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Flatwater Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$13,460,000	2,438
Total interest expense	$4,861,000	2,046
Net interest income	$8,599,000	2,575
Provision for loan and lease losses	$13,000	3,145
Total noninterest income	$2,184,000	1,921
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$470,000	1,713
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,714,000	1,752
Total noninterest expense	$6,963,000	2,570
Salaries and employee benefits	$4,275,000	2,430
Premises and equipment expense	$447,000	3,105
Additional noninterest expense	$1,714,000	1,752
Pre-tax net operating income	$3,807,000	2,227
Securities gains (losses)	$0	988
Applicable income taxes	$85,000	2,866
Income before extraordinary items	$3,722,000	2,075
Extraordinary gains, net	$0	54
Net income	$3,722,000	2,101
Minority interest net income	$0	88
Net income of bank and minority interests.	$3,722,000	2,079
Net charge-offs	$11,000	2,397
Cash dividends	$2,000,000	1,522
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$3,722,000	2,104
2023-09-30 (YTD Data)		Rank
Total interest income	$9,537,000	2,491
Total interest expense	$3,097,000	2,132
Net interest income	$6,440,000	2,598
Provision for loan and lease losses	$10,000	2,929
Total noninterest income	$1,644,000	1,914
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$342,000	1,758
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,302,000	1,745
Total noninterest expense	$5,088,000	2,596
Salaries and employee benefits	$3,300,000	2,377
Premises and equipment expense	$326,000	3,158
Additional noninterest expense	$1,302,000	1,745
Pre-tax net operating income	$2,986,000	2,232
Securities gains (losses)	$0	849
Applicable income taxes	$64,000	2,918
Income before extraordinary items	$2,922,000	2,087
Extraordinary gains, net	$0	52
Net income	$2,922,000	2,107
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,922,000	2,089
Net charge-offs	$-3,000	3,563
Cash dividends	$1,500,000	1,357
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$2,922,000	2,114
2023-06-30 (YTD Data)		Rank
Total interest income	$6,000,000	2,536
Total interest expense	$1,783,000	2,153
Net interest income	$4,217,000	2,656
Provision for loan and lease losses	$7,000	2,805
Total noninterest income	$1,126,000	1,832
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$221,000	1,782
Trading account gains and fees	NA	NA
Additional Noninterest Income	$905,000	1,626
Total noninterest expense	$3,239,000	2,651
Salaries and employee benefits	$2,165,000	2,403
Premises and equipment expense	$226,000	3,112
Additional noninterest expense	$905,000	1,624
Pre-tax net operating income	$2,097,000	2,194
Securities gains (losses)	$0	938
Applicable income taxes	$43,000	2,945
Income before extraordinary items	$2,054,000	2,035
Extraordinary gains, net	$0	51
Net income	$2,054,000	2,060
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,054,000	2,035
Net charge-offs	$1,000	2,309
Cash dividends	$1,000,000	1,361
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,054,000	2,045
2023-03-31 (YTD Data)		Rank
Total interest income	$2,825,000	2,603
Total interest expense	$788,000	2,120
Net interest income	$2,037,000	2,723
Provision for loan and lease losses	$3,000	2,523
Total noninterest income	$611,000	1,760
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$103,000	1,868
Trading account gains and fees	NA	NA
Additional Noninterest Income	$508,000	1,513
Total noninterest expense	$1,654,000	2,638
Salaries and employee benefits	$1,111,000	2,392
Premises and equipment expense	$115,000	3,125
Additional noninterest expense	$508,000	1,513
Pre-tax net operating income	$991,000	2,314
Securities gains (losses)	$0	950
Applicable income taxes	$21,000	2,950
Income before extraordinary items	$970,000	2,133
Extraordinary gains, net	$0	4
Net income	$970,000	2,132
Minority interest net income	$0	48
Net income of bank and minority interests.	$970,000	2,133
Net charge-offs	$-1,000	3,238
Cash dividends	$500,000	1,222
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$970,000	2,157
2022-12-31 (YTD Data)		Rank
Total interest income	$9,068,000	2,668
Total interest expense	$1,020,000	2,400
Net interest income	$8,048,000	2,674
Provision for loan and lease losses	$27,000	2,722
Total noninterest income	$2,019,000	2,032
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$422,000	1,883
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,597,000	1,841
Total noninterest expense	$6,332,000	2,664
Salaries and employee benefits	$4,123,000	2,448
Premises and equipment expense	$429,000	3,203
Additional noninterest expense	$1,597,000	1,841
Pre-tax net operating income	$3,708,000	2,400
Securities gains (losses)	$-151,000	4,026
Applicable income taxes	$88,000	3,053
Income before extraordinary items	$3,469,000	2,284
Extraordinary gains, net	$0	5
Net income	$3,469,000	2,283
Minority interest net income	$0	63
Net income of bank and minority interests.	$3,469,000	2,283
Net charge-offs	$-62,000	4,156
Cash dividends	$2,000,000	1,482
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$3,616,980	2,264
2022-09-30 (YTD Data)		Rank
Total interest income	$6,385,000	2,706
Total interest expense	$542,000	2,566
Net interest income	$5,843,000	2,703
Provision for loan and lease losses	$23,000	2,528
Total noninterest income	$1,552,000	2,040
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$325,000	1,866
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,227,000	1,851
Total noninterest expense	$4,693,000	2,675
Salaries and employee benefits	$3,087,000	2,453
Premises and equipment expense	$345,000	3,104
Additional noninterest expense	$1,227,000	1,851
Pre-tax net operating income	$2,679,000	2,434
Securities gains (losses)	$-151,000	4,302
Applicable income taxes	$70,000	3,038
Income before extraordinary items	$2,458,000	2,323
Extraordinary gains, net	$0	4
Net income	$2,458,000	2,322
Minority interest net income	$0	57
Net income of bank and minority interests.	$2,458,000	2,322
Net charge-offs	$-75,000	4,215
Cash dividends	$1,500,000	1,342
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$2,604,470	2,294
2022-06-30 (YTD Data)		Rank
Total interest income	$3,995,000	2,759
Total interest expense	$329,000	2,536
Net interest income	$3,666,000	2,757
Provision for loan and lease losses	$19,000	2,276
Total noninterest income	$1,062,000	1,994
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$210,000	1,895
Trading account gains and fees	NA	NA
Additional Noninterest Income	$852,000	1,840
Total noninterest expense	$3,094,000	2,686
Salaries and employee benefits	$2,012,000	2,489
Premises and equipment expense	$226,000	3,152
Additional noninterest expense	$856,000	2,873
Pre-tax net operating income	$1,615,000	2,476
Securities gains (losses)	$0	687
Applicable income taxes	$47,000	2,960
Income before extraordinary items	$1,568,000	2,288
Extraordinary gains, net	$0	4
Net income	$1,568,000	2,288
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,568,000	2,288
Net charge-offs	$-65,000	4,274
Cash dividends	$1,000,000	1,328
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,568,000	2,324
2022-03-31 (YTD Data)		Rank
Total interest income	$1,898,000	2,802
Total interest expense	$162,000	2,526
Net interest income	$1,736,000	2,795
Provision for loan and lease losses	$14,000	1,948
Total noninterest income	$578,000	1,906
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$109,000	1,834
Trading account gains and fees	NA	NA
Additional Noninterest Income	$469,000	1,735
Total noninterest expense	$1,550,000	2,677
Salaries and employee benefits	$1,037,000	2,449
Premises and equipment expense	$117,000	3,110
Additional noninterest expense	$396,000	2,984
Pre-tax net operating income	$750,000	2,478
Securities gains (losses)	$0	623
Applicable income taxes	$25,000	2,832
Income before extraordinary items	$725,000	2,314
Extraordinary gains, net	$0	4
Net income	$725,000	2,313
Minority interest net income	$0	50
Net income of bank and minority interests.	$725,000	2,314
Net charge-offs	$-50,000	4,406
Cash dividends	$500,000	1,160
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$725,000	2,336
2021-12-31 (YTD Data)		Rank
Total interest income	$8,712,000	2,683
Total interest expense	$779,000	2,556
Net interest income	$7,933,000	2,665
Provision for loan and lease losses	$386,000	1,234
Total noninterest income	$1,959,000	2,249
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$381,000	1,922
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,578,000	2,161
Total noninterest expense	$6,572,000	2,587
Salaries and employee benefits	$3,947,000	2,522
Premises and equipment expense	$514,000	2,993
Additional noninterest expense	$2,111,000	2,487
Pre-tax net operating income	$2,934,000	2,714
Securities gains (losses)	$0	2,062
Applicable income taxes	$90,000	3,118
Income before extraordinary items	$2,844,000	2,609
Extraordinary gains, net	$0	10
Net income	$2,844,000	2,610
Minority interest net income	$0	74
Net income of bank and minority interests.	$2,844,000	2,610
Net charge-offs	$533,000	610
Cash dividends	$1,800,000	1,634
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$2,844,000	2,593
2021-09-30 (YTD Data)		Rank
Total interest income	$6,687,000	2,689
Total interest expense	$608,000	2,586
Net interest income	$6,079,000	2,675
Provision for loan and lease losses	$380,000	1,003
Total noninterest income	$1,444,000	2,309
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$272,000	1,973
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,172,000	2,211
Total noninterest expense	$4,427,000	2,769
Salaries and employee benefits	$2,865,000	2,580
Premises and equipment expense	$352,000	3,147
Additional noninterest expense	$1,210,000	2,979
Pre-tax net operating income	$2,716,000	2,567
Securities gains (losses)	$0	2,015
Applicable income taxes	$68,000	3,088
Income before extraordinary items	$2,648,000	2,436
Extraordinary gains, net	$0	8
Net income	$2,648,000	2,436
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,648,000	2,436
Net charge-offs	$91,000	1,115
Cash dividends	$1,800,000	1,241
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$2,648,000	2,401
2021-06-30 (YTD Data)		Rank
Total interest income	$4,780,000	2,572
Total interest expense	$426,000	2,579
Net interest income	$4,354,000	2,566
Provision for loan and lease losses	$373,000	768
Total noninterest income	$949,000	2,294
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$166,000	2,028
Trading account gains and fees	NA	NA
Additional Noninterest Income	$783,000	2,183
Total noninterest expense	$2,924,000	2,770
Salaries and employee benefits	$1,867,000	2,615
Premises and equipment expense	$238,000	3,119
Additional noninterest expense	$819,000	2,936
Pre-tax net operating income	$2,006,000	2,397
Securities gains (losses)	$0	1,818
Applicable income taxes	$45,000	3,083
Income before extraordinary items	$1,961,000	2,255
Extraordinary gains, net	$0	6
Net income	$1,961,000	2,253
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,961,000	2,255
Net charge-offs	$33,000	1,305
Cash dividends	$1,300,000	1,166
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,961,000	2,220
2021-03-31 (YTD Data)		Rank
Total interest income	$2,545,000	2,474
Total interest expense	$228,000	2,562
Net interest income	$2,317,000	2,458
Provision for loan and lease losses	$187,000	851
Total noninterest income	$449,000	2,350
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$78,000	2,093
Trading account gains and fees	NA	NA
Additional Noninterest Income	$371,000	2,230
Total noninterest expense	$1,496,000	2,720
Salaries and employee benefits	$980,000	2,524
Premises and equipment expense	$118,000	3,146
Additional noninterest expense	$398,000	2,951
Pre-tax net operating income	$1,083,000	2,266
Securities gains (losses)	$0	1,392
Applicable income taxes	$23,000	3,027
Income before extraordinary items	$1,060,000	2,139
Extraordinary gains, net	$0	3
Net income	$1,060,000	2,139
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,060,000	2,139
Net charge-offs	$50,000	825
Cash dividends	$400,000	1,351
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,060,000	2,098
2020-12-31 (YTD Data)		Rank
Total interest income	$9,738,000	2,557
Total interest expense	$1,589,000	2,295
Net interest income	$8,149,000	2,591
Provision for loan and lease losses	$810,000	1,813
Total noninterest income	$1,687,000	2,307
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$335,000	2,107
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,352,000	2,172
Total noninterest expense	$6,085,000	2,673
Salaries and employee benefits	$3,819,000	2,550
Premises and equipment expense	$462,000	3,178
Additional noninterest expense	$1,804,000	2,709
Pre-tax net operating income	$2,941,000	2,448
Securities gains (losses)	$338,000	771
Applicable income taxes	$83,000	2,999
Income before extraordinary items	$3,196,000	2,218
Extraordinary gains, net	$0	4
Net income	$3,196,000	2,218
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,196,000	2,218
Net charge-offs	$748,000	769
Cash dividends	$800,000	2,418
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$2,868,140	2,312
2020-09-30 (YTD Data)		Rank
Total interest income	$7,603,000	2,509
Total interest expense	$1,295,000	2,269
Net interest income	$6,308,000	2,542
Provision for loan and lease losses	$607,000	1,805
Total noninterest income	$1,222,000	2,304
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$242,000	2,137
Trading account gains and fees	NA	NA
Additional Noninterest Income	$980,000	2,167
Total noninterest expense	$4,392,000	2,719
Salaries and employee benefits	$2,847,000	2,548
Premises and equipment expense	$347,000	3,190
Additional noninterest expense	$1,198,000	2,922
Pre-tax net operating income	$2,531,000	2,271
Securities gains (losses)	$338,000	644
Applicable income taxes	$54,000	3,047
Income before extraordinary items	$2,815,000	1,979
Extraordinary gains, net	$0	4
Net income	$2,815,000	1,978
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,815,000	1,979
Net charge-offs	$207,000	1,244
Cash dividends	$600,000	2,142
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,483,760	2,098
2020-06-30 (YTD Data)		Rank
Total interest income	$5,319,000	2,464
Total interest expense	$964,000	2,200
Net interest income	$4,355,000	2,498
Provision for loan and lease losses	$405,000	1,787
Total noninterest income	$800,000	2,261
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$149,000	2,288
Trading account gains and fees	NA	NA
Additional Noninterest Income	$651,000	2,092
Total noninterest expense	$2,982,000	2,712
Salaries and employee benefits	$1,908,000	2,544
Premises and equipment expense	$229,000	3,206
Additional noninterest expense	$845,000	2,806
Pre-tax net operating income	$1,768,000	2,172
Securities gains (losses)	$338,000	488
Applicable income taxes	$36,000	3,027
Income before extraordinary items	$2,070,000	1,794
Extraordinary gains, net	$0	4
Net income	$2,070,000	1,795
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,070,000	1,795
Net charge-offs	$-9,000	4,288
Cash dividends	$400,000	2,160
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,738,760	1,987
2020-03-31 (YTD Data)		Rank
Total interest income	$2,501,000	2,553
Total interest expense	$560,000	2,140
Net interest income	$1,941,000	2,649
Provision for loan and lease losses	$202,000	1,430
Total noninterest income	$431,000	2,096
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$95,000	2,205
Trading account gains and fees	NA	NA
Additional Noninterest Income	$336,000	1,889
Total noninterest expense	$1,349,000	2,886
Salaries and employee benefits	$875,000	2,694
Premises and equipment expense	$122,000	3,131
Additional noninterest expense	$352,000	3,170
Pre-tax net operating income	$821,000	2,128
Securities gains (losses)	$338,000	257
Applicable income taxes	$18,000	2,932
Income before extraordinary items	$1,141,000	1,490
Extraordinary gains, net	$0	4
Net income	$1,141,000	1,488
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,141,000	1,490
Net charge-offs	$-5,000	4,210
Cash dividends	$200,000	1,912
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$809,760	1,927
2019-12-31 (YTD Data)		Rank
Total interest income	$10,478,000	2,507
Total interest expense	$2,471,000	2,059
Net interest income	$8,007,000	2,627
Provision for loan and lease losses	$906,000	967
Total noninterest income	$1,687,000	2,163
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$441,000	2,090
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,246,000	2,008
Total noninterest expense	$6,021,000	2,694
Salaries and employee benefits	$3,697,000	2,582
Premises and equipment expense	$530,000	3,009
Additional noninterest expense	$1,794,000	2,746
Pre-tax net operating income	$2,767,000	2,582
Securities gains (losses)	$0	2,379
Applicable income taxes	$82,000	3,114
Income before extraordinary items	$2,685,000	2,468
Extraordinary gains, net	$0	11
Net income	$2,685,000	2,469
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,685,000	2,470
Net charge-offs	$464,000	1,089
Cash dividends	$1,300,000	2,025
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,685,000	2,425
2019-09-30 (YTD Data)		Rank
Total interest income	$7,816,000	2,551
Total interest expense	$1,850,000	2,075
Net interest income	$5,966,000	2,668
Provision for loan and lease losses	$567,000	1,052
Total noninterest income	$1,202,000	2,223
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$345,000	2,037
Trading account gains and fees	NA	NA
Additional Noninterest Income	$857,000	2,091
Total noninterest expense	$4,496,000	2,713
Salaries and employee benefits	$2,746,000	2,620
Premises and equipment expense	$410,000	2,971
Additional noninterest expense	$1,340,000	2,769
Pre-tax net operating income	$2,105,000	2,631
Securities gains (losses)	$0	2,167
Applicable income taxes	$54,000	3,223
Income before extraordinary items	$2,051,000	2,488
Extraordinary gains, net	$0	11
Net income	$2,051,000	2,489
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,051,000	2,489
Net charge-offs	$317,000	1,010
Cash dividends	$1,000,000	1,800
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,051,000	2,457
2019-06-30 (YTD Data)		Rank
Total interest income	$5,134,000	2,575
Total interest expense	$1,199,000	2,091
Net interest income	$3,935,000	2,697
Provision for loan and lease losses	$338,000	1,129
Total noninterest income	$775,000	2,234
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$222,000	2,062
Trading account gains and fees	NA	NA
Additional Noninterest Income	$553,000	2,089
Total noninterest expense	$2,979,000	2,744
Salaries and employee benefits	$1,856,000	2,606
Premises and equipment expense	$272,000	3,003
Additional noninterest expense	$851,000	2,875
Pre-tax net operating income	$1,393,000	2,639
Securities gains (losses)	$0	1,702
Applicable income taxes	$36,000	3,237
Income before extraordinary items	$1,357,000	2,467
Extraordinary gains, net	$0	11
Net income	$1,357,000	2,467
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,357,000	2,467
Net charge-offs	$203,000	980
Cash dividends	$700,000	1,762
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,357,000	2,442
2019-03-31 (YTD Data)		Rank
Total interest income	$2,505,000	2,623
Total interest expense	$582,000	2,098
Net interest income	$1,923,000	2,757
Provision for loan and lease losses	$169,000	1,066
Total noninterest income	$383,000	2,223
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$106,000	2,121
Trading account gains and fees	NA	NA
Additional Noninterest Income	$277,000	2,043
Total noninterest expense	$1,416,000	2,843
Salaries and employee benefits	$891,000	2,690
Premises and equipment expense	$125,000	3,174
Additional noninterest expense	$400,000	3,008
Pre-tax net operating income	$721,000	2,532
Securities gains (losses)	$0	1,087
Applicable income taxes	$18,000	3,195
Income before extraordinary items	$703,000	2,360
Extraordinary gains, net	$0	5
Net income	$703,000	2,358
Minority interest net income	$0	52
Net income of bank and minority interests.	$703,000	2,359
Net charge-offs	$203,000	616
Cash dividends	$400,000	1,497
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$703,000	2,345
2018-12-31 (YTD Data)		Rank
Total interest income	$7,654,000	3,004
Total interest expense	$1,111,000	2,770
Net interest income	$6,543,000	3,012
Provision for loan and lease losses	$420,000	1,604
Total noninterest income	$1,563,000	2,283
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$446,000	2,159
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,117,000	2,122
Total noninterest expense	$4,847,000	3,107
Salaries and employee benefits	$3,086,000	2,904
Premises and equipment expense	$391,000	3,562
Additional noninterest expense	$1,370,000	3,350
Pre-tax net operating income	$2,839,000	2,592
Securities gains (losses)	$0	1,125
Applicable income taxes	$65,000	3,278
Income before extraordinary items	$2,774,000	2,435
Extraordinary gains, net	$0	6
Net income	$2,774,000	2,433
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,774,000	2,434
Net charge-offs	$-53,000	4,901
Cash dividends	$1,300,000	1,905
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,774,000	2,432
2018-09-30 (YTD Data)		Rank
Total interest income	$5,595,000	3,049
Total interest expense	$736,000	2,880
Net interest income	$4,859,000	3,047
Provision for loan and lease losses	$330,000	1,484
Total noninterest income	$1,181,000	2,290
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$336,000	2,154
Trading account gains and fees	NA	NA
Additional Noninterest Income	$845,000	2,138
Total noninterest expense	$3,294,000	3,310
Salaries and employee benefits	$2,198,000	3,014
Premises and equipment expense	$242,000	3,941
Additional noninterest expense	$854,000	3,700
Pre-tax net operating income	$2,416,000	2,440
Securities gains (losses)	$0	1,118
Applicable income taxes	$45,000	3,362
Income before extraordinary items	$2,371,000	2,254
Extraordinary gains, net	$0	5
Net income	$2,371,000	2,253
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,371,000	2,253
Net charge-offs	$-43,000	4,879
Cash dividends	$1,000,000	1,656
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,371,000	2,258
2018-06-30 (YTD Data)		Rank
Total interest income	$3,592,000	3,115
Total interest expense	$453,000	2,939
Net interest income	$3,139,000	3,106
Provision for loan and lease losses	$180,000	1,601
Total noninterest income	$779,000	2,305
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$218,000	2,194
Trading account gains and fees	NA	NA
Additional Noninterest Income	$561,000	2,141
Total noninterest expense	$2,253,000	3,283
Salaries and employee benefits	$1,527,000	2,952
Premises and equipment expense	$151,000	4,076
Additional noninterest expense	$575,000	3,708
Pre-tax net operating income	$1,485,000	2,533
Securities gains (losses)	$0	961
Applicable income taxes	$30,000	3,368
Income before extraordinary items	$1,455,000	2,357
Extraordinary gains, net	$0	6
Net income	$1,455,000	2,356
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,455,000	2,356
Net charge-offs	$-39,000	4,949
Cash dividends	$700,000	1,630
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,455,000	2,352
2018-03-31 (YTD Data)		Rank
Total interest income	$1,726,000	3,193
Total interest expense	$214,000	2,980
Net interest income	$1,512,000	3,196
Provision for loan and lease losses	$90,000	1,532
Total noninterest income	$409,000	2,229
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$100,000	2,308
Trading account gains and fees	NA	NA
Additional Noninterest Income	$309,000	1,989
Total noninterest expense	$1,047,000	3,456
Salaries and employee benefits	$700,000	3,124
Premises and equipment expense	$71,000	4,206
Additional noninterest expense	$276,000	3,801
Pre-tax net operating income	$784,000	2,417
Securities gains (losses)	$0	735
Applicable income taxes	$15,000	3,349
Income before extraordinary items	$769,000	2,219
Extraordinary gains, net	$0	7
Net income	$769,000	2,218
Minority interest net income	$0	52
Net income of bank and minority interests.	$769,000	2,219
Net charge-offs	$-1,000	3,770
Cash dividends	$400,000	1,360
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$769,000	2,210
2017-12-31 (YTD Data)		Rank
Total interest income	$6,568,000	3,235
Total interest expense	$705,000	3,125
Net interest income	$5,863,000	3,229
Provision for loan and lease losses	$275,000	2,060
Total noninterest income	$1,401,000	2,491
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$446,000	2,222
Trading account gains and fees	NA	NA
Additional Noninterest Income	$955,000	2,353
Total noninterest expense	$4,534,000	3,305
Salaries and employee benefits	$2,861,000	3,090
Premises and equipment expense	$405,000	3,628
Additional noninterest expense	$1,268,000	3,555
Pre-tax net operating income	$2,455,000	2,770
Securities gains (losses)	$-81,000	5,373
Applicable income taxes	$57,000	3,484
Income before extraordinary items	$2,317,000	2,444
Extraordinary gains, net	$0	9
Net income	$2,317,000	2,444
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,317,000	2,444
Net charge-offs	$-17,000	4,919
Cash dividends	$1,300,000	1,872
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,396,380	2,373
2017-09-30 (YTD Data)		Rank
Total interest income	$4,856,000	3,281
Total interest expense	$509,000	3,183
Net interest income	$4,347,000	3,271
Provision for loan and lease losses	$160,000	2,233
Total noninterest income	$1,046,000	2,511
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$336,000	2,220
Trading account gains and fees	NA	NA
Additional Noninterest Income	$710,000	2,382
Total noninterest expense	$3,220,000	3,433
Salaries and employee benefits	$2,109,000	3,127
Premises and equipment expense	$272,000	3,863
Additional noninterest expense	$839,000	3,820
Pre-tax net operating income	$2,013,000	2,704
Securities gains (losses)	$0	2,274
Applicable income taxes	$39,000	3,532
Income before extraordinary items	$1,974,000	2,430
Extraordinary gains, net	$0	9
Net income	$1,974,000	2,429
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,974,000	2,430
Net charge-offs	$4,000	3,505
Cash dividends	$1,000,000	1,672
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,974,000	2,408
2017-06-30 (YTD Data)		Rank
Total interest income	$3,191,000	3,306
Total interest expense	$324,000	3,230
Net interest income	$2,867,000	3,283
Provision for loan and lease losses	$100,000	2,230
Total noninterest income	$694,000	2,519
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$207,000	2,340
Trading account gains and fees	NA	NA
Additional Noninterest Income	$487,000	2,370
Total noninterest expense	$2,181,000	3,410
Salaries and employee benefits	$1,441,000	3,101
Premises and equipment expense	$178,000	3,915
Additional noninterest expense	$562,000	3,841
Pre-tax net operating income	$1,280,000	2,743
Securities gains (losses)	$0	1,906
Applicable income taxes	$26,000	3,548
Income before extraordinary items	$1,254,000	2,447
Extraordinary gains, net	$0	11
Net income	$1,254,000	2,447
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,254,000	2,447
Net charge-offs	$83,000	1,655
Cash dividends	$700,000	1,638
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,254,000	2,429
2017-03-31 (YTD Data)		Rank
Total interest income	$1,562,000	3,359
Total interest expense	$151,000	3,343
Net interest income	$1,411,000	3,320
Provision for loan and lease losses	$40,000	2,253
Total noninterest income	$337,000	2,561
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$95,000	2,474
Trading account gains and fees	NA	NA
Additional Noninterest Income	$242,000	2,352
Total noninterest expense	$1,058,000	3,503
Salaries and employee benefits	$677,000	3,245
Premises and equipment expense	$88,000	3,977
Additional noninterest expense	$293,000	3,767
Pre-tax net operating income	$650,000	2,665
Securities gains (losses)	$0	1,153
Applicable income taxes	$13,000	3,506
Income before extraordinary items	$637,000	2,339
Extraordinary gains, net	$0	8
Net income	$637,000	2,338
Minority interest net income	$0	55
Net income of bank and minority interests.	$637,000	2,339
Net charge-offs	$-5,000	4,686
Cash dividends	$400,000	1,384
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$637,000	2,314
2016-12-31 (YTD Data)		Rank
Total interest income	$6,219,000	3,355
Total interest expense	$553,000	3,462
Net interest income	$5,666,000	3,302
Provision for loan and lease losses	$310,000	1,956
Total noninterest income	$1,292,000	2,671
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$397,000	2,481
Trading account gains and fees	$0	170
Additional Noninterest Income	$895,000	2,528
Total noninterest expense	$4,444,000	3,440
Salaries and employee benefits	$2,787,000	3,180
Premises and equipment expense	$419,000	3,699
Additional noninterest expense	$1,238,000	3,747
Pre-tax net operating income	$2,204,000	2,894
Securities gains (losses)	$0	3,212
Applicable income taxes	$53,000	3,577
Income before extraordinary items	$2,151,000	2,665
Extraordinary gains, net	$0	5
Net income	$2,151,000	2,663
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,151,000	2,664
Net charge-offs	$431,000	1,188
Cash dividends	$1,300,000	1,860
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,151,000	2,609
2016-09-30 (YTD Data)		Rank
Total interest income	$4,647,000	3,370
Total interest expense	$411,000	3,506
Net interest income	$4,236,000	3,320
Provision for loan and lease losses	$245,000	1,836
Total noninterest income	$951,000	2,694
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$301,000	2,463
Trading account gains and fees	$0	169
Additional Noninterest Income	$650,000	2,574
Total noninterest expense	$3,287,000	3,462
Salaries and employee benefits	$2,082,000	3,186
Premises and equipment expense	$305,000	3,765
Additional noninterest expense	$900,000	3,841
Pre-tax net operating income	$1,655,000	2,945
Securities gains (losses)	$0	3,160
Applicable income taxes	$39,000	3,657
Income before extraordinary items	$1,616,000	2,693
Extraordinary gains, net	$0	5
Net income	$1,616,000	2,693
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,616,000	2,693
Net charge-offs	$400,000	931
Cash dividends	$1,000,000	1,652
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,616,000	2,640
2016-06-30 (YTD Data)		Rank
Total interest income	$3,105,000	3,386
Total interest expense	$270,000	3,546
Net interest income	$2,835,000	3,332
Provision for loan and lease losses	$122,000	2,093
Total noninterest income	$623,000	2,704
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$199,000	2,452
Trading account gains and fees	$0	157
Additional Noninterest Income	$424,000	2,585
Total noninterest expense	$2,171,000	3,510
Salaries and employee benefits	$1,363,000	3,246
Premises and equipment expense	$207,000	3,761
Additional noninterest expense	$601,000	3,860
Pre-tax net operating income	$1,165,000	2,805
Securities gains (losses)	$0	2,835
Applicable income taxes	$26,000	3,672
Income before extraordinary items	$1,139,000	2,567
Extraordinary gains, net	$0	16
Net income	$1,139,000	2,566
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,139,000	2,566
Net charge-offs	$21,000	2,751
Cash dividends	$700,000	1,630
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,139,000	2,502
2016-03-31 (YTD Data)		Rank
Total interest income	$1,530,000	3,420
Total interest expense	$129,000	3,655
Net interest income	$1,401,000	3,359
Provision for loan and lease losses	$62,000	1,936
Total noninterest income	$345,000	2,537
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$144,000	1,856
Trading account gains and fees	$0	142
Additional Noninterest Income	$201,000	2,610
Total noninterest expense	$1,051,000	3,596
Salaries and employee benefits	$688,000	3,245
Premises and equipment expense	$98,000	3,900
Additional noninterest expense	$265,000	4,153
Pre-tax net operating income	$633,000	2,651
Securities gains (losses)	$0	2,077
Applicable income taxes	$13,000	3,656
Income before extraordinary items	$620,000	2,396
Extraordinary gains, net	$0	12
Net income	$620,000	2,396
Minority interest net income	$0	62
Net income of bank and minority interests.	$620,000	2,396
Net charge-offs	$17,000	2,074
Cash dividends	$400,000	1,369
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$620,000	2,345
2015-12-31 (YTD Data)		Rank
Total interest income	$6,226,000	3,364
Total interest expense	$522,000	3,641
Net interest income	$5,704,000	3,300
Provision for loan and lease losses	$364,000	1,695
Total noninterest income	$1,276,000	2,704
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$400,000	2,509
Trading account gains and fees	$0	159
Additional Noninterest Income	$876,000	2,541
Total noninterest expense	$4,213,000	3,606
Salaries and employee benefits	$2,685,000	3,251
Premises and equipment expense	$400,000	3,897
Additional noninterest expense	$1,128,000	4,052
Pre-tax net operating income	$2,403,000	2,704
Securities gains (losses)	$0	3,216
Applicable income taxes	$55,000	3,594
Income before extraordinary items	$2,348,000	2,446
Extraordinary gains, net	$0	23
Net income	$2,348,000	2,447
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,348,000	2,448
Net charge-offs	$889,000	756
Cash dividends	$1,200,000	1,904
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,348,000	2,402
2015-09-30 (YTD Data)		Rank
Total interest income	$4,621,000	3,423
Total interest expense	$406,000	3,638
Net interest income	$4,215,000	3,361
Provision for loan and lease losses	$174,000	2,140
Total noninterest income	$1,003,000	2,660
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$300,000	2,524
Trading account gains and fees	$0	153
Additional Noninterest Income	$703,000	2,474
Total noninterest expense	$3,132,000	3,643
Salaries and employee benefits	$2,081,000	3,210
Premises and equipment expense	$248,000	4,331
Additional noninterest expense	$803,000	4,170
Pre-tax net operating income	$1,912,000	2,646
Securities gains (losses)	$0	3,031
Applicable income taxes	$41,000	3,709
Income before extraordinary items	$1,871,000	2,375
Extraordinary gains, net	$0	21
Net income	$1,871,000	2,376
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,871,000	2,376
Net charge-offs	$536,000	817
Cash dividends	$1,200,000	1,412
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,871,000	2,343
2015-06-30 (YTD Data)		Rank
Total interest income	$3,118,000	3,404
Total interest expense	$284,000	3,571
Net interest income	$2,834,000	3,347
Provision for loan and lease losses	$82,000	2,456
Total noninterest income	$623,000	2,777
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$226,000	2,280
Trading account gains and fees	$0	157
Additional Noninterest Income	$397,000	2,684
Total noninterest expense	$2,071,000	3,696
Salaries and employee benefits	$1,370,000	3,264
Premises and equipment expense	$177,000	4,238
Additional noninterest expense	$524,000	4,258
Pre-tax net operating income	$1,304,000	2,581
Securities gains (losses)	$0	2,636
Applicable income taxes	$27,000	3,734
Income before extraordinary items	$1,277,000	2,318
Extraordinary gains, net	$0	22
Net income	$1,277,000	2,320
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,277,000	2,320
Net charge-offs	$292,000	925
Cash dividends	$800,000	1,456
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,277,000	2,275
2015-03-31 (YTD Data)		Rank
Total interest income	$1,575,000	3,389
Total interest expense	$148,000	3,510
Net interest income	$1,427,000	3,333
Provision for loan and lease losses	$32,000	2,430
Total noninterest income	$301,000	2,795
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$104,000	2,410
Trading account gains and fees	$0	152
Additional Noninterest Income	$197,000	2,658
Total noninterest expense	$1,020,000	3,752
Salaries and employee benefits	$686,000	3,277
Premises and equipment expense	$88,000	4,286
Additional noninterest expense	$246,000	4,391
Pre-tax net operating income	$676,000	2,480
Securities gains (losses)	$0	2,027
Applicable income taxes	$14,000	3,696
Income before extraordinary items	$662,000	2,237
Extraordinary gains, net	$0	13
Net income	$662,000	2,238
Minority interest net income	$0	64
Net income of bank and minority interests.	$662,000	2,238
Net charge-offs	$88,000	1,195
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$662,000	2,175
2014-12-31 (YTD Data)		Rank
Total interest income	$6,128,000	3,480
Total interest expense	$451,000	4,206
Net interest income	$5,677,000	3,370
Provision for loan and lease losses	$264,000	2,139
Total noninterest income	$1,477,000	2,538
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$456,000	2,421
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,021,000	2,307
Total noninterest expense	$4,340,000	3,637
Salaries and employee benefits	$2,673,000	3,333
Premises and equipment expense	$438,000	3,913
Additional noninterest expense	$1,229,000	4,008
Pre-tax net operating income	$2,550,000	2,556
Securities gains (losses)	$0	3,259
Applicable income taxes	$54,000	3,677
Income before extraordinary items	$2,496,000	2,311
Extraordinary gains, net	$0	17
Net income	$2,496,000	2,311
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,496,000	2,311
Net charge-offs	$11,000	4,538
Cash dividends	$1,400,000	1,642
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,496,000	2,262
2014-09-30 (YTD Data)		Rank
Total interest income	$4,512,000	3,553
Total interest expense	$327,000	4,343
Net interest income	$4,185,000	3,430
Provision for loan and lease losses	$162,000	2,306
Total noninterest income	$1,128,000	2,531
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$338,000	2,474
Trading account gains and fees	$0	174
Additional Noninterest Income	$790,000	2,275
Total noninterest expense	$3,153,000	3,734
Salaries and employee benefits	$1,973,000	3,377
Premises and equipment expense	$334,000	3,936
Additional noninterest expense	$846,000	4,211
Pre-tax net operating income	$1,998,000	2,513
Securities gains (losses)	$0	2,980
Applicable income taxes	$36,000	3,784
Income before extraordinary items	$1,962,000	2,249
Extraordinary gains, net	$0	15
Net income	$1,962,000	2,249
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,962,000	2,248
Net charge-offs	$-26,000	5,857
Cash dividends	$1,000,000	1,509
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,962,000	2,197
2014-06-30 (YTD Data)		Rank
Total interest income	$2,934,000	3,611
Total interest expense	$215,000	4,421
Net interest income	$2,719,000	3,486
Provision for loan and lease losses	$2,000	4,139
Total noninterest income	$672,000	2,667
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$252,000	2,255
Trading account gains and fees	$0	172
Additional Noninterest Income	$420,000	2,556
Total noninterest expense	$2,100,000	3,749
Salaries and employee benefits	$1,308,000	3,413
Premises and equipment expense	$217,000	4,015
Additional noninterest expense	$575,000	4,186
Pre-tax net operating income	$1,289,000	2,512
Securities gains (losses)	$0	2,580
Applicable income taxes	$24,000	3,770
Income before extraordinary items	$1,265,000	2,257
Extraordinary gains, net	$0	20
Net income	$1,265,000	2,260
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,265,000	2,260
Net charge-offs	$-29,000	6,008
Cash dividends	$700,000	1,484
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,265,000	2,206
2014-03-31 (YTD Data)		Rank
Total interest income	$1,432,000	3,683
Total interest expense	$105,000	4,530
Net interest income	$1,327,000	3,548
Provision for loan and lease losses	$0	3,817
Total noninterest income	$302,000	2,790
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$111,000	2,454
Trading account gains and fees	$0	147
Additional Noninterest Income	$191,000	2,634
Total noninterest expense	$1,059,000	3,756
Salaries and employee benefits	$655,000	3,450
Premises and equipment expense	$108,000	4,038
Additional noninterest expense	$296,000	4,130
Pre-tax net operating income	$570,000	2,665
Securities gains (losses)	$0	1,715
Applicable income taxes	$12,000	3,740
Income before extraordinary items	$558,000	2,388
Extraordinary gains, net	$0	16
Net income	$558,000	2,389
Minority interest net income	$0	66
Net income of bank and minority interests.	$558,000	2,390
Net charge-offs	$70,000	1,602
Cash dividends	$400,000	1,206
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$558,000	2,343
2013-12-31 (YTD Data)		Rank
Total interest income	$5,124,000	4,014
Total interest expense	$403,000	4,896
Net interest income	$4,721,000	3,839
Provision for loan and lease losses	$6,000	4,983
Total noninterest income	$1,242,000	2,861
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$383,000	2,907
Trading account gains and fees	$0	184
Additional Noninterest Income	$859,000	2,581
Total noninterest expense	$3,908,000	3,978
Salaries and employee benefits	$2,458,000	3,587
Premises and equipment expense	$501,000	3,732
Additional noninterest expense	$949,000	4,687
Pre-tax net operating income	$2,049,000	2,810
Securities gains (losses)	$0	3,182
Applicable income taxes	$48,000	3,779
Income before extraordinary items	$2,001,000	2,614
Extraordinary gains, net	$0	29
Net income	$2,001,000	2,617
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,001,000	2,617
Net charge-offs	$149,000	3,337
Cash dividends	$1,300,000	1,607
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,001,000	2,545
2013-09-30 (YTD Data)		Rank
Total interest income	$3,736,000	4,114
Total interest expense	$303,000	4,978
Net interest income	$3,433,000	3,948
Provision for loan and lease losses	$6,000	4,820
Total noninterest income	$897,000	2,961
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$278,000	2,998
Trading account gains and fees	$0	180
Additional Noninterest Income	$619,000	2,687
Total noninterest expense	$2,877,000	4,038
Salaries and employee benefits	$1,812,000	3,653
Premises and equipment expense	$315,000	4,154
Additional noninterest expense	$750,000	4,607
Pre-tax net operating income	$1,447,000	2,979
Securities gains (losses)	$0	3,040
Applicable income taxes	$36,000	3,863
Income before extraordinary items	$1,411,000	2,773
Extraordinary gains, net	$0	25
Net income	$1,411,000	2,777
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,411,000	2,777
Net charge-offs	$107,000	3,191
Cash dividends	$1,000,000	1,437
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,411,000	2,698
2013-06-30 (YTD Data)		Rank
Total interest income	$2,424,000	4,200
Total interest expense	$214,000	4,933
Net interest income	$2,210,000	4,041
Provision for loan and lease losses	$4,000	4,691
Total noninterest income	$592,000	3,012
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$174,000	3,089
Trading account gains and fees	$0	157
Additional Noninterest Income	$418,000	2,740
Total noninterest expense	$1,924,000	4,052
Salaries and employee benefits	$1,195,000	3,687
Premises and equipment expense	$223,000	4,062
Additional noninterest expense	$506,000	4,610
Pre-tax net operating income	$874,000	3,168
Securities gains (losses)	$0	2,791
Applicable income taxes	$25,000	3,842
Income before extraordinary items	$849,000	2,946
Extraordinary gains, net	$0	22
Net income	$849,000	2,949
Minority interest net income	$0	82
Net income of bank and minority interests.	$849,000	2,949
Net charge-offs	$76,000	3,009
Cash dividends	$700,000	1,401
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$849,000	2,857
2013-03-31 (YTD Data)		Rank
Total interest income	$1,201,000	4,259
Total interest expense	$119,000	4,807
Net interest income	$1,082,000	4,114
Provision for loan and lease losses	$4,000	4,247
Total noninterest income	$281,000	3,092
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$83,000	3,174
Trading account gains and fees	$0	148
Additional Noninterest Income	$198,000	2,791
Total noninterest expense	$960,000	4,090
Salaries and employee benefits	$604,000	3,696
Premises and equipment expense	$119,000	3,917
Additional noninterest expense	$237,000	4,775
Pre-tax net operating income	$399,000	3,300
Securities gains (losses)	$0	1,966
Applicable income taxes	$13,000	3,816
Income before extraordinary items	$386,000	3,090
Extraordinary gains, net	$0	10
Net income	$386,000	3,091
Minority interest net income	$0	76
Net income of bank and minority interests.	$386,000	3,092
Net charge-offs	$111,000	1,804
Cash dividends	$400,000	1,090
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$386,000	2,999
2012-12-31 (YTD Data)		Rank
Total interest income	$5,295,000	4,168
Total interest expense	$1,168,000	3,264
Net interest income	$4,127,000	4,332
Provision for loan and lease losses	$52,000	5,168
Total noninterest income	$1,266,000	2,868
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$410,000	2,887
Trading account gains and fees	$0	166
Additional Noninterest Income	$856,000	2,582
Total noninterest expense	$3,736,000	4,227
Salaries and employee benefits	$2,283,000	3,800
Premises and equipment expense	$404,000	4,292
Additional noninterest expense	$1,049,000	4,682
Pre-tax net operating income	$1,605,000	3,211
Securities gains (losses)	$461,000	995
Applicable income taxes	$48,000	3,912
Income before extraordinary items	$2,018,000	2,570
Extraordinary gains, net	$0	29
Net income	$2,018,000	2,572
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,018,000	2,571
Net charge-offs	$30,000	5,211
Cash dividends	$1,000,000	1,928
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,566,220	2,918
2012-09-30 (YTD Data)		Rank
Total interest income	$4,000,000	4,227
Total interest expense	$1,034,000	2,994
Net interest income	$2,966,000	4,507
Provision for loan and lease losses	$0	5,790
Total noninterest income	$941,000	2,895
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$308,000	2,913
Trading account gains and fees	$0	157
Additional Noninterest Income	$633,000	2,598
Total noninterest expense	$2,668,000	4,361
Salaries and employee benefits	$1,654,000	3,893
Premises and equipment expense	$301,000	4,344
Additional noninterest expense	$713,000	4,953
Pre-tax net operating income	$1,239,000	3,246
Securities gains (losses)	$461,000	793
Applicable income taxes	$34,000	3,967
Income before extraordinary items	$1,666,000	2,464
Extraordinary gains, net	$0	20
Net income	$1,666,000	2,465
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,666,000	2,465
Net charge-offs	$17,000	5,139
Cash dividends	$700,000	1,675
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,214,220	2,901
2012-06-30 (YTD Data)		Rank
Total interest income	$2,704,000	4,218
Total interest expense	$894,000	2,535
Net interest income	$1,810,000	4,761
Provision for loan and lease losses	$0	5,619
Total noninterest income	$618,000	2,883
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$199,000	2,957
Trading account gains and fees	$0	153
Additional Noninterest Income	$419,000	2,579
Total noninterest expense	$1,782,000	4,387
Salaries and employee benefits	$1,098,000	3,924
Premises and equipment expense	$195,000	4,429
Additional noninterest expense	$489,000	4,914
Pre-tax net operating income	$646,000	3,677
Securities gains (losses)	$461,000	594
Applicable income taxes	$23,000	3,951
Income before extraordinary items	$1,084,000	2,466
Extraordinary gains, net	$0	19
Net income	$1,084,000	2,466
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,084,000	2,466
Net charge-offs	$13,000	4,833
Cash dividends	$400,000	1,828
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$632,220	3,366
2012-03-31 (YTD Data)		Rank
Total interest income	$1,397,000	4,181
Total interest expense	$241,000	4,018
Net interest income	$1,156,000	4,112
Provision for loan and lease losses	$0	5,254
Total noninterest income	$281,000	3,045
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$93,000	3,093
Trading account gains and fees	$0	148
Additional Noninterest Income	$188,000	2,745
Total noninterest expense	$876,000	4,463
Salaries and employee benefits	$563,000	3,887
Premises and equipment expense	$92,000	4,583
Additional noninterest expense	$221,000	5,137
Pre-tax net operating income	$561,000	2,647
Securities gains (losses)	$0	2,210
Applicable income taxes	$12,000	3,924
Income before extraordinary items	$549,000	2,426
Extraordinary gains, net	$0	19
Net income	$549,000	2,427
Minority interest net income	$0	78
Net income of bank and minority interests.	$549,000	2,429
Net charge-offs	$11,000	3,996
Cash dividends	$100,000	2,055
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$549,000	2,304
2011-12-31 (YTD Data)		Rank
Total interest income	$5,750,000	4,199
Total interest expense	$969,000	4,472
Net interest income	$4,781,000	4,022
Provision for loan and lease losses	$100,000	5,330
Total noninterest income	$1,684,000	2,273
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$527,000	2,461
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,157,000	1,950
Total noninterest expense	$4,127,000	4,031
Salaries and employee benefits	$2,095,000	4,054
Premises and equipment expense	$376,000	4,706
Additional noninterest expense	$1,656,000	3,610
Pre-tax net operating income	$2,238,000	2,309
Securities gains (losses)	$52,000	2,568
Applicable income taxes	$44,000	3,815
Income before extraordinary items	$2,246,000	2,054
Extraordinary gains, net	$0	29
Net income	$2,246,000	2,055
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,246,000	2,055
Net charge-offs	$4,000	6,264
Cash dividends	$1,250,000	1,395
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,195,040	2,015
2011-09-30 (YTD Data)		Rank
Total interest income	$4,233,000	4,288
Total interest expense	$742,000	4,541
Net interest income	$3,491,000	4,126
Provision for loan and lease losses	$0	6,393
Total noninterest income	$1,266,000	2,254
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$374,000	2,593
Trading account gains and fees	$0	145
Additional Noninterest Income	$892,000	1,906
Total noninterest expense	$3,006,000	4,113
Salaries and employee benefits	$1,527,000	4,140
Premises and equipment expense	$231,000	5,220
Additional noninterest expense	$1,248,000	3,586
Pre-tax net operating income	$1,751,000	2,305
Securities gains (losses)	$52,000	2,307
Applicable income taxes	$30,000	3,874
Income before extraordinary items	$1,773,000	2,020
Extraordinary gains, net	$0	21
Net income	$1,773,000	2,020
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,773,000	2,020
Net charge-offs	$10,000	5,779
Cash dividends	$900,000	1,255
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,722,040	1,972
2011-06-30 (YTD Data)		Rank
Total interest income	$2,757,000	4,391
Total interest expense	$505,000	4,601
Net interest income	$2,252,000	4,240
Provision for loan and lease losses	$0	6,217
Total noninterest income	$969,000	2,039
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$262,000	2,466
Trading account gains and fees	$0	153
Additional Noninterest Income	$707,000	1,708
Total noninterest expense	$2,102,000	4,041
Salaries and employee benefits	$1,018,000	4,154
Premises and equipment expense	$156,000	5,233
Additional noninterest expense	$928,000	3,373
Pre-tax net operating income	$1,119,000	2,353
Securities gains (losses)	$51,000	1,585
Applicable income taxes	$20,000	3,829
Income before extraordinary items	$1,150,000	2,018
Extraordinary gains, net	$0	15
Net income	$1,150,000	2,018
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,150,000	2,018
Net charge-offs	$10,000	5,333
Cash dividends	$650,000	1,164
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,100,020	2,027
2011-03-31 (YTD Data)		Rank
Total interest income	$1,366,000	4,434
Total interest expense	$253,000	4,721
Net interest income	$1,113,000	4,269
Provision for loan and lease losses	$0	5,840
Total noninterest income	$496,000	1,994
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$126,000	2,531
Trading account gains and fees	$0	158
Additional Noninterest Income	$370,000	1,654
Total noninterest expense	$1,086,000	3,969
Salaries and employee benefits	$501,000	4,228
Premises and equipment expense	$80,000	5,222
Additional noninterest expense	$505,000	3,149
Pre-tax net operating income	$523,000	2,474
Securities gains (losses)	$44,000	800
Applicable income taxes	$10,000	3,778
Income before extraordinary items	$557,000	2,048
Extraordinary gains, net	$0	9
Net income	$557,000	2,047
Minority interest net income	$0	86
Net income of bank and minority interests.	$557,000	2,048
Net charge-offs	$17,000	4,138
Cash dividends	$400,000	888
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$513,880	2,163
2010-12-31 (YTD Data)		Rank
Total interest income	$5,620,000	4,497
Total interest expense	$1,175,000	4,880
Net interest income	$4,445,000	4,280
Provision for loan and lease losses	$252,000	5,069
Total noninterest income	$1,678,000	2,345
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$538,000	2,503
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,140,000	2,022
Total noninterest expense	$3,701,000	4,430
Salaries and employee benefits	$1,958,000	4,296
Premises and equipment expense	$288,000	5,507
Additional noninterest expense	$1,455,000	4,087
Pre-tax net operating income	$2,170,000	2,103
Securities gains (losses)	$39,000	2,801
Applicable income taxes	$332,000	2,269
Income before extraordinary items	$1,877,000	2,138
Extraordinary gains, net	$0	29
Net income	$1,877,000	2,139
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,877,000	2,140
Net charge-offs	$93,000	5,473
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,843,850	2,085
2010-09-30 (YTD Data)		Rank
Total interest income	$4,227,000	4,576
Total interest expense	$906,000	4,962
Net interest income	$3,321,000	4,348
Provision for loan and lease losses	$151,000	5,237
Total noninterest income	$1,259,000	2,355
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$400,000	2,586
Trading account gains and fees	$0	165
Additional Noninterest Income	$859,000	1,987
Total noninterest expense	$2,761,000	4,460
Salaries and employee benefits	$1,519,000	4,234
Premises and equipment expense	$214,000	5,590
Additional noninterest expense	$1,028,000	4,232
Pre-tax net operating income	$1,668,000	2,190
Securities gains (losses)	$39,000	2,572
Applicable income taxes	$323,000	2,075
Income before extraordinary items	$1,384,000	2,297
Extraordinary gains, net	$0	23
Net income	$1,384,000	2,293
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,384,000	2,298
Net charge-offs	$79,000	5,140
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,352,410	2,225
2010-06-30 (YTD Data)		Rank
Total interest income	$2,800,000	4,639
Total interest expense	$611,000	5,033
Net interest income	$2,189,000	4,375
Provision for loan and lease losses	$151,000	4,581
Total noninterest income	$525,000	3,127
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$268,000	2,580
Trading account gains and fees	$0	152
Additional Noninterest Income	$257,000	3,079
Total noninterest expense	$1,504,000	5,062
Salaries and employee benefits	$956,000	4,426
Premises and equipment expense	$85,000	6,585
Additional noninterest expense	$463,000	5,303
Pre-tax net operating income	$1,059,000	2,274
Securities gains (losses)	$0	3,184
Applicable income taxes	$312,000	1,705
Income before extraordinary items	$747,000	2,641
Extraordinary gains, net	$0	19
Net income	$747,000	2,636
Minority interest net income	$0	105
Net income of bank and minority interests.	$747,000	2,640
Net charge-offs	$75,000	4,534
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$747,000	2,530
2010-03-31 (YTD Data)		Rank
Total interest income	$1,376,000	4,745
Total interest expense	$320,000	5,034
Net interest income	$1,056,000	4,508
Provision for loan and lease losses	$76,000	4,283
Total noninterest income	$261,000	3,135
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$135,000	2,545
Trading account gains and fees	$0	175
Additional Noninterest Income	$126,000	3,112
Total noninterest expense	$719,000	5,230
Salaries and employee benefits	$480,000	4,467
Premises and equipment expense	$40,000	6,743
Additional noninterest expense	$199,000	5,713
Pre-tax net operating income	$522,000	2,330
Securities gains (losses)	$0	2,284
Applicable income taxes	$298,000	1,058
Income before extraordinary items	$224,000	3,674
Extraordinary gains, net	$0	16
Net income	$224,000	3,671
Minority interest net income	$0	91
Net income of bank and minority interests.	$224,000	3,673
Net charge-offs	$15,000	4,608
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$224,000	3,544
2009-12-31 (YTD Data)		Rank
Total interest income	$5,815,000	4,712
Total interest expense	$1,822,000	4,713
Net interest income	$3,993,000	4,581
Provision for loan and lease losses	$163,000	5,985
Total noninterest income	$957,000	3,427
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$528,000	2,776
Trading account gains and fees	$0	211
Additional Noninterest Income	$429,000	3,444
Total noninterest expense	$2,940,000	5,248
Salaries and employee benefits	$1,865,000	4,583
Premises and equipment expense	$171,000	6,741
Additional noninterest expense	$904,000	5,516
Pre-tax net operating income	$1,847,000	2,038
Securities gains (losses)	$0	3,754
Applicable income taxes	$545,000	1,474
Income before extraordinary items	$1,302,000	2,349
Extraordinary gains, net	$0	34
Net income	$1,302,000	2,347
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,302,000	2,348
Net charge-offs	$86,000	5,821
Cash dividends	$885,000	1,793
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,302,000	2,303
2009-09-30 (YTD Data)		Rank
Total interest income	$4,364,000	4,765
Total interest expense	$1,471,000	4,656
Net interest income	$2,893,000	4,686
Provision for loan and lease losses	$36,000	6,717
Total noninterest income	$676,000	3,603
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$369,000	2,930
Trading account gains and fees	$0	212
Additional Noninterest Income	$307,000	3,584
Total noninterest expense	$2,217,000	5,226
Salaries and employee benefits	$1,375,000	4,649
Premises and equipment expense	$126,000	6,814
Additional noninterest expense	$716,000	5,340
Pre-tax net operating income	$1,316,000	2,287
Securities gains (losses)	$0	3,497
Applicable income taxes	$385,000	1,670
Income before extraordinary items	$931,000	2,589
Extraordinary gains, net	$0	27
Net income	$931,000	2,586
Minority interest net income	$0	118
Net income of bank and minority interests.	$931,000	2,589
Net charge-offs	$85,000	5,213
Cash dividends	$548,000	1,905
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$931,000	2,548
2009-06-30 (YTD Data)		Rank
Total interest income	$2,879,000	4,835
Total interest expense	$1,047,000	4,598
Net interest income	$1,832,000	4,833
Provision for loan and lease losses	$0	7,158
Total noninterest income	$425,000	3,727
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$217,000	3,158
Trading account gains and fees	$0	193
Additional Noninterest Income	$208,000	3,604
Total noninterest expense	$1,448,000	5,344
Salaries and employee benefits	$895,000	4,759
Premises and equipment expense	$94,000	6,697
Additional noninterest expense	$459,000	5,476
Pre-tax net operating income	$809,000	2,500
Securities gains (losses)	$0	3,136
Applicable income taxes	$235,000	1,791
Income before extraordinary items	$574,000	2,846
Extraordinary gains, net	$0	21
Net income	$574,000	2,843
Minority interest net income	$0	112
Net income of bank and minority interests.	$574,000	2,846
Net charge-offs	$-1,000	7,516
Cash dividends	$360,000	1,994
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$574,000	2,733
2009-03-31 (YTD Data)		Rank
Total interest income	$1,451,000	4,837
Total interest expense	$549,000	4,585
Net interest income	$902,000	4,874
Provision for loan and lease losses	$0	6,744
Total noninterest income	$226,000	3,582
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$106,000	3,154
Trading account gains and fees	$0	171
Additional Noninterest Income	$120,000	3,356
Total noninterest expense	$685,000	5,446
Salaries and employee benefits	$445,000	4,833
Premises and equipment expense	$53,000	6,520
Additional noninterest expense	$187,000	5,774
Pre-tax net operating income	$443,000	2,600
Securities gains (losses)	$0	2,434
Applicable income taxes	$132,000	1,899
Income before extraordinary items	$311,000	3,062
Extraordinary gains, net	$0	15
Net income	$311,000	3,063
Minority interest net income	$0	102
Net income of bank and minority interests.	$311,000	3,063
Net charge-offs	$-2,000	7,404
Cash dividends	$180,000	1,808
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$311,000	2,911
2008-12-31 (YTD Data)		Rank
Total interest income	$6,092,000	4,884
Total interest expense	$2,601,000	4,638
Net interest income	$3,491,000	4,980
Provision for loan and lease losses	$100,000	6,027
Total noninterest income	$900,000	3,639
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$450,000	3,230
Trading account gains and fees	$0	154
Additional Noninterest Income	$450,000	3,379
Total noninterest expense	$2,703,000	5,429
Salaries and employee benefits	$1,801,000	4,790
Premises and equipment expense	$178,000	6,877
Additional noninterest expense	$724,000	5,726
Pre-tax net operating income	$1,588,000	2,912
Securities gains (losses)	$0	3,220
Applicable income taxes	$469,000	1,914
Income before extraordinary items	$1,119,000	3,072
Extraordinary gains, net	$0	39
Net income	$1,119,000	3,071
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,900
Cash dividends	$660,000	2,940
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,119,000	3,218
2008-09-30 (YTD Data)		Rank
Total interest income	$4,561,000	4,973
Total interest expense	$1,973,000	4,738
Net interest income	$2,588,000	5,062
Provision for loan and lease losses	$100,000	5,137
Total noninterest income	$684,000	3,688
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$340,000	3,245
Trading account gains and fees	$0	148
Additional Noninterest Income	$344,000	3,443
Total noninterest expense	$1,922,000	5,577
Salaries and employee benefits	$1,292,000	4,950
Premises and equipment expense	$108,000	7,256
Additional noninterest expense	$522,000	5,797
Pre-tax net operating income	$1,250,000	3,231
Securities gains (losses)	$0	3,106
Applicable income taxes	$372,000	2,242
Income before extraordinary items	$878,000	3,379
Extraordinary gains, net	$0	31
Net income	$878,000	3,377
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	7,978
Cash dividends	$495,000	2,773
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$878,000	3,510
2008-06-30 (YTD Data)		Rank
Total interest income	$3,049,000	5,027
Total interest expense	$1,359,000	4,776
Net interest income	$1,690,000	5,124
Provision for loan and lease losses	$100,000	4,246
Total noninterest income	$464,000	3,683
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$221,000	3,278
Trading account gains and fees	$0	149
Additional Noninterest Income	$243,000	3,401
Total noninterest expense	$1,273,000	5,627
Salaries and employee benefits	$873,000	4,930
Premises and equipment expense	$75,000	7,252
Additional noninterest expense	$325,000	5,961
Pre-tax net operating income	$781,000	3,475
Securities gains (losses)	$0	3,233
Applicable income taxes	$229,000	2,529
Income before extraordinary items	$552,000	3,815
Extraordinary gains, net	$0	21
Net income	$552,000	3,816
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,297
Cash dividends	$330,000	2,825
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$552,000	3,762
2008-03-31 (YTD Data)		Rank
Total interest income	$1,555,000	5,054
Total interest expense	$711,000	4,840
Net interest income	$844,000	5,140
Provision for loan and lease losses	$100,000	2,696
Total noninterest income	$243,000	3,580
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$111,000	3,231
Trading account gains and fees	$0	158
Additional Noninterest Income	$132,000	3,267
Total noninterest expense	$622,000	5,713
Salaries and employee benefits	$429,000	5,029
Premises and equipment expense	$40,000	7,158
Additional noninterest expense	$153,000	6,137
Pre-tax net operating income	$365,000	3,741
Securities gains (losses)	$0	2,688
Applicable income taxes	$106,000	2,723
Income before extraordinary items	$259,000	4,128
Extraordinary gains, net	$0	15
Net income	$259,000	4,130
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$165,000	2,507
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$259,000	4,024
2007-12-31 (YTD Data)		Rank
Total interest income	$6,351,000	5,024
Total interest expense	$2,879,000	4,905
Net interest income	$3,472,000	5,064
Provision for loan and lease losses	$395,000	2,723
Total noninterest income	$878,000	3,809
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$461,000	3,230
Trading account gains and fees	$0	178
Additional Noninterest Income	$417,000	3,658
Total noninterest expense	$2,498,000	5,612
Salaries and employee benefits	$1,626,000	5,048
Premises and equipment expense	$166,000	7,090
Additional noninterest expense	$706,000	5,709
Pre-tax net operating income	$1,457,000	3,962
Securities gains (losses)	$0	2,146
Applicable income taxes	$420,000	2,966
Income before extraordinary items	$1,037,000	4,236
Extraordinary gains, net	$0	39
Net income	$1,037,000	4,238
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$571,000	1,538
Cash dividends	$600,000	3,413
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,037,000	4,233
2007-09-30 (YTD Data)		Rank
Total interest income	$4,729,000	5,072
Total interest expense	$2,122,000	4,961
Net interest income	$2,607,000	5,066
Provision for loan and lease losses	$150,000	3,464
Total noninterest income	$638,000	3,887
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$346,000	3,209
Trading account gains and fees	$0	184
Additional Noninterest Income	$292,000	3,787
Total noninterest expense	$1,844,000	5,623
Salaries and employee benefits	$1,216,000	5,052
Premises and equipment expense	$109,000	7,284
Additional noninterest expense	$519,000	5,717
Pre-tax net operating income	$1,251,000	3,851
Securities gains (losses)	$0	1,655
Applicable income taxes	$369,000	2,909
Income before extraordinary items	$882,000	4,159
Extraordinary gains, net	$0	33
Net income	$882,000	4,158
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	4,289
Cash dividends	$450,000	3,069
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$882,000	4,144
2007-06-30 (YTD Data)		Rank
Total interest income	$3,081,000	5,166
Total interest expense	$1,384,000	5,022
Net interest income	$1,697,000	5,175
Provision for loan and lease losses	$0	6,209
Total noninterest income	$412,000	3,970
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$222,000	3,290
Trading account gains and fees	$0	168
Additional Noninterest Income	$190,000	3,872
Total noninterest expense	$1,251,000	5,593
Salaries and employee benefits	$820,000	5,058
Premises and equipment expense	$89,000	6,968
Additional noninterest expense	$342,000	5,752
Pre-tax net operating income	$858,000	3,867
Securities gains (losses)	$0	1,444
Applicable income taxes	$253,000	2,951
Income before extraordinary items	$605,000	4,152
Extraordinary gains, net	$0	29
Net income	$605,000	4,152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	4,420
Cash dividends	$300,000	3,098
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$605,000	4,145
2007-03-31 (YTD Data)		Rank
Total interest income	$1,514,000	5,216
Total interest expense	$692,000	5,013
Net interest income	$822,000	5,300
Provision for loan and lease losses	$0	5,779
Total noninterest income	$197,000	4,058
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$102,000	3,414
Trading account gains and fees	$0	195
Additional Noninterest Income	$95,000	3,842
Total noninterest expense	$633,000	5,585
Salaries and employee benefits	$420,000	5,002
Premises and equipment expense	$47,000	6,906
Additional noninterest expense	$166,000	5,824
Pre-tax net operating income	$386,000	4,087
Securities gains (losses)	$0	1,187
Applicable income taxes	$111,000	3,133
Income before extraordinary items	$275,000	4,359
Extraordinary gains, net	$0	22
Net income	$275,000	4,361
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	3,116
Cash dividends	$150,000	2,695
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$275,000	4,340
2006-12-31 (YTD Data)		Rank
Total interest income	$5,625,000	5,208
Total interest expense	$2,354,000	4,983
Net interest income	$3,271,000	5,268
Provision for loan and lease losses	$50,000	5,567
Total noninterest income	$814,000	4,009
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$403,000	3,520
Trading account gains and fees	$0	130
Additional Noninterest Income	$411,000	3,684
Total noninterest expense	$2,511,000	5,470
Salaries and employee benefits	$1,611,000	4,967
Premises and equipment expense	$220,000	6,512
Additional noninterest expense	$680,000	5,725
Pre-tax net operating income	$1,524,000	4,246
Securities gains (losses)	$0	1,687
Applicable income taxes	$446,000	3,301
Income before extraordinary items	$1,078,000	4,542
Extraordinary gains, net	$0	51
Net income	$1,078,000	4,544
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,000	2,766
Cash dividends	$600,000	3,434
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,078,000	4,527
2006-09-30 (YTD Data)		Rank
Total interest income	$4,157,000	5,244
Total interest expense	$1,652,000	5,080
Net interest income	$2,505,000	5,253
Provision for loan and lease losses	$0	6,685
Total noninterest income	$602,000	4,049
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$306,000	3,528
Trading account gains and fees	$0	126
Additional Noninterest Income	$296,000	3,756
Total noninterest expense	$1,839,000	5,531
Salaries and employee benefits	$1,175,000	5,041
Premises and equipment expense	$160,000	6,605
Additional noninterest expense	$504,000	5,750
Pre-tax net operating income	$1,268,000	4,166
Securities gains (losses)	$0	1,388
Applicable income taxes	$379,000	3,246
Income before extraordinary items	$889,000	4,453
Extraordinary gains, net	$0	45
Net income	$889,000	4,457
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	3,812
Cash dividends	$450,000	3,081
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$889,000	4,445
2006-06-30 (YTD Data)		Rank
Total interest income	$2,682,000	5,325
Total interest expense	$1,017,000	5,186
Net interest income	$1,665,000	5,284
Provision for loan and lease losses	$0	6,419
Total noninterest income	$404,000	4,027
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$199,000	3,558
Trading account gains and fees	$0	126
Additional Noninterest Income	$205,000	3,696
Total noninterest expense	$1,246,000	5,487
Salaries and employee benefits	$786,000	5,043
Premises and equipment expense	$119,000	6,367
Additional noninterest expense	$341,000	5,688
Pre-tax net operating income	$823,000	4,261
Securities gains (losses)	$0	1,185
Applicable income taxes	$246,000	3,330
Income before extraordinary items	$577,000	4,540
Extraordinary gains, net	$0	39
Net income	$577,000	4,544
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	4,339
Cash dividends	$300,000	3,088
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$577,000	4,531
2006-03-31 (YTD Data)		Rank
Total interest income	$1,281,000	5,400
Total interest expense	$480,000	5,234
Net interest income	$801,000	5,393
Provision for loan and lease losses	$0	6,013
Total noninterest income	$193,000	4,069
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$98,000	3,520
Trading account gains and fees	$0	115
Additional Noninterest Income	$95,000	3,822
Total noninterest expense	$609,000	5,577
Salaries and employee benefits	$391,000	5,093
Premises and equipment expense	$58,000	6,447
Additional noninterest expense	$160,000	5,864
Pre-tax net operating income	$385,000	4,359
Securities gains (losses)	$0	955
Applicable income taxes	$114,000	3,410
Income before extraordinary items	$271,000	4,661
Extraordinary gains, net	$0	21
Net income	$271,000	4,661
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	7,900
Cash dividends	$150,000	2,701
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$271,000	4,646
2005-12-31 (YTD Data)		Rank
Total interest income	$4,817,000	5,278
Total interest expense	$1,616,000	5,048
Net interest income	$3,201,000	5,291
Provision for loan and lease losses	$60,000	5,443
Total noninterest income	$792,000	4,066
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$446,000	3,298
Trading account gains and fees	$0	138
Additional Noninterest Income	$346,000	4,047
Total noninterest expense	$2,337,000	5,590
Salaries and employee benefits	$1,418,000	5,240
Premises and equipment expense	$162,000	7,142
Additional noninterest expense	$757,000	5,344
Pre-tax net operating income	$1,596,000	4,232
Securities gains (losses)	$0	2,296
Applicable income taxes	$462,000	3,490
Income before extraordinary items	$1,134,000	4,490
Extraordinary gains, net	$0	46
Net income	$1,134,000	4,491
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$254,000	1,951
Cash dividends	$548,000	3,494
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,134,000	4,445
2005-09-30 (YTD Data)		Rank
Total interest income	$3,520,000	5,330
Total interest expense	$1,133,000	5,097
Net interest income	$2,387,000	5,321
Provision for loan and lease losses	$60,000	4,948
Total noninterest income	$591,000	4,094
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$332,000	3,326
Trading account gains and fees	$0	126
Additional Noninterest Income	$259,000	4,063
Total noninterest expense	$1,689,000	5,675
Salaries and employee benefits	$1,009,000	5,386
Premises and equipment expense	$130,000	7,008
Additional noninterest expense	$550,000	5,409
Pre-tax net operating income	$1,229,000	4,250
Securities gains (losses)	$0	2,317
Applicable income taxes	$376,000	3,424
Income before extraordinary items	$853,000	4,585
Extraordinary gains, net	$0	35
Net income	$853,000	4,585
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$185,000	1,768
Cash dividends	$398,000	3,162
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$853,000	4,545
2005-06-30 (YTD Data)		Rank
Total interest income	$2,265,000	5,368
Total interest expense	$695,000	5,177
Net interest income	$1,570,000	5,353
Provision for loan and lease losses	$60,000	4,115
Total noninterest income	$411,000	3,987
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$213,000	3,359
Trading account gains and fees	$0	116
Additional Noninterest Income	$198,000	3,777
Total noninterest expense	$1,092,000	5,763
Salaries and employee benefits	$658,000	5,439
Premises and equipment expense	$76,000	7,248
Additional noninterest expense	$358,000	5,451
Pre-tax net operating income	$829,000	4,204
Securities gains (losses)	$0	2,146
Applicable income taxes	$254,000	3,383
Income before extraordinary items	$575,000	4,531
Extraordinary gains, net	$0	30
Net income	$575,000	4,532
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	1,780
Cash dividends	$240,000	3,277
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$575,000	4,473
2005-03-31 (YTD Data)		Rank
Total interest income	$1,121,000	5,380
Total interest expense	$343,000	5,108
Net interest income	$778,000	5,408
Provision for loan and lease losses	$60,000	2,830
Total noninterest income	$204,000	3,933
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$101,000	3,425
Trading account gains and fees	$0	115
Additional Noninterest Income	$103,000	3,676
Total noninterest expense	$562,000	5,713
Salaries and employee benefits	$325,000	5,539
Premises and equipment expense	$42,000	7,127
Additional noninterest expense	$195,000	5,175
Pre-tax net operating income	$360,000	4,531
Securities gains (losses)	$0	1,685
Applicable income taxes	$109,000	3,632
Income before extraordinary items	$251,000	4,859
Extraordinary gains, net	$0	24
Net income	$251,000	4,860
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,095
Cash dividends	$120,000	2,766
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$251,000	4,818
2004-12-31 (YTD Data)		Rank
Total interest income	$4,524,000	5,161
Total interest expense	$1,187,000	5,152
Net interest income	$3,337,000	5,069
Provision for loan and lease losses	$335,000	2,700
Total noninterest income	$697,000	4,400
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$462,000	3,315
Trading account gains and fees	$0	138
Additional Noninterest Income	$235,000	4,759
Total noninterest expense	$2,258,000	5,614
Salaries and employee benefits	$1,323,000	5,375
Premises and equipment expense	$172,000	7,074
Additional noninterest expense	$763,000	5,257
Pre-tax net operating income	$1,441,000	4,344
Securities gains (losses)	$0	3,819
Applicable income taxes	$441,000	3,547
Income before extraordinary items	$1,000,000	4,705
Extraordinary gains, net	$0	34
Net income	$1,000,000	4,706
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	3,656
Cash dividends	$480,000	3,623
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,000,000	4,630
2004-09-30 (YTD Data)		Rank
Total interest income	$3,344,000	5,186
Total interest expense	$848,000	5,270
Net interest income	$2,496,000	5,069
Provision for loan and lease losses	$240,000	2,636
Total noninterest income	$524,000	4,405
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$342,000	3,358
Trading account gains and fees	$0	134
Additional Noninterest Income	$182,000	4,696
Total noninterest expense	$1,595,000	5,779
Salaries and employee benefits	$953,000	5,474
Premises and equipment expense	$99,000	7,547
Additional noninterest expense	$543,000	5,384
Pre-tax net operating income	$1,185,000	4,184
Securities gains (losses)	$0	3,710
Applicable income taxes	$368,000	3,445
Income before extraordinary items	$817,000	4,570
Extraordinary gains, net	$0	26
Net income	$817,000	4,570
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	3,251
Cash dividends	$360,000	3,173
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$817,000	4,484
2004-06-30 (YTD Data)		Rank
Total interest income	$2,186,000	5,264
Total interest expense	$558,000	5,334
Net interest income	$1,628,000	5,134
Provision for loan and lease losses	$135,000	2,929
Total noninterest income	$361,000	4,357
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$220,000	3,425
Trading account gains and fees	$0	130
Additional Noninterest Income	$141,000	4,431
Total noninterest expense	$1,060,000	5,816
Salaries and employee benefits	$646,000	5,465
Premises and equipment expense	$71,000	7,432
Additional noninterest expense	$343,000	5,567
Pre-tax net operating income	$794,000	4,138
Securities gains (losses)	$0	3,413
Applicable income taxes	$249,000	3,399
Income before extraordinary items	$545,000	4,503
Extraordinary gains, net	$0	21
Net income	$545,000	4,504
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	3,302
Cash dividends	$240,000	3,198
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$545,000	4,420
2004-03-31 (YTD Data)		Rank
Total interest income	$1,107,000	5,240
Total interest expense	$285,000	5,323
Net interest income	$822,000	5,116
Provision for loan and lease losses	$100,000	2,105
Total noninterest income	$189,000	4,180
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$104,000	3,485
Trading account gains and fees	$0	121
Additional Noninterest Income	$85,000	4,044
Total noninterest expense	$509,000	5,984
Salaries and employee benefits	$310,000	5,642
Premises and equipment expense	$37,000	7,419
Additional noninterest expense	$162,000	5,766
Pre-tax net operating income	$402,000	4,070
Securities gains (losses)	$0	2,934
Applicable income taxes	$128,000	3,374
Income before extraordinary items	$274,000	4,522
Extraordinary gains, net	$0	16
Net income	$274,000	4,521
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	2,902
Cash dividends	$120,000	2,702
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$274,000	4,389
2003-12-31 (YTD Data)		Rank
Total interest income	$4,808,000	5,026
Total interest expense	$1,360,000	5,189
Net interest income	$3,448,000	4,853
Provision for loan and lease losses	$450,000	2,353
Total noninterest income	$649,000	4,751
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$430,000	3,489
Trading account gains and fees	$0	160
Additional Noninterest Income	$219,000	5,101
Total noninterest expense	$2,132,000	5,772
Salaries and employee benefits	$1,280,000	5,404
Premises and equipment expense	$178,000	7,051
Additional noninterest expense	$674,000	5,616
Pre-tax net operating income	$1,515,000	4,103
Securities gains (losses)	$0	4,500
Applicable income taxes	$455,000	3,554
Income before extraordinary items	$1,060,000	4,476
Extraordinary gains, net	$0	54
Net income	$1,060,000	4,478
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	8,760
Cash dividends	$450,000	3,702
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,060,000	4,307
2003-09-30 (YTD Data)		Rank
Total interest income	$3,621,000	5,068
Total interest expense	$1,110,000	5,050
Net interest income	$2,511,000	4,952
Provision for loan and lease losses	$300,000	2,501
Total noninterest income	$489,000	4,803
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$322,000	3,493
Trading account gains and fees	$0	153
Additional Noninterest Income	$167,000	5,136
Total noninterest expense	$1,514,000	5,950
Salaries and employee benefits	$908,000	5,571
Premises and equipment expense	$106,000	7,527
Additional noninterest expense	$500,000	5,640
Pre-tax net operating income	$1,186,000	4,107
Securities gains (losses)	$0	4,204
Applicable income taxes	$357,000	3,602
Income before extraordinary items	$829,000	4,498
Extraordinary gains, net	$0	40
Net income	$829,000	4,498
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	8,671
Cash dividends	$339,000	3,295
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$829,000	4,330
2003-06-30 (YTD Data)		Rank
Total interest income	$2,421,000	5,092
Total interest expense	$781,000	5,008
Net interest income	$1,640,000	5,021
Provision for loan and lease losses	$200,000	2,502
Total noninterest income	$305,000	4,945
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$201,000	3,607
Trading account gains and fees	$0	150
Additional Noninterest Income	$104,000	5,264
Total noninterest expense	$1,004,000	5,970
Salaries and employee benefits	$613,000	5,546
Premises and equipment expense	$81,000	7,268
Additional noninterest expense	$310,000	5,878
Pre-tax net operating income	$741,000	4,275
Securities gains (losses)	$0	3,782
Applicable income taxes	$221,000	3,773
Income before extraordinary items	$520,000	4,694
Extraordinary gains, net	$0	30
Net income	$520,000	4,694
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-78,000	9,086
Cash dividends	$226,000	3,290
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$520,000	4,490
2003-03-31 (YTD Data)		Rank
Total interest income	$1,218,000	5,095
Total interest expense	$411,000	4,954
Net interest income	$807,000	5,068
Provision for loan and lease losses	$100,000	2,353
Total noninterest income	$147,000	4,940
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$97,000	3,626
Trading account gains and fees	$0	134
Additional Noninterest Income	$50,000	5,268
Total noninterest expense	$515,000	5,904
Salaries and employee benefits	$316,000	5,464
Premises and equipment expense	$37,000	7,479
Additional noninterest expense	$162,000	5,685
Pre-tax net operating income	$339,000	4,460
Securities gains (losses)	$0	2,891
Applicable income taxes	$100,000	3,933
Income before extraordinary items	$239,000	4,830
Extraordinary gains, net	$0	21
Net income	$239,000	4,830
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,250
Cash dividends	$113,000	2,792
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$239,000	4,640
2002-12-31 (YTD Data)		Rank
Total interest income	$5,186,000	5,056
Total interest expense	$2,044,000	4,727
Net interest income	$3,142,000	5,147
Provision for loan and lease losses	$950,000	1,410
Total noninterest income	$589,000	4,780
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$411,000	3,472
Trading account gains and fees	$0	153
Additional Noninterest Income	$178,000	5,245
Total noninterest expense	$2,068,000	5,770
Salaries and employee benefits	$1,131,000	5,709
Premises and equipment expense	$188,000	6,919
Additional noninterest expense	$749,000	5,164
Pre-tax net operating income	$713,000	6,032
Securities gains (losses)	$0	4,537
Applicable income taxes	$214,000	5,013
Income before extraordinary items	$499,000	6,414
Extraordinary gains, net	$0	70
Net income	$499,000	6,413
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,104,000	873
Cash dividends	$428,000	3,711
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$499,000	6,252
2001-12-31 (YTD Data)		Rank
Total interest income	$5,530,000	5,273
Total interest expense	$2,762,000	5,042
Net interest income	$2,768,000	5,355
Provision for loan and lease losses	$480,000	2,273
Total noninterest income	$597,000	4,589
Gross Fiduciary activities income	$22,000	1,291
Service charges on deposit accounts	$416,000	3,279
Trading account gains and fees	$0	177
Additional Noninterest Income	$159,000	5,429
Total noninterest expense	$1,963,000	5,806
Salaries and employee benefits	$1,093,000	5,666
Premises and equipment expense	$172,000	7,186
Additional noninterest expense	$698,000	5,313
Pre-tax net operating income	$922,000	5,110
Securities gains (losses)	$4,000	4,008
Applicable income taxes	$307,000	4,210
Income before extraordinary items	$619,000	5,532
Extraordinary gains, net	$0	105
Net income	$619,000	5,536
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$283,000	2,328
Cash dividends	$420,000	3,759
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$616,320	5,417
2000-12-31 (YTD Data)		Rank
Total interest income	$5,620,000	5,312
Total interest expense	$2,753,000	5,236
Net interest income	$2,867,000	5,316
Provision for loan and lease losses	$110,000	5,095
Total noninterest income	$748,000	3,823
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$426,000	3,083
Trading account gains and fees	NA	NA
Additional Noninterest Income	$322,000	3,772
Total noninterest expense	$1,891,000	5,879
Salaries and employee benefits	$1,039,000	5,771
Premises and equipment expense	$186,000	6,980
Additional noninterest expense	$666,000	5,371
Pre-tax net operating income	$1,614,000	3,871
Securities gains (losses)	$-5,000	7,961
Applicable income taxes	$521,000	3,400
Income before extraordinary items	$1,088,000	4,139
Extraordinary gains, net	$0	38
Net income	$1,088,000	4,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$280,000	1,911
Cash dividends	$390,000	4,022
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,091,400	4,130
1999-12-31 (YTD Data)		Rank
Total interest income	$4,745,000	5,752
Total interest expense	$2,459,000	5,244
Net interest income	$2,286,000	6,119
Provision for loan and lease losses	$0	8,503
Total noninterest income	$480,000	5,076
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$348,000	3,584
Trading account gains and fees	NA	NA
Additional Noninterest Income	$132,000	5,922
Total noninterest expense	$1,556,000	6,640
Salaries and employee benefits	$811,000	6,704
Premises and equipment expense	$133,000	7,976
Additional noninterest expense	$612,000	5,754
Pre-tax net operating income	$1,210,000	4,740
Securities gains (losses)	$0	3,155
Applicable income taxes	$410,000	4,096
Income before extraordinary items	$800,000	5,098
Extraordinary gains, net	$0	35
Net income	$800,000	5,097
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	4,288
Cash dividends	$360,000	4,146
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$800,000	5,049
1998-12-31 (YTD Data)		Rank
Total interest income	$4,644,000	5,956
Total interest expense	$2,525,000	5,328
Net interest income	$2,119,000	6,458
Provision for loan and lease losses	$0	8,652
Total noninterest income	$473,000	5,095
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$318,000	3,762
Trading account gains and fees	NA	NA
Additional Noninterest Income	$155,000	5,595
Total noninterest expense	$1,376,000	7,028
Salaries and employee benefits	$712,000	7,115
Premises and equipment expense	$125,000	8,162
Additional noninterest expense	$539,000	6,175
Pre-tax net operating income	$1,216,000	4,844
Securities gains (losses)	$5,000	3,437
Applicable income taxes	$407,000	4,371
Income before extraordinary items	$814,000	5,137
Extraordinary gains, net	$0	32
Net income	$814,000	5,137
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-274,000	10,382
Cash dividends	$360,000	4,192
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$810,650	5,070
1997-12-31 (YTD Data)		Rank
Total interest income	$4,443,000	6,283
Total interest expense	$2,412,000	5,541
Net interest income	$2,031,000	6,852
Provision for loan and lease losses	$10,000	8,395
Total noninterest income	$447,000	5,350
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$309,000	3,978
Trading account gains and fees	NA	NA
Additional Noninterest Income	$138,000	5,921
Total noninterest expense	$1,367,000	7,127
Salaries and employee benefits	$697,000	7,330
Premises and equipment expense	$166,000	7,452
Additional noninterest expense	$504,000	6,471
Pre-tax net operating income	$1,101,000	5,529
Securities gains (losses)	$-9,000	9,978
Applicable income taxes	$363,000	5,184
Income before extraordinary items	$729,000	5,767
Extraordinary gains, net	$0	44
Net income	$729,000	5,770
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-69,000	10,627
Cash dividends	$360,000	4,163
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$735,030	5,701
1996-12-31 (YTD Data)		Rank
Total interest income	$4,366,000	6,510
Total interest expense	$2,409,000	5,663
Net interest income	$1,957,000	7,235
Provision for loan and lease losses	$130,000	4,417
Total noninterest income	$458,000	5,472
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$285,000	4,383
Trading account gains and fees	NA	NA
Additional Noninterest Income	$173,000	5,561
Total noninterest expense	$1,322,000	7,598
Salaries and employee benefits	$711,000	7,457
Premises and equipment expense	$126,000	8,634
Additional noninterest expense	$485,000	7,178
Pre-tax net operating income	$963,000	5,864
Securities gains (losses)	$-26,000	10,772
Applicable income taxes	$315,000	5,673
Income before extraordinary items	$622,000	6,142
Extraordinary gains, net	$0	53
Net income	$622,000	6,145
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	4,102
Cash dividends	$360,000	4,121
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$639,160	5,980
1995-12-31 (YTD Data)		Rank
Total interest income	$4,303,000	6,684
Total interest expense	$2,229,000	6,029
Net interest income	$2,074,000	7,136
Provision for loan and lease losses	$0	8,958
Total noninterest income	$406,000	5,937
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$265,000	4,739
Trading account gains and fees	NA	NA
Additional Noninterest Income	$141,000	6,163
Total noninterest expense	$1,300,000	7,864
Salaries and employee benefits	$669,000	7,935
Premises and equipment expense	$142,000	8,472
Additional noninterest expense	$489,000	7,351
Pre-tax net operating income	$1,180,000	5,303
Securities gains (losses)	$8,000	2,536
Applicable income taxes	$403,000	4,928
Income before extraordinary items	$785,000	5,520
Extraordinary gains, net	$0	65
Net income	$785,000	5,518
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-78,000	11,646
Cash dividends	$360,000	4,106
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$779,720	5,531
1994-12-31 (YTD Data)		Rank
Total interest income	$3,601,000	7,188
Total interest expense	$1,634,000	6,515
Net interest income	$1,967,000	7,645
Provision for loan and lease losses	$0	9,146
Total noninterest income	$349,000	6,679
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$230,000	5,352
Trading account gains and fees	NA	NA
Additional Noninterest Income	$119,000	6,953
Total noninterest expense	$1,541,000	7,470
Salaries and employee benefits	$673,000	8,084
Premises and equipment expense	$338,000	5,200
Additional noninterest expense	$530,000	7,597
Pre-tax net operating income	$775,000	7,010
Securities gains (losses)	$-2,000	9,023
Applicable income taxes	$263,000	6,354
Income before extraordinary items	$510,000	7,234
Extraordinary gains, net	$0	249
Net income	$510,000	7,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,413
Cash dividends	$360,000	3,991
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$511,320	7,259
1993-12-31 (YTD Data)		Rank
Total interest income	$3,619,000	7,377
Total interest expense	$1,751,000	6,482
Net interest income	$1,868,000	8,045
Provision for loan and lease losses	$30,000	8,397
Total noninterest income	$350,000	7,025
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$219,000	5,619
Trading account gains and fees	NA	NA
Additional Noninterest Income	$131,000	6,993
Total noninterest expense	$1,306,000	8,485
Salaries and employee benefits	$615,000	8,675
Premises and equipment expense	$123,000	9,690
Additional noninterest expense	$568,000	7,614
Pre-tax net operating income	$882,000	6,414
Securities gains (losses)	$94,000	2,589
Applicable income taxes	$329,000	5,745
Income before extraordinary items	$647,000	6,443
Extraordinary gains, net	$0	3,149
Net income	$647,000	6,606
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$262,000	2,671
Cash dividends	$360,000	3,906
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$584,960	6,650
1992-12-31 (YTD Data)		Rank
Total interest income	$3,947,000	7,582
Total interest expense	$2,121,000	6,812
Net interest income	$1,826,000	8,265
Provision for loan and lease losses	$450,000	3,212
Total noninterest income	$356,000	7,033
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$218,000	5,664
Trading account gains and fees	NA	NA
Additional Noninterest Income	$138,000	6,940
Total noninterest expense	$1,223,000	8,942
Salaries and employee benefits	$591,000	8,886
Premises and equipment expense	$116,000	10,180
Additional noninterest expense	$516,000	8,297
Pre-tax net operating income	$509,000	8,349
Securities gains (losses)	$219,000	1,887
Applicable income taxes	$240,000	6,828
Income before extraordinary items	$488,000	7,431
Extraordinary gains, net	$0	1,422
Net income	$488,000	7,523
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$284,000	3,447
Cash dividends	$360,000	3,572
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$341,270	8,443

* 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.