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Peoples Bank of Kentucky, Inc., Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$26,095,000	1,563
Total interest expense	$7,072,000	1,633
Net interest income	$19,023,000	1,502
Provision for loan and lease losses	$1,200,000	747
Total noninterest income	$2,504,000	1,803
Gross Fiduciary activities income	$32,000	806
Service charges on deposit accounts	$1,030,000	972
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,442,000	1,916
Total noninterest expense	$12,322,000	1,780
Salaries and employee benefits	$6,132,000	1,939
Premises and equipment expense	$1,503,000	1,538
Additional noninterest expense	$1,442,000	1,916
Pre-tax net operating income	$8,005,000	1,395
Securities gains (losses)	$0	988
Applicable income taxes	$1,874,000	1,018
Income before extraordinary items	$6,131,000	1,497
Extraordinary gains, net	$0	54
Net income	$6,131,000	1,513
Minority interest net income	$0	88
Net income of bank and minority interests.	$6,131,000	1,500
Net charge-offs	$223,000	1,103
Cash dividends	$1,063,000	2,098
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$6,131,000	1,523
2023-09-30 (YTD Data)		Rank
Total interest income	$18,692,000	1,578
Total interest expense	$4,760,000	1,630
Net interest income	$13,932,000	1,540
Provision for loan and lease losses	$900,000	696
Total noninterest income	$1,941,000	1,762
Gross Fiduciary activities income	$27,000	783
Service charges on deposit accounts	$772,000	972
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,142,000	1,859
Total noninterest expense	$8,713,000	1,856
Salaries and employee benefits	$4,398,000	1,987
Premises and equipment expense	$972,000	1,718
Additional noninterest expense	$1,142,000	1,859
Pre-tax net operating income	$6,260,000	1,398
Securities gains (losses)	$0	849
Applicable income taxes	$1,556,000	988
Income before extraordinary items	$4,704,000	1,526
Extraordinary gains, net	$0	52
Net income	$4,704,000	1,538
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,704,000	1,526
Net charge-offs	$225,000	851
Cash dividends	$335,000	2,507
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$4,704,000	1,548
2023-06-30 (YTD Data)		Rank
Total interest income	$11,820,000	1,621
Total interest expense	$2,861,000	1,609
Net interest income	$8,959,000	1,600
Provision for loan and lease losses	$600,000	689
Total noninterest income	$1,287,000	1,709
Gross Fiduciary activities income	$25,000	755
Service charges on deposit accounts	$502,000	975
Trading account gains and fees	NA	NA
Additional Noninterest Income	$760,000	1,799
Total noninterest expense	$5,585,000	1,888
Salaries and employee benefits	$2,903,000	2,002
Premises and equipment expense	$589,000	1,822
Additional noninterest expense	$760,000	1,797
Pre-tax net operating income	$4,061,000	1,423
Securities gains (losses)	$0	938
Applicable income taxes	$1,011,000	1,003
Income before extraordinary items	$3,050,000	1,557
Extraordinary gains, net	$0	51
Net income	$3,050,000	1,576
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,050,000	1,557
Net charge-offs	$129,000	832
Cash dividends	$335,000	2,239
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$3,050,000	1,572
2023-03-31 (YTD Data)		Rank
Total interest income	$5,496,000	1,686
Total interest expense	$1,226,000	1,617
Net interest income	$4,270,000	1,679
Provision for loan and lease losses	$300,000	662
Total noninterest income	$685,000	1,638
Gross Fiduciary activities income	$21,000	748
Service charges on deposit accounts	$254,000	981
Trading account gains and fees	NA	NA
Additional Noninterest Income	$410,000	1,698
Total noninterest expense	$2,643,000	1,989
Salaries and employee benefits	$1,311,000	2,150
Premises and equipment expense	$286,000	1,875
Additional noninterest expense	$410,000	1,698
Pre-tax net operating income	$2,012,000	1,468
Securities gains (losses)	$0	950
Applicable income taxes	$502,000	1,042
Income before extraordinary items	$1,510,000	1,593
Extraordinary gains, net	$0	4
Net income	$1,510,000	1,593
Minority interest net income	$0	48
Net income of bank and minority interests.	$1,510,000	1,593
Net charge-offs	$76,000	666
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$1,510,000	1,612
2022-12-31 (YTD Data)		Rank
Total interest income	$17,952,000	1,703
Total interest expense	$2,199,000	1,497
Net interest income	$15,753,000	1,727
Provision for loan and lease losses	$1,200,000	719
Total noninterest income	$2,381,000	1,863
Gross Fiduciary activities income	$31,000	839
Service charges on deposit accounts	$935,000	1,067
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,415,000	1,962
Total noninterest expense	$10,552,000	1,935
Salaries and employee benefits	$5,297,000	2,098
Premises and equipment expense	$1,243,000	1,768
Additional noninterest expense	$1,415,000	1,962
Pre-tax net operating income	$6,382,000	1,753
Securities gains (losses)	$0	691
Applicable income taxes	$1,504,000	1,261
Income before extraordinary items	$4,878,000	1,852
Extraordinary gains, net	$0	5
Net income	$4,878,000	1,850
Minority interest net income	$0	63
Net income of bank and minority interests.	$4,878,000	1,851
Net charge-offs	$183,000	976
Cash dividends	$918,000	2,226
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$4,878,000	1,883
2022-09-30 (YTD Data)		Rank
Total interest income	$12,891,000	1,707
Total interest expense	$1,523,000	1,300
Net interest income	$11,368,000	1,751
Provision for loan and lease losses	$900,000	670
Total noninterest income	$1,798,000	1,876
Gross Fiduciary activities income	$25,000	815
Service charges on deposit accounts	$683,000	1,100
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,090,000	1,965
Total noninterest expense	$7,505,000	2,010
Salaries and employee benefits	$3,740,000	2,185
Premises and equipment expense	$925,000	1,790
Additional noninterest expense	$1,090,000	1,965
Pre-tax net operating income	$4,761,000	1,755
Securities gains (losses)	$0	740
Applicable income taxes	$1,186,000	1,232
Income before extraordinary items	$3,575,000	1,866
Extraordinary gains, net	$0	4
Net income	$3,575,000	1,864
Minority interest net income	$0	57
Net income of bank and minority interests.	$3,575,000	1,865
Net charge-offs	$197,000	696
Cash dividends	$333,000	2,464
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$3,575,000	1,900
2022-06-30 (YTD Data)		Rank
Total interest income	$8,249,000	1,718
Total interest expense	$1,006,000	1,131
Net interest income	$7,243,000	1,783
Provision for loan and lease losses	$600,000	609
Total noninterest income	$1,140,000	1,924
Gross Fiduciary activities income	$23,000	762
Service charges on deposit accounts	$439,000	1,114
Trading account gains and fees	NA	NA
Additional Noninterest Income	$678,000	2,083
Total noninterest expense	$4,895,000	2,018
Salaries and employee benefits	$2,487,000	2,187
Premises and equipment expense	$617,000	1,790
Additional noninterest expense	$1,791,000	1,742
Pre-tax net operating income	$2,888,000	1,777
Securities gains (losses)	$0	687
Applicable income taxes	$719,000	1,219
Income before extraordinary items	$2,169,000	1,900
Extraordinary gains, net	$0	4
Net income	$2,169,000	1,900
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,169,000	1,900
Net charge-offs	$170,000	577
Cash dividends	$333,000	2,173
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$2,169,000	1,939
2022-03-31 (YTD Data)		Rank
Total interest income	$4,035,000	1,717
Total interest expense	$503,000	1,090
Net interest income	$3,532,000	1,777
Provision for loan and lease losses	$300,000	484
Total noninterest income	$556,000	1,947
Gross Fiduciary activities income	$22,000	728
Service charges on deposit accounts	$216,000	1,121
Trading account gains and fees	NA	NA
Additional Noninterest Income	$318,000	2,125
Total noninterest expense	$2,257,000	2,117
Salaries and employee benefits	$1,117,000	2,342
Premises and equipment expense	$330,000	1,727
Additional noninterest expense	$810,000	1,862
Pre-tax net operating income	$1,531,000	1,611
Securities gains (losses)	$0	623
Applicable income taxes	$381,000	1,133
Income before extraordinary items	$1,150,000	1,746
Extraordinary gains, net	$0	4
Net income	$1,150,000	1,746
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,150,000	1,746
Net charge-offs	$49,000	686
Cash dividends	$5,000	2,270
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,150,000	1,765
2021-12-31 (YTD Data)		Rank
Total interest income	$16,628,000	1,722
Total interest expense	$2,097,000	1,281
Net interest income	$14,531,000	1,759
Provision for loan and lease losses	$1,200,000	489
Total noninterest income	$1,961,000	2,246
Gross Fiduciary activities income	$32,000	797
Service charges on deposit accounts	$725,000	1,217
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,204,000	2,441
Total noninterest expense	$8,633,000	2,177
Salaries and employee benefits	$4,481,000	2,318
Premises and equipment expense	$1,283,000	1,733
Additional noninterest expense	$2,869,000	2,043
Pre-tax net operating income	$6,659,000	1,696
Securities gains (losses)	$0	2,062
Applicable income taxes	$1,562,000	1,283
Income before extraordinary items	$5,097,000	1,873
Extraordinary gains, net	$0	10
Net income	$5,097,000	1,873
Minority interest net income	$0	74
Net income of bank and minority interests.	$5,097,000	1,874
Net charge-offs	$231,000	959
Cash dividends	$2,665,000	1,282
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$5,097,000	1,839
2021-09-30 (YTD Data)		Rank
Total interest income	$12,325,000	1,767
Total interest expense	$1,589,000	1,338
Net interest income	$10,736,000	1,805
Provision for loan and lease losses	$900,000	492
Total noninterest income	$1,441,000	2,314
Gross Fiduciary activities income	$25,000	784
Service charges on deposit accounts	$509,000	1,276
Trading account gains and fees	NA	NA
Additional Noninterest Income	$907,000	2,487
Total noninterest expense	$6,185,000	2,247
Salaries and employee benefits	$3,210,000	2,408
Premises and equipment expense	$949,000	1,778
Additional noninterest expense	$2,026,000	2,139
Pre-tax net operating income	$5,092,000	1,734
Securities gains (losses)	$0	2,015
Applicable income taxes	$1,266,000	1,287
Income before extraordinary items	$3,826,000	1,935
Extraordinary gains, net	$0	8
Net income	$3,826,000	1,934
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,826,000	1,935
Net charge-offs	$202,000	790
Cash dividends	$1,950,000	1,190
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$3,826,000	1,916
2021-06-30 (YTD Data)		Rank
Total interest income	$8,140,000	1,788
Total interest expense	$1,077,000	1,380
Net interest income	$7,063,000	1,814
Provision for loan and lease losses	$600,000	497
Total noninterest income	$909,000	2,341
Gross Fiduciary activities income	$22,000	769
Service charges on deposit accounts	$312,000	1,321
Trading account gains and fees	NA	NA
Additional Noninterest Income	$575,000	2,492
Total noninterest expense	$4,098,000	2,251
Salaries and employee benefits	$2,149,000	2,393
Premises and equipment expense	$637,000	1,761
Additional noninterest expense	$1,312,000	2,160
Pre-tax net operating income	$3,274,000	1,748
Securities gains (losses)	$0	1,818
Applicable income taxes	$814,000	1,304
Income before extraordinary items	$2,460,000	1,971
Extraordinary gains, net	$0	6
Net income	$2,460,000	1,970
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,460,000	1,971
Net charge-offs	$38,000	1,249
Cash dividends	$1,950,000	890
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$2,460,000	1,931
2021-03-31 (YTD Data)		Rank
Total interest income	$4,112,000	1,770
Total interest expense	$550,000	1,411
Net interest income	$3,562,000	1,798
Provision for loan and lease losses	$300,000	548
Total noninterest income	$483,000	2,267
Gross Fiduciary activities income	$22,000	733
Service charges on deposit accounts	$155,000	1,318
Trading account gains and fees	NA	NA
Additional Noninterest Income	$306,000	2,437
Total noninterest expense	$1,873,000	2,361
Salaries and employee benefits	$982,000	2,518
Premises and equipment expense	$300,000	1,843
Additional noninterest expense	$591,000	2,286
Pre-tax net operating income	$1,872,000	1,601
Securities gains (losses)	$0	1,392
Applicable income taxes	$465,000	1,189
Income before extraordinary items	$1,407,000	1,792
Extraordinary gains, net	$0	3
Net income	$1,407,000	1,792
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,407,000	1,792
Net charge-offs	$24,000	1,089
Cash dividends	$1,628,000	537
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,407,000	1,754
2020-12-31 (YTD Data)		Rank
Total interest income	$15,597,000	1,830
Total interest expense	$3,081,000	1,457
Net interest income	$12,516,000	1,882
Provision for loan and lease losses	$938,000	1,671
Total noninterest income	$2,039,000	2,102
Gross Fiduciary activities income	$31,000	818
Service charges on deposit accounts	$685,000	1,269
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,323,000	2,196
Total noninterest expense	$8,944,000	2,108
Salaries and employee benefits	$4,458,000	2,305
Premises and equipment expense	$1,069,000	1,952
Additional noninterest expense	$3,417,000	1,737
Pre-tax net operating income	$4,673,000	1,868
Securities gains (losses)	$0	2,675
Applicable income taxes	$810,000	1,598
Income before extraordinary items	$3,863,000	1,969
Extraordinary gains, net	$0	4
Net income	$3,863,000	1,968
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,863,000	1,969
Net charge-offs	$257,000	1,383
Cash dividends	$2,546,000	1,273
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$3,863,000	1,920
2020-09-30 (YTD Data)		Rank
Total interest income	$11,793,000	1,832
Total interest expense	$2,454,000	1,460
Net interest income	$9,339,000	1,887
Provision for loan and lease losses	$638,000	1,756
Total noninterest income	$1,580,000	2,033
Gross Fiduciary activities income	$25,000	793
Service charges on deposit accounts	$516,000	1,262
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,039,000	2,109
Total noninterest expense	$6,615,000	2,116
Salaries and employee benefits	$3,219,000	2,352
Premises and equipment expense	$841,000	1,879
Additional noninterest expense	$2,555,000	1,721
Pre-tax net operating income	$3,666,000	1,787
Securities gains (losses)	$0	2,494
Applicable income taxes	$762,000	1,386
Income before extraordinary items	$2,904,000	1,940
Extraordinary gains, net	$0	4
Net income	$2,904,000	1,939
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,904,000	1,940
Net charge-offs	$97,000	1,686
Cash dividends	$1,947,000	1,145
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,904,000	1,887
2020-06-30 (YTD Data)		Rank
Total interest income	$8,025,000	1,823
Total interest expense	$1,724,000	1,481
Net interest income	$6,301,000	1,876
Provision for loan and lease losses	$375,000	1,842
Total noninterest income	$1,001,000	2,021
Gross Fiduciary activities income	$23,000	775
Service charges on deposit accounts	$354,000	1,240
Trading account gains and fees	NA	NA
Additional Noninterest Income	$624,000	2,144
Total noninterest expense	$4,358,000	2,127
Salaries and employee benefits	$2,068,000	2,418
Premises and equipment expense	$547,000	1,898
Additional noninterest expense	$1,743,000	1,686
Pre-tax net operating income	$2,569,000	1,658
Securities gains (losses)	$0	2,249
Applicable income taxes	$534,000	1,287
Income before extraordinary items	$2,035,000	1,822
Extraordinary gains, net	$0	4
Net income	$2,035,000	1,823
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,035,000	1,823
Net charge-offs	$73,000	1,514
Cash dividends	$1,947,000	838
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,035,000	1,774
2020-03-31 (YTD Data)		Rank
Total interest income	$3,989,000	1,812
Total interest expense	$893,000	1,549
Net interest income	$3,096,000	1,871
Provision for loan and lease losses	$186,000	1,503
Total noninterest income	$570,000	1,812
Gross Fiduciary activities income	$21,000	742
Service charges on deposit accounts	$211,000	1,251
Trading account gains and fees	NA	NA
Additional Noninterest Income	$338,000	1,881
Total noninterest expense	$2,187,000	2,132
Salaries and employee benefits	$1,036,000	2,422
Premises and equipment expense	$285,000	1,871
Additional noninterest expense	$866,000	1,708
Pre-tax net operating income	$1,293,000	1,486
Securities gains (losses)	$0	1,705
Applicable income taxes	$269,000	1,160
Income before extraordinary items	$1,024,000	1,633
Extraordinary gains, net	$0	4
Net income	$1,024,000	1,634
Minority interest net income	$0	56
Net income of bank and minority interests.	$1,024,000	1,634
Net charge-offs	$77,000	1,001
Cash dividends	$1,620,000	584
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,024,000	1,608
2019-12-31 (YTD Data)		Rank
Total interest income	$15,806,000	1,852
Total interest expense	$3,444,000	1,647
Net interest income	$12,362,000	1,885
Provision for loan and lease losses	$750,000	1,132
Total noninterest income	$2,062,000	1,935
Gross Fiduciary activities income	$30,000	837
Service charges on deposit accounts	$898,000	1,217
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,134,000	2,114
Total noninterest expense	$9,113,000	2,056
Salaries and employee benefits	$4,407,000	2,282
Premises and equipment expense	$1,043,000	1,985
Additional noninterest expense	$3,663,000	1,621
Pre-tax net operating income	$4,561,000	1,873
Securities gains (losses)	$0	2,379
Applicable income taxes	$886,000	1,528
Income before extraordinary items	$3,675,000	2,001
Extraordinary gains, net	$0	11
Net income	$3,675,000	2,003
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,675,000	2,003
Net charge-offs	$252,000	1,488
Cash dividends	$2,517,000	1,361
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$3,675,000	1,972
2019-09-30 (YTD Data)		Rank
Total interest income	$11,773,000	1,876
Total interest expense	$2,567,000	1,670
Net interest income	$9,206,000	1,914
Provision for loan and lease losses	$563,000	1,054
Total noninterest income	$1,575,000	1,920
Gross Fiduciary activities income	$23,000	825
Service charges on deposit accounts	$668,000	1,228
Trading account gains and fees	NA	NA
Additional Noninterest Income	$884,000	2,060
Total noninterest expense	$6,795,000	2,067
Salaries and employee benefits	$3,317,000	2,292
Premises and equipment expense	$835,000	1,901
Additional noninterest expense	$2,643,000	1,662
Pre-tax net operating income	$3,423,000	1,943
Securities gains (losses)	$0	2,167
Applicable income taxes	$709,000	1,524
Income before extraordinary items	$2,714,000	2,078
Extraordinary gains, net	$0	11
Net income	$2,714,000	2,077
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,714,000	2,079
Net charge-offs	$40,000	2,369
Cash dividends	$1,959,000	1,225
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$2,714,000	2,053
2019-06-30 (YTD Data)		Rank
Total interest income	$7,774,000	1,888
Total interest expense	$1,703,000	1,650
Net interest income	$6,071,000	1,938
Provision for loan and lease losses	$375,000	1,044
Total noninterest income	$1,079,000	1,889
Gross Fiduciary activities income	$21,000	805
Service charges on deposit accounts	$431,000	1,242
Trading account gains and fees	NA	NA
Additional Noninterest Income	$627,000	1,965
Total noninterest expense	$4,313,000	2,148
Salaries and employee benefits	$2,101,000	2,389
Premises and equipment expense	$515,000	2,021
Additional noninterest expense	$1,697,000	1,737
Pre-tax net operating income	$2,462,000	1,810
Securities gains (losses)	$0	1,702
Applicable income taxes	$510,000	1,429
Income before extraordinary items	$1,952,000	1,954
Extraordinary gains, net	$0	11
Net income	$1,952,000	1,952
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,952,000	1,954
Net charge-offs	$35,000	2,073
Cash dividends	$1,959,000	907
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,952,000	1,927
2019-03-31 (YTD Data)		Rank
Total interest income	$3,807,000	1,919
Total interest expense	$833,000	1,621
Net interest income	$2,974,000	1,968
Provision for loan and lease losses	$188,000	992
Total noninterest income	$539,000	1,854
Gross Fiduciary activities income	$20,000	765
Service charges on deposit accounts	$218,000	1,231
Trading account gains and fees	NA	NA
Additional Noninterest Income	$301,000	1,958
Total noninterest expense	$2,190,000	2,138
Salaries and employee benefits	$1,070,000	2,367
Premises and equipment expense	$283,000	1,907
Additional noninterest expense	$837,000	1,746
Pre-tax net operating income	$1,135,000	1,881
Securities gains (losses)	$0	1,087
Applicable income taxes	$235,000	1,450
Income before extraordinary items	$900,000	2,022
Extraordinary gains, net	$0	5
Net income	$900,000	2,021
Minority interest net income	$0	52
Net income of bank and minority interests.	$900,000	2,021
Net charge-offs	$1,000	2,582
Cash dividends	$1,627,000	587
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$900,000	2,005
2018-12-31 (YTD Data)		Rank
Total interest income	$13,584,000	2,007
Total interest expense	$2,233,000	1,797
Net interest income	$11,351,000	2,033
Provision for loan and lease losses	$750,000	1,096
Total noninterest income	$2,196,000	1,885
Gross Fiduciary activities income	$31,000	877
Service charges on deposit accounts	$870,000	1,285
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,295,000	1,955
Total noninterest expense	$8,405,000	2,171
Salaries and employee benefits	$4,062,000	2,432
Premises and equipment expense	$1,165,000	1,847
Additional noninterest expense	$3,178,000	1,820
Pre-tax net operating income	$4,392,000	1,969
Securities gains (losses)	$0	1,125
Applicable income taxes	$809,000	1,575
Income before extraordinary items	$3,583,000	2,047
Extraordinary gains, net	$0	6
Net income	$3,583,000	2,045
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,583,000	2,046
Net charge-offs	$931,000	624
Cash dividends	$882,000	2,374
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,583,000	2,043
2018-09-30 (YTD Data)		Rank
Total interest income	$9,886,000	2,040
Total interest expense	$1,531,000	1,843
Net interest income	$8,355,000	2,067
Provision for loan and lease losses	$562,000	1,036
Total noninterest income	$1,531,000	1,979
Gross Fiduciary activities income	$24,000	852
Service charges on deposit accounts	$640,000	1,312
Trading account gains and fees	NA	NA
Additional Noninterest Income	$867,000	2,102
Total noninterest expense	$6,126,000	2,209
Salaries and employee benefits	$3,057,000	2,417
Premises and equipment expense	$816,000	1,944
Additional noninterest expense	$2,253,000	1,916
Pre-tax net operating income	$3,198,000	2,037
Securities gains (losses)	$0	1,118
Applicable income taxes	$673,000	1,535
Income before extraordinary items	$2,525,000	2,152
Extraordinary gains, net	$0	5
Net income	$2,525,000	2,150
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,525,000	2,151
Net charge-offs	$780,000	528
Cash dividends	$336,000	2,760
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,525,000	2,154
2018-06-30 (YTD Data)		Rank
Total interest income	$6,427,000	2,068
Total interest expense	$925,000	1,892
Net interest income	$5,502,000	2,089
Provision for loan and lease losses	$375,000	1,014
Total noninterest income	$1,009,000	2,006
Gross Fiduciary activities income	$21,000	831
Service charges on deposit accounts	$406,000	1,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$582,000	2,102
Total noninterest expense	$3,895,000	2,297
Salaries and employee benefits	$1,933,000	2,529
Premises and equipment expense	$548,000	1,948
Additional noninterest expense	$1,414,000	2,030
Pre-tax net operating income	$2,241,000	1,926
Securities gains (losses)	$0	961
Applicable income taxes	$473,000	1,458
Income before extraordinary items	$1,768,000	2,067
Extraordinary gains, net	$0	6
Net income	$1,768,000	2,065
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,768,000	2,066
Net charge-offs	$44,000	1,843
Cash dividends	$336,000	2,377
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,768,000	2,056
2018-03-31 (YTD Data)		Rank
Total interest income	$3,141,000	2,099
Total interest expense	$430,000	1,923
Net interest income	$2,711,000	2,109
Provision for loan and lease losses	$187,000	999
Total noninterest income	$537,000	1,897
Gross Fiduciary activities income	$21,000	787
Service charges on deposit accounts	$204,000	1,365
Trading account gains and fees	NA	NA
Additional Noninterest Income	$312,000	1,979
Total noninterest expense	$1,900,000	2,364
Salaries and employee benefits	$941,000	2,604
Premises and equipment expense	$282,000	1,940
Additional noninterest expense	$677,000	2,092
Pre-tax net operating income	$1,161,000	1,830
Securities gains (losses)	$0	735
Applicable income taxes	$243,000	1,390
Income before extraordinary items	$918,000	1,958
Extraordinary gains, net	$0	7
Net income	$918,000	1,957
Minority interest net income	$0	52
Net income of bank and minority interests.	$918,000	1,958
Net charge-offs	$-6,000	4,537
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$918,000	1,946
2017-12-31 (YTD Data)		Rank
Total interest income	$12,077,000	2,125
Total interest expense	$1,289,000	2,150
Net interest income	$10,788,000	2,100
Provision for loan and lease losses	$700,000	1,149
Total noninterest income	$1,991,000	2,030
Gross Fiduciary activities income	$29,000	896
Service charges on deposit accounts	$879,000	1,316
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,083,000	2,197
Total noninterest expense	$7,972,000	2,271
Salaries and employee benefits	$3,897,000	2,513
Premises and equipment expense	$1,163,000	1,885
Additional noninterest expense	$2,912,000	1,987
Pre-tax net operating income	$4,107,000	2,004
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,511,000	1,534
Income before extraordinary items	$2,596,000	2,275
Extraordinary gains, net	$0	9
Net income	$2,596,000	2,275
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,596,000	2,275
Net charge-offs	$926,000	730
Cash dividends	$833,000	2,417
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,596,000	2,248
2017-09-30 (YTD Data)		Rank
Total interest income	$9,011,000	2,132
Total interest expense	$941,000	2,167
Net interest income	$8,070,000	2,109
Provision for loan and lease losses	$300,000	1,614
Total noninterest income	$1,499,000	2,054
Gross Fiduciary activities income	$24,000	880
Service charges on deposit accounts	$649,000	1,344
Trading account gains and fees	NA	NA
Additional Noninterest Income	$826,000	2,206
Total noninterest expense	$5,983,000	2,280
Salaries and employee benefits	$2,962,000	2,504
Premises and equipment expense	$907,000	1,849
Additional noninterest expense	$2,114,000	2,024
Pre-tax net operating income	$3,286,000	1,922
Securities gains (losses)	$0	2,274
Applicable income taxes	$1,025,000	1,447
Income before extraordinary items	$2,261,000	2,190
Extraordinary gains, net	$0	9
Net income	$2,261,000	2,191
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,261,000	2,191
Net charge-offs	$539,000	764
Cash dividends	$329,000	2,802
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,261,000	2,161
2017-06-30 (YTD Data)		Rank
Total interest income	$5,908,000	2,144
Total interest expense	$622,000	2,153
Net interest income	$5,286,000	2,132
Provision for loan and lease losses	$200,000	1,539
Total noninterest income	$971,000	2,091
Gross Fiduciary activities income	$21,000	859
Service charges on deposit accounts	$431,000	1,330
Trading account gains and fees	NA	NA
Additional Noninterest Income	$519,000	2,279
Total noninterest expense	$3,810,000	2,366
Salaries and employee benefits	$1,903,000	2,573
Premises and equipment expense	$524,000	2,042
Additional noninterest expense	$1,383,000	2,057
Pre-tax net operating income	$2,247,000	1,857
Securities gains (losses)	$0	1,906
Applicable income taxes	$693,000	1,413
Income before extraordinary items	$1,554,000	2,092
Extraordinary gains, net	$0	11
Net income	$1,554,000	2,092
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,554,000	2,092
Net charge-offs	$107,000	1,465
Cash dividends	$329,000	2,417
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,554,000	2,058
2017-03-31 (YTD Data)		Rank
Total interest income	$2,937,000	2,151
Total interest expense	$317,000	2,080
Net interest income	$2,620,000	2,144
Provision for loan and lease losses	$100,000	1,432
Total noninterest income	$529,000	1,967
Gross Fiduciary activities income	$20,000	817
Service charges on deposit accounts	$209,000	1,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$300,000	2,101
Total noninterest expense	$1,928,000	2,367
Salaries and employee benefits	$964,000	2,595
Premises and equipment expense	$258,000	2,098
Additional noninterest expense	$706,000	2,033
Pre-tax net operating income	$1,121,000	1,810
Securities gains (losses)	$0	1,153
Applicable income taxes	$347,000	1,375
Income before extraordinary items	$774,000	2,033
Extraordinary gains, net	$0	8
Net income	$774,000	2,034
Minority interest net income	$0	55
Net income of bank and minority interests.	$774,000	2,034
Net charge-offs	$67,000	1,148
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$774,000	2,009
2016-12-31 (YTD Data)		Rank
Total interest income	$11,526,000	2,143
Total interest expense	$1,237,000	2,087
Net interest income	$10,289,000	2,130
Provision for loan and lease losses	$400,000	1,679
Total noninterest income	$1,942,000	2,157
Gross Fiduciary activities income	$30,000	928
Service charges on deposit accounts	$869,000	1,359
Trading account gains and fees	$0	170
Additional Noninterest Income	$1,043,000	2,349
Total noninterest expense	$7,911,000	2,309
Salaries and employee benefits	$3,827,000	2,576
Premises and equipment expense	$1,083,000	2,012
Additional noninterest expense	$3,001,000	1,985
Pre-tax net operating income	$3,920,000	1,966
Securities gains (losses)	$0	3,212
Applicable income taxes	$1,215,000	1,465
Income before extraordinary items	$2,705,000	2,284
Extraordinary gains, net	$0	5
Net income	$2,705,000	2,281
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,705,000	2,283
Net charge-offs	$331,000	1,437
Cash dividends	$1,380,000	1,799
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,705,000	2,229
2016-09-30 (YTD Data)		Rank
Total interest income	$8,677,000	2,141
Total interest expense	$935,000	2,061
Net interest income	$7,742,000	2,125
Provision for loan and lease losses	$160,000	2,288
Total noninterest income	$1,471,000	2,149
Gross Fiduciary activities income	$24,000	910
Service charges on deposit accounts	$651,000	1,359
Trading account gains and fees	$0	169
Additional Noninterest Income	$796,000	2,325
Total noninterest expense	$5,902,000	2,320
Salaries and employee benefits	$2,894,000	2,552
Premises and equipment expense	$823,000	2,001
Additional noninterest expense	$2,185,000	2,028
Pre-tax net operating income	$3,151,000	1,889
Securities gains (losses)	$0	3,160
Applicable income taxes	$946,000	1,466
Income before extraordinary items	$2,205,000	2,184
Extraordinary gains, net	$0	5
Net income	$2,205,000	2,183
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,205,000	2,184
Net charge-offs	$147,000	1,711
Cash dividends	$715,000	2,028
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,205,000	2,117
2016-06-30 (YTD Data)		Rank
Total interest income	$5,873,000	2,113
Total interest expense	$623,000	2,074
Net interest income	$5,250,000	2,095
Provision for loan and lease losses	$0	4,017
Total noninterest income	$945,000	2,177
Gross Fiduciary activities income	$21,000	897
Service charges on deposit accounts	$419,000	1,376
Trading account gains and fees	$0	157
Additional Noninterest Income	$505,000	2,356
Total noninterest expense	$3,797,000	2,403
Salaries and employee benefits	$1,859,000	2,647
Premises and equipment expense	$558,000	1,973
Additional noninterest expense	$1,380,000	2,134
Pre-tax net operating income	$2,398,000	1,693
Securities gains (losses)	$0	2,835
Applicable income taxes	$723,000	1,327
Income before extraordinary items	$1,675,000	1,920
Extraordinary gains, net	$0	16
Net income	$1,675,000	1,919
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,675,000	1,919
Net charge-offs	$154,000	1,300
Cash dividends	$598,000	1,795
Sale, conversion, retirement of capital stock, net	$-392,000	6,014
Net operating income	$1,675,000	1,871
2016-03-31 (YTD Data)		Rank
Total interest income	$3,122,000	2,011
Total interest expense	$317,000	2,054
Net interest income	$2,805,000	1,986
Provision for loan and lease losses	$0	3,656
Total noninterest income	$499,000	2,072
Gross Fiduciary activities income	$20,000	841
Service charges on deposit accounts	$204,000	1,412
Trading account gains and fees	$0	142
Additional Noninterest Income	$275,000	2,199
Total noninterest expense	$1,881,000	2,438
Salaries and employee benefits	$936,000	2,629
Premises and equipment expense	$270,000	2,039
Additional noninterest expense	$675,000	2,154
Pre-tax net operating income	$1,423,000	1,447
Securities gains (losses)	$0	2,077
Applicable income taxes	$431,000	1,178
Income before extraordinary items	$992,000	1,638
Extraordinary gains, net	$0	12
Net income	$992,000	1,639
Minority interest net income	$0	62
Net income of bank and minority interests.	$992,000	1,639
Net charge-offs	$64,000	1,283
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$-392,000	6,091
Net operating income	$992,000	1,598
2015-12-31 (YTD Data)		Rank
Total interest income	$11,023,000	2,182
Total interest expense	$1,238,000	2,065
Net interest income	$9,785,000	2,190
Provision for loan and lease losses	$0	4,380
Total noninterest income	$1,992,000	2,122
Gross Fiduciary activities income	$30,000	947
Service charges on deposit accounts	$864,000	1,394
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,098,000	2,256
Total noninterest expense	$8,125,000	2,265
Salaries and employee benefits	$4,006,000	2,490
Premises and equipment expense	$1,052,000	2,094
Additional noninterest expense	$3,067,000	1,967
Pre-tax net operating income	$3,652,000	2,009
Securities gains (losses)	$0	3,216
Applicable income taxes	$1,116,000	1,496
Income before extraordinary items	$2,536,000	2,314
Extraordinary gains, net	$0	23
Net income	$2,536,000	2,314
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,536,000	2,315
Net charge-offs	$101,000	2,648
Cash dividends	$792,000	2,406
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,536,000	2,274
2015-09-30 (YTD Data)		Rank
Total interest income	$8,054,000	2,242
Total interest expense	$935,000	2,079
Net interest income	$7,119,000	2,269
Provision for loan and lease losses	$0	4,232
Total noninterest income	$1,489,000	2,137
Gross Fiduciary activities income	$23,000	938
Service charges on deposit accounts	$654,000	1,394
Trading account gains and fees	$0	153
Additional Noninterest Income	$812,000	2,296
Total noninterest expense	$5,908,000	2,324
Salaries and employee benefits	$3,027,000	2,483
Premises and equipment expense	$758,000	2,192
Additional noninterest expense	$2,123,000	2,096
Pre-tax net operating income	$2,700,000	2,074
Securities gains (losses)	$0	3,031
Applicable income taxes	$813,000	1,568
Income before extraordinary items	$1,887,000	2,363
Extraordinary gains, net	$0	21
Net income	$1,887,000	2,364
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,887,000	2,364
Net charge-offs	$24,000	3,264
Cash dividends	$324,000	2,728
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,887,000	2,324
2015-06-30 (YTD Data)		Rank
Total interest income	$5,369,000	2,249
Total interest expense	$635,000	2,058
Net interest income	$4,734,000	2,267
Provision for loan and lease losses	$0	4,069
Total noninterest income	$960,000	2,190
Gross Fiduciary activities income	$21,000	922
Service charges on deposit accounts	$427,000	1,388
Trading account gains and fees	$0	157
Additional Noninterest Income	$512,000	2,384
Total noninterest expense	$3,887,000	2,363
Salaries and employee benefits	$1,967,000	2,548
Premises and equipment expense	$498,000	2,231
Additional noninterest expense	$1,422,000	2,094
Pre-tax net operating income	$1,807,000	2,047
Securities gains (losses)	$0	2,636
Applicable income taxes	$539,000	1,552
Income before extraordinary items	$1,268,000	2,333
Extraordinary gains, net	$0	22
Net income	$1,268,000	2,335
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,268,000	2,335
Net charge-offs	$-161,000	6,026
Cash dividends	$324,000	2,353
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,268,000	2,287
2015-03-31 (YTD Data)		Rank
Total interest income	$2,699,000	2,231
Total interest expense	$325,000	2,021
Net interest income	$2,374,000	2,247
Provision for loan and lease losses	$0	3,703
Total noninterest income	$512,000	2,069
Gross Fiduciary activities income	$21,000	868
Service charges on deposit accounts	$210,000	1,382
Trading account gains and fees	$0	152
Additional Noninterest Income	$281,000	2,207
Total noninterest expense	$1,826,000	2,514
Salaries and employee benefits	$894,000	2,741
Premises and equipment expense	$257,000	2,195
Additional noninterest expense	$675,000	2,164
Pre-tax net operating income	$1,060,000	1,765
Securities gains (losses)	$0	2,027
Applicable income taxes	$316,000	1,393
Income before extraordinary items	$744,000	2,033
Extraordinary gains, net	$0	13
Net income	$744,000	2,034
Minority interest net income	$0	64
Net income of bank and minority interests.	$744,000	2,034
Net charge-offs	$-158,000	6,204
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$744,000	1,970
2014-12-31 (YTD Data)		Rank
Total interest income	$11,153,000	2,167
Total interest expense	$1,430,000	1,976
Net interest income	$9,723,000	2,186
Provision for loan and lease losses	$563,000	1,348
Total noninterest income	$2,258,000	1,938
Gross Fiduciary activities income	$27,000	993
Service charges on deposit accounts	$906,000	1,418
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,325,000	1,929
Total noninterest expense	$8,095,000	2,300
Salaries and employee benefits	$4,074,000	2,452
Premises and equipment expense	$974,000	2,288
Additional noninterest expense	$3,047,000	2,014
Pre-tax net operating income	$3,323,000	2,107
Securities gains (losses)	$0	3,259
Applicable income taxes	$955,000	1,595
Income before extraordinary items	$2,368,000	2,400
Extraordinary gains, net	$0	17
Net income	$2,368,000	2,400
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,368,000	2,400
Net charge-offs	$-63,000	6,046
Cash dividends	$772,000	2,356
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,368,000	2,359
2014-09-30 (YTD Data)		Rank
Total interest income	$8,314,000	2,193
Total interest expense	$1,086,000	1,978
Net interest income	$7,228,000	2,220
Provision for loan and lease losses	$562,000	1,044
Total noninterest income	$1,802,000	1,857
Gross Fiduciary activities income	$22,000	972
Service charges on deposit accounts	$687,000	1,415
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,093,000	1,831
Total noninterest expense	$5,966,000	2,336
Salaries and employee benefits	$2,985,000	2,505
Premises and equipment expense	$736,000	2,307
Additional noninterest expense	$2,245,000	2,029
Pre-tax net operating income	$2,502,000	2,140
Securities gains (losses)	$0	2,980
Applicable income taxes	$738,000	1,593
Income before extraordinary items	$1,764,000	2,436
Extraordinary gains, net	$0	15
Net income	$1,764,000	2,437
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,764,000	2,436
Net charge-offs	$195,000	2,021
Cash dividends	$312,000	2,696
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,764,000	2,391
2014-06-30 (YTD Data)		Rank
Total interest income	$5,508,000	2,198
Total interest expense	$730,000	1,977
Net interest income	$4,778,000	2,219
Provision for loan and lease losses	$375,000	1,053
Total noninterest income	$1,281,000	1,744
Gross Fiduciary activities income	$21,000	941
Service charges on deposit accounts	$448,000	1,425
Trading account gains and fees	$0	172
Additional Noninterest Income	$812,000	1,683
Total noninterest expense	$4,002,000	2,329
Salaries and employee benefits	$2,018,000	2,490
Premises and equipment expense	$503,000	2,261
Additional noninterest expense	$1,481,000	2,042
Pre-tax net operating income	$1,682,000	2,079
Securities gains (losses)	$0	2,580
Applicable income taxes	$476,000	1,585
Income before extraordinary items	$1,206,000	2,332
Extraordinary gains, net	$0	20
Net income	$1,206,000	2,336
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,206,000	2,336
Net charge-offs	$175,000	1,714
Cash dividends	$312,000	2,286
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,206,000	2,284
2014-03-31 (YTD Data)		Rank
Total interest income	$2,736,000	2,210
Total interest expense	$370,000	1,997
Net interest income	$2,366,000	2,233
Provision for loan and lease losses	$188,000	1,046
Total noninterest income	$682,000	1,634
Gross Fiduciary activities income	$20,000	893
Service charges on deposit accounts	$214,000	1,460
Trading account gains and fees	$0	147
Additional Noninterest Income	$448,000	1,520
Total noninterest expense	$1,954,000	2,379
Salaries and employee benefits	$941,000	2,659
Premises and equipment expense	$244,000	2,349
Additional noninterest expense	$769,000	1,964
Pre-tax net operating income	$906,000	1,909
Securities gains (losses)	$0	1,715
Applicable income taxes	$264,000	1,461
Income before extraordinary items	$642,000	2,158
Extraordinary gains, net	$0	16
Net income	$642,000	2,160
Minority interest net income	$0	66
Net income of bank and minority interests.	$642,000	2,160
Net charge-offs	$117,000	1,274
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$642,000	2,108
2013-12-31 (YTD Data)		Rank
Total interest income	$11,392,000	2,144
Total interest expense	$1,601,000	2,042
Net interest income	$9,791,000	2,131
Provision for loan and lease losses	$750,000	1,404
Total noninterest income	$1,970,000	2,193
Gross Fiduciary activities income	$27,000	1,011
Service charges on deposit accounts	$1,206,000	1,152
Trading account gains and fees	$0	184
Additional Noninterest Income	$737,000	2,799
Total noninterest expense	$7,663,000	2,439
Salaries and employee benefits	$3,945,000	2,504
Premises and equipment expense	$976,000	2,294
Additional noninterest expense	$2,742,000	2,269
Pre-tax net operating income	$3,348,000	1,981
Securities gains (losses)	$0	3,182
Applicable income taxes	$920,000	1,546
Income before extraordinary items	$2,428,000	2,250
Extraordinary gains, net	$0	29
Net income	$2,428,000	2,253
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,428,000	2,253
Net charge-offs	$1,000	5,415
Cash dividends	$758,000	2,263
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,428,000	2,201
2013-09-30 (YTD Data)		Rank
Total interest income	$8,599,000	2,145
Total interest expense	$1,094,000	2,272
Net interest income	$7,505,000	2,096
Provision for loan and lease losses	$750,000	1,115
Total noninterest income	$1,475,000	2,237
Gross Fiduciary activities income	$26,000	968
Service charges on deposit accounts	$929,000	1,124
Trading account gains and fees	$0	180
Additional Noninterest Income	$520,000	2,954
Total noninterest expense	$5,503,000	2,526
Salaries and employee benefits	$2,791,000	2,654
Premises and equipment expense	$757,000	2,259
Additional noninterest expense	$1,955,000	2,351
Pre-tax net operating income	$2,727,000	1,904
Securities gains (losses)	$0	3,040
Applicable income taxes	$820,000	1,427
Income before extraordinary items	$1,907,000	2,215
Extraordinary gains, net	$0	25
Net income	$1,907,000	2,221
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,907,000	2,221
Net charge-offs	$-162,000	6,688
Cash dividends	$304,000	2,585
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,907,000	2,148
2013-06-30 (YTD Data)		Rank
Total interest income	$5,769,000	2,137
Total interest expense	$756,000	2,254
Net interest income	$5,013,000	2,088
Provision for loan and lease losses	$500,000	1,162
Total noninterest income	$990,000	2,238
Gross Fiduciary activities income	$20,000	966
Service charges on deposit accounts	$616,000	1,095
Trading account gains and fees	$0	157
Additional Noninterest Income	$354,000	2,970
Total noninterest expense	$3,709,000	2,498
Salaries and employee benefits	$1,914,000	2,596
Premises and equipment expense	$507,000	2,257
Additional noninterest expense	$1,288,000	2,372
Pre-tax net operating income	$1,794,000	1,895
Securities gains (losses)	$0	2,791
Applicable income taxes	$546,000	1,422
Income before extraordinary items	$1,248,000	2,230
Extraordinary gains, net	$0	22
Net income	$1,248,000	2,239
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,248,000	2,237
Net charge-offs	$-215,000	6,815
Cash dividends	$305,000	2,161
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,248,000	2,145
2013-03-31 (YTD Data)		Rank
Total interest income	$2,919,000	2,132
Total interest expense	$395,000	2,224
Net interest income	$2,524,000	2,085
Provision for loan and lease losses	$250,000	1,141
Total noninterest income	$491,000	2,254
Gross Fiduciary activities income	$19,000	913
Service charges on deposit accounts	$304,000	1,098
Trading account gains and fees	$0	148
Additional Noninterest Income	$168,000	3,019
Total noninterest expense	$1,767,000	2,651
Salaries and employee benefits	$862,000	2,875
Premises and equipment expense	$256,000	2,269
Additional noninterest expense	$649,000	2,374
Pre-tax net operating income	$998,000	1,705
Securities gains (losses)	$0	1,966
Applicable income taxes	$308,000	1,296
Income before extraordinary items	$690,000	2,016
Extraordinary gains, net	$0	10
Net income	$690,000	2,017
Minority interest net income	$0	76
Net income of bank and minority interests.	$690,000	2,018
Net charge-offs	$8,000	3,541
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$690,000	1,937
2012-12-31 (YTD Data)		Rank
Total interest income	$9,404,000	2,716
Total interest expense	$1,307,000	3,012
Net interest income	$8,097,000	2,641
Provision for loan and lease losses	$750,000	2,165
Total noninterest income	$1,254,000	2,884
Gross Fiduciary activities income	$27,000	1,039
Service charges on deposit accounts	$857,000	1,603
Trading account gains and fees	$0	166
Additional Noninterest Income	$370,000	3,733
Total noninterest expense	$5,914,000	3,083
Salaries and employee benefits	$2,976,000	3,142
Premises and equipment expense	$820,000	2,684
Additional noninterest expense	$2,118,000	2,961
Pre-tax net operating income	$2,687,000	2,288
Securities gains (losses)	$0	3,810
Applicable income taxes	$729,000	1,796
Income before extraordinary items	$1,958,000	2,618
Extraordinary gains, net	$0	29
Net income	$1,958,000	2,621
Minority interest net income	$0	93
Net income of bank and minority interests.	$1,958,000	2,619
Net charge-offs	$639,000	2,329
Cash dividends	$681,000	2,419
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$1,958,000	2,504
2012-09-30 (YTD Data)		Rank
Total interest income	$7,069,000	2,772
Total interest expense	$990,000	3,101
Net interest income	$6,079,000	2,687
Provision for loan and lease losses	$563,000	2,132
Total noninterest income	$1,016,000	2,771
Gross Fiduciary activities income	$23,000	1,008
Service charges on deposit accounts	$624,000	1,659
Trading account gains and fees	$0	157
Additional Noninterest Income	$369,000	3,381
Total noninterest expense	$4,150,000	3,246
Salaries and employee benefits	$2,118,000	3,287
Premises and equipment expense	$523,000	3,063
Additional noninterest expense	$1,509,000	3,098
Pre-tax net operating income	$2,382,000	2,060
Securities gains (losses)	$0	3,575
Applicable income taxes	$700,000	1,586
Income before extraordinary items	$1,682,000	2,452
Extraordinary gains, net	$0	20
Net income	$1,682,000	2,453
Minority interest net income	$0	86
Net income of bank and minority interests.	$1,682,000	2,453
Net charge-offs	$502,000	2,184
Cash dividends	$235,000	2,785
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$1,682,000	2,311
2012-06-30 (YTD Data)		Rank
Total interest income	$4,788,000	2,753
Total interest expense	$669,000	3,156
Net interest income	$4,119,000	2,639
Provision for loan and lease losses	$375,000	2,150
Total noninterest income	$628,000	2,855
Gross Fiduciary activities income	$20,000	986
Service charges on deposit accounts	$399,000	1,703
Trading account gains and fees	$0	153
Additional Noninterest Income	$209,000	3,614
Total noninterest expense	$2,747,000	3,288
Salaries and employee benefits	$1,434,000	3,262
Premises and equipment expense	$362,000	2,987
Additional noninterest expense	$951,000	3,256
Pre-tax net operating income	$1,625,000	2,007
Securities gains (losses)	$0	3,178
Applicable income taxes	$490,000	1,510
Income before extraordinary items	$1,135,000	2,377
Extraordinary gains, net	$0	19
Net income	$1,135,000	2,377
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,135,000	2,377
Net charge-offs	$112,000	3,307
Cash dividends	$297,000	2,191
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,135,000	2,235
2012-03-31 (YTD Data)		Rank
Total interest income	$2,380,000	2,805
Total interest expense	$346,000	3,178
Net interest income	$2,034,000	2,688
Provision for loan and lease losses	$188,000	2,094
Total noninterest income	$325,000	2,818
Gross Fiduciary activities income	$20,000	918
Service charges on deposit accounts	$192,000	1,763
Trading account gains and fees	$0	148
Additional Noninterest Income	$113,000	3,516
Total noninterest expense	$1,308,000	3,413
Salaries and employee benefits	$668,000	3,467
Premises and equipment expense	$182,000	3,006
Additional noninterest expense	$458,000	3,311
Pre-tax net operating income	$863,000	1,908
Securities gains (losses)	$0	2,210
Applicable income taxes	$244,000	1,512
Income before extraordinary items	$619,000	2,197
Extraordinary gains, net	$0	19
Net income	$619,000	2,199
Minority interest net income	$0	78
Net income of bank and minority interests.	$619,000	2,200
Net charge-offs	$11,000	3,996
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$619,000	2,097
2011-12-31 (YTD Data)		Rank
Total interest income	$9,639,000	2,842
Total interest expense	$1,539,000	3,383
Net interest income	$8,100,000	2,700
Provision for loan and lease losses	$750,000	2,824
Total noninterest income	$1,339,000	2,615
Gross Fiduciary activities income	$16,000	1,057
Service charges on deposit accounts	$909,000	1,603
Trading account gains and fees	$0	146
Additional Noninterest Income	$414,000	3,384
Total noninterest expense	$5,639,000	3,209
Salaries and employee benefits	$2,944,000	3,166
Premises and equipment expense	$762,000	3,018
Additional noninterest expense	$1,933,000	3,229
Pre-tax net operating income	$3,050,000	1,808
Securities gains (losses)	$8,000	3,400
Applicable income taxes	$846,000	1,511
Income before extraordinary items	$2,212,000	2,084
Extraordinary gains, net	$0	29
Net income	$2,212,000	2,085
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,212,000	2,085
Net charge-offs	$622,000	2,910
Cash dividends	$728,000	1,994
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,206,240	2,002
2011-09-30 (YTD Data)		Rank
Total interest income	$7,239,000	2,877
Total interest expense	$1,179,000	3,445
Net interest income	$6,060,000	2,715
Provision for loan and lease losses	$563,000	2,704
Total noninterest income	$1,009,000	2,607
Gross Fiduciary activities income	$10,000	1,039
Service charges on deposit accounts	$676,000	1,622
Trading account gains and fees	$0	145
Additional Noninterest Income	$323,000	3,366
Total noninterest expense	$4,181,000	3,247
Salaries and employee benefits	$2,210,000	3,173
Premises and equipment expense	$527,000	3,235
Additional noninterest expense	$1,444,000	3,250
Pre-tax net operating income	$2,325,000	1,851
Securities gains (losses)	$8,000	3,118
Applicable income taxes	$726,000	1,384
Income before extraordinary items	$1,607,000	2,194
Extraordinary gains, net	$0	21
Net income	$1,607,000	2,194
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,607,000	2,195
Net charge-offs	$228,000	3,567
Cash dividends	$290,000	2,385
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,601,480	2,112
2011-06-30 (YTD Data)		Rank
Total interest income	$4,821,000	2,896
Total interest expense	$810,000	3,481
Net interest income	$4,011,000	2,730
Provision for loan and lease losses	$375,000	2,669
Total noninterest income	$647,000	2,674
Gross Fiduciary activities income	$10,000	1,015
Service charges on deposit accounts	$444,000	1,624
Trading account gains and fees	$0	153
Additional Noninterest Income	$193,000	3,540
Total noninterest expense	$2,908,000	3,180
Salaries and employee benefits	$1,586,000	2,996
Premises and equipment expense	$352,000	3,241
Additional noninterest expense	$970,000	3,277
Pre-tax net operating income	$1,375,000	2,017
Securities gains (losses)	$8,000	2,429
Applicable income taxes	$450,000	1,419
Income before extraordinary items	$933,000	2,400
Extraordinary gains, net	$0	15
Net income	$933,000	2,400
Minority interest net income	$0	89
Net income of bank and minority interests.	$933,000	2,400
Net charge-offs	$106,000	3,784
Cash dividends	$290,000	1,979
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$927,640	2,328
2011-03-31 (YTD Data)		Rank
Total interest income	$2,397,000	2,933
Total interest expense	$428,000	3,447
Net interest income	$1,969,000	2,772
Provision for loan and lease losses	$188,000	2,521
Total noninterest income	$328,000	2,678
Gross Fiduciary activities income	$9,000	956
Service charges on deposit accounts	$213,000	1,652
Trading account gains and fees	$0	158
Additional Noninterest Income	$106,000	3,467
Total noninterest expense	$1,489,000	3,118
Salaries and employee benefits	$813,000	2,955
Premises and equipment expense	$174,000	3,314
Additional noninterest expense	$502,000	3,171
Pre-tax net operating income	$620,000	2,165
Securities gains (losses)	$8,000	1,369
Applicable income taxes	$128,000	1,930
Income before extraordinary items	$500,000	2,257
Extraordinary gains, net	$0	9
Net income	$500,000	2,256
Minority interest net income	$0	86
Net income of bank and minority interests.	$500,000	2,257
Net charge-offs	$-2,000	6,441
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$493,600	2,229
2010-12-31 (YTD Data)		Rank
Total interest income	$10,175,000	2,914
Total interest expense	$2,293,000	3,206
Net interest income	$7,882,000	2,763
Provision for loan and lease losses	$975,000	3,094
Total noninterest income	$1,087,000	3,091
Gross Fiduciary activities income	$14,000	1,110
Service charges on deposit accounts	$904,000	1,640
Trading account gains and fees	$0	175
Additional Noninterest Income	$169,000	4,821
Total noninterest expense	$5,327,000	3,420
Salaries and employee benefits	$2,601,000	3,483
Premises and equipment expense	$734,000	3,170
Additional noninterest expense	$1,992,000	3,267
Pre-tax net operating income	$2,667,000	1,801
Securities gains (losses)	$2,000	3,620
Applicable income taxes	$707,000	1,550
Income before extraordinary items	$1,962,000	2,056
Extraordinary gains, net	$0	29
Net income	$1,962,000	2,057
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,962,000	2,058
Net charge-offs	$1,155,000	2,492
Cash dividends	$713,000	1,908
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,960,520	1,981
2010-09-30 (YTD Data)		Rank
Total interest income	$7,686,000	2,959
Total interest expense	$1,812,000	3,196
Net interest income	$5,874,000	2,810
Provision for loan and lease losses	$825,000	2,797
Total noninterest income	$855,000	3,019
Gross Fiduciary activities income	$11,000	1,082
Service charges on deposit accounts	$676,000	1,685
Trading account gains and fees	$0	165
Additional Noninterest Income	$168,000	4,477
Total noninterest expense	$3,932,000	3,473
Salaries and employee benefits	$1,925,000	3,546
Premises and equipment expense	$542,000	3,257
Additional noninterest expense	$1,465,000	3,295
Pre-tax net operating income	$1,972,000	1,913
Securities gains (losses)	$2,000	3,465
Applicable income taxes	$570,000	1,531
Income before extraordinary items	$1,404,000	2,266
Extraordinary gains, net	$0	23
Net income	$1,404,000	2,266
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,404,000	2,268
Net charge-offs	$1,039,000	2,148
Cash dividends	$282,000	2,409
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,402,580	2,166
2010-06-30 (YTD Data)		Rank
Total interest income	$5,196,000	2,955
Total interest expense	$1,278,000	3,153
Net interest income	$3,918,000	2,801
Provision for loan and lease losses	$450,000	2,998
Total noninterest income	$532,000	3,101
Gross Fiduciary activities income	$10,000	1,056
Service charges on deposit accounts	$440,000	1,730
Trading account gains and fees	$0	152
Additional Noninterest Income	$82,000	4,946
Total noninterest expense	$2,687,000	3,396
Salaries and employee benefits	$1,303,000	3,527
Premises and equipment expense	$351,000	3,368
Additional noninterest expense	$1,033,000	3,108
Pre-tax net operating income	$1,313,000	1,908
Securities gains (losses)	$2,000	2,979
Applicable income taxes	$398,000	1,453
Income before extraordinary items	$917,000	2,273
Extraordinary gains, net	$0	19
Net income	$917,000	2,270
Minority interest net income	$0	105
Net income of bank and minority interests.	$917,000	2,273
Net charge-offs	$631,000	2,181
Cash dividends	$282,000	1,966
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$915,600	2,200
2010-03-31 (YTD Data)		Rank
Total interest income	$2,647,000	2,952
Total interest expense	$671,000	3,158
Net interest income	$1,976,000	2,811
Provision for loan and lease losses	$225,000	2,809
Total noninterest income	$280,000	3,008
Gross Fiduciary activities income	$9,000	991
Service charges on deposit accounts	$207,000	1,829
Trading account gains and fees	$0	175
Additional Noninterest Income	$64,000	4,285
Total noninterest expense	$1,430,000	3,264
Salaries and employee benefits	$662,000	3,531
Premises and equipment expense	$181,000	3,375
Additional noninterest expense	$587,000	2,754
Pre-tax net operating income	$601,000	2,096
Securities gains (losses)	$1,000	2,151
Applicable income taxes	$109,000	2,041
Income before extraordinary items	$493,000	2,170
Extraordinary gains, net	$0	16
Net income	$493,000	2,169
Minority interest net income	$0	91
Net income of bank and minority interests.	$493,000	2,170
Net charge-offs	$536,000	1,526
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$492,180	2,083
2009-12-31 (YTD Data)		Rank
Total interest income	$10,508,000	3,110
Total interest expense	$3,336,000	3,163
Net interest income	$7,172,000	3,005
Provision for loan and lease losses	$750,000	3,934
Total noninterest income	$1,262,000	2,880
Gross Fiduciary activities income	$13,000	1,147
Service charges on deposit accounts	$1,008,000	1,675
Trading account gains and fees	$0	211
Additional Noninterest Income	$241,000	4,333
Total noninterest expense	$5,312,000	3,499
Salaries and employee benefits	$2,675,000	3,509
Premises and equipment expense	$766,000	3,245
Additional noninterest expense	$1,871,000	3,499
Pre-tax net operating income	$2,372,000	1,650
Securities gains (losses)	$0	3,754
Applicable income taxes	$687,000	1,259
Income before extraordinary items	$1,685,000	1,928
Extraordinary gains, net	$0	34
Net income	$1,685,000	1,925
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,685,000	1,927
Net charge-offs	$498,000	3,796
Cash dividends	$778,000	1,975
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,685,000	1,892
2009-09-30 (YTD Data)		Rank
Total interest income	$7,856,000	3,164
Total interest expense	$2,596,000	3,205
Net interest income	$5,260,000	3,053
Provision for loan and lease losses	$563,000	3,621
Total noninterest income	$933,000	2,954
Gross Fiduciary activities income	$9,000	1,132
Service charges on deposit accounts	$750,000	1,687
Trading account gains and fees	$0	212
Additional Noninterest Income	$174,000	4,513
Total noninterest expense	$3,919,000	3,545
Salaries and employee benefits	$1,957,000	3,607
Premises and equipment expense	$566,000	3,326
Additional noninterest expense	$1,396,000	3,456
Pre-tax net operating income	$1,711,000	1,841
Securities gains (losses)	$0	3,497
Applicable income taxes	$486,000	1,432
Income before extraordinary items	$1,225,000	2,144
Extraordinary gains, net	$0	27
Net income	$1,225,000	2,141
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,225,000	2,144
Net charge-offs	$444,000	3,199
Cash dividends	$353,000	2,432
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,225,000	2,095
2009-06-30 (YTD Data)		Rank
Total interest income	$5,277,000	3,164
Total interest expense	$1,763,000	3,286
Net interest income	$3,514,000	3,033
Provision for loan and lease losses	$375,000	3,368
Total noninterest income	$618,000	2,986
Gross Fiduciary activities income	$8,000	1,104
Service charges on deposit accounts	$472,000	1,753
Trading account gains and fees	$0	193
Additional Noninterest Income	$138,000	4,266
Total noninterest expense	$2,629,000	3,573
Salaries and employee benefits	$1,290,000	3,680
Premises and equipment expense	$395,000	3,212
Additional noninterest expense	$944,000	3,424
Pre-tax net operating income	$1,128,000	1,923
Securities gains (losses)	$0	3,136
Applicable income taxes	$326,000	1,451
Income before extraordinary items	$802,000	2,226
Extraordinary gains, net	$0	21
Net income	$802,000	2,224
Minority interest net income	$0	112
Net income of bank and minority interests.	$802,000	2,225
Net charge-offs	$256,000	3,128
Cash dividends	$353,000	2,023
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$802,000	2,168
2009-03-31 (YTD Data)		Rank
Total interest income	$2,611,000	3,219
Total interest expense	$915,000	3,291
Net interest income	$1,696,000	3,124
Provision for loan and lease losses	$188,000	2,946
Total noninterest income	$293,000	3,068
Gross Fiduciary activities income	$8,000	1,010
Service charges on deposit accounts	$214,000	1,856
Trading account gains and fees	$0	171
Additional Noninterest Income	$71,000	4,212
Total noninterest expense	$1,279,000	3,578
Salaries and employee benefits	$651,000	3,687
Premises and equipment expense	$198,000	3,247
Additional noninterest expense	$430,000	3,379
Pre-tax net operating income	$522,000	2,293
Securities gains (losses)	$0	2,434
Applicable income taxes	$138,000	1,847
Income before extraordinary items	$384,000	2,648
Extraordinary gains, net	$0	15
Net income	$384,000	2,647
Minority interest net income	$0	102
Net income of bank and minority interests.	$384,000	2,649
Net charge-offs	$164,000	2,328
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$384,000	2,501
2008-12-31 (YTD Data)		Rank
Total interest income	$11,625,000	3,126
Total interest expense	$4,820,000	3,058
Net interest income	$6,805,000	3,138
Provision for loan and lease losses	$1,610,000	2,065
Total noninterest income	$1,437,000	2,714
Gross Fiduciary activities income	$13,000	1,184
Service charges on deposit accounts	$1,044,000	1,698
Trading account gains and fees	$0	154
Additional Noninterest Income	$380,000	3,667
Total noninterest expense	$4,641,000	3,786
Salaries and employee benefits	$2,247,000	4,092
Premises and equipment expense	$785,000	3,223
Additional noninterest expense	$1,609,000	3,444
Pre-tax net operating income	$1,991,000	2,456
Securities gains (losses)	$30,000	1,931
Applicable income taxes	$503,000	1,852
Income before extraordinary items	$1,518,000	2,496
Extraordinary gains, net	$0	39
Net income	$1,518,000	2,495
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,434,000	1,601
Cash dividends	$1,311,000	1,919
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,495,500	2,668
2008-09-30 (YTD Data)		Rank
Total interest income	$8,847,000	3,153
Total interest expense	$3,711,000	3,091
Net interest income	$5,136,000	3,134
Provision for loan and lease losses	$1,085,000	1,741
Total noninterest income	$1,083,000	2,752
Gross Fiduciary activities income	$9,000	1,170
Service charges on deposit accounts	$783,000	1,707
Trading account gains and fees	$0	148
Additional Noninterest Income	$291,000	3,737
Total noninterest expense	$3,418,000	3,831
Salaries and employee benefits	$1,675,000	4,134
Premises and equipment expense	$557,000	3,391
Additional noninterest expense	$1,186,000	3,420
Pre-tax net operating income	$1,716,000	2,565
Securities gains (losses)	$30,000	1,749
Applicable income taxes	$530,000	1,828
Income before extraordinary items	$1,216,000	2,737
Extraordinary gains, net	$0	31
Net income	$1,216,000	2,733
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,014,000	1,291
Cash dividends	$817,000	2,074
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,195,000	2,911
2008-06-30 (YTD Data)		Rank
Total interest income	$6,047,000	3,127
Total interest expense	$2,606,000	3,070
Net interest income	$3,441,000	3,108
Provision for loan and lease losses	$500,000	1,907
Total noninterest income	$718,000	2,793
Gross Fiduciary activities income	$8,000	1,154
Service charges on deposit accounts	$515,000	1,715
Trading account gains and fees	$0	149
Additional Noninterest Income	$195,000	3,822
Total noninterest expense	$2,335,000	3,775
Salaries and employee benefits	$1,122,000	4,146
Premises and equipment expense	$401,000	3,210
Additional noninterest expense	$812,000	3,323
Pre-tax net operating income	$1,324,000	2,432
Securities gains (losses)	$32,000	1,744
Applicable income taxes	$425,000	1,802
Income before extraordinary items	$931,000	2,732
Extraordinary gains, net	$0	21
Net income	$931,000	2,731
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$603,000	1,167
Cash dividends	$817,000	1,662
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$908,920	2,730
2008-03-31 (YTD Data)		Rank
Total interest income	$3,174,000	3,065
Total interest expense	$1,432,000	3,010
Net interest income	$1,742,000	3,088
Provision for loan and lease losses	$125,000	2,397
Total noninterest income	$285,000	3,238
Gross Fiduciary activities income	$6,000	1,090
Service charges on deposit accounts	$246,000	1,749
Trading account gains and fees	$0	158
Additional Noninterest Income	$33,000	5,761
Total noninterest expense	$1,223,000	3,638
Salaries and employee benefits	$604,000	3,961
Premises and equipment expense	$185,000	3,427
Additional noninterest expense	$434,000	3,068
Pre-tax net operating income	$679,000	2,470
Securities gains (losses)	$26,000	1,452
Applicable income taxes	$193,000	2,022
Income before extraordinary items	$512,000	2,632
Extraordinary gains, net	$0	15
Net income	$512,000	2,634
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$190,000	1,307
Cash dividends	$486,000	1,408
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$493,020	2,653
2007-12-31 (YTD Data)		Rank
Total interest income	$13,137,000	3,040
Total interest expense	$5,911,000	3,035
Net interest income	$7,226,000	3,013
Provision for loan and lease losses	$848,000	1,614
Total noninterest income	$1,189,000	3,155
Gross Fiduciary activities income	$11,000	1,249
Service charges on deposit accounts	$973,000	1,809
Trading account gains and fees	$0	178
Additional Noninterest Income	$205,000	5,009
Total noninterest expense	$4,900,000	3,485
Salaries and employee benefits	$2,496,000	3,720
Premises and equipment expense	$723,000	3,358
Additional noninterest expense	$1,681,000	3,115
Pre-tax net operating income	$2,667,000	2,685
Securities gains (losses)	$2,000	1,832
Applicable income taxes	$731,000	2,246
Income before extraordinary items	$1,938,000	2,889
Extraordinary gains, net	$0	39
Net income	$1,938,000	2,888
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$872,000	1,140
Cash dividends	$790,000	2,999
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,936,540	2,882
2007-09-30 (YTD Data)		Rank
Total interest income	$9,722,000	3,063
Total interest expense	$4,385,000	3,068
Net interest income	$5,337,000	3,056
Provision for loan and lease losses	$627,000	1,311
Total noninterest income	$850,000	3,262
Gross Fiduciary activities income	$8,000	1,213
Service charges on deposit accounts	$730,000	1,788
Trading account gains and fees	$0	184
Additional Noninterest Income	$112,000	5,610
Total noninterest expense	$3,623,000	3,523
Salaries and employee benefits	$1,897,000	3,675
Premises and equipment expense	$541,000	3,348
Additional noninterest expense	$1,185,000	3,224
Pre-tax net operating income	$1,937,000	2,908
Securities gains (losses)	$2,000	1,394
Applicable income taxes	$588,000	2,324
Income before extraordinary items	$1,351,000	3,200
Extraordinary gains, net	$0	33
Net income	$1,351,000	3,199
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$718,000	826
Cash dividends	$264,000	3,804
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,349,600	3,185
2007-06-30 (YTD Data)		Rank
Total interest income	$6,385,000	3,113
Total interest expense	$2,887,000	3,098
Net interest income	$3,498,000	3,118
Provision for loan and lease losses	$446,000	1,141
Total noninterest income	$543,000	3,378
Gross Fiduciary activities income	$6,000	1,205
Service charges on deposit accounts	$484,000	1,798
Trading account gains and fees	$0	168
Additional Noninterest Income	$53,000	6,185
Total noninterest expense	$2,476,000	3,468
Salaries and employee benefits	$1,271,000	3,705
Premises and equipment expense	$352,000	3,426
Additional noninterest expense	$853,000	3,025
Pre-tax net operating income	$1,119,000	3,270
Securities gains (losses)	$1,000	1,305
Applicable income taxes	$408,000	2,353
Income before extraordinary items	$712,000	3,783
Extraordinary gains, net	$0	29
Net income	$712,000	3,783
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$517,000	701
Cash dividends	$264,000	3,304
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$711,360	3,769
2007-03-31 (YTD Data)		Rank
Total interest income	$3,157,000	3,134
Total interest expense	$1,413,000	3,145
Net interest income	$1,744,000	3,135
Provision for loan and lease losses	$181,000	1,260
Total noninterest income	$268,000	3,365
Gross Fiduciary activities income	$5,000	1,109
Service charges on deposit accounts	$237,000	1,792
Trading account gains and fees	$0	195
Additional Noninterest Income	$26,000	6,219
Total noninterest expense	$1,201,000	3,571
Salaries and employee benefits	$648,000	3,675
Premises and equipment expense	$185,000	3,320
Additional noninterest expense	$368,000	3,389
Pre-tax net operating income	$630,000	3,015
Securities gains (losses)	$1,000	1,055
Applicable income taxes	$281,000	1,938
Income before extraordinary items	$350,000	3,823
Extraordinary gains, net	$0	22
Net income	$350,000	3,824
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$325,000	547
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$349,360	3,812
2006-12-31 (YTD Data)		Rank
Total interest income	$11,861,000	3,128
Total interest expense	$4,676,000	3,199
Net interest income	$7,185,000	3,035
Provision for loan and lease losses	$562,000	1,719
Total noninterest income	$1,114,000	3,298
Gross Fiduciary activities income	$11,000	1,257
Service charges on deposit accounts	$945,000	1,836
Trading account gains and fees	$0	130
Additional Noninterest Income	$158,000	5,525
Total noninterest expense	$4,359,000	3,719
Salaries and employee benefits	$2,441,000	3,673
Premises and equipment expense	$578,000	3,872
Additional noninterest expense	$1,340,000	3,610
Pre-tax net operating income	$3,378,000	2,559
Securities gains (losses)	$42,000	720
Applicable income taxes	$1,027,000	2,156
Income before extraordinary items	$2,393,000	2,701
Extraordinary gains, net	$0	51
Net income	$2,393,000	2,703
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$310,000	1,630
Cash dividends	$964,000	2,641
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,363,600	2,722
2006-09-30 (YTD Data)		Rank
Total interest income	$8,670,000	3,174
Total interest expense	$3,313,000	3,244
Net interest income	$5,357,000	3,081
Provision for loan and lease losses	$412,000	1,654
Total noninterest income	$763,000	3,499
Gross Fiduciary activities income	$7,000	1,251
Service charges on deposit accounts	$691,000	1,878
Trading account gains and fees	$0	126
Additional Noninterest Income	$65,000	6,548
Total noninterest expense	$3,237,000	3,749
Salaries and employee benefits	$1,821,000	3,683
Premises and equipment expense	$444,000	3,815
Additional noninterest expense	$972,000	3,685
Pre-tax net operating income	$2,471,000	2,676
Securities gains (losses)	$42,000	594
Applicable income taxes	$779,000	2,241
Income before extraordinary items	$1,734,000	2,876
Extraordinary gains, net	$0	45
Net income	$1,734,000	2,877
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	2,301
Cash dividends	$255,000	3,870
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,705,020	2,908
2006-06-30 (YTD Data)		Rank
Total interest income	$5,610,000	3,213
Total interest expense	$2,104,000	3,245
Net interest income	$3,506,000	3,128
Provision for loan and lease losses	$275,000	1,625
Total noninterest income	$539,000	3,348
Gross Fiduciary activities income	$6,000	1,233
Service charges on deposit accounts	$438,000	1,942
Trading account gains and fees	$0	126
Additional Noninterest Income	$95,000	5,241
Total noninterest expense	$2,181,000	3,725
Salaries and employee benefits	$1,205,000	3,734
Premises and equipment expense	$269,000	4,089
Additional noninterest expense	$707,000	3,440
Pre-tax net operating income	$1,589,000	2,764
Securities gains (losses)	$2,000	970
Applicable income taxes	$509,000	2,278
Income before extraordinary items	$1,082,000	3,025
Extraordinary gains, net	$0	39
Net income	$1,082,000	3,027
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	2,446
Cash dividends	$255,000	3,344
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,080,640	3,024
2006-03-31 (YTD Data)		Rank
Total interest income	$2,733,000	3,219
Total interest expense	$992,000	3,275
Net interest income	$1,741,000	3,148
Provision for loan and lease losses	$138,000	1,573
Total noninterest income	$264,000	3,353
Gross Fiduciary activities income	$5,000	1,164
Service charges on deposit accounts	$207,000	1,988
Trading account gains and fees	$0	115
Additional Noninterest Income	$52,000	5,040
Total noninterest expense	$1,089,000	3,757
Salaries and employee benefits	$600,000	3,768
Premises and equipment expense	$141,000	3,962
Additional noninterest expense	$348,000	3,469
Pre-tax net operating income	$778,000	2,765
Securities gains (losses)	$1,000	856
Applicable income taxes	$250,000	2,275
Income before extraordinary items	$529,000	3,028
Extraordinary gains, net	$0	21
Net income	$529,000	3,027
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,616
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$528,320	3,011
2005-12-31 (YTD Data)		Rank
Total interest income	$10,099,000	3,132
Total interest expense	$3,724,000	2,803
Net interest income	$6,375,000	3,264
Provision for loan and lease losses	$519,000	1,840
Total noninterest income	$1,153,000	3,223
Gross Fiduciary activities income	$9,000	1,311
Service charges on deposit accounts	$849,000	2,007
Trading account gains and fees	$0	138
Additional Noninterest Income	$295,000	4,373
Total noninterest expense	$3,951,000	3,897
Salaries and employee benefits	$2,143,000	3,922
Premises and equipment expense	$548,000	3,911
Additional noninterest expense	$1,260,000	3,714
Pre-tax net operating income	$3,058,000	2,710
Securities gains (losses)	$-2,000	7,064
Applicable income taxes	$870,000	2,473
Income before extraordinary items	$2,186,000	2,866
Extraordinary gains, net	$0	46
Net income	$2,186,000	2,867
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$502,000	1,167
Cash dividends	$645,000	3,232
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,187,440	2,831
2005-09-30 (YTD Data)		Rank
Total interest income	$7,384,000	3,147
Total interest expense	$2,670,000	2,782
Net interest income	$4,714,000	3,297
Provision for loan and lease losses	$394,000	1,747
Total noninterest income	$835,000	3,315
Gross Fiduciary activities income	$5,000	1,304
Service charges on deposit accounts	$613,000	2,071
Trading account gains and fees	$0	126
Additional Noninterest Income	$217,000	4,423
Total noninterest expense	$2,992,000	3,844
Salaries and employee benefits	$1,628,000	3,863
Premises and equipment expense	$417,000	3,856
Additional noninterest expense	$947,000	3,660
Pre-tax net operating income	$2,163,000	2,881
Securities gains (losses)	$12,000	1,416
Applicable income taxes	$703,000	2,387
Income before extraordinary items	$1,472,000	3,174
Extraordinary gains, net	$0	35
Net income	$1,472,000	3,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$213,000	1,611
Cash dividends	$248,000	3,810
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,463,840	3,152
2005-06-30 (YTD Data)		Rank
Total interest income	$4,830,000	3,134
Total interest expense	$1,726,000	2,715
Net interest income	$3,104,000	3,316
Provision for loan and lease losses	$263,000	1,711
Total noninterest income	$533,000	3,374
Gross Fiduciary activities income	$5,000	1,265
Service charges on deposit accounts	$367,000	2,224
Trading account gains and fees	$0	116
Additional Noninterest Income	$161,000	4,163
Total noninterest expense	$2,074,000	3,704
Salaries and employee benefits	$1,099,000	3,809
Premises and equipment expense	$273,000	3,893
Additional noninterest expense	$702,000	3,356
Pre-tax net operating income	$1,300,000	3,068
Securities gains (losses)	$9,000	1,390
Applicable income taxes	$407,000	2,584
Income before extraordinary items	$902,000	3,353
Extraordinary gains, net	$0	30
Net income	$902,000	3,355
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$156,000	1,437
Cash dividends	$248,000	3,259
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$895,790	3,317
2005-03-31 (YTD Data)		Rank
Total interest income	$2,327,000	3,195
Total interest expense	$830,000	2,703
Net interest income	$1,497,000	3,419
Provision for loan and lease losses	$131,000	1,628
Total noninterest income	$231,000	3,650
Gross Fiduciary activities income	$4,000	1,192
Service charges on deposit accounts	$169,000	2,318
Trading account gains and fees	$0	115
Additional Noninterest Income	$58,000	4,849
Total noninterest expense	$1,092,000	3,585
Salaries and employee benefits	$565,000	3,742
Premises and equipment expense	$128,000	4,125
Additional noninterest expense	$399,000	3,017
Pre-tax net operating income	$505,000	3,650
Securities gains (losses)	$6,000	1,143
Applicable income taxes	$157,000	3,029
Income before extraordinary items	$354,000	3,931
Extraordinary gains, net	$0	24
Net income	$354,000	3,933
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$73,000	1,376
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$349,860	3,921
2004-12-31 (YTD Data)		Rank
Total interest income	$8,703,000	3,188
Total interest expense	$2,589,000	2,964
Net interest income	$6,114,000	3,249
Provision for loan and lease losses	$525,000	1,881
Total noninterest income	$944,000	3,685
Gross Fiduciary activities income	$10,000	1,316
Service charges on deposit accounts	$719,000	2,323
Trading account gains and fees	$0	138
Additional Noninterest Income	$215,000	4,961
Total noninterest expense	$3,899,000	3,843
Salaries and employee benefits	$2,127,000	3,791
Premises and equipment expense	$592,000	3,568
Additional noninterest expense	$1,180,000	3,800
Pre-tax net operating income	$2,634,000	2,863
Securities gains (losses)	$44,000	1,837
Applicable income taxes	$788,000	2,559
Income before extraordinary items	$1,890,000	3,069
Extraordinary gains, net	$0	34
Net income	$1,890,000	3,069
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$426,000	1,523
Cash dividends	$600,000	3,196
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,858,760	3,041
2004-09-30 (YTD Data)		Rank
Total interest income	$6,376,000	3,235
Total interest expense	$1,800,000	3,103
Net interest income	$4,576,000	3,239
Provision for loan and lease losses	$419,000	1,711
Total noninterest income	$698,000	3,740
Gross Fiduciary activities income	$6,000	1,324
Service charges on deposit accounts	$540,000	2,340
Trading account gains and fees	$0	134
Additional Noninterest Income	$152,000	5,098
Total noninterest expense	$2,837,000	3,881
Salaries and employee benefits	$1,584,000	3,793
Premises and equipment expense	$419,000	3,752
Additional noninterest expense	$834,000	3,957
Pre-tax net operating income	$2,018,000	2,861
Securities gains (losses)	$40,000	1,826
Applicable income taxes	$651,000	2,430
Income before extraordinary items	$1,407,000	3,131
Extraordinary gains, net	$0	26
Net income	$1,407,000	3,132
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$194,000	1,942
Cash dividends	$240,000	3,737
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,379,800	3,108
2004-06-30 (YTD Data)		Rank
Total interest income	$4,153,000	3,292
Total interest expense	$1,153,000	3,183
Net interest income	$3,000,000	3,273
Provision for loan and lease losses	$263,000	1,761
Total noninterest income	$452,000	3,799
Gross Fiduciary activities income	$5,000	1,290
Service charges on deposit accounts	$347,000	2,417
Trading account gains and fees	$0	130
Additional Noninterest Income	$100,000	5,155
Total noninterest expense	$1,912,000	3,875
Salaries and employee benefits	$1,057,000	3,813
Premises and equipment expense	$289,000	3,663
Additional noninterest expense	$566,000	3,919
Pre-tax net operating income	$1,277,000	2,964
Securities gains (losses)	$23,000	1,953
Applicable income taxes	$411,000	2,512
Income before extraordinary items	$889,000	3,259
Extraordinary gains, net	$0	21
Net income	$889,000	3,259
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$120,000	1,927
Cash dividends	$240,000	3,198
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$873,360	3,207
2004-03-31 (YTD Data)		Rank
Total interest income	$2,071,000	3,297
Total interest expense	$578,000	3,212
Net interest income	$1,493,000	3,270
Provision for loan and lease losses	$106,000	2,009
Total noninterest income	$222,000	3,798
Gross Fiduciary activities income	$5,000	1,183
Service charges on deposit accounts	$166,000	2,458
Trading account gains and fees	$0	121
Additional Noninterest Income	$51,000	5,085
Total noninterest expense	$965,000	3,865
Salaries and employee benefits	$525,000	3,847
Premises and equipment expense	$145,000	3,675
Additional noninterest expense	$295,000	3,787
Pre-tax net operating income	$644,000	2,896
Securities gains (losses)	$21,000	1,679
Applicable income taxes	$194,000	2,626
Income before extraordinary items	$471,000	3,079
Extraordinary gains, net	$0	16
Net income	$471,000	3,079
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	1,306
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$456,090	3,043
2003-12-31 (YTD Data)		Rank
Total interest income	$8,382,000	3,309
Total interest expense	$2,739,000	3,110
Net interest income	$5,643,000	3,351
Provision for loan and lease losses	$425,000	2,459
Total noninterest income	$838,000	4,121
Gross Fiduciary activities income	$12,000	1,325
Service charges on deposit accounts	$604,000	2,675
Trading account gains and fees	$0	160
Additional Noninterest Income	$222,000	5,073
Total noninterest expense	$3,463,000	4,155
Salaries and employee benefits	$1,953,000	4,003
Premises and equipment expense	$484,000	4,175
Additional noninterest expense	$1,026,000	4,190
Pre-tax net operating income	$2,593,000	2,808
Securities gains (losses)	$20,000	3,211
Applicable income taxes	$835,000	2,462
Income before extraordinary items	$1,778,000	3,135
Extraordinary gains, net	$0	54
Net income	$1,778,000	3,135
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$285,000	2,323
Cash dividends	$938,000	2,447
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,764,400	3,003
2003-09-30 (YTD Data)		Rank
Total interest income	$6,284,000	3,348
Total interest expense	$2,117,000	3,127
Net interest income	$4,167,000	3,403
Provision for loan and lease losses	$319,000	2,394
Total noninterest income	$637,000	4,138
Gross Fiduciary activities income	$8,000	1,319
Service charges on deposit accounts	$454,000	2,687
Trading account gains and fees	$0	153
Additional Noninterest Income	$175,000	5,035
Total noninterest expense	$2,649,000	4,062
Salaries and employee benefits	$1,483,000	3,954
Premises and equipment expense	$305,000	4,655
Additional noninterest expense	$861,000	3,850
Pre-tax net operating income	$1,836,000	3,030
Securities gains (losses)	$16,000	3,083
Applicable income taxes	$572,000	2,772
Income before extraordinary items	$1,280,000	3,326
Extraordinary gains, net	$0	40
Net income	$1,280,000	3,325
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$249,000	1,936
Cash dividends	$233,000	3,842
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,268,960	3,187
2003-06-30 (YTD Data)		Rank
Total interest income	$4,205,000	3,361
Total interest expense	$1,441,000	3,172
Net interest income	$2,764,000	3,413
Provision for loan and lease losses	$213,000	2,395
Total noninterest income	$418,000	4,149
Gross Fiduciary activities income	$7,000	1,277
Service charges on deposit accounts	$293,000	2,703
Trading account gains and fees	$0	150
Additional Noninterest Income	$118,000	5,021
Total noninterest expense	$1,817,000	3,966
Salaries and employee benefits	$1,017,000	3,857
Premises and equipment expense	$208,000	4,589
Additional noninterest expense	$592,000	3,742
Pre-tax net operating income	$1,152,000	3,185
Securities gains (losses)	$13,000	2,823
Applicable income taxes	$332,000	3,053
Income before extraordinary items	$833,000	3,403
Extraordinary gains, net	$0	30
Net income	$833,000	3,403
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$167,000	1,850
Cash dividends	$233,000	3,267
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$823,640	3,248
2003-03-31 (YTD Data)		Rank
Total interest income	$2,141,000	3,336
Total interest expense	$733,000	3,189
Net interest income	$1,408,000	3,347
Provision for loan and lease losses	$71,000	3,047
Total noninterest income	$212,000	4,023
Gross Fiduciary activities income	$7,000	1,175
Service charges on deposit accounts	$141,000	2,710
Trading account gains and fees	$0	134
Additional Noninterest Income	$64,000	4,791
Total noninterest expense	$843,000	4,207
Salaries and employee benefits	$466,000	4,113
Premises and equipment expense	$81,000	5,408
Additional noninterest expense	$296,000	3,686
Pre-tax net operating income	$706,000	2,719
Securities gains (losses)	$7,000	2,278
Applicable income taxes	$211,000	2,596
Income before extraordinary items	$502,000	2,936
Extraordinary gains, net	$0	21
Net income	$502,000	2,934
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$113,000	1,381
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$497,100	2,814
2002-12-31 (YTD Data)		Rank
Total interest income	$9,045,000	3,286
Total interest expense	$3,488,000	3,108
Net interest income	$5,557,000	3,345
Provision for loan and lease losses	$335,000	3,217
Total noninterest income	$749,000	4,157
Gross Fiduciary activities income	$14,000	1,348
Service charges on deposit accounts	$555,000	2,720
Trading account gains and fees	$0	153
Additional Noninterest Income	$180,000	5,232
Total noninterest expense	$3,440,000	4,028
Salaries and employee benefits	$1,805,000	4,081
Premises and equipment expense	$506,000	3,907
Additional noninterest expense	$1,129,000	3,783
Pre-tax net operating income	$2,531,000	2,860
Securities gains (losses)	$0	4,537
Applicable income taxes	$773,000	2,654
Income before extraordinary items	$1,758,000	3,094
Extraordinary gains, net	$0	70
Net income	$1,758,000	3,093
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$115,000	3,941
Cash dividends	$825,000	2,597
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,758,000	2,998
2001-12-31 (YTD Data)		Rank
Total interest income	$10,109,000	3,276
Total interest expense	$5,100,000	3,102
Net interest income	$5,009,000	3,420
Provision for loan and lease losses	$590,000	1,932
Total noninterest income	$828,000	3,760
Gross Fiduciary activities income	$14,000	1,366
Service charges on deposit accounts	$606,000	2,416
Trading account gains and fees	$0	177
Additional Noninterest Income	$208,000	4,847
Total noninterest expense	$3,288,000	4,031
Salaries and employee benefits	$1,855,000	3,820
Premises and equipment expense	$393,000	4,650
Additional noninterest expense	$1,040,000	3,929
Pre-tax net operating income	$1,959,000	3,217
Securities gains (losses)	$8,000	3,714
Applicable income taxes	$543,000	3,175
Income before extraordinary items	$1,424,000	3,351
Extraordinary gains, net	$0	105
Net income	$1,424,000	3,354
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$528,000	1,506
Cash dividends	$555,000	3,284
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,418,240	3,267
2000-12-31 (YTD Data)		Rank
Total interest income	$9,904,000	3,424
Total interest expense	$4,986,000	3,324
Net interest income	$4,918,000	3,526
Provision for loan and lease losses	$470,000	1,999
Total noninterest income	$809,000	3,633
Gross Fiduciary activities income	$14,000	1,182
Service charges on deposit accounts	$608,000	2,262
Trading account gains and fees	$0	180
Additional Noninterest Income	$187,000	4,940
Total noninterest expense	$3,289,000	3,921
Salaries and employee benefits	$1,839,000	3,704
Premises and equipment expense	$403,000	4,487
Additional noninterest expense	$1,047,000	3,850
Pre-tax net operating income	$1,968,000	3,369
Securities gains (losses)	$-38,000	9,069
Applicable income taxes	$509,000	3,455
Income before extraordinary items	$1,421,000	3,393
Extraordinary gains, net	$0	38
Net income	$1,421,000	3,391
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$334,000	1,689
Cash dividends	$1,123,000	2,097
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,449,120	3,335
1999-12-31 (YTD Data)		Rank
Total interest income	$9,049,000	3,523
Total interest expense	$4,393,000	3,313
Net interest income	$4,656,000	3,677
Provision for loan and lease losses	$255,000	3,010
Total noninterest income	$735,000	3,844
Gross Fiduciary activities income	$24,000	1,190
Service charges on deposit accounts	$588,000	2,275
Trading account gains and fees	$0	173
Additional Noninterest Income	$123,000	6,110
Total noninterest expense	$3,012,000	4,194
Salaries and employee benefits	$1,720,000	3,882
Premises and equipment expense	$345,000	5,015
Additional noninterest expense	$947,000	4,192
Pre-tax net operating income	$2,124,000	3,185
Securities gains (losses)	$0	3,155
Applicable income taxes	$587,000	3,270
Income before extraordinary items	$1,537,000	3,179
Extraordinary gains, net	$0	35
Net income	$1,537,000	3,180
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$193,000	2,454
Cash dividends	$718,000	2,864
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,537,000	3,142
1998-12-31 (YTD Data)		Rank
Total interest income	$8,828,000	3,594
Total interest expense	$4,398,000	3,378
Net interest income	$4,430,000	3,777
Provision for loan and lease losses	$175,000	3,848
Total noninterest income	$684,000	4,050
Gross Fiduciary activities income	$20,000	1,217
Service charges on deposit accounts	$510,000	2,517
Trading account gains and fees	$0	224
Additional Noninterest Income	$154,000	5,613
Total noninterest expense	$2,792,000	4,386
Salaries and employee benefits	$1,520,000	4,197
Premises and equipment expense	$399,000	4,422
Additional noninterest expense	$873,000	4,392
Pre-tax net operating income	$2,147,000	3,146
Securities gains (losses)	$6,000	3,324
Applicable income taxes	$608,000	3,371
Income before extraordinary items	$1,545,000	3,186
Extraordinary gains, net	$0	32
Net income	$1,545,000	3,186
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,135
Cash dividends	$1,205,000	1,935
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,540,680	3,098
1997-12-31 (YTD Data)		Rank
Total interest income	$8,356,000	3,819
Total interest expense	$3,980,000	3,692
Net interest income	$4,376,000	3,903
Provision for loan and lease losses	$228,000	3,172
Total noninterest income	$526,000	4,829
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$407,000	3,176
Trading account gains and fees	NA	NA
Additional Noninterest Income	$119,000	6,301
Total noninterest expense	$2,606,000	4,623
Salaries and employee benefits	$1,389,000	4,537
Premises and equipment expense	$375,000	4,665
Additional noninterest expense	$842,000	4,549
Pre-tax net operating income	$2,068,000	3,421
Securities gains (losses)	$3,000	3,097
Applicable income taxes	$544,000	3,964
Income before extraordinary items	$1,527,000	3,312
Extraordinary gains, net	$0	44
Net income	$1,527,000	3,312
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$197,000	2,575
Cash dividends	$864,000	2,443
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,524,780	3,237
1996-12-31 (YTD Data)		Rank
Total interest income	$7,884,000	4,098
Total interest expense	$3,838,000	3,861
Net interest income	$4,046,000	4,275
Provision for loan and lease losses	$400,000	2,077
Total noninterest income	$500,000	5,151
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$389,000	3,417
Trading account gains and fees	NA	NA
Additional Noninterest Income	$111,000	6,836
Total noninterest expense	$2,352,000	5,259
Salaries and employee benefits	$1,276,000	4,922
Premises and equipment expense	$334,000	5,180
Additional noninterest expense	$742,000	5,501
Pre-tax net operating income	$1,794,000	3,740
Securities gains (losses)	$6,000	2,865
Applicable income taxes	$469,000	4,369
Income before extraordinary items	$1,331,000	3,560
Extraordinary gains, net	$0	53
Net income	$1,331,000	3,560
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$122,000	3,549
Cash dividends	$992,000	2,188
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,326,560	3,512
1995-12-31 (YTD Data)		Rank
Total interest income	$7,472,000	4,285
Total interest expense	$3,689,000	3,965
Net interest income	$3,783,000	4,532
Provision for loan and lease losses	$117,000	4,277
Total noninterest income	$442,000	5,612
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$345,000	3,820
Trading account gains and fees	NA	NA
Additional Noninterest Income	$97,000	7,327
Total noninterest expense	$2,269,000	5,419
Salaries and employee benefits	$1,180,000	5,285
Premises and equipment expense	$328,000	5,271
Additional noninterest expense	$761,000	5,459
Pre-tax net operating income	$1,839,000	3,772
Securities gains (losses)	$16,000	2,046
Applicable income taxes	$460,000	4,459
Income before extraordinary items	$1,395,000	3,480
Extraordinary gains, net	$0	65
Net income	$1,395,000	3,478
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	3,622
Cash dividends	$612,000	2,880
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,383,000	3,481
1994-12-31 (YTD Data)		Rank
Total interest income	$6,071,000	4,810
Total interest expense	$3,136,000	3,797
Net interest income	$2,935,000	5,695
Provision for loan and lease losses	$21,000	7,711
Total noninterest income	$392,000	6,222
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$308,000	4,273
Trading account gains and fees	NA	NA
Additional Noninterest Income	$84,000	8,071
Total noninterest expense	$2,190,000	5,769
Salaries and employee benefits	$1,118,000	5,576
Premises and equipment expense	$369,000	4,900
Additional noninterest expense	$703,000	6,294
Pre-tax net operating income	$1,116,000	5,512
Securities gains (losses)	$15,000	1,966
Applicable income taxes	$230,000	6,840
Income before extraordinary items	$901,000	4,909
Extraordinary gains, net	$67,000	142
Net income	$968,000	4,639
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	8,198
Cash dividends	$320,000	4,289
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$889,000	5,018
1993-12-31 (YTD Data)		Rank
Total interest income	$5,766,000	5,141
Total interest expense	$2,848,000	4,300
Net interest income	$2,918,000	5,774
Provision for loan and lease losses	$66,000	6,760
Total noninterest income	$374,000	6,756
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$303,000	4,381
Trading account gains and fees	NA	NA
Additional Noninterest Income	$71,000	9,036
Total noninterest expense	$2,173,000	5,920
Salaries and employee benefits	$1,111,000	5,590
Premises and equipment expense	$331,000	5,447
Additional noninterest expense	$731,000	6,357
Pre-tax net operating income	$1,053,000	5,674
Securities gains (losses)	$38,000	3,799
Applicable income taxes	$241,000	6,941
Income before extraordinary items	$850,000	5,311
Extraordinary gains, net	$28,000	2,522
Net income	$878,000	5,334
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	5,461
Cash dividends	$304,000	4,337
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$820,360	5,227
1992-12-31 (YTD Data)		Rank
Total interest income	$6,043,000	5,455
Total interest expense	$3,153,000	4,947
Net interest income	$2,890,000	5,893
Provision for loan and lease losses	$206,000	5,132
Total noninterest income	$371,000	6,823
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$292,000	4,546
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	8,899
Total noninterest expense	$2,136,000	6,069
Salaries and employee benefits	$1,062,000	5,732
Premises and equipment expense	$355,000	5,314
Additional noninterest expense	$719,000	6,637
Pre-tax net operating income	$919,000	5,998
Securities gains (losses)	$18,000	5,726
Applicable income taxes	$185,000	7,849
Income before extraordinary items	$752,000	5,619
Extraordinary gains, net	$0	1,422
Net income	$752,000	5,680
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$155,000	4,797
Cash dividends	$296,000	4,113
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$737,600	5,362

* 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.