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The Neffs National Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$16,006,000	2,185
Total interest expense	$5,477,000	1,913
Net interest income	$10,529,000	2,323
Provision for loan and lease losses	$58,000	2,746
Total noninterest income	$311,000	3,779
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$100,000	3,372
Trading account gains and fees	NA	NA
Additional Noninterest Income	$211,000	3,640
Total noninterest expense	$7,582,000	2,427
Salaries and employee benefits	$4,375,000	2,391
Premises and equipment expense	$1,066,000	1,957
Additional noninterest expense	$211,000	3,640
Pre-tax net operating income	$3,200,000	2,435
Securities gains (losses)	$0	988
Applicable income taxes	$191,000	2,468
Income before extraordinary items	$3,009,000	2,338
Extraordinary gains, net	$0	54
Net income	$3,009,000	2,362
Minority interest net income	$0	88
Net income of bank and minority interests.	$3,009,000	2,341
Net charge-offs	$38,000	1,925
Cash dividends	$2,650,000	1,304
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$3,009,000	2,355
2023-09-30 (YTD Data)		Rank
Total interest income	$11,896,000	2,162
Total interest expense	$3,825,000	1,876
Net interest income	$8,071,000	2,295
Provision for loan and lease losses	$86,000	2,235
Total noninterest income	$231,000	3,776
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$72,000	3,416
Trading account gains and fees	NA	NA
Additional Noninterest Income	$159,000	3,620
Total noninterest expense	$5,748,000	2,386
Salaries and employee benefits	$3,257,000	2,397
Premises and equipment expense	$833,000	1,908
Additional noninterest expense	$159,000	3,618
Pre-tax net operating income	$2,468,000	2,459
Securities gains (losses)	$0	849
Applicable income taxes	$154,000	2,477
Income before extraordinary items	$2,314,000	2,332
Extraordinary gains, net	$0	52
Net income	$2,314,000	2,354
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,314,000	2,334
Net charge-offs	$33,000	1,664
Cash dividends	$2,600,000	975
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$2,314,000	2,358
2023-06-30 (YTD Data)		Rank
Total interest income	$7,849,000	2,146
Total interest expense	$2,290,000	1,857
Net interest income	$5,559,000	2,264
Provision for loan and lease losses	$43,000	2,309
Total noninterest income	$169,000	3,726
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$53,000	3,328
Trading account gains and fees	NA	NA
Additional Noninterest Income	$116,000	3,582
Total noninterest expense	$3,883,000	2,362
Salaries and employee benefits	$2,206,000	2,371
Premises and equipment expense	$545,000	1,916
Additional noninterest expense	$116,000	3,567
Pre-tax net operating income	$1,802,000	2,371
Securities gains (losses)	$0	938
Applicable income taxes	$133,000	2,392
Income before extraordinary items	$1,669,000	2,268
Extraordinary gains, net	$0	51
Net income	$1,669,000	2,295
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,669,000	2,268
Net charge-offs	$18,000	1,582
Cash dividends	$1,750,000	973
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$1,669,000	2,285
2023-03-31 (YTD Data)		Rank
Total interest income	$3,872,000	2,147
Total interest expense	$999,000	1,834
Net interest income	$2,873,000	2,211
Provision for loan and lease losses	$12,000	2,299
Total noninterest income	$80,000	3,764
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$26,000	3,350
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	3,642
Total noninterest expense	$2,026,000	2,322
Salaries and employee benefits	$1,103,000	2,403
Premises and equipment expense	$280,000	1,903
Additional noninterest expense	$54,000	3,642
Pre-tax net operating income	$915,000	2,409
Securities gains (losses)	$0	950
Applicable income taxes	$67,000	2,413
Income before extraordinary items	$848,000	2,305
Extraordinary gains, net	$0	4
Net income	$848,000	2,305
Minority interest net income	$0	48
Net income of bank and minority interests.	$848,000	2,305
Net charge-offs	$7,000	1,486
Cash dividends	$1,031,000	790
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$848,000	2,338
2022-12-31 (YTD Data)		Rank
Total interest income	$14,259,000	2,034
Total interest expense	$1,915,000	1,643
Net interest income	$12,344,000	2,070
Provision for loan and lease losses	$0	3,012
Total noninterest income	$371,000	3,763
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$90,000	3,536
Trading account gains and fees	NA	NA
Additional Noninterest Income	$281,000	3,579
Total noninterest expense	$7,508,000	2,400
Salaries and employee benefits	$4,232,000	2,410
Premises and equipment expense	$1,057,000	1,948
Additional noninterest expense	$281,000	3,579
Pre-tax net operating income	$5,207,000	1,995
Securities gains (losses)	$0	691
Applicable income taxes	$603,000	1,908
Income before extraordinary items	$4,604,000	1,928
Extraordinary gains, net	$0	5
Net income	$4,604,000	1,927
Minority interest net income	$0	63
Net income of bank and minority interests.	$4,604,000	1,927
Net charge-offs	$-6,000	3,530
Cash dividends	$2,500,000	1,291
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$4,604,000	1,963
2022-09-30 (YTD Data)		Rank
Total interest income	$10,442,000	2,021
Total interest expense	$1,257,000	1,495
Net interest income	$9,185,000	2,055
Provision for loan and lease losses	$0	2,835
Total noninterest income	$286,000	3,771
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$60,000	3,660
Trading account gains and fees	NA	NA
Additional Noninterest Income	$226,000	3,550
Total noninterest expense	$5,685,000	2,377
Salaries and employee benefits	$3,175,000	2,404
Premises and equipment expense	$810,000	1,943
Additional noninterest expense	$226,000	3,550
Pre-tax net operating income	$3,786,000	1,996
Securities gains (losses)	$0	740
Applicable income taxes	$434,000	1,936
Income before extraordinary items	$3,352,000	1,948
Extraordinary gains, net	$0	4
Net income	$3,352,000	1,947
Minority interest net income	$0	57
Net income of bank and minority interests.	$3,352,000	1,947
Net charge-offs	$-4,000	3,351
Cash dividends	$2,324,000	1,017
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$3,352,000	1,983
2022-06-30 (YTD Data)		Rank
Total interest income	$6,758,000	2,013
Total interest expense	$825,000	1,328
Net interest income	$5,933,000	2,065
Provision for loan and lease losses	$0	2,599
Total noninterest income	$219,000	3,659
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$33,000	3,833
Trading account gains and fees	NA	NA
Additional Noninterest Income	$186,000	3,390
Total noninterest expense	$3,774,000	2,373
Salaries and employee benefits	$2,081,000	2,433
Premises and equipment expense	$521,000	1,986
Additional noninterest expense	$1,172,000	2,343
Pre-tax net operating income	$2,378,000	1,987
Securities gains (losses)	$0	687
Applicable income taxes	$268,000	1,918
Income before extraordinary items	$2,110,000	1,939
Extraordinary gains, net	$0	4
Net income	$2,110,000	1,939
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,110,000	1,939
Net charge-offs	$-3,000	3,282
Cash dividends	$1,650,000	977
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$2,110,000	1,979
2022-03-31 (YTD Data)		Rank
Total interest income	$3,277,000	2,001
Total interest expense	$427,000	1,255
Net interest income	$2,850,000	2,065
Provision for loan and lease losses	$0	2,285
Total noninterest income	$65,000	4,009
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$19,000	3,727
Trading account gains and fees	NA	NA
Additional Noninterest Income	$46,000	3,865
Total noninterest expense	$1,846,000	2,414
Salaries and employee benefits	$1,034,000	2,450
Premises and equipment expense	$258,000	2,000
Additional noninterest expense	$554,000	2,417
Pre-tax net operating income	$1,069,000	2,024
Securities gains (losses)	$0	623
Applicable income taxes	$110,000	2,010
Income before extraordinary items	$959,000	1,969
Extraordinary gains, net	$0	4
Net income	$959,000	1,968
Minority interest net income	$0	50
Net income of bank and minority interests.	$959,000	1,969
Net charge-offs	$-2,000	3,266
Cash dividends	$1,175,000	698
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$959,000	1,990
2021-12-31 (YTD Data)		Rank
Total interest income	$13,280,000	2,047
Total interest expense	$2,146,000	1,252
Net interest income	$11,134,000	2,158
Provision for loan and lease losses	$0	3,064
Total noninterest income	$244,000	4,175
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$65,000	3,838
Trading account gains and fees	NA	NA
Additional Noninterest Income	$179,000	4,062
Total noninterest expense	$6,746,000	2,545
Salaries and employee benefits	$3,819,000	2,572
Premises and equipment expense	$938,000	2,110
Additional noninterest expense	$1,989,000	2,609
Pre-tax net operating income	$4,632,000	2,154
Securities gains (losses)	$0	2,062
Applicable income taxes	$494,000	2,105
Income before extraordinary items	$4,138,000	2,109
Extraordinary gains, net	$0	10
Net income	$4,138,000	2,110
Minority interest net income	$0	74
Net income of bank and minority interests.	$4,138,000	2,110
Net charge-offs	$18,000	2,103
Cash dividends	$1,600,000	1,735
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$4,138,000	2,083
2021-09-30 (YTD Data)		Rank
Total interest income	$10,003,000	2,068
Total interest expense	$1,670,000	1,283
Net interest income	$8,333,000	2,196
Provision for loan and lease losses	$0	2,963
Total noninterest income	$187,000	4,205
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$47,000	3,901
Trading account gains and fees	NA	NA
Additional Noninterest Income	$140,000	4,067
Total noninterest expense	$5,079,000	2,559
Salaries and employee benefits	$2,860,000	2,587
Premises and equipment expense	$739,000	2,076
Additional noninterest expense	$1,480,000	2,622
Pre-tax net operating income	$3,441,000	2,252
Securities gains (losses)	$0	2,015
Applicable income taxes	$362,000	2,198
Income before extraordinary items	$3,079,000	2,211
Extraordinary gains, net	$0	8
Net income	$3,079,000	2,210
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,079,000	2,211
Net charge-offs	$19,000	1,762
Cash dividends	$1,333,000	1,496
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$3,079,000	2,182
2021-06-30 (YTD Data)		Rank
Total interest income	$6,833,000	2,027
Total interest expense	$1,145,000	1,302
Net interest income	$5,688,000	2,123
Provision for loan and lease losses	$0	2,862
Total noninterest income	$117,000	4,256
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$29,000	3,952
Trading account gains and fees	NA	NA
Additional Noninterest Income	$88,000	4,125
Total noninterest expense	$3,423,000	2,523
Salaries and employee benefits	$1,907,000	2,585
Premises and equipment expense	$482,000	2,103
Additional noninterest expense	$1,034,000	2,515
Pre-tax net operating income	$2,382,000	2,168
Securities gains (losses)	$0	1,818
Applicable income taxes	$260,000	2,127
Income before extraordinary items	$2,122,000	2,151
Extraordinary gains, net	$0	6
Net income	$2,122,000	2,151
Minority interest net income	$0	67
Net income of bank and minority interests.	$2,122,000	2,151
Net charge-offs	$2,000	2,060
Cash dividends	$659,000	1,713
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$2,122,000	2,114
2021-03-31 (YTD Data)		Rank
Total interest income	$3,222,000	2,104
Total interest expense	$589,000	1,331
Net interest income	$2,633,000	2,245
Provision for loan and lease losses	$0	2,741
Total noninterest income	$56,000	4,281
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$15,000	3,924
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	4,147
Total noninterest expense	$1,776,000	2,452
Salaries and employee benefits	$957,000	2,570
Premises and equipment expense	$240,000	2,113
Additional noninterest expense	$579,000	2,316
Pre-tax net operating income	$913,000	2,498
Securities gains (losses)	$0	1,392
Applicable income taxes	$72,000	2,488
Income before extraordinary items	$841,000	2,443
Extraordinary gains, net	$0	3
Net income	$841,000	2,441
Minority interest net income	$0	55
Net income of bank and minority interests.	$841,000	2,443
Net charge-offs	$3,000	1,645
Cash dividends	$659,000	1,005
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$841,000	2,403
2020-12-31 (YTD Data)		Rank
Total interest income	$13,231,000	2,077
Total interest expense	$2,974,000	1,498
Net interest income	$10,257,000	2,218
Provision for loan and lease losses	$214,000	2,976
Total noninterest income	$98,000	4,660
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$53,000	4,119
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	4,652
Total noninterest expense	$6,147,000	2,655
Salaries and employee benefits	$3,497,000	2,683
Premises and equipment expense	$841,000	2,275
Additional noninterest expense	$1,809,000	2,701
Pre-tax net operating income	$3,994,000	2,067
Securities gains (losses)	$0	2,675
Applicable income taxes	$359,000	2,169
Income before extraordinary items	$3,635,000	2,035
Extraordinary gains, net	$0	4
Net income	$3,635,000	2,035
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,635,000	2,035
Net charge-offs	$1,000	3,386
Cash dividends	$1,450,000	1,810
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$3,635,000	1,980
2020-09-30 (YTD Data)		Rank
Total interest income	$10,077,000	2,056
Total interest expense	$2,326,000	1,522
Net interest income	$7,751,000	2,206
Provision for loan and lease losses	$209,000	2,730
Total noninterest income	$58,000	4,752
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$38,000	4,181
Trading account gains and fees	NA	NA
Additional Noninterest Income	$20,000	4,772
Total noninterest expense	$4,875,000	2,549
Salaries and employee benefits	$2,815,000	2,570
Premises and equipment expense	$678,000	2,155
Additional noninterest expense	$1,382,000	2,654
Pre-tax net operating income	$2,725,000	2,173
Securities gains (losses)	$0	2,494
Applicable income taxes	$212,000	2,348
Income before extraordinary items	$2,513,000	2,141
Extraordinary gains, net	$0	4
Net income	$2,513,000	2,141
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,513,000	2,141
Net charge-offs	$6,000	2,872
Cash dividends	$1,416,000	1,397
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$2,513,000	2,083
2020-06-30 (YTD Data)		Rank
Total interest income	$6,883,000	2,041
Total interest expense	$1,613,000	1,560
Net interest income	$5,270,000	2,176
Provision for loan and lease losses	$170,000	2,555
Total noninterest income	$7,000	4,974
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$25,000	4,219
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-18,000	5,026
Total noninterest expense	$3,183,000	2,589
Salaries and employee benefits	$1,850,000	2,595
Premises and equipment expense	$415,000	2,280
Additional noninterest expense	$918,000	2,656
Pre-tax net operating income	$1,924,000	2,057
Securities gains (losses)	$0	2,249
Applicable income taxes	$168,000	2,200
Income before extraordinary items	$1,756,000	2,015
Extraordinary gains, net	$0	4
Net income	$1,756,000	2,016
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,756,000	2,016
Net charge-offs	$7,000	2,562
Cash dividends	$758,000	1,581
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$1,756,000	1,972
2020-03-31 (YTD Data)		Rank
Total interest income	$3,462,000	2,030
Total interest expense	$839,000	1,640
Net interest income	$2,623,000	2,138
Provision for loan and lease losses	$33,000	2,789
Total noninterest income	$-33,000	5,082
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$15,000	4,249
Trading account gains and fees	NA	NA
Additional Noninterest Income	$-48,000	5,082
Total noninterest expense	$1,567,000	2,651
Salaries and employee benefits	$880,000	2,688
Premises and equipment expense	$193,000	2,393
Additional noninterest expense	$494,000	2,558
Pre-tax net operating income	$990,000	1,837
Securities gains (losses)	$0	1,705
Applicable income taxes	$92,000	2,006
Income before extraordinary items	$898,000	1,816
Extraordinary gains, net	$0	4
Net income	$898,000	1,816
Minority interest net income	$0	56
Net income of bank and minority interests.	$898,000	1,816
Net charge-offs	$-4,000	4,126
Cash dividends	$758,000	987
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$898,000	1,787
2019-12-31 (YTD Data)		Rank
Total interest income	$13,806,000	2,059
Total interest expense	$3,436,000	1,650
Net interest income	$10,370,000	2,169
Provision for loan and lease losses	$0	3,973
Total noninterest income	$180,000	4,523
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$71,000	4,235
Trading account gains and fees	NA	NA
Additional Noninterest Income	$109,000	4,369
Total noninterest expense	$5,647,000	2,800
Salaries and employee benefits	$3,195,000	2,816
Premises and equipment expense	$683,000	2,583
Additional noninterest expense	$1,769,000	2,774
Pre-tax net operating income	$4,903,000	1,784
Securities gains (losses)	$792,000	265
Applicable income taxes	$718,000	1,687
Income before extraordinary items	$4,977,000	1,611
Extraordinary gains, net	$0	11
Net income	$4,977,000	1,613
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,977,000	1,613
Net charge-offs	$-2,000	4,221
Cash dividends	$1,625,000	1,789
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$4,287,960	1,754
2019-09-30 (YTD Data)		Rank
Total interest income	$10,287,000	2,100
Total interest expense	$2,558,000	1,677
Net interest income	$7,729,000	2,214
Provision for loan and lease losses	$0	3,836
Total noninterest income	$157,000	4,482
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$52,000	4,313
Trading account gains and fees	NA	NA
Additional Noninterest Income	$105,000	4,264
Total noninterest expense	$4,271,000	2,798
Salaries and employee benefits	$2,348,000	2,864
Premises and equipment expense	$535,000	2,524
Additional noninterest expense	$1,388,000	2,702
Pre-tax net operating income	$3,615,000	1,844
Securities gains (losses)	$792,000	235
Applicable income taxes	$570,000	1,689
Income before extraordinary items	$3,837,000	1,592
Extraordinary gains, net	$0	11
Net income	$3,837,000	1,593
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,837,000	1,593
Net charge-offs	$-1,000	3,994
Cash dividends	$1,609,000	1,395
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$3,147,960	1,834
2019-06-30 (YTD Data)		Rank
Total interest income	$6,803,000	2,105
Total interest expense	$1,687,000	1,658
Net interest income	$5,116,000	2,235
Provision for loan and lease losses	$0	3,685
Total noninterest income	$94,000	4,588
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$34,000	4,349
Trading account gains and fees	NA	NA
Additional Noninterest Income	$60,000	4,386
Total noninterest expense	$2,755,000	2,862
Salaries and employee benefits	$1,509,000	2,951
Premises and equipment expense	$334,000	2,629
Additional noninterest expense	$912,000	2,754
Pre-tax net operating income	$2,455,000	1,815
Securities gains (losses)	$792,000	169
Applicable income taxes	$441,000	1,549
Income before extraordinary items	$2,806,000	1,463
Extraordinary gains, net	$0	11
Net income	$2,806,000	1,462
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,806,000	1,463
Net charge-offs	$1,000	3,090
Cash dividends	$800,000	1,636
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,124,880	1,794
2019-03-31 (YTD Data)		Rank
Total interest income	$3,395,000	2,100
Total interest expense	$826,000	1,632
Net interest income	$2,569,000	2,222
Provision for loan and lease losses	$0	3,406
Total noninterest income	$38,000	4,739
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$17,000	4,375
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	4,603
Total noninterest expense	$1,406,000	2,855
Salaries and employee benefits	$745,000	2,997
Premises and equipment expense	$170,000	2,634
Additional noninterest expense	$491,000	2,626
Pre-tax net operating income	$1,201,000	1,804
Securities gains (losses)	$25,000	528
Applicable income taxes	$139,000	1,896
Income before extraordinary items	$1,087,000	1,750
Extraordinary gains, net	$0	5
Net income	$1,087,000	1,748
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,087,000	1,749
Net charge-offs	$-1,000	3,818
Cash dividends	$709,000	1,063
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,064,750	1,760
2018-12-31 (YTD Data)		Rank
Total interest income	$13,111,000	2,069
Total interest expense	$2,909,000	1,466
Net interest income	$10,202,000	2,205
Provision for loan and lease losses	$179,000	2,502
Total noninterest income	$200,000	4,641
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$80,000	4,338
Trading account gains and fees	NA	NA
Additional Noninterest Income	$120,000	4,468
Total noninterest expense	$4,963,000	3,068
Salaries and employee benefits	$2,784,000	3,087
Premises and equipment expense	$636,000	2,729
Additional noninterest expense	$1,543,000	3,119
Pre-tax net operating income	$5,260,000	1,723
Securities gains (losses)	$485,000	127
Applicable income taxes	$739,000	1,642
Income before extraordinary items	$5,006,000	1,582
Extraordinary gains, net	$0	6
Net income	$5,006,000	1,581
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,006,000	1,581
Net charge-offs	$226,000	1,544
Cash dividends	$2,200,000	1,373
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$4,584,050	1,683
2018-09-30 (YTD Data)		Rank
Total interest income	$9,713,000	2,076
Total interest expense	$2,105,000	1,437
Net interest income	$7,608,000	2,220
Provision for loan and lease losses	$0	3,948
Total noninterest income	$156,000	4,664
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$57,000	4,433
Trading account gains and fees	NA	NA
Additional Noninterest Income	$99,000	4,450
Total noninterest expense	$3,691,000	3,090
Salaries and employee benefits	$2,049,000	3,122
Premises and equipment expense	$486,000	2,724
Additional noninterest expense	$1,156,000	3,121
Pre-tax net operating income	$4,073,000	1,669
Securities gains (losses)	$462,000	131
Applicable income taxes	$604,000	1,631
Income before extraordinary items	$3,931,000	1,543
Extraordinary gains, net	$0	5
Net income	$3,931,000	1,542
Minority interest net income	$0	66
Net income of bank and minority interests.	$3,931,000	1,542
Net charge-offs	$2,000	3,345
Cash dividends	$1,444,000	1,345
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$3,529,060	1,656
2018-06-30 (YTD Data)		Rank
Total interest income	$6,393,000	2,076
Total interest expense	$1,337,000	1,417
Net interest income	$5,056,000	2,217
Provision for loan and lease losses	$0	3,782
Total noninterest income	$102,000	4,734
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$36,000	4,534
Trading account gains and fees	NA	NA
Additional Noninterest Income	$66,000	4,494
Total noninterest expense	$2,449,000	3,120
Salaries and employee benefits	$1,343,000	3,175
Premises and equipment expense	$310,000	2,810
Additional noninterest expense	$796,000	3,066
Pre-tax net operating income	$2,709,000	1,642
Securities gains (losses)	$440,000	112
Applicable income taxes	$432,000	1,536
Income before extraordinary items	$2,717,000	1,456
Extraordinary gains, net	$0	6
Net income	$2,717,000	1,456
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,717,000	1,455
Net charge-offs	$-7,000	4,412
Cash dividends	$637,000	1,723
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$2,338,600	1,651
2018-03-31 (YTD Data)		Rank
Total interest income	$3,164,000	2,091
Total interest expense	$645,000	1,401
Net interest income	$2,519,000	2,229
Provision for loan and lease losses	$0	3,508
Total noninterest income	$52,000	4,742
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$18,000	4,565
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	4,490
Total noninterest expense	$1,292,000	3,056
Salaries and employee benefits	$654,000	3,249
Premises and equipment expense	$154,000	2,870
Additional noninterest expense	$484,000	2,696
Pre-tax net operating income	$1,279,000	1,697
Securities gains (losses)	$0	735
Applicable income taxes	$153,000	1,810
Income before extraordinary items	$1,126,000	1,670
Extraordinary gains, net	$0	7
Net income	$1,126,000	1,670
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,126,000	1,670
Net charge-offs	$-1,000	3,770
Cash dividends	$637,000	1,007
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$1,126,000	1,657
2017-12-31 (YTD Data)		Rank
Total interest income	$12,507,000	2,059
Total interest expense	$2,468,000	1,305
Net interest income	$10,039,000	2,220
Provision for loan and lease losses	$81,000	3,241
Total noninterest income	$189,000	4,881
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$75,000	4,639
Trading account gains and fees	NA	NA
Additional Noninterest Income	$114,000	4,696
Total noninterest expense	$4,838,000	3,152
Salaries and employee benefits	$2,579,000	3,270
Premises and equipment expense	$599,000	2,924
Additional noninterest expense	$1,660,000	3,012
Pre-tax net operating income	$5,309,000	1,635
Securities gains (losses)	$0	2,243
Applicable income taxes	$1,350,000	1,621
Income before extraordinary items	$3,959,000	1,621
Extraordinary gains, net	$0	9
Net income	$3,959,000	1,621
Minority interest net income	$0	76
Net income of bank and minority interests.	$3,959,000	1,621
Net charge-offs	$-7,000	4,728
Cash dividends	$1,336,000	1,845
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$3,959,000	1,602
2017-09-30 (YTD Data)		Rank
Total interest income	$9,349,000	2,064
Total interest expense	$1,827,000	1,299
Net interest income	$7,522,000	2,230
Provision for loan and lease losses	$124,000	2,483
Total noninterest income	$200,000	4,668
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$55,000	4,699
Trading account gains and fees	NA	NA
Additional Noninterest Income	$145,000	4,296
Total noninterest expense	$3,691,000	3,136
Salaries and employee benefits	$1,950,000	3,270
Premises and equipment expense	$452,000	2,947
Additional noninterest expense	$1,289,000	2,949
Pre-tax net operating income	$3,907,000	1,680
Securities gains (losses)	$0	2,274
Applicable income taxes	$773,000	1,698
Income before extraordinary items	$3,134,000	1,676
Extraordinary gains, net	$0	9
Net income	$3,134,000	1,677
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,134,000	1,677
Net charge-offs	$48,000	2,490
Cash dividends	$1,336,000	1,417
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$3,134,000	1,655
2017-06-30 (YTD Data)		Rank
Total interest income	$6,188,000	2,060
Total interest expense	$1,199,000	1,277
Net interest income	$4,989,000	2,222
Provision for loan and lease losses	$57,000	2,759
Total noninterest income	$146,000	4,598
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$34,000	4,802
Trading account gains and fees	NA	NA
Additional Noninterest Income	$112,000	4,163
Total noninterest expense	$2,509,000	3,121
Salaries and employee benefits	$1,314,000	3,268
Premises and equipment expense	$277,000	3,105
Additional noninterest expense	$918,000	2,831
Pre-tax net operating income	$2,569,000	1,666
Securities gains (losses)	$0	1,906
Applicable income taxes	$506,000	1,685
Income before extraordinary items	$2,063,000	1,664
Extraordinary gains, net	$0	11
Net income	$2,063,000	1,663
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,063,000	1,664
Net charge-offs	$49,000	2,013
Cash dividends	$650,000	1,716
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$2,063,000	1,646
2017-03-31 (YTD Data)		Rank
Total interest income	$3,028,000	2,096
Total interest expense	$585,000	1,276
Net interest income	$2,443,000	2,262
Provision for loan and lease losses	$26,000	2,637
Total noninterest income	$95,000	4,336
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$18,000	4,751
Trading account gains and fees	NA	NA
Additional Noninterest Income	$77,000	3,824
Total noninterest expense	$1,297,000	3,100
Salaries and employee benefits	$677,000	3,245
Premises and equipment expense	$134,000	3,212
Additional noninterest expense	$486,000	2,723
Pre-tax net operating income	$1,215,000	1,704
Securities gains (losses)	$0	1,153
Applicable income taxes	$230,000	1,736
Income before extraordinary items	$985,000	1,692
Extraordinary gains, net	$0	8
Net income	$985,000	1,692
Minority interest net income	$0	55
Net income of bank and minority interests.	$985,000	1,692
Net charge-offs	$17,000	1,973
Cash dividends	$637,000	1,024
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$985,000	1,678
2016-12-31 (YTD Data)		Rank
Total interest income	$12,799,000	1,961
Total interest expense	$2,409,000	1,195
Net interest income	$10,390,000	2,111
Provision for loan and lease losses	$0	4,332
Total noninterest income	$263,000	4,802
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$76,000	4,828
Trading account gains and fees	$0	170
Additional Noninterest Income	$187,000	4,416
Total noninterest expense	$4,720,000	3,301
Salaries and employee benefits	$2,380,000	3,503
Premises and equipment expense	$590,000	3,053
Additional noninterest expense	$1,750,000	3,016
Pre-tax net operating income	$5,933,000	1,411
Securities gains (losses)	$8,000	2,738
Applicable income taxes	$1,328,000	1,375
Income before extraordinary items	$4,613,000	1,479
Extraordinary gains, net	$0	5
Net income	$4,613,000	1,478
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,613,000	1,478
Net charge-offs	$56,000	3,055
Cash dividends	$1,400,000	1,780
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$4,606,760	1,454
2016-09-30 (YTD Data)		Rank
Total interest income	$9,661,000	1,955
Total interest expense	$1,817,000	1,186
Net interest income	$7,844,000	2,098
Provision for loan and lease losses	$0	4,186
Total noninterest income	$148,000	5,112
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$54,000	4,921
Trading account gains and fees	$0	169
Additional Noninterest Income	$94,000	4,851
Total noninterest expense	$3,611,000	3,259
Salaries and employee benefits	$1,789,000	3,486
Premises and equipment expense	$442,000	3,061
Additional noninterest expense	$1,380,000	2,914
Pre-tax net operating income	$4,381,000	1,452
Securities gains (losses)	$8,000	2,659
Applicable income taxes	$978,000	1,430
Income before extraordinary items	$3,411,000	1,517
Extraordinary gains, net	$0	5
Net income	$3,411,000	1,516
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,411,000	1,517
Net charge-offs	$38,000	2,761
Cash dividends	$1,379,000	1,364
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$3,404,760	1,480
2016-06-30 (YTD Data)		Rank
Total interest income	$6,325,000	1,992
Total interest expense	$1,216,000	1,175
Net interest income	$5,109,000	2,138
Provision for loan and lease losses	$0	4,017
Total noninterest income	$88,000	5,255
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$35,000	4,975
Trading account gains and fees	$0	157
Additional Noninterest Income	$53,000	5,008
Total noninterest expense	$2,373,000	3,316
Salaries and employee benefits	$1,174,000	3,550
Premises and equipment expense	$267,000	3,280
Additional noninterest expense	$932,000	2,889
Pre-tax net operating income	$2,824,000	1,477
Securities gains (losses)	$0	2,835
Applicable income taxes	$624,000	1,465
Income before extraordinary items	$2,200,000	1,538
Extraordinary gains, net	$0	16
Net income	$2,200,000	1,537
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,200,000	1,538
Net charge-offs	$29,000	2,534
Cash dividends	$650,000	1,696
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$2,200,000	1,498
2016-03-31 (YTD Data)		Rank
Total interest income	$3,163,000	1,985
Total interest expense	$616,000	1,153
Net interest income	$2,547,000	2,148
Provision for loan and lease losses	$0	3,656
Total noninterest income	$46,000	5,218
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$19,000	4,895
Trading account gains and fees	$0	142
Additional Noninterest Income	$27,000	5,014
Total noninterest expense	$1,224,000	3,269
Salaries and employee benefits	$578,000	3,603
Premises and equipment expense	$133,000	3,327
Additional noninterest expense	$513,000	2,722
Pre-tax net operating income	$1,369,000	1,485
Securities gains (losses)	$0	2,077
Applicable income taxes	$300,000	1,483
Income before extraordinary items	$1,069,000	1,531
Extraordinary gains, net	$0	12
Net income	$1,069,000	1,532
Minority interest net income	$0	62
Net income of bank and minority interests.	$1,069,000	1,532
Net charge-offs	$25,000	1,853
Cash dividends	$650,000	1,012
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,069,000	1,496
2015-12-31 (YTD Data)		Rank
Total interest income	$12,666,000	1,942
Total interest expense	$2,444,000	1,137
Net interest income	$10,222,000	2,086
Provision for loan and lease losses	$354,000	1,738
Total noninterest income	$225,000	5,106
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$83,000	4,928
Trading account gains and fees	$0	159
Additional Noninterest Income	$142,000	4,804
Total noninterest expense	$4,413,000	3,495
Salaries and employee benefits	$2,273,000	3,642
Premises and equipment expense	$527,000	3,373
Additional noninterest expense	$1,613,000	3,256
Pre-tax net operating income	$5,680,000	1,418
Securities gains (losses)	$0	3,216
Applicable income taxes	$1,293,000	1,353
Income before extraordinary items	$4,387,000	1,506
Extraordinary gains, net	$0	23
Net income	$4,387,000	1,506
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,387,000	1,506
Net charge-offs	$207,000	1,955
Cash dividends	$1,464,000	1,678
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$4,387,000	1,480
2015-09-30 (YTD Data)		Rank
Total interest income	$9,529,000	1,951
Total interest expense	$1,822,000	1,159
Net interest income	$7,707,000	2,095
Provision for loan and lease losses	$223,000	1,863
Total noninterest income	$160,000	5,213
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$60,000	5,018
Trading account gains and fees	$0	153
Additional Noninterest Income	$100,000	4,899
Total noninterest expense	$3,363,000	3,489
Salaries and employee benefits	$1,705,000	3,656
Premises and equipment expense	$440,000	3,193
Additional noninterest expense	$1,218,000	3,253
Pre-tax net operating income	$4,281,000	1,443
Securities gains (losses)	$0	3,031
Applicable income taxes	$973,000	1,397
Income before extraordinary items	$3,308,000	1,513
Extraordinary gains, net	$0	21
Net income	$3,308,000	1,514
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,308,000	1,514
Net charge-offs	$116,000	2,022
Cash dividends	$1,464,000	1,241
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$3,308,000	1,475
2015-06-30 (YTD Data)		Rank
Total interest income	$6,261,000	1,976
Total interest expense	$1,199,000	1,175
Net interest income	$5,062,000	2,119
Provision for loan and lease losses	$134,000	1,923
Total noninterest income	$106,000	5,242
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$39,000	5,068
Trading account gains and fees	$0	157
Additional Noninterest Income	$67,000	4,933
Total noninterest expense	$2,282,000	3,481
Salaries and employee benefits	$1,131,000	3,689
Premises and equipment expense	$287,000	3,261
Additional noninterest expense	$864,000	3,147
Pre-tax net operating income	$2,752,000	1,479
Securities gains (losses)	$0	2,636
Applicable income taxes	$619,000	1,441
Income before extraordinary items	$2,133,000	1,532
Extraordinary gains, net	$0	22
Net income	$2,133,000	1,534
Minority interest net income	$0	75
Net income of bank and minority interests.	$2,133,000	1,534
Net charge-offs	$99,000	1,743
Cash dividends	$807,000	1,441
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$2,133,000	1,497
2015-03-31 (YTD Data)		Rank
Total interest income	$3,099,000	1,983
Total interest expense	$591,000	1,191
Net interest income	$2,508,000	2,125
Provision for loan and lease losses	$109,000	1,365
Total noninterest income	$55,000	5,210
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$20,000	5,051
Trading account gains and fees	$0	152
Additional Noninterest Income	$35,000	4,901
Total noninterest expense	$1,117,000	3,558
Salaries and employee benefits	$563,000	3,734
Premises and equipment expense	$147,000	3,236
Additional noninterest expense	$407,000	3,258
Pre-tax net operating income	$1,337,000	1,471
Securities gains (losses)	$0	2,027
Applicable income taxes	$296,000	1,455
Income before extraordinary items	$1,041,000	1,540
Extraordinary gains, net	$0	13
Net income	$1,041,000	1,541
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,041,000	1,542
Net charge-offs	$92,000	1,171
Cash dividends	$807,000	791
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$1,041,000	1,486
2014-12-31 (YTD Data)		Rank
Total interest income	$12,450,000	1,978
Total interest expense	$2,312,000	1,252
Net interest income	$10,138,000	2,098
Provision for loan and lease losses	$783,000	1,036
Total noninterest income	$292,000	5,022
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$95,000	5,066
Trading account gains and fees	$0	180
Additional Noninterest Income	$197,000	4,554
Total noninterest expense	$4,459,000	3,567
Salaries and employee benefits	$2,174,000	3,816
Premises and equipment expense	$579,000	3,313
Additional noninterest expense	$1,706,000	3,241
Pre-tax net operating income	$5,188,000	1,467
Securities gains (losses)	$2,000	3,069
Applicable income taxes	$1,149,000	1,411
Income before extraordinary items	$4,041,000	1,578
Extraordinary gains, net	$0	17
Net income	$4,041,000	1,576
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,041,000	1,577
Net charge-offs	$525,000	1,416
Cash dividends	$1,800,000	1,386
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$4,039,440	1,545
2014-09-30 (YTD Data)		Rank
Total interest income	$9,332,000	1,993
Total interest expense	$1,715,000	1,285
Net interest income	$7,617,000	2,107
Provision for loan and lease losses	$763,000	834
Total noninterest income	$233,000	5,007
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$70,000	5,165
Trading account gains and fees	$0	174
Additional Noninterest Income	$163,000	4,473
Total noninterest expense	$3,365,000	3,574
Salaries and employee benefits	$1,625,000	3,839
Premises and equipment expense	$459,000	3,230
Additional noninterest expense	$1,281,000	3,246
Pre-tax net operating income	$3,722,000	1,542
Securities gains (losses)	$2,000	2,770
Applicable income taxes	$805,000	1,509
Income before extraordinary items	$2,919,000	1,620
Extraordinary gains, net	$0	15
Net income	$2,919,000	1,620
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,919,000	1,620
Net charge-offs	$517,000	1,130
Cash dividends	$1,644,000	1,096
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,917,440	1,597
2014-06-30 (YTD Data)		Rank
Total interest income	$6,221,000	1,985
Total interest expense	$1,134,000	1,303
Net interest income	$5,087,000	2,086
Provision for loan and lease losses	$58,000	2,911
Total noninterest income	$170,000	4,896
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$45,000	5,223
Trading account gains and fees	$0	172
Additional Noninterest Income	$125,000	4,276
Total noninterest expense	$2,231,000	3,605
Salaries and employee benefits	$1,086,000	3,846
Premises and equipment expense	$297,000	3,314
Additional noninterest expense	$848,000	3,276
Pre-tax net operating income	$2,968,000	1,292
Securities gains (losses)	$0	2,580
Applicable income taxes	$704,000	1,249
Income before extraordinary items	$2,264,000	1,378
Extraordinary gains, net	$0	20
Net income	$2,264,000	1,378
Minority interest net income	$0	80
Net income of bank and minority interests.	$2,264,000	1,380
Net charge-offs	$9,000	3,772
Cash dividends	$1,000,000	1,145
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$2,264,000	1,359
2014-03-31 (YTD Data)		Rank
Total interest income	$3,062,000	2,008
Total interest expense	$562,000	1,341
Net interest income	$2,500,000	2,110
Provision for loan and lease losses	$0	3,817
Total noninterest income	$58,000	5,344
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$21,000	5,305
Trading account gains and fees	$0	147
Additional Noninterest Income	$37,000	4,923
Total noninterest expense	$1,083,000	3,704
Salaries and employee benefits	$549,000	3,864
Premises and equipment expense	$141,000	3,491
Additional noninterest expense	$393,000	3,448
Pre-tax net operating income	$1,475,000	1,265
Securities gains (losses)	$0	1,715
Applicable income taxes	$351,000	1,193
Income before extraordinary items	$1,124,000	1,352
Extraordinary gains, net	$0	16
Net income	$1,124,000	1,354
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,124,000	1,354
Net charge-offs	$7,000	2,989
Cash dividends	$847,000	701
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,124,000	1,323
2013-12-31 (YTD Data)		Rank
Total interest income	$12,384,000	2,003
Total interest expense	$2,747,000	1,232
Net interest income	$9,637,000	2,165
Provision for loan and lease losses	$254,000	2,665
Total noninterest income	$331,000	5,013
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$99,000	5,274
Trading account gains and fees	$0	184
Additional Noninterest Income	$232,000	4,412
Total noninterest expense	$4,198,000	3,808
Salaries and employee benefits	$2,003,000	4,070
Premises and equipment expense	$579,000	3,389
Additional noninterest expense	$1,616,000	3,457
Pre-tax net operating income	$5,516,000	1,331
Securities gains (losses)	$9,000	2,663
Applicable income taxes	$1,267,000	1,259
Income before extraordinary items	$4,258,000	1,414
Extraordinary gains, net	$0	29
Net income	$4,258,000	1,417
Minority interest net income	$0	90
Net income of bank and minority interests.	$4,258,000	1,417
Net charge-offs	$163,000	3,246
Cash dividends	$1,450,000	1,522
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$4,251,070	1,400
2013-09-30 (YTD Data)		Rank
Total interest income	$9,213,000	2,014
Total interest expense	$2,136,000	1,231
Net interest income	$7,077,000	2,216
Provision for loan and lease losses	$135,000	3,044
Total noninterest income	$261,000	5,016
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$72,000	5,353
Trading account gains and fees	$0	180
Additional Noninterest Income	$189,000	4,370
Total noninterest expense	$3,114,000	3,855
Salaries and employee benefits	$1,502,000	4,088
Premises and equipment expense	$412,000	3,539
Additional noninterest expense	$1,200,000	3,491
Pre-tax net operating income	$4,089,000	1,364
Securities gains (losses)	$9,000	2,535
Applicable income taxes	$935,000	1,314
Income before extraordinary items	$3,163,000	1,432
Extraordinary gains, net	$0	25
Net income	$3,163,000	1,434
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,163,000	1,434
Net charge-offs	$107,000	3,191
Cash dividends	$1,451,000	1,129
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$3,156,070	1,406
2013-06-30 (YTD Data)		Rank
Total interest income	$6,145,000	2,015
Total interest expense	$1,461,000	1,225
Net interest income	$4,684,000	2,223
Provision for loan and lease losses	$75,000	3,208
Total noninterest income	$195,000	4,880
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$45,000	5,441
Trading account gains and fees	$0	157
Additional Noninterest Income	$150,000	4,216
Total noninterest expense	$2,001,000	3,958
Salaries and employee benefits	$1,000,000	4,112
Premises and equipment expense	$247,000	3,810
Additional noninterest expense	$754,000	3,643
Pre-tax net operating income	$2,803,000	1,312
Securities gains (losses)	$9,000	2,315
Applicable income taxes	$649,000	1,265
Income before extraordinary items	$2,163,000	1,401
Extraordinary gains, net	$0	22
Net income	$2,163,000	1,404
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,163,000	1,404
Net charge-offs	$79,000	2,972
Cash dividends	$900,000	1,174
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$2,156,070	1,343
2013-03-31 (YTD Data)		Rank
Total interest income	$3,092,000	2,027
Total interest expense	$749,000	1,232
Net interest income	$2,343,000	2,241
Provision for loan and lease losses	$56,000	2,725
Total noninterest income	$62,000	5,499
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$24,000	5,346
Trading account gains and fees	$0	148
Additional Noninterest Income	$38,000	5,041
Total noninterest expense	$961,000	4,087
Salaries and employee benefits	$506,000	4,127
Premises and equipment expense	$119,000	3,917
Additional noninterest expense	$336,000	3,955
Pre-tax net operating income	$1,388,000	1,306
Securities gains (losses)	$5,000	1,643
Applicable income taxes	$319,000	1,271
Income before extraordinary items	$1,074,000	1,378
Extraordinary gains, net	$0	10
Net income	$1,074,000	1,380
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,074,000	1,380
Net charge-offs	$28,000	2,842
Cash dividends	$752,000	683
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$1,070,150	1,332
2012-12-31 (YTD Data)		Rank
Total interest income	$13,006,000	2,024
Total interest expense	$3,512,000	1,277
Net interest income	$9,494,000	2,259
Provision for loan and lease losses	$240,000	3,678
Total noninterest income	$250,000	5,458
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$113,000	5,251
Trading account gains and fees	$0	166
Additional Noninterest Income	$137,000	5,025
Total noninterest expense	$3,842,000	4,148
Salaries and employee benefits	$1,844,000	4,334
Premises and equipment expense	$510,000	3,774
Additional noninterest expense	$1,488,000	3,813
Pre-tax net operating income	$5,662,000	1,227
Securities gains (losses)	$-103,000	6,896
Applicable income taxes	$1,264,000	1,243
Income before extraordinary items	$4,295,000	1,369
Extraordinary gains, net	$0	29
Net income	$4,295,000	1,370
Minority interest net income	$0	93
Net income of bank and minority interests.	$4,295,000	1,370
Net charge-offs	$12,000	5,553
Cash dividends	$1,800,000	1,309
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$4,374,310	1,281
2012-09-30 (YTD Data)		Rank
Total interest income	$9,788,000	2,047
Total interest expense	$2,709,000	1,303
Net interest income	$7,079,000	2,307
Provision for loan and lease losses	$135,000	4,004
Total noninterest income	$198,000	5,433
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$84,000	5,339
Trading account gains and fees	$0	157
Additional Noninterest Income	$114,000	4,955
Total noninterest expense	$2,851,000	4,193
Salaries and employee benefits	$1,373,000	4,376
Premises and equipment expense	$388,000	3,786
Additional noninterest expense	$1,090,000	3,883
Pre-tax net operating income	$4,291,000	1,250
Securities gains (losses)	$-104,000	7,020
Applicable income taxes	$958,000	1,270
Income before extraordinary items	$3,229,000	1,396
Extraordinary gains, net	$0	20
Net income	$3,229,000	1,396
Minority interest net income	$0	86
Net income of bank and minority interests.	$3,229,000	1,397
Net charge-offs	$22,000	5,017
Cash dividends	$1,614,000	941
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$3,309,080	1,291
2012-06-30 (YTD Data)		Rank
Total interest income	$6,564,000	2,041
Total interest expense	$1,857,000	1,310
Net interest income	$4,707,000	2,317
Provision for loan and lease losses	$93,000	3,949
Total noninterest income	$135,000	5,448
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$56,000	5,348
Trading account gains and fees	$0	153
Additional Noninterest Income	$79,000	4,954
Total noninterest expense	$1,822,000	4,322
Salaries and employee benefits	$916,000	4,395
Premises and equipment expense	$241,000	3,964
Additional noninterest expense	$665,000	4,133
Pre-tax net operating income	$2,927,000	1,222
Securities gains (losses)	$-104,000	7,101
Applicable income taxes	$655,000	1,236
Income before extraordinary items	$2,168,000	1,368
Extraordinary gains, net	$0	19
Net income	$2,168,000	1,368
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,168,000	1,368
Net charge-offs	$22,000	4,582
Cash dividends	$1,100,000	893
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$2,248,080	1,247
2012-03-31 (YTD Data)		Rank
Total interest income	$3,297,000	2,046
Total interest expense	$950,000	1,331
Net interest income	$2,347,000	2,338
Provision for loan and lease losses	$34,000	4,043
Total noninterest income	$68,000	5,483
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$27,000	5,391
Trading account gains and fees	$0	148
Additional Noninterest Income	$41,000	4,998
Total noninterest expense	$889,000	4,414
Salaries and employee benefits	$455,000	4,437
Premises and equipment expense	$115,000	4,086
Additional noninterest expense	$319,000	4,223
Pre-tax net operating income	$1,492,000	1,173
Securities gains (losses)	$-108,000	7,208
Applicable income taxes	$320,000	1,238
Income before extraordinary items	$1,064,000	1,367
Extraordinary gains, net	$0	19
Net income	$1,064,000	1,367
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,064,000	1,368
Net charge-offs	$0	4,730
Cash dividends	$700,000	659
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$1,147,160	1,201
2011-12-31 (YTD Data)		Rank
Total interest income	$13,125,000	2,118
Total interest expense	$4,304,000	1,409
Net interest income	$8,821,000	2,492
Provision for loan and lease losses	$224,000	4,515
Total noninterest income	$233,000	5,546
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$116,000	5,312
Trading account gains and fees	$0	146
Additional Noninterest Income	$117,000	5,151
Total noninterest expense	$3,655,000	4,377
Salaries and employee benefits	$1,689,000	4,627
Premises and equipment expense	$503,000	4,027
Additional noninterest expense	$1,463,000	3,921
Pre-tax net operating income	$5,175,000	1,147
Securities gains (losses)	$-48,000	7,015
Applicable income taxes	$1,186,000	1,192
Income before extraordinary items	$3,941,000	1,271
Extraordinary gains, net	$0	29
Net income	$3,941,000	1,271
Minority interest net income	$0	96
Net income of bank and minority interests.	$3,941,000	1,271
Net charge-offs	$4,000	6,264
Cash dividends	$2,609,000	747
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$3,977,960	1,182
2011-09-30 (YTD Data)		Rank
Total interest income	$9,830,000	2,150
Total interest expense	$3,293,000	1,440
Net interest income	$6,537,000	2,539
Provision for loan and lease losses	$174,000	4,348
Total noninterest income	$167,000	5,701
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$84,000	5,397
Trading account gains and fees	$0	145
Additional Noninterest Income	$83,000	5,297
Total noninterest expense	$2,703,000	4,417
Salaries and employee benefits	$1,269,000	4,635
Premises and equipment expense	$385,000	4,015
Additional noninterest expense	$1,049,000	4,046
Pre-tax net operating income	$3,827,000	1,208
Securities gains (losses)	$-53,000	7,156
Applicable income taxes	$875,000	1,200
Income before extraordinary items	$2,899,000	1,334
Extraordinary gains, net	$0	21
Net income	$2,899,000	1,334
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,899,000	1,334
Net charge-offs	$4,000	5,984
Cash dividends	$2,609,000	510
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,939,810	1,245
2011-06-30 (YTD Data)		Rank
Total interest income	$6,529,000	2,182
Total interest expense	$2,227,000	1,464
Net interest income	$4,302,000	2,561
Provision for loan and lease losses	$108,000	4,320
Total noninterest income	$104,000	5,807
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$52,000	5,486
Trading account gains and fees	$0	153
Additional Noninterest Income	$52,000	5,412
Total noninterest expense	$1,776,000	4,499
Salaries and employee benefits	$846,000	4,666
Premises and equipment expense	$246,000	4,157
Additional noninterest expense	$684,000	4,178
Pre-tax net operating income	$2,522,000	1,175
Securities gains (losses)	$-56,000	7,248
Applicable income taxes	$565,000	1,212
Income before extraordinary items	$1,901,000	1,323
Extraordinary gains, net	$0	15
Net income	$1,901,000	1,323
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,901,000	1,323
Net charge-offs	$-1,000	6,559
Cash dividends	$800,000	975
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,944,120	1,230
2011-03-31 (YTD Data)		Rank
Total interest income	$3,248,000	2,204
Total interest expense	$1,125,000	1,512
Net interest income	$2,123,000	2,586
Provision for loan and lease losses	$87,000	3,570
Total noninterest income	$55,000	5,823
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$25,000	5,503
Trading account gains and fees	$0	158
Additional Noninterest Income	$30,000	5,389
Total noninterest expense	$881,000	4,532
Salaries and employee benefits	$420,000	4,723
Premises and equipment expense	$122,000	4,237
Additional noninterest expense	$339,000	4,187
Pre-tax net operating income	$1,210,000	1,205
Securities gains (losses)	$-28,000	7,277
Applicable income taxes	$263,000	1,241
Income before extraordinary items	$919,000	1,327
Extraordinary gains, net	$0	9
Net income	$919,000	1,327
Minority interest net income	$0	86
Net income of bank and minority interests.	$919,000	1,327
Net charge-offs	$-1,000	6,209
Cash dividends	$669,000	568
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$940,840	1,269
2010-12-31 (YTD Data)		Rank
Total interest income	$13,493,000	2,236
Total interest expense	$4,878,000	1,687
Net interest income	$8,615,000	2,550
Provision for loan and lease losses	$368,000	4,564
Total noninterest income	$241,000	5,717
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$113,000	5,328
Trading account gains and fees	$0	175
Additional Noninterest Income	$128,000	5,150
Total noninterest expense	$3,385,000	4,686
Salaries and employee benefits	$1,594,000	4,894
Premises and equipment expense	$477,000	4,307
Additional noninterest expense	$1,314,000	4,363
Pre-tax net operating income	$5,103,000	1,013
Securities gains (losses)	$-524,000	7,432
Applicable income taxes	$1,038,000	1,187
Income before extraordinary items	$3,541,000	1,211
Extraordinary gains, net	$0	29
Net income	$3,541,000	1,212
Minority interest net income	$0	111
Net income of bank and minority interests.	$3,541,000	1,214
Net charge-offs	$83,000	5,567
Cash dividends	$2,100,000	776
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$3,944,480	1,053
2010-09-30 (YTD Data)		Rank
Total interest income	$10,173,000	2,270
Total interest expense	$3,700,000	1,723
Net interest income	$6,473,000	2,577
Provision for loan and lease losses	$274,000	4,443
Total noninterest income	$177,000	5,861
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$82,000	5,451
Trading account gains and fees	$0	165
Additional Noninterest Income	$95,000	5,272
Total noninterest expense	$2,514,000	4,726
Salaries and employee benefits	$1,195,000	4,933
Premises and equipment expense	$365,000	4,312
Additional noninterest expense	$954,000	4,441
Pre-tax net operating income	$3,862,000	1,062
Securities gains (losses)	$-105,000	7,408
Applicable income taxes	$904,000	1,083
Income before extraordinary items	$2,853,000	1,181
Extraordinary gains, net	$0	23
Net income	$2,853,000	1,185
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,853,000	1,185
Net charge-offs	$72,000	5,224
Cash dividends	$1,647,000	656
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$2,932,800	1,108
2010-06-30 (YTD Data)		Rank
Total interest income	$6,765,000	2,310
Total interest expense	$2,484,000	1,777
Net interest income	$4,281,000	2,591
Provision for loan and lease losses	$120,000	4,894
Total noninterest income	$118,000	5,853
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$52,000	5,529
Trading account gains and fees	$0	152
Additional Noninterest Income	$66,000	5,236
Total noninterest expense	$1,641,000	4,787
Salaries and employee benefits	$797,000	4,934
Premises and equipment expense	$232,000	4,464
Additional noninterest expense	$612,000	4,531
Pre-tax net operating income	$2,638,000	1,016
Securities gains (losses)	$-105,000	7,525
Applicable income taxes	$624,000	1,027
Income before extraordinary items	$1,909,000	1,171
Extraordinary gains, net	$0	19
Net income	$1,909,000	1,172
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,909,000	1,172
Net charge-offs	$36,000	5,141
Cash dividends	$1,050,000	669
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,987,750	1,076
2010-03-31 (YTD Data)		Rank
Total interest income	$3,263,000	2,440
Total interest expense	$1,245,000	1,854
Net interest income	$2,018,000	2,753
Provision for loan and lease losses	$30,000	5,300
Total noninterest income	$58,000	5,923
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$26,000	5,562
Trading account gains and fees	$0	175
Additional Noninterest Income	$32,000	5,362
Total noninterest expense	$826,000	4,823
Salaries and employee benefits	$400,000	5,006
Premises and equipment expense	$110,000	4,697
Additional noninterest expense	$316,000	4,444
Pre-tax net operating income	$1,220,000	1,081
Securities gains (losses)	$-114,000	7,714
Applicable income taxes	$262,000	1,164
Income before extraordinary items	$844,000	1,297
Extraordinary gains, net	$0	16
Net income	$844,000	1,300
Minority interest net income	$0	91
Net income of bank and minority interests.	$844,000	1,299
Net charge-offs	$34,000	4,045
Cash dividends	$516,000	642
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$930,640	1,149
2009-12-31 (YTD Data)		Rank
Total interest income	$13,471,000	2,479
Total interest expense	$5,474,000	2,080
Net interest income	$7,997,000	2,733
Provision for loan and lease losses	$84,000	6,566
Total noninterest income	$242,000	5,968
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$120,000	5,505
Trading account gains and fees	$0	211
Additional Noninterest Income	$122,000	5,386
Total noninterest expense	$3,268,000	4,929
Salaries and employee benefits	$1,446,000	5,305
Premises and equipment expense	$449,000	4,688
Additional noninterest expense	$1,373,000	4,328
Pre-tax net operating income	$4,887,000	855
Securities gains (losses)	$-649,000	7,632
Applicable income taxes	$987,000	971
Income before extraordinary items	$3,251,000	1,038
Extraordinary gains, net	$0	34
Net income	$3,251,000	1,034
Minority interest net income	$0	115
Net income of bank and minority interests.	$3,251,000	1,037
Net charge-offs	$16,000	6,746
Cash dividends	$2,300,000	783
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$3,750,730	916
2009-09-30 (YTD Data)		Rank
Total interest income	$10,053,000	2,521
Total interest expense	$4,176,000	2,134
Net interest income	$5,877,000	2,785
Provision for loan and lease losses	$61,000	6,395
Total noninterest income	$180,000	6,070
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$88,000	5,573
Trading account gains and fees	$0	212
Additional Noninterest Income	$92,000	5,504
Total noninterest expense	$2,444,000	4,946
Salaries and employee benefits	$1,087,000	5,329
Premises and equipment expense	$354,000	4,577
Additional noninterest expense	$1,003,000	4,371
Pre-tax net operating income	$3,552,000	938
Securities gains (losses)	$-527,000	7,763
Applicable income taxes	$684,000	1,109
Income before extraordinary items	$2,341,000	1,155
Extraordinary gains, net	$0	27
Net income	$2,341,000	1,155
Minority interest net income	$0	118
Net income of bank and minority interests.	$2,341,000	1,155
Net charge-offs	$14,000	6,396
Cash dividends	$2,215,000	574
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,746,790	972
2009-06-30 (YTD Data)		Rank
Total interest income	$6,658,000	2,569
Total interest expense	$2,801,000	2,214
Net interest income	$3,857,000	2,815
Provision for loan and lease losses	$1,000	7,143
Total noninterest income	$114,000	6,192
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$54,000	5,697
Trading account gains and fees	$0	193
Additional Noninterest Income	$60,000	5,582
Total noninterest expense	$1,642,000	4,966
Salaries and employee benefits	$722,000	5,398
Premises and equipment expense	$222,000	4,786
Additional noninterest expense	$698,000	4,272
Pre-tax net operating income	$2,328,000	977
Securities gains (losses)	$4,000	2,814
Applicable income taxes	$564,000	980
Income before extraordinary items	$1,768,000	1,080
Extraordinary gains, net	$0	21
Net income	$1,768,000	1,078
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,768,000	1,080
Net charge-offs	$7,000	6,140
Cash dividends	$950,000	973
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,764,960	1,049
2009-03-31 (YTD Data)		Rank
Total interest income	$3,275,000	2,639
Total interest expense	$1,404,000	2,274
Net interest income	$1,871,000	2,876
Provision for loan and lease losses	$0	6,744
Total noninterest income	$55,000	6,240
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$27,000	5,653
Trading account gains and fees	$0	171
Additional Noninterest Income	$28,000	5,720
Total noninterest expense	$793,000	4,980
Salaries and employee benefits	$363,000	5,434
Premises and equipment expense	$109,000	4,883
Additional noninterest expense	$321,000	4,191
Pre-tax net operating income	$1,133,000	1,125
Securities gains (losses)	$0	2,434
Applicable income taxes	$272,000	1,155
Income before extraordinary items	$861,000	1,274
Extraordinary gains, net	$0	15
Net income	$861,000	1,275
Minority interest net income	$0	102
Net income of bank and minority interests.	$861,000	1,276
Net charge-offs	$5,000	5,094
Cash dividends	$612,000	706
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$861,000	1,204
2008-12-31 (YTD Data)		Rank
Total interest income	$12,872,000	2,852
Total interest expense	$6,122,000	2,471
Net interest income	$6,750,000	3,163
Provision for loan and lease losses	$145,000	5,608
Total noninterest income	$259,000	6,080
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$130,000	5,544
Trading account gains and fees	$0	154
Additional Noninterest Income	$129,000	5,550
Total noninterest expense	$2,908,000	5,222
Salaries and employee benefits	$1,427,000	5,486
Premises and equipment expense	$423,000	4,937
Additional noninterest expense	$1,058,000	4,656
Pre-tax net operating income	$3,956,000	1,379
Securities gains (losses)	$7,000	2,644
Applicable income taxes	$863,000	1,332
Income before extraordinary items	$3,100,000	1,316
Extraordinary gains, net	$0	39
Net income	$3,100,000	1,317
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	6,793
Cash dividends	$1,107,000	2,156
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$3,094,540	1,422
2008-09-30 (YTD Data)		Rank
Total interest income	$9,596,000	2,918
Total interest expense	$4,637,000	2,540
Net interest income	$4,959,000	3,242
Provision for loan and lease losses	$68,000	5,598
Total noninterest income	$197,000	6,135
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$98,000	5,567
Trading account gains and fees	$0	148
Additional Noninterest Income	$99,000	5,644
Total noninterest expense	$2,150,000	5,246
Salaries and employee benefits	$1,062,000	5,511
Premises and equipment expense	$347,000	4,691
Additional noninterest expense	$741,000	4,780
Pre-tax net operating income	$2,938,000	1,662
Securities gains (losses)	$3,000	2,756
Applicable income taxes	$641,000	1,620
Income before extraordinary items	$2,300,000	1,577
Extraordinary gains, net	$0	31
Net income	$2,300,000	1,577
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	6,427
Cash dividends	$1,038,000	1,750
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,297,660	1,663
2008-06-30 (YTD Data)		Rank
Total interest income	$6,346,000	2,983
Total interest expense	$3,134,000	2,604
Net interest income	$3,212,000	3,309
Provision for loan and lease losses	$30,000	5,577
Total noninterest income	$125,000	6,299
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$62,000	5,653
Trading account gains and fees	$0	149
Additional Noninterest Income	$63,000	5,798
Total noninterest expense	$1,415,000	5,306
Salaries and employee benefits	$704,000	5,581
Premises and equipment expense	$220,000	4,869
Additional noninterest expense	$491,000	4,779
Pre-tax net operating income	$1,892,000	1,763
Securities gains (losses)	$2,000	2,957
Applicable income taxes	$394,000	1,887
Income before extraordinary items	$1,500,000	1,809
Extraordinary gains, net	$0	21
Net income	$1,500,000	1,811
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,998
Cash dividends	$627,000	1,990
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$1,498,420	1,782
2008-03-31 (YTD Data)		Rank
Total interest income	$3,144,000	3,092
Total interest expense	$1,597,000	2,727
Net interest income	$1,547,000	3,411
Provision for loan and lease losses	$15,000	5,068
Total noninterest income	$61,000	6,336
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$30,000	5,688
Trading account gains and fees	$0	158
Additional Noninterest Income	$31,000	5,863
Total noninterest expense	$685,000	5,438
Salaries and employee benefits	$353,000	5,609
Premises and equipment expense	$107,000	4,968
Additional noninterest expense	$225,000	5,004
Pre-tax net operating income	$908,000	1,953
Securities gains (losses)	$2,000	2,447
Applicable income taxes	$184,000	2,079
Income before extraordinary items	$726,000	1,969
Extraordinary gains, net	$0	15
Net income	$726,000	1,972
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,920
Cash dividends	$496,000	1,400
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$724,400	1,909
2007-12-31 (YTD Data)		Rank
Total interest income	$11,935,000	3,297
Total interest expense	$6,089,000	2,975
Net interest income	$5,846,000	3,570
Provision for loan and lease losses	$0	6,851
Total noninterest income	$255,000	6,353
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$136,000	5,579
Trading account gains and fees	$0	178
Additional Noninterest Income	$119,000	5,953
Total noninterest expense	$2,749,000	5,293
Salaries and employee benefits	$1,367,000	5,587
Premises and equipment expense	$431,000	4,801
Additional noninterest expense	$951,000	4,801
Pre-tax net operating income	$3,352,000	2,266
Securities gains (losses)	$0	2,146
Applicable income taxes	$575,000	2,566
Income before extraordinary items	$2,777,000	2,178
Extraordinary gains, net	$0	39
Net income	$2,777,000	2,177
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,101
Cash dividends	$2,667,000	1,307
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$2,777,000	2,159
2007-09-30 (YTD Data)		Rank
Total interest income	$8,868,000	3,327
Total interest expense	$4,509,000	2,993
Net interest income	$4,359,000	3,602
Provision for loan and lease losses	$0	6,528
Total noninterest income	$189,000	6,419
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$100,000	5,632
Trading account gains and fees	$0	184
Additional Noninterest Income	$89,000	5,996
Total noninterest expense	$2,061,000	5,263
Salaries and employee benefits	$1,029,000	5,550
Premises and equipment expense	$323,000	4,796
Additional noninterest expense	$709,000	4,760
Pre-tax net operating income	$2,487,000	2,446
Securities gains (losses)	$0	1,655
Applicable income taxes	$404,000	2,800
Income before extraordinary items	$2,083,000	2,296
Extraordinary gains, net	$0	33
Net income	$2,083,000	2,295
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	5,136
Cash dividends	$2,667,000	961
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$2,083,000	2,279
2007-06-30 (YTD Data)		Rank
Total interest income	$5,830,000	3,375
Total interest expense	$2,974,000	3,036
Net interest income	$2,856,000	3,668
Provision for loan and lease losses	$0	6,209
Total noninterest income	$121,000	6,522
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$64,000	5,719
Trading account gains and fees	$0	168
Additional Noninterest Income	$57,000	6,076
Total noninterest expense	$1,374,000	5,300
Salaries and employee benefits	$688,000	5,609
Premises and equipment expense	$202,000	5,004
Additional noninterest expense	$484,000	4,677
Pre-tax net operating income	$1,603,000	2,568
Securities gains (losses)	$0	1,444
Applicable income taxes	$242,000	3,011
Income before extraordinary items	$1,361,000	2,385
Extraordinary gains, net	$0	29
Net income	$1,361,000	2,385
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	4,518
Cash dividends	$396,000	2,799
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$1,361,000	2,368
2007-03-31 (YTD Data)		Rank
Total interest income	$2,878,000	3,391
Total interest expense	$1,470,000	3,037
Net interest income	$1,408,000	3,710
Provision for loan and lease losses	$0	5,779
Total noninterest income	$60,000	6,528
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$31,000	5,740
Trading account gains and fees	$0	195
Additional Noninterest Income	$29,000	6,041
Total noninterest expense	$685,000	5,323
Salaries and employee benefits	$347,000	5,618
Premises and equipment expense	$97,000	5,145
Additional noninterest expense	$241,000	4,659
Pre-tax net operating income	$783,000	2,597
Securities gains (losses)	$0	1,187
Applicable income taxes	$115,000	3,083
Income before extraordinary items	$668,000	2,422
Extraordinary gains, net	$0	22
Net income	$668,000	2,422
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	3,748
Cash dividends	$396,000	1,699
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$668,000	2,405
2006-12-31 (YTD Data)		Rank
Total interest income	$10,991,000	3,324
Total interest expense	$5,129,000	2,969
Net interest income	$5,862,000	3,578
Provision for loan and lease losses	$0	6,850
Total noninterest income	$233,000	6,656
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$144,000	5,596
Trading account gains and fees	$0	130
Additional Noninterest Income	$89,000	6,514
Total noninterest expense	$2,695,000	5,238
Salaries and employee benefits	$1,347,000	5,531
Premises and equipment expense	$406,000	4,871
Additional noninterest expense	$942,000	4,708
Pre-tax net operating income	$3,400,000	2,536
Securities gains (losses)	$9,000	1,119
Applicable income taxes	$515,000	3,115
Income before extraordinary items	$2,894,000	2,337
Extraordinary gains, net	$0	51
Net income	$2,894,000	2,339
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,935
Cash dividends	$792,000	2,995
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$2,886,350	2,322
2006-09-30 (YTD Data)		Rank
Total interest income	$8,176,000	3,319
Total interest expense	$3,753,000	2,944
Net interest income	$4,423,000	3,586
Provision for loan and lease losses	$0	6,685
Total noninterest income	$172,000	6,740
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$112,000	5,593
Trading account gains and fees	$0	126
Additional Noninterest Income	$60,000	6,682
Total noninterest expense	$2,087,000	5,125
Salaries and employee benefits	$1,018,000	5,497
Premises and equipment expense	$348,000	4,474
Additional noninterest expense	$721,000	4,610
Pre-tax net operating income	$2,508,000	2,643
Securities gains (losses)	$5,000	1,041
Applicable income taxes	$365,000	3,311
Income before extraordinary items	$2,148,000	2,431
Extraordinary gains, net	$0	45
Net income	$2,148,000	2,432
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,141
Cash dividends	$792,000	2,269
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$2,143,750	2,423
2006-06-30 (YTD Data)		Rank
Total interest income	$5,389,000	3,301
Total interest expense	$2,445,000	2,869
Net interest income	$2,944,000	3,600
Provision for loan and lease losses	$0	6,419
Total noninterest income	$112,000	6,788
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$74,000	5,610
Trading account gains and fees	$0	126
Additional Noninterest Income	$38,000	6,794
Total noninterest expense	$1,398,000	5,119
Salaries and employee benefits	$695,000	5,446
Premises and equipment expense	$221,000	4,633
Additional noninterest expense	$482,000	4,597
Pre-tax net operating income	$1,658,000	2,671
Securities gains (losses)	$5,000	842
Applicable income taxes	$236,000	3,401
Income before extraordinary items	$1,427,000	2,438
Extraordinary gains, net	$0	39
Net income	$1,427,000	2,440
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,361
Cash dividends	$396,000	2,748
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$1,422,700	2,427
2006-03-31 (YTD Data)		Rank
Total interest income	$2,682,000	3,263
Total interest expense	$1,212,000	2,774
Net interest income	$1,470,000	3,600
Provision for loan and lease losses	$0	6,013
Total noninterest income	$71,000	6,306
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$39,000	5,460
Trading account gains and fees	$0	115
Additional Noninterest Income	$32,000	5,945
Total noninterest expense	$707,000	5,103
Salaries and employee benefits	$357,000	5,379
Premises and equipment expense	$108,000	4,716
Additional noninterest expense	$242,000	4,572
Pre-tax net operating income	$834,000	2,621
Securities gains (losses)	$0	955
Applicable income taxes	$117,000	3,375
Income before extraordinary items	$717,000	2,400
Extraordinary gains, net	$0	21
Net income	$717,000	2,401
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$396,000	1,653
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$717,000	2,374
2005-12-31 (YTD Data)		Rank
Total interest income	$10,454,000	3,041
Total interest expense	$4,468,000	2,428
Net interest income	$5,986,000	3,426
Provision for loan and lease losses	$0	7,120
Total noninterest income	$267,000	6,547
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$161,000	5,484
Trading account gains and fees	$0	138
Additional Noninterest Income	$106,000	6,316
Total noninterest expense	$2,487,000	5,394
Salaries and employee benefits	$1,242,000	5,680
Premises and equipment expense	$354,000	5,243
Additional noninterest expense	$891,000	4,809
Pre-tax net operating income	$3,766,000	2,318
Securities gains (losses)	$0	2,296
Applicable income taxes	$612,000	3,043
Income before extraordinary items	$3,154,000	2,151
Extraordinary gains, net	$0	46
Net income	$3,154,000	2,152
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	6,036
Cash dividends	$788,000	2,869
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$3,154,000	2,134
2005-09-30 (YTD Data)		Rank
Total interest income	$7,814,000	2,993
Total interest expense	$3,315,000	2,346
Net interest income	$4,499,000	3,411
Provision for loan and lease losses	$0	6,899
Total noninterest income	$202,000	6,570
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$125,000	5,441
Trading account gains and fees	$0	126
Additional Noninterest Income	$77,000	6,377
Total noninterest expense	$1,861,000	5,375
Salaries and employee benefits	$922,000	5,692
Premises and equipment expense	$286,000	4,996
Additional noninterest expense	$653,000	4,845
Pre-tax net operating income	$2,840,000	2,330
Securities gains (losses)	$0	2,317
Applicable income taxes	$463,000	3,080
Income before extraordinary items	$2,377,000	2,164
Extraordinary gains, net	$0	35
Net income	$2,377,000	2,163
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	5,608
Cash dividends	$788,000	2,140
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$2,377,000	2,127
2005-06-30 (YTD Data)		Rank
Total interest income	$5,169,000	2,948
Total interest expense	$2,144,000	2,282
Net interest income	$3,025,000	3,384
Provision for loan and lease losses	$0	6,626
Total noninterest income	$134,000	6,557
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$83,000	5,411
Trading account gains and fees	$0	116
Additional Noninterest Income	$51,000	6,373
Total noninterest expense	$1,220,000	5,414
Salaries and employee benefits	$624,000	5,629
Premises and equipment expense	$165,000	5,436
Additional noninterest expense	$431,000	4,854
Pre-tax net operating income	$1,939,000	2,246
Securities gains (losses)	$0	2,146
Applicable income taxes	$322,000	2,981
Income before extraordinary items	$1,617,000	2,094
Extraordinary gains, net	$0	30
Net income	$1,617,000	2,093
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,447
Cash dividends	$394,000	2,574
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,617,000	2,060
2005-03-31 (YTD Data)		Rank
Total interest income	$2,568,000	2,929
Total interest expense	$1,036,000	2,263
Net interest income	$1,532,000	3,353
Provision for loan and lease losses	$0	6,226
Total noninterest income	$65,000	6,590
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$42,000	5,359
Trading account gains and fees	$0	115
Additional Noninterest Income	$23,000	6,629
Total noninterest expense	$578,000	5,629
Salaries and employee benefits	$313,000	5,651
Premises and equipment expense	$75,000	5,744
Additional noninterest expense	$190,000	5,263
Pre-tax net operating income	$1,019,000	2,137
Securities gains (losses)	$0	1,685
Applicable income taxes	$178,000	2,783
Income before extraordinary items	$841,000	1,999
Extraordinary gains, net	$0	24
Net income	$841,000	2,000
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$394,000	1,483
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$841,000	1,962
2004-12-31 (YTD Data)		Rank
Total interest income	$10,047,000	2,814
Total interest expense	$4,082,000	1,999
Net interest income	$5,965,000	3,311
Provision for loan and lease losses	$36,000	6,265
Total noninterest income	$254,000	6,739
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$177,000	5,480
Trading account gains and fees	$0	138
Additional Noninterest Income	$77,000	6,829
Total noninterest expense	$2,239,000	5,644
Salaries and employee benefits	$1,137,000	5,867
Premises and equipment expense	$286,000	5,807
Additional noninterest expense	$816,000	5,023
Pre-tax net operating income	$3,944,000	2,085
Securities gains (losses)	$0	3,819
Applicable income taxes	$653,000	2,884
Income before extraordinary items	$3,291,000	1,917
Extraordinary gains, net	$0	34
Net income	$3,291,000	1,917
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	6,149
Cash dividends	$739,000	2,873
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$3,291,000	1,870
2004-09-30 (YTD Data)		Rank
Total interest income	$7,485,000	2,797
Total interest expense	$3,055,000	1,960
Net interest income	$4,430,000	3,316
Provision for loan and lease losses	$36,000	5,817
Total noninterest income	$180,000	6,883
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$130,000	5,557
Trading account gains and fees	$0	134
Additional Noninterest Income	$50,000	7,056
Total noninterest expense	$1,680,000	5,619
Salaries and employee benefits	$834,000	5,887
Premises and equipment expense	$227,000	5,621
Additional noninterest expense	$619,000	4,955
Pre-tax net operating income	$2,894,000	2,130
Securities gains (losses)	$0	3,710
Applicable income taxes	$470,000	3,011
Income before extraordinary items	$2,424,000	1,954
Extraordinary gains, net	$0	26
Net income	$2,424,000	1,955
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	5,550
Cash dividends	$345,000	3,262
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$2,424,000	1,905
2004-06-30 (YTD Data)		Rank
Total interest income	$4,967,000	2,801
Total interest expense	$2,049,000	1,932
Net interest income	$2,918,000	3,341
Provision for loan and lease losses	$30,000	5,293
Total noninterest income	$115,000	6,981
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$81,000	5,696
Trading account gains and fees	$0	130
Additional Noninterest Income	$34,000	7,048
Total noninterest expense	$1,130,000	5,631
Salaries and employee benefits	$551,000	5,962
Premises and equipment expense	$141,000	5,849
Additional noninterest expense	$438,000	4,772
Pre-tax net operating income	$1,873,000	2,159
Securities gains (losses)	$0	3,413
Applicable income taxes	$288,000	3,150
Income before extraordinary items	$1,585,000	1,975
Extraordinary gains, net	$0	21
Net income	$1,585,000	1,976
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	5,531
Cash dividends	$345,000	2,691
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,585,000	1,921
2004-03-31 (YTD Data)		Rank
Total interest income	$2,456,000	2,842
Total interest expense	$1,053,000	1,898
Net interest income	$1,403,000	3,438
Provision for loan and lease losses	$15,000	5,048
Total noninterest income	$55,000	7,060
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$40,000	5,688
Trading account gains and fees	$0	121
Additional Noninterest Income	$15,000	7,252
Total noninterest expense	$538,000	5,804
Salaries and employee benefits	$279,000	5,956
Premises and equipment expense	$68,000	5,967
Additional noninterest expense	$191,000	5,234
Pre-tax net operating income	$905,000	2,184
Securities gains (losses)	$0	2,934
Applicable income taxes	$129,000	3,364
Income before extraordinary items	$776,000	2,006
Extraordinary gains, net	$0	16
Net income	$776,000	2,006
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	3,417
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$776,000	1,924
2003-12-31 (YTD Data)		Rank
Total interest income	$9,633,000	2,939
Total interest expense	$4,434,000	2,014
Net interest income	$5,199,000	3,581
Provision for loan and lease losses	$88,000	5,533
Total noninterest income	$263,000	6,855
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$178,000	5,511
Trading account gains and fees	$0	160
Additional Noninterest Income	$85,000	6,798
Total noninterest expense	$2,200,000	5,681
Salaries and employee benefits	$1,121,000	5,873
Premises and equipment expense	$305,000	5,624
Additional noninterest expense	$774,000	5,169
Pre-tax net operating income	$3,174,000	2,398
Securities gains (losses)	$0	4,500
Applicable income taxes	$361,000	3,974
Income before extraordinary items	$2,813,000	2,159
Extraordinary gains, net	$0	54
Net income	$2,813,000	2,159
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,342
Cash dividends	$587,000	3,267
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,813,000	2,065
2003-09-30 (YTD Data)		Rank
Total interest income	$7,377,000	2,914
Total interest expense	$3,342,000	2,077
Net interest income	$4,035,000	3,502
Provision for loan and lease losses	$45,000	5,860
Total noninterest income	$204,000	6,827
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$136,000	5,503
Trading account gains and fees	$0	153
Additional Noninterest Income	$68,000	6,750
Total noninterest expense	$1,624,000	5,703
Salaries and employee benefits	$834,000	5,874
Premises and equipment expense	$227,000	5,617
Additional noninterest expense	$563,000	5,236
Pre-tax net operating income	$2,570,000	2,326
Securities gains (losses)	$0	4,204
Applicable income taxes	$346,000	3,659
Income before extraordinary items	$2,224,000	2,119
Extraordinary gains, net	$0	40
Net income	$2,224,000	2,117
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	8,621
Cash dividends	$282,000	3,588
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$2,224,000	2,011
2003-06-30 (YTD Data)		Rank
Total interest income	$5,004,000	2,889
Total interest expense	$2,231,000	2,148
Net interest income	$2,773,000	3,406
Provision for loan and lease losses	$30,000	5,740
Total noninterest income	$140,000	6,779
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$90,000	5,497
Trading account gains and fees	$0	150
Additional Noninterest Income	$50,000	6,576
Total noninterest expense	$1,071,000	5,750
Salaries and employee benefits	$542,000	5,967
Premises and equipment expense	$146,000	5,746
Additional noninterest expense	$383,000	5,166
Pre-tax net operating income	$1,812,000	2,227
Securities gains (losses)	$0	3,782
Applicable income taxes	$264,000	3,460
Income before extraordinary items	$1,548,000	2,050
Extraordinary gains, net	$0	30
Net income	$1,548,000	2,048
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-16,000	8,704
Cash dividends	$282,000	2,982
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,548,000	1,932
2003-03-31 (YTD Data)		Rank
Total interest income	$2,516,000	2,897
Total interest expense	$1,116,000	2,187
Net interest income	$1,400,000	3,367
Provision for loan and lease losses	$15,000	5,504
Total noninterest income	$66,000	6,832
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$45,000	5,441
Trading account gains and fees	$0	134
Additional Noninterest Income	$21,000	6,840
Total noninterest expense	$526,000	5,830
Salaries and employee benefits	$267,000	6,021
Premises and equipment expense	$62,000	6,190
Additional noninterest expense	$197,000	5,007
Pre-tax net operating income	$925,000	2,188
Securities gains (losses)	$0	2,891
Applicable income taxes	$142,000	3,323
Income before extraordinary items	$783,000	2,010
Extraordinary gains, net	$0	21
Net income	$783,000	2,008
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	8,558
Cash dividends	$20,000	3,732
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$783,000	1,897
2002-12-31 (YTD Data)		Rank
Total interest income	$10,302,000	2,941
Total interest expense	$4,977,000	2,259
Net interest income	$5,325,000	3,477
Provision for loan and lease losses	$170,000	4,692
Total noninterest income	$274,000	6,666
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$177,000	5,503
Trading account gains and fees	$0	153
Additional Noninterest Income	$97,000	6,503
Total noninterest expense	$1,913,000	6,029
Salaries and employee benefits	$1,003,000	6,137
Premises and equipment expense	$233,000	6,353
Additional noninterest expense	$677,000	5,516
Pre-tax net operating income	$3,516,000	2,200
Securities gains (losses)	$1,000	4,369
Applicable income taxes	$659,000	2,958
Income before extraordinary items	$2,858,000	2,094
Extraordinary gains, net	$0	70
Net income	$2,858,000	2,093
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	5,210
Cash dividends	$695,000	2,926
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,857,190	2,023
2001-12-31 (YTD Data)		Rank
Total interest income	$10,076,000	3,286
Total interest expense	$5,098,000	3,106
Net interest income	$4,978,000	3,438
Provision for loan and lease losses	$37,000	7,027
Total noninterest income	$262,000	6,745
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$162,000	5,640
Trading account gains and fees	$0	177
Additional Noninterest Income	$100,000	6,441
Total noninterest expense	$1,879,000	5,974
Salaries and employee benefits	$931,000	6,238
Premises and equipment expense	$239,000	6,220
Additional noninterest expense	$709,000	5,241
Pre-tax net operating income	$3,324,000	2,068
Securities gains (losses)	$5,000	3,927
Applicable income taxes	$739,000	2,575
Income before extraordinary items	$2,590,000	2,016
Extraordinary gains, net	$0	105
Net income	$2,590,000	2,020
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,750
Cash dividends	$669,000	2,952
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,586,100	1,941
2000-12-31 (YTD Data)		Rank
Total interest income	$9,701,000	3,490
Total interest expense	$4,716,000	3,477
Net interest income	$4,985,000	3,480
Provision for loan and lease losses	$0	8,337
Total noninterest income	$300,000	6,311
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$157,000	5,658
Trading account gains and fees	$0	180
Additional Noninterest Income	$143,000	5,596
Total noninterest expense	$1,769,000	6,116
Salaries and employee benefits	$869,000	6,422
Premises and equipment expense	$245,000	6,127
Additional noninterest expense	$655,000	5,439
Pre-tax net operating income	$3,516,000	2,072
Securities gains (losses)	$0	1,956
Applicable income taxes	$847,000	2,409
Income before extraordinary items	$2,669,000	1,954
Extraordinary gains, net	$0	38
Net income	$2,669,000	1,954
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	5,922
Cash dividends	$881,000	2,511
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,669,000	1,958
1999-12-31 (YTD Data)		Rank
Total interest income	$9,317,000	3,432
Total interest expense	$4,587,000	3,162
Net interest income	$4,730,000	3,628
Provision for loan and lease losses	$0	8,503
Total noninterest income	$441,000	5,333
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$152,000	5,813
Trading account gains and fees	$0	173
Additional Noninterest Income	$289,000	4,099
Total noninterest expense	$1,688,000	6,329
Salaries and employee benefits	$803,000	6,739
Premises and equipment expense	$275,000	5,750
Additional noninterest expense	$610,000	5,767
Pre-tax net operating income	$3,483,000	2,103
Securities gains (losses)	$0	3,155
Applicable income taxes	$846,000	2,516
Income before extraordinary items	$2,637,000	2,007
Extraordinary gains, net	$0	35
Net income	$2,637,000	2,008
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	6,803
Cash dividends	$397,000	4,001
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,637,000	1,974
1998-12-31 (YTD Data)		Rank
Total interest income	$8,931,000	3,560
Total interest expense	$4,566,000	3,254
Net interest income	$4,365,000	3,835
Provision for loan and lease losses	$0	8,652
Total noninterest income	$353,000	5,985
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$115,000	6,563
Trading account gains and fees	$0	224
Additional Noninterest Income	$238,000	4,524
Total noninterest expense	$1,694,000	6,243
Salaries and employee benefits	$769,000	6,820
Premises and equipment expense	$293,000	5,454
Additional noninterest expense	$632,000	5,540
Pre-tax net operating income	$3,024,000	2,355
Securities gains (losses)	$9,000	3,034
Applicable income taxes	$720,000	2,963
Income before extraordinary items	$2,313,000	2,246
Extraordinary gains, net	$0	32
Net income	$2,313,000	2,245
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	7,204
Cash dividends	$218,000	5,217
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$2,306,160	2,184
1997-12-31 (YTD Data)		Rank
Total interest income	$8,583,000	3,725
Total interest expense	$4,345,000	3,395
Net interest income	$4,238,000	4,034
Provision for loan and lease losses	$0	8,829
Total noninterest income	$237,000	7,373
Gross Fiduciary activities income	$0	1,450
Service charges on deposit accounts	$104,000	7,108
Trading account gains and fees	$0	239
Additional Noninterest Income	$133,000	6,011
Total noninterest expense	$1,541,000	6,689
Salaries and employee benefits	$740,000	7,080
Premises and equipment expense	$253,000	6,016
Additional noninterest expense	$548,000	6,134
Pre-tax net operating income	$2,934,000	2,537
Securities gains (losses)	$2,000	3,292
Applicable income taxes	$622,000	3,564
Income before extraordinary items	$2,314,000	2,273
Extraordinary gains, net	$0	44
Net income	$2,314,000	2,273
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,835
Cash dividends	$327,000	4,369
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$2,312,420	2,218
1996-12-31 (YTD Data)		Rank
Total interest income	$8,207,000	3,934
Total interest expense	$4,266,000	3,495
Net interest income	$3,941,000	4,386
Provision for loan and lease losses	$0	9,041
Total noninterest income	$315,000	6,771
Gross Fiduciary activities income	$0	1,526
Service charges on deposit accounts	$96,000	7,584
Trading account gains and fees	$0	262
Additional Noninterest Income	$219,000	4,928
Total noninterest expense	$1,508,000	7,085
Salaries and employee benefits	$709,000	7,469
Premises and equipment expense	$255,000	6,180
Additional noninterest expense	$544,000	6,732
Pre-tax net operating income	$2,748,000	2,555
Securities gains (losses)	$2,000	3,501
Applicable income taxes	$507,000	4,106
Income before extraordinary items	$2,243,000	2,201
Extraordinary gains, net	$0	53
Net income	$2,243,000	2,201
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	9,914
Cash dividends	$356,000	4,158
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$2,241,360	2,152
1995-12-31 (YTD Data)		Rank
Total interest income	$7,801,000	4,102
Total interest expense	$4,096,000	3,605
Net interest income	$3,705,000	4,630
Provision for loan and lease losses	$0	8,958
Total noninterest income	$190,000	8,587
Gross Fiduciary activities income	$0	1,590
Service charges on deposit accounts	$100,000	7,786
Trading account gains and fees	$0	522
Additional Noninterest Income	$90,000	7,568
Total noninterest expense	$1,458,000	7,406
Salaries and employee benefits	$756,000	7,363
Premises and equipment expense	$178,000	7,647
Additional noninterest expense	$524,000	7,082
Pre-tax net operating income	$2,437,000	2,918
Securities gains (losses)	$3,000	3,092
Applicable income taxes	$339,000	5,568
Income before extraordinary items	$2,101,000	2,390
Extraordinary gains, net	$0	65
Net income	$2,101,000	2,389
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	10,354
Cash dividends	$165,000	5,889
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$2,098,420	2,368
1994-12-31 (YTD Data)		Rank
Total interest income	$7,321,000	4,060
Total interest expense	$3,328,000	3,600
Net interest income	$3,993,000	4,392
Provision for loan and lease losses	$0	9,146
Total noninterest income	$163,000	9,449
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$85,000	8,530
Trading account gains and fees	NA	NA
Additional Noninterest Income	$78,000	8,327
Total noninterest expense	$1,517,000	7,554
Salaries and employee benefits	$734,000	7,643
Premises and equipment expense	$121,000	9,362
Additional noninterest expense	$662,000	6,591
Pre-tax net operating income	$2,639,000	2,692
Securities gains (losses)	$8,000	2,362
Applicable income taxes	$371,000	5,041
Income before extraordinary items	$2,276,000	2,149
Extraordinary gains, net	$0	249
Net income	$2,276,000	2,146
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,214
Cash dividends	$303,000	4,406
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$2,269,120	2,174
1993-12-31 (YTD Data)		Rank
Total interest income	$7,271,000	4,167
Total interest expense	$3,260,000	3,832
Net interest income	$4,011,000	4,386
Provision for loan and lease losses	$12,000	9,545
Total noninterest income	$197,000	9,287
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$71,000	9,313
Trading account gains and fees	NA	NA
Additional Noninterest Income	$126,000	7,138
Total noninterest expense	$1,293,000	8,536
Salaries and employee benefits	$649,000	8,397
Premises and equipment expense	$91,000	10,750
Additional noninterest expense	$553,000	7,742
Pre-tax net operating income	$2,903,000	2,360
Securities gains (losses)	$33,000	3,976
Applicable income taxes	$512,000	4,100
Income before extraordinary items	$2,424,000	2,066
Extraordinary gains, net	$81,000	1,772
Net income	$2,505,000	2,070
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	11,387
Cash dividends	$130,000	6,378
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$2,396,610	1,958
1992-12-31 (YTD Data)		Rank
Total interest income	$7,176,000	4,723
Total interest expense	$3,616,000	4,434
Net interest income	$3,560,000	4,931
Provision for loan and lease losses	$301,000	4,106
Total noninterest income	$127,000	11,002
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$57,000	10,031
Trading account gains and fees	NA	NA
Additional Noninterest Income	$70,000	9,281
Total noninterest expense	$1,162,000	9,230
Salaries and employee benefits	$591,000	8,886
Premises and equipment expense	$115,000	10,217
Additional noninterest expense	$456,000	8,908
Pre-tax net operating income	$2,224,000	2,806
Securities gains (losses)	$40,000	4,499
Applicable income taxes	$409,000	4,709
Income before extraordinary items	$1,855,000	2,472
Extraordinary gains, net	$0	1,422
Net income	$1,855,000	2,515
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$232,000	3,879
Cash dividends	$148,000	5,841
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$1,822,200	2,340

* 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.