Home > Merchants State Bank > Income and Expense

Merchants State Bank, Income and Expense

Basic Info Reviews History Routing Number Locations

2023-12-31 (YTD Data)		Rank
Total interest income	$10,579,000	2,751
Total interest expense	$2,957,000	2,634
Net interest income	$7,622,000	2,770
Provision for loan and lease losses	$25,000	3,002
Total noninterest income	$611,000	3,244
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$176,000	2,822
Trading account gains and fees	NA	NA
Additional Noninterest Income	$435,000	3,098
Total noninterest expense	$4,777,000	3,121
Salaries and employee benefits	$3,312,000	2,801
Premises and equipment expense	$811,000	2,286
Additional noninterest expense	$435,000	3,098
Pre-tax net operating income	$3,431,000	2,353
Securities gains (losses)	$-49,000	3,643
Applicable income taxes	$184,000	2,487
Income before extraordinary items	$3,198,000	2,253
Extraordinary gains, net	$0	54
Net income	$3,198,000	2,277
Minority interest net income	$0	88
Net income of bank and minority interests.	$3,198,000	2,256
Net charge-offs	$-7,000	3,780
Cash dividends	$975,000	2,215
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$3,244,550	2,261
2023-09-30 (YTD Data)		Rank
Total interest income	$7,759,000	2,765
Total interest expense	$1,978,000	2,660
Net interest income	$5,781,000	2,764
Provision for loan and lease losses	$0	3,085
Total noninterest income	$517,000	3,134
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$128,000	2,863
Trading account gains and fees	NA	NA
Additional Noninterest Income	$389,000	2,924
Total noninterest expense	$3,392,000	3,173
Salaries and employee benefits	$2,277,000	2,908
Premises and equipment expense	$640,000	2,223
Additional noninterest expense	$389,000	2,923
Pre-tax net operating income	$2,906,000	2,266
Securities gains (losses)	$-38,000	3,758
Applicable income taxes	$149,000	2,495
Income before extraordinary items	$2,719,000	2,165
Extraordinary gains, net	$0	52
Net income	$2,719,000	2,186
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,719,000	2,167
Net charge-offs	$-24,000	4,039
Cash dividends	$975,000	1,714
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$2,755,100	2,171
2023-06-30 (YTD Data)		Rank
Total interest income	$5,077,000	2,761
Total interest expense	$1,169,000	2,655
Net interest income	$3,908,000	2,766
Provision for loan and lease losses	$0	2,940
Total noninterest income	$422,000	2,899
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$79,000	2,942
Trading account gains and fees	NA	NA
Additional Noninterest Income	$343,000	2,620
Total noninterest expense	$2,346,000	3,128
Salaries and employee benefits	$1,538,000	2,904
Premises and equipment expense	$466,000	2,100
Additional noninterest expense	$343,000	2,615
Pre-tax net operating income	$1,984,000	2,260
Securities gains (losses)	$-25,000	3,945
Applicable income taxes	$364,000	1,714
Income before extraordinary items	$1,595,000	2,337
Extraordinary gains, net	$0	51
Net income	$1,595,000	2,364
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,595,000	2,337
Net charge-offs	$-20,000	4,114
Cash dividends	$660,000	1,724
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$1,615,250	2,331
2023-03-31 (YTD Data)		Rank
Total interest income	$2,421,000	2,817
Total interest expense	$490,000	2,662
Net interest income	$1,931,000	2,792
Provision for loan and lease losses	$0	2,612
Total noninterest income	$101,000	3,588
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$36,000	3,063
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	3,506
Total noninterest expense	$1,211,000	3,123
Salaries and employee benefits	$772,000	2,937
Premises and equipment expense	$267,000	1,969
Additional noninterest expense	$65,000	3,506
Pre-tax net operating income	$821,000	2,543
Securities gains (losses)	$-12,000	4,052
Applicable income taxes	$106,000	2,098
Income before extraordinary items	$703,000	2,526
Extraordinary gains, net	$0	4
Net income	$703,000	2,527
Minority interest net income	$0	48
Net income of bank and minority interests.	$703,000	2,526
Net charge-offs	$-21,000	4,245
Cash dividends	$310,000	1,558
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$713,440	2,533
2022-12-31 (YTD Data)		Rank
Total interest income	$8,371,000	2,783
Total interest expense	$988,000	2,435
Net interest income	$7,383,000	2,796
Provision for loan and lease losses	$0	3,012
Total noninterest income	$778,000	3,081
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$160,000	2,988
Trading account gains and fees	NA	NA
Additional Noninterest Income	$618,000	2,835
Total noninterest expense	$4,536,000	3,181
Salaries and employee benefits	$3,164,000	2,865
Premises and equipment expense	$558,000	2,834
Additional noninterest expense	$618,000	2,835
Pre-tax net operating income	$3,625,000	2,425
Securities gains (losses)	$-95,000	3,887
Applicable income taxes	$177,000	2,696
Income before extraordinary items	$3,353,000	2,316
Extraordinary gains, net	$0	5
Net income	$3,353,000	2,315
Minority interest net income	$0	63
Net income of bank and minority interests.	$3,353,000	2,315
Net charge-offs	$259,000	824
Cash dividends	$1,055,000	2,087
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$3,443,250	2,315
2022-09-30 (YTD Data)		Rank
Total interest income	$6,012,000	2,800
Total interest expense	$676,000	2,239
Net interest income	$5,336,000	2,831
Provision for loan and lease losses	$0	2,835
Total noninterest income	$706,000	2,913
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$124,000	2,984
Trading account gains and fees	NA	NA
Additional Noninterest Income	$582,000	2,632
Total noninterest expense	$3,229,000	3,242
Salaries and employee benefits	$2,153,000	2,996
Premises and equipment expense	$442,000	2,738
Additional noninterest expense	$582,000	2,632
Pre-tax net operating income	$2,813,000	2,364
Securities gains (losses)	$-81,000	4,177
Applicable income taxes	$145,000	2,661
Income before extraordinary items	$2,587,000	2,264
Extraordinary gains, net	$0	4
Net income	$2,587,000	2,263
Minority interest net income	$0	57
Net income of bank and minority interests.	$2,587,000	2,263
Net charge-offs	$89,000	979
Cash dividends	$1,055,000	1,619
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$2,663,950	2,256
2022-06-30 (YTD Data)		Rank
Total interest income	$3,793,000	2,837
Total interest expense	$460,000	2,063
Net interest income	$3,333,000	2,905
Provision for loan and lease losses	$0	2,599
Total noninterest income	$595,000	2,628
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$82,000	3,005
Trading account gains and fees	NA	NA
Additional Noninterest Income	$513,000	2,362
Total noninterest expense	$2,170,000	3,227
Salaries and employee benefits	$1,421,000	3,018
Premises and equipment expense	$284,000	2,818
Additional noninterest expense	$465,000	3,737
Pre-tax net operating income	$1,758,000	2,365
Securities gains (losses)	$-62,000	4,284
Applicable income taxes	$91,000	2,620
Income before extraordinary items	$1,605,000	2,254
Extraordinary gains, net	$0	4
Net income	$1,605,000	2,255
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,605,000	2,254
Net charge-offs	$86,000	780
Cash dividends	$735,000	1,575
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,663,900	2,250
2022-03-31 (YTD Data)		Rank
Total interest income	$1,816,000	2,868
Total interest expense	$236,000	1,989
Net interest income	$1,580,000	2,943
Provision for loan and lease losses	$0	2,285
Total noninterest income	$120,000	3,556
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$38,000	3,053
Trading account gains and fees	NA	NA
Additional Noninterest Income	$82,000	3,469
Total noninterest expense	$1,083,000	3,246
Salaries and employee benefits	$710,000	3,016
Premises and equipment expense	$148,000	2,764
Additional noninterest expense	$225,000	3,775
Pre-tax net operating income	$617,000	2,687
Securities gains (losses)	$-31,000	4,391
Applicable income taxes	$37,000	2,656
Income before extraordinary items	$549,000	2,652
Extraordinary gains, net	$0	4
Net income	$549,000	2,649
Minority interest net income	$0	50
Net income of bank and minority interests.	$549,000	2,652
Net charge-offs	$86,000	525
Cash dividends	$310,000	1,470
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$578,140	2,606
2021-12-31 (YTD Data)		Rank
Total interest income	$8,234,000	2,762
Total interest expense	$1,238,000	1,910
Net interest income	$6,996,000	2,849
Provision for loan and lease losses	$75,000	2,339
Total noninterest income	$492,000	3,665
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$142,000	3,076
Trading account gains and fees	NA	NA
Additional Noninterest Income	$350,000	3,599
Total noninterest expense	$4,341,000	3,246
Salaries and employee benefits	$3,138,000	2,867
Premises and equipment expense	$558,000	2,855
Additional noninterest expense	$645,000	4,158
Pre-tax net operating income	$3,072,000	2,662
Securities gains (losses)	$-175,000	4,707
Applicable income taxes	$147,000	2,877
Income before extraordinary items	$2,750,000	2,650
Extraordinary gains, net	$0	10
Net income	$2,750,000	2,651
Minority interest net income	$0	74
Net income of bank and minority interests.	$2,750,000	2,651
Net charge-offs	$167,000	1,110
Cash dividends	$795,000	2,439
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$2,916,250	2,559
2021-09-30 (YTD Data)		Rank
Total interest income	$6,427,000	2,752
Total interest expense	$962,000	1,941
Net interest income	$5,465,000	2,846
Provision for loan and lease losses	$75,000	2,140
Total noninterest income	$374,000	3,695
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$104,000	3,114
Trading account gains and fees	NA	NA
Additional Noninterest Income	$270,000	3,617
Total noninterest expense	$3,023,000	3,364
Salaries and employee benefits	$2,129,000	3,027
Premises and equipment expense	$425,000	2,845
Additional noninterest expense	$469,000	4,244
Pre-tax net operating income	$2,741,000	2,550
Securities gains (losses)	$-122,000	4,813
Applicable income taxes	$138,000	2,767
Income before extraordinary items	$2,481,000	2,520
Extraordinary gains, net	$0	8
Net income	$2,481,000	2,520
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,481,000	2,520
Net charge-offs	$67,000	1,247
Cash dividends	$795,000	1,940
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$2,596,900	2,433
2021-06-30 (YTD Data)		Rank
Total interest income	$4,301,000	2,752
Total interest expense	$665,000	1,964
Net interest income	$3,636,000	2,842
Provision for loan and lease losses	$75,000	1,864
Total noninterest income	$253,000	3,689
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$65,000	3,144
Trading account gains and fees	NA	NA
Additional Noninterest Income	$188,000	3,584
Total noninterest expense	$2,046,000	3,332
Salaries and employee benefits	$1,427,000	3,024
Premises and equipment expense	$305,000	2,718
Additional noninterest expense	$314,000	4,255
Pre-tax net operating income	$1,768,000	2,572
Securities gains (losses)	$-72,000	4,839
Applicable income taxes	$92,000	2,773
Income before extraordinary items	$1,604,000	2,535
Extraordinary gains, net	$0	6
Net income	$1,604,000	2,535
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,604,000	2,535
Net charge-offs	$67,000	1,062
Cash dividends	$665,000	1,707
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,672,400	2,441
2021-03-31 (YTD Data)		Rank
Total interest income	$1,923,000	2,932
Total interest expense	$347,000	1,976
Net interest income	$1,576,000	3,036
Provision for loan and lease losses	$0	2,741
Total noninterest income	$135,000	3,622
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$32,000	3,152
Trading account gains and fees	NA	NA
Additional Noninterest Income	$103,000	3,476
Total noninterest expense	$1,033,000	3,316
Salaries and employee benefits	$722,000	2,993
Premises and equipment expense	$145,000	2,828
Additional noninterest expense	$166,000	4,202
Pre-tax net operating income	$678,000	2,876
Securities gains (losses)	$-30,000	4,776
Applicable income taxes	$40,000	2,785
Income before extraordinary items	$608,000	2,885
Extraordinary gains, net	$0	3
Net income	$608,000	2,884
Minority interest net income	$0	55
Net income of bank and minority interests.	$608,000	2,885
Net charge-offs	$0	1,930
Cash dividends	$350,000	1,447
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$636,200	2,787
2020-12-31 (YTD Data)		Rank
Total interest income	$8,641,000	2,748
Total interest expense	$1,613,000	2,268
Net interest income	$7,028,000	2,815
Provision for loan and lease losses	$150,000	3,250
Total noninterest income	$452,000	3,709
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$160,000	3,030
Trading account gains and fees	NA	NA
Additional Noninterest Income	$292,000	3,661
Total noninterest expense	$4,004,000	3,365
Salaries and employee benefits	$2,868,000	3,014
Premises and equipment expense	$539,000	2,920
Additional noninterest expense	$597,000	4,309
Pre-tax net operating income	$3,326,000	2,308
Securities gains (losses)	$-23,000	4,882
Applicable income taxes	$163,000	2,677
Income before extraordinary items	$3,140,000	2,244
Extraordinary gains, net	$0	4
Net income	$3,140,000	2,244
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,140,000	2,244
Net charge-offs	$29,000	2,667
Cash dividends	$785,000	2,444
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$3,161,850	2,175
2020-09-30 (YTD Data)		Rank
Total interest income	$6,378,000	2,793
Total interest expense	$1,251,000	2,326
Net interest income	$5,127,000	2,854
Provision for loan and lease losses	$150,000	2,982
Total noninterest income	$342,000	3,691
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$123,000	3,016
Trading account gains and fees	NA	NA
Additional Noninterest Income	$219,000	3,636
Total noninterest expense	$2,730,000	3,510
Salaries and employee benefits	$1,921,000	3,158
Premises and equipment expense	$401,000	2,948
Additional noninterest expense	$408,000	4,401
Pre-tax net operating income	$2,589,000	2,241
Securities gains (losses)	$-8,000	4,753
Applicable income taxes	$134,000	2,631
Income before extraordinary items	$2,447,000	2,179
Extraordinary gains, net	$0	4
Net income	$2,447,000	2,179
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,447,000	2,179
Net charge-offs	$-11,000	4,273
Cash dividends	$785,000	1,932
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,454,600	2,113
2020-06-30 (YTD Data)		Rank
Total interest income	$4,308,000	2,809
Total interest expense	$865,000	2,378
Net interest income	$3,443,000	2,865
Provision for loan and lease losses	$150,000	2,632
Total noninterest income	$225,000	3,703
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$84,000	3,024
Trading account gains and fees	NA	NA
Additional Noninterest Income	$141,000	3,638
Total noninterest expense	$1,840,000	3,504
Salaries and employee benefits	$1,280,000	3,173
Premises and equipment expense	$279,000	2,882
Additional noninterest expense	$281,000	4,394
Pre-tax net operating income	$1,678,000	2,250
Securities gains (losses)	$-2,000	4,677
Applicable income taxes	$88,000	2,611
Income before extraordinary items	$1,588,000	2,162
Extraordinary gains, net	$0	4
Net income	$1,588,000	2,162
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,588,000	2,162
Net charge-offs	$71,000	1,531
Cash dividends	$525,000	1,907
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,589,900	2,117
2020-03-31 (YTD Data)		Rank
Total interest income	$2,189,000	2,778
Total interest expense	$443,000	2,482
Net interest income	$1,746,000	2,816
Provision for loan and lease losses	$75,000	2,175
Total noninterest income	$122,000	3,603
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$52,000	3,015
Trading account gains and fees	NA	NA
Additional Noninterest Income	$70,000	3,565
Total noninterest expense	$948,000	3,489
Salaries and employee benefits	$660,000	3,148
Premises and equipment expense	$135,000	2,962
Additional noninterest expense	$153,000	4,357
Pre-tax net operating income	$845,000	2,080
Securities gains (losses)	$-1,000	4,671
Applicable income taxes	$48,000	2,435
Income before extraordinary items	$796,000	1,990
Extraordinary gains, net	$0	4
Net income	$796,000	1,990
Minority interest net income	$0	56
Net income of bank and minority interests.	$796,000	1,990
Net charge-offs	$71,000	1,040
Cash dividends	$300,000	1,635
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$796,940	1,952
2019-12-31 (YTD Data)		Rank
Total interest income	$8,798,000	2,813
Total interest expense	$1,754,000	2,548
Net interest income	$7,044,000	2,829
Provision for loan and lease losses	$300,000	1,946
Total noninterest income	$527,000	3,616
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$238,000	2,938
Trading account gains and fees	NA	NA
Additional Noninterest Income	$289,000	3,622
Total noninterest expense	$4,107,000	3,372
Salaries and employee benefits	$2,852,000	3,026
Premises and equipment expense	$504,000	3,082
Additional noninterest expense	$751,000	4,186
Pre-tax net operating income	$3,164,000	2,378
Securities gains (losses)	$-7,000	4,752
Applicable income taxes	$157,000	2,776
Income before extraordinary items	$3,000,000	2,297
Extraordinary gains, net	$0	11
Net income	$3,000,000	2,299
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,000,000	2,299
Net charge-offs	$210,000	1,644
Cash dividends	$800,000	2,573
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$3,006,650	2,253
2019-09-30 (YTD Data)		Rank
Total interest income	$6,621,000	2,840
Total interest expense	$1,303,000	2,576
Net interest income	$5,318,000	2,853
Provision for loan and lease losses	$225,000	1,834
Total noninterest income	$401,000	3,628
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$182,000	2,954
Trading account gains and fees	NA	NA
Additional Noninterest Income	$219,000	3,636
Total noninterest expense	$2,828,000	3,541
Salaries and employee benefits	$1,922,000	3,215
Premises and equipment expense	$359,000	3,193
Additional noninterest expense	$547,000	4,262
Pre-tax net operating income	$2,666,000	2,269
Securities gains (losses)	$-5,000	4,797
Applicable income taxes	$130,000	2,792
Income before extraordinary items	$2,531,000	2,182
Extraordinary gains, net	$0	11
Net income	$2,531,000	2,182
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,531,000	2,183
Net charge-offs	$10,000	2,958
Cash dividends	$800,000	2,041
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,535,750	2,145
2019-06-30 (YTD Data)		Rank
Total interest income	$4,434,000	2,828
Total interest expense	$851,000	2,583
Net interest income	$3,583,000	2,852
Provision for loan and lease losses	$150,000	1,792
Total noninterest income	$255,000	3,653
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$116,000	3,008
Trading account gains and fees	NA	NA
Additional Noninterest Income	$139,000	3,672
Total noninterest expense	$1,857,000	3,596
Salaries and employee benefits	$1,279,000	3,227
Premises and equipment expense	$247,000	3,145
Additional noninterest expense	$331,000	4,415
Pre-tax net operating income	$1,831,000	2,207
Securities gains (losses)	$-4,000	4,803
Applicable income taxes	$94,000	2,721
Income before extraordinary items	$1,733,000	2,132
Extraordinary gains, net	$0	11
Net income	$1,733,000	2,130
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,733,000	2,132
Net charge-offs	$-13,000	4,553
Cash dividends	$535,000	2,039
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,736,800	2,101
2019-03-31 (YTD Data)		Rank
Total interest income	$2,183,000	2,868
Total interest expense	$409,000	2,609
Net interest income	$1,774,000	2,896
Provision for loan and lease losses	$75,000	1,682
Total noninterest income	$120,000	3,718
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$54,000	3,117
Trading account gains and fees	NA	NA
Additional Noninterest Income	$66,000	3,718
Total noninterest expense	$919,000	3,655
Salaries and employee benefits	$642,000	3,265
Premises and equipment expense	$127,000	3,145
Additional noninterest expense	$150,000	4,558
Pre-tax net operating income	$900,000	2,196
Securities gains (losses)	$-2,000	4,901
Applicable income taxes	$50,000	2,639
Income before extraordinary items	$848,000	2,117
Extraordinary gains, net	$0	5
Net income	$848,000	2,116
Minority interest net income	$0	52
Net income of bank and minority interests.	$848,000	2,116
Net charge-offs	$-8,000	4,574
Cash dividends	$270,000	1,819
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$849,880	2,100
2018-12-31 (YTD Data)		Rank
Total interest income	$8,035,000	2,928
Total interest expense	$1,210,000	2,655
Net interest income	$6,825,000	2,944
Provision for loan and lease losses	$300,000	1,959
Total noninterest income	$500,000	3,777
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$241,000	3,073
Trading account gains and fees	NA	NA
Additional Noninterest Income	$259,000	3,837
Total noninterest expense	$3,978,000	3,505
Salaries and employee benefits	$2,796,000	3,079
Premises and equipment expense	$509,000	3,115
Additional noninterest expense	$673,000	4,452
Pre-tax net operating income	$3,047,000	2,476
Securities gains (losses)	$48,000	427
Applicable income taxes	$154,000	2,834
Income before extraordinary items	$2,941,000	2,347
Extraordinary gains, net	$0	6
Net income	$2,941,000	2,346
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,941,000	2,346
Net charge-offs	$168,000	1,780
Cash dividends	$985,000	2,256
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,895,400	2,359
2018-09-30 (YTD Data)		Rank
Total interest income	$5,879,000	2,972
Total interest expense	$832,000	2,714
Net interest income	$5,047,000	2,980
Provision for loan and lease losses	$225,000	1,851
Total noninterest income	$379,000	3,796
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$187,000	3,023
Trading account gains and fees	NA	NA
Additional Noninterest Income	$192,000	3,881
Total noninterest expense	$2,787,000	3,639
Salaries and employee benefits	$1,928,000	3,236
Premises and equipment expense	$380,000	3,163
Additional noninterest expense	$479,000	4,561
Pre-tax net operating income	$2,414,000	2,443
Securities gains (losses)	$50,000	418
Applicable income taxes	$127,000	2,856
Income before extraordinary items	$2,337,000	2,283
Extraordinary gains, net	$0	5
Net income	$2,337,000	2,282
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,337,000	2,282
Net charge-offs	$27,000	2,553
Cash dividends	$985,000	1,690
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,289,500	2,307
2018-06-30 (YTD Data)		Rank
Total interest income	$3,864,000	2,989
Total interest expense	$496,000	2,811
Net interest income	$3,368,000	2,986
Provision for loan and lease losses	$150,000	1,766
Total noninterest income	$249,000	3,838
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$122,000	3,065
Trading account gains and fees	NA	NA
Additional Noninterest Income	$127,000	3,913
Total noninterest expense	$1,861,000	3,650
Salaries and employee benefits	$1,285,000	3,260
Premises and equipment expense	$263,000	3,111
Additional noninterest expense	$313,000	4,634
Pre-tax net operating income	$1,606,000	2,417
Securities gains (losses)	$-6,000	4,894
Applicable income taxes	$84,000	2,837
Income before extraordinary items	$1,516,000	2,296
Extraordinary gains, net	$0	6
Net income	$1,516,000	2,294
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,516,000	2,295
Net charge-offs	$34,000	1,971
Cash dividends	$670,000	1,678
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,521,700	2,291
2018-03-31 (YTD Data)		Rank
Total interest income	$1,883,000	3,045
Total interest expense	$198,000	3,089
Net interest income	$1,685,000	2,994
Provision for loan and lease losses	$75,000	1,680
Total noninterest income	$125,000	3,824
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$61,000	3,080
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	3,916
Total noninterest expense	$962,000	3,631
Salaries and employee benefits	$646,000	3,269
Premises and equipment expense	$144,000	2,986
Additional noninterest expense	$172,000	4,559
Pre-tax net operating income	$773,000	2,439
Securities gains (losses)	$-3,000	5,077
Applicable income taxes	$47,000	2,743
Income before extraordinary items	$723,000	2,333
Extraordinary gains, net	$0	7
Net income	$723,000	2,331
Minority interest net income	$0	52
Net income of bank and minority interests.	$723,000	2,333
Net charge-offs	$-1,000	3,770
Cash dividends	$340,000	1,503
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$725,820	2,312
2017-12-31 (YTD Data)		Rank
Total interest income	$6,810,000	3,175
Total interest expense	$647,000	3,268
Net interest income	$6,163,000	3,124
Provision for loan and lease losses	$280,000	2,046
Total noninterest income	$489,000	3,962
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$239,000	3,212
Trading account gains and fees	NA	NA
Additional Noninterest Income	$250,000	3,988
Total noninterest expense	$3,930,000	3,579
Salaries and employee benefits	$2,821,000	3,114
Premises and equipment expense	$484,000	3,319
Additional noninterest expense	$625,000	4,743
Pre-tax net operating income	$2,442,000	2,785
Securities gains (losses)	$10,000	1,604
Applicable income taxes	$90,000	3,335
Income before extraordinary items	$2,362,000	2,412
Extraordinary gains, net	$0	9
Net income	$2,362,000	2,412
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,362,000	2,412
Net charge-offs	$151,000	2,070
Cash dividends	$725,000	2,577
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,352,400	2,406
2017-09-30 (YTD Data)		Rank
Total interest income	$5,054,000	3,218
Total interest expense	$480,000	3,285
Net interest income	$4,574,000	3,170
Provision for loan and lease losses	$205,000	1,997
Total noninterest income	$370,000	3,984
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$182,000	3,199
Trading account gains and fees	NA	NA
Additional Noninterest Income	$188,000	4,037
Total noninterest expense	$2,732,000	3,750
Salaries and employee benefits	$1,928,000	3,294
Premises and equipment expense	$352,000	3,407
Additional noninterest expense	$452,000	4,823
Pre-tax net operating income	$2,007,000	2,709
Securities gains (losses)	$15,000	1,443
Applicable income taxes	$92,000	3,190
Income before extraordinary items	$1,930,000	2,467
Extraordinary gains, net	$0	9
Net income	$1,930,000	2,466
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,930,000	2,467
Net charge-offs	$152,000	1,596
Cash dividends	$725,000	2,034
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,915,750	2,457
2017-06-30 (YTD Data)		Rank
Total interest income	$3,364,000	3,219
Total interest expense	$322,000	3,245
Net interest income	$3,042,000	3,180
Provision for loan and lease losses	$130,000	1,974
Total noninterest income	$237,000	4,045
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$110,000	3,347
Trading account gains and fees	NA	NA
Additional Noninterest Income	$127,000	4,052
Total noninterest expense	$1,841,000	3,742
Salaries and employee benefits	$1,281,000	3,313
Premises and equipment expense	$248,000	3,322
Additional noninterest expense	$312,000	4,820
Pre-tax net operating income	$1,308,000	2,709
Securities gains (losses)	$-22,000	5,599
Applicable income taxes	$60,000	3,218
Income before extraordinary items	$1,226,000	2,486
Extraordinary gains, net	$0	11
Net income	$1,226,000	2,485
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,226,000	2,486
Net charge-offs	$10,000	2,893
Cash dividends	$725,000	1,605
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,246,900	2,440
2017-03-31 (YTD Data)		Rank
Total interest income	$1,642,000	3,262
Total interest expense	$162,000	3,218
Net interest income	$1,480,000	3,228
Provision for loan and lease losses	$75,000	1,685
Total noninterest income	$114,000	4,105
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$50,000	3,500
Trading account gains and fees	NA	NA
Additional Noninterest Income	$64,000	4,031
Total noninterest expense	$889,000	3,856
Salaries and employee benefits	$605,000	3,472
Premises and equipment expense	$129,000	3,286
Additional noninterest expense	$155,000	4,876
Pre-tax net operating income	$630,000	2,719
Securities gains (losses)	$-7,000	5,619
Applicable income taxes	$32,000	3,140
Income before extraordinary items	$591,000	2,474
Extraordinary gains, net	$0	8
Net income	$591,000	2,473
Minority interest net income	$0	55
Net income of bank and minority interests.	$591,000	2,474
Net charge-offs	$1,000	2,795
Cash dividends	$225,000	1,877
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$597,650	2,441
2016-12-31 (YTD Data)		Rank
Total interest income	$6,420,000	3,287
Total interest expense	$648,000	3,179
Net interest income	$5,772,000	3,263
Provision for loan and lease losses	$200,000	2,434
Total noninterest income	$510,000	4,057
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$269,000	3,135
Trading account gains and fees	$0	170
Additional Noninterest Income	$241,000	4,170
Total noninterest expense	$3,674,000	3,814
Salaries and employee benefits	$2,572,000	3,356
Premises and equipment expense	$462,000	3,518
Additional noninterest expense	$640,000	4,900
Pre-tax net operating income	$2,408,000	2,738
Securities gains (losses)	$8,000	2,738
Applicable income taxes	$106,000	3,273
Income before extraordinary items	$2,310,000	2,539
Extraordinary gains, net	$0	5
Net income	$2,310,000	2,538
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,310,000	2,539
Net charge-offs	$53,000	3,102
Cash dividends	$500,000	2,958
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,302,320	2,501
2016-09-30 (YTD Data)		Rank
Total interest income	$4,886,000	3,269
Total interest expense	$483,000	3,197
Net interest income	$4,403,000	3,252
Provision for loan and lease losses	$150,000	2,338
Total noninterest income	$392,000	4,055
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$212,000	3,053
Trading account gains and fees	$0	169
Additional Noninterest Income	$180,000	4,221
Total noninterest expense	$2,583,000	3,970
Salaries and employee benefits	$1,758,000	3,529
Premises and equipment expense	$359,000	3,473
Additional noninterest expense	$466,000	4,989
Pre-tax net operating income	$2,062,000	2,565
Securities gains (losses)	$15,000	2,436
Applicable income taxes	$94,000	3,255
Income before extraordinary items	$1,983,000	2,363
Extraordinary gains, net	$0	5
Net income	$1,983,000	2,362
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,983,000	2,363
Net charge-offs	$-4,000	4,681
Cash dividends	$500,000	2,372
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,968,750	2,313
2016-06-30 (YTD Data)		Rank
Total interest income	$3,261,000	3,291
Total interest expense	$318,000	3,232
Net interest income	$2,943,000	3,261
Provision for loan and lease losses	$150,000	1,887
Total noninterest income	$259,000	4,079
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$137,000	3,113
Trading account gains and fees	$0	157
Additional Noninterest Income	$122,000	4,229
Total noninterest expense	$1,736,000	3,988
Salaries and employee benefits	$1,170,000	3,555
Premises and equipment expense	$240,000	3,495
Additional noninterest expense	$326,000	4,982
Pre-tax net operating income	$1,316,000	2,610
Securities gains (losses)	$24,000	1,854
Applicable income taxes	$54,000	3,356
Income before extraordinary items	$1,286,000	2,382
Extraordinary gains, net	$0	16
Net income	$1,286,000	2,380
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,286,000	2,381
Net charge-offs	$2,000	3,496
Cash dividends	$200,000	2,834
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,262,960	2,350
2016-03-31 (YTD Data)		Rank
Total interest income	$1,632,000	3,295
Total interest expense	$163,000	3,197
Net interest income	$1,469,000	3,261
Provision for loan and lease losses	$75,000	1,741
Total noninterest income	$126,000	4,096
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$64,000	3,213
Trading account gains and fees	$0	142
Additional Noninterest Income	$62,000	4,171
Total noninterest expense	$918,000	3,889
Salaries and employee benefits	$609,000	3,494
Premises and equipment expense	$134,000	3,310
Additional noninterest expense	$175,000	4,906
Pre-tax net operating income	$602,000	2,732
Securities gains (losses)	$36,000	968
Applicable income taxes	$33,000	3,223
Income before extraordinary items	$605,000	2,434
Extraordinary gains, net	$0	12
Net income	$605,000	2,434
Minority interest net income	$0	62
Net income of bank and minority interests.	$605,000	2,434
Net charge-offs	$1,000	2,929
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$570,800	2,475
2015-12-31 (YTD Data)		Rank
Total interest income	$6,426,000	3,305
Total interest expense	$615,000	3,339
Net interest income	$5,811,000	3,255
Provision for loan and lease losses	$200,000	2,306
Total noninterest income	$1,213,000	2,774
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$268,000	3,238
Trading account gains and fees	$0	159
Additional Noninterest Income	$945,000	2,458
Total noninterest expense	$3,807,000	3,816
Salaries and employee benefits	$2,624,000	3,298
Premises and equipment expense	$445,000	3,696
Additional noninterest expense	$738,000	4,857
Pre-tax net operating income	$3,017,000	2,315
Securities gains (losses)	$33,000	1,928
Applicable income taxes	$76,000	3,458
Income before extraordinary items	$2,974,000	2,076
Extraordinary gains, net	$0	23
Net income	$2,974,000	2,077
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,974,000	2,078
Net charge-offs	$145,000	2,291
Cash dividends	$820,000	2,348
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,941,660	2,049
2015-09-30 (YTD Data)		Rank
Total interest income	$4,819,000	3,333
Total interest expense	$453,000	3,423
Net interest income	$4,366,000	3,274
Provision for loan and lease losses	$150,000	2,243
Total noninterest income	$1,088,000	2,549
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$202,000	3,244
Trading account gains and fees	$0	153
Additional Noninterest Income	$886,000	2,180
Total noninterest expense	$2,646,000	4,016
Salaries and employee benefits	$1,765,000	3,565
Premises and equipment expense	$334,000	3,748
Additional noninterest expense	$547,000	4,908
Pre-tax net operating income	$2,658,000	2,104
Securities gains (losses)	$12,000	2,263
Applicable income taxes	$92,000	3,315
Income before extraordinary items	$2,578,000	1,849
Extraordinary gains, net	$0	21
Net income	$2,578,000	1,851
Minority interest net income	$0	78
Net income of bank and minority interests.	$2,578,000	1,851
Net charge-offs	$17,000	3,431
Cash dividends	$820,000	1,810
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,566,360	1,827
2015-06-30 (YTD Data)		Rank
Total interest income	$3,228,000	3,328
Total interest expense	$305,000	3,427
Net interest income	$2,923,000	3,275
Provision for loan and lease losses	$100,000	2,201
Total noninterest income	$257,000	4,190
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$134,000	3,242
Trading account gains and fees	$0	157
Additional Noninterest Income	$123,000	4,275
Total noninterest expense	$1,726,000	4,099
Salaries and employee benefits	$1,170,000	3,598
Premises and equipment expense	$224,000	3,764
Additional noninterest expense	$332,000	5,089
Pre-tax net operating income	$1,354,000	2,517
Securities gains (losses)	$25,000	1,600
Applicable income taxes	$65,000	3,298
Income before extraordinary items	$1,314,000	2,270
Extraordinary gains, net	$0	22
Net income	$1,314,000	2,272
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,314,000	2,272
Net charge-offs	$6,000	3,419
Cash dividends	$475,000	1,994
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,290,250	2,256
2015-03-31 (YTD Data)		Rank
Total interest income	$1,575,000	3,389
Total interest expense	$150,000	3,471
Net interest income	$1,425,000	3,337
Provision for loan and lease losses	$50,000	2,062
Total noninterest income	$122,000	4,250
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$65,000	3,257
Trading account gains and fees	$0	152
Additional Noninterest Income	$57,000	4,372
Total noninterest expense	$890,000	4,068
Salaries and employee benefits	$592,000	3,601
Premises and equipment expense	$118,000	3,697
Additional noninterest expense	$180,000	4,999
Pre-tax net operating income	$607,000	2,664
Securities gains (losses)	$-4,000	6,162
Applicable income taxes	$32,000	3,292
Income before extraordinary items	$571,000	2,481
Extraordinary gains, net	$0	13
Net income	$571,000	2,484
Minority interest net income	$0	64
Net income of bank and minority interests.	$571,000	2,483
Net charge-offs	$5,000	2,746
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$574,800	2,400
2014-12-31 (YTD Data)		Rank
Total interest income	$6,072,000	3,497
Total interest expense	$628,000	3,514
Net interest income	$5,444,000	3,452
Provision for loan and lease losses	$150,000	2,763
Total noninterest income	$530,000	4,190
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$318,000	3,101
Trading account gains and fees	$0	180
Additional Noninterest Income	$212,000	4,464
Total noninterest expense	$3,998,000	3,835
Salaries and employee benefits	$2,806,000	3,218
Premises and equipment expense	$482,000	3,718
Additional noninterest expense	$710,000	5,132
Pre-tax net operating income	$1,826,000	3,148
Securities gains (losses)	$10,000	2,652
Applicable income taxes	$97,000	3,412
Income before extraordinary items	$1,739,000	2,960
Extraordinary gains, net	$0	17
Net income	$1,739,000	2,959
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,739,000	2,960
Net charge-offs	$-9,000	5,646
Cash dividends	$675,000	2,514
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,729,500	2,929
2014-09-30 (YTD Data)		Rank
Total interest income	$4,520,000	3,550
Total interest expense	$472,000	3,569
Net interest income	$4,048,000	3,501
Provision for loan and lease losses	$150,000	2,373
Total noninterest income	$399,000	4,224
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$243,000	3,095
Trading account gains and fees	$0	174
Additional Noninterest Income	$156,000	4,519
Total noninterest expense	$2,748,000	4,049
Salaries and employee benefits	$1,845,000	3,527
Premises and equipment expense	$376,000	3,677
Additional noninterest expense	$527,000	5,178
Pre-tax net operating income	$1,549,000	2,977
Securities gains (losses)	$-54,000	6,371
Applicable income taxes	$75,000	3,454
Income before extraordinary items	$1,420,000	2,834
Extraordinary gains, net	$0	15
Net income	$1,420,000	2,835
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,420,000	2,835
Net charge-offs	$-7,000	5,535
Cash dividends	$675,000	1,912
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,471,300	2,728
2014-06-30 (YTD Data)		Rank
Total interest income	$3,015,000	3,545
Total interest expense	$315,000	3,600
Net interest income	$2,700,000	3,500
Provision for loan and lease losses	$100,000	2,327
Total noninterest income	$265,000	4,236
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$159,000	3,110
Trading account gains and fees	$0	172
Additional Noninterest Income	$106,000	4,498
Total noninterest expense	$1,806,000	4,101
Salaries and employee benefits	$1,221,000	3,566
Premises and equipment expense	$225,000	3,938
Additional noninterest expense	$360,000	5,174
Pre-tax net operating income	$1,059,000	2,867
Securities gains (losses)	$-30,000	6,425
Applicable income taxes	$53,000	3,412
Income before extraordinary items	$976,000	2,689
Extraordinary gains, net	$0	20
Net income	$976,000	2,693
Minority interest net income	$0	80
Net income of bank and minority interests.	$976,000	2,693
Net charge-offs	$6,000	3,908
Cash dividends	$175,000	2,833
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,004,500	2,587
2014-03-31 (YTD Data)		Rank
Total interest income	$1,518,000	3,554
Total interest expense	$161,000	3,617
Net interest income	$1,357,000	3,505
Provision for loan and lease losses	$50,000	2,211
Total noninterest income	$125,000	4,294
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$70,000	3,334
Trading account gains and fees	$0	147
Additional Noninterest Income	$55,000	4,432
Total noninterest expense	$930,000	4,071
Salaries and employee benefits	$608,000	3,609
Premises and equipment expense	$128,000	3,701
Additional noninterest expense	$194,000	5,085
Pre-tax net operating income	$502,000	2,884
Securities gains (losses)	$-14,000	6,464
Applicable income taxes	$29,000	3,308
Income before extraordinary items	$459,000	2,731
Extraordinary gains, net	$0	16
Net income	$459,000	2,734
Minority interest net income	$0	66
Net income of bank and minority interests.	$459,000	2,734
Net charge-offs	$5,000	3,116
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$472,160	2,636
2013-12-31 (YTD Data)		Rank
Total interest income	$6,121,000	3,569
Total interest expense	$690,000	3,778
Net interest income	$5,431,000	3,501
Provision for loan and lease losses	$0	5,091
Total noninterest income	$609,000	4,096
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$336,000	3,158
Trading account gains and fees	$0	184
Additional Noninterest Income	$273,000	4,208
Total noninterest expense	$3,856,000	4,015
Salaries and employee benefits	$2,660,000	3,389
Premises and equipment expense	$474,000	3,845
Additional noninterest expense	$722,000	5,279
Pre-tax net operating income	$2,184,000	2,691
Securities gains (losses)	$-176,000	6,610
Applicable income taxes	$111,000	3,348
Income before extraordinary items	$1,897,000	2,713
Extraordinary gains, net	$0	29
Net income	$1,897,000	2,716
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,897,000	2,716
Net charge-offs	$52,000	4,318
Cash dividends	$1,100,000	1,810
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,062,440	2,486
2013-09-30 (YTD Data)		Rank
Total interest income	$4,586,000	3,613
Total interest expense	$525,000	3,831
Net interest income	$4,061,000	3,528
Provision for loan and lease losses	$0	4,941
Total noninterest income	$428,000	4,274
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$255,000	3,163
Trading account gains and fees	$0	180
Additional Noninterest Income	$173,000	4,505
Total noninterest expense	$2,737,000	4,162
Salaries and employee benefits	$1,845,000	3,607
Premises and equipment expense	$366,000	3,825
Additional noninterest expense	$526,000	5,344
Pre-tax net operating income	$1,752,000	2,661
Securities gains (losses)	$-135,000	6,749
Applicable income taxes	$70,000	3,524
Income before extraordinary items	$1,547,000	2,603
Extraordinary gains, net	$0	25
Net income	$1,547,000	2,607
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,547,000	2,607
Net charge-offs	$7,000	4,813
Cash dividends	$1,100,000	1,342
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,676,600	2,367
2013-06-30 (YTD Data)		Rank
Total interest income	$3,060,000	3,607
Total interest expense	$357,000	3,839
Net interest income	$2,703,000	3,527
Provision for loan and lease losses	$0	4,788
Total noninterest income	$286,000	4,298
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$168,000	3,166
Trading account gains and fees	$0	157
Additional Noninterest Income	$118,000	4,538
Total noninterest expense	$1,801,000	4,214
Salaries and employee benefits	$1,222,000	3,634
Premises and equipment expense	$241,000	3,875
Additional noninterest expense	$338,000	5,413
Pre-tax net operating income	$1,188,000	2,616
Securities gains (losses)	$-70,000	6,819
Applicable income taxes	$65,000	3,323
Income before extraordinary items	$1,053,000	2,530
Extraordinary gains, net	$0	22
Net income	$1,053,000	2,535
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,053,000	2,535
Net charge-offs	$7,000	4,432
Cash dividends	$500,000	1,684
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,118,800	2,321
2013-03-31 (YTD Data)		Rank
Total interest income	$1,518,000	3,657
Total interest expense	$184,000	3,870
Net interest income	$1,334,000	3,579
Provision for loan and lease losses	$0	4,409
Total noninterest income	$137,000	4,339
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$84,000	3,147
Trading account gains and fees	$0	148
Additional Noninterest Income	$53,000	4,635
Total noninterest expense	$933,000	4,164
Salaries and employee benefits	$621,000	3,630
Premises and equipment expense	$140,000	3,543
Additional noninterest expense	$172,000	5,454
Pre-tax net operating income	$538,000	2,745
Securities gains (losses)	$-29,000	6,895
Applicable income taxes	$36,000	3,230
Income before extraordinary items	$473,000	2,694
Extraordinary gains, net	$0	10
Net income	$473,000	2,697
Minority interest net income	$0	76
Net income of bank and minority interests.	$473,000	2,696
Net charge-offs	$0	4,145
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$499,970	2,508
2012-12-31 (YTD Data)		Rank
Total interest income	$6,322,000	3,696
Total interest expense	$1,036,000	3,526
Net interest income	$5,286,000	3,674
Provision for loan and lease losses	$200,000	3,920
Total noninterest income	$340,000	5,047
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$344,000	3,222
Trading account gains and fees	$0	166
Additional Noninterest Income	$-4,000	6,584
Total noninterest expense	$3,817,000	4,165
Salaries and employee benefits	$2,649,000	3,424
Premises and equipment expense	$450,000	4,062
Additional noninterest expense	$718,000	5,485
Pre-tax net operating income	$1,609,000	3,208
Securities gains (losses)	$37,000	2,896
Applicable income taxes	$82,000	3,636
Income before extraordinary items	$1,564,000	3,040
Extraordinary gains, net	$0	29
Net income	$1,564,000	3,039
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,564,000	3,040
Net charge-offs	$269,000	3,440
Cash dividends	$600,000	2,547
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,528,850	2,964
2012-09-30 (YTD Data)		Rank
Total interest income	$4,793,000	3,746
Total interest expense	$821,000	3,518
Net interest income	$3,972,000	3,730
Provision for loan and lease losses	$200,000	3,508
Total noninterest income	$164,000	5,654
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$262,000	3,228
Trading account gains and fees	$0	157
Additional Noninterest Income	$-98,000	6,919
Total noninterest expense	$2,735,000	4,297
Salaries and employee benefits	$1,851,000	3,621
Premises and equipment expense	$346,000	4,066
Additional noninterest expense	$538,000	5,546
Pre-tax net operating income	$1,201,000	3,320
Securities gains (losses)	$84,000	2,102
Applicable income taxes	$56,000	3,734
Income before extraordinary items	$1,229,000	3,015
Extraordinary gains, net	$0	20
Net income	$1,229,000	3,015
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,229,000	3,014
Net charge-offs	$272,000	2,956
Cash dividends	$600,000	1,829
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,148,360	3,017
2012-06-30 (YTD Data)		Rank
Total interest income	$3,269,000	3,723
Total interest expense	$571,000	3,513
Net interest income	$2,698,000	3,694
Provision for loan and lease losses	$200,000	2,964
Total noninterest income	$98,000	5,810
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$175,000	3,217
Trading account gains and fees	$0	153
Additional Noninterest Income	$-77,000	6,979
Total noninterest expense	$1,825,000	4,319
Salaries and employee benefits	$1,234,000	3,636
Premises and equipment expense	$224,000	4,138
Additional noninterest expense	$367,000	5,531
Pre-tax net operating income	$771,000	3,354
Securities gains (losses)	$105,000	1,561
Applicable income taxes	$43,000	3,636
Income before extraordinary items	$833,000	2,951
Extraordinary gains, net	$0	19
Net income	$833,000	2,951
Minority interest net income	$0	84
Net income of bank and minority interests.	$833,000	2,951
Net charge-offs	$89,000	3,523
Cash dividends	$300,000	2,133
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$733,250	3,066
2012-03-31 (YTD Data)		Rank
Total interest income	$1,660,000	3,715
Total interest expense	$306,000	3,468
Net interest income	$1,354,000	3,708
Provision for loan and lease losses	$100,000	2,838
Total noninterest income	$71,000	5,415
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$82,000	3,326
Trading account gains and fees	$0	148
Additional Noninterest Income	$-11,000	6,992
Total noninterest expense	$932,000	4,279
Salaries and employee benefits	$622,000	3,639
Premises and equipment expense	$133,000	3,747
Additional noninterest expense	$177,000	5,619
Pre-tax net operating income	$393,000	3,333
Securities gains (losses)	$96,000	934
Applicable income taxes	$28,000	3,471
Income before extraordinary items	$461,000	2,775
Extraordinary gains, net	$0	19
Net income	$461,000	2,777
Minority interest net income	$0	78
Net income of bank and minority interests.	$461,000	2,778
Net charge-offs	$-12,000	6,715
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$370,760	3,067
2011-12-31 (YTD Data)		Rank
Total interest income	$6,621,000	3,816
Total interest expense	$1,535,000	3,389
Net interest income	$5,086,000	3,865
Provision for loan and lease losses	$525,000	3,390
Total noninterest income	$432,000	4,635
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$330,000	3,410
Trading account gains and fees	$0	146
Additional Noninterest Income	$102,000	5,289
Total noninterest expense	$3,737,000	4,310
Salaries and employee benefits	$2,412,000	3,660
Premises and equipment expense	$423,000	4,439
Additional noninterest expense	$902,000	5,152
Pre-tax net operating income	$1,256,000	3,319
Securities gains (losses)	$67,000	2,372
Applicable income taxes	$77,000	3,527
Income before extraordinary items	$1,246,000	3,139
Extraordinary gains, net	$0	29
Net income	$1,246,000	3,142
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,246,000	3,142
Net charge-offs	$507,000	3,147
Cash dividends	$500,000	2,425
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,183,020	3,137
2011-09-30 (YTD Data)		Rank
Total interest income	$4,984,000	3,841
Total interest expense	$1,195,000	3,420
Net interest income	$3,789,000	3,895
Provision for loan and lease losses	$400,000	3,210
Total noninterest income	$404,000	4,308
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$248,000	3,413
Trading account gains and fees	$0	145
Additional Noninterest Income	$156,000	4,469
Total noninterest expense	$2,684,000	4,438
Salaries and employee benefits	$1,698,000	3,838
Premises and equipment expense	$337,000	4,350
Additional noninterest expense	$649,000	5,265
Pre-tax net operating income	$1,109,000	3,128
Securities gains (losses)	$80,000	1,980
Applicable income taxes	$56,000	3,562
Income before extraordinary items	$1,133,000	2,823
Extraordinary gains, net	$0	21
Net income	$1,133,000	2,825
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,133,000	2,825
Net charge-offs	$460,000	2,763
Cash dividends	$500,000	1,810
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,057,000	2,857
2011-06-30 (YTD Data)		Rank
Total interest income	$3,323,000	3,872
Total interest expense	$808,000	3,488
Net interest income	$2,515,000	3,921
Provision for loan and lease losses	$250,000	3,239
Total noninterest income	$266,000	4,365
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$159,000	3,477
Trading account gains and fees	$0	153
Additional Noninterest Income	$107,000	4,444
Total noninterest expense	$1,790,000	4,474
Salaries and employee benefits	$1,133,000	3,867
Premises and equipment expense	$236,000	4,260
Additional noninterest expense	$421,000	5,408
Pre-tax net operating income	$741,000	3,073
Securities gains (losses)	$10,000	2,357
Applicable income taxes	$42,000	3,465
Income before extraordinary items	$709,000	2,892
Extraordinary gains, net	$0	15
Net income	$709,000	2,894
Minority interest net income	$0	89
Net income of bank and minority interests.	$709,000	2,894
Net charge-offs	$28,000	4,871
Cash dividends	$240,000	2,140
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$699,600	2,850
2011-03-31 (YTD Data)		Rank
Total interest income	$1,683,000	3,878
Total interest expense	$414,000	3,512
Net interest income	$1,269,000	3,910
Provision for loan and lease losses	$125,000	3,068
Total noninterest income	$115,000	4,667
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$68,000	3,740
Trading account gains and fees	$0	158
Additional Noninterest Income	$47,000	4,755
Total noninterest expense	$898,000	4,477
Salaries and employee benefits	$564,000	3,898
Premises and equipment expense	$127,000	4,116
Additional noninterest expense	$207,000	5,445
Pre-tax net operating income	$361,000	3,179
Securities gains (losses)	$2,000	1,590
Applicable income taxes	$24,000	3,333
Income before extraordinary items	$339,000	2,990
Extraordinary gains, net	$0	9
Net income	$339,000	2,989
Minority interest net income	$0	86
Net income of bank and minority interests.	$339,000	2,990
Net charge-offs	$32,000	3,717
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$337,140	2,947
2010-12-31 (YTD Data)		Rank
Total interest income	$6,885,000	3,954
Total interest expense	$2,025,000	3,531
Net interest income	$4,860,000	4,033
Provision for loan and lease losses	$575,000	3,927
Total noninterest income	$303,000	5,394
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$295,000	3,668
Trading account gains and fees	$0	175
Additional Noninterest Income	$8,000	6,821
Total noninterest expense	$3,551,000	4,557
Salaries and employee benefits	$2,329,000	3,797
Premises and equipment expense	$415,000	4,664
Additional noninterest expense	$807,000	5,611
Pre-tax net operating income	$1,037,000	3,322
Securities gains (losses)	$81,000	2,336
Applicable income taxes	$33,000	3,817
Income before extraordinary items	$1,085,000	3,078
Extraordinary gains, net	$0	29
Net income	$1,085,000	3,075
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,085,000	3,078
Net charge-offs	$357,000	4,077
Cash dividends	$265,000	3,029
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,006,430	3,083
2010-09-30 (YTD Data)		Rank
Total interest income	$5,188,000	4,016
Total interest expense	$1,580,000	3,561
Net interest income	$3,608,000	4,121
Provision for loan and lease losses	$406,000	3,882
Total noninterest income	$33,000	7,225
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$222,000	3,728
Trading account gains and fees	$0	165
Additional Noninterest Income	$-189,000	7,455
Total noninterest expense	$2,574,000	4,661
Salaries and employee benefits	$1,632,000	4,030
Premises and equipment expense	$349,000	4,443
Additional noninterest expense	$593,000	5,672
Pre-tax net operating income	$661,000	3,819
Securities gains (losses)	$79,000	2,125
Applicable income taxes	$34,000	3,776
Income before extraordinary items	$706,000	3,494
Extraordinary gains, net	$0	23
Net income	$706,000	3,492
Minority interest net income	$0	110
Net income of bank and minority interests.	$706,000	3,494
Net charge-offs	$198,000	4,238
Cash dividends	$265,000	2,453
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$630,950	3,559
2010-06-30 (YTD Data)		Rank
Total interest income	$3,488,000	4,026
Total interest expense	$1,089,000	3,572
Net interest income	$2,399,000	4,127
Provision for loan and lease losses	$238,000	3,990
Total noninterest income	$-49,000	7,605
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$150,000	3,692
Trading account gains and fees	$0	152
Additional Noninterest Income	$-199,000	7,604
Total noninterest expense	$1,680,000	4,726
Salaries and employee benefits	$1,084,000	4,057
Premises and equipment expense	$232,000	4,464
Additional noninterest expense	$364,000	5,864
Pre-tax net operating income	$432,000	3,864
Securities gains (losses)	$76,000	1,615
Applicable income taxes	$25,000	3,662
Income before extraordinary items	$483,000	3,474
Extraordinary gains, net	$0	19
Net income	$483,000	3,471
Minority interest net income	$0	105
Net income of bank and minority interests.	$483,000	3,473
Net charge-offs	$125,000	4,002
Cash dividends	$130,000	2,646
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$410,800	3,637
2010-03-31 (YTD Data)		Rank
Total interest income	$1,750,000	4,072
Total interest expense	$549,000	3,681
Net interest income	$1,201,000	4,163
Provision for loan and lease losses	$169,000	3,215
Total noninterest income	$121,000	4,697
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$73,000	3,752
Trading account gains and fees	$0	175
Additional Noninterest Income	$48,000	4,761
Total noninterest expense	$965,000	4,388
Salaries and employee benefits	$647,000	3,605
Premises and equipment expense	$129,000	4,282
Additional noninterest expense	$189,000	5,827
Pre-tax net operating income	$188,000	4,188
Securities gains (losses)	$11,000	1,699
Applicable income taxes	$13,000	3,663
Income before extraordinary items	$186,000	4,014
Extraordinary gains, net	$0	16
Net income	$186,000	4,013
Minority interest net income	$0	91
Net income of bank and minority interests.	$186,000	4,013
Net charge-offs	$26,000	4,249
Cash dividends	$130,000	1,696
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$175,770	4,020
2009-12-31 (YTD Data)		Rank
Total interest income	$6,867,000	4,227
Total interest expense	$2,476,000	3,917
Net interest income	$4,391,000	4,299
Provision for loan and lease losses	$700,000	4,039
Total noninterest income	$469,000	4,846
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$282,000	4,008
Trading account gains and fees	$0	211
Additional Noninterest Income	$187,000	4,742
Total noninterest expense	$3,728,000	4,538
Salaries and employee benefits	$2,338,000	3,884
Premises and equipment expense	$496,000	4,398
Additional noninterest expense	$894,000	5,541
Pre-tax net operating income	$432,000	4,160
Securities gains (losses)	$-3,000	6,914
Applicable income taxes	$83,000	2,981
Income before extraordinary items	$346,000	4,332
Extraordinary gains, net	$0	34
Net income	$346,000	4,332
Minority interest net income	$0	115
Net income of bank and minority interests.	$346,000	4,333
Net charge-offs	$971,000	2,892
Cash dividends	$110,000	4,065
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$348,430	4,258
2009-09-30 (YTD Data)		Rank
Total interest income	$5,172,000	4,273
Total interest expense	$1,877,000	4,021
Net interest income	$3,295,000	4,306
Provision for loan and lease losses	$300,000	4,583
Total noninterest income	$381,000	4,772
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$234,000	3,824
Trading account gains and fees	$0	212
Additional Noninterest Income	$147,000	4,809
Total noninterest expense	$2,759,000	4,588
Salaries and employee benefits	$1,753,000	3,926
Premises and equipment expense	$390,000	4,320
Additional noninterest expense	$616,000	5,754
Pre-tax net operating income	$617,000	3,543
Securities gains (losses)	$-4,000	7,168
Applicable income taxes	$54,000	3,277
Income before extraordinary items	$559,000	3,495
Extraordinary gains, net	$0	27
Net income	$559,000	3,493
Minority interest net income	$0	118
Net income of bank and minority interests.	$559,000	3,495
Net charge-offs	$362,000	3,458
Cash dividends	$110,000	3,531
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$562,640	3,390
2009-06-30 (YTD Data)		Rank
Total interest income	$3,435,000	4,321
Total interest expense	$1,274,000	4,088
Net interest income	$2,161,000	4,354
Provision for loan and lease losses	$200,000	4,313
Total noninterest income	$278,000	4,583
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$171,000	3,620
Trading account gains and fees	$0	193
Additional Noninterest Income	$107,000	4,677
Total noninterest expense	$1,746,000	4,781
Salaries and employee benefits	$1,148,000	4,004
Premises and equipment expense	$234,000	4,645
Additional noninterest expense	$364,000	6,062
Pre-tax net operating income	$493,000	3,323
Securities gains (losses)	$2,000	2,937
Applicable income taxes	$49,000	3,169
Income before extraordinary items	$446,000	3,301
Extraordinary gains, net	$0	21
Net income	$446,000	3,296
Minority interest net income	$0	112
Net income of bank and minority interests.	$446,000	3,299
Net charge-offs	$175,000	3,595
Cash dividends	$110,000	3,197
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$444,200	3,201
2009-03-31 (YTD Data)		Rank
Total interest income	$1,708,000	4,371
Total interest expense	$676,000	4,048
Net interest income	$1,032,000	4,492
Provision for loan and lease losses	$100,000	3,845
Total noninterest income	$140,000	4,560
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$82,000	3,654
Trading account gains and fees	$0	171
Additional Noninterest Income	$58,000	4,572
Total noninterest expense	$831,000	4,838
Salaries and employee benefits	$531,000	4,267
Premises and equipment expense	$130,000	4,390
Additional noninterest expense	$170,000	6,008
Pre-tax net operating income	$241,000	3,701
Securities gains (losses)	$1,000	2,304
Applicable income taxes	$35,000	3,173
Income before extraordinary items	$207,000	3,803
Extraordinary gains, net	$0	15
Net income	$207,000	3,803
Minority interest net income	$0	102
Net income of bank and minority interests.	$207,000	3,804
Net charge-offs	$-8,000	7,815
Cash dividends	$110,000	2,164
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$206,140	3,659
2008-12-31 (YTD Data)		Rank
Total interest income	$7,426,000	4,328
Total interest expense	$3,254,000	4,019
Net interest income	$4,172,000	4,453
Provision for loan and lease losses	$155,000	5,521
Total noninterest income	$492,000	4,875
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$316,000	3,920
Trading account gains and fees	$0	154
Additional Noninterest Income	$176,000	5,052
Total noninterest expense	$3,452,000	4,685
Salaries and employee benefits	$2,283,000	4,039
Premises and equipment expense	$510,000	4,402
Additional noninterest expense	$659,000	5,982
Pre-tax net operating income	$1,057,000	3,659
Securities gains (losses)	$-532,000	7,579
Applicable income taxes	$-55,000	6,973
Income before extraordinary items	$580,000	4,225
Extraordinary gains, net	$0	39
Net income	$580,000	4,225
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	5,560
Cash dividends	$125,000	4,834
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,112,000	3,238
2008-09-30 (YTD Data)		Rank
Total interest income	$5,612,000	4,379
Total interest expense	$2,454,000	4,129
Net interest income	$3,158,000	4,463
Provision for loan and lease losses	$127,000	4,849
Total noninterest income	$378,000	4,932
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$247,000	3,874
Trading account gains and fees	$0	148
Additional Noninterest Income	$131,000	5,183
Total noninterest expense	$2,670,000	4,573
Salaries and employee benefits	$1,781,000	3,957
Premises and equipment expense	$418,000	4,158
Additional noninterest expense	$471,000	6,069
Pre-tax net operating income	$739,000	4,244
Securities gains (losses)	$-533,000	7,793
Applicable income taxes	$15,000	4,720
Income before extraordinary items	$191,000	5,743
Extraordinary gains, net	$0	31
Net income	$191,000	5,741
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$54,000	4,609
Cash dividends	$125,000	4,247
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$686,690	4,003
2008-06-30 (YTD Data)		Rank
Total interest income	$3,760,000	4,423
Total interest expense	$1,641,000	4,258
Net interest income	$2,119,000	4,424
Provision for loan and lease losses	$85,000	4,532
Total noninterest income	$232,000	5,147
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$153,000	4,023
Trading account gains and fees	$0	149
Additional Noninterest Income	$79,000	5,437
Total noninterest expense	$1,834,000	4,509
Salaries and employee benefits	$1,252,000	3,838
Premises and equipment expense	$276,000	4,225
Additional noninterest expense	$306,000	6,137
Pre-tax net operating income	$432,000	4,649
Securities gains (losses)	$3,000	2,869
Applicable income taxes	$24,000	4,564
Income before extraordinary items	$411,000	4,420
Extraordinary gains, net	$0	21
Net income	$411,000	4,421
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	4,007
Cash dividends	$125,000	3,902
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$408,180	4,373
2008-03-31 (YTD Data)		Rank
Total interest income	$1,887,000	4,500
Total interest expense	$825,000	4,429
Net interest income	$1,062,000	4,421
Provision for loan and lease losses	$42,000	4,068
Total noninterest income	$108,000	5,272
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$73,000	4,064
Trading account gains and fees	$0	158
Additional Noninterest Income	$35,000	5,679
Total noninterest expense	$942,000	4,421
Salaries and employee benefits	$631,000	3,825
Premises and equipment expense	$160,000	3,794
Additional noninterest expense	$151,000	6,165
Pre-tax net operating income	$186,000	5,081
Securities gains (losses)	$1,000	2,556
Applicable income taxes	$15,000	4,552
Income before extraordinary items	$172,000	4,996
Extraordinary gains, net	$0	15
Net income	$172,000	5,000
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,346
Cash dividends	$125,000	2,728
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$171,080	4,889
2007-12-31 (YTD Data)		Rank
Total interest income	$7,765,000	4,443
Total interest expense	$3,465,000	4,364
Net interest income	$4,300,000	4,415
Provision for loan and lease losses	$180,000	4,023
Total noninterest income	$470,000	5,150
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$305,000	4,046
Trading account gains and fees	$0	178
Additional Noninterest Income	$165,000	5,414
Total noninterest expense	$3,475,000	4,547
Salaries and employee benefits	$2,369,000	3,878
Premises and equipment expense	$519,000	4,252
Additional noninterest expense	$587,000	6,184
Pre-tax net operating income	$1,115,000	4,512
Securities gains (losses)	$5,000	1,575
Applicable income taxes	$45,000	4,991
Income before extraordinary items	$1,075,000	4,158
Extraordinary gains, net	$0	39
Net income	$1,075,000	4,160
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$255,000	2,520
Cash dividends	$535,000	3,606
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,070,200	4,157
2007-09-30 (YTD Data)		Rank
Total interest income	$5,812,000	4,478
Total interest expense	$2,593,000	4,375
Net interest income	$3,219,000	4,453
Provision for loan and lease losses	$135,000	3,624
Total noninterest income	$348,000	5,223
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$229,000	4,051
Trading account gains and fees	$0	184
Additional Noninterest Income	$119,000	5,491
Total noninterest expense	$2,570,000	4,568
Salaries and employee benefits	$1,738,000	3,924
Premises and equipment expense	$410,000	4,096
Additional noninterest expense	$422,000	6,256
Pre-tax net operating income	$862,000	4,693
Securities gains (losses)	$4,000	1,247
Applicable income taxes	$35,000	5,174
Income before extraordinary items	$831,000	4,268
Extraordinary gains, net	$0	33
Net income	$831,000	4,268
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$205,000	1,939
Cash dividends	$535,000	2,838
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$827,160	4,265
2007-06-30 (YTD Data)		Rank
Total interest income	$3,889,000	4,477
Total interest expense	$1,723,000	4,397
Net interest income	$2,166,000	4,449
Provision for loan and lease losses	$90,000	3,429
Total noninterest income	$229,000	5,290
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$145,000	4,154
Trading account gains and fees	$0	168
Additional Noninterest Income	$84,000	5,421
Total noninterest expense	$1,731,000	4,551
Salaries and employee benefits	$1,160,000	3,956
Premises and equipment expense	$282,000	4,020
Additional noninterest expense	$289,000	6,223
Pre-tax net operating income	$574,000	4,777
Securities gains (losses)	$4,000	1,079
Applicable income taxes	$24,000	5,246
Income before extraordinary items	$554,000	4,326
Extraordinary gains, net	$0	29
Net income	$554,000	4,326
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$181,000	1,430
Cash dividends	$275,000	3,249
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$550,160	4,336
2007-03-31 (YTD Data)		Rank
Total interest income	$1,941,000	4,478
Total interest expense	$846,000	4,431
Net interest income	$1,095,000	4,430
Provision for loan and lease losses	$45,000	3,197
Total noninterest income	$113,000	5,260
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$66,000	4,317
Trading account gains and fees	$0	195
Additional Noninterest Income	$47,000	5,236
Total noninterest expense	$869,000	4,546
Salaries and employee benefits	$583,000	3,965
Premises and equipment expense	$140,000	4,053
Additional noninterest expense	$146,000	6,188
Pre-tax net operating income	$294,000	4,700
Securities gains (losses)	$2,000	969
Applicable income taxes	$9,000	5,389
Income before extraordinary items	$287,000	4,290
Extraordinary gains, net	$0	22
Net income	$287,000	4,292
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,384
Cash dividends	$175,000	2,582
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$285,060	4,276
2006-12-31 (YTD Data)		Rank
Total interest income	$7,093,000	4,526
Total interest expense	$2,924,000	4,379
Net interest income	$4,169,000	4,545
Provision for loan and lease losses	$151,000	4,031
Total noninterest income	$468,000	5,275
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$285,000	4,224
Trading account gains and fees	$0	130
Additional Noninterest Income	$183,000	5,281
Total noninterest expense	$3,375,000	4,511
Salaries and employee benefits	$2,226,000	3,945
Premises and equipment expense	$495,000	4,303
Additional noninterest expense	$654,000	5,827
Pre-tax net operating income	$1,111,000	4,960
Securities gains (losses)	$4,000	1,309
Applicable income taxes	$44,000	5,530
Income before extraordinary items	$1,071,000	4,557
Extraordinary gains, net	$0	51
Net income	$1,071,000	4,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$175,000	2,378
Cash dividends	$870,000	2,815
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,067,160	4,554
2006-09-30 (YTD Data)		Rank
Total interest income	$5,224,000	4,571
Total interest expense	$2,103,000	4,406
Net interest income	$3,121,000	4,590
Provision for loan and lease losses	$113,000	3,903
Total noninterest income	$355,000	5,259
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$220,000	4,215
Trading account gains and fees	$0	126
Additional Noninterest Income	$135,000	5,319
Total noninterest expense	$2,508,000	4,526
Salaries and employee benefits	$1,684,000	3,909
Premises and equipment expense	$345,000	4,504
Additional noninterest expense	$479,000	5,884
Pre-tax net operating income	$855,000	5,087
Securities gains (losses)	$3,000	1,123
Applicable income taxes	$30,000	5,758
Income before extraordinary items	$828,000	4,622
Extraordinary gains, net	$0	45
Net income	$828,000	4,626
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$161,000	1,756
Cash dividends	$870,000	2,131
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$825,090	4,624
2006-06-30 (YTD Data)		Rank
Total interest income	$3,413,000	4,587
Total interest expense	$1,339,000	4,396
Net interest income	$2,074,000	4,611
Provision for loan and lease losses	$75,000	3,786
Total noninterest income	$228,000	5,343
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$142,000	4,250
Trading account gains and fees	$0	126
Additional Noninterest Income	$86,000	5,447
Total noninterest expense	$1,717,000	4,466
Salaries and employee benefits	$1,126,000	3,933
Premises and equipment expense	$262,000	4,164
Additional noninterest expense	$329,000	5,801
Pre-tax net operating income	$510,000	5,359
Securities gains (losses)	$2,000	970
Applicable income taxes	$18,000	5,852
Income before extraordinary items	$494,000	4,904
Extraordinary gains, net	$0	39
Net income	$494,000	4,909
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$165,000	1,251
Cash dividends	$610,000	2,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$492,080	4,903
2006-03-31 (YTD Data)		Rank
Total interest income	$1,650,000	4,626
Total interest expense	$589,000	4,630
Net interest income	$1,061,000	4,536
Provision for loan and lease losses	$37,000	3,640
Total noninterest income	$112,000	5,362
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$69,000	4,247
Trading account gains and fees	$0	115
Additional Noninterest Income	$43,000	5,402
Total noninterest expense	$927,000	4,226
Salaries and employee benefits	$576,000	3,875
Premises and equipment expense	$157,000	3,643
Additional noninterest expense	$194,000	5,276
Pre-tax net operating income	$209,000	5,749
Securities gains (losses)	$1,000	856
Applicable income taxes	$7,000	5,939
Income before extraordinary items	$203,000	5,324
Extraordinary gains, net	$0	21
Net income	$203,000	5,322
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	2,166
Cash dividends	$425,000	1,537
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$202,030	5,334
2005-12-31 (YTD Data)		Rank
Total interest income	$5,931,000	4,628
Total interest expense	$1,775,000	4,773
Net interest income	$4,156,000	4,500
Provision for loan and lease losses	$168,000	3,935
Total noninterest income	$413,000	5,647
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$244,000	4,618
Trading account gains and fees	$0	138
Additional Noninterest Income	$169,000	5,520
Total noninterest expense	$3,229,000	4,546
Salaries and employee benefits	$2,147,000	3,916
Premises and equipment expense	$460,000	4,427
Additional noninterest expense	$622,000	5,946
Pre-tax net operating income	$1,172,000	4,954
Securities gains (losses)	$-14,000	7,671
Applicable income taxes	$686,000	2,853
Income before extraordinary items	$472,000	6,475
Extraordinary gains, net	$0	46
Net income	$472,000	6,478
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$439,000	1,291
Cash dividends	$385,000	4,058
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$480,960	6,415
2005-09-30 (YTD Data)		Rank
Total interest income	$4,411,000	4,628
Total interest expense	$1,280,000	4,762
Net interest income	$3,131,000	4,503
Provision for loan and lease losses	$126,000	3,804
Total noninterest income	$318,000	5,645
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$188,000	4,601
Trading account gains and fees	$0	126
Additional Noninterest Income	$130,000	5,457
Total noninterest expense	$2,454,000	4,484
Salaries and employee benefits	$1,598,000	3,908
Premises and equipment expense	$374,000	4,172
Additional noninterest expense	$482,000	5,822
Pre-tax net operating income	$869,000	5,113
Securities gains (losses)	$-15,000	8,058
Applicable income taxes	$697,000	2,395
Income before extraordinary items	$157,000	7,678
Extraordinary gains, net	$0	35
Net income	$157,000	7,678
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$416,000	968
Cash dividends	$385,000	3,194
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$166,600	7,595
2005-06-30 (YTD Data)		Rank
Total interest income	$2,903,000	4,601
Total interest expense	$818,000	4,716
Net interest income	$2,085,000	4,492
Provision for loan and lease losses	$84,000	3,691
Total noninterest income	$215,000	5,574
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$126,000	4,551
Trading account gains and fees	$0	116
Additional Noninterest Income	$89,000	5,401
Total noninterest expense	$1,634,000	4,472
Salaries and employee benefits	$1,043,000	3,945
Premises and equipment expense	$253,000	4,114
Additional noninterest expense	$338,000	5,645
Pre-tax net operating income	$582,000	5,078
Securities gains (losses)	$3,000	1,754
Applicable income taxes	$685,000	1,813
Income before extraordinary items	$-100,000	8,513
Extraordinary gains, net	$0	30
Net income	$-100,000	8,513
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$337,000	817
Cash dividends	$125,000	4,058
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$-101,920	8,491
2005-03-31 (YTD Data)		Rank
Total interest income	$1,435,000	4,614
Total interest expense	$381,000	4,816
Net interest income	$1,054,000	4,454
Provision for loan and lease losses	$42,000	3,553
Total noninterest income	$66,000	6,549
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$56,000	4,748
Trading account gains and fees	$0	115
Additional Noninterest Income	$10,000	7,741
Total noninterest expense	$889,000	4,213
Salaries and employee benefits	$522,000	3,965
Premises and equipment expense	$162,000	3,432
Additional noninterest expense	$205,000	4,984
Pre-tax net operating income	$189,000	6,076
Securities gains (losses)	$1,000	1,514
Applicable income taxes	$671,000	1,046
Income before extraordinary items	$-481,000	8,865
Extraordinary gains, net	$0	24
Net income	$-481,000	8,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$288,000	528
Cash dividends	$125,000	2,728
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-481,640	8,849
2004-12-31 (YTD Data)		Rank
Total interest income	$5,580,000	4,498
Total interest expense	$1,505,000	4,503
Net interest income	$4,075,000	4,423
Provision for loan and lease losses	$216,000	3,566
Total noninterest income	$426,000	5,656
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$248,000	4,763
Trading account gains and fees	$0	138
Additional Noninterest Income	$178,000	5,349
Total noninterest expense	$2,970,000	4,693
Salaries and employee benefits	$1,914,000	4,139
Premises and equipment expense	$438,000	4,501
Additional noninterest expense	$618,000	5,888
Pre-tax net operating income	$1,315,000	4,566
Securities gains (losses)	$7,000	3,010
Applicable income taxes	$391,000	3,756
Income before extraordinary items	$931,000	4,882
Extraordinary gains, net	$0	34
Net income	$931,000	4,882
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	5,856
Cash dividends	$220,000	4,752
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$926,100	4,830
2004-09-30 (YTD Data)		Rank
Total interest income	$4,153,000	4,499
Total interest expense	$1,128,000	4,470
Net interest income	$3,025,000	4,441
Provision for loan and lease losses	$162,000	3,396
Total noninterest income	$328,000	5,620
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$191,000	4,744
Trading account gains and fees	$0	134
Additional Noninterest Income	$137,000	5,322
Total noninterest expense	$2,252,000	4,624
Salaries and employee benefits	$1,448,000	4,072
Premises and equipment expense	$350,000	4,288
Additional noninterest expense	$454,000	5,915
Pre-tax net operating income	$939,000	4,759
Securities gains (losses)	$2,000	3,384
Applicable income taxes	$282,000	3,895
Income before extraordinary items	$659,000	5,117
Extraordinary gains, net	$0	26
Net income	$659,000	5,117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	4,844
Cash dividends	$220,000	3,847
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$657,600	5,035
2004-06-30 (YTD Data)		Rank
Total interest income	$2,760,000	4,507
Total interest expense	$760,000	4,425
Net interest income	$2,000,000	4,479
Provision for loan and lease losses	$108,000	3,351
Total noninterest income	$213,000	5,678
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$128,000	4,721
Trading account gains and fees	$0	130
Additional Noninterest Income	$85,000	5,489
Total noninterest expense	$1,530,000	4,602
Salaries and employee benefits	$971,000	4,077
Premises and equipment expense	$240,000	4,198
Additional noninterest expense	$319,000	5,789
Pre-tax net operating income	$575,000	4,936
Securities gains (losses)	$0	3,413
Applicable income taxes	$173,000	4,016
Income before extraordinary items	$402,000	5,309
Extraordinary gains, net	$0	21
Net income	$402,000	5,309
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	3,843
Cash dividends	$110,000	4,106
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$402,000	5,222
2004-03-31 (YTD Data)		Rank
Total interest income	$1,374,000	4,550
Total interest expense	$382,000	4,455
Net interest income	$992,000	4,507
Provision for loan and lease losses	$54,000	3,215
Total noninterest income	$101,000	5,747
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$58,000	4,878
Trading account gains and fees	$0	121
Additional Noninterest Income	$43,000	5,417
Total noninterest expense	$844,000	4,315
Salaries and employee benefits	$486,000	4,102
Premises and equipment expense	$156,000	3,477
Additional noninterest expense	$202,000	5,044
Pre-tax net operating income	$195,000	5,875
Securities gains (losses)	$0	2,934
Applicable income taxes	$53,000	4,770
Income before extraordinary items	$142,000	6,134
Extraordinary gains, net	$0	16
Net income	$142,000	6,134
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,591
Cash dividends	$110,000	2,778
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$142,000	6,021
2003-12-31 (YTD Data)		Rank
Total interest income	$5,550,000	4,538
Total interest expense	$1,960,000	4,094
Net interest income	$3,590,000	4,709
Provision for loan and lease losses	$255,000	3,498
Total noninterest income	$360,000	6,195
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$234,000	4,903
Trading account gains and fees	$0	160
Additional Noninterest Income	$126,000	6,134
Total noninterest expense	$2,802,000	4,827
Salaries and employee benefits	$1,729,000	4,385
Premises and equipment expense	$447,000	4,389
Additional noninterest expense	$626,000	5,841
Pre-tax net operating income	$893,000	5,443
Securities gains (losses)	$17,000	3,315
Applicable income taxes	$225,000	4,742
Income before extraordinary items	$685,000	5,648
Extraordinary gains, net	$0	54
Net income	$685,000	5,650
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$759,000	1,148
Cash dividends	$100,000	5,525
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$672,250	5,525
2003-09-30 (YTD Data)		Rank
Total interest income	$4,177,000	4,587
Total interest expense	$1,548,000	4,033
Net interest income	$2,629,000	4,789
Provision for loan and lease losses	$208,000	3,284
Total noninterest income	$298,000	6,027
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$179,000	4,891
Trading account gains and fees	$0	153
Additional Noninterest Income	$119,000	5,748
Total noninterest expense	$2,150,000	4,743
Salaries and employee benefits	$1,298,000	4,374
Premises and equipment expense	$356,000	4,216
Additional noninterest expense	$496,000	5,665
Pre-tax net operating income	$569,000	5,999
Securities gains (losses)	$18,000	3,018
Applicable income taxes	$142,000	5,181
Income before extraordinary items	$445,000	6,124
Extraordinary gains, net	$0	40
Net income	$445,000	6,125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$744,000	855
Cash dividends	$100,000	4,694
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$431,320	6,019
2003-06-30 (YTD Data)		Rank
Total interest income	$2,830,000	4,570
Total interest expense	$1,108,000	3,927
Net interest income	$1,722,000	4,856
Provision for loan and lease losses	$139,000	3,249
Total noninterest income	$198,000	6,037
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$117,000	4,913
Trading account gains and fees	$0	150
Additional Noninterest Income	$81,000	5,693
Total noninterest expense	$1,430,000	4,731
Salaries and employee benefits	$868,000	4,359
Premises and equipment expense	$244,000	4,124
Additional noninterest expense	$318,000	5,776
Pre-tax net operating income	$351,000	6,166
Securities gains (losses)	$15,000	2,750
Applicable income taxes	$86,000	5,320
Income before extraordinary items	$280,000	6,250
Extraordinary gains, net	$0	30
Net income	$280,000	6,249
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$598,000	755
Cash dividends	$100,000	4,223
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$268,450	6,151
2003-03-31 (YTD Data)		Rank
Total interest income	$1,390,000	4,652
Total interest expense	$572,000	3,910
Net interest income	$818,000	5,009
Provision for loan and lease losses	$70,000	3,059
Total noninterest income	$104,000	5,817
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$59,000	4,806
Trading account gains and fees	$0	134
Additional Noninterest Income	$45,000	5,466
Total noninterest expense	$733,000	4,653
Salaries and employee benefits	$435,000	4,358
Premises and equipment expense	$142,000	3,648
Additional noninterest expense	$156,000	5,791
Pre-tax net operating income	$119,000	6,916
Securities gains (losses)	$0	2,891
Applicable income taxes	$38,000	5,468
Income before extraordinary items	$81,000	7,262
Extraordinary gains, net	$0	21
Net income	$81,000	7,263
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$537,000	472
Cash dividends	$100,000	2,874
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$81,000	7,110
2002-12-31 (YTD Data)		Rank
Total interest income	$6,020,000	4,547
Total interest expense	$2,874,000	3,651
Net interest income	$3,146,000	5,142
Provision for loan and lease losses	$1,207,000	1,125
Total noninterest income	$460,000	5,437
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$268,000	4,521
Trading account gains and fees	$0	153
Additional Noninterest Income	$192,000	5,118
Total noninterest expense	$2,631,000	4,907
Salaries and employee benefits	$1,542,000	4,593
Premises and equipment expense	$475,000	4,092
Additional noninterest expense	$614,000	5,837
Pre-tax net operating income	$-232,000	8,847
Securities gains (losses)	$6,000	3,879
Applicable income taxes	$-172,000	9,127
Income before extraordinary items	$-54,000	8,796
Extraordinary gains, net	$0	70
Net income	$-54,000	8,796
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$187,000	3,119
Cash dividends	$110,000	5,480
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-57,840	8,738
2001-12-31 (YTD Data)		Rank
Total interest income	$6,121,000	4,895
Total interest expense	$3,717,000	4,028
Net interest income	$2,404,000	5,848
Provision for loan and lease losses	$266,000	3,478
Total noninterest income	$471,000	5,228
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$278,000	4,355
Trading account gains and fees	$0	177
Additional Noninterest Income	$193,000	5,009
Total noninterest expense	$2,658,000	4,754
Salaries and employee benefits	$1,584,000	4,336
Premises and equipment expense	$481,000	4,024
Additional noninterest expense	$593,000	5,880
Pre-tax net operating income	$-49,000	8,807
Securities gains (losses)	$0	4,612
Applicable income taxes	$-112,000	9,280
Income before extraordinary items	$63,000	8,545
Extraordinary gains, net	$0	105
Net income	$63,000	8,543
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$428,000	1,745
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$600,000	473
Net operating income	$63,000	8,450
2000-12-31 (YTD Data)		Rank
Total interest income	$5,940,000	5,119
Total interest expense	$3,380,000	4,499
Net interest income	$2,560,000	5,716
Provision for loan and lease losses	$120,000	4,828
Total noninterest income	$382,000	5,643
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$213,000	4,942
Trading account gains and fees	NA	NA
Additional Noninterest Income	$169,000	5,202
Total noninterest expense	$2,343,000	5,086
Salaries and employee benefits	$1,401,000	4,615
Premises and equipment expense	$447,000	4,161
Additional noninterest expense	$495,000	6,465
Pre-tax net operating income	$479,000	7,098
Securities gains (losses)	$-28,000	8,903
Applicable income taxes	$63,000	7,036
Income before extraordinary items	$388,000	6,926
Extraordinary gains, net	$0	38
Net income	$388,000	6,924
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$367,000	1,573
Cash dividends	$125,000	5,708
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$412,080	6,789
1999-12-31 (YTD Data)		Rank
Total interest income	$4,726,000	5,765
Total interest expense	$2,636,000	5,047
Net interest income	$2,090,000	6,475
Provision for loan and lease losses	$105,000	5,113
Total noninterest income	$279,000	6,640
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$168,000	5,563
Trading account gains and fees	NA	NA
Additional Noninterest Income	$111,000	6,379
Total noninterest expense	$1,894,000	5,876
Salaries and employee benefits	$1,133,000	5,389
Premises and equipment expense	$333,000	5,141
Additional noninterest expense	$428,000	7,062
Pre-tax net operating income	$370,000	7,741
Securities gains (losses)	$78,000	827
Applicable income taxes	$70,000	7,338
Income before extraordinary items	$378,000	7,107
Extraordinary gains, net	$0	35
Net income	$378,000	7,108
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	7,765
Cash dividends	$100,000	6,057
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$312,480	7,496
1998-12-31 (YTD Data)		Rank
Total interest income	$4,517,000	6,044
Total interest expense	$2,339,000	5,612
Net interest income	$2,178,000	6,330
Provision for loan and lease losses	$141,000	4,306
Total noninterest income	$275,000	6,712
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	5,561
Trading account gains and fees	NA	NA
Additional Noninterest Income	$103,000	6,565
Total noninterest expense	$1,853,000	5,879
Salaries and employee benefits	$1,187,000	5,099
Premises and equipment expense	$226,000	6,324
Additional noninterest expense	$440,000	6,886
Pre-tax net operating income	$459,000	7,589
Securities gains (losses)	$-9,000	10,176
Applicable income taxes	$73,000	7,940
Income before extraordinary items	$377,000	7,356
Extraordinary gains, net	$0	32
Net income	$377,000	7,355
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$205,000	2,403
Cash dividends	$50,000	6,861
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$384,560	7,230
1997-12-31 (YTD Data)		Rank
Total interest income	$4,193,000	6,478
Total interest expense	$2,122,000	6,043
Net interest income	$2,071,000	6,773
Provision for loan and lease losses	$270,000	2,814
Total noninterest income	$239,000	7,344
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$138,000	6,394
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	6,756
Total noninterest expense	$1,480,000	6,838
Salaries and employee benefits	$964,000	5,986
Premises and equipment expense	$174,000	7,310
Additional noninterest expense	$342,000	7,882
Pre-tax net operating income	$560,000	7,618
Securities gains (losses)	$-28,000	10,488
Applicable income taxes	$113,000	8,198
Income before extraordinary items	$419,000	7,519
Extraordinary gains, net	$0	44
Net income	$419,000	7,522
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$358,000	1,739
Cash dividends	$50,000	7,161
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$441,120	7,319
1996-12-31 (YTD Data)		Rank
Total interest income	$4,055,000	6,808
Total interest expense	$2,121,000	6,181
Net interest income	$1,934,000	7,287
Provision for loan and lease losses	$657,000	1,395
Total noninterest income	$245,000	7,655
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$133,000	6,794
Trading account gains and fees	NA	NA
Additional Noninterest Income	$112,000	6,807
Total noninterest expense	$1,265,000	7,775
Salaries and employee benefits	$842,000	6,761
Premises and equipment expense	$159,000	7,849
Additional noninterest expense	$264,000	9,251
Pre-tax net operating income	$257,000	9,436
Securities gains (losses)	$-135,000	11,256
Applicable income taxes	$-153,000	11,236
Income before extraordinary items	$275,000	8,633
Extraordinary gains, net	$0	53
Net income	$275,000	8,631
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$126,000	3,498
Cash dividends	$104,000	6,603
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$410,000	7,480
1995-12-31 (YTD Data)		Rank
Total interest income	$3,538,000	7,505
Total interest expense	$1,696,000	7,150
Net interest income	$1,842,000	7,666
Provision for loan and lease losses	$210,000	2,900
Total noninterest income	$236,000	7,897
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	7,092
Trading account gains and fees	NA	NA
Additional Noninterest Income	$106,000	7,051
Total noninterest expense	$1,411,000	7,553
Salaries and employee benefits	$987,000	6,133
Premises and equipment expense	$151,000	8,239
Additional noninterest expense	$273,000	9,562
Pre-tax net operating income	$457,000	8,708
Securities gains (losses)	$-91,000	11,448
Applicable income taxes	$93,000	9,312
Income before extraordinary items	$273,000	9,201
Extraordinary gains, net	$0	65
Net income	$273,000	9,205
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,914
Cash dividends	$90,000	6,999
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$341,250	8,525
1994-12-31 (YTD Data)		Rank
Total interest income	$3,054,000	7,954
Total interest expense	$1,335,000	7,442
Net interest income	$1,719,000	8,254
Provision for loan and lease losses	$100,000	4,522
Total noninterest income	$199,000	8,753
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$115,000	7,712
Trading account gains and fees	NA	NA
Additional Noninterest Income	$84,000	8,071
Total noninterest expense	$1,163,000	8,754
Salaries and employee benefits	$747,000	7,538
Premises and equipment expense	$134,000	8,981
Additional noninterest expense	$282,000	10,164
Pre-tax net operating income	$655,000	7,681
Securities gains (losses)	$-31,000	10,677
Applicable income taxes	$103,000	9,288
Income before extraordinary items	$521,000	7,144
Extraordinary gains, net	$0	249
Net income	$521,000	7,153
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,693
Cash dividends	$90,000	7,108
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$546,730	6,992
1993-12-31 (YTD Data)		Rank
Total interest income	$2,969,000	8,388
Total interest expense	$1,355,000	7,692
Net interest income	$1,614,000	8,761
Provision for loan and lease losses	$24,000	8,778
Total noninterest income	$190,000	9,414
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$100,000	8,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$90,000	8,232
Total noninterest expense	$1,074,000	9,426
Salaries and employee benefits	$685,000	8,101
Premises and equipment expense	$115,000	9,950
Additional noninterest expense	$274,000	10,774
Pre-tax net operating income	$706,000	7,333
Securities gains (losses)	$185,000	1,780
Applicable income taxes	$243,000	6,914
Income before extraordinary items	$648,000	6,436
Extraordinary gains, net	$-4,000	12,212
Net income	$644,000	6,631
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-27,000	12,315
Cash dividends	$80,000	7,275
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$512,950	7,203
1992-12-31 (YTD Data)		Rank
Total interest income	$3,139,000	8,739
Total interest expense	$1,659,000	8,019
Net interest income	$1,480,000	9,337
Provision for loan and lease losses	$42,000	9,403
Total noninterest income	$160,000	10,293
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$87,000	8,930
Trading account gains and fees	NA	NA
Additional Noninterest Income	$73,000	9,151
Total noninterest expense	$987,000	10,037
Salaries and employee benefits	$589,000	8,907
Premises and equipment expense	$99,000	10,778
Additional noninterest expense	$299,000	10,840
Pre-tax net operating income	$611,000	7,628
Securities gains (losses)	$196,000	2,038
Applicable income taxes	$193,000	7,695
Income before extraordinary items	$614,000	6,480
Extraordinary gains, net	$0	1,422
Net income	$614,000	6,552
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	10,870
Cash dividends	$80,000	6,992
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$465,040	7,265

* 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.