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Osgood Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$19,002,000	1,957
Total interest expense	$5,856,000	1,848
Net interest income	$13,146,000	2,006
Provision for loan and lease losses	$-534,000	4,475
Total noninterest income	$1,319,000	2,429
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$138,000	3,072
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,181,000	2,116
Total noninterest expense	$9,746,000	2,072
Salaries and employee benefits	$5,501,000	2,068
Premises and equipment expense	$777,000	2,342
Additional noninterest expense	$1,181,000	2,116
Pre-tax net operating income	$5,253,000	1,857
Securities gains (losses)	$-30,000	3,546
Applicable income taxes	$714,000	1,664
Income before extraordinary items	$4,509,000	1,848
Extraordinary gains, net	$0	54
Net income	$4,509,000	1,870
Minority interest net income	$0	88
Net income of bank and minority interests.	$4,509,000	1,851
Net charge-offs	$-14,000	3,914
Cash dividends	$1,565,000	1,748
Sale, conversion, retirement of capital stock, net	$12,000	495
Net operating income	$4,534,800	1,867
2023-09-30 (YTD Data)		Rank
Total interest income	$13,832,000	1,961
Total interest expense	$3,886,000	1,863
Net interest income	$9,946,000	2,004
Provision for loan and lease losses	$0	3,085
Total noninterest income	$982,000	2,437
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$102,000	3,103
Trading account gains and fees	NA	NA
Additional Noninterest Income	$880,000	2,114
Total noninterest expense	$7,392,000	2,059
Salaries and employee benefits	$4,208,000	2,043
Premises and equipment expense	$584,000	2,342
Additional noninterest expense	$880,000	2,114
Pre-tax net operating income	$3,536,000	2,036
Securities gains (losses)	$-43,000	3,785
Applicable income taxes	$446,000	1,832
Income before extraordinary items	$3,047,000	2,040
Extraordinary gains, net	$0	52
Net income	$3,047,000	2,059
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,047,000	2,040
Net charge-offs	$-10,000	3,831
Cash dividends	$385,000	2,430
Sale, conversion, retirement of capital stock, net	$10,000	472
Net operating income	$3,084,410	2,043
2023-06-30 (YTD Data)		Rank
Total interest income	$8,934,000	1,981
Total interest expense	$2,218,000	1,889
Net interest income	$6,716,000	2,000
Provision for loan and lease losses	$0	2,940
Total noninterest income	$636,000	2,415
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$67,000	3,115
Trading account gains and fees	NA	NA
Additional Noninterest Income	$569,000	2,073
Total noninterest expense	$4,921,000	2,058
Salaries and employee benefits	$2,826,000	2,036
Premises and equipment expense	$392,000	2,335
Additional noninterest expense	$569,000	2,070
Pre-tax net operating income	$2,431,000	2,001
Securities gains (losses)	$-48,000	4,071
Applicable income taxes	$308,000	1,828
Income before extraordinary items	$2,075,000	2,022
Extraordinary gains, net	$0	51
Net income	$2,075,000	2,046
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,075,000	2,022
Net charge-offs	$-7,000	3,816
Cash dividends	$45,000	2,881
Sale, conversion, retirement of capital stock, net	$7,000	453
Net operating income	$2,116,760	1,999
2023-03-31 (YTD Data)		Rank
Total interest income	$4,334,000	1,997
Total interest expense	$894,000	1,971
Net interest income	$3,440,000	1,977
Provision for loan and lease losses	$0	2,612
Total noninterest income	$306,000	2,463
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$33,000	3,139
Trading account gains and fees	NA	NA
Additional Noninterest Income	$273,000	2,100
Total noninterest expense	$2,442,000	2,094
Salaries and employee benefits	$1,419,000	2,064
Premises and equipment expense	$197,000	2,372
Additional noninterest expense	$273,000	2,100
Pre-tax net operating income	$1,304,000	1,956
Securities gains (losses)	$-31,000	4,179
Applicable income taxes	$165,000	1,808
Income before extraordinary items	$1,108,000	1,969
Extraordinary gains, net	$0	4
Net income	$1,108,000	1,969
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,108,000	1,969
Net charge-offs	$-3,000	3,659
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$3,000	416
Net operating income	$1,134,970	1,957
2022-12-31 (YTD Data)		Rank
Total interest income	$15,836,000	1,869
Total interest expense	$908,000	2,551
Net interest income	$14,928,000	1,800
Provision for loan and lease losses	$100,000	2,212
Total noninterest income	$1,338,000	2,467
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$128,000	3,211
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,210,000	2,128
Total noninterest expense	$10,142,000	1,990
Salaries and employee benefits	$5,915,000	1,974
Premises and equipment expense	$840,000	2,235
Additional noninterest expense	$1,210,000	2,128
Pre-tax net operating income	$6,024,000	1,821
Securities gains (losses)	$31,000	288
Applicable income taxes	$828,000	1,690
Income before extraordinary items	$5,227,000	1,762
Extraordinary gains, net	$0	5
Net income	$5,227,000	1,759
Minority interest net income	$0	63
Net income of bank and minority interests.	$5,227,000	1,761
Net charge-offs	$-9,000	3,615
Cash dividends	$1,130,000	2,028
Sale, conversion, retirement of capital stock, net	$17,000	541
Net operating income	$5,200,340	1,804
2022-09-30 (YTD Data)		Rank
Total interest income	$11,751,000	1,832
Total interest expense	$490,000	2,687
Net interest income	$11,261,000	1,768
Provision for loan and lease losses	$100,000	1,857
Total noninterest income	$1,024,000	2,466
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$94,000	3,258
Trading account gains and fees	NA	NA
Additional Noninterest Income	$930,000	2,130
Total noninterest expense	$7,546,000	1,997
Salaries and employee benefits	$4,334,000	1,997
Premises and equipment expense	$531,000	2,479
Additional noninterest expense	$930,000	2,130
Pre-tax net operating income	$4,639,000	1,787
Securities gains (losses)	$25,000	320
Applicable income taxes	$646,000	1,662
Income before extraordinary items	$4,018,000	1,722
Extraordinary gains, net	$0	4
Net income	$4,018,000	1,719
Minority interest net income	$0	57
Net income of bank and minority interests.	$4,018,000	1,721
Net charge-offs	$-5,000	3,411
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$14,000	492
Net operating income	$3,996,500	1,768
2022-06-30 (YTD Data)		Rank
Total interest income	$7,858,000	1,776
Total interest expense	$304,000	2,641
Net interest income	$7,554,000	1,730
Provision for loan and lease losses	$0	2,599
Total noninterest income	$701,000	2,429
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$61,000	3,300
Trading account gains and fees	NA	NA
Additional Noninterest Income	$640,000	2,127
Total noninterest expense	$5,062,000	1,972
Salaries and employee benefits	$2,928,000	1,979
Premises and equipment expense	$351,000	2,502
Additional noninterest expense	$1,783,000	1,752
Pre-tax net operating income	$3,193,000	1,660
Securities gains (losses)	$27,000	282
Applicable income taxes	$454,000	1,549
Income before extraordinary items	$2,766,000	1,603
Extraordinary gains, net	$0	4
Net income	$2,766,000	1,601
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,766,000	1,603
Net charge-offs	$-2,000	3,158
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$11,000	468
Net operating income	$2,742,780	1,650
2022-03-31 (YTD Data)		Rank
Total interest income	$4,153,000	1,681
Total interest expense	$156,000	2,580
Net interest income	$3,997,000	1,616
Provision for loan and lease losses	$0	2,285
Total noninterest income	$351,000	2,411
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$31,000	3,263
Trading account gains and fees	NA	NA
Additional Noninterest Income	$320,000	2,118
Total noninterest expense	$2,417,000	2,025
Salaries and employee benefits	$1,414,000	2,015
Premises and equipment expense	$311,000	1,788
Additional noninterest expense	$692,000	2,109
Pre-tax net operating income	$1,931,000	1,382
Securities gains (losses)	$8,000	410
Applicable income taxes	$294,000	1,327
Income before extraordinary items	$1,645,000	1,365
Extraordinary gains, net	$0	4
Net income	$1,645,000	1,365
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,645,000	1,365
Net charge-offs	$-4,000	3,570
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$8,000	418
Net operating income	$1,638,200	1,382
2021-12-31 (YTD Data)		Rank
Total interest income	$15,189,000	1,855
Total interest expense	$712,000	2,687
Net interest income	$14,477,000	1,765
Provision for loan and lease losses	$991,000	605
Total noninterest income	$2,147,000	2,141
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$109,000	3,355
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,038,000	1,882
Total noninterest expense	$9,927,000	1,986
Salaries and employee benefits	$5,865,000	1,965
Premises and equipment expense	$1,314,000	1,695
Additional noninterest expense	$2,748,000	2,103
Pre-tax net operating income	$5,706,000	1,893
Securities gains (losses)	$-12,000	4,384
Applicable income taxes	$812,000	1,754
Income before extraordinary items	$4,882,000	1,919
Extraordinary gains, net	$0	10
Net income	$4,882,000	1,919
Minority interest net income	$0	74
Net income of bank and minority interests.	$4,882,000	1,920
Net charge-offs	$-12,000	3,708
Cash dividends	$1,065,000	2,152
Sale, conversion, retirement of capital stock, net	$61,000	500
Net operating income	$4,892,320	1,887
2021-09-30 (YTD Data)		Rank
Total interest income	$11,267,000	1,901
Total interest expense	$548,000	2,734
Net interest income	$10,719,000	1,811
Provision for loan and lease losses	$0	2,963
Total noninterest income	$1,440,000	2,316
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$79,000	3,413
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,361,000	2,066
Total noninterest expense	$7,500,000	1,984
Salaries and employee benefits	$4,484,000	1,946
Premises and equipment expense	$986,000	1,726
Additional noninterest expense	$2,030,000	2,136
Pre-tax net operating income	$4,659,000	1,863
Securities gains (losses)	$-6,000	4,520
Applicable income taxes	$707,000	1,722
Income before extraordinary items	$3,946,000	1,891
Extraordinary gains, net	$0	8
Net income	$3,946,000	1,890
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,946,000	1,891
Net charge-offs	$-8,000	3,588
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$50,000	462
Net operating income	$3,951,100	1,867
2021-06-30 (YTD Data)		Rank
Total interest income	$7,057,000	1,988
Total interest expense	$383,000	2,741
Net interest income	$6,674,000	1,898
Provision for loan and lease losses	$0	2,862
Total noninterest income	$1,149,000	2,082
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$50,000	3,442
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,099,000	1,819
Total noninterest expense	$4,878,000	2,008
Salaries and employee benefits	$2,906,000	1,969
Premises and equipment expense	$670,000	1,682
Additional noninterest expense	$1,302,000	2,176
Pre-tax net operating income	$2,945,000	1,914
Securities gains (losses)	$-10,000	4,648
Applicable income taxes	$443,000	1,761
Income before extraordinary items	$2,492,000	1,949
Extraordinary gains, net	$0	6
Net income	$2,492,000	1,948
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,492,000	1,949
Net charge-offs	$-3,000	3,379
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$40,000	434
Net operating income	$2,500,500	1,906
2021-03-31 (YTD Data)		Rank
Total interest income	$3,432,000	2,012
Total interest expense	$210,000	2,679
Net interest income	$3,222,000	1,929
Provision for loan and lease losses	$0	2,741
Total noninterest income	$671,000	1,931
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$26,000	3,393
Trading account gains and fees	NA	NA
Additional Noninterest Income	$645,000	1,657
Total noninterest expense	$2,424,000	2,003
Salaries and employee benefits	$1,408,000	2,002
Premises and equipment expense	$363,000	1,597
Additional noninterest expense	$653,000	2,131
Pre-tax net operating income	$1,469,000	1,903
Securities gains (losses)	$0	1,392
Applicable income taxes	$227,000	1,720
Income before extraordinary items	$1,242,000	1,957
Extraordinary gains, net	$0	3
Net income	$1,242,000	1,957
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,242,000	1,957
Net charge-offs	$1,000	1,805
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$30,000	384
Net operating income	$1,242,000	1,918
2020-12-31 (YTD Data)		Rank
Total interest income	$13,200,000	2,079
Total interest expense	$1,597,000	2,287
Net interest income	$11,603,000	2,009
Provision for loan and lease losses	$1,490,000	1,261
Total noninterest income	$2,621,000	1,854
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$106,000	3,514
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,515,000	1,584
Total noninterest expense	$8,634,000	2,155
Salaries and employee benefits	$5,050,000	2,145
Premises and equipment expense	$1,013,000	2,022
Additional noninterest expense	$2,571,000	2,166
Pre-tax net operating income	$4,100,000	2,032
Securities gains (losses)	$10,000	2,309
Applicable income taxes	$597,000	1,822
Income before extraordinary items	$3,513,000	2,087
Extraordinary gains, net	$0	4
Net income	$3,513,000	2,087
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,513,000	2,087
Net charge-offs	$-6,000	4,154
Cash dividends	$950,000	2,275
Sale, conversion, retirement of capital stock, net	$117,000	432
Net operating income	$3,504,500	2,040
2020-09-30 (YTD Data)		Rank
Total interest income	$9,813,000	2,103
Total interest expense	$1,325,000	2,236
Net interest income	$8,488,000	2,049
Provision for loan and lease losses	$1,025,000	1,338
Total noninterest income	$1,818,000	1,883
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$80,000	3,528
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,738,000	1,613
Total noninterest expense	$6,167,000	2,201
Salaries and employee benefits	$3,607,000	2,184
Premises and equipment expense	$672,000	2,171
Additional noninterest expense	$1,888,000	2,156
Pre-tax net operating income	$3,114,000	1,999
Securities gains (losses)	$10,000	2,124
Applicable income taxes	$464,000	1,780
Income before extraordinary items	$2,660,000	2,060
Extraordinary gains, net	$0	4
Net income	$2,660,000	2,061
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,660,000	2,061
Net charge-offs	$-3,000	3,980
Cash dividends	$20,000	3,356
Sale, conversion, retirement of capital stock, net	$88,000	401
Net operating income	$2,651,500	2,009
2020-06-30 (YTD Data)		Rank
Total interest income	$6,513,000	2,134
Total interest expense	$973,000	2,184
Net interest income	$5,540,000	2,088
Provision for loan and lease losses	$965,000	1,123
Total noninterest income	$1,195,000	1,845
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$57,000	3,467
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,138,000	1,543
Total noninterest expense	$3,874,000	2,298
Salaries and employee benefits	$2,244,000	2,288
Premises and equipment expense	$420,000	2,257
Additional noninterest expense	$1,210,000	2,203
Pre-tax net operating income	$1,896,000	2,078
Securities gains (losses)	$10,000	1,872
Applicable income taxes	$274,000	1,810
Income before extraordinary items	$1,632,000	2,117
Extraordinary gains, net	$0	4
Net income	$1,632,000	2,117
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,632,000	2,117
Net charge-offs	$1,000	2,929
Cash dividends	$20,000	3,196
Sale, conversion, retirement of capital stock, net	$59,000	382
Net operating income	$1,623,400	2,090
2020-03-31 (YTD Data)		Rank
Total interest income	$3,108,000	2,194
Total interest expense	$526,000	2,211
Net interest income	$2,582,000	2,168
Provision for loan and lease losses	$210,000	1,405
Total noninterest income	$367,000	2,277
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$32,000	3,575
Trading account gains and fees	NA	NA
Additional Noninterest Income	$335,000	1,891
Total noninterest expense	$1,980,000	2,284
Salaries and employee benefits	$1,163,000	2,245
Premises and equipment expense	$209,000	2,281
Additional noninterest expense	$608,000	2,228
Pre-tax net operating income	$759,000	2,230
Securities gains (losses)	$10,000	1,316
Applicable income taxes	$101,000	1,926
Income before extraordinary items	$668,000	2,251
Extraordinary gains, net	$0	4
Net income	$668,000	2,250
Minority interest net income	$0	56
Net income of bank and minority interests.	$668,000	2,251
Net charge-offs	$4,000	2,167
Cash dividends	$20,000	2,590
Sale, conversion, retirement of capital stock, net	$32,000	361
Net operating income	$659,300	2,235
2019-12-31 (YTD Data)		Rank
Total interest income	$12,095,000	2,274
Total interest expense	$2,275,000	2,164
Net interest income	$9,820,000	2,278
Provision for loan and lease losses	$540,000	1,417
Total noninterest income	$1,458,000	2,337
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$147,000	3,533
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,311,000	1,945
Total noninterest expense	$7,519,000	2,338
Salaries and employee benefits	$4,476,000	2,262
Premises and equipment expense	$752,000	2,428
Additional noninterest expense	$2,291,000	2,347
Pre-tax net operating income	$3,219,000	2,353
Securities gains (losses)	$2,000	2,225
Applicable income taxes	$517,000	1,954
Income before extraordinary items	$2,704,000	2,451
Extraordinary gains, net	$0	11
Net income	$2,704,000	2,452
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,704,000	2,453
Net charge-offs	$-24,000	4,631
Cash dividends	$1,202,000	2,125
Sale, conversion, retirement of capital stock, net	$111,000	471
Net operating income	$2,702,320	2,414
2019-09-30 (YTD Data)		Rank
Total interest income	$8,994,000	2,319
Total interest expense	$1,712,000	2,174
Net interest income	$7,282,000	2,322
Provision for loan and lease losses	$180,000	2,065
Total noninterest income	$992,000	2,466
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$114,000	3,523
Trading account gains and fees	NA	NA
Additional Noninterest Income	$878,000	2,065
Total noninterest expense	$5,488,000	2,385
Salaries and employee benefits	$3,246,000	2,327
Premises and equipment expense	$573,000	2,427
Additional noninterest expense	$1,669,000	2,392
Pre-tax net operating income	$2,606,000	2,308
Securities gains (losses)	$2,000	1,990
Applicable income taxes	$404,000	1,985
Income before extraordinary items	$2,204,000	2,384
Extraordinary gains, net	$0	11
Net income	$2,204,000	2,385
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,204,000	2,385
Net charge-offs	$-21,000	4,618
Cash dividends	$510,000	2,460
Sale, conversion, retirement of capital stock, net	$85,000	435
Net operating income	$2,202,300	2,356
2019-06-30 (YTD Data)		Rank
Total interest income	$5,895,000	2,344
Total interest expense	$1,135,000	2,158
Net interest income	$4,760,000	2,366
Provision for loan and lease losses	$120,000	2,025
Total noninterest income	$581,000	2,601
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$76,000	3,523
Trading account gains and fees	NA	NA
Additional Noninterest Income	$505,000	2,192
Total noninterest expense	$3,558,000	2,440
Salaries and employee benefits	$2,062,000	2,418
Premises and equipment expense	$369,000	2,481
Additional noninterest expense	$1,127,000	2,386
Pre-tax net operating income	$1,663,000	2,342
Securities gains (losses)	$2,000	1,537
Applicable income taxes	$244,000	2,048
Income before extraordinary items	$1,421,000	2,401
Extraordinary gains, net	$0	11
Net income	$1,421,000	2,401
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,421,000	2,401
Net charge-offs	$-18,000	4,642
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$65,000	405
Net operating income	$1,419,300	2,380
2019-03-31 (YTD Data)		Rank
Total interest income	$2,921,000	2,355
Total interest expense	$561,000	2,150
Net interest income	$2,360,000	2,387
Provision for loan and lease losses	$60,000	1,874
Total noninterest income	$289,000	2,565
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$38,000	3,528
Trading account gains and fees	NA	NA
Additional Noninterest Income	$251,000	2,143
Total noninterest expense	$1,745,000	2,485
Salaries and employee benefits	$1,002,000	2,480
Premises and equipment expense	$179,000	2,550
Additional noninterest expense	$564,000	2,377
Pre-tax net operating income	$844,000	2,295
Securities gains (losses)	$2,000	961
Applicable income taxes	$126,000	1,984
Income before extraordinary items	$720,000	2,326
Extraordinary gains, net	$0	5
Net income	$720,000	2,325
Minority interest net income	$0	52
Net income of bank and minority interests.	$720,000	2,325
Net charge-offs	$-15,000	4,791
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$36,000	360
Net operating income	$718,300	2,315
2018-12-31 (YTD Data)		Rank
Total interest income	$10,415,000	2,457
Total interest expense	$1,593,000	2,254
Net interest income	$8,822,000	2,483
Provision for loan and lease losses	$455,000	1,537
Total noninterest income	$1,310,000	2,492
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$165,000	3,563
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,145,000	2,088
Total noninterest expense	$7,061,000	2,463
Salaries and employee benefits	$4,051,000	2,440
Premises and equipment expense	$779,000	2,399
Additional noninterest expense	$2,231,000	2,414
Pre-tax net operating income	$2,616,000	2,710
Securities gains (losses)	$0	1,125
Applicable income taxes	$384,000	2,207
Income before extraordinary items	$2,232,000	2,762
Extraordinary gains, net	$0	6
Net income	$2,232,000	2,760
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,232,000	2,761
Net charge-offs	$1,000	3,708
Cash dividends	$670,000	2,676
Sale, conversion, retirement of capital stock, net	$154,000	438
Net operating income	$2,232,000	2,757
2018-09-30 (YTD Data)		Rank
Total interest income	$7,555,000	2,513
Total interest expense	$1,058,000	2,358
Net interest income	$6,497,000	2,522
Provision for loan and lease losses	$335,000	1,477
Total noninterest income	$978,000	2,537
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$124,000	3,587
Trading account gains and fees	NA	NA
Additional Noninterest Income	$854,000	2,125
Total noninterest expense	$5,206,000	2,498
Salaries and employee benefits	$2,958,000	2,475
Premises and equipment expense	$565,000	2,470
Additional noninterest expense	$1,683,000	2,401
Pre-tax net operating income	$1,934,000	2,796
Securities gains (losses)	$0	1,118
Applicable income taxes	$284,000	2,277
Income before extraordinary items	$1,650,000	2,846
Extraordinary gains, net	$0	5
Net income	$1,650,000	2,845
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,650,000	2,845
Net charge-offs	$-8,000	4,430
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$121,000	402
Net operating income	$1,650,000	2,838
2018-06-30 (YTD Data)		Rank
Total interest income	$4,879,000	2,551
Total interest expense	$627,000	2,458
Net interest income	$4,252,000	2,552
Provision for loan and lease losses	$225,000	1,413
Total noninterest income	$592,000	2,662
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$84,000	3,559
Trading account gains and fees	NA	NA
Additional Noninterest Income	$508,000	2,250
Total noninterest expense	$3,427,000	2,526
Salaries and employee benefits	$1,923,000	2,539
Premises and equipment expense	$372,000	2,509
Additional noninterest expense	$1,132,000	2,398
Pre-tax net operating income	$1,192,000	2,881
Securities gains (losses)	$0	961
Applicable income taxes	$179,000	2,310
Income before extraordinary items	$1,013,000	2,936
Extraordinary gains, net	$0	6
Net income	$1,013,000	2,935
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,013,000	2,935
Net charge-offs	$-5,000	4,304
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$88,000	383
Net operating income	$1,013,000	2,924
2018-03-31 (YTD Data)		Rank
Total interest income	$2,351,000	2,610
Total interest expense	$283,000	2,559
Net interest income	$2,068,000	2,609
Provision for loan and lease losses	$120,000	1,317
Total noninterest income	$273,000	2,743
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$43,000	3,549
Trading account gains and fees	NA	NA
Additional Noninterest Income	$230,000	2,323
Total noninterest expense	$1,688,000	2,571
Salaries and employee benefits	$938,000	2,611
Premises and equipment expense	$180,000	2,609
Additional noninterest expense	$570,000	2,384
Pre-tax net operating income	$533,000	3,016
Securities gains (losses)	$0	735
Applicable income taxes	$97,000	2,204
Income before extraordinary items	$436,000	3,115
Extraordinary gains, net	$0	7
Net income	$436,000	3,115
Minority interest net income	$0	52
Net income of bank and minority interests.	$436,000	3,115
Net charge-offs	$-3,000	4,242
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$39,000	363
Net operating income	$436,000	3,116
2017-12-31 (YTD Data)		Rank
Total interest income	$8,352,000	2,787
Total interest expense	$831,000	2,867
Net interest income	$7,521,000	2,751
Provision for loan and lease losses	$339,000	1,858
Total noninterest income	$1,265,000	2,633
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$186,000	3,549
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,079,000	2,201
Total noninterest expense	$6,436,000	2,650
Salaries and employee benefits	$3,629,000	2,637
Premises and equipment expense	$724,000	2,608
Additional noninterest expense	$2,083,000	2,581
Pre-tax net operating income	$2,011,000	3,112
Securities gains (losses)	$4,000	1,851
Applicable income taxes	$173,000	3,040
Income before extraordinary items	$1,842,000	2,824
Extraordinary gains, net	$0	9
Net income	$1,842,000	2,823
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,842,000	2,824
Net charge-offs	$-8,000	4,751
Cash dividends	$615,000	2,744
Sale, conversion, retirement of capital stock, net	$137,000	455
Net operating income	$1,838,360	2,805
2017-09-30 (YTD Data)		Rank
Total interest income	$6,067,000	2,863
Total interest expense	$600,000	2,909
Net interest income	$5,467,000	2,829
Provision for loan and lease losses	$93,000	2,717
Total noninterest income	$887,000	2,738
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$141,000	3,559
Trading account gains and fees	NA	NA
Additional Noninterest Income	$746,000	2,330
Total noninterest expense	$4,832,000	2,656
Salaries and employee benefits	$2,697,000	2,678
Premises and equipment expense	$547,000	2,611
Additional noninterest expense	$1,588,000	2,562
Pre-tax net operating income	$1,429,000	3,262
Securities gains (losses)	$4,000	1,878
Applicable income taxes	$237,000	2,648
Income before extraordinary items	$1,196,000	3,212
Extraordinary gains, net	$0	9
Net income	$1,196,000	3,211
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,196,000	3,212
Net charge-offs	$-21,000	4,937
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$103,000	421
Net operating income	$1,192,680	3,193
2017-06-30 (YTD Data)		Rank
Total interest income	$3,914,000	2,916
Total interest expense	$380,000	2,958
Net interest income	$3,534,000	2,878
Provision for loan and lease losses	$55,000	2,776
Total noninterest income	$586,000	2,744
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$92,000	3,585
Trading account gains and fees	NA	NA
Additional Noninterest Income	$494,000	2,350
Total noninterest expense	$3,140,000	2,713
Salaries and employee benefits	$1,773,000	2,719
Premises and equipment expense	$367,000	2,614
Additional noninterest expense	$1,000,000	2,671
Pre-tax net operating income	$925,000	3,252
Securities gains (losses)	$4,000	1,497
Applicable income taxes	$139,000	2,728
Income before extraordinary items	$790,000	3,191
Extraordinary gains, net	$0	11
Net income	$790,000	3,190
Minority interest net income	$0	71
Net income of bank and minority interests.	$790,000	3,191
Net charge-offs	$-19,000	4,998
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$70,000	393
Net operating income	$786,600	3,180
2017-03-31 (YTD Data)		Rank
Total interest income	$1,896,000	2,985
Total interest expense	$173,000	3,112
Net interest income	$1,723,000	2,934
Provision for loan and lease losses	$25,000	2,651
Total noninterest income	$296,000	2,723
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$47,000	3,581
Trading account gains and fees	NA	NA
Additional Noninterest Income	$249,000	2,317
Total noninterest expense	$1,561,000	2,746
Salaries and employee benefits	$886,000	2,748
Premises and equipment expense	$183,000	2,652
Additional noninterest expense	$492,000	2,699
Pre-tax net operating income	$433,000	3,317
Securities gains (losses)	$3,000	889
Applicable income taxes	$56,000	2,824
Income before extraordinary items	$380,000	3,224
Extraordinary gains, net	$0	8
Net income	$380,000	3,222
Minority interest net income	$0	55
Net income of bank and minority interests.	$380,000	3,224
Net charge-offs	$-27,000	5,356
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$36,000	362
Net operating income	$377,390	3,214
2016-12-31 (YTD Data)		Rank
Total interest income	$6,959,000	3,134
Total interest expense	$629,000	3,236
Net interest income	$6,330,000	3,078
Provision for loan and lease losses	$150,000	2,726
Total noninterest income	$1,570,000	2,428
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$187,000	3,673
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,383,000	1,989
Total noninterest expense	$5,952,000	2,868
Salaries and employee benefits	$3,189,000	2,919
Premises and equipment expense	$1,241,000	1,809
Additional noninterest expense	$1,522,000	3,308
Pre-tax net operating income	$1,798,000	3,234
Securities gains (losses)	$52,000	1,815
Applicable income taxes	$340,000	2,559
Income before extraordinary items	$1,510,000	3,279
Extraordinary gains, net	$0	5
Net income	$1,510,000	3,278
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,510,000	3,278
Net charge-offs	$-35,000	5,269
Cash dividends	$538,000	2,883
Sale, conversion, retirement of capital stock, net	$39,000	609
Net operating income	$1,467,360	3,266
2016-09-30 (YTD Data)		Rank
Total interest income	$5,126,000	3,179
Total interest expense	$472,000	3,239
Net interest income	$4,654,000	3,126
Provision for loan and lease losses	$0	4,186
Total noninterest income	$1,132,000	2,482
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$139,000	3,712
Trading account gains and fees	$0	169
Additional Noninterest Income	$993,000	2,059
Total noninterest expense	$4,498,000	2,852
Salaries and employee benefits	$2,385,000	2,925
Premises and equipment expense	$939,000	1,803
Additional noninterest expense	$1,174,000	3,269
Pre-tax net operating income	$1,288,000	3,353
Securities gains (losses)	$52,000	1,740
Applicable income taxes	$242,000	2,659
Income before extraordinary items	$1,098,000	3,341
Extraordinary gains, net	$0	5
Net income	$1,098,000	3,339
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,098,000	3,341
Net charge-offs	$-28,000	5,187
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,055,360	3,351
2016-06-30 (YTD Data)		Rank
Total interest income	$3,335,000	3,240
Total interest expense	$315,000	3,249
Net interest income	$3,020,000	3,201
Provision for loan and lease losses	$0	4,017
Total noninterest income	$652,000	2,649
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$87,000	3,783
Trading account gains and fees	$0	157
Additional Noninterest Income	$565,000	2,223
Total noninterest expense	$2,984,000	2,870
Salaries and employee benefits	$1,561,000	2,974
Premises and equipment expense	$610,000	1,842
Additional noninterest expense	$813,000	3,194
Pre-tax net operating income	$688,000	3,689
Securities gains (losses)	$40,000	1,579
Applicable income taxes	$109,000	2,941
Income before extraordinary items	$619,000	3,626
Extraordinary gains, net	$0	16
Net income	$619,000	3,622
Minority interest net income	$0	71
Net income of bank and minority interests.	$619,000	3,624
Net charge-offs	$-19,000	5,189
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$585,000	3,668
2016-03-31 (YTD Data)		Rank
Total interest income	$1,650,000	3,273
Total interest expense	$157,000	3,266
Net interest income	$1,493,000	3,236
Provision for loan and lease losses	$0	3,656
Total noninterest income	$286,000	2,796
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$42,000	3,837
Trading account gains and fees	$0	142
Additional Noninterest Income	$244,000	2,369
Total noninterest expense	$1,483,000	2,897
Salaries and employee benefits	$784,000	2,985
Premises and equipment expense	$166,000	2,875
Additional noninterest expense	$533,000	2,639
Pre-tax net operating income	$296,000	3,881
Securities gains (losses)	$26,000	1,120
Applicable income taxes	$41,000	3,097
Income before extraordinary items	$281,000	3,727
Extraordinary gains, net	$0	12
Net income	$281,000	3,724
Minority interest net income	$0	62
Net income of bank and minority interests.	$281,000	3,725
Net charge-offs	$-5,000	4,858
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$258,380	3,813
2015-12-31 (YTD Data)		Rank
Total interest income	$6,111,000	3,400
Total interest expense	$575,000	3,468
Net interest income	$5,536,000	3,363
Provision for loan and lease losses	$0	4,380
Total noninterest income	$1,276,000	2,704
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$161,000	4,059
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,115,000	2,237
Total noninterest expense	$5,356,000	3,077
Salaries and employee benefits	$2,890,000	3,104
Premises and equipment expense	$853,000	2,429
Additional noninterest expense	$1,613,000	3,256
Pre-tax net operating income	$1,456,000	3,534
Securities gains (losses)	$-3,000	5,742
Applicable income taxes	$243,000	2,812
Income before extraordinary items	$1,210,000	3,620
Extraordinary gains, net	$0	23
Net income	$1,210,000	3,618
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,210,000	3,620
Net charge-offs	$-37,000	5,488
Cash dividends	$450,000	3,025
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,212,490	3,566
2015-09-30 (YTD Data)		Rank
Total interest income	$4,488,000	3,479
Total interest expense	$420,000	3,575
Net interest income	$4,068,000	3,439
Provision for loan and lease losses	$30,000	3,604
Total noninterest income	$971,000	2,708
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$118,000	4,117
Trading account gains and fees	$0	153
Additional Noninterest Income	$853,000	2,227
Total noninterest expense	$4,021,000	3,100
Salaries and employee benefits	$2,099,000	3,186
Premises and equipment expense	$681,000	2,357
Additional noninterest expense	$1,241,000	3,208
Pre-tax net operating income	$988,000	3,763
Securities gains (losses)	$-3,000	5,887
Applicable income taxes	$153,000	3,007
Income before extraordinary items	$832,000	3,809
Extraordinary gains, net	$0	21
Net income	$832,000	3,809
Minority interest net income	$0	78
Net income of bank and minority interests.	$832,000	3,810
Net charge-offs	$-32,000	5,478
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$834,520	3,759
2015-06-30 (YTD Data)		Rank
Total interest income	$2,970,000	3,508
Total interest expense	$274,000	3,643
Net interest income	$2,696,000	3,464
Provision for loan and lease losses	$30,000	3,185
Total noninterest income	$659,000	2,698
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$77,000	4,148
Trading account gains and fees	$0	157
Additional Noninterest Income	$582,000	2,232
Total noninterest expense	$2,683,000	3,120
Salaries and employee benefits	$1,372,000	3,261
Premises and equipment expense	$473,000	2,311
Additional noninterest expense	$838,000	3,209
Pre-tax net operating income	$642,000	3,779
Securities gains (losses)	$-3,000	5,992
Applicable income taxes	$101,000	3,024
Income before extraordinary items	$538,000	3,843
Extraordinary gains, net	$0	22
Net income	$538,000	3,844
Minority interest net income	$0	75
Net income of bank and minority interests.	$538,000	3,846
Net charge-offs	$-2,000	4,729
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$540,520	3,781
2015-03-31 (YTD Data)		Rank
Total interest income	$1,491,000	3,504
Total interest expense	$135,000	3,702
Net interest income	$1,356,000	3,450
Provision for loan and lease losses	$0	3,703
Total noninterest income	$340,000	2,622
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$37,000	4,194
Trading account gains and fees	$0	152
Additional Noninterest Income	$303,000	2,115
Total noninterest expense	$1,312,000	3,178
Salaries and employee benefits	$670,000	3,328
Premises and equipment expense	$218,000	2,477
Additional noninterest expense	$424,000	3,168
Pre-tax net operating income	$384,000	3,440
Securities gains (losses)	$-3,000	6,134
Applicable income taxes	$72,000	2,717
Income before extraordinary items	$309,000	3,594
Extraordinary gains, net	$0	13
Net income	$309,000	3,597
Minority interest net income	$0	64
Net income of bank and minority interests.	$309,000	3,597
Net charge-offs	$-11,000	5,460
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$311,430	3,492
2014-12-31 (YTD Data)		Rank
Total interest income	$5,581,000	3,692
Total interest expense	$560,000	3,777
Net interest income	$5,021,000	3,639
Provision for loan and lease losses	$0	4,603
Total noninterest income	$1,260,000	2,759
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$165,000	4,229
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,095,000	2,207
Total noninterest expense	$4,965,000	3,329
Salaries and employee benefits	$2,570,000	3,416
Premises and equipment expense	$932,000	2,369
Additional noninterest expense	$1,463,000	3,606
Pre-tax net operating income	$1,316,000	3,700
Securities gains (losses)	$10,000	2,652
Applicable income taxes	$207,000	2,926
Income before extraordinary items	$1,119,000	3,754
Extraordinary gains, net	$0	17
Net income	$1,119,000	3,754
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,119,000	3,756
Net charge-offs	$33,000	4,049
Cash dividends	$415,000	3,073
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,110,600	3,721
2014-09-30 (YTD Data)		Rank
Total interest income	$4,113,000	3,760
Total interest expense	$423,000	3,828
Net interest income	$3,690,000	3,717
Provision for loan and lease losses	$0	4,401
Total noninterest income	$967,000	2,748
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$126,000	4,255
Trading account gains and fees	$0	174
Additional Noninterest Income	$841,000	2,185
Total noninterest expense	$3,690,000	3,373
Salaries and employee benefits	$1,870,000	3,494
Premises and equipment expense	$725,000	2,332
Additional noninterest expense	$1,095,000	3,636
Pre-tax net operating income	$967,000	3,816
Securities gains (losses)	$10,000	2,341
Applicable income taxes	$146,000	3,054
Income before extraordinary items	$831,000	3,836
Extraordinary gains, net	$0	15
Net income	$831,000	3,838
Minority interest net income	$0	81
Net income of bank and minority interests.	$831,000	3,839
Net charge-offs	$42,000	3,380
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$822,500	3,814
2014-06-30 (YTD Data)		Rank
Total interest income	$2,713,000	3,792
Total interest expense	$277,000	3,911
Net interest income	$2,436,000	3,739
Provision for loan and lease losses	$0	4,196
Total noninterest income	$613,000	2,794
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$86,000	4,212
Trading account gains and fees	$0	172
Additional Noninterest Income	$527,000	2,246
Total noninterest expense	$2,461,000	3,391
Salaries and employee benefits	$1,234,000	3,546
Premises and equipment expense	$482,000	2,351
Additional noninterest expense	$745,000	3,596
Pre-tax net operating income	$588,000	3,906
Securities gains (losses)	$3,000	2,288
Applicable income taxes	$76,000	3,207
Income before extraordinary items	$515,000	3,898
Extraordinary gains, net	$0	20
Net income	$515,000	3,904
Minority interest net income	$0	80
Net income of bank and minority interests.	$515,000	3,904
Net charge-offs	$-34,000	6,049
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$512,390	3,858
2014-03-31 (YTD Data)		Rank
Total interest income	$1,377,000	3,765
Total interest expense	$138,000	3,978
Net interest income	$1,239,000	3,706
Provision for loan and lease losses	$0	3,817
Total noninterest income	$283,000	2,884
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$42,000	4,230
Trading account gains and fees	$0	147
Additional Noninterest Income	$241,000	2,294
Total noninterest expense	$1,217,000	3,449
Salaries and employee benefits	$606,000	3,615
Premises and equipment expense	$239,000	2,396
Additional noninterest expense	$372,000	3,574
Pre-tax net operating income	$305,000	3,795
Securities gains (losses)	$0	1,715
Applicable income taxes	$41,000	3,090
Income before extraordinary items	$264,000	3,764
Extraordinary gains, net	$0	16
Net income	$264,000	3,767
Minority interest net income	$0	66
Net income of bank and minority interests.	$264,000	3,767
Net charge-offs	$-19,000	6,020
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$264,000	3,715
2013-12-31 (YTD Data)		Rank
Total interest income	$5,052,000	4,049
Total interest expense	$617,000	4,027
Net interest income	$4,435,000	4,005
Provision for loan and lease losses	$0	5,091
Total noninterest income	$1,492,000	2,598
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$184,000	4,230
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,308,000	2,019
Total noninterest expense	$4,819,000	3,499
Salaries and employee benefits	$2,363,000	3,676
Premises and equipment expense	$892,000	2,492
Additional noninterest expense	$1,564,000	3,550
Pre-tax net operating income	$1,108,000	3,912
Securities gains (losses)	$33,000	2,070
Applicable income taxes	$143,000	3,196
Income before extraordinary items	$998,000	3,912
Extraordinary gains, net	$0	29
Net income	$998,000	3,915
Minority interest net income	$0	90
Net income of bank and minority interests.	$998,000	3,916
Net charge-offs	$146,000	3,359
Cash dividends	$382,000	3,049
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$969,290	3,901
2013-09-30 (YTD Data)		Rank
Total interest income	$3,742,000	4,111
Total interest expense	$473,000	4,063
Net interest income	$3,269,000	4,088
Provision for loan and lease losses	$0	4,941
Total noninterest income	$1,049,000	2,751
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$138,000	4,265
Trading account gains and fees	$0	180
Additional Noninterest Income	$911,000	2,183
Total noninterest expense	$3,593,000	3,529
Salaries and employee benefits	$1,736,000	3,738
Premises and equipment expense	$669,000	2,496
Additional noninterest expense	$1,188,000	3,519
Pre-tax net operating income	$725,000	4,213
Securities gains (losses)	$33,000	1,935
Applicable income taxes	$76,000	3,473
Income before extraordinary items	$682,000	4,099
Extraordinary gains, net	$0	25
Net income	$682,000	4,103
Minority interest net income	$0	84
Net income of bank and minority interests.	$682,000	4,103
Net charge-offs	$199,000	2,564
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$652,300	4,104
2013-06-30 (YTD Data)		Rank
Total interest income	$2,435,000	4,184
Total interest expense	$322,000	4,086
Net interest income	$2,113,000	4,168
Provision for loan and lease losses	$10,000	4,495
Total noninterest income	$810,000	2,540
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$94,000	4,220
Trading account gains and fees	$0	157
Additional Noninterest Income	$716,000	1,982
Total noninterest expense	$2,435,000	3,503
Salaries and employee benefits	$1,158,000	3,752
Premises and equipment expense	$446,000	2,507
Additional noninterest expense	$831,000	3,407
Pre-tax net operating income	$478,000	4,219
Securities gains (losses)	$33,000	1,773
Applicable income taxes	$52,000	3,488
Income before extraordinary items	$459,000	4,087
Extraordinary gains, net	$0	22
Net income	$459,000	4,090
Minority interest net income	$0	82
Net income of bank and minority interests.	$459,000	4,090
Net charge-offs	$231,000	1,953
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$429,300	4,088
2013-03-31 (YTD Data)		Rank
Total interest income	$1,226,000	4,190
Total interest expense	$161,000	4,174
Net interest income	$1,065,000	4,166
Provision for loan and lease losses	$0	4,409
Total noninterest income	$431,000	2,461
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$45,000	4,283
Trading account gains and fees	$0	148
Additional Noninterest Income	$386,000	1,904
Total noninterest expense	$1,212,000	3,524
Salaries and employee benefits	$582,000	3,780
Premises and equipment expense	$232,000	2,451
Additional noninterest expense	$398,000	3,516
Pre-tax net operating income	$284,000	3,901
Securities gains (losses)	$33,000	1,098
Applicable income taxes	$47,000	3,024
Income before extraordinary items	$270,000	3,756
Extraordinary gains, net	$0	10
Net income	$270,000	3,756
Minority interest net income	$0	76
Net income of bank and minority interests.	$270,000	3,758
Net charge-offs	$42,000	2,538
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$241,950	3,856
2012-12-31 (YTD Data)		Rank
Total interest income	$5,339,000	4,150
Total interest expense	$791,000	4,143
Net interest income	$4,548,000	4,061
Provision for loan and lease losses	$0	5,905
Total noninterest income	$2,023,000	2,163
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$205,000	4,223
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,818,000	1,631
Total noninterest expense	$4,722,000	3,629
Salaries and employee benefits	$2,289,000	3,796
Premises and equipment expense	$862,000	2,585
Additional noninterest expense	$1,571,000	3,681
Pre-tax net operating income	$1,849,000	2,963
Securities gains (losses)	$121,000	2,115
Applicable income taxes	$416,000	2,359
Income before extraordinary items	$1,554,000	3,058
Extraordinary gains, net	$0	29
Net income	$1,554,000	3,057
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,554,000	3,058
Net charge-offs	$548,000	2,535
Cash dividends	$385,000	3,077
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,458,410	3,043
2012-09-30 (YTD Data)		Rank
Total interest income	$4,054,000	4,193
Total interest expense	$607,000	4,211
Net interest income	$3,447,000	4,090
Provision for loan and lease losses	$0	5,790
Total noninterest income	$1,430,000	2,249
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$152,000	4,289
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,278,000	1,708
Total noninterest expense	$3,405,000	3,751
Salaries and employee benefits	$1,611,000	3,965
Premises and equipment expense	$646,000	2,605
Additional noninterest expense	$1,148,000	3,766
Pre-tax net operating income	$1,472,000	2,923
Securities gains (losses)	$77,000	2,170
Applicable income taxes	$333,000	2,363
Income before extraordinary items	$1,216,000	3,041
Extraordinary gains, net	$0	20
Net income	$1,216,000	3,041
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,216,000	3,040
Net charge-offs	$552,000	2,059
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,155,170	3,007
2012-06-30 (YTD Data)		Rank
Total interest income	$2,728,000	4,195
Total interest expense	$409,000	4,284
Net interest income	$2,319,000	4,075
Provision for loan and lease losses	$0	5,619
Total noninterest income	$871,000	2,365
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$99,000	4,325
Trading account gains and fees	$0	153
Additional Noninterest Income	$772,000	1,794
Total noninterest expense	$2,223,000	3,813
Salaries and employee benefits	$1,009,000	4,151
Premises and equipment expense	$437,000	2,584
Additional noninterest expense	$777,000	3,739
Pre-tax net operating income	$967,000	2,913
Securities gains (losses)	$40,000	2,188
Applicable income taxes	$210,000	2,404
Income before extraordinary items	$797,000	3,045
Extraordinary gains, net	$0	19
Net income	$797,000	3,045
Minority interest net income	$0	84
Net income of bank and minority interests.	$797,000	3,045
Net charge-offs	$549,000	1,671
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$765,400	2,984
2012-03-31 (YTD Data)		Rank
Total interest income	$1,378,000	4,212
Total interest expense	$207,000	4,375
Net interest income	$1,171,000	4,078
Provision for loan and lease losses	$0	5,254
Total noninterest income	$357,000	2,652
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$50,000	4,284
Trading account gains and fees	$0	148
Additional Noninterest Income	$307,000	2,074
Total noninterest expense	$1,073,000	3,900
Salaries and employee benefits	$455,000	4,437
Premises and equipment expense	$221,000	2,575
Additional noninterest expense	$397,000	3,655
Pre-tax net operating income	$455,000	3,068
Securities gains (losses)	$2,000	2,023
Applicable income taxes	$89,000	2,556
Income before extraordinary items	$368,000	3,244
Extraordinary gains, net	$0	19
Net income	$368,000	3,248
Minority interest net income	$0	78
Net income of bank and minority interests.	$368,000	3,248
Net charge-offs	$147,000	2,113
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$366,380	3,094
2011-12-31 (YTD Data)		Rank
Total interest income	$5,950,000	4,090
Total interest expense	$1,088,000	4,208
Net interest income	$4,862,000	3,979
Provision for loan and lease losses	$185,000	4,706
Total noninterest income	$1,067,000	3,003
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$210,000	4,285
Trading account gains and fees	$0	146
Additional Noninterest Income	$857,000	2,344
Total noninterest expense	$4,099,000	4,049
Salaries and employee benefits	$1,854,000	4,356
Premises and equipment expense	$817,000	2,868
Additional noninterest expense	$1,428,000	3,986
Pre-tax net operating income	$1,645,000	2,880
Securities gains (losses)	$248,000	1,287
Applicable income taxes	$382,000	2,293
Income before extraordinary items	$1,511,000	2,761
Extraordinary gains, net	$0	29
Net income	$1,511,000	2,763
Minority interest net income	$0	96
Net income of bank and minority interests.	$1,511,000	2,763
Net charge-offs	$207,000	4,256
Cash dividends	$571,000	2,272
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$1,312,600	2,931
2011-09-30 (YTD Data)		Rank
Total interest income	$4,504,000	4,102
Total interest expense	$865,000	4,180
Net interest income	$3,639,000	4,007
Provision for loan and lease losses	$135,000	4,615
Total noninterest income	$622,000	3,449
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$158,000	4,303
Trading account gains and fees	$0	145
Additional Noninterest Income	$464,000	2,813
Total noninterest expense	$2,914,000	4,192
Salaries and employee benefits	$1,346,000	4,453
Premises and equipment expense	$627,000	2,839
Additional noninterest expense	$941,000	4,328
Pre-tax net operating income	$1,212,000	2,983
Securities gains (losses)	$0	3,555
Applicable income taxes	$215,000	2,589
Income before extraordinary items	$997,000	3,074
Extraordinary gains, net	$0	21
Net income	$997,000	3,076
Minority interest net income	$0	87
Net income of bank and minority interests.	$997,000	3,076
Net charge-offs	$7,000	5,861
Cash dividends	$233,000	2,587
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$997,000	2,971
2011-06-30 (YTD Data)		Rank
Total interest income	$3,035,000	4,102
Total interest expense	$611,000	4,158
Net interest income	$2,424,000	4,014
Provision for loan and lease losses	$135,000	4,043
Total noninterest income	$436,000	3,387
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$104,000	4,309
Trading account gains and fees	$0	153
Additional Noninterest Income	$332,000	2,730
Total noninterest expense	$2,054,000	4,086
Salaries and employee benefits	$890,000	4,517
Premises and equipment expense	$421,000	2,831
Additional noninterest expense	$743,000	3,926
Pre-tax net operating income	$671,000	3,254
Securities gains (losses)	$0	2,914
Applicable income taxes	$82,000	3,010
Income before extraordinary items	$589,000	3,221
Extraordinary gains, net	$0	15
Net income	$589,000	3,221
Minority interest net income	$0	89
Net income of bank and minority interests.	$589,000	3,222
Net charge-offs	$8,000	5,406
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$589,000	3,133
2011-03-31 (YTD Data)		Rank
Total interest income	$1,543,000	4,074
Total interest expense	$314,000	4,194
Net interest income	$1,229,000	3,987
Provision for loan and lease losses	$110,000	3,236
Total noninterest income	$305,000	2,796
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$50,000	4,342
Trading account gains and fees	$0	158
Additional Noninterest Income	$255,000	2,117
Total noninterest expense	$1,033,000	4,095
Salaries and employee benefits	$432,000	4,637
Premises and equipment expense	$203,000	2,949
Additional noninterest expense	$398,000	3,740
Pre-tax net operating income	$391,000	3,021
Securities gains (losses)	$0	1,772
Applicable income taxes	$68,000	2,582
Income before extraordinary items	$323,000	3,072
Extraordinary gains, net	$0	9
Net income	$323,000	3,070
Minority interest net income	$0	86
Net income of bank and minority interests.	$323,000	3,072
Net charge-offs	$5,000	4,645
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$323,000	3,021
2010-12-31 (YTD Data)		Rank
Total interest income	$6,241,000	4,203
Total interest expense	$1,660,000	4,030
Net interest income	$4,581,000	4,186
Provision for loan and lease losses	$1,910,000	2,134
Total noninterest income	$1,102,000	3,060
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$225,000	4,198
Trading account gains and fees	$0	175
Additional Noninterest Income	$877,000	2,368
Total noninterest expense	$4,049,000	4,181
Salaries and employee benefits	$1,758,000	4,596
Premises and equipment expense	$774,000	3,049
Additional noninterest expense	$1,517,000	3,974
Pre-tax net operating income	$-276,000	6,089
Securities gains (losses)	$1,000	3,687
Applicable income taxes	$-404,000	7,111
Income before extraordinary items	$129,000	5,515
Extraordinary gains, net	$0	29
Net income	$129,000	5,515
Minority interest net income	$0	111
Net income of bank and minority interests.	$129,000	5,516
Net charge-offs	$1,055,000	2,616
Cash dividends	$106,000	3,665
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$128,360	5,390
2010-09-30 (YTD Data)		Rank
Total interest income	$4,657,000	4,308
Total interest expense	$1,287,000	4,093
Net interest income	$3,370,000	4,307
Provision for loan and lease losses	$1,510,000	1,964
Total noninterest income	$662,000	3,504
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$170,000	4,256
Trading account gains and fees	$0	165
Additional Noninterest Income	$492,000	2,780
Total noninterest expense	$2,964,000	4,277
Salaries and employee benefits	$1,332,000	4,604
Premises and equipment expense	$557,000	3,197
Additional noninterest expense	$1,075,000	4,108
Pre-tax net operating income	$-442,000	6,518
Securities gains (losses)	$0	3,651
Applicable income taxes	$-374,000	7,313
Income before extraordinary items	$-68,000	6,261
Extraordinary gains, net	$0	23
Net income	$-68,000	6,262
Minority interest net income	$0	110
Net income of bank and minority interests.	$-68,000	6,262
Net charge-offs	$1,015,000	2,179
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-68,000	6,154
2010-06-30 (YTD Data)		Rank
Total interest income	$3,088,000	4,359
Total interest expense	$877,000	4,129
Net interest income	$2,211,000	4,352
Provision for loan and lease losses	$1,085,000	1,861
Total noninterest income	$437,000	3,472
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$114,000	4,243
Trading account gains and fees	$0	152
Additional Noninterest Income	$323,000	2,743
Total noninterest expense	$1,978,000	4,272
Salaries and employee benefits	$877,000	4,663
Premises and equipment expense	$348,000	3,387
Additional noninterest expense	$753,000	3,939
Pre-tax net operating income	$-415,000	6,682
Securities gains (losses)	$0	3,184
Applicable income taxes	$-228,000	7,348
Income before extraordinary items	$-187,000	6,547
Extraordinary gains, net	$0	19
Net income	$-187,000	6,549
Minority interest net income	$0	105
Net income of bank and minority interests.	$-187,000	6,547
Net charge-offs	$561,000	2,320
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-187,000	6,490
2010-03-31 (YTD Data)		Rank
Total interest income	$1,527,000	4,443
Total interest expense	$443,000	4,229
Net interest income	$1,084,000	4,436
Provision for loan and lease losses	$310,000	2,339
Total noninterest income	$191,000	3,748
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$57,000	4,229
Trading account gains and fees	$0	175
Additional Noninterest Income	$134,000	3,024
Total noninterest expense	$976,000	4,350
Salaries and employee benefits	$442,000	4,704
Premises and equipment expense	$170,000	3,538
Additional noninterest expense	$364,000	4,042
Pre-tax net operating income	$-11,000	6,331
Securities gains (losses)	$0	2,284
Applicable income taxes	$-84,000	7,421
Income before extraordinary items	$73,000	5,359
Extraordinary gains, net	$0	16
Net income	$73,000	5,360
Minority interest net income	$0	91
Net income of bank and minority interests.	$73,000	5,359
Net charge-offs	$-2,000	7,007
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$73,000	5,245
2009-12-31 (YTD Data)		Rank
Total interest income	$6,260,000	4,486
Total interest expense	$2,035,000	4,396
Net interest income	$4,225,000	4,409
Provision for loan and lease losses	$631,000	4,179
Total noninterest income	$1,233,000	2,919
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$229,000	4,399
Trading account gains and fees	$0	211
Additional Noninterest Income	$1,004,000	2,138
Total noninterest expense	$3,843,000	4,450
Salaries and employee benefits	$1,768,000	4,709
Premises and equipment expense	$729,000	3,358
Additional noninterest expense	$1,346,000	4,395
Pre-tax net operating income	$984,000	3,013
Securities gains (losses)	$55,000	2,569
Applicable income taxes	$77,000	3,023
Income before extraordinary items	$962,000	2,836
Extraordinary gains, net	$0	34
Net income	$962,000	2,834
Minority interest net income	$0	115
Net income of bank and minority interests.	$962,000	2,836
Net charge-offs	$449,000	3,934
Cash dividends	$338,000	3,073
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$910,850	2,871
2009-09-30 (YTD Data)		Rank
Total interest income	$4,655,000	4,579
Total interest expense	$1,560,000	4,483
Net interest income	$3,095,000	4,497
Provision for loan and lease losses	$235,000	4,932
Total noninterest income	$1,030,000	2,765
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$169,000	4,448
Trading account gains and fees	$0	212
Additional Noninterest Income	$861,000	2,025
Total noninterest expense	$2,914,000	4,432
Salaries and employee benefits	$1,359,000	4,686
Premises and equipment expense	$539,000	3,432
Additional noninterest expense	$1,016,000	4,336
Pre-tax net operating income	$976,000	2,780
Securities gains (losses)	$53,000	2,261
Applicable income taxes	$158,000	2,526
Income before extraordinary items	$871,000	2,715
Extraordinary gains, net	$0	27
Net income	$871,000	2,712
Minority interest net income	$0	118
Net income of bank and minority interests.	$871,000	2,715
Net charge-offs	$432,000	3,242
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$825,950	2,760
2009-06-30 (YTD Data)		Rank
Total interest income	$3,138,000	4,588
Total interest expense	$1,058,000	4,561
Net interest income	$2,080,000	4,468
Provision for loan and lease losses	$125,000	4,998
Total noninterest income	$836,000	2,455
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$104,000	4,585
Trading account gains and fees	$0	193
Additional Noninterest Income	$732,000	1,760
Total noninterest expense	$1,975,000	4,413
Salaries and employee benefits	$894,000	4,764
Premises and equipment expense	$375,000	3,353
Additional noninterest expense	$706,000	4,244
Pre-tax net operating income	$816,000	2,485
Securities gains (losses)	$53,000	1,874
Applicable income taxes	$181,000	2,070
Income before extraordinary items	$688,000	2,525
Extraordinary gains, net	$0	21
Net income	$688,000	2,522
Minority interest net income	$0	112
Net income of bank and minority interests.	$688,000	2,524
Net charge-offs	$43,000	5,045
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$646,130	2,556
2009-03-31 (YTD Data)		Rank
Total interest income	$1,548,000	4,666
Total interest expense	$530,000	4,678
Net interest income	$1,018,000	4,522
Provision for loan and lease losses	$85,000	4,161
Total noninterest income	$423,000	2,402
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$45,000	4,805
Trading account gains and fees	$0	171
Additional Noninterest Income	$378,000	1,683
Total noninterest expense	$969,000	4,399
Salaries and employee benefits	$443,000	4,849
Premises and equipment expense	$161,000	3,778
Additional noninterest expense	$365,000	3,836
Pre-tax net operating income	$387,000	2,858
Securities gains (losses)	$44,000	1,356
Applicable income taxes	$95,000	2,238
Income before extraordinary items	$336,000	2,911
Extraordinary gains, net	$0	15
Net income	$336,000	2,912
Minority interest net income	$0	102
Net income of bank and minority interests.	$336,000	2,912
Net charge-offs	$47,000	3,624
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$301,680	2,967
2008-12-31 (YTD Data)		Rank
Total interest income	$6,439,000	4,723
Total interest expense	$2,637,000	4,598
Net interest income	$3,802,000	4,732
Provision for loan and lease losses	$250,000	4,899
Total noninterest income	$701,000	4,137
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$191,000	4,891
Trading account gains and fees	$0	154
Additional Noninterest Income	$510,000	3,142
Total noninterest expense	$3,345,000	4,775
Salaries and employee benefits	$1,589,000	5,153
Premises and equipment expense	$599,000	3,944
Additional noninterest expense	$1,157,000	4,399
Pre-tax net operating income	$908,000	3,933
Securities gains (losses)	$16,000	2,295
Applicable income taxes	$121,000	3,235
Income before extraordinary items	$803,000	3,698
Extraordinary gains, net	$0	39
Net income	$803,000	3,698
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$150,000	4,465
Cash dividends	$338,000	3,930
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$789,080	3,851
2008-09-30 (YTD Data)		Rank
Total interest income	$4,845,000	4,786
Total interest expense	$2,043,000	4,636
Net interest income	$2,802,000	4,816
Provision for loan and lease losses	$185,000	4,316
Total noninterest income	$548,000	4,137
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$137,000	5,005
Trading account gains and fees	$0	148
Additional Noninterest Income	$411,000	3,139
Total noninterest expense	$2,471,000	4,791
Salaries and employee benefits	$1,178,000	5,230
Premises and equipment expense	$429,000	4,080
Additional noninterest expense	$864,000	4,330
Pre-tax net operating income	$694,000	4,360
Securities gains (losses)	$5,000	2,631
Applicable income taxes	$89,000	3,690
Income before extraordinary items	$610,000	4,100
Extraordinary gains, net	$0	31
Net income	$610,000	4,097
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$133,000	3,589
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$605,650	4,255
2008-06-30 (YTD Data)		Rank
Total interest income	$3,272,000	4,815
Total interest expense	$1,402,000	4,700
Net interest income	$1,870,000	4,825
Provision for loan and lease losses	$95,000	4,331
Total noninterest income	$382,000	4,107
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$89,000	5,053
Trading account gains and fees	$0	149
Additional Noninterest Income	$293,000	3,065
Total noninterest expense	$1,612,000	4,893
Salaries and employee benefits	$760,000	5,365
Premises and equipment expense	$270,000	4,298
Additional noninterest expense	$582,000	4,279
Pre-tax net operating income	$545,000	4,224
Securities gains (losses)	$4,000	2,798
Applicable income taxes	$91,000	3,548
Income before extraordinary items	$458,000	4,201
Extraordinary gains, net	$0	21
Net income	$458,000	4,201
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$83,000	3,249
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$454,680	4,157
2008-03-31 (YTD Data)		Rank
Total interest income	$1,670,000	4,858
Total interest expense	$732,000	4,765
Net interest income	$938,000	4,840
Provision for loan and lease losses	$30,000	4,346
Total noninterest income	$155,000	4,541
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$43,000	5,092
Trading account gains and fees	$0	158
Additional Noninterest Income	$112,000	3,569
Total noninterest expense	$797,000	4,942
Salaries and employee benefits	$359,000	5,565
Premises and equipment expense	$118,000	4,678
Additional noninterest expense	$320,000	3,920
Pre-tax net operating income	$266,000	4,415
Securities gains (losses)	$4,000	2,294
Applicable income taxes	$46,000	3,650
Income before extraordinary items	$224,000	4,435
Extraordinary gains, net	$0	15
Net income	$224,000	4,437
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,009
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$220,680	4,365
2007-12-31 (YTD Data)		Rank
Total interest income	$6,792,000	4,821
Total interest expense	$3,164,000	4,639
Net interest income	$3,628,000	4,916
Provision for loan and lease losses	$75,000	5,254
Total noninterest income	$526,000	4,918
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$173,000	5,173
Trading account gains and fees	$0	178
Additional Noninterest Income	$353,000	3,972
Total noninterest expense	$2,841,000	5,178
Salaries and employee benefits	$1,418,000	5,476
Premises and equipment expense	$476,000	4,515
Additional noninterest expense	$947,000	4,813
Pre-tax net operating income	$1,238,000	4,294
Securities gains (losses)	$0	2,146
Applicable income taxes	$237,000	3,673
Income before extraordinary items	$1,001,000	4,324
Extraordinary gains, net	$0	39
Net income	$1,001,000	4,326
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,123
Cash dividends	$335,000	4,282
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,001,000	4,310
2007-09-30 (YTD Data)		Rank
Total interest income	$5,018,000	4,888
Total interest expense	$2,392,000	4,622
Net interest income	$2,626,000	5,042
Provision for loan and lease losses	$60,000	4,834
Total noninterest income	$376,000	5,051
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$130,000	5,196
Trading account gains and fees	$0	184
Additional Noninterest Income	$246,000	4,123
Total noninterest expense	$2,086,000	5,222
Salaries and employee benefits	$1,059,000	5,463
Premises and equipment expense	$362,000	4,451
Additional noninterest expense	$665,000	4,942
Pre-tax net operating income	$856,000	4,703
Securities gains (losses)	$0	1,655
Applicable income taxes	$153,000	4,027
Income before extraordinary items	$703,000	4,652
Extraordinary gains, net	$0	33
Net income	$703,000	4,651
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$703,000	4,640
2007-06-30 (YTD Data)		Rank
Total interest income	$3,319,000	4,931
Total interest expense	$1,582,000	4,621
Net interest income	$1,737,000	5,100
Provision for loan and lease losses	$45,000	4,495
Total noninterest income	$234,000	5,249
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$85,000	5,242
Trading account gains and fees	$0	168
Additional Noninterest Income	$149,000	4,320
Total noninterest expense	$1,375,000	5,297
Salaries and employee benefits	$708,000	5,512
Premises and equipment expense	$238,000	4,518
Additional noninterest expense	$429,000	5,055
Pre-tax net operating income	$551,000	4,857
Securities gains (losses)	$0	1,444
Applicable income taxes	$97,000	4,157
Income before extraordinary items	$454,000	4,792
Extraordinary gains, net	$0	29
Net income	$454,000	4,792
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	4,113
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$454,000	4,789
2007-03-31 (YTD Data)		Rank
Total interest income	$1,630,000	4,970
Total interest expense	$770,000	4,688
Net interest income	$860,000	5,144
Provision for loan and lease losses	$30,000	3,737
Total noninterest income	$115,000	5,218
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$45,000	5,093
Trading account gains and fees	$0	195
Additional Noninterest Income	$70,000	4,459
Total noninterest expense	$659,000	5,461
Salaries and employee benefits	$347,000	5,618
Premises and equipment expense	$115,000	4,635
Additional noninterest expense	$197,000	5,309
Pre-tax net operating income	$286,000	4,758
Securities gains (losses)	$0	1,187
Applicable income taxes	$56,000	3,993
Income before extraordinary items	$230,000	4,751
Extraordinary gains, net	$0	22
Net income	$230,000	4,753
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$56,000	1,636
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$230,000	4,729
2006-12-31 (YTD Data)		Rank
Total interest income	$6,175,000	4,907
Total interest expense	$2,672,000	4,634
Net interest income	$3,503,000	5,053
Provision for loan and lease losses	$135,000	4,209
Total noninterest income	$795,000	4,066
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$212,000	4,859
Trading account gains and fees	$0	130
Additional Noninterest Income	$583,000	3,070
Total noninterest expense	$2,835,000	5,076
Salaries and employee benefits	$1,361,000	5,496
Premises and equipment expense	$534,000	4,090
Additional noninterest expense	$940,000	4,714
Pre-tax net operating income	$1,328,000	4,557
Securities gains (losses)	$-33,000	7,764
Applicable income taxes	$251,000	4,029
Income before extraordinary items	$1,044,000	4,617
Extraordinary gains, net	$0	51
Net income	$1,044,000	4,619
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	7,921
Cash dividends	$328,000	4,369
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,070,730	4,546
2006-09-30 (YTD Data)		Rank
Total interest income	$4,526,000	4,963
Total interest expense	$1,919,000	4,675
Net interest income	$2,607,000	5,116
Provision for loan and lease losses	$135,000	3,558
Total noninterest income	$623,000	3,970
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$167,000	4,809
Trading account gains and fees	$0	126
Additional Noninterest Income	$456,000	2,990
Total noninterest expense	$2,152,000	5,020
Salaries and employee benefits	$1,031,000	5,449
Premises and equipment expense	$408,000	4,056
Additional noninterest expense	$713,000	4,638
Pre-tax net operating income	$943,000	4,847
Securities gains (losses)	$-11,000	7,627
Applicable income taxes	$171,000	4,344
Income before extraordinary items	$761,000	4,813
Extraordinary gains, net	$0	45
Net income	$761,000	4,817
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,157
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$770,020	4,786
2006-06-30 (YTD Data)		Rank
Total interest income	$2,972,000	4,986
Total interest expense	$1,229,000	4,641
Net interest income	$1,743,000	5,125
Provision for loan and lease losses	$120,000	2,983
Total noninterest income	$422,000	3,930
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$119,000	4,620
Trading account gains and fees	$0	126
Additional Noninterest Income	$303,000	2,998
Total noninterest expense	$1,415,000	5,081
Salaries and employee benefits	$673,000	5,549
Premises and equipment expense	$272,000	4,060
Additional noninterest expense	$470,000	4,666
Pre-tax net operating income	$630,000	4,882
Securities gains (losses)	$-10,000	7,862
Applicable income taxes	$125,000	4,252
Income before extraordinary items	$495,000	4,900
Extraordinary gains, net	$0	39
Net income	$495,000	4,905
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-20,000	8,084
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$503,000	4,855
2006-03-31 (YTD Data)		Rank
Total interest income	$1,468,000	4,954
Total interest expense	$595,000	4,600
Net interest income	$873,000	5,123
Provision for loan and lease losses	$45,000	3,261
Total noninterest income	$201,000	3,973
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$61,000	4,498
Trading account gains and fees	$0	115
Additional Noninterest Income	$140,000	3,094
Total noninterest expense	$716,000	5,062
Salaries and employee benefits	$338,000	5,552
Premises and equipment expense	$138,000	4,023
Additional noninterest expense	$240,000	4,590
Pre-tax net operating income	$313,000	4,861
Securities gains (losses)	$1,000	856
Applicable income taxes	$62,000	4,220
Income before extraordinary items	$252,000	4,841
Extraordinary gains, net	$0	21
Net income	$252,000	4,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	6,875
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$251,200	4,832
2005-12-31 (YTD Data)		Rank
Total interest income	$5,456,000	4,873
Total interest expense	$2,050,000	4,357
Net interest income	$3,406,000	5,098
Provision for loan and lease losses	$160,000	4,008
Total noninterest income	$599,000	4,788
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$248,000	4,588
Trading account gains and fees	$0	138
Additional Noninterest Income	$351,000	4,016
Total noninterest expense	$2,794,000	5,021
Salaries and employee benefits	$1,351,000	5,406
Premises and equipment expense	$548,000	3,911
Additional noninterest expense	$895,000	4,790
Pre-tax net operating income	$1,051,000	5,225
Securities gains (losses)	$27,000	1,153
Applicable income taxes	$181,000	4,788
Income before extraordinary items	$897,000	5,094
Extraordinary gains, net	$0	46
Net income	$897,000	5,096
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$235,000	2,073
Cash dividends	$307,000	4,343
Sale, conversion, retirement of capital stock, net	$-82,000	8,762
Net operating income	$874,590	5,118
2005-09-30 (YTD Data)		Rank
Total interest income	$3,990,000	4,925
Total interest expense	$1,484,000	4,325
Net interest income	$2,506,000	5,172
Provision for loan and lease losses	$130,000	3,749
Total noninterest income	$448,000	4,836
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$184,000	4,638
Trading account gains and fees	$0	126
Additional Noninterest Income	$264,000	4,027
Total noninterest expense	$2,056,000	5,045
Salaries and employee benefits	$1,003,000	5,409
Premises and equipment expense	$394,000	4,009
Additional noninterest expense	$659,000	4,803
Pre-tax net operating income	$768,000	5,429
Securities gains (losses)	$27,000	1,107
Applicable income taxes	$133,000	4,952
Income before extraordinary items	$662,000	5,221
Extraordinary gains, net	$0	35
Net income	$662,000	5,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	4,476
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$-82,000	8,806
Net operating income	$639,590	5,270
2005-06-30 (YTD Data)		Rank
Total interest income	$2,602,000	4,933
Total interest expense	$955,000	4,264
Net interest income	$1,647,000	5,208
Provision for loan and lease losses	$90,000	3,491
Total noninterest income	$301,000	4,778
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$121,000	4,629
Trading account gains and fees	$0	116
Additional Noninterest Income	$180,000	3,941
Total noninterest expense	$1,354,000	5,083
Salaries and employee benefits	$656,000	5,455
Premises and equipment expense	$262,000	4,005
Additional noninterest expense	$436,000	4,828
Pre-tax net operating income	$504,000	5,466
Securities gains (losses)	$27,000	1,002
Applicable income taxes	$89,000	4,966
Income before extraordinary items	$442,000	5,193
Extraordinary gains, net	$0	30
Net income	$442,000	5,195
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	3,582
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$-82,000	8,832
Net operating income	$419,590	5,285
2005-03-31 (YTD Data)		Rank
Total interest income	$1,276,000	4,978
Total interest expense	$459,000	4,276
Net interest income	$817,000	5,273
Provision for loan and lease losses	$45,000	3,327
Total noninterest income	$128,000	5,109
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$63,000	4,498
Trading account gains and fees	$0	115
Additional Noninterest Income	$65,000	4,607
Total noninterest expense	$648,000	5,260
Salaries and employee benefits	$315,000	5,618
Premises and equipment expense	$128,000	4,125
Additional noninterest expense	$205,000	4,984
Pre-tax net operating income	$252,000	5,435
Securities gains (losses)	$22,000	766
Applicable income taxes	$42,000	4,975
Income before extraordinary items	$232,000	5,054
Extraordinary gains, net	$0	24
Net income	$232,000	5,055
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	8,145
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$-28,000	8,896
Net operating income	$213,300	5,227
2004-12-31 (YTD Data)		Rank
Total interest income	$4,885,000	4,923
Total interest expense	$1,777,000	4,013
Net interest income	$3,108,000	5,304
Provision for loan and lease losses	$120,000	4,623
Total noninterest income	$512,000	5,209
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$261,000	4,654
Trading account gains and fees	$0	138
Additional Noninterest Income	$251,000	4,636
Total noninterest expense	$2,521,000	5,276
Salaries and employee benefits	$1,199,000	5,695
Premises and equipment expense	$466,000	4,304
Additional noninterest expense	$856,000	4,864
Pre-tax net operating income	$979,000	5,288
Securities gains (losses)	$105,000	1,210
Applicable income taxes	$187,000	4,839
Income before extraordinary items	$897,000	4,981
Extraordinary gains, net	$0	34
Net income	$897,000	4,982
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	3,672
Cash dividends	$297,000	4,405
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$809,850	5,170
2004-09-30 (YTD Data)		Rank
Total interest income	$3,598,000	4,973
Total interest expense	$1,334,000	3,973
Net interest income	$2,264,000	5,385
Provision for loan and lease losses	$90,000	4,429
Total noninterest income	$379,000	5,270
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$197,000	4,676
Trading account gains and fees	$0	134
Additional Noninterest Income	$182,000	4,696
Total noninterest expense	$1,838,000	5,343
Salaries and employee benefits	$876,000	5,736
Premises and equipment expense	$331,000	4,460
Additional noninterest expense	$631,000	4,886
Pre-tax net operating income	$715,000	5,466
Securities gains (losses)	$85,000	1,292
Applicable income taxes	$128,000	5,064
Income before extraordinary items	$672,000	5,061
Extraordinary gains, net	$0	26
Net income	$672,000	5,061
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	3,265
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$600,600	5,278
2004-06-30 (YTD Data)		Rank
Total interest income	$2,378,000	5,010
Total interest expense	$903,000	3,915
Net interest income	$1,475,000	5,460
Provision for loan and lease losses	$60,000	4,267
Total noninterest income	$250,000	5,290
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$128,000	4,721
Trading account gains and fees	$0	130
Additional Noninterest Income	$122,000	4,745
Total noninterest expense	$1,198,000	5,447
Salaries and employee benefits	$570,000	5,846
Premises and equipment expense	$212,000	4,591
Additional noninterest expense	$416,000	4,929
Pre-tax net operating income	$467,000	5,481
Securities gains (losses)	$78,000	1,181
Applicable income taxes	$94,000	4,923
Income before extraordinary items	$451,000	5,000
Extraordinary gains, net	$0	21
Net income	$451,000	5,000
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	2,617
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$386,260	5,317
2004-03-31 (YTD Data)		Rank
Total interest income	$1,178,000	5,063
Total interest expense	$458,000	3,916
Net interest income	$720,000	5,527
Provision for loan and lease losses	$30,000	4,060
Total noninterest income	$116,000	5,420
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$59,000	4,847
Trading account gains and fees	$0	121
Additional Noninterest Income	$57,000	4,851
Total noninterest expense	$598,000	5,458
Salaries and employee benefits	$284,000	5,901
Premises and equipment expense	$109,000	4,538
Additional noninterest expense	$205,000	4,985
Pre-tax net operating income	$208,000	5,738
Securities gains (losses)	$58,000	1,108
Applicable income taxes	$47,000	4,925
Income before extraordinary items	$219,000	5,117
Extraordinary gains, net	$0	16
Net income	$219,000	5,117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	3,590
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$171,440	5,581
2003-12-31 (YTD Data)		Rank
Total interest income	$4,508,000	5,234
Total interest expense	$1,790,000	4,363
Net interest income	$2,718,000	5,621
Provision for loan and lease losses	$120,000	4,933
Total noninterest income	$454,000	5,676
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$209,000	5,171
Trading account gains and fees	$0	160
Additional Noninterest Income	$245,000	4,890
Total noninterest expense	$2,203,000	5,676
Salaries and employee benefits	$1,047,000	6,104
Premises and equipment expense	$370,000	4,997
Additional noninterest expense	$786,000	5,114
Pre-tax net operating income	$849,000	5,545
Securities gains (losses)	$0	4,500
Applicable income taxes	$118,000	5,544
Income before extraordinary items	$731,000	5,467
Extraordinary gains, net	$0	54
Net income	$731,000	5,468
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,670
Cash dividends	$287,000	4,459
Sale, conversion, retirement of capital stock, net	$-221,000	9,127
Net operating income	$731,000	5,316
2003-09-30 (YTD Data)		Rank
Total interest income	$3,347,000	5,334
Total interest expense	$1,313,000	4,554
Net interest income	$2,034,000	5,666
Provision for loan and lease losses	$90,000	4,812
Total noninterest income	$335,000	5,777
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$148,000	5,338
Trading account gains and fees	$0	153
Additional Noninterest Income	$187,000	4,928
Total noninterest expense	$1,570,000	5,828
Salaries and employee benefits	$754,000	6,219
Premises and equipment expense	$260,000	5,196
Additional noninterest expense	$556,000	5,282
Pre-tax net operating income	$709,000	5,465
Securities gains (losses)	$0	4,204
Applicable income taxes	$98,000	5,585
Income before extraordinary items	$611,000	5,348
Extraordinary gains, net	$0	40
Net income	$611,000	5,347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	5,594
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$-221,000	9,187
Net operating income	$611,000	5,167
2003-06-30 (YTD Data)		Rank
Total interest income	$2,227,000	5,375
Total interest expense	$874,000	4,662
Net interest income	$1,353,000	5,657
Provision for loan and lease losses	$60,000	4,687
Total noninterest income	$207,000	5,916
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$91,000	5,480
Trading account gains and fees	$0	150
Additional Noninterest Income	$116,000	5,059
Total noninterest expense	$1,016,000	5,940
Salaries and employee benefits	$502,000	6,245
Premises and equipment expense	$167,000	5,295
Additional noninterest expense	$347,000	5,499
Pre-tax net operating income	$484,000	5,397
Securities gains (losses)	$0	3,782
Applicable income taxes	$82,000	5,386
Income before extraordinary items	$402,000	5,391
Extraordinary gains, net	$0	30
Net income	$402,000	5,391
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	4,910
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$-25,000	9,198
Net operating income	$402,000	5,184
2003-03-31 (YTD Data)		Rank
Total interest income	$1,098,000	5,453
Total interest expense	$445,000	4,702
Net interest income	$653,000	5,770
Provision for loan and lease losses	$30,000	4,429
Total noninterest income	$98,000	5,965
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$43,000	5,528
Trading account gains and fees	$0	134
Additional Noninterest Income	$55,000	5,085
Total noninterest expense	$505,000	5,961
Salaries and employee benefits	$254,000	6,193
Premises and equipment expense	$76,000	5,602
Additional noninterest expense	$175,000	5,453
Pre-tax net operating income	$216,000	5,658
Securities gains (losses)	$0	2,891
Applicable income taxes	$26,000	5,851
Income before extraordinary items	$190,000	5,446
Extraordinary gains, net	$0	21
Net income	$190,000	5,444
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,250
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$-25,000	9,265
Net operating income	$190,000	5,252
2002-12-31 (YTD Data)		Rank
Total interest income	$4,686,000	5,391
Total interest expense	$2,138,000	4,593
Net interest income	$2,548,000	5,835
Provision for loan and lease losses	$125,000	5,264
Total noninterest income	$422,000	5,640
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$190,000	5,314
Trading account gains and fees	$0	153
Additional Noninterest Income	$232,000	4,737
Total noninterest expense	$1,852,000	6,152
Salaries and employee benefits	$889,000	6,558
Premises and equipment expense	$264,000	5,954
Additional noninterest expense	$699,000	5,407
Pre-tax net operating income	$993,000	5,223
Securities gains (losses)	$0	4,537
Applicable income taxes	$173,000	5,317
Income before extraordinary items	$820,000	5,131
Extraordinary gains, net	$0	70
Net income	$820,000	5,130
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,091
Cash dividends	$281,000	4,439
Sale, conversion, retirement of capital stock, net	$-66,000	9,240
Net operating income	$820,000	4,998
2001-12-31 (YTD Data)		Rank
Total interest income	$5,146,000	5,516
Total interest expense	$2,815,000	4,966
Net interest income	$2,331,000	5,959
Provision for loan and lease losses	$180,000	4,345
Total noninterest income	$368,000	5,898
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$181,000	5,377
Trading account gains and fees	$0	177
Additional Noninterest Income	$187,000	5,069
Total noninterest expense	$1,786,000	6,160
Salaries and employee benefits	$869,000	6,499
Premises and equipment expense	$286,000	5,678
Additional noninterest expense	$631,000	5,655
Pre-tax net operating income	$733,000	5,707
Securities gains (losses)	$8,000	3,714
Applicable income taxes	$126,000	5,707
Income before extraordinary items	$615,000	5,558
Extraordinary gains, net	$0	105
Net income	$615,000	5,562
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	9,101
Cash dividends	$260,000	4,610
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$608,360	5,460
2000-12-31 (YTD Data)		Rank
Total interest income	$5,031,000	5,710
Total interest expense	$2,646,000	5,373
Net interest income	$2,385,000	5,980
Provision for loan and lease losses	$177,000	4,055
Total noninterest income	$359,000	5,829
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$191,000	5,217
Trading account gains and fees	NA	NA
Additional Noninterest Income	$168,000	5,219
Total noninterest expense	$1,617,000	6,448
Salaries and employee benefits	$815,000	6,660
Premises and equipment expense	$261,000	5,893
Additional noninterest expense	$541,000	6,125
Pre-tax net operating income	$950,000	5,398
Securities gains (losses)	$0	1,956
Applicable income taxes	$233,000	5,112
Income before extraordinary items	$717,000	5,351
Extraordinary gains, net	$0	38
Net income	$717,000	5,351
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	3,598
Cash dividends	$258,000	4,727
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$717,000	5,356
1999-12-31 (YTD Data)		Rank
Total interest income	$4,548,000	5,894
Total interest expense	$2,431,000	5,285
Net interest income	$2,117,000	6,435
Provision for loan and lease losses	$353,000	2,335
Total noninterest income	$493,000	4,993
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$142,000	5,981
Trading account gains and fees	NA	NA
Additional Noninterest Income	$351,000	3,689
Total noninterest expense	$1,604,000	6,523
Salaries and employee benefits	$758,000	6,955
Premises and equipment expense	$298,000	5,484
Additional noninterest expense	$548,000	6,166
Pre-tax net operating income	$653,000	6,504
Securities gains (losses)	$1,000	2,805
Applicable income taxes	$154,000	6,229
Income before extraordinary items	$500,000	6,442
Extraordinary gains, net	$0	35
Net income	$500,000	6,440
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$429,000	1,372
Cash dividends	$218,000	5,093
Sale, conversion, retirement of capital stock, net	$-71,000	10,088
Net operating income	$499,240	6,430
1998-12-31 (YTD Data)		Rank
Total interest income	$4,319,000	6,211
Total interest expense	$2,259,000	5,732
Net interest income	$2,060,000	6,563
Provision for loan and lease losses	$42,000	6,869
Total noninterest income	$330,000	6,202
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$41,000	8,271
Trading account gains and fees	NA	NA
Additional Noninterest Income	$289,000	4,115
Total noninterest expense	$1,404,000	6,953
Salaries and employee benefits	$647,000	7,486
Premises and equipment expense	$255,000	5,896
Additional noninterest expense	$502,000	6,419
Pre-tax net operating income	$944,000	5,592
Securities gains (losses)	$0	4,449
Applicable income taxes	$260,000	5,548
Income before extraordinary items	$684,000	5,679
Extraordinary gains, net	$0	32
Net income	$684,000	5,678
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	4,762
Cash dividends	$238,000	5,066
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$684,000	5,574
1997-12-31 (YTD Data)		Rank
Total interest income	$3,971,000	6,687
Total interest expense	$1,997,000	6,279
Net interest income	$1,974,000	6,965
Provision for loan and lease losses	$0	8,829
Total noninterest income	$180,000	8,125
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$29,000	8,938
Trading account gains and fees	NA	NA
Additional Noninterest Income	$151,000	5,664
Total noninterest expense	$1,388,000	7,064
Salaries and employee benefits	$627,000	7,740
Premises and equipment expense	$227,000	6,392
Additional noninterest expense	$534,000	6,243
Pre-tax net operating income	$766,000	6,701
Securities gains (losses)	$1,000	3,559
Applicable income taxes	$206,000	6,797
Income before extraordinary items	$561,000	6,591
Extraordinary gains, net	$0	44
Net income	$561,000	6,593
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,805
Cash dividends	$185,000	5,560
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$560,270	6,544
1996-12-31 (YTD Data)		Rank
Total interest income	$3,647,000	7,223
Total interest expense	$1,841,000	6,748
Net interest income	$1,806,000	7,552
Provision for loan and lease losses	$0	9,041
Total noninterest income	$139,000	9,187
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$27,000	9,437
Trading account gains and fees	NA	NA
Additional Noninterest Income	$112,000	6,807
Total noninterest expense	$1,154,000	8,139
Salaries and employee benefits	$551,000	8,475
Premises and equipment expense	$218,000	6,718
Additional noninterest expense	$385,000	8,005
Pre-tax net operating income	$791,000	6,544
Securities gains (losses)	$0	4,148
Applicable income taxes	$212,000	6,957
Income before extraordinary items	$579,000	6,404
Extraordinary gains, net	$0	53
Net income	$579,000	6,406
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,805
Cash dividends	$165,000	5,822
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$579,000	6,329
1995-12-31 (YTD Data)		Rank
Total interest income	$3,260,000	7,845
Total interest expense	$1,532,000	7,608
Net interest income	$1,728,000	7,938
Provision for loan and lease losses	$10,000	8,319
Total noninterest income	$125,000	9,756
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$26,000	9,888
Trading account gains and fees	NA	NA
Additional Noninterest Income	$99,000	7,273
Total noninterest expense	$1,114,000	8,518
Salaries and employee benefits	$527,000	8,880
Premises and equipment expense	$196,000	7,269
Additional noninterest expense	$391,000	8,280
Pre-tax net operating income	$729,000	7,169
Securities gains (losses)	$3,000	3,092
Applicable income taxes	$201,000	7,387
Income before extraordinary items	$531,000	7,022
Extraordinary gains, net	$0	65
Net income	$531,000	7,021
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	10,260
Cash dividends	$137,000	6,265
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$528,810	7,014
1994-12-31 (YTD Data)		Rank
Total interest income	$2,674,000	8,608
Total interest expense	$1,073,000	8,384
Net interest income	$1,601,000	8,579
Provision for loan and lease losses	$10,000	8,460
Total noninterest income	$104,000	10,637
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$49,000	9,727
Trading account gains and fees	NA	NA
Additional Noninterest Income	$55,000	9,362
Total noninterest expense	$1,084,000	9,035
Salaries and employee benefits	$501,000	9,385
Premises and equipment expense	$168,000	8,131
Additional noninterest expense	$415,000	8,674
Pre-tax net operating income	$611,000	7,938
Securities gains (losses)	$0	3,600
Applicable income taxes	$195,000	7,428
Income before extraordinary items	$416,000	8,040
Extraordinary gains, net	$0	249
Net income	$416,000	8,046
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$124,000	6,480
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$416,000	8,082
1993-12-31 (YTD Data)		Rank
Total interest income	$2,618,000	8,973
Total interest expense	$1,100,000	8,685
Net interest income	$1,518,000	9,044
Provision for loan and lease losses	$53,000	7,335
Total noninterest income	$104,000	11,221
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	10,068
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	9,868
Total noninterest expense	$853,000	10,421
Salaries and employee benefits	$382,000	10,818
Premises and equipment expense	$127,000	9,576
Additional noninterest expense	$344,000	9,910
Pre-tax net operating income	$716,000	7,276
Securities gains (losses)	$-62,000	13,120
Applicable income taxes	$200,000	7,620
Income before extraordinary items	$454,000	7,934
Extraordinary gains, net	$11,000	2,917
Net income	$465,000	8,006
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	9,724
Cash dividends	$110,000	6,702
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$496,780	7,334
1992-12-31 (YTD Data)		Rank
Total interest income	$2,784,000	9,361
Total interest expense	$1,441,000	8,695
Net interest income	$1,343,000	9,831
Provision for loan and lease losses	$0	11,756
Total noninterest income	$92,000	11,937
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$50,000	10,309
Trading account gains and fees	NA	NA
Additional Noninterest Income	$42,000	10,916
Total noninterest expense	$899,000	10,486
Salaries and employee benefits	$373,000	11,185
Premises and equipment expense	$108,000	10,453
Additional noninterest expense	$418,000	9,361
Pre-tax net operating income	$536,000	8,168
Securities gains (losses)	$1,000	7,986
Applicable income taxes	$142,000	8,837
Income before extraordinary items	$395,000	8,271
Extraordinary gains, net	$0	1,422
Net income	$395,000	8,398
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-23,000	13,151
Cash dividends	$96,000	6,732
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$394,260	7,919

* 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.