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McClain Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$13,860,000	2,407
Total interest expense	$2,450,000	2,842
Net interest income	$11,410,000	2,192
Provision for loan and lease losses	$480,000	1,311
Total noninterest income	$2,763,000	1,706
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$737,000	1,271
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,026,000	1,610
Total noninterest expense	$8,690,000	2,208
Salaries and employee benefits	$5,396,000	2,094
Premises and equipment expense	$872,000	2,183
Additional noninterest expense	$2,026,000	1,610
Pre-tax net operating income	$5,003,000	1,917
Securities gains (losses)	$-20,000	3,479
Applicable income taxes	$1,171,000	1,335
Income before extraordinary items	$3,812,000	2,045
Extraordinary gains, net	$0	54
Net income	$3,812,000	2,070
Minority interest net income	$0	88
Net income of bank and minority interests.	$3,812,000	2,048
Net charge-offs	$387,000	853
Cash dividends	$5,497,000	758
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$3,827,800	2,070
2023-09-30 (YTD Data)		Rank
Total interest income	$10,182,000	2,398
Total interest expense	$1,635,000	2,854
Net interest income	$8,547,000	2,202
Provision for loan and lease losses	$0	3,085
Total noninterest income	$2,173,000	1,659
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$558,000	1,263
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,615,000	1,542
Total noninterest expense	$6,603,000	2,190
Salaries and employee benefits	$4,186,000	2,051
Premises and equipment expense	$636,000	2,233
Additional noninterest expense	$1,615,000	1,542
Pre-tax net operating income	$4,117,000	1,870
Securities gains (losses)	$-20,000	3,626
Applicable income taxes	$869,000	1,378
Income before extraordinary items	$3,228,000	1,969
Extraordinary gains, net	$0	52
Net income	$3,228,000	1,988
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,228,000	1,969
Net charge-offs	$331,000	697
Cash dividends	$2,930,000	902
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$3,243,800	1,984
2023-06-30 (YTD Data)		Rank
Total interest income	$6,653,000	2,397
Total interest expense	$883,000	2,928
Net interest income	$5,770,000	2,200
Provision for loan and lease losses	$0	2,940
Total noninterest income	$1,478,000	1,565
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$373,000	1,241
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,105,000	1,445
Total noninterest expense	$3,995,000	2,310
Salaries and employee benefits	$2,421,000	2,219
Premises and equipment expense	$412,000	2,270
Additional noninterest expense	$1,105,000	1,443
Pre-tax net operating income	$3,253,000	1,668
Securities gains (losses)	$-20,000	3,905
Applicable income taxes	$764,000	1,196
Income before extraordinary items	$2,469,000	1,796
Extraordinary gains, net	$0	51
Net income	$2,469,000	1,816
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,469,000	1,796
Net charge-offs	$-27,000	4,194
Cash dividends	$2,790,000	678
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$2,484,800	1,801
2023-03-31 (YTD Data)		Rank
Total interest income	$3,255,000	2,412
Total interest expense	$424,000	2,794
Net interest income	$2,831,000	2,237
Provision for loan and lease losses	$0	2,612
Total noninterest income	$744,000	1,556
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$197,000	1,199
Trading account gains and fees	NA	NA
Additional Noninterest Income	$547,000	1,448
Total noninterest expense	$1,951,000	2,375
Salaries and employee benefits	$1,218,000	2,247
Premises and equipment expense	$205,000	2,315
Additional noninterest expense	$547,000	1,448
Pre-tax net operating income	$1,624,000	1,697
Securities gains (losses)	$-19,000	4,107
Applicable income taxes	$379,000	1,201
Income before extraordinary items	$1,226,000	1,824
Extraordinary gains, net	$0	4
Net income	$1,226,000	1,824
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,226,000	1,824
Net charge-offs	$-7,000	3,948
Cash dividends	$140,000	1,966
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,241,010	1,832
2022-12-31 (YTD Data)		Rank
Total interest income	$10,666,000	2,435
Total interest expense	$497,000	3,248
Net interest income	$10,169,000	2,349
Provision for loan and lease losses	$170,000	1,899
Total noninterest income	$2,854,000	1,683
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$839,000	1,161
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,015,000	1,616
Total noninterest expense	$7,823,000	2,333
Salaries and employee benefits	$4,605,000	2,301
Premises and equipment expense	$906,000	2,122
Additional noninterest expense	$2,015,000	1,616
Pre-tax net operating income	$5,030,000	2,037
Securities gains (losses)	$-209,000	4,119
Applicable income taxes	$1,111,000	1,473
Income before extraordinary items	$3,710,000	2,205
Extraordinary gains, net	$0	5
Net income	$3,710,000	2,204
Minority interest net income	$0	63
Net income of bank and minority interests.	$3,710,000	2,204
Net charge-offs	$-13,000	3,702
Cash dividends	$3,570,000	1,014
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$3,875,110	2,176
2022-09-30 (YTD Data)		Rank
Total interest income	$7,716,000	2,439
Total interest expense	$236,000	3,558
Net interest income	$7,480,000	2,357
Provision for loan and lease losses	$0	2,835
Total noninterest income	$2,080,000	1,730
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$633,000	1,173
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,447,000	1,683
Total noninterest expense	$5,833,000	2,331
Salaries and employee benefits	$3,511,000	2,271
Premises and equipment expense	$647,000	2,212
Additional noninterest expense	$1,447,000	1,683
Pre-tax net operating income	$3,727,000	2,023
Securities gains (losses)	$3,000	589
Applicable income taxes	$887,000	1,422
Income before extraordinary items	$2,843,000	2,145
Extraordinary gains, net	$0	4
Net income	$2,843,000	2,144
Minority interest net income	$0	57
Net income of bank and minority interests.	$2,843,000	2,144
Net charge-offs	$-6,000	3,455
Cash dividends	$1,675,000	1,259
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$2,840,630	2,176
2022-06-30 (YTD Data)		Rank
Total interest income	$4,940,000	2,451
Total interest expense	$104,000	3,904
Net interest income	$4,836,000	2,365
Provision for loan and lease losses	$0	2,599
Total noninterest income	$1,324,000	1,765
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$419,000	1,154
Trading account gains and fees	NA	NA
Additional Noninterest Income	$905,000	1,780
Total noninterest expense	$3,801,000	2,361
Salaries and employee benefits	$2,303,000	2,292
Premises and equipment expense	$412,000	2,284
Additional noninterest expense	$1,086,000	2,474
Pre-tax net operating income	$2,359,000	1,996
Securities gains (losses)	$3,000	528
Applicable income taxes	$567,000	1,393
Income before extraordinary items	$1,795,000	2,122
Extraordinary gains, net	$0	4
Net income	$1,795,000	2,122
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,795,000	2,122
Net charge-offs	$32,000	1,151
Cash dividends	$1,535,000	1,016
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,792,630	2,164
2022-03-31 (YTD Data)		Rank
Total interest income	$2,357,000	2,476
Total interest expense	$48,000	3,965
Net interest income	$2,309,000	2,379
Provision for loan and lease losses	$0	2,285
Total noninterest income	$656,000	1,779
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$211,000	1,148
Trading account gains and fees	NA	NA
Additional Noninterest Income	$445,000	1,796
Total noninterest expense	$1,891,000	2,374
Salaries and employee benefits	$1,134,000	2,320
Premises and equipment expense	$198,000	2,348
Additional noninterest expense	$559,000	2,402
Pre-tax net operating income	$1,074,000	2,021
Securities gains (losses)	$3,000	496
Applicable income taxes	$248,000	1,455
Income before extraordinary items	$829,000	2,148
Extraordinary gains, net	$0	4
Net income	$829,000	2,148
Minority interest net income	$0	50
Net income of bank and minority interests.	$829,000	2,148
Net charge-offs	$26,000	881
Cash dividends	$1,395,000	624
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$826,630	2,170
2021-12-31 (YTD Data)		Rank
Total interest income	$9,648,000	2,509
Total interest expense	$260,000	3,890
Net interest income	$9,388,000	2,415
Provision for loan and lease losses	$0	3,064
Total noninterest income	$2,872,000	1,854
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$809,000	1,133
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,063,000	1,869
Total noninterest expense	$7,860,000	2,310
Salaries and employee benefits	$4,648,000	2,262
Premises and equipment expense	$932,000	2,118
Additional noninterest expense	$2,280,000	2,369
Pre-tax net operating income	$4,400,000	2,209
Securities gains (losses)	$2,000	1,964
Applicable income taxes	$1,097,000	1,538
Income before extraordinary items	$3,305,000	2,422
Extraordinary gains, net	$0	10
Net income	$3,305,000	2,422
Minority interest net income	$0	74
Net income of bank and minority interests.	$3,305,000	2,423
Net charge-offs	$-23,000	3,879
Cash dividends	$1,260,000	1,979
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$3,303,420	2,398
2021-09-30 (YTD Data)		Rank
Total interest income	$7,252,000	2,549
Total interest expense	$207,000	3,927
Net interest income	$7,045,000	2,456
Provision for loan and lease losses	$0	2,963
Total noninterest income	$2,182,000	1,883
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$588,000	1,152
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,594,000	1,895
Total noninterest expense	$5,797,000	2,355
Salaries and employee benefits	$3,495,000	2,266
Premises and equipment expense	$625,000	2,283
Additional noninterest expense	$1,677,000	2,403
Pre-tax net operating income	$3,430,000	2,258
Securities gains (losses)	$2,000	1,903
Applicable income taxes	$830,000	1,612
Income before extraordinary items	$2,602,000	2,464
Extraordinary gains, net	$0	8
Net income	$2,602,000	2,464
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,602,000	2,464
Net charge-offs	$-23,000	3,934
Cash dividends	$560,000	2,228
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$2,600,420	2,430
2021-06-30 (YTD Data)		Rank
Total interest income	$4,951,000	2,529
Total interest expense	$150,000	3,918
Net interest income	$4,801,000	2,425
Provision for loan and lease losses	$0	2,862
Total noninterest income	$1,394,000	1,871
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$370,000	1,170
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,024,000	1,879
Total noninterest expense	$3,887,000	2,337
Salaries and employee benefits	$2,360,000	2,248
Premises and equipment expense	$415,000	2,289
Additional noninterest expense	$1,112,000	2,399
Pre-tax net operating income	$2,308,000	2,201
Securities gains (losses)	$0	1,818
Applicable income taxes	$563,000	1,577
Income before extraordinary items	$1,745,000	2,413
Extraordinary gains, net	$0	6
Net income	$1,745,000	2,413
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,745,000	2,413
Net charge-offs	$3,000	2,008
Cash dividends	$420,000	2,107
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,745,000	2,374
2021-03-31 (YTD Data)		Rank
Total interest income	$2,516,000	2,493
Total interest expense	$84,000	3,870
Net interest income	$2,432,000	2,387
Provision for loan and lease losses	$0	2,741
Total noninterest income	$756,000	1,795
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$177,000	1,196
Trading account gains and fees	NA	NA
Additional Noninterest Income	$579,000	1,762
Total noninterest expense	$1,930,000	2,324
Salaries and employee benefits	$1,186,000	2,234
Premises and equipment expense	$204,000	2,330
Additional noninterest expense	$540,000	2,413
Pre-tax net operating income	$1,258,000	2,094
Securities gains (losses)	$0	1,392
Applicable income taxes	$327,000	1,447
Income before extraordinary items	$931,000	2,316
Extraordinary gains, net	$0	3
Net income	$931,000	2,314
Minority interest net income	$0	55
Net income of bank and minority interests.	$931,000	2,316
Net charge-offs	$0	1,930
Cash dividends	$140,000	1,993
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$931,000	2,263
2020-12-31 (YTD Data)		Rank
Total interest income	$10,206,000	2,484
Total interest expense	$568,000	3,692
Net interest income	$9,638,000	2,318
Provision for loan and lease losses	$1,015,000	1,584
Total noninterest income	$1,681,000	2,313
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$803,000	1,134
Trading account gains and fees	NA	NA
Additional Noninterest Income	$878,000	2,605
Total noninterest expense	$7,630,000	2,343
Salaries and employee benefits	$4,581,000	2,266
Premises and equipment expense	$882,000	2,199
Additional noninterest expense	$2,167,000	2,409
Pre-tax net operating income	$2,674,000	2,578
Securities gains (losses)	$0	2,675
Applicable income taxes	$655,000	1,745
Income before extraordinary items	$2,019,000	2,819
Extraordinary gains, net	$0	4
Net income	$2,019,000	2,818
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,019,000	2,819
Net charge-offs	$835,000	721
Cash dividends	$560,000	2,735
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$2,019,000	2,773
2020-09-30 (YTD Data)		Rank
Total interest income	$7,591,000	2,512
Total interest expense	$473,000	3,660
Net interest income	$7,118,000	2,340
Provision for loan and lease losses	$415,000	2,116
Total noninterest income	$1,999,000	1,793
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$608,000	1,118
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,391,000	1,818
Total noninterest expense	$5,698,000	2,327
Salaries and employee benefits	$3,420,000	2,254
Premises and equipment expense	$680,000	2,151
Additional noninterest expense	$1,598,000	2,404
Pre-tax net operating income	$3,004,000	2,038
Securities gains (losses)	$0	2,494
Applicable income taxes	$759,000	1,387
Income before extraordinary items	$2,245,000	2,286
Extraordinary gains, net	$0	4
Net income	$2,245,000	2,285
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,245,000	2,286
Net charge-offs	$884,000	538
Cash dividends	$420,000	2,465
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,245,000	2,233
2020-06-30 (YTD Data)		Rank
Total interest income	$5,141,000	2,523
Total interest expense	$362,000	3,599
Net interest income	$4,779,000	2,346
Provision for loan and lease losses	$415,000	1,769
Total noninterest income	$1,253,000	1,795
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$405,000	1,132
Trading account gains and fees	NA	NA
Additional Noninterest Income	$848,000	1,839
Total noninterest expense	$3,729,000	2,354
Salaries and employee benefits	$2,276,000	2,263
Premises and equipment expense	$460,000	2,135
Additional noninterest expense	$993,000	2,519
Pre-tax net operating income	$1,888,000	2,084
Securities gains (losses)	$0	2,249
Applicable income taxes	$484,000	1,377
Income before extraordinary items	$1,404,000	2,322
Extraordinary gains, net	$0	4
Net income	$1,404,000	2,321
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,404,000	2,322
Net charge-offs	$832,000	439
Cash dividends	$280,000	2,462
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,404,000	2,283
2020-03-31 (YTD Data)		Rank
Total interest income	$2,649,000	2,465
Total interest expense	$223,000	3,447
Net interest income	$2,426,000	2,277
Provision for loan and lease losses	$336,000	1,124
Total noninterest income	$627,000	1,706
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$233,000	1,173
Trading account gains and fees	NA	NA
Additional Noninterest Income	$394,000	1,755
Total noninterest expense	$1,789,000	2,430
Salaries and employee benefits	$1,066,000	2,370
Premises and equipment expense	$225,000	2,176
Additional noninterest expense	$498,000	2,541
Pre-tax net operating income	$928,000	1,938
Securities gains (losses)	$0	1,705
Applicable income taxes	$238,000	1,253
Income before extraordinary items	$690,000	2,194
Extraordinary gains, net	$0	4
Net income	$690,000	2,193
Minority interest net income	$0	56
Net income of bank and minority interests.	$690,000	2,194
Net charge-offs	$-15,000	4,590
Cash dividends	$140,000	2,141
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$690,000	2,163
2019-12-31 (YTD Data)		Rank
Total interest income	$10,699,000	2,473
Total interest expense	$1,255,000	2,989
Net interest income	$9,444,000	2,339
Provision for loan and lease losses	$48,000	3,422
Total noninterest income	$2,370,000	1,801
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$842,000	1,278
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,528,000	1,774
Total noninterest expense	$7,354,000	2,368
Salaries and employee benefits	$4,285,000	2,326
Premises and equipment expense	$930,000	2,133
Additional noninterest expense	$2,139,000	2,447
Pre-tax net operating income	$4,412,000	1,922
Securities gains (losses)	$-14,000	4,849
Applicable income taxes	$1,113,000	1,332
Income before extraordinary items	$3,285,000	2,168
Extraordinary gains, net	$0	11
Net income	$3,285,000	2,170
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,285,000	2,170
Net charge-offs	$196,000	1,707
Cash dividends	$3,909,000	992
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$3,296,060	2,124
2019-09-30 (YTD Data)		Rank
Total interest income	$8,090,000	2,480
Total interest expense	$1,011,000	2,908
Net interest income	$7,079,000	2,372
Provision for loan and lease losses	$0	3,836
Total noninterest income	$1,791,000	1,791
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$613,000	1,318
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,178,000	1,752
Total noninterest expense	$5,442,000	2,398
Salaries and employee benefits	$3,204,000	2,348
Premises and equipment expense	$697,000	2,149
Additional noninterest expense	$1,541,000	2,515
Pre-tax net operating income	$3,428,000	1,937
Securities gains (losses)	$-14,000	4,947
Applicable income taxes	$889,000	1,323
Income before extraordinary items	$2,525,000	2,188
Extraordinary gains, net	$0	11
Net income	$2,525,000	2,188
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,525,000	2,189
Net charge-offs	$76,000	1,948
Cash dividends	$770,000	2,088
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,536,060	2,144
2019-06-30 (YTD Data)		Rank
Total interest income	$5,386,000	2,487
Total interest expense	$714,000	2,820
Net interest income	$4,672,000	2,409
Provision for loan and lease losses	$0	3,685
Total noninterest income	$1,176,000	1,791
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$401,000	1,317
Trading account gains and fees	NA	NA
Additional Noninterest Income	$775,000	1,742
Total noninterest expense	$3,623,000	2,414
Salaries and employee benefits	$2,146,000	2,356
Premises and equipment expense	$462,000	2,162
Additional noninterest expense	$1,015,000	2,556
Pre-tax net operating income	$2,225,000	1,958
Securities gains (losses)	$-14,000	4,995
Applicable income taxes	$600,000	1,294
Income before extraordinary items	$1,611,000	2,234
Extraordinary gains, net	$0	11
Net income	$1,611,000	2,233
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,611,000	2,234
Net charge-offs	$103,000	1,393
Cash dividends	$630,000	1,863
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,622,060	2,197
2019-03-31 (YTD Data)		Rank
Total interest income	$2,638,000	2,521
Total interest expense	$353,000	2,805
Net interest income	$2,285,000	2,449
Provision for loan and lease losses	$0	3,406
Total noninterest income	$568,000	1,789
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$198,000	1,327
Trading account gains and fees	NA	NA
Additional Noninterest Income	$370,000	1,740
Total noninterest expense	$1,732,000	2,494
Salaries and employee benefits	$1,051,000	2,402
Premises and equipment expense	$226,000	2,224
Additional noninterest expense	$455,000	2,762
Pre-tax net operating income	$1,121,000	1,902
Securities gains (losses)	$0	1,087
Applicable income taxes	$328,000	1,198
Income before extraordinary items	$793,000	2,206
Extraordinary gains, net	$0	5
Net income	$793,000	2,205
Minority interest net income	$0	52
Net income of bank and minority interests.	$793,000	2,205
Net charge-offs	$122,000	803
Cash dividends	$280,000	1,787
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$793,000	2,192
2018-12-31 (YTD Data)		Rank
Total interest income	$9,963,000	2,531
Total interest expense	$1,032,000	2,880
Net interest income	$8,931,000	2,465
Provision for loan and lease losses	$0	4,082
Total noninterest income	$2,352,000	1,820
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$830,000	1,329
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,522,000	1,781
Total noninterest expense	$7,180,000	2,435
Salaries and employee benefits	$4,275,000	2,349
Premises and equipment expense	$905,000	2,193
Additional noninterest expense	$2,000,000	2,591
Pre-tax net operating income	$4,103,000	2,071
Securities gains (losses)	$-6,000	4,285
Applicable income taxes	$970,000	1,417
Income before extraordinary items	$3,127,000	2,263
Extraordinary gains, net	$0	6
Net income	$3,127,000	2,261
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,127,000	2,262
Net charge-offs	$-16,000	4,627
Cash dividends	$840,000	2,408
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,131,740	2,257
2018-09-30 (YTD Data)		Rank
Total interest income	$7,404,000	2,546
Total interest expense	$701,000	2,959
Net interest income	$6,703,000	2,465
Provision for loan and lease losses	$0	3,948
Total noninterest income	$1,818,000	1,792
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$619,000	1,348
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,199,000	1,742
Total noninterest expense	$5,330,000	2,459
Salaries and employee benefits	$3,187,000	2,360
Premises and equipment expense	$690,000	2,170
Additional noninterest expense	$1,453,000	2,663
Pre-tax net operating income	$3,191,000	2,041
Securities gains (losses)	$3,000	888
Applicable income taxes	$790,000	1,388
Income before extraordinary items	$2,404,000	2,232
Extraordinary gains, net	$0	5
Net income	$2,404,000	2,230
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,404,000	2,231
Net charge-offs	$-9,000	4,451
Cash dividends	$840,000	1,852
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,401,630	2,233
2018-06-30 (YTD Data)		Rank
Total interest income	$4,866,000	2,560
Total interest expense	$431,000	3,017
Net interest income	$4,435,000	2,481
Provision for loan and lease losses	$0	3,782
Total noninterest income	$1,105,000	1,897
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$404,000	1,369
Trading account gains and fees	NA	NA
Additional Noninterest Income	$701,000	1,872
Total noninterest expense	$3,575,000	2,454
Salaries and employee benefits	$2,124,000	2,374
Premises and equipment expense	$462,000	2,187
Additional noninterest expense	$989,000	2,637
Pre-tax net operating income	$1,965,000	2,121
Securities gains (losses)	$0	961
Applicable income taxes	$500,000	1,415
Income before extraordinary items	$1,465,000	2,348
Extraordinary gains, net	$0	6
Net income	$1,465,000	2,347
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,465,000	2,347
Net charge-offs	$-27,000	4,842
Cash dividends	$560,000	1,865
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,465,000	2,347
2018-03-31 (YTD Data)		Rank
Total interest income	$2,407,000	2,568
Total interest expense	$190,000	3,163
Net interest income	$2,217,000	2,473
Provision for loan and lease losses	$0	3,508
Total noninterest income	$523,000	1,942
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$204,000	1,365
Trading account gains and fees	NA	NA
Additional Noninterest Income	$319,000	1,953
Total noninterest expense	$1,724,000	2,530
Salaries and employee benefits	$1,040,000	2,434
Premises and equipment expense	$227,000	2,242
Additional noninterest expense	$457,000	2,804
Pre-tax net operating income	$1,016,000	2,026
Securities gains (losses)	$0	735
Applicable income taxes	$282,000	1,272
Income before extraordinary items	$734,000	2,310
Extraordinary gains, net	$0	7
Net income	$734,000	2,308
Minority interest net income	$0	52
Net income of bank and minority interests.	$734,000	2,310
Net charge-offs	$14,000	1,828
Cash dividends	$560,000	1,100
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$734,000	2,296
2017-12-31 (YTD Data)		Rank
Total interest income	$9,170,000	2,608
Total interest expense	$525,000	3,599
Net interest income	$8,645,000	2,493
Provision for loan and lease losses	$0	4,227
Total noninterest income	$2,075,000	1,978
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$825,000	1,382
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,250,000	2,027
Total noninterest expense	$6,983,000	2,518
Salaries and employee benefits	$4,249,000	2,370
Premises and equipment expense	$890,000	2,273
Additional noninterest expense	$1,844,000	2,809
Pre-tax net operating income	$3,737,000	2,138
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,125,000	1,771
Income before extraordinary items	$2,612,000	2,265
Extraordinary gains, net	$0	9
Net income	$2,612,000	2,265
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,612,000	2,265
Net charge-offs	$-2,000	4,552
Cash dividends	$1,050,000	2,132
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,612,000	2,240
2017-09-30 (YTD Data)		Rank
Total interest income	$6,814,000	2,640
Total interest expense	$377,000	3,675
Net interest income	$6,437,000	2,516
Provision for loan and lease losses	$0	4,088
Total noninterest income	$1,585,000	1,988
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$619,000	1,386
Trading account gains and fees	NA	NA
Additional Noninterest Income	$966,000	2,005
Total noninterest expense	$5,006,000	2,593
Salaries and employee benefits	$2,991,000	2,488
Premises and equipment expense	$670,000	2,284
Additional noninterest expense	$1,345,000	2,859
Pre-tax net operating income	$3,016,000	2,058
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,094,000	1,391
Income before extraordinary items	$1,922,000	2,471
Extraordinary gains, net	$0	9
Net income	$1,922,000	2,470
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,922,000	2,471
Net charge-offs	$-5,000	4,560
Cash dividends	$910,000	1,798
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,922,000	2,450
2017-06-30 (YTD Data)		Rank
Total interest income	$4,500,000	2,649
Total interest expense	$237,000	3,750
Net interest income	$4,263,000	2,519
Provision for loan and lease losses	$0	3,871
Total noninterest income	$992,000	2,061
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$401,000	1,410
Trading account gains and fees	NA	NA
Additional Noninterest Income	$591,000	2,128
Total noninterest expense	$3,306,000	2,621
Salaries and employee benefits	$1,981,000	2,506
Premises and equipment expense	$448,000	2,285
Additional noninterest expense	$877,000	2,917
Pre-tax net operating income	$1,949,000	2,066
Securities gains (losses)	$0	1,906
Applicable income taxes	$712,000	1,379
Income before extraordinary items	$1,237,000	2,474
Extraordinary gains, net	$0	11
Net income	$1,237,000	2,473
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,237,000	2,474
Net charge-offs	$41,000	2,135
Cash dividends	$490,000	2,057
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,237,000	2,450
2017-03-31 (YTD Data)		Rank
Total interest income	$2,212,000	2,671
Total interest expense	$101,000	3,991
Net interest income	$2,111,000	2,530
Provision for loan and lease losses	$0	3,537
Total noninterest income	$484,000	2,093
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$201,000	1,406
Trading account gains and fees	NA	NA
Additional Noninterest Income	$283,000	2,175
Total noninterest expense	$1,642,000	2,650
Salaries and employee benefits	$971,000	2,576
Premises and equipment expense	$229,000	2,282
Additional noninterest expense	$442,000	2,912
Pre-tax net operating income	$953,000	2,032
Securities gains (losses)	$0	1,153
Applicable income taxes	$357,000	1,346
Income before extraordinary items	$596,000	2,461
Extraordinary gains, net	$0	8
Net income	$596,000	2,460
Minority interest net income	$0	55
Net income of bank and minority interests.	$596,000	2,461
Net charge-offs	$37,000	1,511
Cash dividends	$280,000	1,706
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$596,000	2,444
2016-12-31 (YTD Data)		Rank
Total interest income	$8,615,000	2,706
Total interest expense	$367,000	4,167
Net interest income	$8,248,000	2,555
Provision for loan and lease losses	$0	4,332
Total noninterest income	$2,216,000	1,994
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$819,000	1,413
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,397,000	1,971
Total noninterest expense	$6,715,000	2,640
Salaries and employee benefits	$4,011,000	2,494
Premises and equipment expense	$866,000	2,370
Additional noninterest expense	$1,838,000	2,910
Pre-tax net operating income	$3,749,000	2,019
Securities gains (losses)	$19,000	2,394
Applicable income taxes	$1,418,000	1,317
Income before extraordinary items	$2,350,000	2,511
Extraordinary gains, net	$0	5
Net income	$2,350,000	2,510
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,350,000	2,511
Net charge-offs	$-29,000	5,210
Cash dividends	$560,000	2,847
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,337,840	2,474
2016-09-30 (YTD Data)		Rank
Total interest income	$6,420,000	2,723
Total interest expense	$274,000	4,202
Net interest income	$6,146,000	2,577
Provision for loan and lease losses	$0	4,186
Total noninterest income	$1,656,000	1,996
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$612,000	1,415
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,044,000	1,990
Total noninterest expense	$4,995,000	2,643
Salaries and employee benefits	$3,015,000	2,471
Premises and equipment expense	$631,000	2,415
Additional noninterest expense	$1,349,000	2,964
Pre-tax net operating income	$2,807,000	2,058
Securities gains (losses)	$19,000	2,332
Applicable income taxes	$1,084,000	1,337
Income before extraordinary items	$1,742,000	2,566
Extraordinary gains, net	$0	5
Net income	$1,742,000	2,567
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,742,000	2,567
Net charge-offs	$-39,000	5,293
Cash dividends	$560,000	2,253
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,729,840	2,517
2016-06-30 (YTD Data)		Rank
Total interest income	$4,243,000	2,754
Total interest expense	$184,000	4,216
Net interest income	$4,059,000	2,601
Provision for loan and lease losses	$0	4,017
Total noninterest income	$1,081,000	2,003
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$397,000	1,435
Trading account gains and fees	$0	157
Additional Noninterest Income	$684,000	1,985
Total noninterest expense	$3,334,000	2,650
Salaries and employee benefits	$2,039,000	2,468
Premises and equipment expense	$419,000	2,426
Additional noninterest expense	$876,000	3,031
Pre-tax net operating income	$1,806,000	2,105
Securities gains (losses)	$19,000	1,971
Applicable income taxes	$715,000	1,332
Income before extraordinary items	$1,110,000	2,624
Extraordinary gains, net	$0	16
Net income	$1,110,000	2,623
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,110,000	2,623
Net charge-offs	$-8,000	4,897
Cash dividends	$280,000	2,594
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,097,840	2,568
2016-03-31 (YTD Data)		Rank
Total interest income	$2,122,000	2,757
Total interest expense	$94,000	4,215
Net interest income	$2,028,000	2,603
Provision for loan and lease losses	$0	3,656
Total noninterest income	$545,000	1,963
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$197,000	1,443
Trading account gains and fees	$0	142
Additional Noninterest Income	$348,000	1,914
Total noninterest expense	$1,697,000	2,626
Salaries and employee benefits	$1,038,000	2,448
Premises and equipment expense	$207,000	2,481
Additional noninterest expense	$452,000	2,971
Pre-tax net operating income	$876,000	2,129
Securities gains (losses)	$19,000	1,252
Applicable income taxes	$386,000	1,262
Income before extraordinary items	$509,000	2,718
Extraordinary gains, net	$0	12
Net income	$509,000	2,718
Minority interest net income	$0	62
Net income of bank and minority interests.	$509,000	2,718
Net charge-offs	$17,000	2,074
Cash dividends	$280,000	1,684
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$496,840	2,712
2015-12-31 (YTD Data)		Rank
Total interest income	$8,106,000	2,812
Total interest expense	$317,000	4,521
Net interest income	$7,789,000	2,662
Provision for loan and lease losses	$0	4,380
Total noninterest income	$2,444,000	1,848
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$753,000	1,551
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,691,000	1,716
Total noninterest expense	$6,877,000	2,587
Salaries and employee benefits	$4,087,000	2,449
Premises and equipment expense	$908,000	2,325
Additional noninterest expense	$1,882,000	2,915
Pre-tax net operating income	$3,356,000	2,135
Securities gains (losses)	$-21,000	5,946
Applicable income taxes	$1,086,000	1,525
Income before extraordinary items	$2,249,000	2,516
Extraordinary gains, net	$0	23
Net income	$2,249,000	2,518
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,249,000	2,518
Net charge-offs	$-698,000	6,052
Cash dividends	$1,950,000	1,386
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,263,070	2,459
2015-09-30 (YTD Data)		Rank
Total interest income	$5,994,000	2,858
Total interest expense	$239,000	4,580
Net interest income	$5,755,000	2,705
Provision for loan and lease losses	$0	4,232
Total noninterest income	$1,929,000	1,799
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$568,000	1,561
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,361,000	1,659
Total noninterest expense	$4,966,000	2,673
Salaries and employee benefits	$2,914,000	2,558
Premises and equipment expense	$677,000	2,370
Additional noninterest expense	$1,375,000	2,982
Pre-tax net operating income	$2,718,000	2,061
Securities gains (losses)	$-22,000	6,068
Applicable income taxes	$955,000	1,415
Income before extraordinary items	$1,741,000	2,507
Extraordinary gains, net	$0	21
Net income	$1,741,000	2,508
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,741,000	2,508
Net charge-offs	$-660,000	6,149
Cash dividends	$1,950,000	1,017
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,755,300	2,444
2015-06-30 (YTD Data)		Rank
Total interest income	$3,905,000	2,901
Total interest expense	$159,000	4,621
Net interest income	$3,746,000	2,748
Provision for loan and lease losses	$0	4,069
Total noninterest income	$996,000	2,145
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$376,000	1,551
Trading account gains and fees	$0	157
Additional Noninterest Income	$620,000	2,127
Total noninterest expense	$3,294,000	2,705
Salaries and employee benefits	$1,927,000	2,592
Premises and equipment expense	$447,000	2,402
Additional noninterest expense	$920,000	2,993
Pre-tax net operating income	$1,448,000	2,397
Securities gains (losses)	$-21,000	6,186
Applicable income taxes	$495,000	1,644
Income before extraordinary items	$932,000	2,876
Extraordinary gains, net	$0	22
Net income	$932,000	2,876
Minority interest net income	$0	75
Net income of bank and minority interests.	$932,000	2,878
Net charge-offs	$-44,000	5,720
Cash dividends	$230,000	2,658
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$945,650	2,799
2015-03-31 (YTD Data)		Rank
Total interest income	$1,885,000	2,973
Total interest expense	$80,000	4,669
Net interest income	$1,805,000	2,821
Provision for loan and lease losses	$0	3,703
Total noninterest income	$509,000	2,073
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$187,000	1,523
Trading account gains and fees	$0	152
Additional Noninterest Income	$322,000	2,024
Total noninterest expense	$1,629,000	2,737
Salaries and employee benefits	$953,000	2,622
Premises and equipment expense	$234,000	2,362
Additional noninterest expense	$442,000	3,076
Pre-tax net operating income	$685,000	2,453
Securities gains (losses)	$-21,000	6,301
Applicable income taxes	$228,000	1,687
Income before extraordinary items	$436,000	2,975
Extraordinary gains, net	$0	13
Net income	$436,000	2,978
Minority interest net income	$0	64
Net income of bank and minority interests.	$436,000	2,978
Net charge-offs	$4,000	2,829
Cash dividends	$230,000	1,748
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$449,860	2,845
2014-12-31 (YTD Data)		Rank
Total interest income	$7,384,000	3,057
Total interest expense	$346,000	4,719
Net interest income	$7,038,000	2,876
Provision for loan and lease losses	$0	4,603
Total noninterest income	$2,036,000	2,081
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$817,000	1,544
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,219,000	2,052
Total noninterest expense	$6,668,000	2,707
Salaries and employee benefits	$3,904,000	2,555
Premises and equipment expense	$909,000	2,425
Additional noninterest expense	$1,855,000	3,058
Pre-tax net operating income	$2,406,000	2,656
Securities gains (losses)	$-50,000	6,260
Applicable income taxes	$774,000	1,802
Income before extraordinary items	$1,582,000	3,153
Extraordinary gains, net	$0	17
Net income	$1,582,000	3,153
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,582,000	3,154
Net charge-offs	$1,640,000	609
Cash dividends	$560,000	2,725
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,615,500	3,058
2014-09-30 (YTD Data)		Rank
Total interest income	$5,507,000	3,091
Total interest expense	$263,000	4,767
Net interest income	$5,244,000	2,920
Provision for loan and lease losses	$0	4,401
Total noninterest income	$1,516,000	2,097
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$622,000	1,533
Trading account gains and fees	$0	174
Additional Noninterest Income	$894,000	2,093
Total noninterest expense	$4,945,000	2,734
Salaries and employee benefits	$2,898,000	2,578
Premises and equipment expense	$686,000	2,439
Additional noninterest expense	$1,361,000	3,104
Pre-tax net operating income	$1,815,000	2,690
Securities gains (losses)	$-25,000	6,275
Applicable income taxes	$587,000	1,817
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	$1,647,000	456
Cash dividends	$560,000	2,098
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,219,750	3,069
2014-06-30 (YTD Data)		Rank
Total interest income	$3,647,000	3,104
Total interest expense	$176,000	4,808
Net interest income	$3,471,000	2,940
Provision for loan and lease losses	$0	4,196
Total noninterest income	$976,000	2,127
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$406,000	1,538
Trading account gains and fees	$0	172
Additional Noninterest Income	$570,000	2,131
Total noninterest expense	$3,250,000	2,786
Salaries and employee benefits	$1,890,000	2,632
Premises and equipment expense	$448,000	2,485
Additional noninterest expense	$912,000	3,110
Pre-tax net operating income	$1,197,000	2,660
Securities gains (losses)	$-22,000	6,393
Applicable income taxes	$384,000	1,806
Income before extraordinary items	$791,000	3,111
Extraordinary gains, net	$0	20
Net income	$791,000	3,117
Minority interest net income	$0	80
Net income of bank and minority interests.	$791,000	3,117
Net charge-offs	$1,650,000	340
Cash dividends	$280,000	2,430
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$805,740	3,027
2014-03-31 (YTD Data)		Rank
Total interest income	$1,774,000	3,188
Total interest expense	$88,000	4,865
Net interest income	$1,686,000	3,006
Provision for loan and lease losses	$0	3,817
Total noninterest income	$456,000	2,166
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$201,000	1,545
Trading account gains and fees	$0	147
Additional Noninterest Income	$255,000	2,226
Total noninterest expense	$1,557,000	2,902
Salaries and employee benefits	$870,000	2,813
Premises and equipment expense	$232,000	2,463
Additional noninterest expense	$455,000	3,123
Pre-tax net operating income	$585,000	2,614
Securities gains (losses)	$1,000	1,605
Applicable income taxes	$191,000	1,752
Income before extraordinary items	$395,000	3,025
Extraordinary gains, net	$0	16
Net income	$395,000	3,028
Minority interest net income	$0	66
Net income of bank and minority interests.	$395,000	3,028
Net charge-offs	$-5,000	5,444
Cash dividends	$280,000	1,508
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$394,330	2,992
2013-12-31 (YTD Data)		Rank
Total interest income	$6,982,000	3,253
Total interest expense	$386,000	4,982
Net interest income	$6,596,000	3,033
Provision for loan and lease losses	$1,354,000	863
Total noninterest income	$2,097,000	2,099
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$788,000	1,672
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,309,000	2,017
Total noninterest expense	$6,331,000	2,862
Salaries and employee benefits	$3,703,000	2,668
Premises and equipment expense	$856,000	2,569
Additional noninterest expense	$1,772,000	3,243
Pre-tax net operating income	$1,008,000	4,069
Securities gains (losses)	$85,000	1,444
Applicable income taxes	$295,000	2,652
Income before extraordinary items	$798,000	4,267
Extraordinary gains, net	$0	29
Net income	$798,000	4,269
Minority interest net income	$0	90
Net income of bank and minority interests.	$798,000	4,270
Net charge-offs	$47,000	4,397
Cash dividends	$280,000	3,343
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$735,950	4,313
2013-09-30 (YTD Data)		Rank
Total interest income	$5,218,000	3,294
Total interest expense	$294,000	5,044
Net interest income	$4,924,000	3,070
Provision for loan and lease losses	$0	4,941
Total noninterest income	$1,598,000	2,122
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$577,000	1,705
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,021,000	2,017
Total noninterest expense	$4,703,000	2,902
Salaries and employee benefits	$2,734,000	2,704
Premises and equipment expense	$649,000	2,575
Additional noninterest expense	$1,320,000	3,270
Pre-tax net operating income	$1,819,000	2,607
Securities gains (losses)	$87,000	1,313
Applicable income taxes	$639,000	1,659
Income before extraordinary items	$1,267,000	2,968
Extraordinary gains, net	$0	25
Net income	$1,267,000	2,972
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,267,000	2,972
Net charge-offs	$17,000	4,487
Cash dividends	$280,000	2,687
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,209,580	2,993
2013-06-30 (YTD Data)		Rank
Total interest income	$3,448,000	3,320
Total interest expense	$199,000	5,069
Net interest income	$3,249,000	3,099
Provision for loan and lease losses	$0	4,788
Total noninterest income	$997,000	2,230
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$375,000	1,714
Trading account gains and fees	$0	157
Additional Noninterest Income	$622,000	2,184
Total noninterest expense	$3,162,000	2,874
Salaries and employee benefits	$1,864,000	2,660
Premises and equipment expense	$419,000	2,645
Additional noninterest expense	$879,000	3,266
Pre-tax net operating income	$1,084,000	2,734
Securities gains (losses)	$87,000	1,190
Applicable income taxes	$389,000	1,771
Income before extraordinary items	$782,000	3,117
Extraordinary gains, net	$0	22
Net income	$782,000	3,119
Minority interest net income	$0	82
Net income of bank and minority interests.	$782,000	3,120
Net charge-offs	$10,000	4,322
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$723,710	3,158
2013-03-31 (YTD Data)		Rank
Total interest income	$1,719,000	3,359
Total interest expense	$102,000	5,109
Net interest income	$1,617,000	3,113
Provision for loan and lease losses	$0	4,409
Total noninterest income	$518,000	2,184
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$181,000	1,742
Trading account gains and fees	$0	148
Additional Noninterest Income	$337,000	2,068
Total noninterest expense	$1,526,000	2,971
Salaries and employee benefits	$864,000	2,869
Premises and equipment expense	$224,000	2,536
Additional noninterest expense	$438,000	3,292
Pre-tax net operating income	$609,000	2,530
Securities gains (losses)	$87,000	725
Applicable income taxes	$236,000	1,555
Income before extraordinary items	$460,000	2,753
Extraordinary gains, net	$0	10
Net income	$460,000	2,756
Minority interest net income	$0	76
Net income of bank and minority interests.	$460,000	2,755
Net charge-offs	$7,000	3,581
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$402,580	2,932
2012-12-31 (YTD Data)		Rank
Total interest income	$7,133,000	3,406
Total interest expense	$486,000	5,177
Net interest income	$6,647,000	3,112
Provision for loan and lease losses	$0	5,905
Total noninterest income	$2,191,000	2,059
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$862,000	1,589
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,329,000	1,998
Total noninterest expense	$6,693,000	2,776
Salaries and employee benefits	$3,876,000	2,528
Premises and equipment expense	$875,000	2,550
Additional noninterest expense	$1,942,000	3,164
Pre-tax net operating income	$2,145,000	2,682
Securities gains (losses)	$87,000	2,373
Applicable income taxes	$700,000	1,838
Income before extraordinary items	$1,532,000	3,091
Extraordinary gains, net	$0	29
Net income	$1,532,000	3,089
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,532,000	3,090
Net charge-offs	$382,000	2,997
Cash dividends	$840,000	2,173
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,471,970	3,026
2012-09-30 (YTD Data)		Rank
Total interest income	$5,405,000	3,437
Total interest expense	$377,000	5,235
Net interest income	$5,028,000	3,145
Provision for loan and lease losses	$0	5,790
Total noninterest income	$1,524,000	2,157
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$655,000	1,598
Trading account gains and fees	$0	157
Additional Noninterest Income	$869,000	2,176
Total noninterest expense	$5,053,000	2,764
Salaries and employee benefits	$2,866,000	2,571
Premises and equipment expense	$662,000	2,548
Additional noninterest expense	$1,525,000	3,072
Pre-tax net operating income	$1,499,000	2,891
Securities gains (losses)	$82,000	2,115
Applicable income taxes	$491,000	1,963
Income before extraordinary items	$1,090,000	3,263
Extraordinary gains, net	$0	20
Net income	$1,090,000	3,265
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,090,000	3,264
Net charge-offs	$385,000	2,506
Cash dividends	$560,000	1,913
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,033,420	3,214
2012-06-30 (YTD Data)		Rank
Total interest income	$3,598,000	3,464
Total interest expense	$260,000	5,273
Net interest income	$3,338,000	3,165
Provision for loan and lease losses	$0	5,619
Total noninterest income	$1,057,000	2,086
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$429,000	1,600
Trading account gains and fees	$0	153
Additional Noninterest Income	$628,000	2,053
Total noninterest expense	$3,474,000	2,697
Salaries and employee benefits	$1,951,000	2,511
Premises and equipment expense	$428,000	2,626
Additional noninterest expense	$1,095,000	2,904
Pre-tax net operating income	$921,000	3,019
Securities gains (losses)	$22,000	2,453
Applicable income taxes	$284,000	2,114
Income before extraordinary items	$659,000	3,457
Extraordinary gains, net	$0	19
Net income	$659,000	3,458
Minority interest net income	$0	84
Net income of bank and minority interests.	$659,000	3,458
Net charge-offs	$349,000	2,155
Cash dividends	$280,000	2,231
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$643,600	3,322
2012-03-31 (YTD Data)		Rank
Total interest income	$1,824,000	3,459
Total interest expense	$135,000	5,294
Net interest income	$1,689,000	3,144
Provision for loan and lease losses	$0	5,254
Total noninterest income	$452,000	2,309
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$213,000	1,603
Trading account gains and fees	$0	148
Additional Noninterest Income	$239,000	2,401
Total noninterest expense	$1,668,000	2,797
Salaries and employee benefits	$917,000	2,707
Premises and equipment expense	$209,000	2,712
Additional noninterest expense	$542,000	2,896
Pre-tax net operating income	$473,000	2,983
Securities gains (losses)	$7,000	1,852
Applicable income taxes	$148,000	2,049
Income before extraordinary items	$332,000	3,448
Extraordinary gains, net	$0	19
Net income	$332,000	3,451
Minority interest net income	$0	78
Net income of bank and minority interests.	$332,000	3,451
Net charge-offs	$296,000	1,507
Cash dividends	$280,000	1,338
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$327,170	3,300
2011-12-31 (YTD Data)		Rank
Total interest income	$7,481,000	3,510
Total interest expense	$771,000	4,997
Net interest income	$6,710,000	3,178
Provision for loan and lease losses	$0	6,496
Total noninterest income	$1,801,000	2,173
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$861,000	1,679
Trading account gains and fees	$0	146
Additional Noninterest Income	$940,000	2,222
Total noninterest expense	$6,730,000	2,751
Salaries and employee benefits	$3,825,000	2,510
Premises and equipment expense	$879,000	2,693
Additional noninterest expense	$2,026,000	3,107
Pre-tax net operating income	$1,781,000	2,726
Securities gains (losses)	$50,000	2,589
Applicable income taxes	$607,000	1,833
Income before extraordinary items	$1,224,000	3,177
Extraordinary gains, net	$0	29
Net income	$1,224,000	3,180
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,224,000	3,180
Net charge-offs	$179,000	4,433
Cash dividends	$280,000	3,065
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,190,500	3,125
2011-09-30 (YTD Data)		Rank
Total interest income	$5,645,000	3,536
Total interest expense	$627,000	4,937
Net interest income	$5,018,000	3,200
Provision for loan and lease losses	$0	6,393
Total noninterest income	$1,368,000	2,140
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$644,000	1,689
Trading account gains and fees	$0	145
Additional Noninterest Income	$724,000	2,176
Total noninterest expense	$4,882,000	2,852
Salaries and employee benefits	$2,794,000	2,579
Premises and equipment expense	$656,000	2,739
Additional noninterest expense	$1,432,000	3,270
Pre-tax net operating income	$1,504,000	2,571
Securities gains (losses)	$32,000	2,604
Applicable income taxes	$518,000	1,707
Income before extraordinary items	$1,018,000	3,026
Extraordinary gains, net	$0	21
Net income	$1,018,000	3,028
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,018,000	3,028
Net charge-offs	$199,000	3,722
Cash dividends	$280,000	2,412
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$996,880	2,972
2011-06-30 (YTD Data)		Rank
Total interest income	$3,822,000	3,518
Total interest expense	$451,000	4,877
Net interest income	$3,371,000	3,193
Provision for loan and lease losses	$0	6,217
Total noninterest income	$872,000	2,196
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$421,000	1,693
Trading account gains and fees	$0	153
Additional Noninterest Income	$451,000	2,258
Total noninterest expense	$3,281,000	2,854
Salaries and employee benefits	$1,910,000	2,521
Premises and equipment expense	$426,000	2,799
Additional noninterest expense	$945,000	3,341
Pre-tax net operating income	$962,000	2,604
Securities gains (losses)	$31,000	1,870
Applicable income taxes	$335,000	1,687
Income before extraordinary items	$658,000	3,022
Extraordinary gains, net	$0	15
Net income	$658,000	3,024
Minority interest net income	$0	89
Net income of bank and minority interests.	$658,000	3,024
Net charge-offs	$103,000	3,807
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$637,540	2,987
2011-03-31 (YTD Data)		Rank
Total interest income	$1,947,000	3,484
Total interest expense	$238,000	4,860
Net interest income	$1,709,000	3,142
Provision for loan and lease losses	$0	5,840
Total noninterest income	$426,000	2,254
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$207,000	1,701
Trading account gains and fees	$0	158
Additional Noninterest Income	$219,000	2,347
Total noninterest expense	$1,585,000	2,953
Salaries and employee benefits	$904,000	2,683
Premises and equipment expense	$210,000	2,872
Additional noninterest expense	$471,000	3,333
Pre-tax net operating income	$550,000	2,387
Securities gains (losses)	$0	1,772
Applicable income taxes	$188,000	1,576
Income before extraordinary items	$362,000	2,871
Extraordinary gains, net	$0	9
Net income	$362,000	2,870
Minority interest net income	$0	86
Net income of bank and minority interests.	$362,000	2,871
Net charge-offs	$-143,000	7,480
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$362,000	2,818
2010-12-31 (YTD Data)		Rank
Total interest income	$8,318,000	3,442
Total interest expense	$1,271,000	4,669
Net interest income	$7,047,000	3,056
Provision for loan and lease losses	$425,000	4,377
Total noninterest income	$2,115,000	2,004
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$1,035,000	1,470
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,080,000	2,093
Total noninterest expense	$6,912,000	2,753
Salaries and employee benefits	$3,950,000	2,427
Premises and equipment expense	$836,000	2,886
Additional noninterest expense	$2,126,000	3,090
Pre-tax net operating income	$1,825,000	2,409
Securities gains (losses)	$11,000	3,287
Applicable income taxes	$614,000	1,707
Income before extraordinary items	$1,222,000	2,878
Extraordinary gains, net	$0	29
Net income	$1,222,000	2,875
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,222,000	2,879
Net charge-offs	$473,000	3,731
Cash dividends	$810,000	1,743
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,214,630	2,780
2010-09-30 (YTD Data)		Rank
Total interest income	$6,413,000	3,436
Total interest expense	$1,011,000	4,674
Net interest income	$5,402,000	3,039
Provision for loan and lease losses	$425,000	3,812
Total noninterest income	$1,444,000	2,149
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$806,000	1,455
Trading account gains and fees	$0	165
Additional Noninterest Income	$638,000	2,403
Total noninterest expense	$5,113,000	2,784
Salaries and employee benefits	$2,930,000	2,471
Premises and equipment expense	$629,000	2,917
Additional noninterest expense	$1,554,000	3,114
Pre-tax net operating income	$1,308,000	2,621
Securities gains (losses)	$11,000	3,082
Applicable income taxes	$439,000	1,783
Income before extraordinary items	$880,000	3,120
Extraordinary gains, net	$0	23
Net income	$880,000	3,118
Minority interest net income	$0	110
Net income of bank and minority interests.	$880,000	3,120
Net charge-offs	$418,000	3,305
Cash dividends	$560,000	1,632
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$872,630	3,010
2010-06-30 (YTD Data)		Rank
Total interest income	$4,348,000	3,428
Total interest expense	$724,000	4,588
Net interest income	$3,624,000	3,031
Provision for loan and lease losses	$425,000	3,102
Total noninterest income	$1,004,000	2,047
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$546,000	1,439
Trading account gains and fees	$0	152
Additional Noninterest Income	$458,000	2,216
Total noninterest expense	$3,375,000	2,813
Salaries and employee benefits	$1,955,000	2,494
Premises and equipment expense	$417,000	2,961
Additional noninterest expense	$1,003,000	3,201
Pre-tax net operating income	$828,000	2,735
Securities gains (losses)	$10,000	2,597
Applicable income taxes	$277,000	1,816
Income before extraordinary items	$561,000	3,194
Extraordinary gains, net	$0	19
Net income	$561,000	3,189
Minority interest net income	$0	105
Net income of bank and minority interests.	$561,000	3,192
Net charge-offs	$420,000	2,646
Cash dividends	$280,000	1,972
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$554,300	3,110
2010-03-31 (YTD Data)		Rank
Total interest income	$2,257,000	3,371
Total interest expense	$383,000	4,593
Net interest income	$1,874,000	2,955
Provision for loan and lease losses	$100,000	3,933
Total noninterest income	$469,000	2,136
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$266,000	1,470
Trading account gains and fees	$0	175
Additional Noninterest Income	$203,000	2,370
Total noninterest expense	$1,552,000	3,063
Salaries and employee benefits	$917,000	2,669
Premises and equipment expense	$200,000	3,115
Additional noninterest expense	$435,000	3,579
Pre-tax net operating income	$691,000	1,849
Securities gains (losses)	$0	2,284
Applicable income taxes	$241,000	1,245
Income before extraordinary items	$450,000	2,336
Extraordinary gains, net	$0	16
Net income	$450,000	2,335
Minority interest net income	$0	91
Net income of bank and minority interests.	$450,000	2,336
Net charge-offs	$225,000	2,308
Cash dividends	$280,000	1,137
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$450,000	2,247
2009-12-31 (YTD Data)		Rank
Total interest income	$9,535,000	3,349
Total interest expense	$1,802,000	4,738
Net interest income	$7,733,000	2,806
Provision for loan and lease losses	$2,851,000	2,045
Total noninterest income	$2,071,000	2,080
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$1,077,000	1,564
Trading account gains and fees	$0	211
Additional Noninterest Income	$994,000	2,149
Total noninterest expense	$6,803,000	2,862
Salaries and employee benefits	$3,946,000	2,479
Premises and equipment expense	$865,000	2,918
Additional noninterest expense	$1,992,000	3,319
Pre-tax net operating income	$150,000	4,943
Securities gains (losses)	$13,000	3,179
Applicable income taxes	$-113,000	6,599
Income before extraordinary items	$276,000	4,554
Extraordinary gains, net	$0	34
Net income	$276,000	4,554
Minority interest net income	$0	115
Net income of bank and minority interests.	$276,000	4,555
Net charge-offs	$1,918,000	2,085
Cash dividends	$560,000	2,406
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$263,000	4,527
2009-09-30 (YTD Data)		Rank
Total interest income	$7,391,000	3,320
Total interest expense	$1,411,000	4,767
Net interest income	$5,980,000	2,745
Provision for loan and lease losses	$545,000	3,673
Total noninterest income	$1,531,000	2,141
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$789,000	1,607
Trading account gains and fees	$0	212
Additional Noninterest Income	$742,000	2,222
Total noninterest expense	$4,912,000	2,955
Salaries and employee benefits	$2,884,000	2,551
Premises and equipment expense	$651,000	2,944
Additional noninterest expense	$1,377,000	3,502
Pre-tax net operating income	$2,054,000	1,583
Securities gains (losses)	$13,000	2,895
Applicable income taxes	$661,000	1,136
Income before extraordinary items	$1,406,000	1,892
Extraordinary gains, net	$0	27
Net income	$1,406,000	1,891
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,406,000	1,892
Net charge-offs	$233,000	4,069
Cash dividends	$560,000	1,877
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,397,160	1,858
2009-06-30 (YTD Data)		Rank
Total interest income	$4,935,000	3,348
Total interest expense	$988,000	4,758
Net interest income	$3,947,000	2,757
Provision for loan and lease losses	$167,000	4,600
Total noninterest income	$1,012,000	2,176
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$502,000	1,654
Trading account gains and fees	$0	193
Additional Noninterest Income	$510,000	2,195
Total noninterest expense	$3,316,000	2,955
Salaries and employee benefits	$1,970,000	2,545
Premises and equipment expense	$422,000	3,044
Additional noninterest expense	$924,000	3,483
Pre-tax net operating income	$1,476,000	1,543
Securities gains (losses)	$13,000	2,499
Applicable income taxes	$472,000	1,131
Income before extraordinary items	$1,017,000	1,823
Extraordinary gains, net	$0	21
Net income	$1,017,000	1,820
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,017,000	1,822
Net charge-offs	$192,000	3,476
Cash dividends	$280,000	2,299
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,008,160	1,781
2009-03-31 (YTD Data)		Rank
Total interest income	$2,473,000	3,378
Total interest expense	$530,000	4,678
Net interest income	$1,943,000	2,781
Provision for loan and lease losses	$167,000	3,087
Total noninterest income	$462,000	2,257
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$245,000	1,646
Trading account gains and fees	$0	171
Additional Noninterest Income	$217,000	2,399
Total noninterest expense	$1,548,000	3,053
Salaries and employee benefits	$904,000	2,793
Premises and equipment expense	$213,000	3,084
Additional noninterest expense	$431,000	3,373
Pre-tax net operating income	$690,000	1,832
Securities gains (losses)	$0	2,434
Applicable income taxes	$213,000	1,385
Income before extraordinary items	$477,000	2,227
Extraordinary gains, net	$0	15
Net income	$477,000	2,228
Minority interest net income	$0	102
Net income of bank and minority interests.	$477,000	2,229
Net charge-offs	$142,000	2,474
Cash dividends	$280,000	1,427
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$477,000	2,093
2008-12-31 (YTD Data)		Rank
Total interest income	$10,101,000	3,494
Total interest expense	$3,011,000	4,246
Net interest income	$7,090,000	3,020
Provision for loan and lease losses	$2,653,000	1,514
Total noninterest income	$3,152,000	1,505
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$1,018,000	1,731
Trading account gains and fees	$0	154
Additional Noninterest Income	$2,134,000	1,246
Total noninterest expense	$6,219,000	2,973
Salaries and employee benefits	$3,909,000	2,564
Premises and equipment expense	$872,000	2,954
Additional noninterest expense	$1,438,000	3,736
Pre-tax net operating income	$1,370,000	3,178
Securities gains (losses)	$13,000	2,401
Applicable income taxes	$456,000	1,931
Income before extraordinary items	$927,000	3,425
Extraordinary gains, net	$0	39
Net income	$927,000	3,425
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,405,000	1,151
Cash dividends	$600,000	3,082
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$918,290	3,588
2008-09-30 (YTD Data)		Rank
Total interest income	$7,605,000	3,554
Total interest expense	$2,412,000	4,180
Net interest income	$5,193,000	3,101
Provision for loan and lease losses	$2,613,000	989
Total noninterest income	$2,636,000	1,446
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$752,000	1,768
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,884,000	1,158
Total noninterest expense	$4,595,000	2,991
Salaries and employee benefits	$2,911,000	2,607
Premises and equipment expense	$657,000	2,964
Additional noninterest expense	$1,027,000	3,787
Pre-tax net operating income	$621,000	4,590
Securities gains (losses)	$13,000	2,250
Applicable income taxes	$209,000	2,866
Income before extraordinary items	$425,000	4,698
Extraordinary gains, net	$0	31
Net income	$425,000	4,696
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,347,000	746
Cash dividends	$600,000	2,477
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$416,290	4,896
2008-06-30 (YTD Data)		Rank
Total interest income	$5,061,000	3,615
Total interest expense	$1,695,000	4,163
Net interest income	$3,366,000	3,175
Provision for loan and lease losses	$2,420,000	687
Total noninterest income	$2,110,000	1,277
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$497,000	1,762
Trading account gains and fees	$0	149
Additional Noninterest Income	$1,613,000	990
Total noninterest expense	$2,982,000	3,075
Salaries and employee benefits	$1,892,000	2,695
Premises and equipment expense	$432,000	2,995
Additional noninterest expense	$658,000	3,886
Pre-tax net operating income	$74,000	6,545
Securities gains (losses)	$3,000	2,869
Applicable income taxes	$25,000	4,536
Income before extraordinary items	$52,000	6,684
Extraordinary gains, net	$0	21
Net income	$52,000	6,683
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,258,000	518
Cash dividends	$280,000	3,067
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$49,960	6,642
2008-03-31 (YTD Data)		Rank
Total interest income	$2,530,000	3,694
Total interest expense	$890,000	4,214
Net interest income	$1,640,000	3,251
Provision for loan and lease losses	$2,333,000	362
Total noninterest income	$1,617,000	905
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$251,000	1,724
Trading account gains and fees	$0	158
Additional Noninterest Income	$1,366,000	657
Total noninterest expense	$1,526,000	3,008
Salaries and employee benefits	$984,000	2,621
Premises and equipment expense	$221,000	2,965
Additional noninterest expense	$321,000	3,913
Pre-tax net operating income	$-602,000	8,146
Securities gains (losses)	$3,000	2,367
Applicable income taxes	$-198,000	8,259
Income before extraordinary items	$-401,000	8,080
Extraordinary gains, net	$0	15
Net income	$-401,000	8,079
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,230,000	273
Cash dividends	$280,000	1,961
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-403,010	8,061
2007-12-31 (YTD Data)		Rank
Total interest income	$9,834,000	3,806
Total interest expense	$3,542,000	4,309
Net interest income	$6,292,000	3,387
Provision for loan and lease losses	$299,000	3,215
Total noninterest income	$2,006,000	2,209
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$929,000	1,883
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,077,000	2,118
Total noninterest expense	$5,823,000	3,045
Salaries and employee benefits	$3,733,000	2,653
Premises and equipment expense	$820,000	3,017
Additional noninterest expense	$1,270,000	3,906
Pre-tax net operating income	$2,176,000	3,149
Securities gains (losses)	$-24,000	7,800
Applicable income taxes	$716,000	2,271
Income before extraordinary items	$1,436,000	3,544
Extraordinary gains, net	$0	39
Net income	$1,436,000	3,542
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$174,000	3,028
Cash dividends	$560,000	3,542
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,452,080	3,511
2007-09-30 (YTD Data)		Rank
Total interest income	$7,285,000	3,847
Total interest expense	$2,659,000	4,319
Net interest income	$4,626,000	3,444
Provision for loan and lease losses	$178,000	3,234
Total noninterest income	$1,604,000	2,118
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$662,000	1,950
Trading account gains and fees	$0	184
Additional Noninterest Income	$942,000	1,907
Total noninterest expense	$4,445,000	2,978
Salaries and employee benefits	$2,881,000	2,577
Premises and equipment expense	$629,000	2,951
Additional noninterest expense	$935,000	3,904
Pre-tax net operating income	$1,607,000	3,313
Securities gains (losses)	$-24,000	8,008
Applicable income taxes	$511,000	2,506
Income before extraordinary items	$1,072,000	3,722
Extraordinary gains, net	$0	33
Net income	$1,072,000	3,721
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	2,850
Cash dividends	$560,000	2,789
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,088,320	3,670
2007-06-30 (YTD Data)		Rank
Total interest income	$4,794,000	3,900
Total interest expense	$1,760,000	4,354
Net interest income	$3,034,000	3,501
Provision for loan and lease losses	$178,000	2,373
Total noninterest income	$1,112,000	2,075
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$423,000	2,014
Trading account gains and fees	$0	168
Additional Noninterest Income	$689,000	1,798
Total noninterest expense	$2,941,000	3,018
Salaries and employee benefits	$1,868,000	2,668
Premises and equipment expense	$418,000	2,990
Additional noninterest expense	$655,000	3,750
Pre-tax net operating income	$1,027,000	3,471
Securities gains (losses)	$-24,000	8,169
Applicable income taxes	$324,000	2,641
Income before extraordinary items	$679,000	3,890
Extraordinary gains, net	$0	29
Net income	$679,000	3,890
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	2,395
Cash dividends	$280,000	3,226
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$695,320	3,824
2007-03-31 (YTD Data)		Rank
Total interest income	$2,355,000	3,940
Total interest expense	$873,000	4,353
Net interest income	$1,482,000	3,567
Provision for loan and lease losses	$36,000	3,550
Total noninterest income	$577,000	2,010
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$200,000	2,050
Trading account gains and fees	$0	195
Additional Noninterest Income	$377,000	1,661
Total noninterest expense	$1,505,000	2,978
Salaries and employee benefits	$982,000	2,579
Premises and equipment expense	$201,000	3,103
Additional noninterest expense	$322,000	3,755
Pre-tax net operating income	$518,000	3,443
Securities gains (losses)	$-24,000	8,397
Applicable income taxes	$159,000	2,685
Income before extraordinary items	$335,000	3,927
Extraordinary gains, net	$0	22
Net income	$335,000	3,928
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$42,000	1,876
Cash dividends	$280,000	2,091
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$351,320	3,788
2006-12-31 (YTD Data)		Rank
Total interest income	$8,889,000	3,903
Total interest expense	$3,194,000	4,152
Net interest income	$5,695,000	3,654
Provision for loan and lease losses	$80,000	5,017
Total noninterest income	$1,822,000	2,371
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$856,000	2,003
Trading account gains and fees	$0	130
Additional Noninterest Income	$966,000	2,286
Total noninterest expense	$5,863,000	2,924
Salaries and employee benefits	$3,735,000	2,601
Premises and equipment expense	$790,000	3,041
Additional noninterest expense	$1,338,000	3,615
Pre-tax net operating income	$1,574,000	4,190
Securities gains (losses)	$-42,000	7,878
Applicable income taxes	$487,000	3,187
Income before extraordinary items	$1,045,000	4,614
Extraordinary gains, net	$0	51
Net income	$1,045,000	4,616
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$513,000	1,156
Cash dividends	$460,000	3,866
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,073,560	4,540
2006-09-30 (YTD Data)		Rank
Total interest income	$6,543,000	3,927
Total interest expense	$2,360,000	4,113
Net interest income	$4,183,000	3,735
Provision for loan and lease losses	$52,000	5,016
Total noninterest income	$1,378,000	2,367
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$650,000	1,972
Trading account gains and fees	$0	126
Additional Noninterest Income	$728,000	2,278
Total noninterest expense	$4,450,000	2,890
Salaries and employee benefits	$2,874,000	2,533
Premises and equipment expense	$591,000	3,049
Additional noninterest expense	$985,000	3,652
Pre-tax net operating income	$1,059,000	4,602
Securities gains (losses)	$-42,000	8,127
Applicable income taxes	$318,000	3,498
Income before extraordinary items	$699,000	5,007
Extraordinary gains, net	$0	45
Net income	$699,000	5,011
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$95,000	2,397
Cash dividends	$460,000	3,056
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$727,980	4,916
2006-06-30 (YTD Data)		Rank
Total interest income	$4,272,000	3,937
Total interest expense	$1,538,000	4,048
Net interest income	$2,734,000	3,802
Provision for loan and lease losses	$52,000	4,390
Total noninterest income	$875,000	2,444
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$427,000	1,984
Trading account gains and fees	$0	126
Additional Noninterest Income	$448,000	2,368
Total noninterest expense	$2,944,000	2,924
Salaries and employee benefits	$1,886,000	2,563
Premises and equipment expense	$394,000	3,038
Additional noninterest expense	$664,000	3,634
Pre-tax net operating income	$613,000	4,940
Securities gains (losses)	$0	1,185
Applicable income taxes	$191,000	3,673
Income before extraordinary items	$422,000	5,264
Extraordinary gains, net	$0	39
Net income	$422,000	5,268
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	2,703
Cash dividends	$180,000	3,814
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$422,000	5,265
2006-03-31 (YTD Data)		Rank
Total interest income	$2,102,000	3,920
Total interest expense	$749,000	3,998
Net interest income	$1,353,000	3,832
Provision for loan and lease losses	$0	6,013
Total noninterest income	$457,000	2,329
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$206,000	1,997
Trading account gains and fees	$0	115
Additional Noninterest Income	$251,000	2,187
Total noninterest expense	$1,482,000	2,905
Salaries and employee benefits	$973,000	2,507
Premises and equipment expense	$188,000	3,161
Additional noninterest expense	$321,000	3,687
Pre-tax net operating income	$328,000	4,745
Securities gains (losses)	$0	955
Applicable income taxes	$93,000	3,692
Income before extraordinary items	$235,000	4,982
Extraordinary gains, net	$0	21
Net income	$235,000	4,983
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	2,694
Cash dividends	$180,000	2,531
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$235,000	4,963
2005-12-31 (YTD Data)		Rank
Total interest income	$8,011,000	3,757
Total interest expense	$2,159,000	4,217
Net interest income	$5,852,000	3,496
Provision for loan and lease losses	$319,000	2,708
Total noninterest income	$1,903,000	2,302
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$970,000	1,776
Trading account gains and fees	$0	138
Additional Noninterest Income	$933,000	2,313
Total noninterest expense	$6,329,000	2,615
Salaries and employee benefits	$3,683,000	2,484
Premises and equipment expense	$863,000	2,691
Additional noninterest expense	$1,783,000	2,779
Pre-tax net operating income	$1,107,000	5,084
Securities gains (losses)	$-44,000	8,135
Applicable income taxes	$389,000	3,738
Income before extraordinary items	$674,000	5,745
Extraordinary gains, net	$0	46
Net income	$674,000	5,749
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$389,000	1,441
Cash dividends	$460,000	3,791
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$702,160	5,642
2005-09-30 (YTD Data)		Rank
Total interest income	$5,974,000	3,725
Total interest expense	$1,519,000	4,248
Net interest income	$4,455,000	3,445
Provision for loan and lease losses	$319,000	2,087
Total noninterest income	$1,471,000	2,242
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$742,000	1,738
Trading account gains and fees	$0	126
Additional Noninterest Income	$729,000	2,256
Total noninterest expense	$4,784,000	2,574
Salaries and employee benefits	$2,809,000	2,391
Premises and equipment expense	$643,000	2,698
Additional noninterest expense	$1,332,000	2,763
Pre-tax net operating income	$823,000	5,269
Securities gains (losses)	$-44,000	8,431
Applicable income taxes	$344,000	3,556
Income before extraordinary items	$435,000	6,195
Extraordinary gains, net	$0	35
Net income	$435,000	6,199
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$230,000	1,529
Cash dividends	$460,000	2,937
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$463,160	6,028
2005-06-30 (YTD Data)		Rank
Total interest income	$3,978,000	3,645
Total interest expense	$941,000	4,309
Net interest income	$3,037,000	3,375
Provision for loan and lease losses	$65,000	4,019
Total noninterest income	$1,023,000	2,142
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$496,000	1,697
Trading account gains and fees	$0	116
Additional Noninterest Income	$527,000	2,109
Total noninterest expense	$2,998,000	2,694
Salaries and employee benefits	$1,837,000	2,429
Premises and equipment expense	$421,000	2,711
Additional noninterest expense	$740,000	3,218
Pre-tax net operating income	$997,000	3,719
Securities gains (losses)	$-44,000	8,561
Applicable income taxes	$322,000	2,981
Income before extraordinary items	$631,000	4,286
Extraordinary gains, net	$0	30
Net income	$631,000	4,288
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$76,000	2,223
Cash dividends	$280,000	3,079
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$660,040	4,105
2005-03-31 (YTD Data)		Rank
Total interest income	$1,970,000	3,645
Total interest expense	$442,000	4,381
Net interest income	$1,528,000	3,358
Provision for loan and lease losses	$9,000	5,480
Total noninterest income	$540,000	2,029
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$246,000	1,664
Trading account gains and fees	$0	115
Additional Noninterest Income	$294,000	1,913
Total noninterest expense	$1,533,000	2,650
Salaries and employee benefits	$949,000	2,390
Premises and equipment expense	$210,000	2,749
Additional noninterest expense	$374,000	3,193
Pre-tax net operating income	$526,000	3,542
Securities gains (losses)	$0	1,685
Applicable income taxes	$181,000	2,760
Income before extraordinary items	$345,000	3,989
Extraordinary gains, net	$0	24
Net income	$345,000	3,991
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	2,991
Cash dividends	$280,000	1,844
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$345,000	3,943
2004-12-31 (YTD Data)		Rank
Total interest income	$7,757,000	3,495
Total interest expense	$1,835,000	3,911
Net interest income	$5,922,000	3,325
Provision for loan and lease losses	$768,000	1,331
Total noninterest income	$1,567,000	2,609
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$936,000	1,872
Trading account gains and fees	$0	138
Additional Noninterest Income	$631,000	2,893
Total noninterest expense	$6,217,000	2,552
Salaries and employee benefits	$3,734,000	2,326
Premises and equipment expense	$896,000	2,530
Additional noninterest expense	$1,587,000	2,990
Pre-tax net operating income	$504,000	6,704
Securities gains (losses)	$81,000	1,389
Applicable income taxes	$144,000	5,152
Income before extraordinary items	$441,000	6,590
Extraordinary gains, net	$0	34
Net income	$441,000	6,593
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$521,000	1,293
Cash dividends	$560,000	3,348
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$380,250	6,815
2004-09-30 (YTD Data)		Rank
Total interest income	$5,866,000	3,454
Total interest expense	$1,422,000	3,765
Net interest income	$4,444,000	3,309
Provision for loan and lease losses	$483,000	1,491
Total noninterest income	$1,063,000	2,801
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$669,000	1,963
Trading account gains and fees	$0	134
Additional Noninterest Income	$394,000	3,224
Total noninterest expense	$4,565,000	2,568
Salaries and employee benefits	$2,827,000	2,293
Premises and equipment expense	$663,000	2,551
Additional noninterest expense	$1,075,000	3,218
Pre-tax net operating income	$459,000	6,506
Securities gains (losses)	$81,000	1,320
Applicable income taxes	$149,000	4,859
Income before extraordinary items	$391,000	6,387
Extraordinary gains, net	$0	26
Net income	$391,000	6,387
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$412,000	1,136
Cash dividends	$560,000	2,518
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$332,680	6,638
2004-06-30 (YTD Data)		Rank
Total interest income	$3,945,000	3,418
Total interest expense	$952,000	3,756
Net interest income	$2,993,000	3,278
Provision for loan and lease losses	$362,000	1,332
Total noninterest income	$554,000	3,345
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$420,000	2,058
Trading account gains and fees	$0	130
Additional Noninterest Income	$134,000	4,528
Total noninterest expense	$2,936,000	2,669
Salaries and employee benefits	$1,779,000	2,412
Premises and equipment expense	$423,000	2,658
Additional noninterest expense	$734,000	3,174
Pre-tax net operating income	$249,000	6,832
Securities gains (losses)	$58,000	1,362
Applicable income taxes	$80,000	5,115
Income before extraordinary items	$227,000	6,655
Extraordinary gains, net	$0	21
Net income	$227,000	6,655
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$377,000	879
Cash dividends	$280,000	2,995
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$184,080	6,963
2004-03-31 (YTD Data)		Rank
Total interest income	$1,941,000	3,466
Total interest expense	$480,000	3,763
Net interest income	$1,461,000	3,332
Provision for loan and lease losses	$140,000	1,616
Total noninterest income	$379,000	2,630
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$200,000	2,085
Trading account gains and fees	$0	121
Additional Noninterest Income	$179,000	2,651
Total noninterest expense	$1,560,000	2,548
Salaries and employee benefits	$993,000	2,212
Premises and equipment expense	$209,000	2,694
Additional noninterest expense	$358,000	3,224
Pre-tax net operating income	$140,000	6,574
Securities gains (losses)	$0	2,934
Applicable income taxes	$34,000	5,263
Income before extraordinary items	$106,000	6,771
Extraordinary gains, net	$0	16
Net income	$106,000	6,773
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$171,000	910
Cash dividends	$280,000	1,820
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$106,000	6,655
2003-12-31 (YTD Data)		Rank
Total interest income	$7,913,000	3,477
Total interest expense	$2,223,000	3,676
Net interest income	$5,690,000	3,321
Provision for loan and lease losses	$513,000	2,123
Total noninterest income	$2,637,000	1,866
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$795,000	2,136
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,842,000	1,561
Total noninterest expense	$6,763,000	2,322
Salaries and employee benefits	$4,105,000	2,073
Premises and equipment expense	$917,000	2,437
Additional noninterest expense	$1,741,000	2,704
Pre-tax net operating income	$1,051,000	5,042
Securities gains (losses)	$157,000	1,525
Applicable income taxes	$335,000	4,114
Income before extraordinary items	$873,000	5,011
Extraordinary gains, net	$0	54
Net income	$873,000	5,011
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$685,000	1,250
Cash dividends	$640,000	3,094
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$759,960	5,222
2003-09-30 (YTD Data)		Rank
Total interest income	$5,932,000	3,524
Total interest expense	$1,721,000	3,688
Net interest income	$4,211,000	3,379
Provision for loan and lease losses	$429,000	1,930
Total noninterest income	$2,085,000	1,843
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$585,000	2,180
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,500,000	1,532
Total noninterest expense	$5,036,000	2,345
Salaries and employee benefits	$3,224,000	2,000
Premises and equipment expense	$673,000	2,509
Additional noninterest expense	$1,139,000	3,033
Pre-tax net operating income	$831,000	5,027
Securities gains (losses)	$157,000	1,387
Applicable income taxes	$272,000	4,105
Income before extraordinary items	$716,000	4,938
Extraordinary gains, net	$0	40
Net income	$716,000	4,938
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$626,000	990
Cash dividends	$640,000	2,296
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$602,960	5,199
2003-06-30 (YTD Data)		Rank
Total interest income	$3,971,000	3,543
Total interest expense	$1,196,000	3,674
Net interest income	$2,775,000	3,404
Provision for loan and lease losses	$397,000	1,421
Total noninterest income	$2,024,000	1,358
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$383,000	2,169
Trading account gains and fees	$0	150
Additional Noninterest Income	$1,641,000	1,060
Total noninterest expense	$3,214,000	2,447
Salaries and employee benefits	$2,080,000	2,039
Premises and equipment expense	$417,000	2,671
Additional noninterest expense	$717,000	3,162
Pre-tax net operating income	$1,188,000	3,105
Securities gains (losses)	$38,000	2,204
Applicable income taxes	$423,000	2,586
Income before extraordinary items	$803,000	3,506
Extraordinary gains, net	$0	30
Net income	$803,000	3,506
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$552,000	798
Cash dividends	$360,000	2,611
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$778,300	3,385
2003-03-31 (YTD Data)		Rank
Total interest income	$1,951,000	3,600
Total interest expense	$617,000	3,663
Net interest income	$1,334,000	3,505
Provision for loan and lease losses	$383,000	761
Total noninterest income	$941,000	1,395
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$192,000	2,085
Trading account gains and fees	$0	134
Additional Noninterest Income	$749,000	1,106
Total noninterest expense	$1,507,000	2,570
Salaries and employee benefits	$960,000	2,196
Premises and equipment expense	$202,000	2,737
Additional noninterest expense	$345,000	3,233
Pre-tax net operating income	$385,000	4,123
Securities gains (losses)	$38,000	1,549
Applicable income taxes	$138,000	3,370
Income before extraordinary items	$285,000	4,382
Extraordinary gains, net	$0	21
Net income	$285,000	4,380
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$517,000	487
Cash dividends	$360,000	1,565
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$259,540	4,413
2002-12-31 (YTD Data)		Rank
Total interest income	$8,958,000	3,310
Total interest expense	$2,838,000	3,690
Net interest income	$6,120,000	3,096
Provision for loan and lease losses	$384,000	2,933
Total noninterest income	$2,552,000	1,775
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$871,000	1,854
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,681,000	1,506
Total noninterest expense	$5,774,000	2,560
Salaries and employee benefits	$3,434,000	2,320
Premises and equipment expense	$691,000	3,034
Additional noninterest expense	$1,649,000	2,739
Pre-tax net operating income	$2,514,000	2,871
Securities gains (losses)	$10,000	3,604
Applicable income taxes	$862,000	2,467
Income before extraordinary items	$1,662,000	3,241
Extraordinary gains, net	$0	70
Net income	$1,662,000	3,241
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$155,000	3,452
Cash dividends	$3,440,000	834
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,655,400	3,149
2001-12-31 (YTD Data)		Rank
Total interest income	$9,115,000	3,603
Total interest expense	$3,957,000	3,835
Net interest income	$5,158,000	3,357
Provision for loan and lease losses	$190,000	4,243
Total noninterest income	$2,417,000	1,724
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$815,000	1,870
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,602,000	1,447
Total noninterest expense	$5,195,000	2,735
Salaries and employee benefits	$2,850,000	2,634
Premises and equipment expense	$634,000	3,217
Additional noninterest expense	$1,711,000	2,579
Pre-tax net operating income	$2,190,000	2,969
Securities gains (losses)	$39,000	2,590
Applicable income taxes	$743,000	2,564
Income before extraordinary items	$1,486,000	3,245
Extraordinary gains, net	$0	105
Net income	$1,486,000	3,250
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$121,000	3,754
Cash dividends	$492,000	3,511
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,459,870	3,183
2000-12-31 (YTD Data)		Rank
Total interest income	$8,602,000	3,897
Total interest expense	$4,067,000	3,916
Net interest income	$4,535,000	3,766
Provision for loan and lease losses	$83,000	5,704
Total noninterest income	$1,651,000	2,182
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$680,000	2,043
Trading account gains and fees	$0	180
Additional Noninterest Income	$971,000	1,893
Total noninterest expense	$5,167,000	2,637
Salaries and employee benefits	$2,668,000	2,664
Premises and equipment expense	$562,000	3,453
Additional noninterest expense	$1,937,000	2,235
Pre-tax net operating income	$936,000	5,433
Securities gains (losses)	$-87,000	9,382
Applicable income taxes	$235,000	5,093
Income before extraordinary items	$614,000	5,774
Extraordinary gains, net	$0	38
Net income	$614,000	5,772
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,000	3,434
Cash dividends	$590,000	3,266
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$676,640	5,508
1999-12-31 (YTD Data)		Rank
Total interest income	$7,953,000	3,923
Total interest expense	$3,474,000	4,073
Net interest income	$4,479,000	3,798
Provision for loan and lease losses	$113,000	4,987
Total noninterest income	$1,572,000	2,229
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$569,000	2,347
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,003,000	1,861
Total noninterest expense	$4,623,000	2,917
Salaries and employee benefits	$2,427,000	2,885
Premises and equipment expense	$481,000	3,897
Additional noninterest expense	$1,715,000	2,524
Pre-tax net operating income	$1,315,000	4,482
Securities gains (losses)	$-5,000	9,083
Applicable income taxes	$289,000	4,900
Income before extraordinary items	$1,021,000	4,365
Extraordinary gains, net	$0	35
Net income	$1,021,000	4,367
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$197,000	2,419
Cash dividends	$628,000	3,063
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,024,900	4,320
1998-12-31 (YTD Data)		Rank
Total interest income	$8,180,000	3,862
Total interest expense	$3,655,000	3,973
Net interest income	$4,525,000	3,715
Provision for loan and lease losses	$324,000	2,448
Total noninterest income	$2,018,000	1,818
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$589,000	2,188
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,429,000	1,449
Total noninterest expense	$4,399,000	2,951
Salaries and employee benefits	$2,277,000	2,959
Premises and equipment expense	$426,000	4,209
Additional noninterest expense	$1,696,000	2,454
Pre-tax net operating income	$1,820,000	3,596
Securities gains (losses)	$3,000	3,720
Applicable income taxes	$589,000	3,451
Income before extraordinary items	$1,234,000	3,841
Extraordinary gains, net	$0	32
Net income	$1,234,000	3,839
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$146,000	2,964
Cash dividends	$800,000	2,583
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,231,960	3,757
1997-12-31 (YTD Data)		Rank
Total interest income	$7,973,000	3,980
Total interest expense	$3,557,000	4,087
Net interest income	$4,416,000	3,866
Provision for loan and lease losses	$128,000	4,489
Total noninterest income	$1,533,000	2,160
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$592,000	2,218
Trading account gains and fees	$0	239
Additional Noninterest Income	$941,000	1,817
Total noninterest expense	$4,001,000	3,179
Salaries and employee benefits	$2,231,000	2,972
Premises and equipment expense	$377,000	4,644
Additional noninterest expense	$1,393,000	2,928
Pre-tax net operating income	$1,820,000	3,827
Securities gains (losses)	$15,000	2,081
Applicable income taxes	$572,000	3,822
Income before extraordinary items	$1,263,000	3,888
Extraordinary gains, net	$0	44
Net income	$1,263,000	3,887
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$128,000	3,318
Cash dividends	$300,000	4,516
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,252,650	3,845
1996-12-31 (YTD Data)		Rank
Total interest income	$7,958,000	4,056
Total interest expense	$3,601,000	4,083
Net interest income	$4,357,000	3,992
Provision for loan and lease losses	$152,000	4,030
Total noninterest income	$1,615,000	2,171
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$589,000	2,306
Trading account gains and fees	$0	262
Additional Noninterest Income	$1,026,000	1,787
Total noninterest expense	$4,013,000	3,339
Salaries and employee benefits	$2,325,000	2,878
Premises and equipment expense	$335,000	5,166
Additional noninterest expense	$1,353,000	3,408
Pre-tax net operating income	$1,807,000	3,708
Securities gains (losses)	$1,000	3,760
Applicable income taxes	$534,000	3,939
Income before extraordinary items	$1,274,000	3,681
Extraordinary gains, net	$0	53
Net income	$1,274,000	3,680
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$134,000	3,379
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,273,300	3,629
1995-12-31 (YTD Data)		Rank
Total interest income	$7,653,000	4,179
Total interest expense	$3,684,000	3,971
Net interest income	$3,969,000	4,340
Provision for loan and lease losses	$5,000	8,671
Total noninterest income	$1,642,000	2,145
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$556,000	2,429
Trading account gains and fees	$0	522
Additional Noninterest Income	$1,086,000	1,705
Total noninterest expense	$4,180,000	3,192
Salaries and employee benefits	$2,400,000	2,784
Premises and equipment expense	$347,000	5,054
Additional noninterest expense	$1,433,000	3,210
Pre-tax net operating income	$1,426,000	4,631
Securities gains (losses)	$-120,000	11,558
Applicable income taxes	$387,000	5,060
Income before extraordinary items	$919,000	4,909
Extraordinary gains, net	$329,000	7
Net income	$1,248,000	3,825
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,856
Cash dividends	$200,000	5,441
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,003,000	4,581
1994-12-31 (YTD Data)		Rank
Total interest income	$7,383,000	4,025
Total interest expense	$3,104,000	3,840
Net interest income	$4,279,000	4,107
Provision for loan and lease losses	$68,000	5,388
Total noninterest income	$1,644,000	2,134
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$538,000	2,540
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,106,000	1,724
Total noninterest expense	$4,106,000	3,344
Salaries and employee benefits	$2,216,000	2,987
Premises and equipment expense	$346,000	5,121
Additional noninterest expense	$1,544,000	3,213
Pre-tax net operating income	$1,749,000	3,846
Securities gains (losses)	$0	3,600
Applicable income taxes	$538,000	3,831
Income before extraordinary items	$1,211,000	3,821
Extraordinary gains, net	$0	249
Net income	$1,211,000	3,827
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	5,113
Cash dividends	$200,000	5,405
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,211,000	3,849
1993-12-31 (YTD Data)		Rank
Total interest income	$7,575,000	4,018
Total interest expense	$3,008,000	4,104
Net interest income	$4,567,000	3,876
Provision for loan and lease losses	$35,000	8,215
Total noninterest income	$1,281,000	2,769
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$522,000	2,668
Trading account gains and fees	NA	NA
Additional Noninterest Income	$759,000	2,462
Total noninterest expense	$3,952,000	3,530
Salaries and employee benefits	$2,129,000	3,081
Premises and equipment expense	$342,000	5,325
Additional noninterest expense	$1,481,000	3,543
Pre-tax net operating income	$1,861,000	3,564
Securities gains (losses)	$0	7,477
Applicable income taxes	$604,000	3,585
Income before extraordinary items	$1,257,000	3,835
Extraordinary gains, net	$-90,000	12,892
Net income	$1,167,000	4,234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-35,000	12,449
Cash dividends	$200,000	5,372
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,257,000	3,632
1992-12-31 (YTD Data)		Rank
Total interest income	$7,873,000	4,348
Total interest expense	$3,699,000	4,359
Net interest income	$4,174,000	4,280
Provision for loan and lease losses	$79,000	7,959
Total noninterest income	$1,168,000	2,922
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$513,000	2,693
Trading account gains and fees	NA	NA
Additional Noninterest Income	$655,000	2,666
Total noninterest expense	$3,414,000	4,021
Salaries and employee benefits	$1,629,000	3,931
Premises and equipment expense	$286,000	6,184
Additional noninterest expense	$1,499,000	3,602
Pre-tax net operating income	$1,849,000	3,343
Securities gains (losses)	$0	8,369
Applicable income taxes	$597,000	3,450
Income before extraordinary items	$1,252,000	3,666
Extraordinary gains, net	$0	1,422
Net income	$1,252,000	3,709
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$89,000	6,201
Cash dividends	$200,000	4,982
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,252,000	3,394

* 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.