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The First National Bank of Lawrence County at Walnut Ridge, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$10,770,000	2,728
Total interest expense	$2,877,000	2,666
Net interest income	$7,893,000	2,710
Provision for loan and lease losses	$100,000	2,434
Total noninterest income	$1,729,000	2,169
Gross Fiduciary activities income	$116,000	709
Service charges on deposit accounts	$690,000	1,334
Trading account gains and fees	NA	NA
Additional Noninterest Income	$923,000	2,366
Total noninterest expense	$7,011,000	2,556
Salaries and employee benefits	$3,531,000	2,704
Premises and equipment expense	$1,372,000	1,644
Additional noninterest expense	$923,000	2,366
Pre-tax net operating income	$2,511,000	2,700
Securities gains (losses)	$0	988
Applicable income taxes	$0	3,369
Income before extraordinary items	$2,511,000	2,527
Extraordinary gains, net	$0	54
Net income	$2,511,000	2,552
Minority interest net income	$0	88
Net income of bank and minority interests.	$2,511,000	2,529
Net charge-offs	$1,000	2,818
Cash dividends	$1,400,000	1,852
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$2,511,000	2,551
2023-09-30 (YTD Data)		Rank
Total interest income	$7,845,000	2,749
Total interest expense	$1,871,000	2,725
Net interest income	$5,974,000	2,720
Provision for loan and lease losses	$100,000	2,122
Total noninterest income	$1,270,000	2,178
Gross Fiduciary activities income	$87,000	709
Service charges on deposit accounts	$526,000	1,315
Trading account gains and fees	NA	NA
Additional Noninterest Income	$657,000	2,400
Total noninterest expense	$5,359,000	2,513
Salaries and employee benefits	$2,763,000	2,644
Premises and equipment expense	$1,016,000	1,658
Additional noninterest expense	$657,000	2,399
Pre-tax net operating income	$1,785,000	2,833
Securities gains (losses)	$0	849
Applicable income taxes	$0	3,407
Income before extraordinary items	$1,785,000	2,646
Extraordinary gains, net	$0	52
Net income	$1,785,000	2,675
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,785,000	2,647
Net charge-offs	$0	2,641
Cash dividends	$1,200,000	1,539
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$1,785,000	2,665
2023-06-30 (YTD Data)		Rank
Total interest income	$5,135,000	2,740
Total interest expense	$1,101,000	2,717
Net interest income	$4,034,000	2,727
Provision for loan and lease losses	$91,000	1,864
Total noninterest income	$857,000	2,125
Gross Fiduciary activities income	$57,000	711
Service charges on deposit accounts	$347,000	1,314
Trading account gains and fees	NA	NA
Additional Noninterest Income	$453,000	2,306
Total noninterest expense	$3,590,000	2,488
Salaries and employee benefits	$1,841,000	2,641
Premises and equipment expense	$665,000	1,672
Additional noninterest expense	$453,000	2,302
Pre-tax net operating income	$1,210,000	2,832
Securities gains (losses)	$0	938
Applicable income taxes	$0	3,436
Income before extraordinary items	$1,210,000	2,643
Extraordinary gains, net	$0	51
Net income	$1,210,000	2,673
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,210,000	2,643
Net charge-offs	$37,000	1,290
Cash dividends	$800,000	1,561
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$1,210,000	2,656
2023-03-31 (YTD Data)		Rank
Total interest income	$2,454,000	2,794
Total interest expense	$465,000	2,711
Net interest income	$1,989,000	2,749
Provision for loan and lease losses	$38,000	1,844
Total noninterest income	$431,000	2,118
Gross Fiduciary activities income	$37,000	717
Service charges on deposit accounts	$175,000	1,316
Trading account gains and fees	NA	NA
Additional Noninterest Income	$219,000	2,337
Total noninterest expense	$1,801,000	2,512
Salaries and employee benefits	$912,000	2,685
Premises and equipment expense	$330,000	1,724
Additional noninterest expense	$219,000	2,337
Pre-tax net operating income	$581,000	2,937
Securities gains (losses)	$0	950
Applicable income taxes	$0	3,388
Income before extraordinary items	$581,000	2,732
Extraordinary gains, net	$0	4
Net income	$581,000	2,732
Minority interest net income	$0	48
Net income of bank and minority interests.	$581,000	2,732
Net charge-offs	$22,000	1,082
Cash dividends	$400,000	1,392
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$581,000	2,759
2022-12-31 (YTD Data)		Rank
Total interest income	$8,062,000	2,850
Total interest expense	$554,000	3,136
Net interest income	$7,508,000	2,782
Provision for loan and lease losses	$173,000	1,896
Total noninterest income	$1,853,000	2,119
Gross Fiduciary activities income	$117,000	747
Service charges on deposit accounts	$777,000	1,239
Trading account gains and fees	NA	NA
Additional Noninterest Income	$959,000	2,371
Total noninterest expense	$6,804,000	2,553
Salaries and employee benefits	$3,445,000	2,729
Premises and equipment expense	$1,314,000	1,690
Additional noninterest expense	$959,000	2,371
Pre-tax net operating income	$2,384,000	2,923
Securities gains (losses)	$0	691
Applicable income taxes	$0	3,596
Income before extraordinary items	$2,384,000	2,740
Extraordinary gains, net	$0	5
Net income	$2,384,000	2,737
Minority interest net income	$0	63
Net income of bank and minority interests.	$2,384,000	2,739
Net charge-offs	$231,000	869
Cash dividends	$1,405,000	1,818
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$2,384,000	2,765
2022-09-30 (YTD Data)		Rank
Total interest income	$5,802,000	2,855
Total interest expense	$344,000	3,127
Net interest income	$5,458,000	2,799
Provision for loan and lease losses	$55,000	2,202
Total noninterest income	$1,355,000	2,174
Gross Fiduciary activities income	$86,000	738
Service charges on deposit accounts	$596,000	1,222
Trading account gains and fees	NA	NA
Additional Noninterest Income	$673,000	2,473
Total noninterest expense	$5,098,000	2,551
Salaries and employee benefits	$2,660,000	2,682
Premises and equipment expense	$984,000	1,708
Additional noninterest expense	$673,000	2,473
Pre-tax net operating income	$1,660,000	2,994
Securities gains (losses)	$0	740
Applicable income taxes	$0	3,603
Income before extraordinary items	$1,660,000	2,810
Extraordinary gains, net	$0	4
Net income	$1,660,000	2,807
Minority interest net income	$0	57
Net income of bank and minority interests.	$1,660,000	2,809
Net charge-offs	$98,000	941
Cash dividends	$1,005,000	1,656
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$1,660,000	2,842
2022-06-30 (YTD Data)		Rank
Total interest income	$3,724,000	2,871
Total interest expense	$217,000	3,109
Net interest income	$3,507,000	2,823
Provision for loan and lease losses	$46,000	1,955
Total noninterest income	$916,000	2,161
Gross Fiduciary activities income	$70,000	692
Service charges on deposit accounts	$403,000	1,193
Trading account gains and fees	NA	NA
Additional Noninterest Income	$443,000	2,515
Total noninterest expense	$3,342,000	2,565
Salaries and employee benefits	$1,762,000	2,696
Premises and equipment expense	$641,000	1,748
Additional noninterest expense	$939,000	2,719
Pre-tax net operating income	$1,035,000	2,969
Securities gains (losses)	$0	687
Applicable income taxes	$0	3,564
Income before extraordinary items	$1,035,000	2,791
Extraordinary gains, net	$0	4
Net income	$1,035,000	2,789
Minority interest net income	$0	60
Net income of bank and minority interests.	$1,035,000	2,791
Net charge-offs	$91,000	763
Cash dividends	$775,000	1,537
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$1,035,000	2,818
2022-03-31 (YTD Data)		Rank
Total interest income	$1,799,000	2,880
Total interest expense	$102,000	3,157
Net interest income	$1,697,000	2,843
Provision for loan and lease losses	$0	2,285
Total noninterest income	$457,000	2,154
Gross Fiduciary activities income	$42,000	683
Service charges on deposit accounts	$211,000	1,148
Trading account gains and fees	NA	NA
Additional Noninterest Income	$204,000	2,548
Total noninterest expense	$1,674,000	2,569
Salaries and employee benefits	$870,000	2,703
Premises and equipment expense	$318,000	1,766
Additional noninterest expense	$486,000	2,640
Pre-tax net operating income	$480,000	2,957
Securities gains (losses)	$0	623
Applicable income taxes	$0	3,450
Income before extraordinary items	$480,000	2,789
Extraordinary gains, net	$0	4
Net income	$480,000	2,787
Minority interest net income	$0	50
Net income of bank and minority interests.	$480,000	2,789
Net charge-offs	$-4,000	3,570
Cash dividends	$300,000	1,485
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$480,000	2,819
2021-12-31 (YTD Data)		Rank
Total interest income	$7,971,000	2,820
Total interest expense	$534,000	3,076
Net interest income	$7,437,000	2,765
Provision for loan and lease losses	$30,000	2,737
Total noninterest income	$1,881,000	2,302
Gross Fiduciary activities income	$141,000	695
Service charges on deposit accounts	$681,000	1,276
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,059,000	2,572
Total noninterest expense	$6,488,000	2,605
Salaries and employee benefits	$3,315,000	2,797
Premises and equipment expense	$1,252,000	1,769
Additional noninterest expense	$1,921,000	2,666
Pre-tax net operating income	$2,800,000	2,765
Securities gains (losses)	$34,000	1,292
Applicable income taxes	$0	3,710
Income before extraordinary items	$2,834,000	2,615
Extraordinary gains, net	$0	10
Net income	$2,834,000	2,616
Minority interest net income	$0	74
Net income of bank and minority interests.	$2,834,000	2,616
Net charge-offs	$109,000	1,306
Cash dividends	$1,485,000	1,823
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$2,800,000	2,612
2021-09-30 (YTD Data)		Rank
Total interest income	$6,124,000	2,834
Total interest expense	$426,000	3,078
Net interest income	$5,698,000	2,773
Provision for loan and lease losses	$30,000	2,561
Total noninterest income	$1,246,000	2,460
Gross Fiduciary activities income	$132,000	673
Service charges on deposit accounts	$442,000	1,416
Trading account gains and fees	NA	NA
Additional Noninterest Income	$672,000	2,758
Total noninterest expense	$4,917,000	2,602
Salaries and employee benefits	$2,544,000	2,771
Premises and equipment expense	$929,000	1,811
Additional noninterest expense	$1,444,000	2,667
Pre-tax net operating income	$1,997,000	2,936
Securities gains (losses)	$32,000	1,234
Applicable income taxes	$0	3,719
Income before extraordinary items	$2,029,000	2,788
Extraordinary gains, net	$0	8
Net income	$2,029,000	2,787
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,029,000	2,788
Net charge-offs	$100,000	1,078
Cash dividends	$1,010,000	1,719
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$1,997,000	2,776
2021-06-30 (YTD Data)		Rank
Total interest income	$3,901,000	2,922
Total interest expense	$303,000	3,062
Net interest income	$3,598,000	2,861
Provision for loan and lease losses	$90,000	1,757
Total noninterest income	$760,000	2,536
Gross Fiduciary activities income	$95,000	674
Service charges on deposit accounts	$210,000	1,739
Trading account gains and fees	NA	NA
Additional Noninterest Income	$455,000	2,724
Total noninterest expense	$3,261,000	2,603
Salaries and employee benefits	$1,688,000	2,767
Premises and equipment expense	$631,000	1,780
Additional noninterest expense	$942,000	2,693
Pre-tax net operating income	$1,007,000	3,249
Securities gains (losses)	$0	1,818
Applicable income taxes	$0	3,702
Income before extraordinary items	$1,007,000	3,120
Extraordinary gains, net	$0	6
Net income	$1,007,000	3,118
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,007,000	3,120
Net charge-offs	$85,000	973
Cash dividends	$535,000	1,890
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,007,000	3,094
2021-03-31 (YTD Data)		Rank
Total interest income	$1,903,000	2,946
Total interest expense	$163,000	3,049
Net interest income	$1,740,000	2,882
Provision for loan and lease losses	$55,000	1,694
Total noninterest income	$379,000	2,544
Gross Fiduciary activities income	$73,000	636
Service charges on deposit accounts	$103,000	1,750
Trading account gains and fees	NA	NA
Additional Noninterest Income	$203,000	2,819
Total noninterest expense	$1,628,000	2,593
Salaries and employee benefits	$825,000	2,803
Premises and equipment expense	$314,000	1,783
Additional noninterest expense	$489,000	2,577
Pre-tax net operating income	$436,000	3,390
Securities gains (losses)	$0	1,392
Applicable income taxes	$0	3,613
Income before extraordinary items	$436,000	3,274
Extraordinary gains, net	$0	3
Net income	$436,000	3,275
Minority interest net income	$0	55
Net income of bank and minority interests.	$436,000	3,274
Net charge-offs	$94,000	644
Cash dividends	$475,000	1,246
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$436,000	3,243
2020-12-31 (YTD Data)		Rank
Total interest income	$8,655,000	2,747
Total interest expense	$1,138,000	2,741
Net interest income	$7,517,000	2,707
Provision for loan and lease losses	$106,000	3,492
Total noninterest income	$1,766,000	2,257
Gross Fiduciary activities income	$320,000	627
Service charges on deposit accounts	$456,000	1,713
Trading account gains and fees	NA	NA
Additional Noninterest Income	$990,000	2,488
Total noninterest expense	$6,491,000	2,576
Salaries and employee benefits	$3,384,000	2,744
Premises and equipment expense	$1,299,000	1,694
Additional noninterest expense	$1,808,000	2,704
Pre-tax net operating income	$2,686,000	2,572
Securities gains (losses)	$98,000	1,401
Applicable income taxes	$0	3,697
Income before extraordinary items	$2,784,000	2,402
Extraordinary gains, net	$0	4
Net income	$2,784,000	2,402
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,784,000	2,402
Net charge-offs	$34,000	2,595
Cash dividends	$1,900,000	1,581
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$2,686,000	2,392
2020-09-30 (YTD Data)		Rank
Total interest income	$6,487,000	2,763
Total interest expense	$936,000	2,702
Net interest income	$5,551,000	2,736
Provision for loan and lease losses	$76,000	3,482
Total noninterest income	$1,147,000	2,371
Gross Fiduciary activities income	$254,000	615
Service charges on deposit accounts	$338,000	1,733
Trading account gains and fees	NA	NA
Additional Noninterest Income	$555,000	2,741
Total noninterest expense	$4,963,000	2,527
Salaries and employee benefits	$2,609,000	2,679
Premises and equipment expense	$970,000	1,705
Additional noninterest expense	$1,384,000	2,652
Pre-tax net operating income	$1,659,000	2,829
Securities gains (losses)	$71,000	1,368
Applicable income taxes	$0	3,696
Income before extraordinary items	$1,730,000	2,641
Extraordinary gains, net	$0	4
Net income	$1,730,000	2,640
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,730,000	2,641
Net charge-offs	$4,000	2,970
Cash dividends	$1,425,000	1,392
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$1,659,000	2,646
2020-06-30 (YTD Data)		Rank
Total interest income	$4,428,000	2,753
Total interest expense	$675,000	2,701
Net interest income	$3,753,000	2,734
Provision for loan and lease losses	$66,000	3,265
Total noninterest income	$740,000	2,361
Gross Fiduciary activities income	$157,000	627
Service charges on deposit accounts	$232,000	1,720
Trading account gains and fees	NA	NA
Additional Noninterest Income	$351,000	2,749
Total noninterest expense	$3,259,000	2,545
Salaries and employee benefits	$1,747,000	2,689
Premises and equipment expense	$609,000	1,771
Additional noninterest expense	$903,000	2,685
Pre-tax net operating income	$1,168,000	2,732
Securities gains (losses)	$18,000	1,714
Applicable income taxes	$0	3,655
Income before extraordinary items	$1,186,000	2,571
Extraordinary gains, net	$0	4
Net income	$1,186,000	2,569
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,186,000	2,571
Net charge-offs	$7,000	2,562
Cash dividends	$950,000	1,383
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,168,000	2,553
2020-03-31 (YTD Data)		Rank
Total interest income	$2,302,000	2,694
Total interest expense	$373,000	2,702
Net interest income	$1,929,000	2,658
Provision for loan and lease losses	$21,000	3,083
Total noninterest income	$356,000	2,313
Gross Fiduciary activities income	$54,000	671
Service charges on deposit accounts	$142,000	1,696
Trading account gains and fees	NA	NA
Additional Noninterest Income	$160,000	2,707
Total noninterest expense	$1,661,000	2,552
Salaries and employee benefits	$892,000	2,672
Premises and equipment expense	$296,000	1,824
Additional noninterest expense	$473,000	2,638
Pre-tax net operating income	$603,000	2,548
Securities gains (losses)	$18,000	1,156
Applicable income taxes	$0	3,513
Income before extraordinary items	$621,000	2,351
Extraordinary gains, net	$0	4
Net income	$621,000	2,350
Minority interest net income	$0	56
Net income of bank and minority interests.	$621,000	2,351
Net charge-offs	$15,000	1,715
Cash dividends	$475,000	1,332
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$603,000	2,368
2019-12-31 (YTD Data)		Rank
Total interest income	$9,386,000	2,676
Total interest expense	$1,629,000	2,646
Net interest income	$7,757,000	2,677
Provision for loan and lease losses	$126,000	2,735
Total noninterest income	$1,368,000	2,407
Gross Fiduciary activities income	$117,000	727
Service charges on deposit accounts	$556,000	1,777
Trading account gains and fees	NA	NA
Additional Noninterest Income	$695,000	2,664
Total noninterest expense	$6,360,000	2,593
Salaries and employee benefits	$3,451,000	2,691
Premises and equipment expense	$1,233,000	1,762
Additional noninterest expense	$1,676,000	2,876
Pre-tax net operating income	$2,639,000	2,658
Securities gains (losses)	$36,000	1,373
Applicable income taxes	$0	3,859
Income before extraordinary items	$2,675,000	2,478
Extraordinary gains, net	$0	11
Net income	$2,675,000	2,479
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,675,000	2,480
Net charge-offs	$120,000	2,081
Cash dividends	$1,605,000	1,799
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$2,639,000	2,464
2019-09-30 (YTD Data)		Rank
Total interest income	$7,029,000	2,716
Total interest expense	$1,222,000	2,670
Net interest income	$5,807,000	2,722
Provision for loan and lease losses	$126,000	2,426
Total noninterest income	$983,000	2,483
Gross Fiduciary activities income	$71,000	743
Service charges on deposit accounts	$409,000	1,803
Trading account gains and fees	NA	NA
Additional Noninterest Income	$503,000	2,735
Total noninterest expense	$4,757,000	2,624
Salaries and employee benefits	$2,614,000	2,686
Premises and equipment expense	$901,000	1,813
Additional noninterest expense	$1,242,000	2,907
Pre-tax net operating income	$1,907,000	2,798
Securities gains (losses)	$7,000	1,751
Applicable income taxes	$0	3,902
Income before extraordinary items	$1,914,000	2,603
Extraordinary gains, net	$0	11
Net income	$1,914,000	2,604
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,914,000	2,604
Net charge-offs	$111,000	1,697
Cash dividends	$1,350,000	1,527
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$1,907,000	2,569
2019-06-30 (YTD Data)		Rank
Total interest income	$4,664,000	2,738
Total interest expense	$790,000	2,684
Net interest income	$3,874,000	2,737
Provision for loan and lease losses	$111,000	2,130
Total noninterest income	$641,000	2,473
Gross Fiduciary activities income	$51,000	742
Service charges on deposit accounts	$254,000	1,883
Trading account gains and fees	NA	NA
Additional Noninterest Income	$336,000	2,700
Total noninterest expense	$3,135,000	2,656
Salaries and employee benefits	$1,737,000	2,705
Premises and equipment expense	$588,000	1,845
Additional noninterest expense	$810,000	2,978
Pre-tax net operating income	$1,269,000	2,761
Securities gains (losses)	$4,000	1,415
Applicable income taxes	$0	3,901
Income before extraordinary items	$1,273,000	2,570
Extraordinary gains, net	$0	11
Net income	$1,273,000	2,569
Minority interest net income	$0	69
Net income of bank and minority interests.	$1,273,000	2,569
Net charge-offs	$73,000	1,587
Cash dividends	$875,000	1,563
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$1,269,000	2,543
2019-03-31 (YTD Data)		Rank
Total interest income	$2,262,000	2,804
Total interest expense	$377,000	2,717
Net interest income	$1,885,000	2,796
Provision for loan and lease losses	$50,000	2,037
Total noninterest income	$312,000	2,476
Gross Fiduciary activities income	$35,000	724
Service charges on deposit accounts	$123,000	1,929
Trading account gains and fees	NA	NA
Additional Noninterest Income	$154,000	2,724
Total noninterest expense	$1,522,000	2,722
Salaries and employee benefits	$866,000	2,733
Premises and equipment expense	$283,000	1,907
Additional noninterest expense	$373,000	3,162
Pre-tax net operating income	$625,000	2,750
Securities gains (losses)	$-7,000	5,055
Applicable income taxes	$0	3,800
Income before extraordinary items	$618,000	2,579
Extraordinary gains, net	$0	5
Net income	$618,000	2,578
Minority interest net income	$0	52
Net income of bank and minority interests.	$618,000	2,578
Net charge-offs	$47,000	1,246
Cash dividends	$400,000	1,497
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$625,000	2,539
2018-12-31 (YTD Data)		Rank
Total interest income	$8,450,000	2,831
Total interest expense	$1,029,000	2,884
Net interest income	$7,421,000	2,791
Provision for loan and lease losses	$52,000	3,472
Total noninterest income	$1,326,000	2,483
Gross Fiduciary activities income	$88,000	772
Service charges on deposit accounts	$547,000	1,856
Trading account gains and fees	NA	NA
Additional Noninterest Income	$691,000	2,667
Total noninterest expense	$5,567,000	2,846
Salaries and employee benefits	$3,337,000	2,761
Premises and equipment expense	$1,202,000	1,809
Additional noninterest expense	$1,028,000	3,854
Pre-tax net operating income	$3,128,000	2,438
Securities gains (losses)	$-18,000	4,565
Applicable income taxes	$0	3,978
Income before extraordinary items	$3,110,000	2,269
Extraordinary gains, net	$0	6
Net income	$3,110,000	2,267
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,110,000	2,268
Net charge-offs	$30,000	2,911
Cash dividends	$1,800,000	1,549
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,128,000	2,260
2018-09-30 (YTD Data)		Rank
Total interest income	$6,206,000	2,874
Total interest expense	$700,000	2,963
Net interest income	$5,506,000	2,820
Provision for loan and lease losses	$55,000	3,112
Total noninterest income	$964,000	2,555
Gross Fiduciary activities income	$67,000	776
Service charges on deposit accounts	$407,000	1,881
Trading account gains and fees	NA	NA
Additional Noninterest Income	$490,000	2,781
Total noninterest expense	$4,130,000	2,882
Salaries and employee benefits	$2,527,000	2,752
Premises and equipment expense	$899,000	1,828
Additional noninterest expense	$704,000	4,024
Pre-tax net operating income	$2,285,000	2,524
Securities gains (losses)	$0	1,118
Applicable income taxes	$0	4,032
Income before extraordinary items	$2,285,000	2,315
Extraordinary gains, net	$0	5
Net income	$2,285,000	2,314
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,285,000	2,314
Net charge-offs	$-59,000	4,976
Cash dividends	$1,200,000	1,503
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,285,000	2,310
2018-06-30 (YTD Data)		Rank
Total interest income	$4,062,000	2,900
Total interest expense	$414,000	3,066
Net interest income	$3,648,000	2,838
Provision for loan and lease losses	$20,000	3,342
Total noninterest income	$663,000	2,512
Gross Fiduciary activities income	$48,000	772
Service charges on deposit accounts	$268,000	1,893
Trading account gains and fees	NA	NA
Additional Noninterest Income	$347,000	2,715
Total noninterest expense	$3,120,000	2,684
Salaries and employee benefits	$1,677,000	2,790
Premises and equipment expense	$591,000	1,851
Additional noninterest expense	$852,000	2,921
Pre-tax net operating income	$1,171,000	2,909
Securities gains (losses)	$0	961
Applicable income taxes	$0	4,018
Income before extraordinary items	$1,171,000	2,698
Extraordinary gains, net	$0	6
Net income	$1,171,000	2,697
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,171,000	2,697
Net charge-offs	$4,000	2,887
Cash dividends	$800,000	1,505
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,171,000	2,690
2018-03-31 (YTD Data)		Rank
Total interest income	$2,014,000	2,912
Total interest expense	$191,000	3,154
Net interest income	$1,823,000	2,851
Provision for loan and lease losses	$20,000	2,793
Total noninterest income	$348,000	2,420
Gross Fiduciary activities income	$34,000	747
Service charges on deposit accounts	$132,000	1,920
Trading account gains and fees	NA	NA
Additional Noninterest Income	$182,000	2,604
Total noninterest expense	$1,578,000	2,689
Salaries and employee benefits	$833,000	2,824
Premises and equipment expense	$293,000	1,891
Additional noninterest expense	$452,000	2,826
Pre-tax net operating income	$573,000	2,896
Securities gains (losses)	$0	735
Applicable income taxes	$0	3,948
Income before extraordinary items	$573,000	2,686
Extraordinary gains, net	$0	7
Net income	$573,000	2,686
Minority interest net income	$0	52
Net income of bank and minority interests.	$573,000	2,686
Net charge-offs	$3,000	2,344
Cash dividends	$400,000	1,360
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$573,000	2,679
2017-12-31 (YTD Data)		Rank
Total interest income	$7,796,000	2,923
Total interest expense	$761,000	3,003
Net interest income	$7,035,000	2,877
Provision for loan and lease losses	$70,000	3,341
Total noninterest income	$1,225,000	2,662
Gross Fiduciary activities income	$92,000	791
Service charges on deposit accounts	$552,000	1,893
Trading account gains and fees	NA	NA
Additional Noninterest Income	$581,000	2,981
Total noninterest expense	$5,857,000	2,809
Salaries and employee benefits	$3,086,000	2,928
Premises and equipment expense	$1,058,000	2,024
Additional noninterest expense	$1,713,000	2,950
Pre-tax net operating income	$2,333,000	2,858
Securities gains (losses)	$-5,000	4,981
Applicable income taxes	$0	4,135
Income before extraordinary items	$2,328,000	2,437
Extraordinary gains, net	$0	9
Net income	$2,328,000	2,437
Minority interest net income	$0	76
Net income of bank and minority interests.	$2,328,000	2,437
Net charge-offs	$79,000	2,639
Cash dividends	$1,400,000	1,790
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$2,333,000	2,417
2017-09-30 (YTD Data)		Rank
Total interest income	$5,821,000	2,945
Total interest expense	$566,000	3,010
Net interest income	$5,255,000	2,906
Provision for loan and lease losses	$70,000	3,009
Total noninterest income	$909,000	2,707
Gross Fiduciary activities income	$63,000	802
Service charges on deposit accounts	$404,000	1,936
Trading account gains and fees	NA	NA
Additional Noninterest Income	$442,000	2,975
Total noninterest expense	$4,515,000	2,781
Salaries and employee benefits	$2,444,000	2,859
Premises and equipment expense	$773,000	2,069
Additional noninterest expense	$1,298,000	2,938
Pre-tax net operating income	$1,579,000	3,076
Securities gains (losses)	$-5,000	5,317
Applicable income taxes	$0	4,172
Income before extraordinary items	$1,574,000	2,775
Extraordinary gains, net	$0	9
Net income	$1,574,000	2,774
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,574,000	2,775
Net charge-offs	$63,000	2,280
Cash dividends	$1,050,000	1,639
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,579,000	2,752
2017-06-30 (YTD Data)		Rank
Total interest income	$3,846,000	2,955
Total interest expense	$367,000	3,029
Net interest income	$3,479,000	2,907
Provision for loan and lease losses	$45,000	2,934
Total noninterest income	$607,000	2,701
Gross Fiduciary activities income	$47,000	795
Service charges on deposit accounts	$263,000	1,960
Trading account gains and fees	NA	NA
Additional Noninterest Income	$297,000	2,954
Total noninterest expense	$2,993,000	2,806
Salaries and employee benefits	$1,623,000	2,881
Premises and equipment expense	$499,000	2,134
Additional noninterest expense	$871,000	2,936
Pre-tax net operating income	$1,048,000	3,048
Securities gains (losses)	$-4,000	5,393
Applicable income taxes	$0	4,189
Income before extraordinary items	$1,044,000	2,755
Extraordinary gains, net	$0	11
Net income	$1,044,000	2,755
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,044,000	2,755
Net charge-offs	$45,000	2,067
Cash dividends	$650,000	1,716
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,048,000	2,727
2017-03-31 (YTD Data)		Rank
Total interest income	$1,924,000	2,947
Total interest expense	$181,000	3,044
Net interest income	$1,743,000	2,909
Provision for loan and lease losses	$25,000	2,651
Total noninterest income	$329,000	2,596
Gross Fiduciary activities income	$31,000	775
Service charges on deposit accounts	$132,000	1,953
Trading account gains and fees	NA	NA
Additional Noninterest Income	$166,000	2,814
Total noninterest expense	$1,571,000	2,737
Salaries and employee benefits	$859,000	2,808
Premises and equipment expense	$252,000	2,133
Additional noninterest expense	$460,000	2,825
Pre-tax net operating income	$476,000	3,158
Securities gains (losses)	$-3,000	5,540
Applicable income taxes	$0	4,086
Income before extraordinary items	$473,000	2,846
Extraordinary gains, net	$0	8
Net income	$473,000	2,846
Minority interest net income	$0	55
Net income of bank and minority interests.	$473,000	2,846
Net charge-offs	$7,000	2,334
Cash dividends	$350,000	1,507
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$476,000	2,818
2016-12-31 (YTD Data)		Rank
Total interest income	$7,605,000	2,952
Total interest expense	$671,000	3,125
Net interest income	$6,934,000	2,910
Provision for loan and lease losses	$268,000	2,121
Total noninterest income	$1,217,000	2,752
Gross Fiduciary activities income	$200,000	737
Service charges on deposit accounts	$550,000	1,928
Trading account gains and fees	$0	170
Additional Noninterest Income	$467,000	3,352
Total noninterest expense	$5,931,000	2,872
Salaries and employee benefits	$2,919,000	3,070
Premises and equipment expense	$1,057,000	2,055
Additional noninterest expense	$1,955,000	2,801
Pre-tax net operating income	$1,952,000	3,102
Securities gains (losses)	$63,000	1,678
Applicable income taxes	$0	4,278
Income before extraordinary items	$2,015,000	2,774
Extraordinary gains, net	$0	5
Net income	$2,015,000	2,772
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,015,000	2,773
Net charge-offs	$281,000	1,595
Cash dividends	$1,200,000	1,965
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$1,952,000	2,787
2016-09-30 (YTD Data)		Rank
Total interest income	$5,680,000	2,970
Total interest expense	$497,000	3,137
Net interest income	$5,183,000	2,914
Provision for loan and lease losses	$258,000	1,784
Total noninterest income	$905,000	2,774
Gross Fiduciary activities income	$141,000	739
Service charges on deposit accounts	$415,000	1,924
Trading account gains and fees	$0	169
Additional Noninterest Income	$349,000	3,371
Total noninterest expense	$4,583,000	2,813
Salaries and employee benefits	$2,309,000	2,971
Premises and equipment expense	$795,000	2,056
Additional noninterest expense	$1,479,000	2,779
Pre-tax net operating income	$1,247,000	3,414
Securities gains (losses)	$61,000	1,624
Applicable income taxes	$0	4,325
Income before extraordinary items	$1,308,000	3,046
Extraordinary gains, net	$0	5
Net income	$1,308,000	3,046
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,308,000	3,046
Net charge-offs	$274,000	1,210
Cash dividends	$800,000	1,879
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,247,000	3,073
2016-06-30 (YTD Data)		Rank
Total interest income	$3,772,000	2,986
Total interest expense	$327,000	3,171
Net interest income	$3,445,000	2,932
Provision for loan and lease losses	$188,000	1,690
Total noninterest income	$619,000	2,710
Gross Fiduciary activities income	$108,000	729
Service charges on deposit accounts	$276,000	1,904
Trading account gains and fees	$0	157
Additional Noninterest Income	$235,000	3,368
Total noninterest expense	$2,924,000	2,913
Salaries and employee benefits	$1,504,000	3,047
Premises and equipment expense	$552,000	1,987
Additional noninterest expense	$868,000	3,057
Pre-tax net operating income	$952,000	3,175
Securities gains (losses)	$20,000	1,940
Applicable income taxes	$0	4,338
Income before extraordinary items	$972,000	2,861
Extraordinary gains, net	$0	16
Net income	$972,000	2,859
Minority interest net income	$0	71
Net income of bank and minority interests.	$972,000	2,860
Net charge-offs	$212,000	1,086
Cash dividends	$600,000	1,762
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$952,000	2,810
2016-03-31 (YTD Data)		Rank
Total interest income	$1,875,000	3,003
Total interest expense	$157,000	3,266
Net interest income	$1,718,000	2,942
Provision for loan and lease losses	$28,000	2,708
Total noninterest income	$316,000	2,655
Gross Fiduciary activities income	$57,000	724
Service charges on deposit accounts	$142,000	1,865
Trading account gains and fees	$0	142
Additional Noninterest Income	$117,000	3,311
Total noninterest expense	$1,494,000	2,877
Salaries and employee benefits	$789,000	2,970
Premises and equipment expense	$345,000	1,657
Additional noninterest expense	$360,000	3,479
Pre-tax net operating income	$512,000	3,004
Securities gains (losses)	$8,000	1,573
Applicable income taxes	$0	4,259
Income before extraordinary items	$520,000	2,687
Extraordinary gains, net	$0	12
Net income	$520,000	2,687
Minority interest net income	$0	62
Net income of bank and minority interests.	$520,000	2,687
Net charge-offs	$9,000	2,377
Cash dividends	$400,000	1,369
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$512,000	2,661
2015-12-31 (YTD Data)		Rank
Total interest income	$7,491,000	2,974
Total interest expense	$615,000	3,339
Net interest income	$6,876,000	2,894
Provision for loan and lease losses	$135,000	2,741
Total noninterest income	$1,122,000	2,883
Gross Fiduciary activities income	$72,000	859
Service charges on deposit accounts	$559,000	1,950
Trading account gains and fees	$0	159
Additional Noninterest Income	$491,000	3,309
Total noninterest expense	$6,643,000	2,660
Salaries and employee benefits	$2,730,000	3,218
Premises and equipment expense	$1,047,000	2,103
Additional noninterest expense	$2,866,000	2,093
Pre-tax net operating income	$1,220,000	3,818
Securities gains (losses)	$47,000	1,685
Applicable income taxes	$1,000	4,340
Income before extraordinary items	$1,266,000	3,525
Extraordinary gains, net	$0	23
Net income	$1,266,000	3,522
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,266,000	3,525
Net charge-offs	$102,000	2,636
Cash dividends	$515,000	2,888
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$1,219,000	3,556
2015-09-30 (YTD Data)		Rank
Total interest income	$5,606,000	3,002
Total interest expense	$454,000	3,418
Net interest income	$5,152,000	2,916
Provision for loan and lease losses	$95,000	2,711
Total noninterest income	$805,000	2,964
Gross Fiduciary activities income	$58,000	854
Service charges on deposit accounts	$405,000	2,021
Trading account gains and fees	$0	153
Additional Noninterest Income	$342,000	3,430
Total noninterest expense	$8,051,000	1,778
Salaries and employee benefits	$2,074,000	3,220
Premises and equipment expense	$806,000	2,086
Additional noninterest expense	$5,171,000	950
Pre-tax net operating income	$-2,189,000	6,239
Securities gains (losses)	$47,000	1,506
Applicable income taxes	$1,000	4,417
Income before extraordinary items	$-2,143,000	6,236
Extraordinary gains, net	$0	21
Net income	$-2,143,000	6,236
Minority interest net income	$0	78
Net income of bank and minority interests.	$-2,143,000	6,236
Net charge-offs	$71,000	2,482
Cash dividends	$515,000	2,276
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$-2,190,000	6,235
2015-06-30 (YTD Data)		Rank
Total interest income	$3,720,000	3,006
Total interest expense	$296,000	3,485
Net interest income	$3,424,000	2,923
Provision for loan and lease losses	$70,000	2,568
Total noninterest income	$446,000	3,281
Gross Fiduciary activities income	$44,000	855
Service charges on deposit accounts	$261,000	2,035
Trading account gains and fees	$0	157
Additional Noninterest Income	$141,000	4,105
Total noninterest expense	$6,640,000	1,480
Salaries and employee benefits	$1,378,000	3,248
Premises and equipment expense	$619,000	1,858
Additional noninterest expense	$4,643,000	723
Pre-tax net operating income	$-2,840,000	6,334
Securities gains (losses)	$47,000	1,267
Applicable income taxes	$1,000	4,408
Income before extraordinary items	$-2,794,000	6,328
Extraordinary gains, net	$0	22
Net income	$-2,794,000	6,328
Minority interest net income	$0	75
Net income of bank and minority interests.	$-2,794,000	6,328
Net charge-offs	$43,000	2,441
Cash dividends	$515,000	1,885
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$-2,841,000	6,328
2015-03-31 (YTD Data)		Rank
Total interest income	$1,887,000	2,967
Total interest expense	$146,000	3,541
Net interest income	$1,741,000	2,902
Provision for loan and lease losses	$15,000	2,956
Total noninterest income	$232,000	3,164
Gross Fiduciary activities income	$30,000	822
Service charges on deposit accounts	$129,000	2,040
Trading account gains and fees	$0	152
Additional Noninterest Income	$73,000	4,041
Total noninterest expense	$1,302,000	3,200
Salaries and employee benefits	$744,000	3,116
Premises and equipment expense	$308,000	1,883
Additional noninterest expense	$250,000	4,360
Pre-tax net operating income	$656,000	2,538
Securities gains (losses)	$47,000	873
Applicable income taxes	$1,000	4,289
Income before extraordinary items	$702,000	2,132
Extraordinary gains, net	$0	13
Net income	$702,000	2,133
Minority interest net income	$0	64
Net income of bank and minority interests.	$702,000	2,133
Net charge-offs	$11,000	2,441
Cash dividends	$515,000	1,080
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$655,000	2,190
2014-12-31 (YTD Data)		Rank
Total interest income	$7,446,000	3,033
Total interest expense	$615,000	3,572
Net interest income	$6,831,000	2,948
Provision for loan and lease losses	$445,000	1,580
Total noninterest income	$1,074,000	3,011
Gross Fiduciary activities income	$119,000	829
Service charges on deposit accounts	$583,000	2,020
Trading account gains and fees	$0	180
Additional Noninterest Income	$372,000	3,706
Total noninterest expense	$4,904,000	3,358
Salaries and employee benefits	$2,707,000	3,299
Premises and equipment expense	$1,109,000	2,060
Additional noninterest expense	$1,088,000	4,264
Pre-tax net operating income	$2,556,000	2,551
Securities gains (losses)	$164,000	918
Applicable income taxes	$14,000	4,137
Income before extraordinary items	$2,706,000	2,177
Extraordinary gains, net	$0	17
Net income	$2,706,000	2,176
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,706,000	2,176
Net charge-offs	$419,000	1,666
Cash dividends	$1,755,000	1,402
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,543,640	2,227
2014-09-30 (YTD Data)		Rank
Total interest income	$5,553,000	3,070
Total interest expense	$458,000	3,652
Net interest income	$5,095,000	2,982
Provision for loan and lease losses	$200,000	2,067
Total noninterest income	$808,000	3,025
Gross Fiduciary activities income	$94,000	825
Service charges on deposit accounts	$437,000	2,020
Trading account gains and fees	$0	174
Additional Noninterest Income	$277,000	3,750
Total noninterest expense	$3,759,000	3,325
Salaries and employee benefits	$2,144,000	3,196
Premises and equipment expense	$831,000	2,079
Additional noninterest expense	$784,000	4,389
Pre-tax net operating income	$1,944,000	2,560
Securities gains (losses)	$160,000	744
Applicable income taxes	$2,000	4,434
Income before extraordinary items	$2,102,000	2,140
Extraordinary gains, net	$0	15
Net income	$2,102,000	2,138
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,102,000	2,138
Net charge-offs	$248,000	1,769
Cash dividends	$1,475,000	1,170
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$1,942,000	2,220
2014-06-30 (YTD Data)		Rank
Total interest income	$3,650,000	3,101
Total interest expense	$304,000	3,705
Net interest income	$3,346,000	3,011
Provision for loan and lease losses	$120,000	2,134
Total noninterest income	$551,000	2,945
Gross Fiduciary activities income	$65,000	827
Service charges on deposit accounts	$285,000	2,041
Trading account gains and fees	$0	172
Additional Noninterest Income	$201,000	3,623
Total noninterest expense	$2,509,000	3,340
Salaries and employee benefits	$1,422,000	3,236
Premises and equipment expense	$589,000	1,980
Additional noninterest expense	$498,000	4,492
Pre-tax net operating income	$1,268,000	2,544
Securities gains (losses)	$40,000	1,296
Applicable income taxes	$2,000	4,388
Income before extraordinary items	$1,306,000	2,203
Extraordinary gains, net	$0	20
Net income	$1,306,000	2,206
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,306,000	2,206
Net charge-offs	$111,000	2,088
Cash dividends	$975,000	1,196
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,266,000	2,203
2014-03-31 (YTD Data)		Rank
Total interest income	$1,839,000	3,100
Total interest expense	$151,000	3,774
Net interest income	$1,688,000	3,003
Provision for loan and lease losses	$45,000	2,313
Total noninterest income	$288,000	2,870
Gross Fiduciary activities income	$31,000	843
Service charges on deposit accounts	$138,000	2,072
Trading account gains and fees	$0	147
Additional Noninterest Income	$119,000	3,322
Total noninterest expense	$1,225,000	3,429
Salaries and employee benefits	$706,000	3,266
Premises and equipment expense	$297,000	1,999
Additional noninterest expense	$222,000	4,772
Pre-tax net operating income	$706,000	2,303
Securities gains (losses)	$0	1,715
Applicable income taxes	$0	4,445
Income before extraordinary items	$706,000	1,983
Extraordinary gains, net	$0	16
Net income	$706,000	1,986
Minority interest net income	$0	66
Net income of bank and minority interests.	$706,000	1,986
Net charge-offs	$17,000	2,586
Cash dividends	$475,000	1,076
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$706,000	1,948
2013-12-31 (YTD Data)		Rank
Total interest income	$7,128,000	3,204
Total interest expense	$598,000	4,087
Net interest income	$6,530,000	3,057
Provision for loan and lease losses	$145,000	3,307
Total noninterest income	$1,286,000	2,813
Gross Fiduciary activities income	$111,000	854
Service charges on deposit accounts	$631,000	1,978
Trading account gains and fees	$0	184
Additional Noninterest Income	$544,000	3,248
Total noninterest expense	$4,721,000	3,549
Salaries and employee benefits	$2,536,000	3,507
Premises and equipment expense	$1,102,000	2,063
Additional noninterest expense	$1,083,000	4,420
Pre-tax net operating income	$2,950,000	2,192
Securities gains (losses)	$113,000	1,236
Applicable income taxes	$2,000	4,492
Income before extraordinary items	$3,061,000	1,867
Extraordinary gains, net	$0	29
Net income	$3,061,000	1,870
Minority interest net income	$0	90
Net income of bank and minority interests.	$3,061,000	1,870
Net charge-offs	$102,000	3,718
Cash dividends	$2,300,000	1,067
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,948,000	1,892
2013-09-30 (YTD Data)		Rank
Total interest income	$5,301,000	3,247
Total interest expense	$446,000	4,177
Net interest income	$4,855,000	3,107
Provision for loan and lease losses	$135,000	3,044
Total noninterest income	$840,000	3,056
Gross Fiduciary activities income	$87,000	843
Service charges on deposit accounts	$469,000	1,998
Trading account gains and fees	$0	180
Additional Noninterest Income	$284,000	3,826
Total noninterest expense	$3,484,000	3,594
Salaries and employee benefits	$1,929,000	3,493
Premises and equipment expense	$839,000	2,056
Additional noninterest expense	$716,000	4,710
Pre-tax net operating income	$2,076,000	2,351
Securities gains (losses)	$113,000	1,142
Applicable income taxes	$2,000	4,565
Income before extraordinary items	$2,187,000	1,978
Extraordinary gains, net	$0	25
Net income	$2,187,000	1,985
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,187,000	1,984
Net charge-offs	$70,000	3,601
Cash dividends	$1,725,000	985
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,074,000	1,998
2013-06-30 (YTD Data)		Rank
Total interest income	$3,488,000	3,295
Total interest expense	$297,000	4,245
Net interest income	$3,191,000	3,139
Provision for loan and lease losses	$80,000	3,162
Total noninterest income	$571,000	3,074
Gross Fiduciary activities income	$70,000	832
Service charges on deposit accounts	$301,000	2,029
Trading account gains and fees	$0	157
Additional Noninterest Income	$200,000	3,783
Total noninterest expense	$2,294,000	3,641
Salaries and employee benefits	$1,269,000	3,537
Premises and equipment expense	$601,000	1,922
Additional noninterest expense	$424,000	4,973
Pre-tax net operating income	$1,388,000	2,335
Securities gains (losses)	$113,000	1,035
Applicable income taxes	$2,000	4,510
Income before extraordinary items	$1,499,000	1,926
Extraordinary gains, net	$0	22
Net income	$1,499,000	1,933
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,499,000	1,932
Net charge-offs	$24,000	3,889
Cash dividends	$1,150,000	966
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,386,000	1,982
2013-03-31 (YTD Data)		Rank
Total interest income	$1,753,000	3,310
Total interest expense	$148,000	4,335
Net interest income	$1,605,000	3,133
Provision for loan and lease losses	$60,000	2,589
Total noninterest income	$302,000	2,997
Gross Fiduciary activities income	$40,000	818
Service charges on deposit accounts	$145,000	2,082
Trading account gains and fees	$0	148
Additional Noninterest Income	$117,000	3,543
Total noninterest expense	$1,109,000	3,746
Salaries and employee benefits	$604,000	3,696
Premises and equipment expense	$321,000	1,856
Additional noninterest expense	$184,000	5,313
Pre-tax net operating income	$738,000	2,176
Securities gains (losses)	$83,000	739
Applicable income taxes	$-1,000	6,670
Income before extraordinary items	$822,000	1,728
Extraordinary gains, net	$0	10
Net income	$822,000	1,730
Minority interest net income	$0	76
Net income of bank and minority interests.	$822,000	1,730
Net charge-offs	$33,000	2,726
Cash dividends	$575,000	848
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$739,000	1,834
2012-12-31 (YTD Data)		Rank
Total interest income	$7,518,000	3,276
Total interest expense	$793,000	4,142
Net interest income	$6,725,000	3,084
Provision for loan and lease losses	$145,000	4,319
Total noninterest income	$1,152,000	3,030
Gross Fiduciary activities income	$173,000	809
Service charges on deposit accounts	$656,000	2,004
Trading account gains and fees	$0	166
Additional Noninterest Income	$323,000	3,945
Total noninterest expense	$4,663,000	3,660
Salaries and employee benefits	$2,459,000	3,614
Premises and equipment expense	$919,000	2,439
Additional noninterest expense	$1,285,000	4,185
Pre-tax net operating income	$3,069,000	2,048
Securities gains (losses)	$77,000	2,457
Applicable income taxes	$-43,000	6,633
Income before extraordinary items	$3,189,000	1,762
Extraordinary gains, net	$0	29
Net income	$3,189,000	1,762
Minority interest net income	$0	93
Net income of bank and minority interests.	$3,189,000	1,763
Net charge-offs	$134,000	4,156
Cash dividends	$2,180,000	1,147
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,112,000	1,698
2012-09-30 (YTD Data)		Rank
Total interest income	$5,680,000	3,321
Total interest expense	$624,000	4,149
Net interest income	$5,056,000	3,128
Provision for loan and lease losses	$110,000	4,250
Total noninterest income	$870,000	3,029
Gross Fiduciary activities income	$144,000	791
Service charges on deposit accounts	$489,000	2,042
Trading account gains and fees	$0	157
Additional Noninterest Income	$237,000	4,012
Total noninterest expense	$3,457,000	3,712
Salaries and employee benefits	$1,833,000	3,650
Premises and equipment expense	$716,000	2,391
Additional noninterest expense	$908,000	4,355
Pre-tax net operating income	$2,359,000	2,077
Securities gains (losses)	$75,000	2,189
Applicable income taxes	$0	4,802
Income before extraordinary items	$2,434,000	1,794
Extraordinary gains, net	$0	20
Net income	$2,434,000	1,793
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,434,000	1,795
Net charge-offs	$115,000	3,835
Cash dividends	$1,635,000	933
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,359,000	1,728
2012-06-30 (YTD Data)		Rank
Total interest income	$3,737,000	3,374
Total interest expense	$430,000	4,175
Net interest income	$3,307,000	3,184
Provision for loan and lease losses	$100,000	3,821
Total noninterest income	$574,000	2,997
Gross Fiduciary activities income	$97,000	793
Service charges on deposit accounts	$312,000	2,085
Trading account gains and fees	$0	153
Additional Noninterest Income	$165,000	3,929
Total noninterest expense	$2,352,000	3,675
Salaries and employee benefits	$1,241,000	3,622
Premises and equipment expense	$479,000	2,378
Additional noninterest expense	$632,000	4,263
Pre-tax net operating income	$1,429,000	2,223
Securities gains (losses)	$0	3,178
Applicable income taxes	$0	4,770
Income before extraordinary items	$1,429,000	1,962
Extraordinary gains, net	$0	19
Net income	$1,429,000	1,960
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,429,000	1,962
Net charge-offs	$109,000	3,332
Cash dividends	$1,090,000	904
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,429,000	1,862
2012-03-31 (YTD Data)		Rank
Total interest income	$1,940,000	3,302
Total interest expense	$225,000	4,181
Net interest income	$1,715,000	3,097
Provision for loan and lease losses	$30,000	4,088
Total noninterest income	$279,000	3,060
Gross Fiduciary activities income	$26,000	887
Service charges on deposit accounts	$154,000	2,090
Trading account gains and fees	$0	148
Additional Noninterest Income	$99,000	3,728
Total noninterest expense	$1,258,000	3,516
Salaries and employee benefits	$603,000	3,725
Premises and equipment expense	$325,000	1,822
Additional noninterest expense	$330,000	4,145
Pre-tax net operating income	$706,000	2,261
Securities gains (losses)	$0	2,210
Applicable income taxes	$0	4,704
Income before extraordinary items	$706,000	1,999
Extraordinary gains, net	$0	19
Net income	$706,000	2,000
Minority interest net income	$0	78
Net income of bank and minority interests.	$706,000	2,001
Net charge-offs	$22,000	3,626
Cash dividends	$545,000	809
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$706,000	1,897
2011-12-31 (YTD Data)		Rank
Total interest income	$7,556,000	3,484
Total interest expense	$1,140,000	4,093
Net interest income	$6,416,000	3,291
Provision for loan and lease losses	$100,000	5,330
Total noninterest income	$982,000	3,147
Gross Fiduciary activities income	$121,000	816
Service charges on deposit accounts	$652,000	2,098
Trading account gains and fees	$0	146
Additional Noninterest Income	$209,000	4,411
Total noninterest expense	$4,431,000	3,839
Salaries and employee benefits	$2,338,000	3,754
Premises and equipment expense	$931,000	2,558
Additional noninterest expense	$1,162,000	4,556
Pre-tax net operating income	$2,867,000	1,922
Securities gains (losses)	$27,000	2,953
Applicable income taxes	$327,000	2,451
Income before extraordinary items	$2,567,000	1,839
Extraordinary gains, net	$0	29
Net income	$2,567,000	1,840
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,567,000	1,840
Net charge-offs	$37,000	5,641
Cash dividends	$1,525,000	1,208
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,542,970	1,771
2011-09-30 (YTD Data)		Rank
Total interest income	$5,657,000	3,531
Total interest expense	$877,000	4,152
Net interest income	$4,780,000	3,327
Provision for loan and lease losses	$95,000	4,994
Total noninterest income	$799,000	3,008
Gross Fiduciary activities income	$87,000	813
Service charges on deposit accounts	$492,000	2,105
Trading account gains and fees	$0	145
Additional Noninterest Income	$220,000	3,964
Total noninterest expense	$3,546,000	3,687
Salaries and employee benefits	$1,775,000	3,725
Premises and equipment expense	$714,000	2,528
Additional noninterest expense	$1,057,000	4,022
Pre-tax net operating income	$1,938,000	2,132
Securities gains (losses)	$50,000	2,333
Applicable income taxes	$311,000	2,229
Income before extraordinary items	$1,677,000	2,117
Extraordinary gains, net	$0	21
Net income	$1,677,000	2,117
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,677,000	2,118
Net charge-offs	$36,000	5,203
Cash dividends	$950,000	1,214
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,635,000	2,073
2011-06-30 (YTD Data)		Rank
Total interest income	$3,682,000	3,618
Total interest expense	$591,000	4,222
Net interest income	$3,091,000	3,406
Provision for loan and lease losses	$70,000	4,772
Total noninterest income	$534,000	2,997
Gross Fiduciary activities income	$59,000	825
Service charges on deposit accounts	$323,000	2,106
Trading account gains and fees	$0	153
Additional Noninterest Income	$152,000	3,929
Total noninterest expense	$2,391,000	3,697
Salaries and employee benefits	$1,181,000	3,759
Premises and equipment expense	$474,000	2,560
Additional noninterest expense	$736,000	3,949
Pre-tax net operating income	$1,164,000	2,283
Securities gains (losses)	$37,000	1,760
Applicable income taxes	$329,000	1,703
Income before extraordinary items	$872,000	2,525
Extraordinary gains, net	$0	15
Net income	$872,000	2,525
Minority interest net income	$0	89
Net income of bank and minority interests.	$872,000	2,525
Net charge-offs	$40,000	4,628
Cash dividends	$700,000	1,112
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$844,990	2,501
2011-03-31 (YTD Data)		Rank
Total interest income	$1,803,000	3,686
Total interest expense	$298,000	4,313
Net interest income	$1,505,000	3,457
Provision for loan and lease losses	$35,000	4,507
Total noninterest income	$282,000	2,926
Gross Fiduciary activities income	$27,000	847
Service charges on deposit accounts	$157,000	2,133
Trading account gains and fees	$0	158
Additional Noninterest Income	$98,000	3,609
Total noninterest expense	$1,167,000	3,775
Salaries and employee benefits	$590,000	3,775
Premises and equipment expense	$210,000	2,872
Additional noninterest expense	$367,000	3,960
Pre-tax net operating income	$585,000	2,272
Securities gains (losses)	$37,000	859
Applicable income taxes	$329,000	1,034
Income before extraordinary items	$293,000	3,294
Extraordinary gains, net	$0	9
Net income	$293,000	3,291
Minority interest net income	$0	86
Net income of bank and minority interests.	$293,000	3,292
Net charge-offs	$19,000	4,068
Cash dividends	$400,000	888
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$269,320	3,385
2010-12-31 (YTD Data)		Rank
Total interest income	$7,171,000	3,849
Total interest expense	$1,372,000	4,482
Net interest income	$5,799,000	3,567
Provision for loan and lease losses	$395,000	4,470
Total noninterest income	$1,288,000	2,781
Gross Fiduciary activities income	$148,000	808
Service charges on deposit accounts	$709,000	2,018
Trading account gains and fees	$0	175
Additional Noninterest Income	$431,000	3,395
Total noninterest expense	$4,242,000	4,045
Salaries and employee benefits	$2,257,000	3,888
Premises and equipment expense	$833,000	2,897
Additional noninterest expense	$1,152,000	4,709
Pre-tax net operating income	$2,450,000	1,919
Securities gains (losses)	$72,000	2,423
Applicable income taxes	$761,000	1,474
Income before extraordinary items	$1,761,000	2,236
Extraordinary gains, net	$0	29
Net income	$1,761,000	2,237
Minority interest net income	$0	111
Net income of bank and minority interests.	$1,761,000	2,238
Net charge-offs	$207,000	4,733
Cash dividends	$1,778,000	904
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$1,710,600	2,194
2010-09-30 (YTD Data)		Rank
Total interest income	$5,381,000	3,920
Total interest expense	$1,033,000	4,620
Net interest income	$4,348,000	3,602
Provision for loan and lease losses	$304,000	4,300
Total noninterest income	$971,000	2,784
Gross Fiduciary activities income	$114,000	795
Service charges on deposit accounts	$527,000	2,095
Trading account gains and fees	$0	165
Additional Noninterest Income	$330,000	3,400
Total noninterest expense	$3,445,000	3,847
Salaries and employee benefits	$1,863,000	3,638
Premises and equipment expense	$610,000	2,994
Additional noninterest expense	$972,000	4,378
Pre-tax net operating income	$1,570,000	2,283
Securities gains (losses)	$38,000	2,592
Applicable income taxes	$550,000	1,578
Income before extraordinary items	$1,058,000	2,781
Extraordinary gains, net	$0	23
Net income	$1,058,000	2,777
Minority interest net income	$0	110
Net income of bank and minority interests.	$1,058,000	2,782
Net charge-offs	$69,000	5,267
Cash dividends	$1,400,000	794
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$1,032,920	2,700
2010-06-30 (YTD Data)		Rank
Total interest income	$3,554,000	3,976
Total interest expense	$660,000	4,840
Net interest income	$2,894,000	3,611
Provision for loan and lease losses	$213,000	4,131
Total noninterest income	$647,000	2,719
Gross Fiduciary activities income	$72,000	808
Service charges on deposit accounts	$341,000	2,141
Trading account gains and fees	$0	152
Additional Noninterest Income	$234,000	3,227
Total noninterest expense	$2,304,000	3,842
Salaries and employee benefits	$1,253,000	3,632
Premises and equipment expense	$406,000	3,021
Additional noninterest expense	$645,000	4,399
Pre-tax net operating income	$1,024,000	2,332
Securities gains (losses)	$21,000	2,342
Applicable income taxes	$380,000	1,487
Income before extraordinary items	$665,000	2,863
Extraordinary gains, net	$0	19
Net income	$665,000	2,859
Minority interest net income	$0	105
Net income of bank and minority interests.	$665,000	2,861
Net charge-offs	$10,000	5,823
Cash dividends	$200,000	2,292
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$651,560	2,791
2010-03-31 (YTD Data)		Rank
Total interest income	$1,734,000	4,103
Total interest expense	$323,000	5,009
Net interest income	$1,411,000	3,716
Provision for loan and lease losses	$103,000	3,915
Total noninterest income	$344,000	2,615
Gross Fiduciary activities income	$44,000	793
Service charges on deposit accounts	$172,000	2,115
Trading account gains and fees	$0	175
Additional Noninterest Income	$128,000	3,092
Total noninterest expense	$1,138,000	3,908
Salaries and employee benefits	$616,000	3,740
Premises and equipment expense	$216,000	2,938
Additional noninterest expense	$306,000	4,532
Pre-tax net operating income	$514,000	2,361
Securities gains (losses)	$21,000	1,498
Applicable income taxes	$173,000	1,579
Income before extraordinary items	$362,000	2,745
Extraordinary gains, net	$0	16
Net income	$362,000	2,743
Minority interest net income	$0	91
Net income of bank and minority interests.	$362,000	2,745
Net charge-offs	$25,000	4,275
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$347,720	2,714
2009-12-31 (YTD Data)		Rank
Total interest income	$7,507,000	3,998
Total interest expense	$1,977,000	4,486
Net interest income	$5,530,000	3,684
Provision for loan and lease losses	$395,000	4,890
Total noninterest income	$1,276,000	2,852
Gross Fiduciary activities income	$177,000	787
Service charges on deposit accounts	$713,000	2,217
Trading account gains and fees	$0	211
Additional Noninterest Income	$386,000	3,594
Total noninterest expense	$4,335,000	4,107
Salaries and employee benefits	$2,250,000	4,008
Premises and equipment expense	$816,000	3,079
Additional noninterest expense	$1,269,000	4,574
Pre-tax net operating income	$2,076,000	1,856
Securities gains (losses)	$123,000	1,954
Applicable income taxes	$452,000	1,638
Income before extraordinary items	$1,747,000	1,882
Extraordinary gains, net	$0	34
Net income	$1,747,000	1,879
Minority interest net income	$0	115
Net income of bank and minority interests.	$1,747,000	1,881
Net charge-offs	$370,000	4,203
Cash dividends	$1,000,000	1,619
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$1,649,830	1,913
2009-09-30 (YTD Data)		Rank
Total interest income	$5,639,000	4,041
Total interest expense	$1,553,000	4,491
Net interest income	$4,086,000	3,737
Provision for loan and lease losses	$304,000	4,566
Total noninterest income	$951,000	2,915
Gross Fiduciary activities income	$149,000	752
Service charges on deposit accounts	$507,000	2,327
Trading account gains and fees	$0	212
Additional Noninterest Income	$295,000	3,652
Total noninterest expense	$3,272,000	4,103
Salaries and employee benefits	$1,672,000	4,061
Premises and equipment expense	$661,000	2,904
Additional noninterest expense	$939,000	4,593
Pre-tax net operating income	$1,461,000	2,095
Securities gains (losses)	$117,000	1,699
Applicable income taxes	$344,000	1,784
Income before extraordinary items	$1,234,000	2,129
Extraordinary gains, net	$0	27
Net income	$1,234,000	2,126
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,234,000	2,129
Net charge-offs	$291,000	3,749
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,142,740	2,215
2009-06-30 (YTD Data)		Rank
Total interest income	$3,687,000	4,135
Total interest expense	$1,051,000	4,576
Net interest income	$2,636,000	3,796
Provision for loan and lease losses	$179,000	4,523
Total noninterest income	$633,000	2,934
Gross Fiduciary activities income	$112,000	736
Service charges on deposit accounts	$325,000	2,375
Trading account gains and fees	$0	193
Additional Noninterest Income	$196,000	3,677
Total noninterest expense	$2,178,000	4,129
Salaries and employee benefits	$1,095,000	4,151
Premises and equipment expense	$481,000	2,737
Additional noninterest expense	$602,000	4,717
Pre-tax net operating income	$912,000	2,281
Securities gains (losses)	$39,000	2,048
Applicable income taxes	$222,000	1,852
Income before extraordinary items	$729,000	2,393
Extraordinary gains, net	$0	21
Net income	$729,000	2,391
Minority interest net income	$0	112
Net income of bank and minority interests.	$729,000	2,393
Net charge-offs	$129,000	3,952
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$698,970	2,418
2009-03-31 (YTD Data)		Rank
Total interest income	$1,817,000	4,208
Total interest expense	$510,000	4,785
Net interest income	$1,307,000	3,817
Provision for loan and lease losses	$89,000	4,130
Total noninterest income	$325,000	2,877
Gross Fiduciary activities income	$69,000	703
Service charges on deposit accounts	$152,000	2,437
Trading account gains and fees	$0	171
Additional Noninterest Income	$104,000	3,605
Total noninterest expense	$973,000	4,382
Salaries and employee benefits	$542,000	4,202
Premises and equipment expense	$177,000	3,542
Additional noninterest expense	$254,000	4,905
Pre-tax net operating income	$570,000	2,142
Securities gains (losses)	$39,000	1,402
Applicable income taxes	$170,000	1,610
Income before extraordinary items	$439,000	2,384
Extraordinary gains, net	$0	15
Net income	$439,000	2,384
Minority interest net income	$0	102
Net income of bank and minority interests.	$439,000	2,386
Net charge-offs	$35,000	3,875
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$410,920	2,376
2008-12-31 (YTD Data)		Rank
Total interest income	$8,185,000	4,080
Total interest expense	$2,864,000	4,385
Net interest income	$5,321,000	3,781
Provision for loan and lease losses	$278,000	4,760
Total noninterest income	$1,383,000	2,782
Gross Fiduciary activities income	$161,000	817
Service charges on deposit accounts	$725,000	2,285
Trading account gains and fees	$0	154
Additional Noninterest Income	$497,000	3,178
Total noninterest expense	$3,941,000	4,285
Salaries and employee benefits	$2,149,000	4,221
Premises and equipment expense	$828,000	3,095
Additional noninterest expense	$964,000	4,937
Pre-tax net operating income	$2,485,000	2,098
Securities gains (losses)	$25,000	2,045
Applicable income taxes	$567,000	1,718
Income before extraordinary items	$1,943,000	2,044
Extraordinary gains, net	$0	39
Net income	$1,943,000	2,046
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$310,000	3,486
Cash dividends	$1,000,000	2,281
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,923,750	2,177
2008-09-30 (YTD Data)		Rank
Total interest income	$6,251,000	4,085
Total interest expense	$2,260,000	4,364
Net interest income	$3,991,000	3,810
Provision for loan and lease losses	$180,000	4,348
Total noninterest income	$1,011,000	2,887
Gross Fiduciary activities income	$136,000	801
Service charges on deposit accounts	$542,000	2,306
Trading account gains and fees	$0	148
Additional Noninterest Income	$333,000	3,506
Total noninterest expense	$2,965,000	4,255
Salaries and employee benefits	$1,586,000	4,292
Premises and equipment expense	$675,000	2,903
Additional noninterest expense	$704,000	4,936
Pre-tax net operating income	$1,857,000	2,426
Securities gains (losses)	$25,000	1,874
Applicable income taxes	$435,000	2,065
Income before extraordinary items	$1,447,000	2,395
Extraordinary gains, net	$0	31
Net income	$1,447,000	2,393
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$204,000	3,035
Cash dividends	$400,000	3,014
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,427,750	2,532
2008-06-30 (YTD Data)		Rank
Total interest income	$4,164,000	4,133
Total interest expense	$1,570,000	4,380
Net interest income	$2,594,000	3,874
Provision for loan and lease losses	$120,000	3,966
Total noninterest income	$696,000	2,853
Gross Fiduciary activities income	$103,000	800
Service charges on deposit accounts	$352,000	2,343
Trading account gains and fees	$0	149
Additional Noninterest Income	$241,000	3,420
Total noninterest expense	$2,006,000	4,221
Salaries and employee benefits	$1,045,000	4,374
Premises and equipment expense	$486,000	2,705
Additional noninterest expense	$475,000	4,899
Pre-tax net operating income	$1,164,000	2,639
Securities gains (losses)	$13,000	2,325
Applicable income taxes	$322,000	2,134
Income before extraordinary items	$855,000	2,919
Extraordinary gains, net	$0	21
Net income	$855,000	2,919
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,000	3,209
Cash dividends	$400,000	2,547
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$845,510	2,890
2008-03-31 (YTD Data)		Rank
Total interest income	$2,127,000	4,152
Total interest expense	$840,000	4,382
Net interest income	$1,287,000	3,896
Provision for loan and lease losses	$60,000	3,470
Total noninterest income	$355,000	2,810
Gross Fiduciary activities income	$57,000	784
Service charges on deposit accounts	$171,000	2,359
Trading account gains and fees	$0	158
Additional Noninterest Income	$127,000	3,340
Total noninterest expense	$943,000	4,418
Salaries and employee benefits	$516,000	4,435
Premises and equipment expense	$190,000	3,376
Additional noninterest expense	$237,000	4,843
Pre-tax net operating income	$639,000	2,582
Securities gains (losses)	$13,000	1,848
Applicable income taxes	$200,000	1,973
Income before extraordinary items	$452,000	2,920
Extraordinary gains, net	$0	15
Net income	$452,000	2,922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$64,000	2,218
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$443,030	2,879
2007-12-31 (YTD Data)		Rank
Total interest income	$8,565,000	4,176
Total interest expense	$3,948,000	4,043
Net interest income	$4,617,000	4,218
Provision for loan and lease losses	$180,000	4,023
Total noninterest income	$1,307,000	2,968
Gross Fiduciary activities income	$139,000	862
Service charges on deposit accounts	$715,000	2,330
Trading account gains and fees	$0	178
Additional Noninterest Income	$453,000	3,497
Total noninterest expense	$3,609,000	4,427
Salaries and employee benefits	$1,945,000	4,476
Premises and equipment expense	$761,000	3,216
Additional noninterest expense	$903,000	4,955
Pre-tax net operating income	$2,135,000	3,177
Securities gains (losses)	$15,000	1,192
Applicable income taxes	$472,000	2,816
Income before extraordinary items	$1,678,000	3,194
Extraordinary gains, net	$0	39
Net income	$1,678,000	3,192
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,430
Cash dividends	$750,000	3,074
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,666,300	3,194
2007-09-30 (YTD Data)		Rank
Total interest income	$6,358,000	4,230
Total interest expense	$2,973,000	4,044
Net interest income	$3,385,000	4,312
Provision for loan and lease losses	$180,000	3,151
Total noninterest income	$962,000	3,002
Gross Fiduciary activities income	$106,000	859
Service charges on deposit accounts	$518,000	2,371
Trading account gains and fees	$0	184
Additional Noninterest Income	$338,000	3,528
Total noninterest expense	$2,758,000	4,355
Salaries and employee benefits	$1,518,000	4,335
Premises and equipment expense	$583,000	3,133
Additional noninterest expense	$657,000	4,990
Pre-tax net operating income	$1,409,000	3,607
Securities gains (losses)	$6,000	1,140
Applicable income taxes	$362,000	2,941
Income before extraordinary items	$1,053,000	3,771
Extraordinary gains, net	$0	33
Net income	$1,053,000	3,770
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	4,063
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,048,560	3,767
2007-06-30 (YTD Data)		Rank
Total interest income	$4,076,000	4,338
Total interest expense	$1,894,000	4,158
Net interest income	$2,182,000	4,432
Provision for loan and lease losses	$120,000	2,960
Total noninterest income	$649,000	2,986
Gross Fiduciary activities income	$73,000	867
Service charges on deposit accounts	$344,000	2,387
Trading account gains and fees	$0	168
Additional Noninterest Income	$232,000	3,501
Total noninterest expense	$1,850,000	4,359
Salaries and employee benefits	$1,016,000	4,369
Premises and equipment expense	$407,000	3,054
Additional noninterest expense	$427,000	5,068
Pre-tax net operating income	$861,000	3,860
Securities gains (losses)	$14,000	780
Applicable income taxes	$228,000	3,094
Income before extraordinary items	$647,000	4,004
Extraordinary gains, net	$0	29
Net income	$647,000	4,004
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$113,000	1,925
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$636,640	4,034
2007-03-31 (YTD Data)		Rank
Total interest income	$1,966,000	4,440
Total interest expense	$901,000	4,271
Net interest income	$1,065,000	4,513
Provision for loan and lease losses	$60,000	2,747
Total noninterest income	$338,000	2,878
Gross Fiduciary activities income	$41,000	859
Service charges on deposit accounts	$167,000	2,392
Trading account gains and fees	$0	195
Additional Noninterest Income	$130,000	3,266
Total noninterest expense	$862,000	4,573
Salaries and employee benefits	$502,000	4,426
Premises and equipment expense	$172,000	3,510
Additional noninterest expense	$188,000	5,464
Pre-tax net operating income	$481,000	3,619
Securities gains (losses)	$-14,000	8,315
Applicable income taxes	$125,000	2,978
Income before extraordinary items	$342,000	3,884
Extraordinary gains, net	$0	22
Net income	$342,000	3,885
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	2,158
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$352,220	3,776
2006-12-31 (YTD Data)		Rank
Total interest income	$7,663,000	4,316
Total interest expense	$3,310,000	4,064
Net interest income	$4,353,000	4,431
Provision for loan and lease losses	$219,000	3,373
Total noninterest income	$1,223,000	3,084
Gross Fiduciary activities income	$193,000	811
Service charges on deposit accounts	$705,000	2,359
Trading account gains and fees	$0	130
Additional Noninterest Income	$325,000	4,142
Total noninterest expense	$3,534,000	4,384
Salaries and employee benefits	$1,892,000	4,457
Premises and equipment expense	$761,000	3,121
Additional noninterest expense	$881,000	4,927
Pre-tax net operating income	$1,823,000	3,864
Securities gains (losses)	$-125,000	8,267
Applicable income taxes	$378,000	3,505
Income before extraordinary items	$1,320,000	4,063
Extraordinary gains, net	$0	51
Net income	$1,320,000	4,063
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$213,000	2,101
Cash dividends	$715,000	3,164
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,417,500	3,888
2006-09-30 (YTD Data)		Rank
Total interest income	$5,753,000	4,289
Total interest expense	$2,398,000	4,075
Net interest income	$3,355,000	4,389
Provision for loan and lease losses	$219,000	2,733
Total noninterest income	$901,000	3,136
Gross Fiduciary activities income	$126,000	826
Service charges on deposit accounts	$513,000	2,428
Trading account gains and fees	$0	126
Additional Noninterest Income	$262,000	4,008
Total noninterest expense	$2,739,000	4,237
Salaries and employee benefits	$1,481,000	4,274
Premises and equipment expense	$584,000	3,078
Additional noninterest expense	$674,000	4,833
Pre-tax net operating income	$1,298,000	4,108
Securities gains (losses)	$-126,000	8,457
Applicable income taxes	$335,000	3,437
Income before extraordinary items	$837,000	4,597
Extraordinary gains, net	$0	45
Net income	$837,000	4,601
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$81,000	2,587
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$926,460	4,331
2006-06-30 (YTD Data)		Rank
Total interest income	$3,820,000	4,266
Total interest expense	$1,514,000	4,094
Net interest income	$2,306,000	4,286
Provision for loan and lease losses	$171,000	2,390
Total noninterest income	$595,000	3,139
Gross Fiduciary activities income	$88,000	838
Service charges on deposit accounts	$323,000	2,517
Trading account gains and fees	$0	126
Additional Noninterest Income	$184,000	3,900
Total noninterest expense	$1,845,000	4,225
Salaries and employee benefits	$989,000	4,300
Premises and equipment expense	$408,000	2,948
Additional noninterest expense	$448,000	4,836
Pre-tax net operating income	$885,000	4,092
Securities gains (losses)	$-126,000	8,569
Applicable income taxes	$198,000	3,639
Income before extraordinary items	$561,000	4,599
Extraordinary gains, net	$0	39
Net income	$561,000	4,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	2,485
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$654,240	4,219
2006-03-31 (YTD Data)		Rank
Total interest income	$1,881,000	4,256
Total interest expense	$719,000	4,106
Net interest income	$1,162,000	4,251
Provision for loan and lease losses	$89,000	2,241
Total noninterest income	$308,000	3,038
Gross Fiduciary activities income	$40,000	858
Service charges on deposit accounts	$152,000	2,572
Trading account gains and fees	$0	115
Additional Noninterest Income	$116,000	3,440
Total noninterest expense	$904,000	4,308
Salaries and employee benefits	$497,000	4,306
Premises and equipment expense	$178,000	3,298
Additional noninterest expense	$229,000	4,739
Pre-tax net operating income	$477,000	3,860
Securities gains (losses)	$-126,000	8,676
Applicable income taxes	$85,000	3,815
Income before extraordinary items	$266,000	4,712
Extraordinary gains, net	$0	21
Net income	$266,000	4,712
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	$361,760	3,935
2005-12-31 (YTD Data)		Rank
Total interest income	$7,071,000	4,119
Total interest expense	$2,392,000	3,936
Net interest income	$4,679,000	4,150
Provision for loan and lease losses	$308,000	2,763
Total noninterest income	$1,054,000	3,431
Gross Fiduciary activities income	$126,000	910
Service charges on deposit accounts	$652,000	2,485
Trading account gains and fees	$0	138
Additional Noninterest Income	$276,000	4,527
Total noninterest expense	$3,513,000	4,282
Salaries and employee benefits	$1,946,000	4,203
Premises and equipment expense	$753,000	3,052
Additional noninterest expense	$814,000	5,107
Pre-tax net operating income	$1,912,000	3,800
Securities gains (losses)	$23,000	1,207
Applicable income taxes	$518,000	3,312
Income before extraordinary items	$1,417,000	3,920
Extraordinary gains, net	$0	46
Net income	$1,417,000	3,920
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$301,000	1,728
Cash dividends	$715,000	3,035
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,400,210	3,923
2005-09-30 (YTD Data)		Rank
Total interest income	$5,280,000	4,076
Total interest expense	$1,711,000	3,931
Net interest income	$3,569,000	4,100
Provision for loan and lease losses	$270,000	2,383
Total noninterest income	$824,000	3,338
Gross Fiduciary activities income	$105,000	873
Service charges on deposit accounts	$506,000	2,428
Trading account gains and fees	$0	126
Additional Noninterest Income	$213,000	4,469
Total noninterest expense	$2,643,000	4,225
Salaries and employee benefits	$1,483,000	4,136
Premises and equipment expense	$537,000	3,161
Additional noninterest expense	$623,000	4,989
Pre-tax net operating income	$1,480,000	3,788
Securities gains (losses)	$23,000	1,178
Applicable income taxes	$449,000	3,130
Income before extraordinary items	$1,054,000	4,023
Extraordinary gains, net	$0	35
Net income	$1,054,000	4,023
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$306,000	1,239
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,037,900	4,027
2005-06-30 (YTD Data)		Rank
Total interest income	$3,400,000	4,120
Total interest expense	$1,042,000	4,021
Net interest income	$2,358,000	4,105
Provision for loan and lease losses	$181,000	2,297
Total noninterest income	$580,000	3,177
Gross Fiduciary activities income	$76,000	862
Service charges on deposit accounts	$341,000	2,362
Trading account gains and fees	$0	116
Additional Noninterest Income	$163,000	4,136
Total noninterest expense	$1,739,000	4,255
Salaries and employee benefits	$976,000	4,150
Premises and equipment expense	$349,000	3,200
Additional noninterest expense	$414,000	4,975
Pre-tax net operating income	$1,018,000	3,655
Securities gains (losses)	$11,000	1,322
Applicable income taxes	$308,000	3,058
Income before extraordinary items	$721,000	3,913
Extraordinary gains, net	$0	30
Net income	$721,000	3,915
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$172,000	1,343
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$713,300	3,891
2005-03-31 (YTD Data)		Rank
Total interest income	$1,654,000	4,179
Total interest expense	$499,000	4,031
Net interest income	$1,155,000	4,191
Provision for loan and lease losses	$60,000	2,830
Total noninterest income	$297,000	3,076
Gross Fiduciary activities income	$40,000	850
Service charges on deposit accounts	$158,000	2,451
Trading account gains and fees	$0	115
Additional Noninterest Income	$99,000	3,751
Total noninterest expense	$819,000	4,483
Salaries and employee benefits	$485,000	4,187
Premises and equipment expense	$174,000	3,244
Additional noninterest expense	$160,000	5,793
Pre-tax net operating income	$573,000	3,337
Securities gains (losses)	$10,000	1,006
Applicable income taxes	$113,000	3,574
Income before extraordinary items	$470,000	3,193
Extraordinary gains, net	$0	24
Net income	$470,000	3,194
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$118,000	1,013
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$461,900	3,208
2004-12-31 (YTD Data)		Rank
Total interest income	$6,347,000	4,089
Total interest expense	$1,606,000	4,320
Net interest income	$4,741,000	3,962
Provision for loan and lease losses	$326,000	2,748
Total noninterest income	$1,030,000	3,466
Gross Fiduciary activities income	$159,000	842
Service charges on deposit accounts	$582,000	2,774
Trading account gains and fees	$0	138
Additional Noninterest Income	$289,000	4,335
Total noninterest expense	$3,387,000	4,286
Salaries and employee benefits	$1,857,000	4,237
Premises and equipment expense	$744,000	2,970
Additional noninterest expense	$786,000	5,152
Pre-tax net operating income	$2,058,000	3,438
Securities gains (losses)	$42,000	1,872
Applicable income taxes	$424,000	3,626
Income before extraordinary items	$1,676,000	3,354
Extraordinary gains, net	$0	34
Net income	$1,676,000	3,352
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$137,000	3,170
Cash dividends	$750,000	2,828
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,642,400	3,345
2004-09-30 (YTD Data)		Rank
Total interest income	$4,764,000	4,079
Total interest expense	$1,152,000	4,406
Net interest income	$3,612,000	3,901
Provision for loan and lease losses	$265,000	2,488
Total noninterest income	$725,000	3,645
Gross Fiduciary activities income	$99,000	877
Service charges on deposit accounts	$426,000	2,848
Trading account gains and fees	$0	134
Additional Noninterest Income	$200,000	4,502
Total noninterest expense	$2,503,000	4,295
Salaries and employee benefits	$1,391,000	4,208
Premises and equipment expense	$489,000	3,310
Additional noninterest expense	$623,000	4,926
Pre-tax net operating income	$1,569,000	3,474
Securities gains (losses)	$42,000	1,794
Applicable income taxes	$366,000	3,452
Income before extraordinary items	$1,245,000	3,456
Extraordinary gains, net	$0	26
Net income	$1,245,000	3,456
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	5,309
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,212,660	3,439
2004-06-30 (YTD Data)		Rank
Total interest income	$3,090,000	4,149
Total interest expense	$746,000	4,496
Net interest income	$2,344,000	3,976
Provision for loan and lease losses	$180,000	2,366
Total noninterest income	$493,000	3,609
Gross Fiduciary activities income	$73,000	859
Service charges on deposit accounts	$276,000	2,899
Trading account gains and fees	$0	130
Additional Noninterest Income	$144,000	4,389
Total noninterest expense	$1,644,000	4,372
Salaries and employee benefits	$922,000	4,236
Premises and equipment expense	$306,000	3,498
Additional noninterest expense	$416,000	4,929
Pre-tax net operating income	$1,013,000	3,502
Securities gains (losses)	$42,000	1,561
Applicable income taxes	$199,000	3,794
Income before extraordinary items	$856,000	3,341
Extraordinary gains, net	$0	21
Net income	$856,000	3,341
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	3,991
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$821,980	3,372
2004-03-31 (YTD Data)		Rank
Total interest income	$1,464,000	4,347
Total interest expense	$363,000	4,606
Net interest income	$1,101,000	4,179
Provision for loan and lease losses	$90,000	2,254
Total noninterest income	$261,000	3,421
Gross Fiduciary activities income	$46,000	817
Service charges on deposit accounts	$129,000	2,993
Trading account gains and fees	$0	121
Additional Noninterest Income	$86,000	4,023
Total noninterest expense	$814,000	4,417
Salaries and employee benefits	$459,000	4,289
Premises and equipment expense	$175,000	3,162
Additional noninterest expense	$180,000	5,435
Pre-tax net operating income	$458,000	3,745
Securities gains (losses)	$21,000	1,679
Applicable income taxes	$99,000	3,795
Income before extraordinary items	$380,000	3,651
Extraordinary gains, net	$0	16
Net income	$380,000	3,650
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$65,000	1,713
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$363,410	3,643
2003-12-31 (YTD Data)		Rank
Total interest income	$5,414,000	4,626
Total interest expense	$1,532,000	4,811
Net interest income	$3,882,000	4,448
Provision for loan and lease losses	$394,000	2,625
Total noninterest income	$1,160,000	3,378
Gross Fiduciary activities income	$485,000	572
Service charges on deposit accounts	$515,000	3,019
Trading account gains and fees	$0	160
Additional Noninterest Income	$160,000	5,715
Total noninterest expense	$3,090,000	4,516
Salaries and employee benefits	$1,691,000	4,459
Premises and equipment expense	$582,000	3,611
Additional noninterest expense	$817,000	4,980
Pre-tax net operating income	$1,558,000	4,025
Securities gains (losses)	$83,000	2,060
Applicable income taxes	$402,000	3,769
Income before extraordinary items	$1,239,000	4,051
Extraordinary gains, net	$0	54
Net income	$1,239,000	4,053
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$197,000	2,903
Cash dividends	$700,000	2,934
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,175,920	4,021
2003-09-30 (YTD Data)		Rank
Total interest income	$4,026,000	4,705
Total interest expense	$1,163,000	4,908
Net interest income	$2,863,000	4,535
Provision for loan and lease losses	$303,000	2,488
Total noninterest income	$784,000	3,692
Gross Fiduciary activities income	$285,000	647
Service charges on deposit accounts	$377,000	3,087
Trading account gains and fees	$0	153
Additional Noninterest Income	$122,000	5,712
Total noninterest expense	$2,144,000	4,751
Salaries and employee benefits	$1,175,000	4,693
Premises and equipment expense	$406,000	3,809
Additional noninterest expense	$563,000	5,236
Pre-tax net operating income	$1,200,000	4,068
Securities gains (losses)	$94,000	1,810
Applicable income taxes	$294,000	3,949
Income before extraordinary items	$1,000,000	3,976
Extraordinary gains, net	$0	40
Net income	$1,000,000	3,976
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	3,747
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$927,620	4,024
2003-06-30 (YTD Data)		Rank
Total interest income	$2,600,000	4,852
Total interest expense	$783,000	4,997
Net interest income	$1,817,000	4,687
Provision for loan and lease losses	$185,000	2,635
Total noninterest income	$435,000	4,060
Gross Fiduciary activities income	$137,000	726
Service charges on deposit accounts	$219,000	3,403
Trading account gains and fees	$0	150
Additional Noninterest Income	$79,000	5,734
Total noninterest expense	$1,394,000	4,828
Salaries and employee benefits	$785,000	4,673
Premises and equipment expense	$251,000	4,030
Additional noninterest expense	$358,000	5,395
Pre-tax net operating income	$673,000	4,528
Securities gains (losses)	$128,000	1,333
Applicable income taxes	$171,000	4,268
Income before extraordinary items	$630,000	4,151
Extraordinary gains, net	$0	30
Net income	$630,000	4,150
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	3,791
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$528,880	4,442
2003-03-31 (YTD Data)		Rank
Total interest income	$1,246,000	5,025
Total interest expense	$393,000	5,084
Net interest income	$853,000	4,863
Provision for loan and lease losses	$89,000	2,624
Total noninterest income	$203,000	4,124
Gross Fiduciary activities income	$40,000	866
Service charges on deposit accounts	$106,000	3,394
Trading account gains and fees	$0	134
Additional Noninterest Income	$57,000	5,014
Total noninterest expense	$683,000	4,881
Salaries and employee benefits	$390,000	4,693
Premises and equipment expense	$143,000	3,633
Additional noninterest expense	$150,000	5,938
Pre-tax net operating income	$284,000	4,937
Securities gains (losses)	$127,000	870
Applicable income taxes	$83,000	4,283
Income before extraordinary items	$328,000	3,990
Extraordinary gains, net	$0	21
Net income	$328,000	3,988
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$27,000	2,880
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$226,400	4,788
2002-12-31 (YTD Data)		Rank
Total interest income	$5,019,000	5,157
Total interest expense	$1,628,000	5,468
Net interest income	$3,391,000	4,863
Provision for loan and lease losses	$661,000	1,911
Total noninterest income	$925,000	3,647
Gross Fiduciary activities income	$172,000	876
Service charges on deposit accounts	$403,000	3,523
Trading account gains and fees	$0	153
Additional Noninterest Income	$350,000	3,950
Total noninterest expense	$2,695,000	4,824
Salaries and employee benefits	$1,577,000	4,496
Premises and equipment expense	$474,000	4,096
Additional noninterest expense	$644,000	5,686
Pre-tax net operating income	$960,000	5,312
Securities gains (losses)	$78,000	1,993
Applicable income taxes	$188,000	5,198
Income before extraordinary items	$850,000	5,040
Extraordinary gains, net	$0	70
Net income	$850,000	5,040
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$884,000	1,078
Cash dividends	$700,000	2,886
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$786,040	5,116
2001-12-31 (YTD Data)		Rank
Total interest income	$6,301,000	4,794
Total interest expense	$2,558,000	5,323
Net interest income	$3,743,000	4,349
Provision for loan and lease losses	$121,000	5,176
Total noninterest income	$623,000	4,496
Gross Fiduciary activities income	$181,000	864
Service charges on deposit accounts	$409,000	3,324
Trading account gains and fees	$0	177
Additional Noninterest Income	$33,000	8,253
Total noninterest expense	$2,429,000	5,056
Salaries and employee benefits	$1,477,000	4,570
Premises and equipment expense	$398,000	4,614
Additional noninterest expense	$554,000	6,140
Pre-tax net operating income	$1,816,000	3,410
Securities gains (losses)	$42,000	2,526
Applicable income taxes	$470,000	3,435
Income before extraordinary items	$1,388,000	3,424
Extraordinary gains, net	$0	105
Net income	$1,388,000	3,429
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	6,011
Cash dividends	$700,000	2,851
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,356,500	3,387
2000-12-31 (YTD Data)		Rank
Total interest income	$6,189,000	4,969
Total interest expense	$2,980,000	4,952
Net interest income	$3,209,000	4,916
Provision for loan and lease losses	$99,000	5,366
Total noninterest income	$538,000	4,704
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$370,000	3,441
Trading account gains and fees	NA	NA
Additional Noninterest Income	$168,000	5,219
Total noninterest expense	$2,237,000	5,276
Salaries and employee benefits	$1,418,000	4,571
Premises and equipment expense	$329,000	5,144
Additional noninterest expense	$490,000	6,502
Pre-tax net operating income	$1,411,000	4,249
Securities gains (losses)	$-33,000	8,995
Applicable income taxes	$286,000	4,681
Income before extraordinary items	$1,092,000	4,127
Extraordinary gains, net	$0	38
Net income	$1,092,000	4,128
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$93,000	3,695
Cash dividends	$650,000	3,054
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,118,070	4,051
1999-12-31 (YTD Data)		Rank
Total interest income	$5,888,000	5,009
Total interest expense	$2,518,000	5,176
Net interest income	$3,370,000	4,760
Provision for loan and lease losses	$51,000	6,485
Total noninterest income	$406,000	5,562
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$206,000	5,045
Trading account gains and fees	NA	NA
Additional Noninterest Income	$200,000	4,940
Total noninterest expense	$2,241,000	5,262
Salaries and employee benefits	$1,371,000	4,668
Premises and equipment expense	$373,000	4,751
Additional noninterest expense	$497,000	6,542
Pre-tax net operating income	$1,484,000	4,121
Securities gains (losses)	$-25,000	9,615
Applicable income taxes	$282,000	4,944
Income before extraordinary items	$1,177,000	3,933
Extraordinary gains, net	$0	35
Net income	$1,177,000	3,934
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$68,000	4,288
Cash dividends	$650,000	3,008
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,197,250	3,859
1998-12-31 (YTD Data)		Rank
Total interest income	$5,541,000	5,274
Total interest expense	$2,426,000	5,479
Net interest income	$3,115,000	4,999
Provision for loan and lease losses	$0	8,652
Total noninterest income	$416,000	5,488
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$221,000	4,853
Trading account gains and fees	NA	NA
Additional Noninterest Income	$195,000	5,026
Total noninterest expense	$2,144,000	5,317
Salaries and employee benefits	$1,322,000	4,693
Premises and equipment expense	$392,000	4,494
Additional noninterest expense	$430,000	6,978
Pre-tax net operating income	$1,387,000	4,432
Securities gains (losses)	$51,000	1,715
Applicable income taxes	$285,000	5,310
Income before extraordinary items	$1,153,000	4,059
Extraordinary gains, net	$0	32
Net income	$1,153,000	4,058
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	9,619
Cash dividends	$600,000	3,104
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,112,200	4,058
1997-12-31 (YTD Data)		Rank
Total interest income	$5,346,000	5,530
Total interest expense	$2,304,000	5,715
Net interest income	$3,042,000	5,249
Provision for loan and lease losses	$0	8,829
Total noninterest income	$425,000	5,524
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$202,000	5,304
Trading account gains and fees	NA	NA
Additional Noninterest Income	$223,000	4,697
Total noninterest expense	$2,060,000	5,541
Salaries and employee benefits	$1,232,000	4,977
Premises and equipment expense	$384,000	4,589
Additional noninterest expense	$444,000	6,977
Pre-tax net operating income	$1,407,000	4,714
Securities gains (losses)	$-6,000	9,765
Applicable income taxes	$325,000	5,506
Income before extraordinary items	$1,076,000	4,435
Extraordinary gains, net	$0	44
Net income	$1,076,000	4,436
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	6,193
Cash dividends	$500,000	3,451
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,080,620	4,360
1996-12-31 (YTD Data)		Rank
Total interest income	$5,074,000	5,870
Total interest expense	$2,072,000	6,279
Net interest income	$3,002,000	5,440
Provision for loan and lease losses	$194,000	3,495
Total noninterest income	$332,000	6,601
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$175,000	6,012
Trading account gains and fees	NA	NA
Additional Noninterest Income	$157,000	5,848
Total noninterest expense	$1,775,000	6,444
Salaries and employee benefits	$1,174,000	5,303
Premises and equipment expense	$212,000	6,822
Additional noninterest expense	$389,000	7,971
Pre-tax net operating income	$1,365,000	4,666
Securities gains (losses)	$-20,000	10,629
Applicable income taxes	$327,000	5,546
Income before extraordinary items	$1,018,000	4,421
Extraordinary gains, net	$0	53
Net income	$1,018,000	4,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	5,548
Cash dividends	$500,000	3,368
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,033,200	4,309
1995-12-31 (YTD Data)		Rank
Total interest income	$5,066,000	5,928
Total interest expense	$2,306,000	5,879
Net interest income	$2,760,000	5,880
Provision for loan and lease losses	$141,000	3,765
Total noninterest income	$337,000	6,638
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$176,000	6,147
Trading account gains and fees	NA	NA
Additional Noninterest Income	$161,000	5,779
Total noninterest expense	$1,701,000	6,732
Salaries and employee benefits	$1,157,000	5,383
Premises and equipment expense	$187,000	7,460
Additional noninterest expense	$357,000	8,631
Pre-tax net operating income	$1,255,000	5,104
Securities gains (losses)	$-240,000	11,708
Applicable income taxes	$90,000	9,389
Income before extraordinary items	$925,000	4,875
Extraordinary gains, net	$0	65
Net income	$925,000	4,874
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$195,000	2,540
Cash dividends	$500,000	3,291
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$1,143,400	4,096
1994-12-31 (YTD Data)		Rank
Total interest income	$4,713,000	5,944
Total interest expense	$1,924,000	5,781
Net interest income	$2,789,000	5,933
Provision for loan and lease losses	$45,000	6,361
Total noninterest income	$390,000	6,234
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$166,000	6,530
Trading account gains and fees	NA	NA
Additional Noninterest Income	$224,000	4,900
Total noninterest expense	$1,844,000	6,578
Salaries and employee benefits	$1,161,000	5,418
Premises and equipment expense	$186,000	7,731
Additional noninterest expense	$497,000	7,873
Pre-tax net operating income	$1,290,000	4,969
Securities gains (losses)	$-217,000	11,984
Applicable income taxes	$187,000	7,575
Income before extraordinary items	$886,000	4,976
Extraordinary gains, net	$0	249
Net income	$886,000	4,981
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$110,000	3,552
Cash dividends	$500,000	3,161
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,066,110	4,337
1993-12-31 (YTD Data)		Rank
Total interest income	$4,855,000	5,925
Total interest expense	$1,746,000	6,495
Net interest income	$3,109,000	5,501
Provision for loan and lease losses	$240,000	3,470
Total noninterest income	$132,000	10,584
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$171,000	6,580
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-39,000	13,293
Total noninterest expense	$1,959,000	6,453
Salaries and employee benefits	$1,212,000	5,193
Premises and equipment expense	$241,000	6,865
Additional noninterest expense	$506,000	8,147
Pre-tax net operating income	$1,042,000	5,732
Securities gains (losses)	$34,000	3,940
Applicable income taxes	$376,000	5,226
Income before extraordinary items	$700,000	6,111
Extraordinary gains, net	$0	3,149
Net income	$700,000	6,282
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	7,509
Cash dividends	$500,000	3,045
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$677,900	6,007
1992-12-31 (YTD Data)		Rank
Total interest income	$5,160,000	6,228
Total interest expense	$2,149,000	6,758
Net interest income	$3,011,000	5,696
Provision for loan and lease losses	$216,000	5,027
Total noninterest income	$462,000	5,960
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	6,565
Trading account gains and fees	NA	NA
Additional Noninterest Income	$290,000	4,521
Total noninterest expense	$1,836,000	6,836
Salaries and employee benefits	$1,118,000	5,505
Premises and equipment expense	$262,000	6,577
Additional noninterest expense	$456,000	8,908
Pre-tax net operating income	$1,421,000	4,256
Securities gains (losses)	$-83,000	13,756
Applicable income taxes	$361,000	5,207
Income before extraordinary items	$977,000	4,594
Extraordinary gains, net	$0	1,422
Net income	$977,000	4,641
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$145,000	4,970
Cash dividends	$500,000	2,760
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,037,590	4,042

* 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.