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Fox Valley Savings Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$12,542,000	2,530
Total interest expense	$4,415,000	2,164
Net interest income	$8,127,000	2,671
Provision for loan and lease losses	$0	3,275
Total noninterest income	$1,681,000	2,199
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$448,000	1,770
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,233,000	2,075
Total noninterest expense	$9,783,000	2,067
Salaries and employee benefits	$5,340,000	2,106
Premises and equipment expense	$940,000	2,100
Additional noninterest expense	$1,233,000	2,075
Pre-tax net operating income	$25,000	4,301
Securities gains (losses)	$230,000	155
Applicable income taxes	$-325,000	4,481
Income before extraordinary items	$580,000	3,812
Extraordinary gains, net	$0	54
Net income	$580,000	3,850
Minority interest net income	$0	88
Net income of bank and minority interests.	$580,000	3,813
Net charge-offs	$8,000	2,487
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$350,000	4,037
2023-09-30 (YTD Data)		Rank
Total interest income	$9,359,000	2,517
Total interest expense	$3,019,000	2,164
Net interest income	$6,340,000	2,631
Provision for loan and lease losses	$0	3,085
Total noninterest income	$1,249,000	2,193
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$335,000	1,784
Trading account gains and fees	NA	NA
Additional Noninterest Income	$914,000	2,085
Total noninterest expense	$7,214,000	2,086
Salaries and employee benefits	$3,914,000	2,127
Premises and equipment expense	$709,000	2,094
Additional noninterest expense	$914,000	2,085
Pre-tax net operating income	$375,000	4,034
Securities gains (losses)	$230,000	102
Applicable income taxes	$-132,000	4,519
Income before extraordinary items	$737,000	3,553
Extraordinary gains, net	$0	52
Net income	$737,000	3,585
Minority interest net income	$0	81
Net income of bank and minority interests.	$737,000	3,553
Net charge-offs	$5,000	2,314
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$507,000	3,843
2023-06-30 (YTD Data)		Rank
Total interest income	$6,195,000	2,493
Total interest expense	$1,766,000	2,162
Net interest income	$4,429,000	2,580
Provision for loan and lease losses	$0	2,940
Total noninterest income	$807,000	2,186
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$222,000	1,775
Trading account gains and fees	NA	NA
Additional Noninterest Income	$585,000	2,036
Total noninterest expense	$4,922,000	2,057
Salaries and employee benefits	$2,663,000	2,097
Premises and equipment expense	$471,000	2,088
Additional noninterest expense	$585,000	2,033
Pre-tax net operating income	$314,000	3,983
Securities gains (losses)	$230,000	110
Applicable income taxes	$-53,000	4,534
Income before extraordinary items	$597,000	3,430
Extraordinary gains, net	$0	51
Net income	$597,000	3,463
Minority interest net income	$0	81
Net income of bank and minority interests.	$597,000	3,429
Net charge-offs	$3,000	2,145
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$367,000	3,835
2023-03-31 (YTD Data)		Rank
Total interest income	$3,137,000	2,466
Total interest expense	$709,000	2,226
Net interest income	$2,428,000	2,481
Provision for loan and lease losses	$0	2,612
Total noninterest income	$356,000	2,303
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$108,000	1,814
Trading account gains and fees	NA	NA
Additional Noninterest Income	$248,000	2,195
Total noninterest expense	$2,522,000	2,051
Salaries and employee benefits	$1,325,000	2,139
Premises and equipment expense	$225,000	2,188
Additional noninterest expense	$248,000	2,195
Pre-tax net operating income	$262,000	3,724
Securities gains (losses)	$245,000	98
Applicable income taxes	$33,000	2,759
Income before extraordinary items	$474,000	3,003
Extraordinary gains, net	$0	4
Net income	$474,000	3,002
Minority interest net income	$0	48
Net income of bank and minority interests.	$474,000	3,003
Net charge-offs	$2,000	1,796
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$246,150	3,678
2022-12-31 (YTD Data)		Rank
Total interest income	$11,898,000	2,293
Total interest expense	$1,317,000	2,074
Net interest income	$10,581,000	2,292
Provision for loan and lease losses	$0	3,012
Total noninterest income	$1,690,000	2,214
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$451,000	1,800
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,239,000	2,107
Total noninterest expense	$9,237,000	2,112
Salaries and employee benefits	$5,354,000	2,085
Premises and equipment expense	$853,000	2,215
Additional noninterest expense	$1,239,000	2,107
Pre-tax net operating income	$3,034,000	2,646
Securities gains (losses)	$8,000	463
Applicable income taxes	$324,000	2,353
Income before extraordinary items	$2,718,000	2,574
Extraordinary gains, net	$0	5
Net income	$2,718,000	2,571
Minority interest net income	$0	63
Net income of bank and minority interests.	$2,718,000	2,573
Net charge-offs	$13,000	2,062
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$2,710,880	2,607
2022-09-30 (YTD Data)		Rank
Total interest income	$8,775,000	2,253
Total interest expense	$910,000	1,888
Net interest income	$7,865,000	2,276
Provision for loan and lease losses	$0	2,835
Total noninterest income	$1,247,000	2,265
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$331,000	1,845
Trading account gains and fees	NA	NA
Additional Noninterest Income	$916,000	2,154
Total noninterest expense	$6,863,000	2,115
Salaries and employee benefits	$3,983,000	2,092
Premises and equipment expense	$674,000	2,156
Additional noninterest expense	$916,000	2,154
Pre-tax net operating income	$2,249,000	2,651
Securities gains (losses)	$172,000	115
Applicable income taxes	$283,000	2,260
Income before extraordinary items	$2,138,000	2,500
Extraordinary gains, net	$0	4
Net income	$2,138,000	2,498
Minority interest net income	$0	57
Net income of bank and minority interests.	$2,138,000	2,499
Net charge-offs	$11,000	1,790
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$1,986,640	2,626
2022-06-30 (YTD Data)		Rank
Total interest income	$5,739,000	2,238
Total interest expense	$579,000	1,780
Net interest income	$5,160,000	2,267
Provision for loan and lease losses	$0	2,599
Total noninterest income	$866,000	2,218
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$219,000	1,839
Trading account gains and fees	NA	NA
Additional Noninterest Income	$647,000	2,116
Total noninterest expense	$4,518,000	2,123
Salaries and employee benefits	$2,659,000	2,098
Premises and equipment expense	$451,000	2,156
Additional noninterest expense	$1,408,000	2,092
Pre-tax net operating income	$1,508,000	2,559
Securities gains (losses)	$172,000	107
Applicable income taxes	$208,000	2,100
Income before extraordinary items	$1,472,000	2,373
Extraordinary gains, net	$0	4
Net income	$1,472,000	2,373
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,472,000	2,373
Net charge-offs	$9,000	1,615
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,320,640	2,541
2022-03-31 (YTD Data)		Rank
Total interest income	$2,851,000	2,196
Total interest expense	$285,000	1,746
Net interest income	$2,566,000	2,230
Provision for loan and lease losses	$0	2,285
Total noninterest income	$414,000	2,258
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$104,000	1,889
Trading account gains and fees	NA	NA
Additional Noninterest Income	$310,000	2,147
Total noninterest expense	$2,255,000	2,122
Salaries and employee benefits	$1,311,000	2,112
Premises and equipment expense	$228,000	2,156
Additional noninterest expense	$716,000	2,065
Pre-tax net operating income	$725,000	2,514
Securities gains (losses)	$172,000	94
Applicable income taxes	$118,000	1,970
Income before extraordinary items	$779,000	2,232
Extraordinary gains, net	$0	4
Net income	$779,000	2,232
Minority interest net income	$0	50
Net income of bank and minority interests.	$779,000	2,232
Net charge-offs	$7,000	1,284
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$629,360	2,508
2021-12-31 (YTD Data)		Rank
Total interest income	$11,396,000	2,271
Total interest expense	$1,260,000	1,883
Net interest income	$10,136,000	2,312
Provision for loan and lease losses	$75,000	2,339
Total noninterest income	$3,387,000	1,665
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$417,000	1,811
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,970,000	1,499
Total noninterest expense	$9,355,000	2,064
Salaries and employee benefits	$5,768,000	1,985
Premises and equipment expense	$826,000	2,267
Additional noninterest expense	$2,761,000	2,097
Pre-tax net operating income	$4,093,000	2,297
Securities gains (losses)	$457,000	389
Applicable income taxes	$786,000	1,781
Income before extraordinary items	$3,764,000	2,253
Extraordinary gains, net	$0	10
Net income	$3,764,000	2,254
Minority interest net income	$0	74
Net income of bank and minority interests.	$3,764,000	2,254
Net charge-offs	$-9,000	3,637
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$3,384,690	2,367
2021-09-30 (YTD Data)		Rank
Total interest income	$8,514,000	2,323
Total interest expense	$969,000	1,931
Net interest income	$7,545,000	2,358
Provision for loan and lease losses	$75,000	2,140
Total noninterest income	$2,519,000	1,718
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$306,000	1,831
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,213,000	1,564
Total noninterest expense	$6,927,000	2,090
Salaries and employee benefits	$4,205,000	2,025
Premises and equipment expense	$645,000	2,247
Additional noninterest expense	$2,077,000	2,106
Pre-tax net operating income	$3,062,000	2,400
Securities gains (losses)	$457,000	354
Applicable income taxes	$615,000	1,829
Income before extraordinary items	$2,904,000	2,293
Extraordinary gains, net	$0	8
Net income	$2,904,000	2,292
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,904,000	2,293
Net charge-offs	$-11,000	3,687
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$2,524,690	2,466
2021-06-30 (YTD Data)		Rank
Total interest income	$5,660,000	2,324
Total interest expense	$677,000	1,940
Net interest income	$4,983,000	2,359
Provision for loan and lease losses	$75,000	1,864
Total noninterest income	$1,781,000	1,632
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$198,000	1,812
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,583,000	1,467
Total noninterest expense	$4,614,000	2,090
Salaries and employee benefits	$2,795,000	2,015
Premises and equipment expense	$427,000	2,246
Additional noninterest expense	$1,392,000	2,072
Pre-tax net operating income	$2,075,000	2,339
Securities gains (losses)	$457,000	290
Applicable income taxes	$465,000	1,711
Income before extraordinary items	$2,067,000	2,181
Extraordinary gains, net	$0	6
Net income	$2,067,000	2,180
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,067,000	2,181
Net charge-offs	$-19,000	4,036
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,692,260	2,422
2021-03-31 (YTD Data)		Rank
Total interest income	$2,814,000	2,320
Total interest expense	$365,000	1,912
Net interest income	$2,449,000	2,371
Provision for loan and lease losses	$75,000	1,426
Total noninterest income	$1,081,000	1,455
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$92,000	1,898
Trading account gains and fees	NA	NA
Additional Noninterest Income	$989,000	1,287
Total noninterest expense	$2,309,000	2,066
Salaries and employee benefits	$1,405,000	2,005
Premises and equipment expense	$218,000	2,241
Additional noninterest expense	$686,000	2,063
Pre-tax net operating income	$1,146,000	2,202
Securities gains (losses)	$457,000	203
Applicable income taxes	$327,000	1,447
Income before extraordinary items	$1,276,000	1,926
Extraordinary gains, net	$0	3
Net income	$1,276,000	1,925
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,276,000	1,926
Net charge-offs	$2,000	1,718
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$910,400	2,297
2020-12-31 (YTD Data)		Rank
Total interest income	$11,537,000	2,300
Total interest expense	$2,414,000	1,746
Net interest income	$9,123,000	2,403
Provision for loan and lease losses	$327,000	2,603
Total noninterest income	$4,147,000	1,427
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$354,000	2,040
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,793,000	1,253
Total noninterest expense	$9,228,000	2,060
Salaries and employee benefits	$5,733,000	1,960
Premises and equipment expense	$836,000	2,284
Additional noninterest expense	$2,659,000	2,119
Pre-tax net operating income	$3,715,000	2,151
Securities gains (losses)	$70,000	1,556
Applicable income taxes	$661,000	1,735
Income before extraordinary items	$3,124,000	2,253
Extraordinary gains, net	$0	4
Net income	$3,124,000	2,253
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,124,000	2,253
Net charge-offs	$87,000	2,102
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$3,065,900	2,233
2020-09-30 (YTD Data)		Rank
Total interest income	$8,530,000	2,339
Total interest expense	$1,986,000	1,708
Net interest income	$6,544,000	2,467
Provision for loan and lease losses	$250,000	2,568
Total noninterest income	$3,024,000	1,414
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$255,000	2,083
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,769,000	1,238
Total noninterest expense	$6,799,000	2,070
Salaries and employee benefits	$4,127,000	2,005
Premises and equipment expense	$665,000	2,191
Additional noninterest expense	$2,007,000	2,074
Pre-tax net operating income	$2,519,000	2,278
Securities gains (losses)	$59,000	1,469
Applicable income taxes	$439,000	1,819
Income before extraordinary items	$2,139,000	2,357
Extraordinary gains, net	$0	4
Net income	$2,139,000	2,357
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,139,000	2,357
Net charge-offs	$90,000	1,734
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,090,030	2,339
2020-06-30 (YTD Data)		Rank
Total interest income	$5,645,000	2,374
Total interest expense	$1,462,000	1,673
Net interest income	$4,183,000	2,555
Provision for loan and lease losses	$75,000	3,188
Total noninterest income	$1,765,000	1,465
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$162,000	2,165
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,603,000	1,262
Total noninterest expense	$4,433,000	2,103
Salaries and employee benefits	$2,667,000	2,050
Premises and equipment expense	$437,000	2,211
Additional noninterest expense	$1,329,000	2,074
Pre-tax net operating income	$1,440,000	2,443
Securities gains (losses)	$59,000	1,229
Applicable income taxes	$245,000	1,891
Income before extraordinary items	$1,254,000	2,491
Extraordinary gains, net	$0	4
Net income	$1,254,000	2,490
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,254,000	2,491
Net charge-offs	$47,000	1,769
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,204,440	2,510
2020-03-31 (YTD Data)		Rank
Total interest income	$2,851,000	2,346
Total interest expense	$754,000	1,761
Net interest income	$2,097,000	2,511
Provision for loan and lease losses	$0	3,711
Total noninterest income	$693,000	1,617
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$84,000	2,374
Trading account gains and fees	NA	NA
Additional Noninterest Income	$609,000	1,340
Total noninterest expense	$2,240,000	2,098
Salaries and employee benefits	$1,330,000	2,056
Premises and equipment expense	$225,000	2,176
Additional noninterest expense	$685,000	2,049
Pre-tax net operating income	$550,000	2,657
Securities gains (losses)	$12,000	1,271
Applicable income taxes	$75,000	2,147
Income before extraordinary items	$487,000	2,657
Extraordinary gains, net	$0	4
Net income	$487,000	2,656
Minority interest net income	$0	56
Net income of bank and minority interests.	$487,000	2,658
Net charge-offs	$-1,000	3,618
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$476,560	2,684
2019-12-31 (YTD Data)		Rank
Total interest income	$11,966,000	2,289
Total interest expense	$2,946,000	1,824
Net interest income	$9,020,000	2,422
Provision for loan and lease losses	$295,000	2,001
Total noninterest income	$2,293,000	1,838
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$343,000	2,410
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,950,000	1,564
Total noninterest expense	$8,237,000	2,204
Salaries and employee benefits	$4,836,000	2,159
Premises and equipment expense	$786,000	2,370
Additional noninterest expense	$2,615,000	2,146
Pre-tax net operating income	$2,781,000	2,575
Securities gains (losses)	$401,000	424
Applicable income taxes	$589,000	1,859
Income before extraordinary items	$2,593,000	2,523
Extraordinary gains, net	$0	11
Net income	$2,593,000	2,524
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,593,000	2,525
Net charge-offs	$268,000	1,444
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,268,190	2,689
2019-09-30 (YTD Data)		Rank
Total interest income	$9,090,000	2,303
Total interest expense	$2,241,000	1,823
Net interest income	$6,849,000	2,434
Provision for loan and lease losses	$20,000	3,531
Total noninterest income	$1,558,000	1,935
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$255,000	2,449
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,303,000	1,653
Total noninterest expense	$5,993,000	2,257
Salaries and employee benefits	$3,439,000	2,242
Premises and equipment expense	$605,000	2,350
Additional noninterest expense	$1,949,000	2,154
Pre-tax net operating income	$2,394,000	2,434
Securities gains (losses)	$-1,000	4,641
Applicable income taxes	$466,000	1,855
Income before extraordinary items	$1,927,000	2,586
Extraordinary gains, net	$0	11
Net income	$1,927,000	2,587
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,927,000	2,587
Net charge-offs	$17,000	2,774
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,927,810	2,555
2019-06-30 (YTD Data)		Rank
Total interest income	$6,115,000	2,286
Total interest expense	$1,477,000	1,810
Net interest income	$4,638,000	2,419
Provision for loan and lease losses	$20,000	3,272
Total noninterest income	$920,000	2,048
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$163,000	2,484
Trading account gains and fees	NA	NA
Additional Noninterest Income	$757,000	1,761
Total noninterest expense	$3,892,000	2,303
Salaries and employee benefits	$2,217,000	2,293
Premises and equipment expense	$405,000	2,358
Additional noninterest expense	$1,270,000	2,199
Pre-tax net operating income	$1,646,000	2,356
Securities gains (losses)	$-1,000	4,660
Applicable income taxes	$325,000	1,789
Income before extraordinary items	$1,320,000	2,511
Extraordinary gains, net	$0	11
Net income	$1,320,000	2,510
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,320,000	2,510
Net charge-offs	$20,000	2,347
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,320,800	2,484
2019-03-31 (YTD Data)		Rank
Total interest income	$3,058,000	2,283
Total interest expense	$724,000	1,796
Net interest income	$2,334,000	2,411
Provision for loan and lease losses	$0	3,406
Total noninterest income	$393,000	2,187
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$80,000	2,519
Trading account gains and fees	NA	NA
Additional Noninterest Income	$313,000	1,929
Total noninterest expense	$1,928,000	2,331
Salaries and employee benefits	$1,079,000	2,349
Premises and equipment expense	$206,000	2,355
Additional noninterest expense	$643,000	2,173
Pre-tax net operating income	$799,000	2,361
Securities gains (losses)	$0	1,087
Applicable income taxes	$156,000	1,806
Income before extraordinary items	$643,000	2,500
Extraordinary gains, net	$0	5
Net income	$643,000	2,499
Minority interest net income	$0	52
Net income of bank and minority interests.	$643,000	2,499
Net charge-offs	$19,000	1,716
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$643,000	2,485
2018-12-31 (YTD Data)		Rank
Total interest income	$11,125,000	2,343
Total interest expense	$2,202,000	1,811
Net interest income	$8,923,000	2,466
Provision for loan and lease losses	$3,000	4,049
Total noninterest income	$1,931,000	2,023
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$324,000	2,625
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,607,000	1,718
Total noninterest expense	$7,340,000	2,396
Salaries and employee benefits	$4,271,000	2,350
Premises and equipment expense	$695,000	2,591
Additional noninterest expense	$2,374,000	2,304
Pre-tax net operating income	$3,511,000	2,276
Securities gains (losses)	$-89,000	4,980
Applicable income taxes	$750,000	1,631
Income before extraordinary items	$2,672,000	2,494
Extraordinary gains, net	$0	6
Net income	$2,672,000	2,492
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,672,000	2,493
Net charge-offs	$26,000	2,984
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,742,310	2,449
2018-09-30 (YTD Data)		Rank
Total interest income	$8,106,000	2,393
Total interest expense	$1,521,000	1,856
Net interest income	$6,585,000	2,497
Provision for loan and lease losses	$1,000	3,929
Total noninterest income	$1,446,000	2,045
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$235,000	2,696
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,211,000	1,733
Total noninterest expense	$5,444,000	2,414
Salaries and employee benefits	$3,151,000	2,380
Premises and equipment expense	$545,000	2,532
Additional noninterest expense	$1,748,000	2,335
Pre-tax net operating income	$2,586,000	2,344
Securities gains (losses)	$6,000	797
Applicable income taxes	$589,000	1,647
Income before extraordinary items	$2,003,000	2,515
Extraordinary gains, net	$0	5
Net income	$2,003,000	2,514
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,003,000	2,514
Net charge-offs	$11,000	2,953
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,998,260	2,512
2018-06-30 (YTD Data)		Rank
Total interest income	$5,247,000	2,420
Total interest expense	$924,000	1,895
Net interest income	$4,323,000	2,526
Provision for loan and lease losses	$0	3,782
Total noninterest income	$975,000	2,039
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$153,000	2,732
Trading account gains and fees	NA	NA
Additional Noninterest Income	$822,000	1,713
Total noninterest expense	$3,627,000	2,425
Salaries and employee benefits	$2,078,000	2,411
Premises and equipment expense	$371,000	2,512
Additional noninterest expense	$1,178,000	2,328
Pre-tax net operating income	$1,671,000	2,356
Securities gains (losses)	$6,000	682
Applicable income taxes	$370,000	1,683
Income before extraordinary items	$1,307,000	2,541
Extraordinary gains, net	$0	6
Net income	$1,307,000	2,540
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,307,000	2,540
Net charge-offs	$0	3,209
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,302,260	2,535
2018-03-31 (YTD Data)		Rank
Total interest income	$2,548,000	2,465
Total interest expense	$426,000	1,935
Net interest income	$2,122,000	2,559
Provision for loan and lease losses	$0	3,508
Total noninterest income	$529,000	1,917
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$79,000	2,689
Trading account gains and fees	NA	NA
Additional Noninterest Income	$450,000	1,584
Total noninterest expense	$1,781,000	2,485
Salaries and employee benefits	$1,015,000	2,476
Premises and equipment expense	$192,000	2,501
Additional noninterest expense	$574,000	2,371
Pre-tax net operating income	$870,000	2,246
Securities gains (losses)	$6,000	514
Applicable income taxes	$194,000	1,600
Income before extraordinary items	$682,000	2,413
Extraordinary gains, net	$0	7
Net income	$682,000	2,412
Minority interest net income	$0	52
Net income of bank and minority interests.	$682,000	2,413
Net charge-offs	$0	2,722
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$677,260	2,417
2017-12-31 (YTD Data)		Rank
Total interest income	$10,070,000	2,434
Total interest expense	$1,513,000	1,911
Net interest income	$8,557,000	2,516
Provision for loan and lease losses	$642,000	1,226
Total noninterest income	$1,644,000	2,277
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$324,000	2,733
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,320,000	1,958
Total noninterest expense	$7,313,000	2,443
Salaries and employee benefits	$4,033,000	2,457
Premises and equipment expense	$712,000	2,626
Additional noninterest expense	$2,568,000	2,220
Pre-tax net operating income	$2,246,000	2,929
Securities gains (losses)	$81,000	700
Applicable income taxes	$680,000	2,183
Income before extraordinary items	$1,647,000	2,988
Extraordinary gains, net	$0	9
Net income	$1,647,000	2,987
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,647,000	2,988
Net charge-offs	$772,000	835
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,589,490	3,012
2017-09-30 (YTD Data)		Rank
Total interest income	$7,514,000	2,451
Total interest expense	$1,112,000	1,912
Net interest income	$6,402,000	2,530
Provision for loan and lease losses	$522,000	1,120
Total noninterest income	$1,235,000	2,305
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$242,000	2,755
Trading account gains and fees	NA	NA
Additional Noninterest Income	$993,000	1,979
Total noninterest expense	$5,540,000	2,422
Salaries and employee benefits	$3,042,000	2,456
Premises and equipment expense	$556,000	2,589
Additional noninterest expense	$1,942,000	2,187
Pre-tax net operating income	$1,575,000	3,080
Securities gains (losses)	$81,000	672
Applicable income taxes	$402,000	2,252
Income before extraordinary items	$1,254,000	3,138
Extraordinary gains, net	$0	9
Net income	$1,254,000	3,137
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,254,000	3,138
Net charge-offs	$716,000	620
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,192,440	3,194
2017-06-30 (YTD Data)		Rank
Total interest income	$4,964,000	2,451
Total interest expense	$723,000	1,922
Net interest income	$4,241,000	2,530
Provision for loan and lease losses	$340,000	1,105
Total noninterest income	$831,000	2,305
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$158,000	2,789
Trading account gains and fees	NA	NA
Additional Noninterest Income	$673,000	1,973
Total noninterest expense	$3,704,000	2,422
Salaries and employee benefits	$2,000,000	2,488
Premises and equipment expense	$371,000	2,600
Additional noninterest expense	$1,333,000	2,114
Pre-tax net operating income	$1,028,000	3,082
Securities gains (losses)	$81,000	490
Applicable income taxes	$273,000	2,228
Income before extraordinary items	$836,000	3,100
Extraordinary gains, net	$0	11
Net income	$836,000	3,099
Minority interest net income	$0	71
Net income of bank and minority interests.	$836,000	3,100
Net charge-offs	$201,000	1,052
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$775,250	3,205
2017-03-31 (YTD Data)		Rank
Total interest income	$2,437,000	2,480
Total interest expense	$357,000	1,925
Net interest income	$2,080,000	2,564
Provision for loan and lease losses	$160,000	1,076
Total noninterest income	$367,000	2,446
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$75,000	2,881
Trading account gains and fees	NA	NA
Additional Noninterest Income	$292,000	2,129
Total noninterest expense	$1,826,000	2,473
Salaries and employee benefits	$981,000	2,556
Premises and equipment expense	$183,000	2,652
Additional noninterest expense	$662,000	2,133
Pre-tax net operating income	$461,000	3,209
Securities gains (losses)	$81,000	269
Applicable income taxes	$142,000	2,170
Income before extraordinary items	$400,000	3,136
Extraordinary gains, net	$0	8
Net income	$400,000	3,134
Minority interest net income	$0	55
Net income of bank and minority interests.	$400,000	3,136
Net charge-offs	$1,000	2,795
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$340,060	3,402
2016-12-31 (YTD Data)		Rank
Total interest income	$9,194,000	2,578
Total interest expense	$1,289,000	2,010
Net interest income	$7,905,000	2,646
Provision for loan and lease losses	$164,000	2,665
Total noninterest income	$2,117,000	2,052
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$348,000	2,702
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,769,000	1,707
Total noninterest expense	$6,968,000	2,560
Salaries and employee benefits	$3,978,000	2,510
Premises and equipment expense	$800,000	2,500
Additional noninterest expense	$2,190,000	2,582
Pre-tax net operating income	$2,890,000	2,449
Securities gains (losses)	$40,000	1,983
Applicable income taxes	$866,000	1,777
Income before extraordinary items	$2,064,000	2,735
Extraordinary gains, net	$0	5
Net income	$2,064,000	2,733
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,064,000	2,734
Net charge-offs	$451,000	1,158
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,036,000	2,706
2016-09-30 (YTD Data)		Rank
Total interest income	$6,814,000	2,609
Total interest expense	$950,000	2,037
Net interest income	$5,864,000	2,682
Provision for loan and lease losses	$94,000	2,798
Total noninterest income	$1,574,000	2,063
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$266,000	2,681
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,308,000	1,726
Total noninterest expense	$5,100,000	2,598
Salaries and employee benefits	$2,870,000	2,566
Premises and equipment expense	$610,000	2,476
Additional noninterest expense	$1,620,000	2,624
Pre-tax net operating income	$2,244,000	2,435
Securities gains (losses)	$40,000	1,917
Applicable income taxes	$698,000	1,761
Income before extraordinary items	$1,586,000	2,730
Extraordinary gains, net	$0	5
Net income	$1,586,000	2,730
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,586,000	2,730
Net charge-offs	$201,000	1,448
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,558,400	2,706
2016-06-30 (YTD Data)		Rank
Total interest income	$4,489,000	2,640
Total interest expense	$625,000	2,067
Net interest income	$3,864,000	2,702
Provision for loan and lease losses	$64,000	2,672
Total noninterest income	$902,000	2,227
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$173,000	2,689
Trading account gains and fees	$0	157
Additional Noninterest Income	$729,000	1,902
Total noninterest expense	$3,445,000	2,594
Salaries and employee benefits	$1,908,000	2,590
Premises and equipment expense	$399,000	2,514
Additional noninterest expense	$1,138,000	2,504
Pre-tax net operating income	$1,257,000	2,693
Securities gains (losses)	$40,000	1,579
Applicable income taxes	$380,000	1,924
Income before extraordinary items	$917,000	2,945
Extraordinary gains, net	$0	16
Net income	$917,000	2,943
Minority interest net income	$0	71
Net income of bank and minority interests.	$917,000	2,944
Net charge-offs	$195,000	1,140
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$888,600	2,929
2016-03-31 (YTD Data)		Rank
Total interest income	$2,229,000	2,652
Total interest expense	$313,000	2,074
Net interest income	$1,916,000	2,712
Provision for loan and lease losses	$33,000	2,469
Total noninterest income	$383,000	2,411
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$80,000	2,824
Trading account gains and fees	$0	142
Additional Noninterest Income	$303,000	2,079
Total noninterest expense	$1,730,000	2,584
Salaries and employee benefits	$971,000	2,573
Premises and equipment expense	$208,000	2,475
Additional noninterest expense	$551,000	2,569
Pre-tax net operating income	$536,000	2,917
Securities gains (losses)	$40,000	923
Applicable income taxes	$165,000	2,019
Income before extraordinary items	$411,000	3,080
Extraordinary gains, net	$0	12
Net income	$411,000	3,078
Minority interest net income	$0	62
Net income of bank and minority interests.	$411,000	3,079
Net charge-offs	$35,000	1,660
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$382,600	3,147
2015-12-31 (YTD Data)		Rank
Total interest income	$8,935,000	2,614
Total interest expense	$1,279,000	2,011
Net interest income	$7,656,000	2,686
Provision for loan and lease losses	$192,000	2,376
Total noninterest income	$2,137,000	2,027
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$348,000	2,769
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,789,000	1,655
Total noninterest expense	$7,242,000	2,496
Salaries and employee benefits	$4,082,000	2,453
Premises and equipment expense	$796,000	2,573
Additional noninterest expense	$2,364,000	2,452
Pre-tax net operating income	$2,359,000	2,739
Securities gains (losses)	$0	3,216
Applicable income taxes	$672,000	1,957
Income before extraordinary items	$1,687,000	3,016
Extraordinary gains, net	$0	23
Net income	$1,687,000	3,017
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,687,000	3,018
Net charge-offs	$230,000	1,856
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,687,000	2,977
2015-09-30 (YTD Data)		Rank
Total interest income	$6,682,000	2,637
Total interest expense	$964,000	2,024
Net interest income	$5,718,000	2,715
Provision for loan and lease losses	$176,000	2,115
Total noninterest income	$1,716,000	1,951
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$260,000	2,785
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,456,000	1,563
Total noninterest expense	$5,392,000	2,526
Salaries and employee benefits	$3,049,000	2,468
Premises and equipment expense	$605,000	2,569
Additional noninterest expense	$1,738,000	2,491
Pre-tax net operating income	$1,866,000	2,688
Securities gains (losses)	$0	3,031
Applicable income taxes	$546,000	1,939
Income before extraordinary items	$1,320,000	3,017
Extraordinary gains, net	$0	21
Net income	$1,320,000	3,017
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,320,000	3,018
Net charge-offs	$69,000	2,508
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,320,000	2,955
2015-06-30 (YTD Data)		Rank
Total interest income	$4,460,000	2,638
Total interest expense	$644,000	2,029
Net interest income	$3,816,000	2,715
Provision for loan and lease losses	$130,000	1,940
Total noninterest income	$1,192,000	1,918
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$169,000	2,807
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,023,000	1,536
Total noninterest expense	$3,591,000	2,542
Salaries and employee benefits	$1,988,000	2,528
Premises and equipment expense	$416,000	2,520
Additional noninterest expense	$1,187,000	2,454
Pre-tax net operating income	$1,287,000	2,609
Securities gains (losses)	$0	2,636
Applicable income taxes	$382,000	1,889
Income before extraordinary items	$905,000	2,929
Extraordinary gains, net	$0	22
Net income	$905,000	2,929
Minority interest net income	$0	75
Net income of bank and minority interests.	$905,000	2,931
Net charge-offs	$68,000	2,064
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$905,000	2,875
2015-03-31 (YTD Data)		Rank
Total interest income	$2,255,000	2,606
Total interest expense	$324,000	2,025
Net interest income	$1,931,000	2,677
Provision for loan and lease losses	$55,000	2,012
Total noninterest income	$597,000	1,880
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$80,000	2,869
Trading account gains and fees	$0	152
Additional Noninterest Income	$517,000	1,472
Total noninterest expense	$1,772,000	2,581
Salaries and employee benefits	$974,000	2,579
Premises and equipment expense	$215,000	2,503
Additional noninterest expense	$583,000	2,480
Pre-tax net operating income	$701,000	2,415
Securities gains (losses)	$0	2,027
Applicable income taxes	$213,000	1,767
Income before extraordinary items	$488,000	2,767
Extraordinary gains, net	$0	13
Net income	$488,000	2,770
Minority interest net income	$0	64
Net income of bank and minority interests.	$488,000	2,770
Net charge-offs	$0	3,288
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$488,000	2,695
2014-12-31 (YTD Data)		Rank
Total interest income	$9,096,000	2,616
Total interest expense	$1,387,000	2,023
Net interest income	$7,709,000	2,712
Provision for loan and lease losses	$205,000	2,435
Total noninterest income	$1,455,000	2,564
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$337,000	3,007
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,118,000	2,172
Total noninterest expense	$6,687,000	2,700
Salaries and employee benefits	$3,750,000	2,636
Premises and equipment expense	$760,000	2,760
Additional noninterest expense	$2,177,000	2,695
Pre-tax net operating income	$2,272,000	2,764
Securities gains (losses)	$0	3,259
Applicable income taxes	$644,000	1,984
Income before extraordinary items	$1,628,000	3,093
Extraordinary gains, net	$0	17
Net income	$1,628,000	3,093
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,628,000	3,094
Net charge-offs	$864,000	1,008
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,628,000	3,042
2014-09-30 (YTD Data)		Rank
Total interest income	$6,814,000	2,631
Total interest expense	$1,055,000	2,023
Net interest income	$5,759,000	2,729
Provision for loan and lease losses	$92,000	2,876
Total noninterest income	$941,000	2,784
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$247,000	3,073
Trading account gains and fees	$0	174
Additional Noninterest Income	$694,000	2,449
Total noninterest expense	$4,933,000	2,740
Salaries and employee benefits	$2,779,000	2,661
Premises and equipment expense	$537,000	2,900
Additional noninterest expense	$1,617,000	2,730
Pre-tax net operating income	$1,675,000	2,834
Securities gains (losses)	$0	2,980
Applicable income taxes	$472,000	2,041
Income before extraordinary items	$1,203,000	3,141
Extraordinary gains, net	$0	15
Net income	$1,203,000	3,141
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,203,000	3,142
Net charge-offs	$471,000	1,201
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,203,000	3,100
2014-06-30 (YTD Data)		Rank
Total interest income	$4,408,000	2,709
Total interest expense	$715,000	2,012
Net interest income	$3,693,000	2,813
Provision for loan and lease losses	$61,000	2,748
Total noninterest income	$620,000	2,782
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$158,000	3,127
Trading account gains and fees	$0	172
Additional Noninterest Income	$462,000	2,413
Total noninterest expense	$3,289,000	2,761
Salaries and employee benefits	$1,853,000	2,675
Premises and equipment expense	$359,000	2,904
Additional noninterest expense	$1,077,000	2,716
Pre-tax net operating income	$963,000	3,031
Securities gains (losses)	$0	2,580
Applicable income taxes	$256,000	2,185
Income before extraordinary items	$707,000	3,315
Extraordinary gains, net	$0	20
Net income	$707,000	3,321
Minority interest net income	$0	80
Net income of bank and minority interests.	$707,000	3,321
Net charge-offs	$456,000	941
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$707,000	3,277
2014-03-31 (YTD Data)		Rank
Total interest income	$2,185,000	2,721
Total interest expense	$362,000	2,019
Net interest income	$1,823,000	2,839
Provision for loan and lease losses	$30,000	2,577
Total noninterest income	$305,000	2,782
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$77,000	3,142
Trading account gains and fees	$0	147
Additional Noninterest Income	$228,000	2,375
Total noninterest expense	$1,643,000	2,769
Salaries and employee benefits	$929,000	2,690
Premises and equipment expense	$187,000	2,883
Additional noninterest expense	$527,000	2,769
Pre-tax net operating income	$455,000	3,068
Securities gains (losses)	$0	1,715
Applicable income taxes	$117,000	2,219
Income before extraordinary items	$338,000	3,325
Extraordinary gains, net	$0	16
Net income	$338,000	3,328
Minority interest net income	$0	66
Net income of bank and minority interests.	$338,000	3,328
Net charge-offs	$401,000	583
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$338,000	3,287
2013-12-31 (YTD Data)		Rank
Total interest income	$8,981,000	2,669
Total interest expense	$1,698,000	1,968
Net interest income	$7,283,000	2,824
Provision for loan and lease losses	$359,000	2,241
Total noninterest income	$1,717,000	2,372
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$313,000	3,284
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,404,000	1,939
Total noninterest expense	$6,615,000	2,755
Salaries and employee benefits	$3,635,000	2,710
Premises and equipment expense	$717,000	2,920
Additional noninterest expense	$2,263,000	2,712
Pre-tax net operating income	$2,026,000	2,830
Securities gains (losses)	$197,000	897
Applicable income taxes	$605,000	1,962
Income before extraordinary items	$1,618,000	3,018
Extraordinary gains, net	$0	29
Net income	$1,618,000	3,020
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,618,000	3,021
Net charge-offs	$850,000	1,425
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,474,190	3,132
2013-09-30 (YTD Data)		Rank
Total interest income	$6,772,000	2,682
Total interest expense	$1,316,000	1,963
Net interest income	$5,456,000	2,836
Provision for loan and lease losses	$256,000	2,260
Total noninterest income	$1,290,000	2,419
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$233,000	3,316
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,057,000	1,969
Total noninterest expense	$4,827,000	2,830
Salaries and employee benefits	$2,738,000	2,700
Premises and equipment expense	$547,000	2,914
Additional noninterest expense	$1,542,000	2,914
Pre-tax net operating income	$1,663,000	2,740
Securities gains (losses)	$197,000	829
Applicable income taxes	$533,000	1,845
Income before extraordinary items	$1,327,000	2,878
Extraordinary gains, net	$0	25
Net income	$1,327,000	2,882
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,327,000	2,882
Net charge-offs	$729,000	1,259
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,187,130	3,022
2013-06-30 (YTD Data)		Rank
Total interest income	$4,551,000	2,667
Total interest expense	$918,000	1,924
Net interest income	$3,633,000	2,834
Provision for loan and lease losses	$151,000	2,424
Total noninterest income	$833,000	2,489
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$147,000	3,385
Trading account gains and fees	$0	157
Additional Noninterest Income	$686,000	2,053
Total noninterest expense	$3,211,000	2,839
Salaries and employee benefits	$1,811,000	2,746
Premises and equipment expense	$371,000	2,875
Additional noninterest expense	$1,029,000	2,902
Pre-tax net operating income	$1,104,000	2,711
Securities gains (losses)	$197,000	761
Applicable income taxes	$382,000	1,786
Income before extraordinary items	$919,000	2,815
Extraordinary gains, net	$0	22
Net income	$919,000	2,819
Minority interest net income	$0	82
Net income of bank and minority interests.	$919,000	2,819
Net charge-offs	$323,000	1,621
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$779,130	3,032
2013-03-31 (YTD Data)		Rank
Total interest income	$2,302,000	2,653
Total interest expense	$493,000	1,857
Net interest income	$1,809,000	2,846
Provision for loan and lease losses	$75,000	2,354
Total noninterest income	$333,000	2,852
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$70,000	3,467
Trading account gains and fees	$0	148
Additional Noninterest Income	$263,000	2,397
Total noninterest expense	$1,568,000	2,920
Salaries and employee benefits	$891,000	2,787
Premises and equipment expense	$204,000	2,724
Additional noninterest expense	$473,000	3,114
Pre-tax net operating income	$499,000	2,871
Securities gains (losses)	$160,000	545
Applicable income taxes	$197,000	1,728
Income before extraordinary items	$462,000	2,741
Extraordinary gains, net	$0	10
Net income	$462,000	2,745
Minority interest net income	$0	76
Net income of bank and minority interests.	$462,000	2,744
Net charge-offs	$70,000	2,169
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$350,000	3,178
2012-12-31 (YTD Data)		Rank
Total interest income	$10,647,000	2,418
Total interest expense	$3,168,000	1,407
Net interest income	$7,479,000	2,822
Provision for loan and lease losses	$1,053,000	1,713
Total noninterest income	$3,007,000	1,634
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$281,000	3,614
Trading account gains and fees	$0	166
Additional Noninterest Income	$2,726,000	1,252
Total noninterest expense	$6,923,000	2,680
Salaries and employee benefits	$3,559,000	2,739
Premises and equipment expense	$760,000	2,852
Additional noninterest expense	$2,604,000	2,474
Pre-tax net operating income	$2,510,000	2,397
Securities gains (losses)	$37,000	2,896
Applicable income taxes	$761,000	1,756
Income before extraordinary items	$1,786,000	2,801
Extraordinary gains, net	$0	29
Net income	$1,786,000	2,804
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,786,000	2,803
Net charge-offs	$1,522,000	1,392
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,760,100	2,708
2012-09-30 (YTD Data)		Rank
Total interest income	$8,245,000	2,404
Total interest expense	$2,581,000	1,354
Net interest income	$5,664,000	2,834
Provision for loan and lease losses	$752,000	1,777
Total noninterest income	$2,173,000	1,685
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$207,000	3,688
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,966,000	1,275
Total noninterest expense	$5,264,000	2,661
Salaries and employee benefits	$2,660,000	2,768
Premises and equipment expense	$599,000	2,780
Additional noninterest expense	$2,005,000	2,415
Pre-tax net operating income	$1,821,000	2,525
Securities gains (losses)	$0	3,575
Applicable income taxes	$555,000	1,825
Income before extraordinary items	$1,266,000	2,962
Extraordinary gains, net	$0	20
Net income	$1,266,000	2,962
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,266,000	2,961
Net charge-offs	$1,544,000	1,093
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,266,000	2,816
2012-06-30 (YTD Data)		Rank
Total interest income	$5,527,000	2,401
Total interest expense	$1,843,000	1,319
Net interest income	$3,684,000	2,909
Provision for loan and lease losses	$500,000	1,802
Total noninterest income	$1,259,000	1,851
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$130,000	3,792
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,129,000	1,393
Total noninterest expense	$3,595,000	2,626
Salaries and employee benefits	$1,769,000	2,772
Premises and equipment expense	$398,000	2,787
Additional noninterest expense	$1,428,000	2,266
Pre-tax net operating income	$848,000	3,171
Securities gains (losses)	$0	3,178
Applicable income taxes	$225,000	2,336
Income before extraordinary items	$623,000	3,561
Extraordinary gains, net	$0	19
Net income	$623,000	3,562
Minority interest net income	$0	84
Net income of bank and minority interests.	$623,000	3,563
Net charge-offs	$1,305,000	942
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$623,000	3,388
2012-03-31 (YTD Data)		Rank
Total interest income	$2,793,000	2,410
Total interest expense	$952,000	1,329
Net interest income	$1,841,000	2,919
Provision for loan and lease losses	$300,000	1,500
Total noninterest income	$716,000	1,670
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$61,000	3,920
Trading account gains and fees	$0	148
Additional Noninterest Income	$655,000	1,236
Total noninterest expense	$1,801,000	2,601
Salaries and employee benefits	$888,000	2,777
Premises and equipment expense	$204,000	2,754
Additional noninterest expense	$709,000	2,258
Pre-tax net operating income	$456,000	3,060
Securities gains (losses)	$0	2,210
Applicable income taxes	$126,000	2,209
Income before extraordinary items	$330,000	3,457
Extraordinary gains, net	$0	19
Net income	$330,000	3,460
Minority interest net income	$0	78
Net income of bank and minority interests.	$330,000	3,460
Net charge-offs	$804,000	783
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$330,000	3,279
2011-12-31 (YTD Data)		Rank
Total interest income	$12,407,000	2,254
Total interest expense	$5,253,000	1,143
Net interest income	$7,154,000	3,018
Provision for loan and lease losses	$651,000	3,050
Total noninterest income	$1,053,000	3,020
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$26,000	6,669
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,027,000	2,096
Total noninterest expense	$6,571,000	2,818
Salaries and employee benefits	$3,490,000	2,758
Premises and equipment expense	$1,520,000	1,631
Additional noninterest expense	$1,561,000	3,749
Pre-tax net operating income	$985,000	3,761
Securities gains (losses)	$120,000	1,914
Applicable income taxes	$193,000	2,938
Income before extraordinary items	$912,000	3,722
Extraordinary gains, net	$0	29
Net income	$912,000	3,725
Minority interest net income	$0	96
Net income of bank and minority interests.	$912,000	3,725
Net charge-offs	$1,802,000	1,658
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$812,400	3,791
2011-09-30 (YTD Data)		Rank
Total interest income	$9,426,000	2,248
Total interest expense	$4,173,000	1,131
Net interest income	$5,253,000	3,084
Provision for loan and lease losses	$450,000	3,020
Total noninterest income	$412,000	4,264
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$17,000	6,758
Trading account gains and fees	$0	145
Additional Noninterest Income	$395,000	3,063
Total noninterest expense	$4,921,000	2,828
Salaries and employee benefits	$2,575,000	2,784
Premises and equipment expense	$1,148,000	1,634
Additional noninterest expense	$1,198,000	3,688
Pre-tax net operating income	$294,000	5,140
Securities gains (losses)	$89,000	1,883
Applicable income taxes	$-10,000	6,786
Income before extraordinary items	$393,000	4,688
Extraordinary gains, net	$0	21
Net income	$393,000	4,689
Minority interest net income	$0	87
Net income of bank and minority interests.	$393,000	4,689
Net charge-offs	$1,524,000	1,480
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$304,000	4,921
2011-06-30 (YTD Data)		Rank
Total interest income	$6,348,000	2,242
Total interest expense	$2,919,000	1,117
Net interest income	$3,429,000	3,149
Provision for loan and lease losses	$300,000	2,953
Total noninterest income	$54,000	6,505
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	6,873
Trading account gains and fees	$0	153
Additional Noninterest Income	$46,000	5,542
Total noninterest expense	$3,201,000	2,921
Salaries and employee benefits	$1,675,000	2,864
Premises and equipment expense	$772,000	1,642
Additional noninterest expense	$754,000	3,894
Pre-tax net operating income	$-18,000	6,255
Securities gains (losses)	$79,000	1,299
Applicable income taxes	$-46,000	7,021
Income before extraordinary items	$107,000	5,651
Extraordinary gains, net	$0	15
Net income	$107,000	5,650
Minority interest net income	$0	89
Net income of bank and minority interests.	$107,000	5,651
Net charge-offs	$1,339,000	1,225
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$28,000	6,063
2011-03-31 (YTD Data)		Rank
Total interest income	$3,219,000	2,225
Total interest expense	$1,469,000	1,142
Net interest income	$1,750,000	3,088
Provision for loan and lease losses	$150,000	2,750
Total noninterest income	$-37,000	7,379
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,070
Trading account gains and fees	$0	158
Additional Noninterest Income	$-37,000	7,270
Total noninterest expense	$1,544,000	3,029
Salaries and employee benefits	$800,000	3,000
Premises and equipment expense	$390,000	1,645
Additional noninterest expense	$354,000	4,064
Pre-tax net operating income	$19,000	6,108
Securities gains (losses)	$0	1,772
Applicable income taxes	$-38,000	7,151
Income before extraordinary items	$57,000	5,599
Extraordinary gains, net	$0	9
Net income	$57,000	5,598
Minority interest net income	$0	86
Net income of bank and minority interests.	$57,000	5,599
Net charge-offs	$-12,000	7,063
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$57,000	5,547
2010-12-31 (YTD Data)		Rank
Total interest income	$14,733,000	2,041
Total interest expense	$7,311,000	1,130
Net interest income	$7,422,000	2,931
Provision for loan and lease losses	$2,812,000	1,684
Total noninterest income	$1,892,000	2,152
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,892,000	1,452
Total noninterest expense	$7,717,000	2,505
Salaries and employee benefits	$3,297,000	2,862
Premises and equipment expense	$1,421,000	1,806
Additional noninterest expense	$2,999,000	2,291
Pre-tax net operating income	$-1,215,000	6,565
Securities gains (losses)	$97,000	2,198
Applicable income taxes	$-664,000	7,230
Income before extraordinary items	$-454,000	6,342
Extraordinary gains, net	$0	29
Net income	$-454,000	6,343
Minority interest net income	$0	111
Net income of bank and minority interests.	$-454,000	6,343
Net charge-offs	$1,636,000	2,077
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-516,080	6,327
2010-09-30 (YTD Data)		Rank
Total interest income	$11,365,000	2,036
Total interest expense	$5,702,000	1,128
Net interest income	$5,663,000	2,916
Provision for loan and lease losses	$2,473,000	1,445
Total noninterest income	$908,000	2,913
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	165
Additional Noninterest Income	$908,000	1,917
Total noninterest expense	$4,897,000	2,889
Salaries and employee benefits	$2,432,000	2,921
Premises and equipment expense	$1,115,000	1,751
Additional noninterest expense	$1,350,000	3,510
Pre-tax net operating income	$-799,000	6,696
Securities gains (losses)	$97,000	1,968
Applicable income taxes	$-237,000	7,233
Income before extraordinary items	$-465,000	6,650
Extraordinary gains, net	$0	23
Net income	$-465,000	6,650
Minority interest net income	$0	110
Net income of bank and minority interests.	$-465,000	6,650
Net charge-offs	$1,677,000	1,677
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-529,020	6,621
2010-06-30 (YTD Data)		Rank
Total interest income	$7,748,000	2,022
Total interest expense	$3,996,000	1,119
Net interest income	$3,752,000	2,931
Provision for loan and lease losses	$2,353,000	1,133
Total noninterest income	$236,000	4,736
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	152
Additional Noninterest Income	$236,000	3,213
Total noninterest expense	$3,269,000	2,891
Salaries and employee benefits	$1,592,000	2,978
Premises and equipment expense	$743,000	1,762
Additional noninterest expense	$934,000	3,395
Pre-tax net operating income	$-1,634,000	7,198
Securities gains (losses)	$97,000	1,440
Applicable income taxes	$-533,000	7,491
Income before extraordinary items	$-1,004,000	7,096
Extraordinary gains, net	$0	19
Net income	$-1,004,000	7,095
Minority interest net income	$0	105
Net income of bank and minority interests.	$-1,004,000	7,096
Net charge-offs	$1,581,000	1,327
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-1,067,050	7,088
2010-03-31 (YTD Data)		Rank
Total interest income	$3,968,000	2,019
Total interest expense	$2,113,000	1,114
Net interest income	$1,855,000	2,986
Provision for loan and lease losses	$1,405,000	931
Total noninterest income	$154,000	4,209
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$154,000	2,790
Total noninterest expense	$1,654,000	2,883
Salaries and employee benefits	$793,000	3,039
Premises and equipment expense	$383,000	1,773
Additional noninterest expense	$478,000	3,310
Pre-tax net operating income	$-1,050,000	7,427
Securities gains (losses)	$97,000	800
Applicable income taxes	$-318,000	7,641
Income before extraordinary items	$-635,000	7,335
Extraordinary gains, net	$0	16
Net income	$-635,000	7,335
Minority interest net income	$0	91
Net income of bank and minority interests.	$-635,000	7,336
Net charge-offs	$1,679,000	736
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-699,990	7,348
2009-12-31 (YTD Data)		Rank
Total interest income	$16,861,000	2,011
Total interest expense	$9,512,000	1,253
Net interest income	$7,349,000	2,935
Provision for loan and lease losses	$10,200,000	856
Total noninterest income	$840,000	3,670
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$-325,000	7,987
Additional Noninterest Income	$1,165,000	1,948
Total noninterest expense	$6,322,000	3,052
Salaries and employee benefits	$3,148,000	3,040
Premises and equipment expense	$1,409,000	1,907
Additional noninterest expense	$1,765,000	3,654
Pre-tax net operating income	$-8,333,000	7,418
Securities gains (losses)	$865,000	559
Applicable income taxes	$-3,704,000	7,677
Income before extraordinary items	$-3,764,000	7,124
Extraordinary gains, net	$0	34
Net income	$-3,764,000	7,123
Minority interest net income	$0	115
Net income of bank and minority interests.	$-3,764,000	7,122
Net charge-offs	$10,888,000	646
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-4,317,600	7,195
2009-09-30 (YTD Data)		Rank
Total interest income	$12,633,000	2,051
Total interest expense	$7,283,000	1,294
Net interest income	$5,350,000	3,011
Provision for loan and lease losses	$6,465,000	872
Total noninterest income	$809,000	3,230
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	212
Additional Noninterest Income	$809,000	2,112
Total noninterest expense	$4,866,000	2,987
Salaries and employee benefits	$2,380,000	3,056
Premises and equipment expense	$1,079,000	1,882
Additional noninterest expense	$1,407,000	3,437
Pre-tax net operating income	$-5,172,000	7,521
Securities gains (losses)	$865,000	433
Applicable income taxes	$-1,945,000	7,711
Income before extraordinary items	$-2,362,000	7,265
Extraordinary gains, net	$0	27
Net income	$-2,362,000	7,264
Minority interest net income	$0	118
Net income of bank and minority interests.	$-2,362,000	7,265
Net charge-offs	$8,369,000	580
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-2,915,600	7,355
2009-06-30 (YTD Data)		Rank
Total interest income	$8,537,000	2,056
Total interest expense	$4,958,000	1,334
Net interest income	$3,579,000	2,985
Provision for loan and lease losses	$6,465,000	622
Total noninterest income	$519,000	3,335
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	193
Additional Noninterest Income	$519,000	2,170
Total noninterest expense	$3,334,000	2,941
Salaries and employee benefits	$1,641,000	3,016
Premises and equipment expense	$737,000	1,880
Additional noninterest expense	$956,000	3,401
Pre-tax net operating income	$-5,701,000	7,776
Securities gains (losses)	$865,000	329
Applicable income taxes	$-2,102,000	7,906
Income before extraordinary items	$-2,734,000	7,602
Extraordinary gains, net	$0	21
Net income	$-2,734,000	7,601
Minority interest net income	$0	112
Net income of bank and minority interests.	$-2,734,000	7,601
Net charge-offs	$8,069,000	434
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-3,287,600	7,666
2009-03-31 (YTD Data)		Rank
Total interest income	$4,411,000	2,014
Total interest expense	$2,480,000	1,388
Net interest income	$1,931,000	2,795
Provision for loan and lease losses	$195,000	2,897
Total noninterest income	$78,000	5,633
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	171
Additional Noninterest Income	$78,000	4,061
Total noninterest expense	$1,726,000	2,776
Salaries and employee benefits	$839,000	2,982
Premises and equipment expense	$396,000	1,786
Additional noninterest expense	$491,000	3,056
Pre-tax net operating income	$88,000	5,158
Securities gains (losses)	$865,000	210
Applicable income taxes	$392,000	843
Income before extraordinary items	$561,000	1,918
Extraordinary gains, net	$0	15
Net income	$561,000	1,920
Minority interest net income	$0	102
Net income of bank and minority interests.	$561,000	1,920
Net charge-offs	$4,624,000	332
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$7,400	6,172
2008-12-31 (YTD Data)		Rank
Total interest income	$20,139,000	1,896
Total interest expense	$12,229,000	1,332
Net interest income	$7,910,000	2,740
Provision for loan and lease losses	$4,700,000	1,047
Total noninterest income	$579,000	4,550
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	154
Additional Noninterest Income	$579,000	2,948
Total noninterest expense	$5,905,000	3,126
Salaries and employee benefits	$2,958,000	3,295
Premises and equipment expense	$1,382,000	1,971
Additional noninterest expense	$1,565,000	3,512
Pre-tax net operating income	$-2,116,000	7,396
Securities gains (losses)	$932,000	230
Applicable income taxes	$-303,000	7,330
Income before extraordinary items	$-881,000	6,938
Extraordinary gains, net	$0	39
Net income	$-881,000	6,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,185,000	1,781
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-1,570,680	7,335
2008-09-30 (YTD Data)		Rank
Total interest income	$15,389,000	1,903
Total interest expense	$9,586,000	1,333
Net interest income	$5,803,000	2,809
Provision for loan and lease losses	$1,070,000	1,755
Total noninterest income	$420,000	4,706
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$420,000	3,103
Total noninterest expense	$4,202,000	3,256
Salaries and employee benefits	$2,225,000	3,328
Premises and equipment expense	$1,050,000	1,942
Additional noninterest expense	$927,000	4,110
Pre-tax net operating income	$951,000	3,775
Securities gains (losses)	$739,000	230
Applicable income taxes	$860,000	1,303
Income before extraordinary items	$830,000	3,490
Extraordinary gains, net	$0	31
Net income	$830,000	3,490
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$559,000	1,840
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$357,040	5,120
2008-06-30 (YTD Data)		Rank
Total interest income	$10,453,000	1,900
Total interest expense	$6,713,000	1,309
Net interest income	$3,740,000	2,888
Provision for loan and lease losses	$180,000	3,306
Total noninterest income	$262,000	4,905
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$262,000	3,256
Total noninterest expense	$2,816,000	3,255
Salaries and employee benefits	$1,488,000	3,358
Premises and equipment expense	$703,000	1,926
Additional noninterest expense	$625,000	4,050
Pre-tax net operating income	$1,006,000	2,930
Securities gains (losses)	$577,000	277
Applicable income taxes	$543,000	1,499
Income before extraordinary items	$1,040,000	2,490
Extraordinary gains, net	$0	21
Net income	$1,040,000	2,490
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$227,000	2,094
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$659,180	3,387
2008-03-31 (YTD Data)		Rank
Total interest income	$5,366,000	1,906
Total interest expense	$3,529,000	1,322
Net interest income	$1,837,000	2,914
Provision for loan and lease losses	$90,000	2,858
Total noninterest income	$61,000	6,336
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$61,000	4,665
Total noninterest expense	$1,413,000	3,241
Salaries and employee benefits	$750,000	3,354
Premises and equipment expense	$367,000	1,853
Additional noninterest expense	$296,000	4,161
Pre-tax net operating income	$395,000	3,574
Securities gains (losses)	$457,000	261
Applicable income taxes	$300,000	1,477
Income before extraordinary items	$552,000	2,481
Extraordinary gains, net	$0	15
Net income	$552,000	2,483
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	2,828
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$254,950	4,069
2007-12-31 (YTD Data)		Rank
Total interest income	$23,724,000	1,793
Total interest expense	$16,788,000	1,183
Net interest income	$6,936,000	3,132
Provision for loan and lease losses	$230,000	3,659
Total noninterest income	$747,000	4,154
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$747,000	2,658
Total noninterest expense	$5,308,000	3,292
Salaries and employee benefits	$2,887,000	3,326
Premises and equipment expense	$1,444,000	1,823
Additional noninterest expense	$977,000	4,732
Pre-tax net operating income	$2,145,000	3,170
Securities gains (losses)	$473,000	271
Applicable income taxes	$571,000	2,579
Income before extraordinary items	$2,047,000	2,764
Extraordinary gains, net	$0	39
Net income	$2,047,000	2,763
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$305,000	2,265
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,678,060	3,180
2007-09-30 (YTD Data)		Rank
Total interest income	$18,016,000	1,781
Total interest expense	$12,840,000	1,153
Net interest income	$5,176,000	3,146
Provision for loan and lease losses	$110,000	3,968
Total noninterest income	$569,000	4,131
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$569,000	2,641
Total noninterest expense	$3,994,000	3,247
Salaries and employee benefits	$2,176,000	3,303
Premises and equipment expense	$1,106,000	1,777
Additional noninterest expense	$712,000	4,752
Pre-tax net operating income	$1,641,000	3,274
Securities gains (losses)	$325,000	295
Applicable income taxes	$363,000	2,938
Income before extraordinary items	$1,603,000	2,831
Extraordinary gains, net	$0	33
Net income	$1,603,000	2,830
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$268,000	1,635
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,336,500	3,204
2007-06-30 (YTD Data)		Rank
Total interest income	$11,804,000	1,823
Total interest expense	$8,347,000	1,190
Net interest income	$3,457,000	3,162
Provision for loan and lease losses	$0	6,209
Total noninterest income	$406,000	4,005
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$406,000	2,546
Total noninterest expense	$2,807,000	3,128
Salaries and employee benefits	$1,512,000	3,222
Premises and equipment expense	$742,000	1,786
Additional noninterest expense	$553,000	4,265
Pre-tax net operating income	$1,056,000	3,409
Securities gains (losses)	$210,000	297
Applicable income taxes	$352,000	2,546
Income before extraordinary items	$914,000	3,206
Extraordinary gains, net	$0	29
Net income	$914,000	3,205
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,902
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$762,800	3,599
2007-03-31 (YTD Data)		Rank
Total interest income	$5,842,000	1,842
Total interest expense	$4,121,000	1,196
Net interest income	$1,721,000	3,159
Provision for loan and lease losses	$0	5,779
Total noninterest income	$206,000	3,944
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$206,000	2,500
Total noninterest expense	$1,409,000	3,137
Salaries and employee benefits	$766,000	3,208
Premises and equipment expense	$374,000	1,778
Additional noninterest expense	$269,000	4,293
Pre-tax net operating income	$518,000	3,443
Securities gains (losses)	$154,000	249
Applicable income taxes	$191,000	2,458
Income before extraordinary items	$481,000	3,117
Extraordinary gains, net	$0	22
Net income	$481,000	3,117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,566
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$370,120	3,655
2006-12-31 (YTD Data)		Rank
Total interest income	$22,396,000	1,805
Total interest expense	$15,368,000	1,089
Net interest income	$7,028,000	3,096
Provision for loan and lease losses	$280,000	2,910
Total noninterest income	$499,000	5,143
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$499,000	3,344
Total noninterest expense	$5,520,000	3,074
Salaries and employee benefits	$2,903,000	3,224
Premises and equipment expense	$1,529,000	1,667
Additional noninterest expense	$1,088,000	4,247
Pre-tax net operating income	$1,727,000	3,974
Securities gains (losses)	$303,000	322
Applicable income taxes	$604,000	2,879
Income before extraordinary items	$1,426,000	3,888
Extraordinary gains, net	$0	51
Net income	$1,426,000	3,887
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$209,000	2,125
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,213,900	4,237
2006-09-30 (YTD Data)		Rank
Total interest income	$16,532,000	1,824
Total interest expense	$11,205,000	1,095
Net interest income	$5,327,000	3,094
Provision for loan and lease losses	$170,000	3,189
Total noninterest income	$492,000	4,521
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$492,000	2,869
Total noninterest expense	$4,091,000	3,111
Salaries and employee benefits	$2,167,000	3,238
Premises and equipment expense	$1,159,000	1,659
Additional noninterest expense	$765,000	4,425
Pre-tax net operating income	$1,558,000	3,709
Securities gains (losses)	$214,000	325
Applicable income taxes	$576,000	2,657
Income before extraordinary items	$1,196,000	3,753
Extraordinary gains, net	$0	45
Net income	$1,196,000	3,755
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	2,946
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,052,620	4,041
2006-06-30 (YTD Data)		Rank
Total interest income	$10,687,000	1,845
Total interest expense	$7,087,000	1,096
Net interest income	$3,600,000	3,063
Provision for loan and lease losses	$110,000	3,192
Total noninterest income	$313,000	4,620
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$313,000	2,934
Total noninterest expense	$2,762,000	3,081
Salaries and employee benefits	$1,447,000	3,230
Premises and equipment expense	$774,000	1,656
Additional noninterest expense	$541,000	4,237
Pre-tax net operating income	$1,041,000	3,717
Securities gains (losses)	$55,000	442
Applicable income taxes	$354,000	2,809
Income before extraordinary items	$742,000	3,914
Extraordinary gains, net	$0	39
Net income	$742,000	3,917
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	2,463
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$704,600	4,035
2006-03-31 (YTD Data)		Rank
Total interest income	$5,251,000	1,831
Total interest expense	$3,411,000	1,066
Net interest income	$1,840,000	2,992
Provision for loan and lease losses	$50,000	3,099
Total noninterest income	$139,000	4,857
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$139,000	3,105
Total noninterest expense	$1,434,000	2,996
Salaries and employee benefits	$769,000	3,075
Premises and equipment expense	$396,000	1,640
Additional noninterest expense	$269,000	4,239
Pre-tax net operating income	$495,000	3,754
Securities gains (losses)	$52,000	338
Applicable income taxes	$178,000	2,776
Income before extraordinary items	$369,000	3,878
Extraordinary gains, net	$0	21
Net income	$369,000	3,877
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	1,127
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$334,160	4,114
2005-12-31 (YTD Data)		Rank
Total interest income	$18,988,000	1,776
Total interest expense	$10,714,000	1,046
Net interest income	$8,274,000	2,621
Provision for loan and lease losses	$60,000	5,443
Total noninterest income	$1,018,000	3,519
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,018,000	2,188
Total noninterest expense	$5,312,000	3,071
Salaries and employee benefits	$2,864,000	3,099
Premises and equipment expense	$1,482,000	1,651
Additional noninterest expense	$966,000	4,532
Pre-tax net operating income	$3,920,000	2,258
Securities gains (losses)	$411,000	326
Applicable income taxes	$1,248,000	1,940
Income before extraordinary items	$3,083,000	2,195
Extraordinary gains, net	$0	46
Net income	$3,083,000	2,196
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$155,000	2,675
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,791,190	2,355
2005-09-30 (YTD Data)		Rank
Total interest income	$13,899,000	1,769
Total interest expense	$7,605,000	1,038
Net interest income	$6,294,000	2,564
Provision for loan and lease losses	$120,000	3,874
Total noninterest income	$567,000	4,193
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$567,000	2,641
Total noninterest expense	$4,020,000	3,011
Salaries and employee benefits	$2,169,000	3,031
Premises and equipment expense	$1,117,000	1,622
Additional noninterest expense	$734,000	4,476
Pre-tax net operating income	$2,721,000	2,411
Securities gains (losses)	$318,000	374
Applicable income taxes	$1,130,000	1,722
Income before extraordinary items	$1,909,000	2,572
Extraordinary gains, net	$0	35
Net income	$1,909,000	2,572
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$155,000	1,982
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,705,480	2,779
2005-06-30 (YTD Data)		Rank
Total interest income	$9,144,000	1,744
Total interest expense	$4,853,000	1,024
Net interest income	$4,291,000	2,497
Provision for loan and lease losses	$60,000	4,115
Total noninterest income	$418,000	3,944
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$418,000	2,468
Total noninterest expense	$2,706,000	2,972
Salaries and employee benefits	$1,453,000	3,010
Premises and equipment expense	$748,000	1,611
Additional noninterest expense	$505,000	4,342
Pre-tax net operating income	$1,943,000	2,240
Securities gains (losses)	$199,000	406
Applicable income taxes	$799,000	1,618
Income before extraordinary items	$1,343,000	2,412
Extraordinary gains, net	$0	30
Net income	$1,343,000	2,412
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$146,000	1,491
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,215,640	2,582
2005-03-31 (YTD Data)		Rank
Total interest income	$4,476,000	1,744
Total interest expense	$2,303,000	1,015
Net interest income	$2,173,000	2,452
Provision for loan and lease losses	$30,000	3,913
Total noninterest income	$246,000	3,507
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$246,000	2,181
Total noninterest expense	$1,371,000	2,940
Salaries and employee benefits	$735,000	2,986
Premises and equipment expense	$379,000	1,609
Additional noninterest expense	$257,000	4,274
Pre-tax net operating income	$1,018,000	2,143
Securities gains (losses)	$85,000	407
Applicable income taxes	$419,000	1,558
Income before extraordinary items	$684,000	2,372
Extraordinary gains, net	$0	24
Net income	$684,000	2,373
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$146,000	857
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$629,600	2,478
2004-12-31 (YTD Data)		Rank
Total interest income	$17,184,000	1,672
Total interest expense	$8,735,000	936
Net interest income	$8,449,000	2,417
Provision for loan and lease losses	$188,000	3,814
Total noninterest income	$752,000	4,218
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$752,000	2,597
Total noninterest expense	$5,653,000	2,800
Salaries and employee benefits	$3,071,000	2,785
Premises and equipment expense	$1,415,000	1,641
Additional noninterest expense	$1,167,000	3,841
Pre-tax net operating income	$3,360,000	2,346
Securities gains (losses)	$465,000	476
Applicable income taxes	$2,229,000	1,157
Income before extraordinary items	$1,596,000	3,476
Extraordinary gains, net	$0	34
Net income	$1,596,000	3,477
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$120,000	3,375
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,298,400	3,933
2004-09-30 (YTD Data)		Rank
Total interest income	$12,737,000	1,673
Total interest expense	$6,450,000	924
Net interest income	$6,287,000	2,407
Provision for loan and lease losses	$118,000	4,014
Total noninterest income	$598,000	4,097
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$598,000	2,507
Total noninterest expense	$4,329,000	2,710
Salaries and employee benefits	$2,295,000	2,768
Premises and equipment expense	$1,085,000	1,608
Additional noninterest expense	$949,000	3,571
Pre-tax net operating income	$2,438,000	2,439
Securities gains (losses)	$289,000	618
Applicable income taxes	$1,361,000	1,399
Income before extraordinary items	$1,366,000	3,216
Extraordinary gains, net	$0	26
Net income	$1,366,000	3,217
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	2,936
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,181,040	3,514
2004-06-30 (YTD Data)		Rank
Total interest income	$8,349,000	1,686
Total interest expense	$4,200,000	937
Net interest income	$4,149,000	2,404
Provision for loan and lease losses	$118,000	3,243
Total noninterest income	$486,000	3,636
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$486,000	2,230
Total noninterest expense	$2,962,000	2,645
Salaries and employee benefits	$1,552,000	2,747
Premises and equipment expense	$728,000	1,589
Additional noninterest expense	$682,000	3,369
Pre-tax net operating income	$1,555,000	2,507
Securities gains (losses)	$153,000	776
Applicable income taxes	$681,000	1,743
Income before extraordinary items	$1,027,000	2,870
Extraordinary gains, net	$0	21
Net income	$1,027,000	2,871
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	2,262
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$929,080	3,032
2004-03-31 (YTD Data)		Rank
Total interest income	$4,058,000	1,734
Total interest expense	$2,061,000	974
Net interest income	$1,997,000	2,494
Provision for loan and lease losses	$30,000	4,060
Total noninterest income	$234,000	3,674
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$234,000	2,233
Total noninterest expense	$1,522,000	2,594
Salaries and employee benefits	$814,000	2,639
Premises and equipment expense	$372,000	1,573
Additional noninterest expense	$336,000	3,408
Pre-tax net operating income	$679,000	2,772
Securities gains (losses)	$81,000	915
Applicable income taxes	$292,000	1,969
Income before extraordinary items	$468,000	3,098
Extraordinary gains, net	$0	16
Net income	$468,000	3,098
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,405
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$416,160	3,284
2003-12-31 (YTD Data)		Rank
Total interest income	$14,697,000	1,930
Total interest expense	$8,641,000	1,034
Net interest income	$6,056,000	3,157
Provision for loan and lease losses	$1,097,000	1,090
Total noninterest income	$1,155,000	3,389
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,155,000	2,172
Total noninterest expense	$5,282,000	2,926
Salaries and employee benefits	$2,907,000	2,836
Premises and equipment expense	$1,371,000	1,657
Additional noninterest expense	$1,004,000	4,268
Pre-tax net operating income	$832,000	5,598
Securities gains (losses)	$2,416,000	263
Applicable income taxes	$1,162,000	1,974
Income before extraordinary items	$2,086,000	2,770
Extraordinary gains, net	$0	54
Net income	$2,086,000	2,771
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$821,000	1,068
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$539,760	6,031
2003-09-30 (YTD Data)		Rank
Total interest income	$10,833,000	1,993
Total interest expense	$6,593,000	1,059
Net interest income	$4,240,000	3,359
Provision for loan and lease losses	$374,000	2,132
Total noninterest income	$845,000	3,513
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$845,000	2,297
Total noninterest expense	$4,004,000	2,902
Salaries and employee benefits	$2,210,000	2,822
Premises and equipment expense	$1,048,000	1,635
Additional noninterest expense	$746,000	4,276
Pre-tax net operating income	$707,000	5,473
Securities gains (losses)	$2,101,000	268
Applicable income taxes	$1,084,000	1,736
Income before extraordinary items	$1,724,000	2,656
Extraordinary gains, net	$0	40
Net income	$1,724,000	2,655
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,000	3,469
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$379,360	6,302
2003-06-30 (YTD Data)		Rank
Total interest income	$7,330,000	1,982
Total interest expense	$4,545,000	1,057
Net interest income	$2,785,000	3,395
Provision for loan and lease losses	$220,000	2,344
Total noninterest income	$555,000	3,528
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$555,000	2,292
Total noninterest expense	$2,717,000	2,845
Salaries and employee benefits	$1,476,000	2,821
Premises and equipment expense	$715,000	1,607
Additional noninterest expense	$526,000	4,082
Pre-tax net operating income	$403,000	5,835
Securities gains (losses)	$1,891,000	242
Applicable income taxes	$863,000	1,520
Income before extraordinary items	$1,431,000	2,199
Extraordinary gains, net	$0	30
Net income	$1,431,000	2,197
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,160
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$220,760	6,581
2003-03-31 (YTD Data)		Rank
Total interest income	$3,770,000	1,944
Total interest expense	$2,246,000	1,090
Net interest income	$1,524,000	3,134
Provision for loan and lease losses	$130,000	1,956
Total noninterest income	$258,000	3,567
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$258,000	2,322
Total noninterest expense	$1,387,000	2,775
Salaries and employee benefits	$755,000	2,753
Premises and equipment expense	$369,000	1,563
Additional noninterest expense	$263,000	4,055
Pre-tax net operating income	$265,000	5,122
Securities gains (losses)	$940,000	226
Applicable income taxes	$454,000	1,484
Income before extraordinary items	$751,000	2,087
Extraordinary gains, net	$0	21
Net income	$751,000	2,085
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,022
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$149,400	5,849
2002-12-31 (YTD Data)		Rank
Total interest income	$16,799,000	1,836
Total interest expense	$9,864,000	1,142
Net interest income	$6,935,000	2,764
Provision for loan and lease losses	$112,000	5,527
Total noninterest income	$1,108,000	3,247
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,108,000	2,040
Total noninterest expense	$4,508,000	3,216
Salaries and employee benefits	$2,638,000	2,977
Premises and equipment expense	$996,000	2,193
Additional noninterest expense	$874,000	4,636
Pre-tax net operating income	$3,423,000	2,252
Securities gains (losses)	$1,527,000	328
Applicable income taxes	$1,437,000	1,705
Income before extraordinary items	$3,513,000	1,710
Extraordinary gains, net	$0	70
Net income	$3,513,000	1,709
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	5,179
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,428,830	2,333
2001-12-31 (YTD Data)		Rank
Total interest income	$17,675,000	1,937
Total interest expense	$11,302,000	1,432
Net interest income	$6,373,000	2,791
Provision for loan and lease losses	$0	8,228
Total noninterest income	$720,000	4,121
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$720,000	2,533
Total noninterest expense	$4,237,000	3,251
Salaries and employee benefits	$2,461,000	2,981
Premises and equipment expense	$801,000	2,628
Additional noninterest expense	$975,000	4,154
Pre-tax net operating income	$2,856,000	2,383
Securities gains (losses)	$1,249,000	363
Applicable income taxes	$1,185,000	1,829
Income before extraordinary items	$2,920,000	1,802
Extraordinary gains, net	$0	105
Net income	$2,920,000	1,803
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	4,802
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,033,210	2,408
2000-12-31 (YTD Data)		Rank
Total interest income	$16,699,000	2,107
Total interest expense	$11,617,000	1,486
Net interest income	$5,082,000	3,418
Provision for loan and lease losses	$0	8,337
Total noninterest income	$837,000	3,554
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$837,000	2,096
Total noninterest expense	$3,970,000	3,351
Salaries and employee benefits	$2,344,000	3,008
Premises and equipment expense	$758,000	2,701
Additional noninterest expense	$868,000	4,463
Pre-tax net operating income	$1,949,000	3,397
Securities gains (losses)	$120,000	524
Applicable income taxes	$700,000	2,784
Income before extraordinary items	$1,369,000	3,495
Extraordinary gains, net	$0	38
Net income	$1,369,000	3,494
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-81,000	9,709
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,289,800	3,658
1999-12-31 (YTD Data)		Rank
Total interest income	$12,721,000	2,573
Total interest expense	$7,980,000	1,875
Net interest income	$4,741,000	3,621
Provision for loan and lease losses	$0	8,503
Total noninterest income	$458,000	5,230
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$458,000	3,124
Total noninterest expense	$3,844,000	3,434
Salaries and employee benefits	$2,195,000	3,150
Premises and equipment expense	$755,000	2,692
Additional noninterest expense	$894,000	4,404
Pre-tax net operating income	$1,355,000	4,398
Securities gains (losses)	$290,000	464
Applicable income taxes	$539,000	3,478
Income before extraordinary items	$1,106,000	4,121
Extraordinary gains, net	$0	35
Net income	$1,106,000	4,125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$48,000	4,912
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$911,700	4,669
1998-12-31 (YTD Data)		Rank
Total interest income	$12,097,000	2,691
Total interest expense	$7,352,000	2,067
Net interest income	$4,745,000	3,574
Provision for loan and lease losses	$0	8,652
Total noninterest income	$432,000	5,376
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$432,000	3,264
Total noninterest expense	$3,869,000	3,313
Salaries and employee benefits	$2,115,000	3,166
Premises and equipment expense	$674,000	2,857
Additional noninterest expense	$1,080,000	3,688
Pre-tax net operating income	$1,308,000	4,591
Securities gains (losses)	$1,177,000	344
Applicable income taxes	$822,000	2,680
Income before extraordinary items	$1,663,000	2,987
Extraordinary gains, net	$0	32
Net income	$1,663,000	2,988
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$136,000	3,097
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$874,410	4,835
1997-12-31 (YTD Data)		Rank
Total interest income	$13,519,000	2,414
Total interest expense	$8,713,000	1,780
Net interest income	$4,806,000	3,622
Provision for loan and lease losses	$0	8,829
Total noninterest income	$574,000	4,551
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$574,000	2,572
Total noninterest expense	$3,344,000	3,751
Salaries and employee benefits	$1,958,000	3,382
Premises and equipment expense	$616,000	3,072
Additional noninterest expense	$770,000	4,866
Pre-tax net operating income	$2,036,000	3,474
Securities gains (losses)	$627,000	378
Applicable income taxes	$879,000	2,714
Income before extraordinary items	$1,784,000	2,850
Extraordinary gains, net	$0	44
Net income	$1,784,000	2,849
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	9,945
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,363,910	3,571
1996-12-31 (YTD Data)		Rank
Total interest income	$13,583,000	2,457
Total interest expense	$9,378,000	1,678
Net interest income	$4,205,000	4,133
Provision for loan and lease losses	$738,000	1,274
Total noninterest income	$628,000	4,427
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$628,000	2,489
Total noninterest expense	$4,515,000	3,003
Salaries and employee benefits	$1,871,000	3,544
Premises and equipment expense	$601,000	3,214
Additional noninterest expense	$2,043,000	2,405
Pre-tax net operating income	$-420,000	11,212
Securities gains (losses)	$175,000	739
Applicable income taxes	$-54,000	11,084
Income before extraordinary items	$-191,000	11,101
Extraordinary gains, net	$0	53
Net income	$-191,000	11,101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	5,120
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$-327,500	11,166
1995-12-31 (YTD Data)		Rank
Total interest income	$13,131,000	2,547
Total interest expense	$9,488,000	1,683
Net interest income	$3,643,000	4,687
Provision for loan and lease losses	$0	8,958
Total noninterest income	$950,000	3,231
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$950,000	1,864
Total noninterest expense	$3,415,000	3,828
Salaries and employee benefits	$1,805,000	3,630
Premises and equipment expense	$601,000	3,202
Additional noninterest expense	$1,009,000	4,318
Pre-tax net operating income	$1,178,000	5,312
Securities gains (losses)	$6,000	2,714
Applicable income taxes	$382,000	5,108
Income before extraordinary items	$802,000	5,438
Extraordinary gains, net	$0	65
Net income	$802,000	5,435
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,856
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$797,920	5,436
1994-12-31 (YTD Data)		Rank
Total interest income	$10,239,000	2,979
Total interest expense	$6,844,000	1,837
Net interest income	$3,395,000	5,071
Provision for loan and lease losses	$0	9,146
Total noninterest income	$667,000	4,280
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$667,000	2,412
Total noninterest expense	$3,437,000	3,907
Salaries and employee benefits	$1,767,000	3,686
Premises and equipment expense	$622,000	3,166
Additional noninterest expense	$1,048,000	4,530
Pre-tax net operating income	$625,000	7,864
Securities gains (losses)	$113,000	730
Applicable income taxes	$105,000	9,245
Income before extraordinary items	$633,000	6,315
Extraordinary gains, net	$0	249
Net income	$633,000	6,328
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$535,820	7,081
1993-12-31 (YTD Data)		Rank
Total interest income	$10,679,000	2,901
Total interest expense	$6,276,000	2,065
Net interest income	$4,403,000	4,030
Provision for loan and lease losses	$0	10,371
Total noninterest income	$624,000	4,831
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$624,000	2,805
Total noninterest expense	$3,435,000	3,978
Salaries and employee benefits	$1,844,000	3,532
Premises and equipment expense	$691,000	2,920
Additional noninterest expense	$900,000	5,366
Pre-tax net operating income	$1,592,000	4,100
Securities gains (losses)	$1,037,000	532
Applicable income taxes	$996,000	2,267
Income before extraordinary items	$1,633,000	2,992
Extraordinary gains, net	$190,000	1,051
Net income	$1,823,000	2,822
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-55,000	12,701
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$969,320	4,555
1992-12-31 (YTD Data)		Rank
Total interest income	$13,144,000	2,681
Total interest expense	$7,991,000	2,129
Net interest income	$5,153,000	3,536
Provision for loan and lease losses	$30,000	9,956
Total noninterest income	$554,000	5,265
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$554,000	2,984
Total noninterest expense	$3,405,000	4,035
Salaries and employee benefits	$1,802,000	3,552
Premises and equipment expense	$605,000	3,332
Additional noninterest expense	$998,000	5,059
Pre-tax net operating income	$2,272,000	2,745
Securities gains (losses)	$1,074,000	613
Applicable income taxes	$1,238,000	1,699
Income before extraordinary items	$2,108,000	2,177
Extraordinary gains, net	$0	1,422
Net income	$2,108,000	2,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	11,197
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,420,640	3,005

* 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.