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First & Farmers National Bank, Inc., Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$27,211,000	1,516
Total interest expense	$5,697,000	1,881
Net interest income	$21,514,000	1,352
Provision for loan and lease losses	$562,000	1,189
Total noninterest income	$2,914,000	1,659
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,257,000	843
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,657,000	1,779
Total noninterest expense	$17,357,000	1,361
Salaries and employee benefits	$8,520,000	1,520
Premises and equipment expense	$1,424,000	1,603
Additional noninterest expense	$1,657,000	1,779
Pre-tax net operating income	$6,509,000	1,629
Securities gains (losses)	$0	988
Applicable income taxes	$1,109,000	1,372
Income before extraordinary items	$5,400,000	1,645
Extraordinary gains, net	$0	54
Net income	$5,400,000	1,665
Minority interest net income	$0	88
Net income of bank and minority interests.	$5,400,000	1,648
Net charge-offs	$-127,000	4,384
Cash dividends	$4,300,000	903
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$5,400,000	1,673
2023-09-30 (YTD Data)		Rank
Total interest income	$19,858,000	1,516
Total interest expense	$3,717,000	1,911
Net interest income	$16,141,000	1,354
Provision for loan and lease losses	$303,000	1,333
Total noninterest income	$2,140,000	1,680
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$942,000	842
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,198,000	1,821
Total noninterest expense	$12,874,000	1,360
Salaries and employee benefits	$6,144,000	1,586
Premises and equipment expense	$1,047,000	1,615
Additional noninterest expense	$1,198,000	1,821
Pre-tax net operating income	$5,104,000	1,632
Securities gains (losses)	$0	849
Applicable income taxes	$875,000	1,372
Income before extraordinary items	$4,229,000	1,645
Extraordinary gains, net	$0	52
Net income	$4,229,000	1,657
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,229,000	1,645
Net charge-offs	$41,000	1,562
Cash dividends	$2,500,000	1,004
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$4,229,000	1,668
2023-06-30 (YTD Data)		Rank
Total interest income	$12,885,000	1,517
Total interest expense	$2,193,000	1,901
Net interest income	$10,692,000	1,376
Provision for loan and lease losses	$201,000	1,329
Total noninterest income	$1,404,000	1,621
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$637,000	817
Trading account gains and fees	NA	NA
Additional Noninterest Income	$767,000	1,783
Total noninterest expense	$8,768,000	1,333
Salaries and employee benefits	$4,062,000	1,588
Premises and equipment expense	$715,000	1,593
Additional noninterest expense	$767,000	1,781
Pre-tax net operating income	$3,127,000	1,710
Securities gains (losses)	$0	938
Applicable income taxes	$508,000	1,477
Income before extraordinary items	$2,619,000	1,732
Extraordinary gains, net	$0	51
Net income	$2,619,000	1,752
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,619,000	1,732
Net charge-offs	$21,000	1,520
Cash dividends	$2,000,000	870
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,619,000	1,740
2023-03-31 (YTD Data)		Rank
Total interest income	$6,231,000	1,531
Total interest expense	$972,000	1,863
Net interest income	$5,259,000	1,408
Provision for loan and lease losses	$75,000	1,413
Total noninterest income	$684,000	1,642
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$315,000	831
Trading account gains and fees	NA	NA
Additional Noninterest Income	$369,000	1,824
Total noninterest expense	$3,968,000	1,455
Salaries and employee benefits	$1,967,000	1,652
Premises and equipment expense	$358,000	1,619
Additional noninterest expense	$369,000	1,824
Pre-tax net operating income	$1,900,000	1,523
Securities gains (losses)	$0	950
Applicable income taxes	$332,000	1,308
Income before extraordinary items	$1,568,000	1,553
Extraordinary gains, net	$0	4
Net income	$1,568,000	1,553
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,568,000	1,553
Net charge-offs	$13,000	1,282
Cash dividends	$2,000,000	476
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,568,000	1,571
2022-12-31 (YTD Data)		Rank
Total interest income	$22,237,000	1,442
Total interest expense	$1,653,000	1,807
Net interest income	$20,584,000	1,392
Provision for loan and lease losses	$250,000	1,629
Total noninterest income	$2,978,000	1,638
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$1,280,000	840
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,698,000	1,783
Total noninterest expense	$15,941,000	1,412
Salaries and employee benefits	$8,357,000	1,507
Premises and equipment expense	$1,375,000	1,634
Additional noninterest expense	$1,698,000	1,783
Pre-tax net operating income	$7,371,000	1,576
Securities gains (losses)	$0	691
Applicable income taxes	$1,191,000	1,422
Income before extraordinary items	$6,180,000	1,594
Extraordinary gains, net	$0	5
Net income	$6,180,000	1,592
Minority interest net income	$0	63
Net income of bank and minority interests.	$6,180,000	1,593
Net charge-offs	$30,000	1,774
Cash dividends	$4,050,000	919
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$6,180,000	1,624
2022-09-30 (YTD Data)		Rank
Total interest income	$16,271,000	1,416
Total interest expense	$1,120,000	1,628
Net interest income	$15,151,000	1,404
Provision for loan and lease losses	$125,000	1,752
Total noninterest income	$2,202,000	1,680
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$951,000	853
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,251,000	1,829
Total noninterest expense	$12,089,000	1,392
Salaries and employee benefits	$6,370,000	1,500
Premises and equipment expense	$1,078,000	1,581
Additional noninterest expense	$1,251,000	1,829
Pre-tax net operating income	$5,139,000	1,665
Securities gains (losses)	$0	740
Applicable income taxes	$792,000	1,513
Income before extraordinary items	$4,347,000	1,636
Extraordinary gains, net	$0	4
Net income	$4,347,000	1,635
Minority interest net income	$0	57
Net income of bank and minority interests.	$4,347,000	1,635
Net charge-offs	$152,000	780
Cash dividends	$1,750,000	1,228
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$4,347,000	1,670
2022-06-30 (YTD Data)		Rank
Total interest income	$10,616,000	1,402
Total interest expense	$723,000	1,477
Net interest income	$9,893,000	1,394
Provision for loan and lease losses	$100,000	1,527
Total noninterest income	$1,441,000	1,688
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$606,000	875
Trading account gains and fees	NA	NA
Additional Noninterest Income	$835,000	1,861
Total noninterest expense	$8,089,000	1,377
Salaries and employee benefits	$4,309,000	1,476
Premises and equipment expense	$702,000	1,626
Additional noninterest expense	$3,078,000	1,129
Pre-tax net operating income	$3,145,000	1,673
Securities gains (losses)	$0	687
Applicable income taxes	$492,000	1,492
Income before extraordinary items	$2,653,000	1,660
Extraordinary gains, net	$0	4
Net income	$2,653,000	1,659
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,653,000	1,660
Net charge-offs	$134,000	632
Cash dividends	$1,750,000	935
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$2,653,000	1,696
2022-03-31 (YTD Data)		Rank
Total interest income	$5,236,000	1,374
Total interest expense	$357,000	1,442
Net interest income	$4,879,000	1,374
Provision for loan and lease losses	$0	2,285
Total noninterest income	$716,000	1,691
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$296,000	883
Trading account gains and fees	NA	NA
Additional Noninterest Income	$420,000	1,867
Total noninterest expense	$4,018,000	1,387
Salaries and employee benefits	$2,173,000	1,471
Premises and equipment expense	$348,000	1,651
Additional noninterest expense	$1,497,000	1,147
Pre-tax net operating income	$1,577,000	1,590
Securities gains (losses)	$0	623
Applicable income taxes	$246,000	1,459
Income before extraordinary items	$1,331,000	1,582
Extraordinary gains, net	$0	4
Net income	$1,331,000	1,580
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,331,000	1,582
Net charge-offs	$120,000	460
Cash dividends	$1,500,000	555
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,331,000	1,607
2021-12-31 (YTD Data)		Rank
Total interest income	$23,159,000	1,305
Total interest expense	$1,750,000	1,477
Net interest income	$21,409,000	1,286
Provision for loan and lease losses	$50,000	2,549
Total noninterest income	$3,400,000	1,654
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$1,028,000	954
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,372,000	1,738
Total noninterest expense	$16,413,000	1,348
Salaries and employee benefits	$8,832,000	1,440
Premises and equipment expense	$1,216,000	1,803
Additional noninterest expense	$6,365,000	1,098
Pre-tax net operating income	$8,346,000	1,436
Securities gains (losses)	$0	2,062
Applicable income taxes	$1,487,000	1,323
Income before extraordinary items	$6,859,000	1,525
Extraordinary gains, net	$0	10
Net income	$6,859,000	1,524
Minority interest net income	$0	74
Net income of bank and minority interests.	$6,859,000	1,525
Net charge-offs	$-244,000	4,594
Cash dividends	$4,300,000	893
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$6,859,000	1,492
2021-09-30 (YTD Data)		Rank
Total interest income	$17,632,000	1,326
Total interest expense	$1,367,000	1,514
Net interest income	$16,265,000	1,295
Provision for loan and lease losses	$50,000	2,340
Total noninterest income	$2,655,000	1,660
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$727,000	996
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,928,000	1,713
Total noninterest expense	$12,366,000	1,359
Salaries and employee benefits	$6,803,000	1,403
Premises and equipment expense	$951,000	1,777
Additional noninterest expense	$4,612,000	1,133
Pre-tax net operating income	$6,504,000	1,457
Securities gains (losses)	$0	2,015
Applicable income taxes	$1,175,000	1,345
Income before extraordinary items	$5,329,000	1,546
Extraordinary gains, net	$0	8
Net income	$5,329,000	1,546
Minority interest net income	$0	69
Net income of bank and minority interests.	$5,329,000	1,546
Net charge-offs	$-82,000	4,398
Cash dividends	$1,500,000	1,383
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$5,329,000	1,513
2021-06-30 (YTD Data)		Rank
Total interest income	$11,381,000	1,346
Total interest expense	$972,000	1,494
Net interest income	$10,409,000	1,322
Provision for loan and lease losses	$50,000	2,139
Total noninterest income	$1,489,000	1,810
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$453,000	1,012
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,036,000	1,870
Total noninterest expense	$8,291,000	1,343
Salaries and employee benefits	$4,601,000	1,382
Premises and equipment expense	$637,000	1,761
Additional noninterest expense	$3,053,000	1,111
Pre-tax net operating income	$3,557,000	1,649
Securities gains (losses)	$0	1,818
Applicable income taxes	$588,000	1,545
Income before extraordinary items	$2,969,000	1,721
Extraordinary gains, net	$0	6
Net income	$2,969,000	1,721
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,969,000	1,721
Net charge-offs	$-97,000	4,583
Cash dividends	$1,500,000	1,047
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$2,969,000	1,692
2021-03-31 (YTD Data)		Rank
Total interest income	$5,296,000	1,431
Total interest expense	$510,000	1,504
Net interest income	$4,786,000	1,416
Provision for loan and lease losses	$50,000	1,719
Total noninterest income	$736,000	1,817
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$229,000	988
Trading account gains and fees	NA	NA
Additional Noninterest Income	$507,000	1,906
Total noninterest expense	$4,207,000	1,317
Salaries and employee benefits	$2,419,000	1,325
Premises and equipment expense	$314,000	1,783
Additional noninterest expense	$1,474,000	1,117
Pre-tax net operating income	$1,265,000	2,084
Securities gains (losses)	$0	1,392
Applicable income taxes	$167,000	1,937
Income before extraordinary items	$1,098,000	2,095
Extraordinary gains, net	$0	3
Net income	$1,098,000	2,096
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,098,000	2,095
Net charge-offs	$-93,000	4,750
Cash dividends	$1,500,000	557
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,098,000	2,061
2020-12-31 (YTD Data)		Rank
Total interest income	$21,880,000	1,370
Total interest expense	$2,816,000	1,569
Net interest income	$19,064,000	1,343
Provision for loan and lease losses	$725,000	1,902
Total noninterest income	$2,874,000	1,764
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$1,075,000	889
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,799,000	1,900
Total noninterest expense	$16,252,000	1,315
Salaries and employee benefits	$8,354,000	1,456
Premises and equipment expense	$1,221,000	1,785
Additional noninterest expense	$6,677,000	1,021
Pre-tax net operating income	$4,961,000	1,792
Securities gains (losses)	$78,000	1,504
Applicable income taxes	$479,000	1,969
Income before extraordinary items	$4,560,000	1,755
Extraordinary gains, net	$0	4
Net income	$4,560,000	1,755
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,560,000	1,755
Net charge-offs	$-117,000	4,783
Cash dividends	$2,500,000	1,288
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$4,489,800	1,735
2020-09-30 (YTD Data)		Rank
Total interest income	$16,180,000	1,399
Total interest expense	$2,259,000	1,562
Net interest income	$13,921,000	1,369
Provision for loan and lease losses	$575,000	1,857
Total noninterest income	$2,019,000	1,785
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$799,000	894
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,220,000	1,955
Total noninterest expense	$12,160,000	1,306
Salaries and employee benefits	$6,351,000	1,422
Premises and equipment expense	$935,000	1,754
Additional noninterest expense	$4,874,000	1,031
Pre-tax net operating income	$3,205,000	1,961
Securities gains (losses)	$78,000	1,327
Applicable income taxes	$292,000	2,114
Income before extraordinary items	$2,991,000	1,909
Extraordinary gains, net	$0	4
Net income	$2,991,000	1,908
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,991,000	1,909
Net charge-offs	$15,000	2,607
Cash dividends	$500,000	2,300
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,920,020	1,883
2020-06-30 (YTD Data)		Rank
Total interest income	$10,669,000	1,438
Total interest expense	$1,634,000	1,546
Net interest income	$9,035,000	1,393
Provision for loan and lease losses	$350,000	1,891
Total noninterest income	$1,291,000	1,762
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$551,000	872
Trading account gains and fees	NA	NA
Additional Noninterest Income	$740,000	1,981
Total noninterest expense	$8,077,000	1,299
Salaries and employee benefits	$4,276,000	1,410
Premises and equipment expense	$608,000	1,775
Additional noninterest expense	$3,193,000	1,037
Pre-tax net operating income	$1,899,000	2,077
Securities gains (losses)	$78,000	1,090
Applicable income taxes	$152,000	2,267
Income before extraordinary items	$1,825,000	1,955
Extraordinary gains, net	$0	4
Net income	$1,825,000	1,956
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,825,000	1,956
Net charge-offs	$12,000	2,384
Cash dividends	$500,000	1,959
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,753,240	1,975
2020-03-31 (YTD Data)		Rank
Total interest income	$5,340,000	1,426
Total interest expense	$874,000	1,581
Net interest income	$4,466,000	1,374
Provision for loan and lease losses	$50,000	2,502
Total noninterest income	$688,000	1,627
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$336,000	853
Trading account gains and fees	NA	NA
Additional Noninterest Income	$352,000	1,851
Total noninterest expense	$4,062,000	1,309
Salaries and employee benefits	$2,130,000	1,423
Premises and equipment expense	$308,000	1,786
Additional noninterest expense	$1,624,000	1,041
Pre-tax net operating income	$1,042,000	1,772
Securities gains (losses)	$0	1,705
Applicable income taxes	$88,000	2,047
Income before extraordinary items	$954,000	1,731
Extraordinary gains, net	$0	4
Net income	$954,000	1,732
Minority interest net income	$0	56
Net income of bank and minority interests.	$954,000	1,732
Net charge-offs	$2,000	2,313
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$954,000	1,693
2019-12-31 (YTD Data)		Rank
Total interest income	$21,190,000	1,447
Total interest expense	$3,583,000	1,610
Net interest income	$17,607,000	1,386
Provision for loan and lease losses	$0	3,973
Total noninterest income	$2,836,000	1,627
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,399,000	857
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,437,000	1,836
Total noninterest expense	$16,718,000	1,234
Salaries and employee benefits	$8,814,000	1,344
Premises and equipment expense	$1,168,000	1,828
Additional noninterest expense	$6,736,000	1,001
Pre-tax net operating income	$3,725,000	2,150
Securities gains (losses)	$0	2,379
Applicable income taxes	$521,000	1,946
Income before extraordinary items	$3,204,000	2,198
Extraordinary gains, net	$0	11
Net income	$3,204,000	2,200
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,204,000	2,200
Net charge-offs	$-75,000	4,844
Cash dividends	$2,400,000	1,412
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$3,204,000	2,158
2019-09-30 (YTD Data)		Rank
Total interest income	$15,740,000	1,477
Total interest expense	$2,619,000	1,642
Net interest income	$13,121,000	1,406
Provision for loan and lease losses	$0	3,836
Total noninterest income	$2,075,000	1,640
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$1,043,000	861
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,032,000	1,881
Total noninterest expense	$12,891,000	1,221
Salaries and employee benefits	$6,712,000	1,324
Premises and equipment expense	$881,000	1,842
Additional noninterest expense	$5,298,000	955
Pre-tax net operating income	$2,305,000	2,495
Securities gains (losses)	$0	2,167
Applicable income taxes	$338,000	2,140
Income before extraordinary items	$1,967,000	2,553
Extraordinary gains, net	$0	11
Net income	$1,967,000	2,554
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,967,000	2,554
Net charge-offs	$60,000	2,106
Cash dividends	$1,400,000	1,494
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,967,000	2,528
2019-06-30 (YTD Data)		Rank
Total interest income	$10,491,000	1,472
Total interest expense	$1,669,000	1,669
Net interest income	$8,822,000	1,393
Provision for loan and lease losses	$0	3,685
Total noninterest income	$1,364,000	1,621
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$681,000	864
Trading account gains and fees	NA	NA
Additional Noninterest Income	$683,000	1,868
Total noninterest expense	$8,135,000	1,277
Salaries and employee benefits	$4,402,000	1,335
Premises and equipment expense	$582,000	1,856
Additional noninterest expense	$3,151,000	1,055
Pre-tax net operating income	$2,051,000	2,059
Securities gains (losses)	$0	1,702
Applicable income taxes	$415,000	1,593
Income before extraordinary items	$1,636,000	2,214
Extraordinary gains, net	$0	11
Net income	$1,636,000	2,213
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,636,000	2,214
Net charge-offs	$27,000	2,212
Cash dividends	$1,400,000	1,149
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,636,000	2,185
2019-03-31 (YTD Data)		Rank
Total interest income	$5,170,000	1,484
Total interest expense	$800,000	1,675
Net interest income	$4,370,000	1,407
Provision for loan and lease losses	$0	3,406
Total noninterest income	$649,000	1,647
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$334,000	869
Trading account gains and fees	NA	NA
Additional Noninterest Income	$315,000	1,926
Total noninterest expense	$4,041,000	1,274
Salaries and employee benefits	$2,228,000	1,332
Premises and equipment expense	$260,000	2,025
Additional noninterest expense	$1,553,000	1,039
Pre-tax net operating income	$978,000	2,082
Securities gains (losses)	$0	1,087
Applicable income taxes	$322,000	1,214
Income before extraordinary items	$656,000	2,455
Extraordinary gains, net	$0	5
Net income	$656,000	2,454
Minority interest net income	$0	52
Net income of bank and minority interests.	$656,000	2,454
Net charge-offs	$4,000	2,286
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$656,000	2,439
2018-12-31 (YTD Data)		Rank
Total interest income	$22,363,000	1,311
Total interest expense	$2,320,000	1,745
Net interest income	$20,043,000	1,238
Provision for loan and lease losses	$260,000	2,104
Total noninterest income	$2,808,000	1,619
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,563,000	789
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,245,000	2,006
Total noninterest expense	$16,413,000	1,244
Salaries and employee benefits	$8,942,000	1,290
Premises and equipment expense	$1,153,000	1,860
Additional noninterest expense	$6,318,000	1,047
Pre-tax net operating income	$6,178,000	1,475
Securities gains (losses)	$-173,000	5,129
Applicable income taxes	$708,000	1,675
Income before extraordinary items	$5,297,000	1,506
Extraordinary gains, net	$0	6
Net income	$5,297,000	1,504
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,297,000	1,505
Net charge-offs	$-37,000	4,822
Cash dividends	$6,100,000	620
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$5,449,240	1,468
2018-09-30 (YTD Data)		Rank
Total interest income	$17,109,000	1,278
Total interest expense	$1,635,000	1,751
Net interest income	$15,474,000	1,207
Provision for loan and lease losses	$100,000	2,576
Total noninterest income	$2,136,000	1,618
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$1,187,000	778
Trading account gains and fees	NA	NA
Additional Noninterest Income	$949,000	1,996
Total noninterest expense	$12,419,000	1,233
Salaries and employee benefits	$6,702,000	1,288
Premises and equipment expense	$923,000	1,791
Additional noninterest expense	$4,794,000	1,029
Pre-tax net operating income	$5,091,000	1,404
Securities gains (losses)	$-58,000	5,159
Applicable income taxes	$636,000	1,576
Income before extraordinary items	$4,397,000	1,383
Extraordinary gains, net	$0	5
Net income	$4,397,000	1,382
Minority interest net income	$0	66
Net income of bank and minority interests.	$4,397,000	1,382
Net charge-offs	$35,000	2,411
Cash dividends	$3,800,000	668
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$4,447,460	1,355
2018-06-30 (YTD Data)		Rank
Total interest income	$11,997,000	1,199
Total interest expense	$1,052,000	1,709
Net interest income	$10,945,000	1,139
Provision for loan and lease losses	$0	3,782
Total noninterest income	$1,416,000	1,626
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$793,000	773
Trading account gains and fees	NA	NA
Additional Noninterest Income	$623,000	2,016
Total noninterest expense	$8,369,000	1,228
Salaries and employee benefits	$4,527,000	1,282
Premises and equipment expense	$628,000	1,780
Additional noninterest expense	$3,214,000	1,023
Pre-tax net operating income	$3,992,000	1,219
Securities gains (losses)	$0	961
Applicable income taxes	$554,000	1,324
Income before extraordinary items	$3,438,000	1,215
Extraordinary gains, net	$0	6
Net income	$3,438,000	1,214
Minority interest net income	$0	65
Net income of bank and minority interests.	$3,438,000	1,214
Net charge-offs	$7,000	2,719
Cash dividends	$2,500,000	632
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$3,438,000	1,208
2018-03-31 (YTD Data)		Rank
Total interest income	$4,888,000	1,423
Total interest expense	$519,000	1,662
Net interest income	$4,369,000	1,374
Provision for loan and lease losses	$0	3,508
Total noninterest income	$708,000	1,610
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$404,000	769
Trading account gains and fees	NA	NA
Additional Noninterest Income	$304,000	2,005
Total noninterest expense	$4,206,000	1,224
Salaries and employee benefits	$2,269,000	1,291
Premises and equipment expense	$292,000	1,894
Additional noninterest expense	$1,645,000	987
Pre-tax net operating income	$871,000	2,243
Securities gains (losses)	$0	735
Applicable income taxes	$40,000	2,846
Income before extraordinary items	$831,000	2,113
Extraordinary gains, net	$0	7
Net income	$831,000	2,112
Minority interest net income	$0	52
Net income of bank and minority interests.	$831,000	2,113
Net charge-offs	$1,000	2,559
Cash dividends	$2,000,000	411
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$831,000	2,102
2017-12-31 (YTD Data)		Rank
Total interest income	$19,719,000	1,358
Total interest expense	$1,987,000	1,545
Net interest income	$17,732,000	1,336
Provision for loan and lease losses	$0	4,227
Total noninterest income	$2,843,000	1,648
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,624,000	763
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,219,000	2,047
Total noninterest expense	$14,029,000	1,426
Salaries and employee benefits	$8,463,000	1,337
Premises and equipment expense	$1,083,000	1,998
Additional noninterest expense	$4,483,000	1,367
Pre-tax net operating income	$6,546,000	1,379
Securities gains (losses)	$0	2,243
Applicable income taxes	$181,000	3,024
Income before extraordinary items	$6,365,000	1,112
Extraordinary gains, net	$0	9
Net income	$6,365,000	1,112
Minority interest net income	$0	76
Net income of bank and minority interests.	$6,365,000	1,112
Net charge-offs	$-58,000	5,181
Cash dividends	$4,400,000	753
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$6,365,000	1,099
2017-09-30 (YTD Data)		Rank
Total interest income	$14,727,000	1,366
Total interest expense	$1,470,000	1,538
Net interest income	$13,257,000	1,347
Provision for loan and lease losses	$0	4,088
Total noninterest income	$2,107,000	1,673
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$1,195,000	784
Trading account gains and fees	NA	NA
Additional Noninterest Income	$912,000	2,091
Total noninterest expense	$10,495,000	1,428
Salaries and employee benefits	$6,324,000	1,343
Premises and equipment expense	$784,000	2,041
Additional noninterest expense	$3,387,000	1,354
Pre-tax net operating income	$4,869,000	1,397
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,119,000	1,372
Income before extraordinary items	$3,750,000	1,451
Extraordinary gains, net	$0	9
Net income	$3,750,000	1,450
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,750,000	1,451
Net charge-offs	$-122,000	5,397
Cash dividends	$3,200,000	729
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,750,000	1,433
2017-06-30 (YTD Data)		Rank
Total interest income	$9,815,000	1,364
Total interest expense	$955,000	1,535
Net interest income	$8,860,000	1,344
Provision for loan and lease losses	$0	3,871
Total noninterest income	$1,316,000	1,734
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$772,000	792
Trading account gains and fees	NA	NA
Additional Noninterest Income	$544,000	2,226
Total noninterest expense	$6,965,000	1,443
Salaries and employee benefits	$4,225,000	1,340
Premises and equipment expense	$485,000	2,167
Additional noninterest expense	$2,255,000	1,354
Pre-tax net operating income	$3,211,000	1,389
Securities gains (losses)	$0	1,906
Applicable income taxes	$735,000	1,348
Income before extraordinary items	$2,476,000	1,442
Extraordinary gains, net	$0	11
Net income	$2,476,000	1,442
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,476,000	1,443
Net charge-offs	$-102,000	5,447
Cash dividends	$3,200,000	514
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,476,000	1,423
2017-03-31 (YTD Data)		Rank
Total interest income	$4,860,000	1,363
Total interest expense	$454,000	1,574
Net interest income	$4,406,000	1,342
Provision for loan and lease losses	$0	3,537
Total noninterest income	$636,000	1,750
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$374,000	815
Trading account gains and fees	NA	NA
Additional Noninterest Income	$262,000	2,262
Total noninterest expense	$3,499,000	1,437
Salaries and employee benefits	$2,122,000	1,352
Premises and equipment expense	$248,000	2,160
Additional noninterest expense	$1,129,000	1,352
Pre-tax net operating income	$1,543,000	1,408
Securities gains (losses)	$0	1,153
Applicable income taxes	$370,000	1,320
Income before extraordinary items	$1,173,000	1,488
Extraordinary gains, net	$0	8
Net income	$1,173,000	1,488
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,173,000	1,488
Net charge-offs	$27,000	1,709
Cash dividends	$2,000,000	391
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$1,173,000	1,471
2016-12-31 (YTD Data)		Rank
Total interest income	$19,460,000	1,322
Total interest expense	$1,756,000	1,569
Net interest income	$17,704,000	1,304
Provision for loan and lease losses	$0	4,332
Total noninterest income	$2,695,000	1,765
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$1,539,000	815
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,156,000	2,225
Total noninterest expense	$14,048,000	1,390
Salaries and employee benefits	$8,160,000	1,350
Premises and equipment expense	$947,000	2,236
Additional noninterest expense	$4,941,000	1,269
Pre-tax net operating income	$6,351,000	1,336
Securities gains (losses)	$29,000	2,183
Applicable income taxes	$1,371,000	1,344
Income before extraordinary items	$5,009,000	1,388
Extraordinary gains, net	$0	5
Net income	$5,009,000	1,387
Minority interest net income	$0	82
Net income of bank and minority interests.	$5,009,000	1,387
Net charge-offs	$342,000	1,413
Cash dividends	$4,900,000	681
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$4,986,090	1,360
2016-09-30 (YTD Data)		Rank
Total interest income	$14,542,000	1,334
Total interest expense	$1,315,000	1,573
Net interest income	$13,227,000	1,314
Provision for loan and lease losses	$0	4,186
Total noninterest income	$2,028,000	1,761
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$1,162,000	815
Trading account gains and fees	$0	169
Additional Noninterest Income	$866,000	2,222
Total noninterest expense	$10,346,000	1,419
Salaries and employee benefits	$6,187,000	1,337
Premises and equipment expense	$706,000	2,241
Additional noninterest expense	$3,453,000	1,354
Pre-tax net operating income	$4,909,000	1,334
Securities gains (losses)	$20,000	2,307
Applicable income taxes	$1,066,000	1,352
Income before extraordinary items	$3,863,000	1,371
Extraordinary gains, net	$0	5
Net income	$3,863,000	1,372
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,863,000	1,372
Net charge-offs	$290,000	1,164
Cash dividends	$3,600,000	659
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$3,847,400	1,339
2016-06-30 (YTD Data)		Rank
Total interest income	$9,658,000	1,345
Total interest expense	$879,000	1,577
Net interest income	$8,779,000	1,326
Provision for loan and lease losses	$0	4,017
Total noninterest income	$1,351,000	1,748
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$759,000	814
Trading account gains and fees	$0	157
Additional Noninterest Income	$592,000	2,163
Total noninterest expense	$6,848,000	1,441
Salaries and employee benefits	$4,109,000	1,346
Premises and equipment expense	$452,000	2,312
Additional noninterest expense	$2,287,000	1,361
Pre-tax net operating income	$3,282,000	1,326
Securities gains (losses)	$0	2,835
Applicable income taxes	$696,000	1,360
Income before extraordinary items	$2,586,000	1,369
Extraordinary gains, net	$0	16
Net income	$2,586,000	1,368
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,586,000	1,369
Net charge-offs	$253,000	976
Cash dividends	$3,600,000	497
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,586,000	1,321
2016-03-31 (YTD Data)		Rank
Total interest income	$4,761,000	1,355
Total interest expense	$439,000	1,569
Net interest income	$4,322,000	1,338
Provision for loan and lease losses	$0	3,656
Total noninterest income	$685,000	1,693
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$373,000	828
Trading account gains and fees	$0	142
Additional Noninterest Income	$312,000	2,050
Total noninterest expense	$3,418,000	1,436
Salaries and employee benefits	$2,069,000	1,346
Premises and equipment expense	$236,000	2,254
Additional noninterest expense	$1,113,000	1,388
Pre-tax net operating income	$1,589,000	1,342
Securities gains (losses)	$0	2,077
Applicable income taxes	$340,000	1,373
Income before extraordinary items	$1,249,000	1,367
Extraordinary gains, net	$0	12
Net income	$1,249,000	1,367
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,249,000	1,368
Net charge-offs	$140,000	821
Cash dividends	$2,000,000	420
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,249,000	1,325
2015-12-31 (YTD Data)		Rank
Total interest income	$19,412,000	1,309
Total interest expense	$1,836,000	1,493
Net interest income	$17,576,000	1,287
Provision for loan and lease losses	$-100,000	5,729
Total noninterest income	$2,775,000	1,691
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$1,577,000	816
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,198,000	2,138
Total noninterest expense	$13,530,000	1,441
Salaries and employee benefits	$7,928,000	1,372
Premises and equipment expense	$908,000	2,325
Additional noninterest expense	$4,694,000	1,341
Pre-tax net operating income	$6,921,000	1,213
Securities gains (losses)	$26,000	2,080
Applicable income taxes	$1,574,000	1,204
Income before extraordinary items	$5,373,000	1,282
Extraordinary gains, net	$0	23
Net income	$5,373,000	1,282
Minority interest net income	$0	81
Net income of bank and minority interests.	$5,373,000	1,282
Net charge-offs	$1,372,000	536
Cash dividends	$3,181,000	930
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$5,352,980	1,261
2015-09-30 (YTD Data)		Rank
Total interest income	$14,583,000	1,312
Total interest expense	$1,398,000	1,496
Net interest income	$13,185,000	1,293
Provision for loan and lease losses	$250,000	1,694
Total noninterest income	$2,112,000	1,685
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$1,183,000	821
Trading account gains and fees	$0	153
Additional Noninterest Income	$929,000	2,122
Total noninterest expense	$10,224,000	1,427
Salaries and employee benefits	$6,033,000	1,355
Premises and equipment expense	$677,000	2,370
Additional noninterest expense	$3,514,000	1,341
Pre-tax net operating income	$4,823,000	1,312
Securities gains (losses)	$23,000	1,941
Applicable income taxes	$1,102,000	1,282
Income before extraordinary items	$3,744,000	1,363
Extraordinary gains, net	$0	21
Net income	$3,744,000	1,363
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,744,000	1,363
Net charge-offs	$1,334,000	385
Cash dividends	$1,681,000	1,127
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$3,726,290	1,340
2015-06-30 (YTD Data)		Rank
Total interest income	$9,684,000	1,328
Total interest expense	$944,000	1,482
Net interest income	$8,740,000	1,304
Provision for loan and lease losses	$225,000	1,382
Total noninterest income	$1,373,000	1,714
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$779,000	823
Trading account gains and fees	$0	157
Additional Noninterest Income	$594,000	2,201
Total noninterest expense	$6,798,000	1,442
Salaries and employee benefits	$4,038,000	1,354
Premises and equipment expense	$444,000	2,408
Additional noninterest expense	$2,316,000	1,352
Pre-tax net operating income	$3,090,000	1,345
Securities gains (losses)	$23,000	1,643
Applicable income taxes	$692,000	1,335
Income before extraordinary items	$2,421,000	1,379
Extraordinary gains, net	$0	22
Net income	$2,421,000	1,381
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,421,000	1,380
Net charge-offs	$1,950,000	225
Cash dividends	$1,681,000	824
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,403,060	1,351
2015-03-31 (YTD Data)		Rank
Total interest income	$4,824,000	1,329
Total interest expense	$474,000	1,467
Net interest income	$4,350,000	1,304
Provision for loan and lease losses	$150,000	1,060
Total noninterest income	$713,000	1,632
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$382,000	812
Trading account gains and fees	$0	152
Additional Noninterest Income	$331,000	1,985
Total noninterest expense	$3,399,000	1,437
Salaries and employee benefits	$2,038,000	1,360
Premises and equipment expense	$218,000	2,477
Additional noninterest expense	$1,143,000	1,350
Pre-tax net operating income	$1,514,000	1,325
Securities gains (losses)	$0	2,027
Applicable income taxes	$320,000	1,376
Income before extraordinary items	$1,194,000	1,385
Extraordinary gains, net	$0	13
Net income	$1,194,000	1,387
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,194,000	1,387
Net charge-offs	$-13,000	5,532
Cash dividends	$681,000	888
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,194,000	1,340
2014-12-31 (YTD Data)		Rank
Total interest income	$19,018,000	1,336
Total interest expense	$2,166,000	1,349
Net interest income	$16,852,000	1,328
Provision for loan and lease losses	$1,550,000	587
Total noninterest income	$2,388,000	1,862
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$1,711,000	788
Trading account gains and fees	$0	180
Additional Noninterest Income	$677,000	2,869
Total noninterest expense	$13,423,000	1,426
Salaries and employee benefits	$7,686,000	1,372
Premises and equipment expense	$984,000	2,274
Additional noninterest expense	$4,753,000	1,355
Pre-tax net operating income	$4,267,000	1,747
Securities gains (losses)	$0	3,259
Applicable income taxes	$898,000	1,661
Income before extraordinary items	$3,369,000	1,832
Extraordinary gains, net	$0	17
Net income	$3,369,000	1,832
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,369,000	1,831
Net charge-offs	$451,000	1,577
Cash dividends	$1,547,000	1,539
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,369,000	1,800
2014-09-30 (YTD Data)		Rank
Total interest income	$14,255,000	1,345
Total interest expense	$1,658,000	1,328
Net interest income	$12,597,000	1,331
Provision for loan and lease losses	$950,000	691
Total noninterest income	$1,721,000	1,928
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$1,281,000	793
Trading account gains and fees	$0	174
Additional Noninterest Income	$440,000	3,085
Total noninterest expense	$10,140,000	1,425
Salaries and employee benefits	$5,843,000	1,355
Premises and equipment expense	$753,000	2,255
Additional noninterest expense	$3,544,000	1,364
Pre-tax net operating income	$3,228,000	1,741
Securities gains (losses)	$0	2,980
Applicable income taxes	$662,000	1,711
Income before extraordinary items	$2,566,000	1,810
Extraordinary gains, net	$0	15
Net income	$2,566,000	1,810
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,566,000	1,809
Net charge-offs	$534,000	1,093
Cash dividends	$647,000	1,955
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,566,000	1,774
2014-06-30 (YTD Data)		Rank
Total interest income	$9,459,000	1,339
Total interest expense	$1,117,000	1,322
Net interest income	$8,342,000	1,330
Provision for loan and lease losses	$650,000	677
Total noninterest income	$1,387,000	1,638
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$841,000	801
Trading account gains and fees	$0	172
Additional Noninterest Income	$546,000	2,196
Total noninterest expense	$6,810,000	1,422
Salaries and employee benefits	$3,908,000	1,355
Premises and equipment expense	$517,000	2,213
Additional noninterest expense	$2,385,000	1,352
Pre-tax net operating income	$2,269,000	1,636
Securities gains (losses)	$0	2,580
Applicable income taxes	$472,000	1,595
Income before extraordinary items	$1,797,000	1,687
Extraordinary gains, net	$0	20
Net income	$1,797,000	1,690
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,797,000	1,689
Net charge-offs	$325,000	1,198
Cash dividends	$647,000	1,560
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,797,000	1,657
2014-03-31 (YTD Data)		Rank
Total interest income	$4,687,000	1,351
Total interest expense	$570,000	1,320
Net interest income	$4,117,000	1,342
Provision for loan and lease losses	$300,000	685
Total noninterest income	$698,000	1,602
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$401,000	811
Trading account gains and fees	$0	147
Additional Noninterest Income	$297,000	2,016
Total noninterest expense	$3,368,000	1,445
Salaries and employee benefits	$2,033,000	1,327
Premises and equipment expense	$242,000	2,366
Additional noninterest expense	$1,093,000	1,439
Pre-tax net operating income	$1,147,000	1,577
Securities gains (losses)	$0	1,715
Applicable income taxes	$232,000	1,574
Income before extraordinary items	$915,000	1,605
Extraordinary gains, net	$0	16
Net income	$915,000	1,608
Minority interest net income	$0	66
Net income of bank and minority interests.	$915,000	1,608
Net charge-offs	$156,000	1,098
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$915,000	1,573
2013-12-31 (YTD Data)		Rank
Total interest income	$20,407,000	1,242
Total interest expense	$2,936,000	1,150
Net interest income	$17,471,000	1,261
Provision for loan and lease losses	$1,000,000	1,089
Total noninterest income	$2,741,000	1,732
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$1,837,000	760
Trading account gains and fees	$0	184
Additional Noninterest Income	$904,000	2,502
Total noninterest expense	$13,384,000	1,462
Salaries and employee benefits	$7,832,000	1,355
Premises and equipment expense	$1,085,000	2,094
Additional noninterest expense	$4,467,000	1,485
Pre-tax net operating income	$5,828,000	1,265
Securities gains (losses)	$31,000	2,112
Applicable income taxes	$1,549,000	1,100
Income before extraordinary items	$4,310,000	1,397
Extraordinary gains, net	$0	29
Net income	$4,310,000	1,400
Minority interest net income	$0	90
Net income of bank and minority interests.	$4,310,000	1,400
Net charge-offs	$1,356,000	1,007
Cash dividends	$2,244,000	1,099
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$4,287,060	1,383
2013-09-30 (YTD Data)		Rank
Total interest income	$15,448,000	1,242
Total interest expense	$2,266,000	1,156
Net interest income	$13,182,000	1,250
Provision for loan and lease losses	$800,000	1,047
Total noninterest income	$2,085,000	1,739
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$1,401,000	751
Trading account gains and fees	$0	180
Additional Noninterest Income	$684,000	2,541
Total noninterest expense	$10,095,000	1,462
Salaries and employee benefits	$5,945,000	1,342
Premises and equipment expense	$825,000	2,088
Additional noninterest expense	$3,325,000	1,493
Pre-tax net operating income	$4,372,000	1,290
Securities gains (losses)	$31,000	1,973
Applicable income taxes	$1,152,000	1,126
Income before extraordinary items	$3,251,000	1,394
Extraordinary gains, net	$0	25
Net income	$3,251,000	1,396
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,251,000	1,396
Net charge-offs	$576,000	1,456
Cash dividends	$1,144,000	1,318
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$3,228,060	1,374
2013-06-30 (YTD Data)		Rank
Total interest income	$10,357,000	1,230
Total interest expense	$1,562,000	1,145
Net interest income	$8,795,000	1,238
Provision for loan and lease losses	$500,000	1,162
Total noninterest income	$1,387,000	1,752
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$934,000	740
Trading account gains and fees	$0	157
Additional Noninterest Income	$453,000	2,617
Total noninterest expense	$6,722,000	1,466
Salaries and employee benefits	$4,026,000	1,323
Premises and equipment expense	$510,000	2,239
Additional noninterest expense	$2,186,000	1,494
Pre-tax net operating income	$2,960,000	1,259
Securities gains (losses)	$0	2,791
Applicable income taxes	$764,000	1,128
Income before extraordinary items	$2,196,000	1,381
Extraordinary gains, net	$0	22
Net income	$2,196,000	1,383
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,196,000	1,384
Net charge-offs	$25,000	3,858
Cash dividends	$550,000	1,604
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$2,196,000	1,318
2013-03-31 (YTD Data)		Rank
Total interest income	$5,231,000	1,230
Total interest expense	$806,000	1,149
Net interest income	$4,425,000	1,232
Provision for loan and lease losses	$300,000	980
Total noninterest income	$685,000	1,763
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$457,000	756
Trading account gains and fees	$0	148
Additional Noninterest Income	$228,000	2,587
Total noninterest expense	$3,361,000	1,475
Salaries and employee benefits	$2,021,000	1,324
Premises and equipment expense	$256,000	2,269
Additional noninterest expense	$1,084,000	1,498
Pre-tax net operating income	$1,449,000	1,257
Securities gains (losses)	$0	1,966
Applicable income taxes	$382,000	1,123
Income before extraordinary items	$1,067,000	1,386
Extraordinary gains, net	$0	10
Net income	$1,067,000	1,388
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,067,000	1,388
Net charge-offs	$-4,000	5,794
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$1,067,000	1,333
2012-12-31 (YTD Data)		Rank
Total interest income	$21,252,000	1,249
Total interest expense	$3,879,000	1,153
Net interest income	$17,373,000	1,264
Provision for loan and lease losses	$795,000	2,090
Total noninterest income	$2,930,000	1,658
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$2,101,000	675
Trading account gains and fees	$0	166
Additional Noninterest Income	$829,000	2,626
Total noninterest expense	$13,500,000	1,453
Salaries and employee benefits	$7,815,000	1,321
Premises and equipment expense	$1,150,000	2,019
Additional noninterest expense	$4,535,000	1,485
Pre-tax net operating income	$6,008,000	1,175
Securities gains (losses)	$0	3,810
Applicable income taxes	$1,554,000	1,075
Income before extraordinary items	$4,454,000	1,324
Extraordinary gains, net	$0	29
Net income	$4,454,000	1,325
Minority interest net income	$0	93
Net income of bank and minority interests.	$4,454,000	1,325
Net charge-offs	$564,000	2,492
Cash dividends	$3,125,000	839
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$4,454,000	1,263
2012-09-30 (YTD Data)		Rank
Total interest income	$16,008,000	1,273
Total interest expense	$2,964,000	1,195
Net interest income	$13,044,000	1,277
Provision for loan and lease losses	$735,000	1,810
Total noninterest income	$2,168,000	1,690
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$1,587,000	679
Trading account gains and fees	$0	157
Additional Noninterest Income	$581,000	2,722
Total noninterest expense	$10,189,000	1,444
Salaries and employee benefits	$5,894,000	1,310
Premises and equipment expense	$893,000	1,975
Additional noninterest expense	$3,402,000	1,488
Pre-tax net operating income	$4,288,000	1,252
Securities gains (losses)	$0	3,575
Applicable income taxes	$1,090,000	1,154
Income before extraordinary items	$3,198,000	1,407
Extraordinary gains, net	$0	20
Net income	$3,198,000	1,408
Minority interest net income	$0	86
Net income of bank and minority interests.	$3,198,000	1,408
Net charge-offs	$367,000	2,565
Cash dividends	$2,600,000	620
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$3,198,000	1,327
2012-06-30 (YTD Data)		Rank
Total interest income	$10,693,000	1,288
Total interest expense	$2,004,000	1,221
Net interest income	$8,689,000	1,281
Provision for loan and lease losses	$585,000	1,648
Total noninterest income	$1,412,000	1,699
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$1,048,000	680
Trading account gains and fees	$0	153
Additional Noninterest Income	$364,000	2,786
Total noninterest expense	$6,719,000	1,456
Salaries and employee benefits	$3,905,000	1,321
Premises and equipment expense	$556,000	2,086
Additional noninterest expense	$2,258,000	1,499
Pre-tax net operating income	$2,797,000	1,274
Securities gains (losses)	$0	3,178
Applicable income taxes	$680,000	1,201
Income before extraordinary items	$2,117,000	1,406
Extraordinary gains, net	$0	19
Net income	$2,117,000	1,406
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,117,000	1,406
Net charge-offs	$241,000	2,537
Cash dividends	$1,475,000	710
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$2,117,000	1,323
2012-03-31 (YTD Data)		Rank
Total interest income	$5,371,000	1,286
Total interest expense	$1,030,000	1,236
Net interest income	$4,341,000	1,278
Provision for loan and lease losses	$360,000	1,338
Total noninterest income	$768,000	1,579
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$521,000	683
Trading account gains and fees	$0	148
Additional Noninterest Income	$247,000	2,360
Total noninterest expense	$3,366,000	1,463
Salaries and employee benefits	$1,930,000	1,335
Premises and equipment expense	$277,000	2,107
Additional noninterest expense	$1,159,000	1,449
Pre-tax net operating income	$1,383,000	1,264
Securities gains (losses)	$0	2,210
Applicable income taxes	$324,000	1,230
Income before extraordinary items	$1,059,000	1,376
Extraordinary gains, net	$0	19
Net income	$1,059,000	1,377
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,059,000	1,377
Net charge-offs	$41,000	3,172
Cash dividends	$650,000	708
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$1,059,000	1,304
2011-12-31 (YTD Data)		Rank
Total interest income	$22,105,000	1,292
Total interest expense	$4,762,000	1,278
Net interest income	$17,343,000	1,282
Provision for loan and lease losses	$2,050,000	1,541
Total noninterest income	$3,142,000	1,450
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$2,238,000	657
Trading account gains and fees	$0	146
Additional Noninterest Income	$904,000	2,282
Total noninterest expense	$13,464,000	1,441
Salaries and employee benefits	$7,420,000	1,337
Premises and equipment expense	$1,149,000	2,139
Additional noninterest expense	$4,895,000	1,408
Pre-tax net operating income	$4,971,000	1,181
Securities gains (losses)	$95,000	2,110
Applicable income taxes	$1,177,000	1,201
Income before extraordinary items	$3,889,000	1,284
Extraordinary gains, net	$0	29
Net income	$3,889,000	1,284
Minority interest net income	$0	96
Net income of bank and minority interests.	$3,889,000	1,284
Net charge-offs	$1,286,000	2,071
Cash dividends	$2,047,000	936
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$3,815,850	1,231
2011-09-30 (YTD Data)		Rank
Total interest income	$16,627,000	1,301
Total interest expense	$3,665,000	1,301
Net interest income	$12,962,000	1,292
Provision for loan and lease losses	$1,430,000	1,553
Total noninterest income	$2,317,000	1,448
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$1,670,000	664
Trading account gains and fees	$0	145
Additional Noninterest Income	$647,000	2,322
Total noninterest expense	$10,292,000	1,426
Salaries and employee benefits	$5,707,000	1,301
Premises and equipment expense	$845,000	2,187
Additional noninterest expense	$3,740,000	1,383
Pre-tax net operating income	$3,557,000	1,276
Securities gains (losses)	$95,000	1,838
Applicable income taxes	$819,000	1,264
Income before extraordinary items	$2,833,000	1,362
Extraordinary gains, net	$0	21
Net income	$2,833,000	1,362
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,833,000	1,362
Net charge-offs	$889,000	2,024
Cash dividends	$1,497,000	856
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,758,900	1,317
2011-06-30 (YTD Data)		Rank
Total interest income	$11,133,000	1,309
Total interest expense	$2,485,000	1,322
Net interest income	$8,648,000	1,288
Provision for loan and lease losses	$900,000	1,580
Total noninterest income	$1,520,000	1,465
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$1,074,000	683
Trading account gains and fees	$0	153
Additional Noninterest Income	$446,000	2,271
Total noninterest expense	$7,085,000	1,398
Salaries and employee benefits	$3,971,000	1,254
Premises and equipment expense	$570,000	2,196
Additional noninterest expense	$2,544,000	1,375
Pre-tax net operating income	$2,183,000	1,338
Securities gains (losses)	$56,000	1,520
Applicable income taxes	$467,000	1,384
Income before extraordinary items	$1,772,000	1,399
Extraordinary gains, net	$0	15
Net income	$1,772,000	1,399
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,772,000	1,399
Net charge-offs	$391,000	2,391
Cash dividends	$1,097,000	757
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,727,760	1,366
2011-03-31 (YTD Data)		Rank
Total interest income	$5,505,000	1,334
Total interest expense	$1,262,000	1,346
Net interest income	$4,243,000	1,320
Provision for loan and lease losses	$480,000	1,455
Total noninterest income	$730,000	1,525
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$503,000	709
Trading account gains and fees	$0	158
Additional Noninterest Income	$227,000	2,294
Total noninterest expense	$3,576,000	1,396
Salaries and employee benefits	$1,974,000	1,269
Premises and equipment expense	$278,000	2,278
Additional noninterest expense	$1,324,000	1,325
Pre-tax net operating income	$917,000	1,567
Securities gains (losses)	$56,000	723
Applicable income taxes	$179,000	1,615
Income before extraordinary items	$794,000	1,493
Extraordinary gains, net	$0	9
Net income	$794,000	1,493
Minority interest net income	$0	86
Net income of bank and minority interests.	$794,000	1,493
Net charge-offs	$270,000	1,847
Cash dividends	$550,000	674
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$748,080	1,530
2010-12-31 (YTD Data)		Rank
Total interest income	$23,200,000	1,326
Total interest expense	$5,872,000	1,417
Net interest income	$17,328,000	1,293
Provision for loan and lease losses	$2,900,000	1,651
Total noninterest income	$3,036,000	1,540
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$2,190,000	682
Trading account gains and fees	$0	175
Additional Noninterest Income	$846,000	2,418
Total noninterest expense	$13,709,000	1,443
Salaries and employee benefits	$7,682,000	1,278
Premises and equipment expense	$1,214,000	2,078
Additional noninterest expense	$4,813,000	1,500
Pre-tax net operating income	$3,755,000	1,331
Securities gains (losses)	$0	3,793
Applicable income taxes	$695,000	1,573
Income before extraordinary items	$3,060,000	1,378
Extraordinary gains, net	$0	29
Net income	$3,060,000	1,381
Minority interest net income	$0	111
Net income of bank and minority interests.	$3,060,000	1,382
Net charge-offs	$3,150,000	1,427
Cash dividends	$2,300,000	723
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$3,060,000	1,333
2010-09-30 (YTD Data)		Rank
Total interest income	$17,339,000	1,349
Total interest expense	$4,503,000	1,437
Net interest income	$12,836,000	1,325
Provision for loan and lease losses	$1,700,000	1,833
Total noninterest income	$2,261,000	1,541
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$1,630,000	707
Trading account gains and fees	$0	165
Additional Noninterest Income	$631,000	2,413
Total noninterest expense	$10,416,000	1,427
Salaries and employee benefits	$5,834,000	1,267
Premises and equipment expense	$932,000	2,062
Additional noninterest expense	$3,650,000	1,452
Pre-tax net operating income	$2,981,000	1,339
Securities gains (losses)	$0	3,651
Applicable income taxes	$570,000	1,531
Income before extraordinary items	$2,411,000	1,377
Extraordinary gains, net	$0	23
Net income	$2,411,000	1,380
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,411,000	1,381
Net charge-offs	$2,002,000	1,509
Cash dividends	$1,750,000	615
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$2,411,000	1,329
2010-06-30 (YTD Data)		Rank
Total interest income	$11,619,000	1,360
Total interest expense	$3,043,000	1,473
Net interest income	$8,576,000	1,330
Provision for loan and lease losses	$900,000	2,046
Total noninterest income	$1,467,000	1,522
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$1,052,000	735
Trading account gains and fees	$0	152
Additional Noninterest Income	$415,000	2,362
Total noninterest expense	$6,904,000	1,429
Salaries and employee benefits	$3,850,000	1,277
Premises and equipment expense	$610,000	2,119
Additional noninterest expense	$2,444,000	1,454
Pre-tax net operating income	$2,239,000	1,176
Securities gains (losses)	$0	3,184
Applicable income taxes	$459,000	1,301
Income before extraordinary items	$1,780,000	1,249
Extraordinary gains, net	$0	19
Net income	$1,780,000	1,250
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,780,000	1,250
Net charge-offs	$833,000	1,898
Cash dividends	$1,250,000	560
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,780,000	1,207
2010-03-31 (YTD Data)		Rank
Total interest income	$5,799,000	1,400
Total interest expense	$1,567,000	1,508
Net interest income	$4,232,000	1,357
Provision for loan and lease losses	$450,000	1,922
Total noninterest income	$674,000	1,640
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$493,000	788
Trading account gains and fees	$0	175
Additional Noninterest Income	$181,000	2,538
Total noninterest expense	$3,408,000	1,472
Salaries and employee benefits	$1,891,000	1,330
Premises and equipment expense	$317,000	2,105
Additional noninterest expense	$1,200,000	1,475
Pre-tax net operating income	$1,048,000	1,254
Securities gains (losses)	$0	2,284
Applicable income taxes	$196,000	1,446
Income before extraordinary items	$852,000	1,284
Extraordinary gains, net	$0	16
Net income	$852,000	1,287
Minority interest net income	$0	91
Net income of bank and minority interests.	$852,000	1,286
Net charge-offs	$117,000	2,969
Cash dividends	$950,000	361
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$852,000	1,247
2009-12-31 (YTD Data)		Rank
Total interest income	$24,225,000	1,426
Total interest expense	$7,739,000	1,519
Net interest income	$16,486,000	1,349
Provision for loan and lease losses	$1,880,000	2,566
Total noninterest income	$2,869,000	1,668
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$2,236,000	760
Trading account gains and fees	$0	211
Additional Noninterest Income	$633,000	2,823
Total noninterest expense	$13,479,000	1,533
Salaries and employee benefits	$7,297,000	1,382
Premises and equipment expense	$1,285,000	2,083
Additional noninterest expense	$4,897,000	1,521
Pre-tax net operating income	$3,996,000	1,039
Securities gains (losses)	$0	3,754
Applicable income taxes	$814,000	1,120
Income before extraordinary items	$3,182,000	1,055
Extraordinary gains, net	$0	34
Net income	$3,182,000	1,052
Minority interest net income	$0	115
Net income of bank and minority interests.	$3,182,000	1,054
Net charge-offs	$2,488,000	1,800
Cash dividends	$2,200,000	826
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$3,182,000	1,053
2009-09-30 (YTD Data)		Rank
Total interest income	$18,353,000	1,431
Total interest expense	$5,960,000	1,554
Net interest income	$12,393,000	1,345
Provision for loan and lease losses	$1,520,000	2,190
Total noninterest income	$2,237,000	1,636
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$1,633,000	776
Trading account gains and fees	$0	212
Additional Noninterest Income	$604,000	2,511
Total noninterest expense	$9,866,000	1,559
Salaries and employee benefits	$5,497,000	1,385
Premises and equipment expense	$923,000	2,185
Additional noninterest expense	$3,446,000	1,565
Pre-tax net operating income	$3,244,000	1,007
Securities gains (losses)	$0	3,497
Applicable income taxes	$683,000	1,112
Income before extraordinary items	$2,561,000	1,070
Extraordinary gains, net	$0	27
Net income	$2,561,000	1,069
Minority interest net income	$0	118
Net income of bank and minority interests.	$2,561,000	1,070
Net charge-offs	$1,868,000	1,566
Cash dividends	$1,875,000	684
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,561,000	1,050
2009-06-30 (YTD Data)		Rank
Total interest income	$12,223,000	1,464
Total interest expense	$4,068,000	1,603
Net interest income	$8,155,000	1,367
Provision for loan and lease losses	$650,000	2,587
Total noninterest income	$1,423,000	1,711
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$1,001,000	838
Trading account gains and fees	$0	193
Additional Noninterest Income	$422,000	2,470
Total noninterest expense	$6,571,000	1,588
Salaries and employee benefits	$3,658,000	1,424
Premises and equipment expense	$583,000	2,321
Additional noninterest expense	$2,330,000	1,570
Pre-tax net operating income	$2,357,000	966
Securities gains (losses)	$0	3,136
Applicable income taxes	$514,000	1,063
Income before extraordinary items	$1,843,000	1,033
Extraordinary gains, net	$0	21
Net income	$1,843,000	1,032
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,843,000	1,033
Net charge-offs	$1,036,000	1,607
Cash dividends	$1,575,000	566
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,843,000	1,002
2009-03-31 (YTD Data)		Rank
Total interest income	$6,077,000	1,490
Total interest expense	$2,091,000	1,618
Net interest income	$3,986,000	1,387
Provision for loan and lease losses	$300,000	2,285
Total noninterest income	$596,000	1,887
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$444,000	926
Trading account gains and fees	$0	171
Additional Noninterest Income	$152,000	2,939
Total noninterest expense	$3,189,000	1,578
Salaries and employee benefits	$1,843,000	1,422
Premises and equipment expense	$283,000	2,421
Additional noninterest expense	$1,063,000	1,513
Pre-tax net operating income	$1,093,000	1,175
Securities gains (losses)	$0	2,434
Applicable income taxes	$225,000	1,327
Income before extraordinary items	$868,000	1,258
Extraordinary gains, net	$0	15
Net income	$868,000	1,259
Minority interest net income	$0	102
Net income of bank and minority interests.	$868,000	1,260
Net charge-offs	$797,000	1,076
Cash dividends	$925,000	495
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$868,000	1,185
2008-12-31 (YTD Data)		Rank
Total interest income	$25,056,000	1,549
Total interest expense	$9,755,000	1,664
Net interest income	$15,301,000	1,461
Provision for loan and lease losses	$1,280,000	2,364
Total noninterest income	$2,655,000	1,737
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$2,053,000	859
Trading account gains and fees	$0	154
Additional Noninterest Income	$602,000	2,888
Total noninterest expense	$12,840,000	1,519
Salaries and employee benefits	$7,213,000	1,421
Premises and equipment expense	$1,189,000	2,264
Additional noninterest expense	$4,438,000	1,399
Pre-tax net operating income	$3,836,000	1,419
Securities gains (losses)	$0	3,220
Applicable income taxes	$822,000	1,375
Income before extraordinary items	$3,014,000	1,354
Extraordinary gains, net	$0	39
Net income	$3,014,000	1,356
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,500,000	1,560
Cash dividends	$1,860,000	1,448
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$3,014,000	1,452
2008-09-30 (YTD Data)		Rank
Total interest income	$18,805,000	1,584
Total interest expense	$7,574,000	1,664
Net interest income	$11,231,000	1,508
Provision for loan and lease losses	$585,000	2,514
Total noninterest income	$1,977,000	1,784
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$1,532,000	863
Trading account gains and fees	$0	148
Additional Noninterest Income	$445,000	3,000
Total noninterest expense	$9,613,000	1,521
Salaries and employee benefits	$5,416,000	1,446
Premises and equipment expense	$960,000	2,121
Additional noninterest expense	$3,237,000	1,384
Pre-tax net operating income	$3,010,000	1,618
Securities gains (losses)	$0	3,106
Applicable income taxes	$648,000	1,611
Income before extraordinary items	$2,362,000	1,534
Extraordinary gains, net	$0	31
Net income	$2,362,000	1,532
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$754,000	1,547
Cash dividends	$960,000	1,879
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,362,000	1,621
2008-06-30 (YTD Data)		Rank
Total interest income	$12,570,000	1,610
Total interest expense	$5,292,000	1,659
Net interest income	$7,278,000	1,538
Provision for loan and lease losses	$390,000	2,193
Total noninterest income	$1,301,000	1,821
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$998,000	876
Trading account gains and fees	$0	149
Additional Noninterest Income	$303,000	2,999
Total noninterest expense	$6,480,000	1,492
Salaries and employee benefits	$3,599,000	1,463
Premises and equipment expense	$641,000	2,103
Additional noninterest expense	$2,240,000	1,324
Pre-tax net operating income	$1,709,000	1,947
Securities gains (losses)	$0	3,233
Applicable income taxes	$317,000	2,158
Income before extraordinary items	$1,392,000	1,921
Extraordinary gains, net	$0	21
Net income	$1,392,000	1,923
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$624,000	1,148
Cash dividends	$660,000	1,933
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,392,000	1,888
2008-03-31 (YTD Data)		Rank
Total interest income	$6,366,000	1,633
Total interest expense	$2,829,000	1,659
Net interest income	$3,537,000	1,571
Provision for loan and lease losses	$195,000	1,849
Total noninterest income	$597,000	1,965
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$483,000	892
Trading account gains and fees	$0	158
Additional Noninterest Income	$114,000	3,537
Total noninterest expense	$3,189,000	1,505
Salaries and employee benefits	$1,777,000	1,500
Premises and equipment expense	$330,000	2,053
Additional noninterest expense	$1,082,000	1,329
Pre-tax net operating income	$750,000	2,285
Securities gains (losses)	$0	2,688
Applicable income taxes	$127,000	2,519
Income before extraordinary items	$623,000	2,242
Extraordinary gains, net	$0	15
Net income	$623,000	2,245
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$133,000	1,565
Cash dividends	$260,000	2,030
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$623,000	2,166
2007-12-31 (YTD Data)		Rank
Total interest income	$11,129,000	3,498
Total interest expense	$5,286,000	3,325
Net interest income	$5,843,000	3,572
Provision for loan and lease losses	$395,000	2,723
Total noninterest income	$1,457,000	2,758
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$986,000	1,788
Trading account gains and fees	$0	178
Additional Noninterest Income	$471,000	3,420
Total noninterest expense	$4,587,000	3,703
Salaries and employee benefits	$2,638,000	3,579
Premises and equipment expense	$424,000	4,849
Additional noninterest expense	$1,525,000	3,364
Pre-tax net operating income	$2,318,000	2,995
Securities gains (losses)	$0	2,146
Applicable income taxes	$565,000	2,589
Income before extraordinary items	$1,753,000	3,105
Extraordinary gains, net	$0	39
Net income	$1,753,000	3,104
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$422,000	1,896
Cash dividends	$700,000	3,186
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,753,000	3,094
2007-09-30 (YTD Data)		Rank
Total interest income	$8,355,000	3,498
Total interest expense	$3,952,000	3,324
Net interest income	$4,403,000	3,565
Provision for loan and lease losses	$305,000	2,287
Total noninterest income	$1,152,000	2,667
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$729,000	1,790
Trading account gains and fees	$0	184
Additional Noninterest Income	$423,000	3,104
Total noninterest expense	$3,469,000	3,662
Salaries and employee benefits	$2,013,000	3,511
Premises and equipment expense	$311,000	4,903
Additional noninterest expense	$1,145,000	3,318
Pre-tax net operating income	$1,781,000	3,087
Securities gains (losses)	$0	1,655
Applicable income taxes	$431,000	2,722
Income before extraordinary items	$1,350,000	3,202
Extraordinary gains, net	$0	33
Net income	$1,350,000	3,201
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$272,000	1,626
Cash dividends	$600,000	2,668
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,350,000	3,183
2007-06-30 (YTD Data)		Rank
Total interest income	$5,517,000	3,529
Total interest expense	$2,611,000	3,331
Net interest income	$2,906,000	3,630
Provision for loan and lease losses	$150,000	2,579
Total noninterest income	$711,000	2,801
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$480,000	1,813
Trading account gains and fees	$0	168
Additional Noninterest Income	$231,000	3,510
Total noninterest expense	$2,341,000	3,648
Salaries and employee benefits	$1,339,000	3,550
Premises and equipment expense	$205,000	4,959
Additional noninterest expense	$797,000	3,202
Pre-tax net operating income	$1,126,000	3,250
Securities gains (losses)	$0	1,444
Applicable income taxes	$268,000	2,881
Income before extraordinary items	$858,000	3,364
Extraordinary gains, net	$0	29
Net income	$858,000	3,363
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	3,525
Cash dividends	$600,000	2,169
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$858,000	3,344
2007-03-31 (YTD Data)		Rank
Total interest income	$2,764,000	3,511
Total interest expense	$1,276,000	3,378
Net interest income	$1,488,000	3,557
Provision for loan and lease losses	$75,000	2,404
Total noninterest income	$389,000	2,610
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$229,000	1,844
Trading account gains and fees	$0	195
Additional Noninterest Income	$160,000	2,899
Total noninterest expense	$1,186,000	3,600
Salaries and employee benefits	$672,000	3,570
Premises and equipment expense	$108,000	4,816
Additional noninterest expense	$406,000	3,133
Pre-tax net operating income	$616,000	3,067
Securities gains (losses)	$0	1,187
Applicable income taxes	$153,000	2,727
Income before extraordinary items	$463,000	3,188
Extraordinary gains, net	$0	22
Net income	$463,000	3,188
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	2,191
Cash dividends	$200,000	2,393
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$463,000	3,161
2006-12-31 (YTD Data)		Rank
Total interest income	$10,369,000	3,479
Total interest expense	$4,594,000	3,253
Net interest income	$5,775,000	3,626
Provision for loan and lease losses	$765,000	1,317
Total noninterest income	$1,112,000	3,303
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$968,000	1,798
Trading account gains and fees	$0	130
Additional Noninterest Income	$144,000	5,694
Total noninterest expense	$4,800,000	3,463
Salaries and employee benefits	$2,603,000	3,504
Premises and equipment expense	$403,000	4,890
Additional noninterest expense	$1,794,000	2,827
Pre-tax net operating income	$1,322,000	4,568
Securities gains (losses)	$0	1,687
Applicable income taxes	$259,000	3,993
Income before extraordinary items	$1,063,000	4,576
Extraordinary gains, net	$0	51
Net income	$1,063,000	4,578
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$920,000	740
Cash dividends	$2,620,000	1,250
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,063,000	4,566
2006-09-30 (YTD Data)		Rank
Total interest income	$7,765,000	3,462
Total interest expense	$3,379,000	3,196
Net interest income	$4,386,000	3,611
Provision for loan and lease losses	$413,000	1,652
Total noninterest income	$813,000	3,362
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$716,000	1,825
Trading account gains and fees	$0	126
Additional Noninterest Income	$97,000	5,900
Total noninterest expense	$3,613,000	3,441
Salaries and employee benefits	$1,956,000	3,506
Premises and equipment expense	$302,000	4,924
Additional noninterest expense	$1,355,000	2,792
Pre-tax net operating income	$1,173,000	4,352
Securities gains (losses)	$0	1,388
Applicable income taxes	$260,000	3,779
Income before extraordinary items	$913,000	4,379
Extraordinary gains, net	$0	45
Net income	$913,000	4,383
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$597,000	701
Cash dividends	$1,870,000	1,216
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$913,000	4,370
2006-06-30 (YTD Data)		Rank
Total interest income	$5,251,000	3,370
Total interest expense	$2,232,000	3,117
Net interest income	$3,019,000	3,532
Provision for loan and lease losses	$373,000	1,236
Total noninterest income	$533,000	3,368
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$457,000	1,876
Trading account gains and fees	$0	126
Additional Noninterest Income	$76,000	5,653
Total noninterest expense	$2,366,000	3,494
Salaries and employee benefits	$1,299,000	3,525
Premises and equipment expense	$196,000	5,000
Additional noninterest expense	$871,000	2,907
Pre-tax net operating income	$813,000	4,302
Securities gains (losses)	$0	1,185
Applicable income taxes	$161,000	3,915
Income before extraordinary items	$652,000	4,237
Extraordinary gains, net	$0	39
Net income	$652,000	4,241
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$296,000	840
Cash dividends	$1,420,000	1,092
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$652,000	4,227
2006-03-31 (YTD Data)		Rank
Total interest income	$2,595,000	3,344
Total interest expense	$1,107,000	3,008
Net interest income	$1,488,000	3,558
Provision for loan and lease losses	$253,000	911
Total noninterest income	$251,000	3,458
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$191,000	2,123
Trading account gains and fees	$0	115
Additional Noninterest Income	$60,000	4,759
Total noninterest expense	$1,164,000	3,554
Salaries and employee benefits	$652,000	3,531
Premises and equipment expense	$97,000	5,056
Additional noninterest expense	$415,000	3,014
Pre-tax net operating income	$322,000	4,780
Securities gains (losses)	$0	955
Applicable income taxes	$57,000	4,336
Income before extraordinary items	$265,000	4,722
Extraordinary gains, net	$0	21
Net income	$265,000	4,722
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$217,000	586
Cash dividends	$650,000	1,078
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$265,000	4,702
2005-12-31 (YTD Data)		Rank
Total interest income	$10,428,000	3,046
Total interest expense	$4,052,000	2,634
Net interest income	$6,376,000	3,262
Provision for loan and lease losses	$1,362,000	784
Total noninterest income	$800,000	4,048
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$703,000	2,344
Trading account gains and fees	$0	138
Additional Noninterest Income	$97,000	6,449
Total noninterest expense	$4,643,000	3,438
Salaries and employee benefits	$2,407,000	3,592
Premises and equipment expense	$619,000	3,561
Additional noninterest expense	$1,617,000	3,052
Pre-tax net operating income	$1,171,000	4,956
Securities gains (losses)	$0	2,296
Applicable income taxes	$216,000	4,571
Income before extraordinary items	$955,000	4,939
Extraordinary gains, net	$0	46
Net income	$955,000	4,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,351,000	343
Cash dividends	$300,000	4,372
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$955,000	4,912
2005-09-30 (YTD Data)		Rank
Total interest income	$7,748,000	3,014
Total interest expense	$2,929,000	2,588
Net interest income	$4,819,000	3,239
Provision for loan and lease losses	$636,000	1,156
Total noninterest income	$697,000	3,739
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$524,000	2,349
Trading account gains and fees	$0	126
Additional Noninterest Income	$173,000	4,923
Total noninterest expense	$3,548,000	3,360
Salaries and employee benefits	$1,788,000	3,591
Premises and equipment expense	$498,000	3,366
Additional noninterest expense	$1,262,000	2,913
Pre-tax net operating income	$1,332,000	4,057
Securities gains (losses)	$0	2,317
Applicable income taxes	$314,000	3,734
Income before extraordinary items	$1,018,000	4,106
Extraordinary gains, net	$0	35
Net income	$1,018,000	4,106
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,087,000	292
Cash dividends	$300,000	3,493
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,018,000	4,066
2005-06-30 (YTD Data)		Rank
Total interest income	$5,098,000	2,988
Total interest expense	$1,846,000	2,579
Net interest income	$3,252,000	3,189
Provision for loan and lease losses	$410,000	1,163
Total noninterest income	$479,000	3,630
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$349,000	2,315
Trading account gains and fees	$0	116
Additional Noninterest Income	$130,000	4,617
Total noninterest expense	$2,418,000	3,284
Salaries and employee benefits	$1,194,000	3,573
Premises and equipment expense	$329,000	3,364
Additional noninterest expense	$895,000	2,720
Pre-tax net operating income	$903,000	3,981
Securities gains (losses)	$0	2,146
Applicable income taxes	$209,000	3,716
Income before extraordinary items	$694,000	4,014
Extraordinary gains, net	$0	30
Net income	$694,000	4,016
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,583,000	265
Cash dividends	$150,000	3,809
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$694,000	3,956
2005-03-31 (YTD Data)		Rank
Total interest income	$2,514,000	2,981
Total interest expense	$890,000	2,561
Net interest income	$1,624,000	3,182
Provision for loan and lease losses	$140,000	1,548
Total noninterest income	$207,000	3,890
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$160,000	2,428
Trading account gains and fees	$0	115
Additional Noninterest Income	$47,000	5,321
Total noninterest expense	$1,203,000	3,303
Salaries and employee benefits	$583,000	3,651
Premises and equipment expense	$167,000	3,348
Additional noninterest expense	$453,000	2,675
Pre-tax net operating income	$488,000	3,742
Securities gains (losses)	$0	1,685
Applicable income taxes	$115,000	3,530
Income before extraordinary items	$373,000	3,801
Extraordinary gains, net	$0	24
Net income	$373,000	3,803
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,205,000	207
Cash dividends	$150,000	2,522
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$373,000	3,760
2004-12-31 (YTD Data)		Rank
Total interest income	$10,157,000	2,791
Total interest expense	$3,343,000	2,394
Net interest income	$6,814,000	2,962
Provision for loan and lease losses	$3,003,000	383
Total noninterest income	$1,000,000	3,545
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$734,000	2,289
Trading account gains and fees	$0	138
Additional Noninterest Income	$266,000	4,508
Total noninterest expense	$4,991,000	3,124
Salaries and employee benefits	$2,382,000	3,478
Premises and equipment expense	$762,000	2,913
Additional noninterest expense	$1,847,000	2,595
Pre-tax net operating income	$-180,000	8,527
Securities gains (losses)	$0	3,819
Applicable income taxes	$-270,000	8,849
Income before extraordinary items	$90,000	8,144
Extraordinary gains, net	$0	34
Net income	$90,000	8,144
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,237,000	419
Cash dividends	$65,000	5,727
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$90,000	8,099
2004-09-30 (YTD Data)		Rank
Total interest income	$7,648,000	2,751
Total interest expense	$2,506,000	2,358
Net interest income	$5,142,000	2,929
Provision for loan and lease losses	$1,385,000	569
Total noninterest income	$732,000	3,623
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$555,000	2,297
Trading account gains and fees	$0	134
Additional Noninterest Income	$177,000	4,755
Total noninterest expense	$3,740,000	3,089
Salaries and employee benefits	$1,827,000	3,387
Premises and equipment expense	$537,000	3,068
Additional noninterest expense	$1,376,000	2,578
Pre-tax net operating income	$749,000	5,356
Securities gains (losses)	$0	3,710
Applicable income taxes	$104,000	5,297
Income before extraordinary items	$645,000	5,176
Extraordinary gains, net	$0	26
Net income	$645,000	5,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,020,000	352
Cash dividends	$65,000	4,879
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$645,000	5,093
2004-06-30 (YTD Data)		Rank
Total interest income	$5,099,000	2,734
Total interest expense	$1,685,000	2,309
Net interest income	$3,414,000	2,922
Provision for loan and lease losses	$930,000	550
Total noninterest income	$504,000	3,558
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$362,000	2,326
Trading account gains and fees	$0	130
Additional Noninterest Income	$142,000	4,412
Total noninterest expense	$2,519,000	3,066
Salaries and employee benefits	$1,210,000	3,419
Premises and equipment expense	$344,000	3,187
Additional noninterest expense	$965,000	2,466
Pre-tax net operating income	$469,000	5,468
Securities gains (losses)	$0	3,413
Applicable income taxes	$64,000	5,369
Income before extraordinary items	$405,000	5,291
Extraordinary gains, net	$0	21
Net income	$405,000	5,291
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,560,000	308
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$405,000	5,208
2004-03-31 (YTD Data)		Rank
Total interest income	$2,670,000	2,611
Total interest expense	$836,000	2,348
Net interest income	$1,834,000	2,703
Provision for loan and lease losses	$150,000	1,414
Total noninterest income	$247,000	3,551
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$182,000	2,264
Trading account gains and fees	$0	121
Additional Noninterest Income	$65,000	4,579
Total noninterest expense	$1,199,000	3,226
Salaries and employee benefits	$557,000	3,681
Premises and equipment expense	$163,000	3,352
Additional noninterest expense	$479,000	2,465
Pre-tax net operating income	$732,000	2,614
Securities gains (losses)	$0	2,934
Applicable income taxes	$180,000	2,752
Income before extraordinary items	$552,000	2,703
Extraordinary gains, net	$0	16
Net income	$552,000	2,703
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$187,000	855
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$552,000	2,607
2003-12-31 (YTD Data)		Rank
Total interest income	$10,813,000	2,614
Total interest expense	$3,502,000	2,500
Net interest income	$7,311,000	2,645
Provision for loan and lease losses	$2,642,000	536
Total noninterest income	$1,000,000	3,727
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$833,000	2,060
Trading account gains and fees	$0	160
Additional Noninterest Income	$167,000	5,630
Total noninterest expense	$4,258,000	3,518
Salaries and employee benefits	$2,102,000	3,772
Premises and equipment expense	$577,000	3,642
Additional noninterest expense	$1,579,000	2,934
Pre-tax net operating income	$1,411,000	4,286
Securities gains (losses)	$0	4,500
Applicable income taxes	$230,000	4,708
Income before extraordinary items	$1,181,000	4,183
Extraordinary gains, net	$0	54
Net income	$1,181,000	4,185
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,256,000	768
Cash dividends	$1,600,000	1,645
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,181,000	4,012
2003-09-30 (YTD Data)		Rank
Total interest income	$8,199,000	2,633
Total interest expense	$2,666,000	2,548
Net interest income	$5,533,000	2,635
Provision for loan and lease losses	$285,000	2,606
Total noninterest income	$738,000	3,823
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$613,000	2,098
Trading account gains and fees	$0	153
Additional Noninterest Income	$125,000	5,672
Total noninterest expense	$3,112,000	3,594
Salaries and employee benefits	$1,587,000	3,740
Premises and equipment expense	$422,000	3,694
Additional noninterest expense	$1,103,000	3,123
Pre-tax net operating income	$2,874,000	2,115
Securities gains (losses)	$0	4,204
Applicable income taxes	$763,000	2,266
Income before extraordinary items	$2,111,000	2,214
Extraordinary gains, net	$0	40
Net income	$2,111,000	2,212
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$126,000	2,880
Cash dividends	$500,000	2,668
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$2,111,000	2,100
2003-06-30 (YTD Data)		Rank
Total interest income	$5,398,000	2,686
Total interest expense	$1,813,000	2,582
Net interest income	$3,585,000	2,713
Provision for loan and lease losses	$195,000	2,557
Total noninterest income	$486,000	3,802
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$402,000	2,089
Trading account gains and fees	$0	150
Additional Noninterest Income	$84,000	5,643
Total noninterest expense	$2,084,000	3,562
Salaries and employee benefits	$1,071,000	3,692
Premises and equipment expense	$282,000	3,674
Additional noninterest expense	$731,000	3,113
Pre-tax net operating income	$1,792,000	2,250
Securities gains (losses)	$0	3,782
Applicable income taxes	$495,000	2,333
Income before extraordinary items	$1,297,000	2,394
Extraordinary gains, net	$0	30
Net income	$1,297,000	2,392
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	2,773
Cash dividends	$400,000	2,440
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,297,000	2,261
2003-03-31 (YTD Data)		Rank
Total interest income	$2,696,000	2,703
Total interest expense	$925,000	2,598
Net interest income	$1,771,000	2,735
Provision for loan and lease losses	$105,000	2,265
Total noninterest income	$230,000	3,823
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$186,000	2,154
Trading account gains and fees	$0	134
Additional Noninterest Income	$44,000	5,509
Total noninterest expense	$1,004,000	3,648
Salaries and employee benefits	$533,000	3,710
Premises and equipment expense	$125,000	4,027
Additional noninterest expense	$346,000	3,225
Pre-tax net operating income	$892,000	2,258
Securities gains (losses)	$0	2,891
Applicable income taxes	$227,000	2,479
Income before extraordinary items	$665,000	2,304
Extraordinary gains, net	$0	21
Net income	$665,000	2,302
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	3,410
Cash dividends	$400,000	1,446
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$665,000	2,179
2002-12-31 (YTD Data)		Rank
Total interest income	$10,422,000	2,907
Total interest expense	$3,979,000	2,764
Net interest income	$6,433,000	2,961
Provision for loan and lease losses	$579,000	2,135
Total noninterest income	$830,000	3,897
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$714,000	2,223
Trading account gains and fees	$0	153
Additional Noninterest Income	$116,000	6,134
Total noninterest expense	$3,841,000	3,672
Salaries and employee benefits	$2,024,000	3,698
Premises and equipment expense	$458,000	4,217
Additional noninterest expense	$1,359,000	3,229
Pre-tax net operating income	$2,853,000	2,598
Securities gains (losses)	$0	4,537
Applicable income taxes	$926,000	2,340
Income before extraordinary items	$1,927,000	2,887
Extraordinary gains, net	$0	70
Net income	$1,927,000	2,885
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$333,000	2,210
Cash dividends	$100,000	5,540
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,927,000	2,796
2001-12-31 (YTD Data)		Rank
Total interest income	$8,948,000	3,665
Total interest expense	$4,298,000	3,589
Net interest income	$4,650,000	3,645
Provision for loan and lease losses	$395,000	2,648
Total noninterest income	$661,000	4,334
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$551,000	2,619
Trading account gains and fees	$0	177
Additional Noninterest Income	$110,000	6,201
Total noninterest expense	$3,098,000	4,225
Salaries and employee benefits	$1,471,000	4,587
Premises and equipment expense	$410,000	4,519
Additional noninterest expense	$1,217,000	3,451
Pre-tax net operating income	$1,818,000	3,408
Securities gains (losses)	$0	4,612
Applicable income taxes	$676,000	2,739
Income before extraordinary items	$1,142,000	3,931
Extraordinary gains, net	$0	105
Net income	$1,142,000	3,932
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	4,152
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,142,000	3,795
2000-12-31 (YTD Data)		Rank
Total interest income	$7,428,000	4,370
Total interest expense	$3,383,000	4,494
Net interest income	$4,045,000	4,140
Provision for loan and lease losses	$228,000	3,468
Total noninterest income	$494,000	4,945
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$434,000	3,035
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	7,469
Total noninterest expense	$2,447,000	4,939
Salaries and employee benefits	$1,246,000	5,058
Premises and equipment expense	$393,000	4,562
Additional noninterest expense	$808,000	4,703
Pre-tax net operating income	$1,864,000	3,492
Securities gains (losses)	$0	1,956
Applicable income taxes	$640,000	2,989
Income before extraordinary items	$1,224,000	3,808
Extraordinary gains, net	$0	38
Net income	$1,224,000	3,808
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,200
Cash dividends	$615,000	3,147
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,224,000	3,791
1999-12-31 (YTD Data)		Rank
Total interest income	$6,040,000	4,927
Total interest expense	$2,555,000	5,126
Net interest income	$3,485,000	4,668
Provision for loan and lease losses	$110,000	5,020
Total noninterest income	$562,000	4,617
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$350,000	3,573
Trading account gains and fees	NA	NA
Additional Noninterest Income	$212,000	4,807
Total noninterest expense	$2,280,000	5,197
Salaries and employee benefits	$1,187,000	5,202
Premises and equipment expense	$306,000	5,406
Additional noninterest expense	$787,000	4,850
Pre-tax net operating income	$1,657,000	3,834
Securities gains (losses)	$0	3,155
Applicable income taxes	$565,000	3,354
Income before extraordinary items	$1,092,000	4,169
Extraordinary gains, net	$0	35
Net income	$1,092,000	4,174
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	4,729
Cash dividends	$1,050,000	2,163
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,092,000	4,124
1998-12-31 (YTD Data)		Rank
Total interest income	$5,656,000	5,196
Total interest expense	$2,372,000	5,573
Net interest income	$3,284,000	4,823
Provision for loan and lease losses	$151,000	4,127
Total noninterest income	$644,000	4,195
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$285,000	4,084
Trading account gains and fees	NA	NA
Additional Noninterest Income	$359,000	3,652
Total noninterest expense	$2,105,000	5,395
Salaries and employee benefits	$1,129,000	5,306
Premises and equipment expense	$263,000	5,784
Additional noninterest expense	$713,000	5,095
Pre-tax net operating income	$1,672,000	3,861
Securities gains (losses)	$-1,000	9,769
Applicable income taxes	$578,000	3,501
Income before extraordinary items	$1,093,000	4,207
Extraordinary gains, net	$0	32
Net income	$1,093,000	4,206
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	5,812
Cash dividends	$950,000	2,317
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,093,650	4,115
1997-12-31 (YTD Data)		Rank
Total interest income	$5,331,000	5,543
Total interest expense	$2,306,000	5,712
Net interest income	$3,025,000	5,271
Provision for loan and lease losses	$154,000	4,076
Total noninterest income	$534,000	4,787
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$294,000	4,150
Trading account gains and fees	NA	NA
Additional Noninterest Income	$240,000	4,480
Total noninterest expense	$2,038,000	5,588
Salaries and employee benefits	$1,055,000	5,660
Premises and equipment expense	$279,000	5,671
Additional noninterest expense	$704,000	5,194
Pre-tax net operating income	$1,367,000	4,794
Securities gains (losses)	$-2,000	9,246
Applicable income taxes	$493,000	4,256
Income before extraordinary items	$872,000	5,163
Extraordinary gains, net	$0	44
Net income	$872,000	5,165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	6,076
Cash dividends	$760,000	2,637
Sale, conversion, retirement of capital stock, net	$2,906,000	326
Net operating income	$873,280	5,102
1996-12-31 (YTD Data)		Rank
Total interest income	$4,845,000	6,075
Total interest expense	$1,940,000	6,548
Net interest income	$2,905,000	5,574
Provision for loan and lease losses	$141,000	4,225
Total noninterest income	$406,000	5,897
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$304,000	4,184
Trading account gains and fees	NA	NA
Additional Noninterest Income	$102,000	7,055
Total noninterest expense	$1,760,000	6,474
Salaries and employee benefits	$979,000	6,092
Premises and equipment expense	$284,000	5,786
Additional noninterest expense	$497,000	7,072
Pre-tax net operating income	$1,410,000	4,556
Securities gains (losses)	$-1,000	9,274
Applicable income taxes	$419,000	4,747
Income before extraordinary items	$990,000	4,553
Extraordinary gains, net	$0	53
Net income	$990,000	4,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$146,000	3,230
Cash dividends	$260,000	4,854
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$990,700	4,500
1995-12-31 (YTD Data)		Rank
Total interest income	$4,419,000	6,546
Total interest expense	$1,738,000	7,049
Net interest income	$2,681,000	5,994
Provision for loan and lease losses	$29,000	7,212
Total noninterest income	$323,000	6,808
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$268,000	4,701
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	8,981
Total noninterest expense	$1,665,000	6,813
Salaries and employee benefits	$940,000	6,347
Premises and equipment expense	$257,000	6,233
Additional noninterest expense	$468,000	7,537
Pre-tax net operating income	$1,310,000	4,938
Securities gains (losses)	$-2,000	9,253
Applicable income taxes	$374,000	5,178
Income before extraordinary items	$934,000	4,853
Extraordinary gains, net	$0	65
Net income	$934,000	4,852
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	5,798
Cash dividends	$240,000	5,079
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$935,420	4,834
1994-12-31 (YTD Data)		Rank
Total interest income	$3,629,000	7,155
Total interest expense	$1,264,000	7,670
Net interest income	$2,365,000	6,727
Provision for loan and lease losses	$0	9,146
Total noninterest income	$303,000	7,201
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$250,000	5,049
Trading account gains and fees	NA	NA
Additional Noninterest Income	$53,000	9,460
Total noninterest expense	$1,634,000	7,187
Salaries and employee benefits	$832,000	7,035
Premises and equipment expense	$254,000	6,450
Additional noninterest expense	$548,000	7,436
Pre-tax net operating income	$1,034,000	5,817
Securities gains (losses)	$-1,000	8,790
Applicable income taxes	$275,000	6,190
Income before extraordinary items	$758,000	5,571
Extraordinary gains, net	$0	249
Net income	$758,000	5,586
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,702
Cash dividends	$210,000	5,320
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$758,730	5,640
1993-12-31 (YTD Data)		Rank
Total interest income	$3,337,000	7,774
Total interest expense	$1,178,000	8,357
Net interest income	$2,159,000	7,278
Provision for loan and lease losses	$47,000	7,653
Total noninterest income	$309,000	7,535
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$224,000	5,526
Trading account gains and fees	NA	NA
Additional Noninterest Income	$85,000	8,419
Total noninterest expense	$1,388,000	8,229
Salaries and employee benefits	$787,000	7,396
Premises and equipment expense	$223,000	7,222
Additional noninterest expense	$378,000	9,504
Pre-tax net operating income	$1,033,000	5,764
Securities gains (losses)	$-4,000	12,523
Applicable income taxes	$247,000	6,851
Income before extraordinary items	$782,000	5,661
Extraordinary gains, net	$20,000	2,703
Net income	$802,000	5,697
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	8,917
Cash dividends	$200,000	5,372
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$785,040	5,408
1992-12-31 (YTD Data)		Rank
Total interest income	$3,516,000	8,161
Total interest expense	$1,391,000	8,885
Net interest income	$2,125,000	7,430
Provision for loan and lease losses	$187,000	5,407
Total noninterest income	$273,000	8,124
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$219,000	5,639
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	10,164
Total noninterest expense	$1,318,000	8,605
Salaries and employee benefits	$679,000	8,150
Premises and equipment expense	$213,000	7,557
Additional noninterest expense	$426,000	9,253
Pre-tax net operating income	$893,000	6,134
Securities gains (losses)	$-6,000	13,123
Applicable income taxes	$247,000	6,708
Income before extraordinary items	$640,000	6,293
Extraordinary gains, net	$0	1,422
Net income	$640,000	6,363
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$167,000	4,631
Cash dividends	$200,000	4,982
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$644,320	5,918

* 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.