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Milford Federal Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$18,267,000	2,010
Total interest expense	$5,724,000	1,875
Net interest income	$12,543,000	2,052
Provision for loan and lease losses	$-59,000	4,289
Total noninterest income	$1,884,000	2,079
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$433,000	1,805
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,451,000	1,914
Total noninterest expense	$11,854,000	1,823
Salaries and employee benefits	$7,074,000	1,749
Premises and equipment expense	$1,213,000	1,795
Additional noninterest expense	$1,451,000	1,914
Pre-tax net operating income	$2,632,000	2,651
Securities gains (losses)	$0	988
Applicable income taxes	$627,000	1,748
Income before extraordinary items	$2,005,000	2,787
Extraordinary gains, net	$0	54
Net income	$2,005,000	2,815
Minority interest net income	$0	88
Net income of bank and minority interests.	$2,005,000	2,789
Net charge-offs	$28,000	2,061
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$2,005,000	2,821
2023-09-30 (YTD Data)		Rank
Total interest income	$13,443,000	2,007
Total interest expense	$3,948,000	1,842
Net interest income	$9,495,000	2,057
Provision for loan and lease losses	$-31,000	4,309
Total noninterest income	$1,409,000	2,079
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$323,000	1,819
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,086,000	1,909
Total noninterest expense	$9,071,000	1,800
Salaries and employee benefits	$5,476,000	1,716
Premises and equipment expense	$941,000	1,757
Additional noninterest expense	$1,086,000	1,909
Pre-tax net operating income	$1,864,000	2,775
Securities gains (losses)	$0	849
Applicable income taxes	$439,000	1,844
Income before extraordinary items	$1,425,000	2,901
Extraordinary gains, net	$0	52
Net income	$1,425,000	2,931
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,425,000	2,902
Net charge-offs	$27,000	1,761
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$1,425,000	2,929
2023-06-30 (YTD Data)		Rank
Total interest income	$8,768,000	2,013
Total interest expense	$2,347,000	1,833
Net interest income	$6,421,000	2,061
Provision for loan and lease losses	$71,000	2,022
Total noninterest income	$943,000	2,026
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$221,000	1,782
Trading account gains and fees	NA	NA
Additional Noninterest Income	$722,000	1,853
Total noninterest expense	$6,116,000	1,778
Salaries and employee benefits	$3,769,000	1,670
Premises and equipment expense	$643,000	1,714
Additional noninterest expense	$722,000	1,851
Pre-tax net operating income	$1,177,000	2,866
Securities gains (losses)	$0	938
Applicable income taxes	$274,000	1,911
Income before extraordinary items	$903,000	2,993
Extraordinary gains, net	$0	51
Net income	$903,000	3,026
Minority interest net income	$0	81
Net income of bank and minority interests.	$903,000	2,992
Net charge-offs	$9,000	1,852
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$903,000	3,009
2023-03-31 (YTD Data)		Rank
Total interest income	$4,276,000	2,021
Total interest expense	$920,000	1,929
Net interest income	$3,356,000	2,006
Provision for loan and lease losses	$62,000	1,552
Total noninterest income	$464,000	2,045
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$113,000	1,768
Trading account gains and fees	NA	NA
Additional Noninterest Income	$351,000	1,865
Total noninterest expense	$3,175,000	1,747
Salaries and employee benefits	$2,008,000	1,635
Premises and equipment expense	$336,000	1,699
Additional noninterest expense	$351,000	1,865
Pre-tax net operating income	$583,000	2,932
Securities gains (losses)	$0	950
Applicable income taxes	$135,000	1,942
Income before extraordinary items	$448,000	3,054
Extraordinary gains, net	$0	4
Net income	$448,000	3,053
Minority interest net income	$0	48
Net income of bank and minority interests.	$448,000	3,054
Net charge-offs	$6,000	1,532
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$448,000	3,075
2022-12-31 (YTD Data)		Rank
Total interest income	$14,231,000	2,038
Total interest expense	$1,047,000	2,368
Net interest income	$13,184,000	1,972
Provision for loan and lease losses	$203,000	1,779
Total noninterest income	$2,331,000	1,891
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$451,000	1,800
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,880,000	1,682
Total noninterest expense	$12,454,000	1,732
Salaries and employee benefits	$7,572,000	1,644
Premises and equipment expense	$1,386,000	1,615
Additional noninterest expense	$1,880,000	1,682
Pre-tax net operating income	$2,858,000	2,714
Securities gains (losses)	$-70,000	3,819
Applicable income taxes	$687,000	1,822
Income before extraordinary items	$2,101,000	2,892
Extraordinary gains, net	$0	5
Net income	$2,101,000	2,889
Minority interest net income	$0	63
Net income of bank and minority interests.	$2,101,000	2,891
Net charge-offs	$3,000	2,416
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$2,156,300	2,887
2022-09-30 (YTD Data)		Rank
Total interest income	$10,223,000	2,044
Total interest expense	$611,000	2,383
Net interest income	$9,612,000	1,987
Provision for loan and lease losses	$75,000	2,065
Total noninterest income	$1,473,000	2,090
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$339,000	1,809
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,134,000	1,920
Total noninterest expense	$9,348,000	1,728
Salaries and employee benefits	$5,744,000	1,619
Premises and equipment expense	$1,030,000	1,645
Additional noninterest expense	$1,134,000	1,920
Pre-tax net operating income	$1,662,000	2,990
Securities gains (losses)	$-70,000	4,156
Applicable income taxes	$-53,000	4,639
Income before extraordinary items	$1,645,000	2,821
Extraordinary gains, net	$0	4
Net income	$1,645,000	2,819
Minority interest net income	$0	57
Net income of bank and minority interests.	$1,645,000	2,820
Net charge-offs	$2,000	2,177
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$1,715,000	2,799
2022-06-30 (YTD Data)		Rank
Total interest income	$6,530,000	2,057
Total interest expense	$375,000	2,368
Net interest income	$6,155,000	2,012
Provision for loan and lease losses	$50,000	1,907
Total noninterest income	$1,043,000	2,022
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$219,000	1,839
Trading account gains and fees	NA	NA
Additional Noninterest Income	$824,000	1,882
Total noninterest expense	$6,174,000	1,720
Salaries and employee benefits	$3,778,000	1,628
Premises and equipment expense	$705,000	1,619
Additional noninterest expense	$1,691,000	1,826
Pre-tax net operating income	$974,000	3,044
Securities gains (losses)	$-70,000	4,300
Applicable income taxes	$216,000	2,066
Income before extraordinary items	$688,000	3,233
Extraordinary gains, net	$0	4
Net income	$688,000	3,232
Minority interest net income	$0	60
Net income of bank and minority interests.	$688,000	3,233
Net charge-offs	$0	2,156
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$743,300	3,170
2022-03-31 (YTD Data)		Rank
Total interest income	$3,169,000	2,058
Total interest expense	$177,000	2,404
Net interest income	$2,992,000	2,005
Provision for loan and lease losses	$25,000	1,702
Total noninterest income	$572,000	1,920
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$110,000	1,821
Trading account gains and fees	NA	NA
Additional Noninterest Income	$462,000	1,752
Total noninterest expense	$3,119,000	1,698
Salaries and employee benefits	$1,932,000	1,611
Premises and equipment expense	$372,000	1,575
Additional noninterest expense	$815,000	1,854
Pre-tax net operating income	$420,000	3,091
Securities gains (losses)	$-41,000	4,420
Applicable income taxes	$91,000	2,118
Income before extraordinary items	$288,000	3,315
Extraordinary gains, net	$0	4
Net income	$288,000	3,313
Minority interest net income	$0	50
Net income of bank and minority interests.	$288,000	3,315
Net charge-offs	$0	1,838
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$320,390	3,219
2021-12-31 (YTD Data)		Rank
Total interest income	$12,684,000	2,103
Total interest expense	$1,239,000	1,909
Net interest income	$11,445,000	2,106
Provision for loan and lease losses	$100,000	2,175
Total noninterest income	$4,624,000	1,378
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$374,000	1,939
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,250,000	1,195
Total noninterest expense	$13,362,000	1,597
Salaries and employee benefits	$8,463,000	1,497
Premises and equipment expense	$1,465,000	1,546
Additional noninterest expense	$3,434,000	1,791
Pre-tax net operating income	$2,607,000	2,855
Securities gains (losses)	$-23,000	4,452
Applicable income taxes	$662,000	1,911
Income before extraordinary items	$1,922,000	3,073
Extraordinary gains, net	$0	10
Net income	$1,922,000	3,073
Minority interest net income	$0	74
Net income of bank and minority interests.	$1,922,000	3,073
Net charge-offs	$12,000	2,234
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$1,940,170	3,039
2021-09-30 (YTD Data)		Rank
Total interest income	$9,501,000	2,152
Total interest expense	$988,000	1,907
Net interest income	$8,513,000	2,148
Provision for loan and lease losses	$75,000	2,140
Total noninterest income	$3,860,000	1,320
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$259,000	2,037
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,601,000	1,124
Total noninterest expense	$9,879,000	1,611
Salaries and employee benefits	$6,317,000	1,498
Premises and equipment expense	$1,067,000	1,609
Additional noninterest expense	$2,495,000	1,833
Pre-tax net operating income	$2,419,000	2,708
Securities gains (losses)	$-16,000	4,606
Applicable income taxes	$627,000	1,816
Income before extraordinary items	$1,776,000	2,942
Extraordinary gains, net	$0	8
Net income	$1,776,000	2,942
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,776,000	2,942
Net charge-offs	$12,000	1,915
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$1,788,640	2,904
2021-06-30 (YTD Data)		Rank
Total interest income	$6,286,000	2,162
Total interest expense	$688,000	1,921
Net interest income	$5,598,000	2,162
Provision for loan and lease losses	$50,000	2,139
Total noninterest income	$2,020,000	1,513
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$164,000	2,046
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,856,000	1,350
Total noninterest expense	$6,756,000	1,579
Salaries and employee benefits	$4,169,000	1,509
Premises and equipment expense	$728,000	1,585
Additional noninterest expense	$1,859,000	1,669
Pre-tax net operating income	$812,000	3,514
Securities gains (losses)	$-10,000	4,648
Applicable income taxes	$193,000	2,320
Income before extraordinary items	$609,000	3,696
Extraordinary gains, net	$0	6
Net income	$609,000	3,696
Minority interest net income	$0	67
Net income of bank and minority interests.	$609,000	3,696
Net charge-offs	$12,000	1,675
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$616,900	3,660
2021-03-31 (YTD Data)		Rank
Total interest income	$3,105,000	2,166
Total interest expense	$363,000	1,921
Net interest income	$2,742,000	2,168
Provision for loan and lease losses	$25,000	2,154
Total noninterest income	$1,020,000	1,498
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$81,000	2,045
Trading account gains and fees	NA	NA
Additional Noninterest Income	$939,000	1,325
Total noninterest expense	$3,303,000	1,596
Salaries and employee benefits	$2,159,000	1,451
Premises and equipment expense	$383,000	1,530
Additional noninterest expense	$761,000	1,902
Pre-tax net operating income	$434,000	3,394
Securities gains (losses)	$-4,000	4,602
Applicable income taxes	$105,000	2,256
Income before extraordinary items	$325,000	3,615
Extraordinary gains, net	$0	3
Net income	$325,000	3,615
Minority interest net income	$0	55
Net income of bank and minority interests.	$325,000	3,615
Net charge-offs	$17,000	1,197
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$328,160	3,579
2020-12-31 (YTD Data)		Rank
Total interest income	$13,530,000	2,037
Total interest expense	$2,500,000	1,705
Net interest income	$11,030,000	2,090
Provision for loan and lease losses	$100,000	3,523
Total noninterest income	$3,926,000	1,477
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$350,000	2,059
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,576,000	1,302
Total noninterest expense	$13,072,000	1,589
Salaries and employee benefits	$8,394,000	1,445
Premises and equipment expense	$1,459,000	1,540
Additional noninterest expense	$3,219,000	1,821
Pre-tax net operating income	$1,784,000	3,070
Securities gains (losses)	$242,000	934
Applicable income taxes	$515,000	1,923
Income before extraordinary items	$1,511,000	3,184
Extraordinary gains, net	$0	4
Net income	$1,511,000	3,183
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,511,000	3,184
Net charge-offs	$1,000	3,386
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$-1,000	4,910
Net operating income	$1,319,820	3,272
2020-09-30 (YTD Data)		Rank
Total interest income	$10,253,000	2,025
Total interest expense	$2,045,000	1,676
Net interest income	$8,208,000	2,095
Provision for loan and lease losses	$73,000	3,519
Total noninterest income	$2,628,000	1,542
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$254,000	2,089
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,374,000	1,350
Total noninterest expense	$9,338,000	1,635
Salaries and employee benefits	$5,984,000	1,499
Premises and equipment expense	$1,088,000	1,548
Additional noninterest expense	$2,266,000	1,888
Pre-tax net operating income	$1,425,000	3,018
Securities gains (losses)	$245,000	804
Applicable income taxes	$431,000	1,832
Income before extraordinary items	$1,239,000	3,083
Extraordinary gains, net	$0	4
Net income	$1,239,000	3,082
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,239,000	3,083
Net charge-offs	$-1,000	3,797
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,045,450	3,245
2020-06-30 (YTD Data)		Rank
Total interest income	$6,966,000	2,017
Total interest expense	$1,486,000	1,656
Net interest income	$5,480,000	2,104
Provision for loan and lease losses	$45,000	3,499
Total noninterest income	$1,363,000	1,711
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$174,000	2,083
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,189,000	1,504
Total noninterest expense	$6,249,000	1,623
Salaries and employee benefits	$3,985,000	1,488
Premises and equipment expense	$743,000	1,524
Additional noninterest expense	$1,521,000	1,862
Pre-tax net operating income	$549,000	3,642
Securities gains (losses)	$169,000	764
Applicable income taxes	$175,000	2,166
Income before extraordinary items	$543,000	3,565
Extraordinary gains, net	$0	4
Net income	$543,000	3,565
Minority interest net income	$0	65
Net income of bank and minority interests.	$543,000	3,565
Net charge-offs	$-1,000	3,744
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$409,490	3,784
2020-03-31 (YTD Data)		Rank
Total interest income	$3,550,000	1,989
Total interest expense	$810,000	1,674
Net interest income	$2,740,000	2,069
Provision for loan and lease losses	$18,000	3,160
Total noninterest income	$711,000	1,580
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$113,000	1,995
Trading account gains and fees	NA	NA
Additional Noninterest Income	$598,000	1,359
Total noninterest expense	$3,197,000	1,601
Salaries and employee benefits	$2,043,000	1,471
Premises and equipment expense	$356,000	1,594
Additional noninterest expense	$798,000	1,829
Pre-tax net operating income	$236,000	3,640
Securities gains (losses)	$35,000	961
Applicable income taxes	$65,000	2,231
Income before extraordinary items	$206,000	3,672
Extraordinary gains, net	$0	4
Net income	$206,000	3,673
Minority interest net income	$0	56
Net income of bank and minority interests.	$206,000	3,673
Net charge-offs	$0	2,581
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$178,350	3,791
2019-12-31 (YTD Data)		Rank
Total interest income	$14,102,000	2,021
Total interest expense	$3,083,000	1,767
Net interest income	$11,019,000	2,072
Provision for loan and lease losses	$56,000	3,331
Total noninterest income	$3,366,000	1,462
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$530,000	1,840
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,836,000	1,249
Total noninterest expense	$12,295,000	1,610
Salaries and employee benefits	$7,637,000	1,507
Premises and equipment expense	$1,440,000	1,551
Additional noninterest expense	$3,218,000	1,797
Pre-tax net operating income	$2,034,000	3,002
Securities gains (losses)	$-13,000	4,836
Applicable income taxes	$520,000	1,951
Income before extraordinary items	$1,501,000	3,277
Extraordinary gains, net	$0	11
Net income	$1,501,000	3,278
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,501,000	3,278
Net charge-offs	$0	3,726
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$1,511,270	3,237
2019-09-30 (YTD Data)		Rank
Total interest income	$10,519,000	2,054
Total interest expense	$2,193,000	1,859
Net interest income	$8,326,000	2,081
Provision for loan and lease losses	$56,000	3,036
Total noninterest income	$2,453,000	1,491
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$394,000	1,853
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,059,000	1,263
Total noninterest expense	$9,146,000	1,635
Salaries and employee benefits	$5,706,000	1,520
Premises and equipment expense	$1,083,000	1,567
Additional noninterest expense	$2,357,000	1,834
Pre-tax net operating income	$1,577,000	3,041
Securities gains (losses)	$-13,000	4,933
Applicable income taxes	$403,000	1,988
Income before extraordinary items	$1,161,000	3,289
Extraordinary gains, net	$0	11
Net income	$1,161,000	3,288
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,161,000	3,289
Net charge-offs	$1,000	3,377
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,171,270	3,254
2019-06-30 (YTD Data)		Rank
Total interest income	$6,909,000	2,082
Total interest expense	$1,354,000	1,929
Net interest income	$5,555,000	2,088
Provision for loan and lease losses	$38,000	2,954
Total noninterest income	$1,279,000	1,685
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$261,000	1,844
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,018,000	1,475
Total noninterest expense	$6,060,000	1,641
Salaries and employee benefits	$3,731,000	1,552
Premises and equipment expense	$750,000	1,520
Additional noninterest expense	$1,579,000	1,852
Pre-tax net operating income	$736,000	3,502
Securities gains (losses)	$-13,000	4,984
Applicable income taxes	$177,000	2,291
Income before extraordinary items	$546,000	3,761
Extraordinary gains, net	$0	11
Net income	$546,000	3,760
Minority interest net income	$0	69
Net income of bank and minority interests.	$546,000	3,760
Net charge-offs	$2,000	2,996
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$556,270	3,704
2019-03-31 (YTD Data)		Rank
Total interest income	$3,427,000	2,081
Total interest expense	$634,000	1,987
Net interest income	$2,793,000	2,071
Provision for loan and lease losses	$19,000	2,802
Total noninterest income	$592,000	1,743
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$125,000	1,898
Trading account gains and fees	NA	NA
Additional Noninterest Income	$467,000	1,512
Total noninterest expense	$3,012,000	1,654
Salaries and employee benefits	$1,880,000	1,553
Premises and equipment expense	$394,000	1,478
Additional noninterest expense	$738,000	1,946
Pre-tax net operating income	$354,000	3,561
Securities gains (losses)	$0	1,087
Applicable income taxes	$86,000	2,269
Income before extraordinary items	$268,000	3,760
Extraordinary gains, net	$0	5
Net income	$268,000	3,759
Minority interest net income	$0	52
Net income of bank and minority interests.	$268,000	3,759
Net charge-offs	$0	2,740
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$268,000	3,751
2018-12-31 (YTD Data)		Rank
Total interest income	$12,651,000	2,120
Total interest expense	$1,795,000	2,080
Net interest income	$10,856,000	2,102
Provision for loan and lease losses	$75,000	3,250
Total noninterest income	$2,914,000	1,581
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$520,000	1,927
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,394,000	1,326
Total noninterest expense	$12,001,000	1,624
Salaries and employee benefits	$7,245,000	1,553
Premises and equipment expense	$1,435,000	1,564
Additional noninterest expense	$3,321,000	1,754
Pre-tax net operating income	$1,694,000	3,353
Securities gains (losses)	$-27,000	4,681
Applicable income taxes	$440,000	2,088
Income before extraordinary items	$1,227,000	3,640
Extraordinary gains, net	$0	6
Net income	$1,227,000	3,637
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,227,000	3,639
Net charge-offs	$44,000	2,702
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$1,248,330	3,619
2018-09-30 (YTD Data)		Rank
Total interest income	$9,346,000	2,133
Total interest expense	$1,233,000	2,123
Net interest income	$8,113,000	2,114
Provision for loan and lease losses	$56,000	3,109
Total noninterest income	$2,243,000	1,568
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$387,000	1,948
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,856,000	1,318
Total noninterest expense	$8,947,000	1,625
Salaries and employee benefits	$5,452,000	1,535
Premises and equipment expense	$1,055,000	1,601
Additional noninterest expense	$2,440,000	1,792
Pre-tax net operating income	$1,353,000	3,330
Securities gains (losses)	$0	1,118
Applicable income taxes	$354,000	2,096
Income before extraordinary items	$999,000	3,573
Extraordinary gains, net	$0	5
Net income	$999,000	3,572
Minority interest net income	$0	66
Net income of bank and minority interests.	$999,000	3,572
Net charge-offs	$43,000	2,303
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$999,000	3,575
2018-06-30 (YTD Data)		Rank
Total interest income	$6,148,000	2,138
Total interest expense	$776,000	2,134
Net interest income	$5,372,000	2,124
Provision for loan and lease losses	$38,000	3,005
Total noninterest income	$1,478,000	1,581
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$255,000	1,956
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,223,000	1,339
Total noninterest expense	$6,030,000	1,612
Salaries and employee benefits	$3,707,000	1,516
Premises and equipment expense	$721,000	1,576
Additional noninterest expense	$1,602,000	1,815
Pre-tax net operating income	$782,000	3,513
Securities gains (losses)	$0	961
Applicable income taxes	$202,000	2,213
Income before extraordinary items	$580,000	3,779
Extraordinary gains, net	$0	6
Net income	$580,000	3,777
Minority interest net income	$0	65
Net income of bank and minority interests.	$580,000	3,778
Net charge-offs	$45,000	1,832
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$580,000	3,781
2018-03-31 (YTD Data)		Rank
Total interest income	$3,057,000	2,139
Total interest expense	$380,000	2,090
Net interest income	$2,677,000	2,139
Provision for loan and lease losses	$19,000	2,845
Total noninterest income	$759,000	1,540
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$126,000	1,971
Trading account gains and fees	NA	NA
Additional Noninterest Income	$633,000	1,288
Total noninterest expense	$2,981,000	1,640
Salaries and employee benefits	$1,853,000	1,534
Premises and equipment expense	$347,000	1,655
Additional noninterest expense	$781,000	1,857
Pre-tax net operating income	$436,000	3,310
Securities gains (losses)	$0	735
Applicable income taxes	$113,000	2,061
Income before extraordinary items	$323,000	3,572
Extraordinary gains, net	$0	7
Net income	$323,000	3,571
Minority interest net income	$0	52
Net income of bank and minority interests.	$323,000	3,572
Net charge-offs	$46,000	1,241
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$323,000	3,572
2017-12-31 (YTD Data)		Rank
Total interest income	$11,842,000	2,154
Total interest expense	$1,439,000	1,994
Net interest income	$10,403,000	2,154
Provision for loan and lease losses	$100,000	3,045
Total noninterest income	$3,171,000	1,520
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$554,000	1,887
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,617,000	1,288
Total noninterest expense	$11,346,000	1,685
Salaries and employee benefits	$7,185,000	1,548
Premises and equipment expense	$1,204,000	1,844
Additional noninterest expense	$2,957,000	1,958
Pre-tax net operating income	$2,128,000	3,008
Securities gains (losses)	$0	2,243
Applicable income taxes	$490,000	2,431
Income before extraordinary items	$1,638,000	2,995
Extraordinary gains, net	$0	9
Net income	$1,638,000	2,994
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,638,000	2,995
Net charge-offs	$2,000	3,998
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,638,000	2,973
2017-09-30 (YTD Data)		Rank
Total interest income	$8,800,000	2,179
Total interest expense	$1,056,000	1,999
Net interest income	$7,744,000	2,176
Provision for loan and lease losses	$75,000	2,940
Total noninterest income	$2,270,000	1,596
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$412,000	1,910
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,858,000	1,348
Total noninterest expense	$8,468,000	1,703
Salaries and employee benefits	$5,468,000	1,524
Premises and equipment expense	$896,000	1,870
Additional noninterest expense	$2,104,000	2,037
Pre-tax net operating income	$1,471,000	3,222
Securities gains (losses)	$0	2,274
Applicable income taxes	$553,000	1,986
Income before extraordinary items	$918,000	3,673
Extraordinary gains, net	$0	9
Net income	$918,000	3,673
Minority interest net income	$0	71
Net income of bank and minority interests.	$918,000	3,673
Net charge-offs	$3,000	3,568
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$918,000	3,647
2017-06-30 (YTD Data)		Rank
Total interest income	$5,776,000	2,183
Total interest expense	$691,000	1,983
Net interest income	$5,085,000	2,190
Provision for loan and lease losses	$50,000	2,834
Total noninterest income	$1,399,000	1,662
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$277,000	1,881
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,122,000	1,438
Total noninterest expense	$5,577,000	1,725
Salaries and employee benefits	$3,609,000	1,547
Premises and equipment expense	$555,000	1,960
Additional noninterest expense	$1,413,000	2,026
Pre-tax net operating income	$857,000	3,373
Securities gains (losses)	$0	1,906
Applicable income taxes	$319,000	2,090
Income before extraordinary items	$538,000	3,813
Extraordinary gains, net	$0	11
Net income	$538,000	3,810
Minority interest net income	$0	71
Net income of bank and minority interests.	$538,000	3,813
Net charge-offs	$9,000	2,932
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$538,000	3,793
2017-03-31 (YTD Data)		Rank
Total interest income	$2,863,000	2,189
Total interest expense	$337,000	2,001
Net interest income	$2,526,000	2,203
Provision for loan and lease losses	$25,000	2,651
Total noninterest income	$677,000	1,697
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$139,000	1,884
Trading account gains and fees	NA	NA
Additional Noninterest Income	$538,000	1,471
Total noninterest expense	$2,786,000	1,750
Salaries and employee benefits	$1,816,000	1,552
Premises and equipment expense	$283,000	1,959
Additional noninterest expense	$687,000	2,077
Pre-tax net operating income	$392,000	3,443
Securities gains (losses)	$0	1,153
Applicable income taxes	$145,000	2,148
Income before extraordinary items	$247,000	3,889
Extraordinary gains, net	$0	8
Net income	$247,000	3,887
Minority interest net income	$0	55
Net income of bank and minority interests.	$247,000	3,889
Net charge-offs	$-1,000	3,990
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$247,000	3,876
2016-12-31 (YTD Data)		Rank
Total interest income	$11,162,000	2,200
Total interest expense	$1,373,000	1,922
Net interest income	$9,789,000	2,225
Provision for loan and lease losses	$100,000	3,103
Total noninterest income	$3,662,000	1,430
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$581,000	1,841
Trading account gains and fees	$0	170
Additional Noninterest Income	$3,081,000	1,186
Total noninterest expense	$10,982,000	1,742
Salaries and employee benefits	$6,859,000	1,581
Premises and equipment expense	$1,236,000	1,815
Additional noninterest expense	$2,887,000	2,041
Pre-tax net operating income	$2,369,000	2,758
Securities gains (losses)	$0	3,212
Applicable income taxes	$895,000	1,755
Income before extraordinary items	$1,474,000	3,306
Extraordinary gains, net	$0	5
Net income	$1,474,000	3,305
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,474,000	3,305
Net charge-offs	$17,000	3,697
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,474,000	3,259
2016-09-30 (YTD Data)		Rank
Total interest income	$8,378,000	2,197
Total interest expense	$1,019,000	1,950
Net interest income	$7,359,000	2,217
Provision for loan and lease losses	$75,000	3,003
Total noninterest income	$2,623,000	1,467
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$431,000	1,860
Trading account gains and fees	$0	169
Additional Noninterest Income	$2,192,000	1,229
Total noninterest expense	$8,188,000	1,751
Salaries and employee benefits	$5,256,000	1,540
Premises and equipment expense	$784,000	2,077
Additional noninterest expense	$2,148,000	2,053
Pre-tax net operating income	$1,719,000	2,871
Securities gains (losses)	$0	3,160
Applicable income taxes	$647,000	1,831
Income before extraordinary items	$1,072,000	3,383
Extraordinary gains, net	$0	5
Net income	$1,072,000	3,381
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,072,000	3,383
Net charge-offs	$18,000	3,215
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,072,000	3,326
2016-06-30 (YTD Data)		Rank
Total interest income	$5,584,000	2,203
Total interest expense	$674,000	1,965
Net interest income	$4,910,000	2,221
Provision for loan and lease losses	$50,000	2,917
Total noninterest income	$1,554,000	1,586
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$278,000	1,897
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,276,000	1,327
Total noninterest expense	$5,478,000	1,752
Salaries and employee benefits	$3,501,000	1,546
Premises and equipment expense	$548,000	1,999
Additional noninterest expense	$1,429,000	2,070
Pre-tax net operating income	$936,000	3,203
Securities gains (losses)	$0	2,835
Applicable income taxes	$348,000	2,000
Income before extraordinary items	$588,000	3,714
Extraordinary gains, net	$0	16
Net income	$588,000	3,711
Minority interest net income	$0	71
Net income of bank and minority interests.	$588,000	3,713
Net charge-offs	$6,000	3,264
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$588,000	3,655
2016-03-31 (YTD Data)		Rank
Total interest income	$2,783,000	2,211
Total interest expense	$333,000	1,979
Net interest income	$2,450,000	2,208
Provision for loan and lease losses	$25,000	2,733
Total noninterest income	$626,000	1,789
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$133,000	1,955
Trading account gains and fees	$0	142
Additional Noninterest Income	$493,000	1,517
Total noninterest expense	$2,745,000	1,754
Salaries and employee benefits	$1,741,000	1,567
Premises and equipment expense	$292,000	1,918
Additional noninterest expense	$712,000	2,052
Pre-tax net operating income	$306,000	3,826
Securities gains (losses)	$0	2,077
Applicable income taxes	$109,000	2,387
Income before extraordinary items	$197,000	4,260
Extraordinary gains, net	$0	12
Net income	$197,000	4,257
Minority interest net income	$0	62
Net income of bank and minority interests.	$197,000	4,259
Net charge-offs	$6,000	2,526
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$197,000	4,202
2015-12-31 (YTD Data)		Rank
Total interest income	$11,116,000	2,166
Total interest expense	$1,276,000	2,017
Net interest income	$9,840,000	2,174
Provision for loan and lease losses	$324,000	1,830
Total noninterest income	$3,300,000	1,502
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$568,000	1,919
Trading account gains and fees	$0	159
Additional Noninterest Income	$2,732,000	1,238
Total noninterest expense	$10,988,000	1,726
Salaries and employee benefits	$7,039,000	1,505
Premises and equipment expense	$1,033,000	2,122
Additional noninterest expense	$2,916,000	2,060
Pre-tax net operating income	$1,828,000	3,172
Securities gains (losses)	$0	3,216
Applicable income taxes	$678,000	1,944
Income before extraordinary items	$1,150,000	3,698
Extraordinary gains, net	$0	23
Net income	$1,150,000	3,698
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,150,000	3,699
Net charge-offs	$96,000	2,692
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,150,000	3,646
2015-09-30 (YTD Data)		Rank
Total interest income	$8,353,000	2,175
Total interest expense	$950,000	2,057
Net interest income	$7,403,000	2,171
Provision for loan and lease losses	$291,000	1,546
Total noninterest income	$2,487,000	1,510
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$421,000	1,950
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,066,000	1,256
Total noninterest expense	$8,167,000	1,749
Salaries and employee benefits	$5,230,000	1,532
Premises and equipment expense	$790,000	2,129
Additional noninterest expense	$2,147,000	2,075
Pre-tax net operating income	$1,432,000	3,167
Securities gains (losses)	$0	3,031
Applicable income taxes	$534,000	1,963
Income before extraordinary items	$898,000	3,680
Extraordinary gains, net	$0	21
Net income	$898,000	3,679
Minority interest net income	$0	78
Net income of bank and minority interests.	$898,000	3,680
Net charge-offs	$94,000	2,227
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$898,000	3,636
2015-06-30 (YTD Data)		Rank
Total interest income	$5,586,000	2,170
Total interest expense	$623,000	2,092
Net interest income	$4,963,000	2,159
Provision for loan and lease losses	$226,000	1,380
Total noninterest income	$1,693,000	1,478
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$281,000	1,918
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,412,000	1,234
Total noninterest expense	$5,464,000	1,757
Salaries and employee benefits	$3,485,000	1,539
Premises and equipment expense	$547,000	2,071
Additional noninterest expense	$1,432,000	2,080
Pre-tax net operating income	$966,000	3,126
Securities gains (losses)	$0	2,636
Applicable income taxes	$362,000	1,949
Income before extraordinary items	$604,000	3,659
Extraordinary gains, net	$0	22
Net income	$604,000	3,660
Minority interest net income	$0	75
Net income of bank and minority interests.	$604,000	3,661
Net charge-offs	$88,000	1,840
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$604,000	3,604
2015-03-31 (YTD Data)		Rank
Total interest income	$2,802,000	2,160
Total interest expense	$306,000	2,135
Net interest income	$2,496,000	2,130
Provision for loan and lease losses	$98,000	1,489
Total noninterest income	$780,000	1,539
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$133,000	1,995
Trading account gains and fees	$0	152
Additional Noninterest Income	$647,000	1,256
Total noninterest expense	$2,690,000	1,784
Salaries and employee benefits	$1,700,000	1,579
Premises and equipment expense	$292,000	1,980
Additional noninterest expense	$698,000	2,113
Pre-tax net operating income	$488,000	3,059
Securities gains (losses)	$0	2,027
Applicable income taxes	$180,000	1,924
Income before extraordinary items	$308,000	3,601
Extraordinary gains, net	$0	13
Net income	$308,000	3,604
Minority interest net income	$0	64
Net income of bank and minority interests.	$308,000	3,604
Net charge-offs	$83,000	1,230
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$308,000	3,507
2014-12-31 (YTD Data)		Rank
Total interest income	$10,472,000	2,304
Total interest expense	$1,240,000	2,197
Net interest income	$9,232,000	2,299
Provision for loan and lease losses	$215,000	2,386
Total noninterest income	$2,088,000	2,041
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$606,000	1,944
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,482,000	1,784
Total noninterest expense	$10,723,000	1,782
Salaries and employee benefits	$6,862,000	1,523
Premises and equipment expense	$1,112,000	2,055
Additional noninterest expense	$2,749,000	2,206
Pre-tax net operating income	$382,000	5,290
Securities gains (losses)	$6,000	2,820
Applicable income taxes	$132,000	3,242
Income before extraordinary items	$256,000	5,517
Extraordinary gains, net	$0	17
Net income	$256,000	5,516
Minority interest net income	$0	84
Net income of bank and minority interests.	$256,000	5,517
Net charge-offs	$315,000	1,956
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$252,040	5,482
2014-09-30 (YTD Data)		Rank
Total interest income	$7,713,000	2,358
Total interest expense	$934,000	2,223
Net interest income	$6,779,000	2,358
Provision for loan and lease losses	$84,000	3,024
Total noninterest income	$1,493,000	2,120
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$452,000	1,966
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,041,000	1,884
Total noninterest expense	$7,954,000	1,795
Salaries and employee benefits	$5,086,000	1,535
Premises and equipment expense	$822,000	2,095
Additional noninterest expense	$2,046,000	2,194
Pre-tax net operating income	$234,000	5,539
Securities gains (losses)	$6,000	2,508
Applicable income taxes	$79,000	3,415
Income before extraordinary items	$161,000	5,698
Extraordinary gains, net	$0	15
Net income	$161,000	5,697
Minority interest net income	$0	81
Net income of bank and minority interests.	$161,000	5,698
Net charge-offs	$304,000	1,595
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$156,980	5,672
2014-06-30 (YTD Data)		Rank
Total interest income	$5,064,000	2,380
Total interest expense	$629,000	2,235
Net interest income	$4,435,000	2,389
Provision for loan and lease losses	$27,000	3,466
Total noninterest income	$984,000	2,110
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$299,000	1,952
Trading account gains and fees	$0	172
Additional Noninterest Income	$685,000	1,878
Total noninterest expense	$5,349,000	1,776
Salaries and employee benefits	$3,442,000	1,515
Premises and equipment expense	$574,000	2,032
Additional noninterest expense	$1,333,000	2,230
Pre-tax net operating income	$43,000	6,017
Securities gains (losses)	$0	2,580
Applicable income taxes	$0	4,568
Income before extraordinary items	$43,000	6,036
Extraordinary gains, net	$0	20
Net income	$43,000	6,037
Minority interest net income	$0	80
Net income of bank and minority interests.	$43,000	6,038
Net charge-offs	$255,000	1,384
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$43,000	6,001
2014-03-31 (YTD Data)		Rank
Total interest income	$2,488,000	2,417
Total interest expense	$317,000	2,259
Net interest income	$2,171,000	2,429
Provision for loan and lease losses	$18,000	3,030
Total noninterest income	$482,000	2,092
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$148,000	1,957
Trading account gains and fees	$0	147
Additional Noninterest Income	$334,000	1,866
Total noninterest expense	$2,744,000	1,739
Salaries and employee benefits	$1,760,000	1,493
Premises and equipment expense	$300,000	1,982
Additional noninterest expense	$684,000	2,190
Pre-tax net operating income	$-109,000	6,456
Securities gains (losses)	$0	1,715
Applicable income taxes	$-52,000	6,585
Income before extraordinary items	$-57,000	6,398
Extraordinary gains, net	$0	16
Net income	$-57,000	6,398
Minority interest net income	$0	66
Net income of bank and minority interests.	$-57,000	6,399
Net charge-offs	$253,000	805
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$-57,000	6,394
2013-12-31 (YTD Data)		Rank
Total interest income	$10,072,000	2,407
Total interest expense	$1,498,000	2,164
Net interest income	$8,574,000	2,444
Provision for loan and lease losses	$108,000	3,628
Total noninterest income	$4,920,000	1,145
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$704,000	1,824
Trading account gains and fees	$0	184
Additional Noninterest Income	$4,216,000	910
Total noninterest expense	$10,928,000	1,756
Salaries and employee benefits	$7,061,000	1,472
Premises and equipment expense	$1,050,000	2,151
Additional noninterest expense	$2,817,000	2,214
Pre-tax net operating income	$2,458,000	2,494
Securities gains (losses)	$-33,000	6,395
Applicable income taxes	$951,000	1,511
Income before extraordinary items	$1,474,000	3,189
Extraordinary gains, net	$0	29
Net income	$1,474,000	3,191
Minority interest net income	$0	90
Net income of bank and minority interests.	$1,474,000	3,192
Net charge-offs	$69,000	4,106
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$1,495,120	3,118
2013-09-30 (YTD Data)		Rank
Total interest income	$7,578,000	2,419
Total interest expense	$1,148,000	2,187
Net interest income	$6,430,000	2,452
Provision for loan and lease losses	$81,000	3,582
Total noninterest income	$4,096,000	1,089
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$517,000	1,860
Trading account gains and fees	$0	180
Additional Noninterest Income	$3,579,000	863
Total noninterest expense	$8,062,000	1,790
Salaries and employee benefits	$5,372,000	1,464
Premises and equipment expense	$803,000	2,140
Additional noninterest expense	$1,887,000	2,435
Pre-tax net operating income	$2,383,000	2,148
Securities gains (losses)	$-33,000	6,623
Applicable income taxes	$916,000	1,327
Income before extraordinary items	$1,434,000	2,745
Extraordinary gains, net	$0	25
Net income	$1,434,000	2,749
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,434,000	2,749
Net charge-offs	$61,000	3,704
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,455,120	2,637
2013-06-30 (YTD Data)		Rank
Total interest income	$5,114,000	2,386
Total interest expense	$773,000	2,209
Net interest income	$4,341,000	2,418
Provision for loan and lease losses	$54,000	3,561
Total noninterest income	$3,646,000	874
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$343,000	1,841
Trading account gains and fees	$0	157
Additional Noninterest Income	$3,303,000	668
Total noninterest expense	$5,627,000	1,720
Salaries and employee benefits	$3,660,000	1,440
Premises and equipment expense	$559,000	2,052
Additional noninterest expense	$1,408,000	2,200
Pre-tax net operating income	$2,306,000	1,535
Securities gains (losses)	$0	2,791
Applicable income taxes	$904,000	1,007
Income before extraordinary items	$1,402,000	2,044
Extraordinary gains, net	$0	22
Net income	$1,402,000	2,052
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,402,000	2,050
Net charge-offs	$61,000	3,190
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,402,000	1,965
2013-03-31 (YTD Data)		Rank
Total interest income	$2,586,000	2,389
Total interest expense	$392,000	2,240
Net interest income	$2,194,000	2,390
Provision for loan and lease losses	$27,000	3,386
Total noninterest income	$1,820,000	887
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$167,000	1,871
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,653,000	686
Total noninterest expense	$2,728,000	1,773
Salaries and employee benefits	$1,811,000	1,464
Premises and equipment expense	$298,000	1,976
Additional noninterest expense	$619,000	2,472
Pre-tax net operating income	$1,259,000	1,408
Securities gains (losses)	$0	1,966
Applicable income taxes	$495,000	925
Income before extraordinary items	$764,000	1,859
Extraordinary gains, net	$0	10
Net income	$764,000	1,860
Minority interest net income	$0	76
Net income of bank and minority interests.	$764,000	1,861
Net charge-offs	$41,000	2,562
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$764,000	1,787
2012-12-31 (YTD Data)		Rank
Total interest income	$11,120,000	2,336
Total interest expense	$1,853,000	2,276
Net interest income	$9,267,000	2,321
Provision for loan and lease losses	$208,000	3,887
Total noninterest income	$7,611,000	826
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$721,000	1,851
Trading account gains and fees	$0	166
Additional Noninterest Income	$6,890,000	630
Total noninterest expense	$12,533,000	1,555
Salaries and employee benefits	$8,036,000	1,286
Premises and equipment expense	$1,079,000	2,123
Additional noninterest expense	$3,418,000	1,921
Pre-tax net operating income	$4,137,000	1,604
Securities gains (losses)	$114,000	2,167
Applicable income taxes	$1,625,000	1,028
Income before extraordinary items	$2,626,000	2,080
Extraordinary gains, net	$0	29
Net income	$2,626,000	2,078
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,626,000	2,081
Net charge-offs	$62,000	4,780
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,553,040	2,003
2012-09-30 (YTD Data)		Rank
Total interest income	$8,499,000	2,334
Total interest expense	$1,423,000	2,314
Net interest income	$7,076,000	2,312
Provision for loan and lease losses	$181,000	3,631
Total noninterest income	$4,894,000	932
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$529,000	1,905
Trading account gains and fees	$0	157
Additional Noninterest Income	$4,365,000	709
Total noninterest expense	$9,010,000	1,616
Salaries and employee benefits	$5,727,000	1,351
Premises and equipment expense	$808,000	2,153
Additional noninterest expense	$2,475,000	1,987
Pre-tax net operating income	$2,779,000	1,794
Securities gains (losses)	$0	3,575
Applicable income taxes	$1,089,000	1,155
Income before extraordinary items	$1,690,000	2,443
Extraordinary gains, net	$0	20
Net income	$1,690,000	2,444
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,690,000	2,444
Net charge-offs	$63,000	4,363
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,690,000	2,305
2012-06-30 (YTD Data)		Rank
Total interest income	$5,682,000	2,345
Total interest expense	$966,000	2,358
Net interest income	$4,716,000	2,313
Provision for loan and lease losses	$154,000	3,312
Total noninterest income	$3,053,000	975
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$343,000	1,942
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,710,000	748
Total noninterest expense	$5,979,000	1,627
Salaries and employee benefits	$3,698,000	1,396
Premises and equipment expense	$540,000	2,136
Additional noninterest expense	$1,741,000	1,904
Pre-tax net operating income	$1,636,000	1,996
Securities gains (losses)	$0	3,178
Applicable income taxes	$639,000	1,261
Income before extraordinary items	$997,000	2,629
Extraordinary gains, net	$0	19
Net income	$997,000	2,629
Minority interest net income	$0	84
Net income of bank and minority interests.	$997,000	2,629
Net charge-offs	$52,000	4,001
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$997,000	2,486
2012-03-31 (YTD Data)		Rank
Total interest income	$2,854,000	2,370
Total interest expense	$491,000	2,420
Net interest income	$2,363,000	2,318
Provision for loan and lease losses	$127,000	2,593
Total noninterest income	$1,851,000	828
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$164,000	1,989
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,687,000	628
Total noninterest expense	$2,969,000	1,625
Salaries and employee benefits	$1,849,000	1,405
Premises and equipment expense	$264,000	2,190
Additional noninterest expense	$856,000	1,925
Pre-tax net operating income	$1,118,000	1,530
Securities gains (losses)	$0	2,210
Applicable income taxes	$439,000	992
Income before extraordinary items	$679,000	2,053
Extraordinary gains, net	$0	19
Net income	$679,000	2,054
Minority interest net income	$0	78
Net income of bank and minority interests.	$679,000	2,055
Net charge-offs	$34,000	3,328
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$679,000	1,956
2011-12-31 (YTD Data)		Rank
Total interest income	$11,798,000	2,353
Total interest expense	$2,355,000	2,437
Net interest income	$9,443,000	2,314
Provision for loan and lease losses	$217,000	4,542
Total noninterest income	$3,419,000	1,361
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,042,000	1,424
Trading account gains and fees	$0	146
Additional Noninterest Income	$2,377,000	1,213
Total noninterest expense	$11,033,000	1,755
Salaries and employee benefits	$6,896,000	1,438
Premises and equipment expense	$2,291,000	1,088
Additional noninterest expense	$1,846,000	3,352
Pre-tax net operating income	$1,612,000	2,913
Securities gains (losses)	$0	3,838
Applicable income taxes	$578,000	1,892
Income before extraordinary items	$1,034,000	3,484
Extraordinary gains, net	$0	29
Net income	$1,034,000	3,486
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,034,000	3,487
Net charge-offs	$246,000	4,041
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,034,000	3,379
2011-09-30 (YTD Data)		Rank
Total interest income	$8,832,000	2,387
Total interest expense	$1,818,000	2,461
Net interest income	$7,014,000	2,345
Provision for loan and lease losses	$50,000	5,512
Total noninterest income	$2,235,000	1,491
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$765,000	1,462
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,470,000	1,363
Total noninterest expense	$8,469,000	1,713
Salaries and employee benefits	$5,319,000	1,399
Premises and equipment expense	$1,733,000	1,087
Additional noninterest expense	$1,417,000	3,295
Pre-tax net operating income	$730,000	3,886
Securities gains (losses)	$0	3,555
Applicable income taxes	$232,000	2,527
Income before extraordinary items	$498,000	4,318
Extraordinary gains, net	$0	21
Net income	$498,000	4,320
Minority interest net income	$0	87
Net income of bank and minority interests.	$498,000	4,320
Net charge-offs	$162,000	3,944
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$498,000	4,186
2011-06-30 (YTD Data)		Rank
Total interest income	$5,849,000	2,430
Total interest expense	$1,237,000	2,488
Net interest income	$4,612,000	2,379
Provision for loan and lease losses	$25,000	5,594
Total noninterest income	$1,767,000	1,327
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$490,000	1,494
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,277,000	1,138
Total noninterest expense	$5,706,000	1,714
Salaries and employee benefits	$3,556,000	1,409
Premises and equipment expense	$1,157,000	1,100
Additional noninterest expense	$993,000	3,226
Pre-tax net operating income	$648,000	3,319
Securities gains (losses)	$0	2,914
Applicable income taxes	$208,000	2,187
Income before extraordinary items	$440,000	3,808
Extraordinary gains, net	$0	15
Net income	$440,000	3,809
Minority interest net income	$0	89
Net income of bank and minority interests.	$440,000	3,810
Net charge-offs	$128,000	3,596
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$440,000	3,702
2011-03-31 (YTD Data)		Rank
Total interest income	$2,952,000	2,415
Total interest expense	$637,000	2,513
Net interest income	$2,315,000	2,365
Provision for loan and lease losses	$6,000	5,552
Total noninterest income	$968,000	1,245
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$227,000	1,562
Trading account gains and fees	$0	158
Additional Noninterest Income	$741,000	1,031
Total noninterest expense	$2,870,000	1,723
Salaries and employee benefits	$1,781,000	1,419
Premises and equipment expense	$602,000	1,077
Additional noninterest expense	$487,000	3,262
Pre-tax net operating income	$407,000	2,929
Securities gains (losses)	$0	1,772
Applicable income taxes	$154,000	1,775
Income before extraordinary items	$253,000	3,563
Extraordinary gains, net	$0	9
Net income	$253,000	3,560
Minority interest net income	$0	86
Net income of bank and minority interests.	$253,000	3,561
Net charge-offs	$27,000	3,845
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$253,000	3,500
2010-12-31 (YTD Data)		Rank
Total interest income	$12,994,000	2,312
Total interest expense	$3,271,000	2,410
Net interest income	$9,723,000	2,255
Provision for loan and lease losses	$198,000	5,363
Total noninterest income	$4,904,000	1,109
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$4,904,000	750
Total noninterest expense	$10,627,000	1,845
Salaries and employee benefits	$6,266,000	1,562
Premises and equipment expense	$2,297,000	1,138
Additional noninterest expense	$2,064,000	3,172
Pre-tax net operating income	$3,802,000	1,314
Securities gains (losses)	$0	3,793
Applicable income taxes	$1,502,000	906
Income before extraordinary items	$2,300,000	1,790
Extraordinary gains, net	$0	29
Net income	$2,300,000	1,791
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,300,000	1,792
Net charge-offs	$206,000	4,735
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,300,000	1,711
2010-09-30 (YTD Data)		Rank
Total interest income	$9,830,000	2,347
Total interest expense	$2,543,000	2,426
Net interest income	$7,287,000	2,307
Provision for loan and lease losses	$178,000	5,070
Total noninterest income	$2,770,000	1,320
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	165
Additional Noninterest Income	$2,770,000	879
Total noninterest expense	$7,941,000	1,847
Salaries and employee benefits	$4,774,000	1,544
Premises and equipment expense	$1,714,000	1,158
Additional noninterest expense	$1,453,000	3,316
Pre-tax net operating income	$1,938,000	1,938
Securities gains (losses)	$0	3,651
Applicable income taxes	$756,000	1,260
Income before extraordinary items	$1,182,000	2,577
Extraordinary gains, net	$0	23
Net income	$1,182,000	2,574
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,182,000	2,578
Net charge-offs	$178,000	4,342
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,182,000	2,440
2010-06-30 (YTD Data)		Rank
Total interest income	$6,582,000	2,363
Total interest expense	$1,742,000	2,460
Net interest income	$4,840,000	2,306
Provision for loan and lease losses	$113,000	5,046
Total noninterest income	$1,551,000	1,480
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	152
Additional Noninterest Income	$1,551,000	953
Total noninterest expense	$5,354,000	1,837
Salaries and employee benefits	$3,230,000	1,533
Premises and equipment expense	$1,148,000	1,158
Additional noninterest expense	$976,000	3,262
Pre-tax net operating income	$924,000	2,534
Securities gains (losses)	$0	3,184
Applicable income taxes	$356,000	1,564
Income before extraordinary items	$568,000	3,173
Extraordinary gains, net	$0	19
Net income	$568,000	3,168
Minority interest net income	$0	105
Net income of bank and minority interests.	$568,000	3,171
Net charge-offs	$113,000	4,119
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$568,000	3,068
2010-03-31 (YTD Data)		Rank
Total interest income	$3,328,000	2,400
Total interest expense	$898,000	2,497
Net interest income	$2,430,000	2,314
Provision for loan and lease losses	$94,000	4,055
Total noninterest income	$956,000	1,281
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$956,000	823
Total noninterest expense	$2,740,000	1,816
Salaries and employee benefits	$1,622,000	1,538
Premises and equipment expense	$566,000	1,200
Additional noninterest expense	$552,000	2,911
Pre-tax net operating income	$552,000	2,235
Securities gains (losses)	$0	2,284
Applicable income taxes	$216,000	1,347
Income before extraordinary items	$336,000	2,911
Extraordinary gains, net	$0	16
Net income	$336,000	2,907
Minority interest net income	$0	91
Net income of bank and minority interests.	$336,000	2,911
Net charge-offs	$100,000	3,104
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$336,000	2,796
2009-12-31 (YTD Data)		Rank
Total interest income	$14,940,000	2,229
Total interest expense	$5,723,000	1,996
Net interest income	$9,217,000	2,368
Provision for loan and lease losses	$150,000	6,058
Total noninterest income	$4,454,000	1,202
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	211
Additional Noninterest Income	$4,454,000	779
Total noninterest expense	$10,775,000	1,891
Salaries and employee benefits	$5,820,000	1,703
Premises and equipment expense	$2,232,000	1,216
Additional noninterest expense	$2,723,000	2,555
Pre-tax net operating income	$2,746,000	1,455
Securities gains (losses)	$1,010,000	496
Applicable income taxes	$1,498,000	704
Income before extraordinary items	$2,258,000	1,478
Extraordinary gains, net	$0	34
Net income	$2,258,000	1,476
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,258,000	1,477
Net charge-offs	$77,000	5,916
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,611,600	1,961
2009-09-30 (YTD Data)		Rank
Total interest income	$11,494,000	2,215
Total interest expense	$4,638,000	1,950
Net interest income	$6,856,000	2,383
Provision for loan and lease losses	$131,000	5,675
Total noninterest income	$3,099,000	1,288
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	212
Additional Noninterest Income	$3,099,000	836
Total noninterest expense	$7,775,000	1,934
Salaries and employee benefits	$4,133,000	1,821
Premises and equipment expense	$1,732,000	1,190
Additional noninterest expense	$1,910,000	2,660
Pre-tax net operating income	$2,049,000	1,587
Securities gains (losses)	$1,010,000	381
Applicable income taxes	$1,222,000	723
Income before extraordinary items	$1,837,000	1,464
Extraordinary gains, net	$0	27
Net income	$1,837,000	1,462
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,837,000	1,464
Net charge-offs	$64,000	5,483
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,190,600	2,144
2009-06-30 (YTD Data)		Rank
Total interest income	$7,870,000	2,214
Total interest expense	$3,239,000	1,958
Net interest income	$4,631,000	2,354
Provision for loan and lease losses	$161,000	4,640
Total noninterest income	$2,472,000	1,121
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	193
Additional Noninterest Income	$2,472,000	743
Total noninterest expense	$5,205,000	1,958
Salaries and employee benefits	$2,634,000	1,925
Premises and equipment expense	$1,178,000	1,199
Additional noninterest expense	$1,393,000	2,497
Pre-tax net operating income	$1,737,000	1,323
Securities gains (losses)	$1,010,000	282
Applicable income taxes	$1,104,000	557
Income before extraordinary items	$1,643,000	1,155
Extraordinary gains, net	$0	21
Net income	$1,643,000	1,155
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,643,000	1,155
Net charge-offs	$8,000	6,088
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$996,600	1,795
2009-03-31 (YTD Data)		Rank
Total interest income	$4,011,000	2,204
Total interest expense	$1,644,000	2,006
Net interest income	$2,367,000	2,307
Provision for loan and lease losses	$19,000	5,935
Total noninterest income	$-536,000	8,200
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	171
Additional Noninterest Income	$-536,000	8,198
Total noninterest expense	$2,443,000	2,026
Salaries and employee benefits	$1,369,000	1,883
Premises and equipment expense	$604,000	1,192
Additional noninterest expense	$470,000	3,171
Pre-tax net operating income	$-631,000	7,440
Securities gains (losses)	$1,010,000	187
Applicable income taxes	$145,000	1,774
Income before extraordinary items	$234,000	3,577
Extraordinary gains, net	$0	15
Net income	$234,000	3,577
Minority interest net income	$0	102
Net income of bank and minority interests.	$234,000	3,578
Net charge-offs	$98,000	2,889
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-412,400	7,321
2008-12-31 (YTD Data)		Rank
Total interest income	$17,057,000	2,217
Total interest expense	$8,157,000	1,934
Net interest income	$8,900,000	2,450
Provision for loan and lease losses	$5,370,000	959
Total noninterest income	$1,557,000	2,557
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,557,000	1,550
Total noninterest expense	$9,726,000	1,986
Salaries and employee benefits	$5,926,000	1,727
Premises and equipment expense	$2,210,000	1,235
Additional noninterest expense	$1,590,000	3,477
Pre-tax net operating income	$-4,639,000	7,779
Securities gains (losses)	$653,000	300
Applicable income taxes	$434,000	1,990
Income before extraordinary items	$-4,420,000	7,773
Extraordinary gains, net	$0	39
Net income	$-4,420,000	7,772
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$189,000	4,162
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-5,073,000	7,868
2008-09-30 (YTD Data)		Rank
Total interest income	$12,886,000	2,248
Total interest expense	$6,495,000	1,899
Net interest income	$6,391,000	2,578
Provision for loan and lease losses	$42,000	6,061
Total noninterest income	$1,428,000	2,285
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,428,000	1,410
Total noninterest expense	$6,900,000	2,081
Salaries and employee benefits	$4,070,000	1,902
Premises and equipment expense	$1,661,000	1,240
Additional noninterest expense	$1,169,000	3,453
Pre-tax net operating income	$877,000	3,925
Securities gains (losses)	$560,000	292
Applicable income taxes	$550,000	1,784
Income before extraordinary items	$887,000	3,360
Extraordinary gains, net	$0	31
Net income	$887,000	3,358
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	4,571
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$528,600	4,486
2008-06-30 (YTD Data)		Rank
Total interest income	$8,700,000	2,255
Total interest expense	$4,674,000	1,856
Net interest income	$4,026,000	2,696
Provision for loan and lease losses	$-22,000	8,346
Total noninterest income	$958,000	2,299
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$958,000	1,446
Total noninterest expense	$4,615,000	2,080
Salaries and employee benefits	$2,697,000	1,927
Premises and equipment expense	$1,105,000	1,241
Additional noninterest expense	$813,000	3,319
Pre-tax net operating income	$391,000	4,841
Securities gains (losses)	$454,000	345
Applicable income taxes	$320,000	2,146
Income before extraordinary items	$525,000	3,921
Extraordinary gains, net	$0	21
Net income	$525,000	3,921
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	3,182
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$234,440	5,310
2008-03-31 (YTD Data)		Rank
Total interest income	$4,463,000	2,254
Total interest expense	$2,453,000	1,892
Net interest income	$2,010,000	2,693
Provision for loan and lease losses	$20,000	4,875
Total noninterest income	$497,000	2,247
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$497,000	1,422
Total noninterest expense	$2,277,000	2,103
Salaries and employee benefits	$1,346,000	1,953
Premises and equipment expense	$562,000	1,221
Additional noninterest expense	$369,000	3,522
Pre-tax net operating income	$210,000	4,868
Securities gains (losses)	$268,000	361
Applicable income taxes	$183,000	2,081
Income before extraordinary items	$295,000	3,830
Extraordinary gains, net	$0	15
Net income	$295,000	3,834
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	1,966
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$123,480	5,440
2007-12-31 (YTD Data)		Rank
Total interest income	$18,473,000	2,227
Total interest expense	$10,013,000	1,947
Net interest income	$8,460,000	2,591
Provision for loan and lease losses	$32,000	6,039
Total noninterest income	$1,778,000	2,404
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,778,000	1,471
Total noninterest expense	$9,346,000	1,977
Salaries and employee benefits	$5,746,000	1,760
Premises and equipment expense	$2,071,000	1,280
Additional noninterest expense	$1,529,000	3,358
Pre-tax net operating income	$860,000	5,041
Securities gains (losses)	$697,000	223
Applicable income taxes	$588,000	2,533
Income before extraordinary items	$969,000	4,386
Extraordinary gains, net	$0	39
Net income	$969,000	4,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	4,354
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$522,920	5,591
2007-09-30 (YTD Data)		Rank
Total interest income	$13,967,000	2,217
Total interest expense	$7,509,000	1,949
Net interest income	$6,458,000	2,571
Provision for loan and lease losses	$24,000	5,728
Total noninterest income	$1,312,000	2,428
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,312,000	1,509
Total noninterest expense	$7,514,000	1,821
Salaries and employee benefits	$4,844,000	1,562
Premises and equipment expense	$1,537,000	1,290
Additional noninterest expense	$1,133,000	3,340
Pre-tax net operating income	$232,000	6,836
Securities gains (losses)	$566,000	210
Applicable income taxes	$291,000	3,244
Income before extraordinary items	$507,000	5,348
Extraordinary gains, net	$0	33
Net income	$507,000	5,347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	3,810
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$144,760	7,051
2007-06-30 (YTD Data)		Rank
Total interest income	$9,299,000	2,241
Total interest expense	$4,980,000	1,966
Net interest income	$4,319,000	2,586
Provision for loan and lease losses	$0	6,209
Total noninterest income	$861,000	2,461
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$861,000	1,550
Total noninterest expense	$5,009,000	1,841
Salaries and employee benefits	$3,263,000	1,573
Premises and equipment expense	$987,000	1,348
Additional noninterest expense	$759,000	3,336
Pre-tax net operating income	$171,000	6,808
Securities gains (losses)	$377,000	213
Applicable income taxes	$203,000	3,243
Income before extraordinary items	$345,000	5,375
Extraordinary gains, net	$0	29
Net income	$345,000	5,375
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	4,237
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$103,720	7,085
2007-03-31 (YTD Data)		Rank
Total interest income	$4,652,000	2,238
Total interest expense	$2,478,000	1,958
Net interest income	$2,174,000	2,565
Provision for loan and lease losses	$0	5,779
Total noninterest income	$445,000	2,378
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$445,000	1,482
Total noninterest expense	$2,543,000	1,816
Salaries and employee benefits	$1,666,000	1,562
Premises and equipment expense	$499,000	1,345
Additional noninterest expense	$378,000	3,323
Pre-tax net operating income	$76,000	6,980
Securities gains (losses)	$164,000	237
Applicable income taxes	$89,000	3,431
Income before extraordinary items	$151,000	5,634
Extraordinary gains, net	$0	22
Net income	$151,000	5,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	7,563
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$46,040	7,203
2006-12-31 (YTD Data)		Rank
Total interest income	$18,211,000	2,160
Total interest expense	$8,696,000	1,905
Net interest income	$9,515,000	2,392
Provision for loan and lease losses	$0	6,850
Total noninterest income	$1,892,000	2,320
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$1,892,000	1,422
Total noninterest expense	$9,996,000	1,784
Salaries and employee benefits	$6,464,000	1,526
Premises and equipment expense	$1,948,000	1,326
Additional noninterest expense	$1,584,000	3,151
Pre-tax net operating income	$1,411,000	4,431
Securities gains (losses)	$527,000	243
Applicable income taxes	$767,000	2,532
Income before extraordinary items	$1,171,000	4,331
Extraordinary gains, net	$0	51
Net income	$1,171,000	4,331
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	5,661
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$833,720	5,116
2006-09-30 (YTD Data)		Rank
Total interest income	$13,510,000	2,168
Total interest expense	$6,214,000	1,931
Net interest income	$7,296,000	2,370
Provision for loan and lease losses	$0	6,685
Total noninterest income	$1,410,000	2,328
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,410,000	1,420
Total noninterest expense	$7,507,000	1,773
Salaries and employee benefits	$4,901,000	1,518
Premises and equipment expense	$1,477,000	1,325
Additional noninterest expense	$1,129,000	3,279
Pre-tax net operating income	$1,199,000	4,301
Securities gains (losses)	$347,000	250
Applicable income taxes	$616,000	2,554
Income before extraordinary items	$930,000	4,331
Extraordinary gains, net	$0	45
Net income	$930,000	4,335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	4,424
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$707,920	4,981
2006-06-30 (YTD Data)		Rank
Total interest income	$8,844,000	2,168
Total interest expense	$3,881,000	1,955
Net interest income	$4,963,000	2,338
Provision for loan and lease losses	$0	6,419
Total noninterest income	$949,000	2,301
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$949,000	1,408
Total noninterest expense	$5,012,000	1,774
Salaries and employee benefits	$3,259,000	1,530
Premises and equipment expense	$997,000	1,302
Additional noninterest expense	$756,000	3,277
Pre-tax net operating income	$900,000	4,045
Securities gains (losses)	$194,000	271
Applicable income taxes	$440,000	2,479
Income before extraordinary items	$654,000	4,230
Extraordinary gains, net	$0	39
Net income	$654,000	4,234
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	3,393
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$529,840	4,732
2006-03-31 (YTD Data)		Rank
Total interest income	$4,354,000	2,157
Total interest expense	$1,852,000	1,954
Net interest income	$2,502,000	2,328
Provision for loan and lease losses	$0	6,013
Total noninterest income	$449,000	2,350
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$449,000	1,453
Total noninterest expense	$2,491,000	1,782
Salaries and employee benefits	$1,619,000	1,542
Premises and equipment expense	$506,000	1,285
Additional noninterest expense	$366,000	3,352
Pre-tax net operating income	$460,000	3,942
Securities gains (losses)	$109,000	242
Applicable income taxes	$233,000	2,381
Income before extraordinary items	$336,000	4,125
Extraordinary gains, net	$0	21
Net income	$336,000	4,125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	3,455
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$266,240	4,693
2005-12-31 (YTD Data)		Rank
Total interest income	$16,322,000	2,046
Total interest expense	$6,195,000	1,830
Net interest income	$10,127,000	2,190
Provision for loan and lease losses	$0	7,120
Total noninterest income	$1,642,000	2,547
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,642,000	1,554
Total noninterest expense	$9,937,000	1,712
Salaries and employee benefits	$6,436,000	1,451
Premises and equipment expense	$1,903,000	1,293
Additional noninterest expense	$1,598,000	3,075
Pre-tax net operating income	$1,832,000	3,901
Securities gains (losses)	$750,000	224
Applicable income taxes	$1,057,000	2,191
Income before extraordinary items	$1,525,000	3,747
Extraordinary gains, net	$0	46
Net income	$1,525,000	3,748
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	5,564
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,045,000	4,679
2005-09-30 (YTD Data)		Rank
Total interest income	$12,003,000	2,032
Total interest expense	$4,452,000	1,803
Net interest income	$7,551,000	2,180
Provision for loan and lease losses	$0	6,899
Total noninterest income	$1,276,000	2,474
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,276,000	1,521
Total noninterest expense	$7,418,000	1,697
Salaries and employee benefits	$4,827,000	1,433
Premises and equipment expense	$1,417,000	1,286
Additional noninterest expense	$1,174,000	3,091
Pre-tax net operating income	$1,409,000	3,921
Securities gains (losses)	$585,000	238
Applicable income taxes	$816,000	2,174
Income before extraordinary items	$1,178,000	3,711
Extraordinary gains, net	$0	35
Net income	$1,178,000	3,712
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$803,600	4,710
2005-06-30 (YTD Data)		Rank
Total interest income	$7,838,000	2,013
Total interest expense	$2,862,000	1,771
Net interest income	$4,976,000	2,174
Provision for loan and lease losses	$0	6,626
Total noninterest income	$592,000	3,130
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$592,000	1,945
Total noninterest expense	$4,973,000	1,679
Salaries and employee benefits	$3,252,000	1,417
Premises and equipment expense	$961,000	1,243
Additional noninterest expense	$760,000	3,153
Pre-tax net operating income	$595,000	5,026
Securities gains (losses)	$394,000	264
Applicable income taxes	$405,000	2,595
Income before extraordinary items	$584,000	4,485
Extraordinary gains, net	$0	30
Net income	$584,000	4,486
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,029
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$331,840	5,859
2005-03-31 (YTD Data)		Rank
Total interest income	$3,867,000	2,015
Total interest expense	$1,370,000	1,740
Net interest income	$2,497,000	2,164
Provision for loan and lease losses	$0	6,226
Total noninterest income	$433,000	2,371
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$433,000	1,463
Total noninterest expense	$2,524,000	1,673
Salaries and employee benefits	$1,659,000	1,392
Premises and equipment expense	$487,000	1,241
Additional noninterest expense	$378,000	3,168
Pre-tax net operating income	$406,000	4,240
Securities gains (losses)	$221,000	233
Applicable income taxes	$257,000	2,226
Income before extraordinary items	$370,000	3,823
Extraordinary gains, net	$0	24
Net income	$370,000	3,825
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	4,435
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$228,560	5,068
2004-12-31 (YTD Data)		Rank
Total interest income	$15,528,000	1,841
Total interest expense	$5,529,000	1,486
Net interest income	$9,999,000	2,031
Provision for loan and lease losses	$9,000	7,075
Total noninterest income	$1,127,000	3,267
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,127,000	1,990
Total noninterest expense	$9,519,000	1,703
Salaries and employee benefits	$6,101,000	1,454
Premises and equipment expense	$1,769,000	1,308
Additional noninterest expense	$1,649,000	2,890
Pre-tax net operating income	$1,598,000	4,087
Securities gains (losses)	$1,538,000	210
Applicable income taxes	$1,295,000	1,800
Income before extraordinary items	$1,841,000	3,131
Extraordinary gains, net	$0	34
Net income	$1,841,000	3,130
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	6,277
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$856,680	5,032
2004-09-30 (YTD Data)		Rank
Total interest income	$11,492,000	1,847
Total interest expense	$4,120,000	1,471
Net interest income	$7,372,000	2,045
Provision for loan and lease losses	$9,000	6,765
Total noninterest income	$839,000	3,310
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$839,000	2,007
Total noninterest expense	$7,214,000	1,670
Salaries and employee benefits	$4,659,000	1,424
Premises and equipment expense	$1,320,000	1,303
Additional noninterest expense	$1,235,000	2,853
Pre-tax net operating income	$988,000	4,642
Securities gains (losses)	$945,000	283
Applicable income taxes	$792,000	2,115
Income before extraordinary items	$1,141,000	3,674
Extraordinary gains, net	$0	26
Net income	$1,141,000	3,674
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	5,881
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$536,200	5,576
2004-06-30 (YTD Data)		Rank
Total interest income	$7,600,000	1,842
Total interest expense	$2,769,000	1,436
Net interest income	$4,831,000	2,070
Provision for loan and lease losses	$4,000	6,726
Total noninterest income	$600,000	3,171
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$600,000	1,924
Total noninterest expense	$4,726,000	1,708
Salaries and employee benefits	$3,013,000	1,472
Premises and equipment expense	$896,000	1,284
Additional noninterest expense	$817,000	2,882
Pre-tax net operating income	$701,000	4,450
Securities gains (losses)	$606,000	313
Applicable income taxes	$535,000	2,092
Income before extraordinary items	$772,000	3,617
Extraordinary gains, net	$0	21
Net income	$772,000	3,617
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$384,160	5,331
2004-03-31 (YTD Data)		Rank
Total interest income	$3,783,000	1,857
Total interest expense	$1,388,000	1,448
Net interest income	$2,395,000	2,103
Provision for loan and lease losses	$4,000	6,169
Total noninterest income	$-92,000	9,109
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$-92,000	9,119
Total noninterest expense	$2,324,000	1,747
Salaries and employee benefits	$1,478,000	1,505
Premises and equipment expense	$451,000	1,293
Additional noninterest expense	$395,000	2,949
Pre-tax net operating income	$-25,000	8,668
Securities gains (losses)	$365,000	319
Applicable income taxes	$139,000	3,223
Income before extraordinary items	$201,000	5,338
Extraordinary gains, net	$0	16
Net income	$201,000	5,337
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-32,600	8,689
2003-12-31 (YTD Data)		Rank
Total interest income	$15,738,000	1,806
Total interest expense	$6,173,000	1,440
Net interest income	$9,565,000	2,048
Provision for loan and lease losses	$13,000	7,258
Total noninterest income	$2,470,000	1,968
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$2,470,000	1,240
Total noninterest expense	$9,744,000	1,648
Salaries and employee benefits	$6,040,000	1,413
Premises and equipment expense	$1,787,000	1,274
Additional noninterest expense	$1,917,000	2,511
Pre-tax net operating income	$2,278,000	3,091
Securities gains (losses)	$4,733,000	164
Applicable income taxes	$3,265,000	861
Income before extraordinary items	$3,746,000	1,654
Extraordinary gains, net	$0	54
Net income	$3,746,000	1,656
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	8,677
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$716,880	5,360
2003-09-30 (YTD Data)		Rank
Total interest income	$11,932,000	1,816
Total interest expense	$4,746,000	1,468
Net interest income	$7,186,000	2,053
Provision for loan and lease losses	$8,000	7,260
Total noninterest income	$2,181,000	1,774
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$2,181,000	1,158
Total noninterest expense	$7,152,000	1,695
Salaries and employee benefits	$4,350,000	1,484
Premises and equipment expense	$1,340,000	1,278
Additional noninterest expense	$1,462,000	2,449
Pre-tax net operating income	$2,207,000	2,637
Securities gains (losses)	$4,442,000	169
Applicable income taxes	$3,117,000	745
Income before extraordinary items	$3,532,000	1,407
Extraordinary gains, net	$0	40
Net income	$3,532,000	1,407
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	8,621
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$689,120	4,844
2003-06-30 (YTD Data)		Rank
Total interest income	$8,080,000	1,797
Total interest expense	$3,207,000	1,501
Net interest income	$4,873,000	2,005
Provision for loan and lease losses	$0	7,324
Total noninterest income	$229,000	5,680
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$229,000	3,782
Total noninterest expense	$4,682,000	1,711
Salaries and employee benefits	$2,763,000	1,561
Premises and equipment expense	$896,000	1,276
Additional noninterest expense	$1,023,000	2,317
Pre-tax net operating income	$420,000	5,740
Securities gains (losses)	$3,048,000	176
Applicable income taxes	$1,815,000	842
Income before extraordinary items	$1,653,000	1,930
Extraordinary gains, net	$0	30
Net income	$1,653,000	1,929
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	8,704
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-297,720	8,998
2003-03-31 (YTD Data)		Rank
Total interest income	$4,127,000	1,784
Total interest expense	$1,576,000	1,566
Net interest income	$2,551,000	1,910
Provision for loan and lease losses	$0	6,934
Total noninterest income	$596,000	2,010
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$596,000	1,310
Total noninterest expense	$2,345,000	1,692
Salaries and employee benefits	$1,328,000	1,603
Premises and equipment expense	$452,000	1,275
Additional noninterest expense	$565,000	2,083
Pre-tax net operating income	$802,000	2,464
Securities gains (losses)	$1,617,000	166
Applicable income taxes	$1,781,000	495
Income before extraordinary items	$638,000	2,390
Extraordinary gains, net	$0	21
Net income	$638,000	2,388
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	4,268
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-396,880	9,170
2002-12-31 (YTD Data)		Rank
Total interest income	$17,374,000	1,780
Total interest expense	$7,207,000	1,576
Net interest income	$10,167,000	1,910
Provision for loan and lease losses	$15,000	7,642
Total noninterest income	$808,000	3,963
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$808,000	2,490
Total noninterest expense	$8,523,000	1,781
Salaries and employee benefits	$5,057,000	1,601
Premises and equipment expense	$1,695,000	1,298
Additional noninterest expense	$1,771,000	2,576
Pre-tax net operating income	$2,437,000	2,941
Securities gains (losses)	$2,710,000	228
Applicable income taxes	$1,868,000	1,364
Income before extraordinary items	$3,279,000	1,831
Extraordinary gains, net	$0	70
Net income	$3,279,000	1,830
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	8,779
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,544,600	3,316
2001-12-31 (YTD Data)		Rank
Total interest income	$19,079,000	1,785
Total interest expense	$10,846,000	1,498
Net interest income	$8,233,000	2,177
Provision for loan and lease losses	$214,000	3,981
Total noninterest income	$2,000,000	2,017
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$2,000,000	1,248
Total noninterest expense	$7,864,000	1,839
Salaries and employee benefits	$4,607,000	1,624
Premises and equipment expense	$1,683,000	1,270
Additional noninterest expense	$1,574,000	2,759
Pre-tax net operating income	$2,155,000	3,010
Securities gains (losses)	$1,281,000	350
Applicable income taxes	$1,173,000	1,850
Income before extraordinary items	$2,263,000	2,272
Extraordinary gains, net	$0	105
Net income	$2,263,000	2,276
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$208,000	2,798
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,417,540	3,268
2000-12-31 (YTD Data)		Rank
Total interest income	$18,296,000	1,912
Total interest expense	$10,217,000	1,682
Net interest income	$8,079,000	2,195
Provision for loan and lease losses	$-32,000	9,743
Total noninterest income	$1,318,000	2,576
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,318,000	1,537
Total noninterest expense	$7,003,000	1,985
Salaries and employee benefits	$4,179,000	1,718
Premises and equipment expense	$1,561,000	1,312
Additional noninterest expense	$1,263,000	3,261
Pre-tax net operating income	$2,426,000	2,832
Securities gains (losses)	$347,000	316
Applicable income taxes	$950,000	2,216
Income before extraordinary items	$1,823,000	2,775
Extraordinary gains, net	$0	38
Net income	$1,823,000	2,775
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-31,000	9,510
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,593,980	3,094
1999-12-31 (YTD Data)		Rank
Total interest income	$15,615,000	2,088
Total interest expense	$8,299,000	1,789
Net interest income	$7,316,000	2,410
Provision for loan and lease losses	$21,000	7,629
Total noninterest income	$1,542,000	2,253
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$1,542,000	1,371
Total noninterest expense	$7,148,000	1,916
Salaries and employee benefits	$3,902,000	1,778
Premises and equipment expense	$1,644,000	1,233
Additional noninterest expense	$1,602,000	2,697
Pre-tax net operating income	$1,689,000	3,789
Securities gains (losses)	$552,000	325
Applicable income taxes	$687,000	2,940
Income before extraordinary items	$1,554,000	3,155
Extraordinary gains, net	$0	35
Net income	$1,554,000	3,156
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	9,667
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,173,120	3,914
1998-12-31 (YTD Data)		Rank
Total interest income	$15,244,000	2,136
Total interest expense	$7,770,000	1,965
Net interest income	$7,474,000	2,285
Provision for loan and lease losses	$6,000	8,399
Total noninterest income	$2,054,000	1,796
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$2,054,000	1,142
Total noninterest expense	$6,689,000	1,959
Salaries and employee benefits	$3,606,000	1,854
Premises and equipment expense	$1,646,000	1,157
Additional noninterest expense	$1,437,000	2,884
Pre-tax net operating income	$2,833,000	2,502
Securities gains (losses)	$1,162,000	350
Applicable income taxes	$1,645,000	1,487
Income before extraordinary items	$2,350,000	2,216
Extraordinary gains, net	$0	32
Net income	$2,350,000	2,215
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-53,000	10,114
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,606,320	2,987
1997-12-31 (YTD Data)		Rank
Total interest income	$14,802,000	2,206
Total interest expense	$7,196,000	2,104
Net interest income	$7,606,000	2,304
Provision for loan and lease losses	$60,000	6,153
Total noninterest income	$2,216,000	1,633
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$2,216,000	1,022
Total noninterest expense	$6,060,000	2,120
Salaries and employee benefits	$3,548,000	1,847
Premises and equipment expense	$1,306,000	1,492
Additional noninterest expense	$1,206,000	3,345
Pre-tax net operating income	$3,702,000	2,030
Securities gains (losses)	$276,000	588
Applicable income taxes	$1,650,000	1,568
Income before extraordinary items	$2,328,000	2,259
Extraordinary gains, net	$0	44
Net income	$2,328,000	2,259
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$123,000	3,402
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,151,360	2,358
1996-12-31 (YTD Data)		Rank
Total interest income	$14,176,000	2,357
Total interest expense	$6,735,000	2,289
Net interest income	$7,441,000	2,420
Provision for loan and lease losses	$152,000	4,030
Total noninterest income	$2,966,000	1,369
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$2,966,000	883
Total noninterest expense	$7,135,000	1,967
Salaries and employee benefits	$3,540,000	1,869
Premises and equipment expense	$1,217,000	1,668
Additional noninterest expense	$2,378,000	2,096
Pre-tax net operating income	$3,120,000	2,286
Securities gains (losses)	$-449,000	11,366
Applicable income taxes	$1,145,000	2,080
Income before extraordinary items	$1,526,000	3,146
Extraordinary gains, net	$0	53
Net income	$1,526,000	3,147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$163,000	3,019
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,813,360	2,639
1995-12-31 (YTD Data)		Rank
Total interest income	$13,486,000	2,475
Total interest expense	$6,170,000	2,494
Net interest income	$7,316,000	2,453
Provision for loan and lease losses	$775,000	1,144
Total noninterest income	$3,137,000	1,324
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$3,137,000	870
Total noninterest expense	$6,147,000	2,214
Salaries and employee benefits	$3,675,000	1,803
Premises and equipment expense	$1,065,000	1,909
Additional noninterest expense	$1,407,000	3,249
Pre-tax net operating income	$3,531,000	2,080
Securities gains (losses)	$-111,000	11,530
Applicable income taxes	$1,420,000	1,726
Income before extraordinary items	$2,000,000	2,519
Extraordinary gains, net	$0	65
Net income	$2,000,000	2,518
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$244,000	2,214
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$2,071,040	2,395
1994-12-31 (YTD Data)		Rank
Total interest income	$10,914,000	2,786
Total interest expense	$4,327,000	2,832
Net interest income	$6,587,000	2,751
Provision for loan and lease losses	$384,000	1,882
Total noninterest income	$1,832,000	1,944
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$1,832,000	1,196
Total noninterest expense	$5,920,000	2,373
Salaries and employee benefits	$3,483,000	1,919
Premises and equipment expense	$1,020,000	1,995
Additional noninterest expense	$1,417,000	3,488
Pre-tax net operating income	$2,115,000	3,276
Securities gains (losses)	$-367,000	12,167
Applicable income taxes	$858,000	2,603
Income before extraordinary items	$890,000	4,963
Extraordinary gains, net	$0	249
Net income	$890,000	4,968
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$345,000	1,744
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,124,880	4,130
1993-12-31 (YTD Data)		Rank
Total interest income	$11,580,000	2,677
Total interest expense	$4,816,000	2,663
Net interest income	$6,764,000	2,663
Provision for loan and lease losses	$660,000	1,725
Total noninterest income	$2,731,000	1,566
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$2,731,000	1,027
Total noninterest expense	$5,520,000	2,597
Salaries and employee benefits	$3,024,000	2,196
Premises and equipment expense	$944,000	2,178
Additional noninterest expense	$1,552,000	3,403
Pre-tax net operating income	$3,315,000	2,050
Securities gains (losses)	$2,179,000	295
Applicable income taxes	$2,038,000	1,197
Income before extraordinary items	$3,456,000	1,472
Extraordinary gains, net	$0	3,149
Net income	$3,456,000	1,518
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$222,000	2,934
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,061,440	2,288
1992-12-31 (YTD Data)		Rank
Total interest income	$13,093,000	2,692
Total interest expense	$6,864,000	2,451
Net interest income	$6,229,000	2,925
Provision for loan and lease losses	$564,000	2,756
Total noninterest income	$2,976,000	1,447
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$2,976,000	962
Total noninterest expense	$4,986,000	2,878
Salaries and employee benefits	$2,434,000	2,666
Premises and equipment expense	$947,000	2,201
Additional noninterest expense	$1,605,000	3,393
Pre-tax net operating income	$3,655,000	1,691
Securities gains (losses)	$1,025,000	637
Applicable income taxes	$1,567,000	1,400
Income before extraordinary items	$3,113,000	1,495
Extraordinary gains, net	$119,000	657
Net income	$3,232,000	1,447
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$264,000	3,605
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$2,426,250	1,723

* 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.