817,000	4,642
Provision for loan and lease losses	$90,000	5,165
Total noninterest income	$322,000	6,254
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$225,000	4,967
Trading account gains and fees	$0	138
Additional Noninterest Income	$97,000	6,480
Total noninterest expense	$2,272,000	5,590
Salaries and employee benefits	$1,283,000	5,477
Premises and equipment expense	$349,000	5,226
Additional noninterest expense	$640,000	5,795
Pre-tax net operating income	$1,777,000	3,819
Securities gains (losses)	$3,000	3,369
Applicable income taxes	$629,000	2,948
Income before extraordinary items	$1,151,000	4,305
Extraordinary gains, net	$0	34
Net income	$1,151,000	4,306
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	8,361
Cash dividends	$500,000	3,518
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,149,050	4,241
2004-09-30 (YTD Data)		Rank
Total interest income	$4,091,000	4,544
Total interest expense	$1,278,000	4,085
Net interest income	$2,813,000	4,687
Provision for loan and lease losses	$90,000	4,429
Total noninterest income	$252,000	6,213
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$170,000	5,004
Trading account gains and fees	$0	134
Additional Noninterest Income	$82,000	6,269
Total noninterest expense	$1,694,000	5,589
Salaries and employee benefits	$946,000	5,498
Premises and equipment expense	$260,000	5,221
Additional noninterest expense	$488,000	5,704
Pre-tax net operating income	$1,281,000	3,995
Securities gains (losses)	$-3,000	8,248
Applicable income taxes	$453,000	3,070
Income before extraordinary items	$825,000	4,539
Extraordinary gains, net	$0	26
Net income	$825,000	4,540
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	8,271
Cash dividends	$300,000	3,420
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$826,950	4,452
2004-06-30 (YTD Data)		Rank
Total interest income	$2,738,000	4,537
Total interest expense	$848,000	4,106
Net interest income	$1,890,000	4,660
Provision for loan and lease losses	$60,000	4,267
Total noninterest income	$166,000	6,244
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$113,000	4,994
Trading account gains and fees	$0	130
Additional Noninterest Income	$53,000	6,336
Total noninterest expense	$1,150,000	5,573
Salaries and employee benefits	$642,000	5,484
Premises and equipment expense	$168,000	5,352
Additional noninterest expense	$340,000	5,600
Pre-tax net operating income	$846,000	3,970
Securities gains (losses)	$1,000	3,212
Applicable income taxes	$301,000	3,080
Income before extraordinary items	$546,000	4,499
Extraordinary gains, net	$0	21
Net income	$546,000	4,500
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	8,266
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$545,360	4,419
2004-03-31 (YTD Data)		Rank
Total interest income	$1,377,000	4,543
Total interest expense	$430,000	4,105
Net interest income	$947,000	4,650
Provision for loan and lease losses	$30,000	4,060
Total noninterest income	$78,000	6,348
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$55,000	4,979
Trading account gains and fees	$0	121
Additional Noninterest Income	$23,000	6,579
Total noninterest expense	$569,000	5,617
Salaries and employee benefits	$313,000	5,604
Premises and equipment expense	$83,000	5,402
Additional noninterest expense	$173,000	5,550
Pre-tax net operating income	$426,000	3,931
Securities gains (losses)	$0	2,934
Applicable income taxes	$152,000	3,073
Income before extraordinary items	$274,000	4,522
Extraordinary gains, net	$0	16
Net income	$274,000	4,521
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	3,994
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$274,000	4,389
2003-12-31 (YTD Data)		Rank
Total interest income	$5,333,000	4,682
Total interest expense	$1,893,000	4,190
Net interest income	$3,440,000	4,858
Provision for loan and lease losses	$90,000	5,469
Total noninterest income	$311,000	6,517
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$224,000	5,023
Trading account gains and fees	$0	160
Additional Noninterest Income	$87,000	6,760
Total noninterest expense	$2,241,000	5,613
Salaries and employee benefits	$1,241,000	5,516
Premises and equipment expense	$334,000	5,327
Additional noninterest expense	$666,000	5,654
Pre-tax net operating income	$1,420,000	4,263
Securities gains (losses)	$0	4,500
Applicable income taxes	$495,000	3,396
Income before extraordinary items	$925,000	4,867
Extraordinary gains, net	$0	54
Net income	$925,000	4,868
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	8,677
Cash dividends	$500,000	3,502
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$925,000	4,705
2003-09-30 (YTD Data)		Rank
Total interest income	$3,982,000	4,747
Total interest expense	$1,462,000	4,227
Net interest income	$2,520,000	4,942
Provision for loan and lease losses	$90,000	4,812
Total noninterest income	$236,000	6,542
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$162,000	5,122
Trading account gains and fees	$0	153
Additional Noninterest Income	$74,000	6,610
Total noninterest expense	$1,661,000	5,628
Salaries and employee benefits	$926,000	5,507
Premises and equipment expense	$229,000	5,589
Additional noninterest expense	$506,000	5,602
Pre-tax net operating income	$1,005,000	4,533
Securities gains (losses)	$0	4,204
Applicable income taxes	$339,000	3,708
Income before extraordinary items	$666,000	5,126
Extraordinary gains, net	$0	40
Net income	$666,000	5,126
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	8,563
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$666,000	4,938
2003-06-30 (YTD Data)		Rank
Total interest income	$2,661,000	4,770
Total interest expense	$1,018,000	4,196
Net interest income	$1,643,000	5,008
Provision for loan and lease losses	$60,000	4,687
Total noninterest income	$156,000	6,551
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$102,000	5,238
Trading account gains and fees	$0	150
Additional Noninterest Income	$54,000	6,441
Total noninterest expense	$1,086,000	5,703
Salaries and employee benefits	$595,000	5,642
Premises and equipment expense	$151,000	5,624
Additional noninterest expense	$340,000	5,569
Pre-tax net operating income	$653,000	4,619
Securities gains (losses)	$0	3,782
Applicable income taxes	$224,000	3,750
Income before extraordinary items	$429,000	5,224
Extraordinary gains, net	$0	30
Net income	$429,000	5,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	8,495
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$429,000	5,019
2003-03-31 (YTD Data)		Rank
Total interest income	$1,363,000	4,708
Total interest expense	$522,000	4,206
Net interest income	$841,000	4,913
Provision for loan and lease losses	$30,000	4,429
Total noninterest income	$66,000	6,832
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$46,000	5,391
Trading account gains and fees	$0	134
Additional Noninterest Income	$20,000	6,924
Total noninterest expense	$542,000	5,692
Salaries and employee benefits	$298,000	5,644
Premises and equipment expense	$75,000	5,636
Additional noninterest expense	$169,000	5,559
Pre-tax net operating income	$335,000	4,502
Securities gains (losses)	$0	2,891
Applicable income taxes	$108,000	3,802
Income before extraordinary items	$227,000	4,985
Extraordinary gains, net	$0	21
Net income	$227,000	4,984
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	8,558
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$227,000	4,780
2002-12-31 (YTD Data)		Rank
Total interest income	$5,482,000	4,853
Total interest expense	$2,296,000	4,378
Net interest income	$3,186,000	5,095
Provision for loan and lease losses	$120,000	5,330
Total noninterest income	$321,000	6,313
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$199,000	5,206
Trading account gains and fees	$0	153
Additional Noninterest Income	$122,000	6,029
Total noninterest expense	$2,021,000	5,835
Salaries and employee benefits	$1,145,000	5,655
Premises and equipment expense	$265,000	5,945
Additional noninterest expense	$611,000	5,860
Pre-tax net operating income	$1,366,000	4,352
Securities gains (losses)	$6,000	3,879
Applicable income taxes	$464,000	3,603
Income before extraordinary items	$908,000	4,855
Extraordinary gains, net	$0	70
Net income	$908,000	4,855
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-44,000	9,123
Cash dividends	$1,000,000	2,224
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$904,040	4,747
2001-12-31 (YTD Data)		Rank
Total interest income	$5,997,000	4,962
Total interest expense	$2,943,000	4,801
Net interest income	$3,054,000	4,995
Provision for loan and lease losses	$180,000	4,345
Total noninterest income	$275,000	6,625
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$193,000	5,252
Trading account gains and fees	$0	177
Additional Noninterest Income	$82,000	6,833
Total noninterest expense	$1,908,000	5,913
Salaries and employee benefits	$1,089,000	5,683
Premises and equipment expense	$269,000	5,864
Additional noninterest expense	$550,000	6,156
Pre-tax net operating income	$1,241,000	4,350
Securities gains (losses)	$56,000	2,241
Applicable income taxes	$430,000	3,595
Income before extraordinary items	$867,000	4,660
Extraordinary gains, net	$0	105
Net income	$867,000	4,662
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-156,000	9,543
Cash dividends	$150,000	5,292
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$829,480	4,663
2000-12-31 (YTD Data)		Rank
Total interest income	$6,487,000	4,842
Total interest expense	$3,209,000	4,676
Net interest income	$3,278,000	4,842
Provision for loan and lease losses	$480,000	1,938
Total noninterest income	$262,000	6,653
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$199,000	5,102
Trading account gains and fees	NA	NA
Additional Noninterest Income	$63,000	7,397
Total noninterest expense	$1,823,000	6,016
Salaries and employee benefits	$1,032,000	5,792
Premises and equipment expense	$269,000	5,791
Additional noninterest expense	$522,000	6,264
Pre-tax net operating income	$1,237,000	4,646
Securities gains (losses)	$-5,000	7,961
Applicable income taxes	$404,000	3,966
Income before extraordinary items	$828,000	4,954
Extraordinary gains, net	$0	38
Net income	$828,000	4,953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$398,000	1,485
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$831,350	4,932
1999-12-31 (YTD Data)		Rank
Total interest income	$5,308,000	5,358
Total interest expense	$2,440,000	5,270
Net interest income	$2,868,000	5,334
Provision for loan and lease losses	$198,000	3,594
Total noninterest income	$311,000	6,343
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$214,000	4,948
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	6,712
Total noninterest expense	$1,743,000	6,202
Salaries and employee benefits	$1,001,000	5,880
Premises and equipment expense	$272,000	5,777
Additional noninterest expense	$470,000	6,745
Pre-tax net operating income	$1,238,000	4,674
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$404,000	4,134
Income before extraordinary items	$835,000	4,964
Extraordinary gains, net	$0	35
Net income	$835,000	4,964
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$103,000	3,527
Cash dividends	$25,000	6,862
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$834,330	4,931
1998-12-31 (YTD Data)		Rank
Total interest income	$4,934,000	5,729
Total interest expense	$2,378,000	5,561
Net interest income	$2,556,000	5,758
Provision for loan and lease losses	$150,000	4,136
Total noninterest income	$266,000	6,815
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$185,000	5,364
Trading account gains and fees	NA	NA
Additional Noninterest Income	$81,000	7,164
Total noninterest expense	$1,718,000	6,188
Salaries and employee benefits	$926,000	6,085
Premises and equipment expense	$256,000	5,883
Additional noninterest expense	$536,000	6,194
Pre-tax net operating income	$954,000	5,560
Securities gains (losses)	$6,000	3,324
Applicable income taxes	$307,000	5,109
Income before extraordinary items	$653,000	5,803
Extraordinary gains, net	$0	32
Net income	$653,000	5,802
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$62,000	4,524
Cash dividends	$100,000	6,234
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$648,920	5,716
1997-12-31 (YTD Data)		Rank
Total interest income	$4,594,000	6,135
Total interest expense	$2,253,000	5,792
Net interest income	$2,341,000	6,305
Provision for loan and lease losses	$130,000	4,446
Total noninterest income	$267,000	7,028
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$175,000	5,740
Trading account gains and fees	NA	NA
Additional Noninterest Income	$92,000	7,011
Total noninterest expense	$1,577,000	6,586
Salaries and employee benefits	$883,000	6,378
Premises and equipment expense	$237,000	6,253
Additional noninterest expense	$457,000	6,867
Pre-tax net operating income	$901,000	6,147
Securities gains (losses)	$-27,000	10,475
Applicable income taxes	$273,000	5,995
Income before extraordinary items	$601,000	6,370
Extraordinary gains, net	$0	44
Net income	$601,000	6,370
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$137,000	3,195
Cash dividends	$310,000	4,472
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$619,630	6,194
1996-12-31 (YTD Data)		Rank
Total interest income	$4,193,000	6,684
Total interest expense	$2,092,000	6,242
Net interest income	$2,101,000	6,954
Provision for loan and lease losses	$88,000	5,424
Total noninterest income	$250,000	7,576
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$176,000	5,995
Trading account gains and fees	NA	NA
Additional Noninterest Income	$74,000	7,943
Total noninterest expense	$1,476,000	7,175
Salaries and employee benefits	$822,000	6,873
Premises and equipment expense	$218,000	6,718
Additional noninterest expense	$436,000	7,582
Pre-tax net operating income	$787,000	6,556
Securities gains (losses)	$0	4,148
Applicable income taxes	$257,000	6,358
Income before extraordinary items	$530,000	6,697
Extraordinary gains, net	$0	53
Net income	$530,000	6,700
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,441
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$530,000	6,640
1995-12-31 (YTD Data)		Rank
Total interest income	$3,851,000	7,156
Total interest expense	$1,942,000	6,605
Net interest income	$1,909,000	7,510
Provision for loan and lease losses	$79,000	5,161
Total noninterest income	$177,000	8,836
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$133,000	7,028
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	9,521
Total noninterest expense	$1,332,000	7,782
Salaries and employee benefits	$709,000	7,669
Premises and equipment expense	$163,000	7,979
Additional noninterest expense	$460,000	7,608
Pre-tax net operating income	$675,000	7,439
Securities gains (losses)	$-25,000	10,717
Applicable income taxes	$216,000	7,161
Income before extraordinary items	$434,000	7,780
Extraordinary gains, net	$0	65
Net income	$434,000	7,779
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	3,805
Cash dividends	$180,000	5,723
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$450,750	7,604
1994-12-31 (YTD Data)		Rank
Total interest income	$3,484,000	7,346
Total interest expense	$1,386,000	7,250
Net interest income	$2,098,000	7,330
Provision for loan and lease losses	$57,000	5,874
Total noninterest income	$176,000	9,181
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$141,000	7,101
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	10,473
Total noninterest expense	$1,312,000	8,194
Salaries and employee benefits	$711,000	7,791
Premises and equipment expense	$140,000	8,820
Additional noninterest expense	$461,000	8,224
Pre-tax net operating income	$905,000	6,375
Securities gains (losses)	$-68,000	11,275
Applicable income taxes	$288,000	6,028
Income before extraordinary items	$549,000	6,916
Extraordinary gains, net	$0	249
Net income	$549,000	6,928
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,275
Cash dividends	$200,000	5,405
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$593,880	6,654
1993-12-31 (YTD Data)		Rank
Total interest income	$2,877,000	8,537
Total interest expense	$1,173,000	8,383
Net interest income	$1,704,000	8,477
Provision for loan and lease losses	$20,000	9,046
Total noninterest income	$142,000	10,373
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$119,000	7,868
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	11,812
Total noninterest expense	$1,246,000	8,713
Salaries and employee benefits	$671,000	8,212
Premises and equipment expense	$167,000	8,450
Additional noninterest expense	$408,000	9,179
Pre-tax net operating income	$580,000	8,084
Securities gains (losses)	$9,000	5,582
Applicable income taxes	$199,000	7,638
Income before extraordinary items	$390,000	8,537
Extraordinary gains, net	$0	3,149
Net income	$390,000	8,698
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	11,928
Cash dividends	$150,000	6,064
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$384,060	8,333
1992-12-31 (YTD Data)		Rank
Total interest income	$2,949,000	9,079
Total interest expense	$1,281,000	9,311
Net interest income	$1,668,000	8,749
Provision for loan and lease losses	$70,000	8,246
Total noninterest income	$126,000	11,025
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$98,000	8,573
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	11,929
Total noninterest expense	$1,168,000	9,196
Salaries and employee benefits	$612,000	8,707
Premises and equipment expense	$155,000	8,970
Additional noninterest expense	$401,000	9,560
Pre-tax net operating income	$556,000	8,021
Securities gains (losses)	$9,000	6,537
Applicable income taxes	$191,000	7,734
Income before extraordinary items	$374,000	8,474
Extraordinary gains, net	$0	1,422
Net income	$374,000	8,599
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	8,345
Cash dividends	$170,000	5,484
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$368,060	8,167

* 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.