Home > The Richwood Banking Company > Income and Expense

The Richwood Banking Company, Income and Expense

Basic Info Reviews History Routing Numbers Locations

2023-12-31 (YTD Data)		Rank
Total interest income	$51,368,000	909
Total interest expense	$15,714,000	942
Net interest income	$35,654,000	894
Provision for loan and lease losses	$243,000	1,848
Total noninterest income	$6,002,000	1,049
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,441,000	756
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,561,000	938
Total noninterest expense	$30,554,000	874
Salaries and employee benefits	$16,307,000	908
Premises and equipment expense	$2,780,000	934
Additional noninterest expense	$4,561,000	938
Pre-tax net operating income	$10,859,000	1,096
Securities gains (losses)	$-122,000	3,832
Applicable income taxes	$1,734,000	1,077
Income before extraordinary items	$9,003,000	1,105
Extraordinary gains, net	$0	54
Net income	$9,003,000	1,118
Minority interest net income	$0	88
Net income of bank and minority interests.	$9,003,000	1,108
Net charge-offs	$329,000	927
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$9,105,480	1,114
2023-09-30 (YTD Data)		Rank
Total interest income	$37,930,000	899
Total interest expense	$11,046,000	929
Net interest income	$26,884,000	893
Provision for loan and lease losses	$70,000	2,326
Total noninterest income	$4,497,000	1,067
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$1,052,000	766
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,445,000	942
Total noninterest expense	$23,501,000	866
Salaries and employee benefits	$12,267,000	914
Premises and equipment expense	$2,086,000	939
Additional noninterest expense	$3,445,000	942
Pre-tax net operating income	$7,810,000	1,157
Securities gains (losses)	$-122,000	4,050
Applicable income taxes	$1,354,000	1,074
Income before extraordinary items	$6,334,000	1,196
Extraordinary gains, net	$0	52
Net income	$6,334,000	1,205
Minority interest net income	$0	81
Net income of bank and minority interests.	$6,334,000	1,196
Net charge-offs	$304,000	719
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$6,434,040	1,209
2023-06-30 (YTD Data)		Rank
Total interest income	$24,697,000	889
Total interest expense	$6,696,000	915
Net interest income	$18,001,000	895
Provision for loan and lease losses	$-200,000	4,489
Total noninterest income	$2,836,000	1,041
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$670,000	783
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,166,000	912
Total noninterest expense	$15,494,000	852
Salaries and employee benefits	$8,036,000	910
Premises and equipment expense	$1,342,000	950
Additional noninterest expense	$2,166,000	911
Pre-tax net operating income	$5,543,000	1,119
Securities gains (losses)	$7,000	705
Applicable income taxes	$955,000	1,049
Income before extraordinary items	$4,595,000	1,123
Extraordinary gains, net	$0	51
Net income	$4,595,000	1,136
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,595,000	1,123
Net charge-offs	$136,000	813
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$4,589,190	1,138
2023-03-31 (YTD Data)		Rank
Total interest income	$11,885,000	913
Total interest expense	$2,969,000	898
Net interest income	$8,916,000	917
Provision for loan and lease losses	$0	2,612
Total noninterest income	$1,305,000	1,114
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$301,000	863
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,004,000	959
Total noninterest expense	$7,426,000	895
Salaries and employee benefits	$3,942,000	944
Premises and equipment expense	$671,000	973
Additional noninterest expense	$1,004,000	959
Pre-tax net operating income	$2,795,000	1,137
Securities gains (losses)	$7,000	681
Applicable income taxes	$530,000	1,006
Income before extraordinary items	$2,272,000	1,161
Extraordinary gains, net	$0	4
Net income	$2,272,000	1,160
Minority interest net income	$0	48
Net income of bank and minority interests.	$2,272,000	1,160
Net charge-offs	$75,000	670
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$2,266,330	1,181
2022-12-31 (YTD Data)		Rank
Total interest income	$39,705,000	897
Total interest expense	$3,936,000	945
Net interest income	$35,769,000	879
Provision for loan and lease losses	$-1,915,000	4,653
Total noninterest income	$5,782,000	1,094
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$1,509,000	734
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,273,000	1,009
Total noninterest expense	$31,224,000	847
Salaries and employee benefits	$15,059,000	952
Premises and equipment expense	$3,043,000	846
Additional noninterest expense	$4,273,000	1,009
Pre-tax net operating income	$12,242,000	1,095
Securities gains (losses)	$-22,000	3,593
Applicable income taxes	$2,178,000	1,010
Income before extraordinary items	$10,042,000	1,102
Extraordinary gains, net	$0	5
Net income	$10,042,000	1,101
Minority interest net income	$0	63
Net income of bank and minority interests.	$10,042,000	1,102
Net charge-offs	$525,000	581
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$10,060,040	1,117
2022-09-30 (YTD Data)		Rank
Total interest income	$28,417,000	896
Total interest expense	$2,153,000	952
Net interest income	$26,264,000	886
Provision for loan and lease losses	$-350,000	4,555
Total noninterest income	$4,347,000	1,109
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$1,126,000	746
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,221,000	1,013
Total noninterest expense	$22,208,000	873
Salaries and employee benefits	$10,826,000	989
Premises and equipment expense	$2,417,000	802
Additional noninterest expense	$3,221,000	1,013
Pre-tax net operating income	$8,753,000	1,123
Securities gains (losses)	$-22,000	3,960
Applicable income taxes	$1,550,000	1,041
Income before extraordinary items	$7,181,000	1,128
Extraordinary gains, net	$0	4
Net income	$7,181,000	1,127
Minority interest net income	$0	57
Net income of bank and minority interests.	$7,181,000	1,128
Net charge-offs	$97,000	943
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$7,199,040	1,152
2022-06-30 (YTD Data)		Rank
Total interest income	$18,225,000	889
Total interest expense	$1,295,000	891
Net interest income	$16,930,000	892
Provision for loan and lease losses	$-350,000	4,577
Total noninterest income	$2,815,000	1,120
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$720,000	767
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,095,000	1,068
Total noninterest expense	$14,467,000	874
Salaries and employee benefits	$6,930,000	1,018
Premises and equipment expense	$1,661,000	768
Additional noninterest expense	$5,876,000	672
Pre-tax net operating income	$5,628,000	1,109
Securities gains (losses)	$-22,000	4,109
Applicable income taxes	$860,000	1,113
Income before extraordinary items	$4,746,000	1,083
Extraordinary gains, net	$0	4
Net income	$4,746,000	1,082
Minority interest net income	$0	60
Net income of bank and minority interests.	$4,746,000	1,083
Net charge-offs	$35,000	1,118
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$4,764,700	1,108
2022-03-31 (YTD Data)		Rank
Total interest income	$8,724,000	910
Total interest expense	$642,000	854
Net interest income	$8,082,000	906
Provision for loan and lease losses	$-250,000	4,576
Total noninterest income	$1,358,000	1,144
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$336,000	805
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,022,000	1,072
Total noninterest expense	$7,222,000	875
Salaries and employee benefits	$3,346,000	1,049
Premises and equipment expense	$862,000	753
Additional noninterest expense	$3,014,000	651
Pre-tax net operating income	$2,468,000	1,166
Securities gains (losses)	$0	623
Applicable income taxes	$385,000	1,128
Income before extraordinary items	$2,083,000	1,167
Extraordinary gains, net	$0	4
Net income	$2,083,000	1,167
Minority interest net income	$0	50
Net income of bank and minority interests.	$2,083,000	1,167
Net charge-offs	$5,000	1,366
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$2,083,000	1,177
2021-12-31 (YTD Data)		Rank
Total interest income	$37,875,000	876
Total interest expense	$3,699,000	730
Net interest income	$34,176,000	881
Provision for loan and lease losses	$1,200,000	489
Total noninterest income	$6,511,000	1,108
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$1,319,000	774
Trading account gains and fees	NA	NA
Additional Noninterest Income	$5,192,000	1,045
Total noninterest expense	$25,714,000	970
Salaries and employee benefits	$12,523,000	1,087
Premises and equipment expense	$2,849,000	901
Additional noninterest expense	$10,342,000	754
Pre-tax net operating income	$13,773,000	1,003
Securities gains (losses)	$98,000	877
Applicable income taxes	$2,535,000	952
Income before extraordinary items	$11,336,000	1,041
Extraordinary gains, net	$0	10
Net income	$11,336,000	1,042
Minority interest net income	$0	74
Net income of bank and minority interests.	$11,336,000	1,042
Net charge-offs	$84,000	1,414
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$11,255,640	1,032
2021-09-30 (YTD Data)		Rank
Total interest income	$28,689,000	880
Total interest expense	$2,987,000	717
Net interest income	$25,702,000	891
Provision for loan and lease losses	$1,075,000	403
Total noninterest income	$4,657,000	1,155
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$942,000	810
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,715,000	1,101
Total noninterest expense	$18,762,000	988
Salaries and employee benefits	$9,016,000	1,134
Premises and equipment expense	$2,146,000	911
Additional noninterest expense	$7,600,000	759
Pre-tax net operating income	$10,522,000	1,035
Securities gains (losses)	$98,000	814
Applicable income taxes	$1,865,000	1,008
Income before extraordinary items	$8,755,000	1,059
Extraordinary gains, net	$0	8
Net income	$8,755,000	1,060
Minority interest net income	$0	69
Net income of bank and minority interests.	$8,755,000	1,060
Net charge-offs	$82,000	1,156
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$8,674,640	1,049
2021-06-30 (YTD Data)		Rank
Total interest income	$17,861,000	923
Total interest expense	$2,102,000	711
Net interest income	$15,759,000	936
Provision for loan and lease losses	$750,000	409
Total noninterest income	$3,121,000	1,157
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$559,000	858
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,562,000	1,095
Total noninterest expense	$12,144,000	998
Salaries and employee benefits	$5,927,000	1,132
Premises and equipment expense	$1,416,000	916
Additional noninterest expense	$4,801,000	793
Pre-tax net operating income	$5,986,000	1,150
Securities gains (losses)	$116,000	615
Applicable income taxes	$1,030,000	1,128
Income before extraordinary items	$5,072,000	1,165
Extraordinary gains, net	$0	6
Net income	$5,072,000	1,166
Minority interest net income	$0	67
Net income of bank and minority interests.	$5,072,000	1,166
Net charge-offs	$104,000	895
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$4,975,720	1,167
2021-03-31 (YTD Data)		Rank
Total interest income	$8,845,000	923
Total interest expense	$1,079,000	740
Net interest income	$7,766,000	935
Provision for loan and lease losses	$375,000	456
Total noninterest income	$1,519,000	1,175
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$257,000	896
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,262,000	1,096
Total noninterest expense	$5,916,000	1,011
Salaries and employee benefits	$2,892,000	1,149
Premises and equipment expense	$687,000	944
Additional noninterest expense	$2,337,000	797
Pre-tax net operating income	$2,994,000	1,145
Securities gains (losses)	$116,000	440
Applicable income taxes	$510,000	1,131
Income before extraordinary items	$2,600,000	1,164
Extraordinary gains, net	$0	3
Net income	$2,600,000	1,164
Minority interest net income	$0	55
Net income of bank and minority interests.	$2,600,000	1,164
Net charge-offs	$-22,000	4,378
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$2,502,560	1,161
2020-12-31 (YTD Data)		Rank
Total interest income	$34,202,000	946
Total interest expense	$5,978,000	801
Net interest income	$28,224,000	961
Provision for loan and lease losses	$4,400,000	628
Total noninterest income	$5,610,000	1,177
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$1,152,000	835
Trading account gains and fees	NA	NA
Additional Noninterest Income	$4,458,000	1,108
Total noninterest expense	$22,808,000	1,016
Salaries and employee benefits	$11,496,000	1,112
Premises and equipment expense	$2,402,000	1,019
Additional noninterest expense	$8,910,000	811
Pre-tax net operating income	$6,626,000	1,437
Securities gains (losses)	$530,000	583
Applicable income taxes	$1,283,000	1,261
Income before extraordinary items	$5,873,000	1,442
Extraordinary gains, net	$0	4
Net income	$5,873,000	1,442
Minority interest net income	$0	72
Net income of bank and minority interests.	$5,873,000	1,443
Net charge-offs	$297,000	1,295
Cash dividends	$1,800,000	1,621
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$5,438,400	1,490
2020-09-30 (YTD Data)		Rank
Total interest income	$24,945,000	977
Total interest expense	$4,857,000	790
Net interest income	$20,088,000	1,001
Provision for loan and lease losses	$2,850,000	717
Total noninterest income	$4,073,000	1,164
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$843,000	848
Trading account gains and fees	NA	NA
Additional Noninterest Income	$3,230,000	1,103
Total noninterest expense	$16,591,000	1,022
Salaries and employee benefits	$8,160,000	1,154
Premises and equipment expense	$1,773,000	1,022
Additional noninterest expense	$6,658,000	793
Pre-tax net operating income	$4,720,000	1,468
Securities gains (losses)	$530,000	475
Applicable income taxes	$980,000	1,194
Income before extraordinary items	$4,270,000	1,438
Extraordinary gains, net	$0	4
Net income	$4,270,000	1,439
Minority interest net income	$0	65
Net income of bank and minority interests.	$4,270,000	1,439
Net charge-offs	$307,000	1,004
Cash dividends	$1,800,000	1,191
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$3,840,700	1,524
2020-06-30 (YTD Data)		Rank
Total interest income	$16,714,000	989
Total interest expense	$3,391,000	814
Net interest income	$13,323,000	1,012
Provision for loan and lease losses	$2,000,000	716
Total noninterest income	$2,323,000	1,235
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$545,000	883
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,778,000	1,178
Total noninterest expense	$10,749,000	1,036
Salaries and employee benefits	$5,397,000	1,150
Premises and equipment expense	$1,122,000	1,061
Additional noninterest expense	$4,230,000	824
Pre-tax net operating income	$2,897,000	1,501
Securities gains (losses)	$82,000	1,070
Applicable income taxes	$522,000	1,306
Income before extraordinary items	$2,457,000	1,555
Extraordinary gains, net	$0	4
Net income	$2,457,000	1,555
Minority interest net income	$0	65
Net income of bank and minority interests.	$2,457,000	1,556
Net charge-offs	$25,000	2,088
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$2,389,760	1,546
2020-03-31 (YTD Data)		Rank
Total interest income	$8,428,000	981
Total interest expense	$1,753,000	882
Net interest income	$6,675,000	990
Provision for loan and lease losses	$1,440,000	495
Total noninterest income	$1,045,000	1,247
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$298,000	948
Trading account gains and fees	NA	NA
Additional Noninterest Income	$747,000	1,187
Total noninterest expense	$5,149,000	1,079
Salaries and employee benefits	$2,641,000	1,185
Premises and equipment expense	$523,000	1,147
Additional noninterest expense	$1,985,000	863
Pre-tax net operating income	$1,131,000	1,663
Securities gains (losses)	$82,000	676
Applicable income taxes	$227,000	1,291
Income before extraordinary items	$986,000	1,683
Extraordinary gains, net	$0	4
Net income	$986,000	1,684
Minority interest net income	$0	56
Net income of bank and minority interests.	$986,000	1,684
Net charge-offs	$-12,000	4,522
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$919,580	1,751
2019-12-31 (YTD Data)		Rank
Total interest income	$33,305,000	990
Total interest expense	$8,107,000	817
Net interest income	$25,198,000	1,038
Provision for loan and lease losses	$1,035,000	886
Total noninterest income	$4,060,000	1,302
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,137,000	1,029
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,923,000	1,222
Total noninterest expense	$20,836,000	1,051
Salaries and employee benefits	$10,620,000	1,148
Premises and equipment expense	$2,238,000	1,067
Additional noninterest expense	$7,978,000	851
Pre-tax net operating income	$7,387,000	1,300
Securities gains (losses)	$120,000	835
Applicable income taxes	$1,271,000	1,231
Income before extraordinary items	$6,236,000	1,350
Extraordinary gains, net	$0	11
Net income	$6,236,000	1,352
Minority interest net income	$0	76
Net income of bank and minority interests.	$6,236,000	1,353
Net charge-offs	$51,000	2,625
Cash dividends	$0	3,944
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$6,136,400	1,329
2019-09-30 (YTD Data)		Rank
Total interest income	$24,927,000	996
Total interest expense	$6,256,000	798
Net interest income	$18,671,000	1,057
Provision for loan and lease losses	$605,000	1,004
Total noninterest income	$2,904,000	1,328
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$829,000	1,058
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,075,000	1,258
Total noninterest expense	$15,127,000	1,076
Salaries and employee benefits	$7,642,000	1,190
Premises and equipment expense	$1,690,000	1,073
Additional noninterest expense	$5,795,000	871
Pre-tax net operating income	$5,843,000	1,284
Securities gains (losses)	$75,000	913
Applicable income taxes	$1,001,000	1,226
Income before extraordinary items	$4,917,000	1,326
Extraordinary gains, net	$0	11
Net income	$4,917,000	1,327
Minority interest net income	$0	72
Net income of bank and minority interests.	$4,917,000	1,328
Net charge-offs	$-28,000	4,688
Cash dividends	$0	3,588
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$4,854,750	1,313
2019-06-30 (YTD Data)		Rank
Total interest income	$16,453,000	997
Total interest expense	$4,201,000	780
Net interest income	$12,252,000	1,073
Provision for loan and lease losses	$365,000	1,060
Total noninterest income	$1,814,000	1,368
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$517,000	1,106
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,297,000	1,269
Total noninterest expense	$9,935,000	1,091
Salaries and employee benefits	$5,061,000	1,196
Premises and equipment expense	$1,098,000	1,094
Additional noninterest expense	$3,776,000	903
Pre-tax net operating income	$3,766,000	1,297
Securities gains (losses)	$23,000	995
Applicable income taxes	$626,000	1,268
Income before extraordinary items	$3,163,000	1,331
Extraordinary gains, net	$0	11
Net income	$3,163,000	1,331
Minority interest net income	$0	69
Net income of bank and minority interests.	$3,163,000	1,331
Net charge-offs	$-29,000	4,771
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$3,143,910	1,320
2019-03-31 (YTD Data)		Rank
Total interest income	$8,075,000	1,012
Total interest expense	$2,121,000	764
Net interest income	$5,954,000	1,102
Provision for loan and lease losses	$185,000	998
Total noninterest income	$844,000	1,386
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$191,000	1,375
Trading account gains and fees	NA	NA
Additional Noninterest Income	$653,000	1,227
Total noninterest expense	$4,897,000	1,092
Salaries and employee benefits	$2,538,000	1,191
Premises and equipment expense	$544,000	1,112
Additional noninterest expense	$1,815,000	914
Pre-tax net operating income	$1,716,000	1,362
Securities gains (losses)	$23,000	544
Applicable income taxes	$257,000	1,384
Income before extraordinary items	$1,482,000	1,367
Extraordinary gains, net	$0	5
Net income	$1,482,000	1,365
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,482,000	1,366
Net charge-offs	$-8,000	4,574
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,462,450	1,360
2018-12-31 (YTD Data)		Rank
Total interest income	$21,537,000	1,353
Total interest expense	$4,113,000	1,107
Net interest income	$17,424,000	1,396
Provision for loan and lease losses	$492,000	1,476
Total noninterest income	$3,337,000	1,430
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$874,000	1,282
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,463,000	1,303
Total noninterest expense	$15,767,000	1,287
Salaries and employee benefits	$8,323,000	1,375
Premises and equipment expense	$1,746,000	1,323
Additional noninterest expense	$5,698,000	1,118
Pre-tax net operating income	$4,502,000	1,939
Securities gains (losses)	$27,000	513
Applicable income taxes	$670,000	1,724
Income before extraordinary items	$3,859,000	1,955
Extraordinary gains, net	$0	6
Net income	$3,859,000	1,954
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,859,000	1,954
Net charge-offs	$30,000	2,911
Cash dividends	$10,000,000	415
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$3,836,050	1,954
2018-09-30 (YTD Data)		Rank
Total interest income	$15,487,000	1,382
Total interest expense	$2,757,000	1,155
Net interest income	$12,730,000	1,420
Provision for loan and lease losses	$302,000	1,560
Total noninterest income	$2,398,000	1,484
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$644,000	1,303
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,754,000	1,368
Total noninterest expense	$11,402,000	1,335
Salaries and employee benefits	$6,119,000	1,393
Premises and equipment expense	$1,316,000	1,315
Additional noninterest expense	$3,967,000	1,190
Pre-tax net operating income	$3,424,000	1,927
Securities gains (losses)	$27,000	517
Applicable income taxes	$607,000	1,625
Income before extraordinary items	$2,844,000	1,985
Extraordinary gains, net	$0	5
Net income	$2,844,000	1,982
Minority interest net income	$0	66
Net income of bank and minority interests.	$2,844,000	1,984
Net charge-offs	$28,000	2,530
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$2,821,860	1,980
2018-06-30 (YTD Data)		Rank
Total interest income	$10,106,000	1,396
Total interest expense	$1,671,000	1,187
Net interest income	$8,435,000	1,427
Provision for loan and lease losses	$200,000	1,508
Total noninterest income	$1,525,000	1,548
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$406,000	1,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,119,000	1,424
Total noninterest expense	$7,452,000	1,366
Salaries and employee benefits	$4,089,000	1,397
Premises and equipment expense	$880,000	1,322
Additional noninterest expense	$2,483,000	1,249
Pre-tax net operating income	$2,308,000	1,882
Securities gains (losses)	$22,000	458
Applicable income taxes	$400,000	1,612
Income before extraordinary items	$1,930,000	1,933
Extraordinary gains, net	$0	6
Net income	$1,930,000	1,931
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,930,000	1,932
Net charge-offs	$16,000	2,366
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,911,740	1,943
2018-03-31 (YTD Data)		Rank
Total interest income	$4,991,000	1,402
Total interest expense	$814,000	1,155
Net interest income	$4,177,000	1,443
Provision for loan and lease losses	$100,000	1,437
Total noninterest income	$727,000	1,588
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$192,000	1,427
Trading account gains and fees	NA	NA
Additional Noninterest Income	$535,000	1,427
Total noninterest expense	$3,699,000	1,384
Salaries and employee benefits	$2,034,000	1,410
Premises and equipment expense	$457,000	1,294
Additional noninterest expense	$1,208,000	1,270
Pre-tax net operating income	$1,105,000	1,906
Securities gains (losses)	$5,000	534
Applicable income taxes	$229,000	1,449
Income before extraordinary items	$881,000	2,025
Extraordinary gains, net	$0	7
Net income	$881,000	2,024
Minority interest net income	$0	52
Net income of bank and minority interests.	$881,000	2,025
Net charge-offs	$4,000	2,263
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$877,050	2,020
2017-12-31 (YTD Data)		Rank
Total interest income	$18,724,000	1,433
Total interest expense	$2,608,000	1,233
Net interest income	$16,116,000	1,452
Provision for loan and lease losses	$303,000	1,948
Total noninterest income	$2,910,000	1,625
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$823,000	1,387
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,087,000	1,491
Total noninterest expense	$15,021,000	1,319
Salaries and employee benefits	$7,971,000	1,413
Premises and equipment expense	$1,712,000	1,342
Additional noninterest expense	$5,338,000	1,189
Pre-tax net operating income	$3,702,000	2,149
Securities gains (losses)	$940,000	148
Applicable income taxes	$453,000	2,487
Income before extraordinary items	$4,189,000	1,547
Extraordinary gains, net	$0	9
Net income	$4,189,000	1,547
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,189,000	1,547
Net charge-offs	$182,000	1,911
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$3,343,000	1,845
2017-09-30 (YTD Data)		Rank
Total interest income	$13,879,000	1,446
Total interest expense	$1,922,000	1,237
Net interest income	$11,957,000	1,468
Provision for loan and lease losses	$228,000	1,889
Total noninterest income	$2,243,000	1,608
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$620,000	1,384
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,623,000	1,473
Total noninterest expense	$11,041,000	1,339
Salaries and employee benefits	$5,856,000	1,441
Premises and equipment expense	$1,217,000	1,414
Additional noninterest expense	$3,968,000	1,184
Pre-tax net operating income	$2,931,000	2,100
Securities gains (losses)	$801,000	151
Applicable income taxes	$693,000	1,802
Income before extraordinary items	$3,039,000	1,719
Extraordinary gains, net	$0	9
Net income	$3,039,000	1,720
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,039,000	1,720
Net charge-offs	$164,000	1,543
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$2,390,190	2,071
2017-06-30 (YTD Data)		Rank
Total interest income	$9,041,000	1,463
Total interest expense	$1,204,000	1,271
Net interest income	$7,837,000	1,482
Provision for loan and lease losses	$153,000	1,797
Total noninterest income	$1,467,000	1,627
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$397,000	1,425
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,070,000	1,485
Total noninterest expense	$7,247,000	1,362
Salaries and employee benefits	$3,918,000	1,436
Premises and equipment expense	$792,000	1,449
Additional noninterest expense	$2,537,000	1,225
Pre-tax net operating income	$1,904,000	2,104
Securities gains (losses)	$720,000	117
Applicable income taxes	$504,000	1,692
Income before extraordinary items	$2,120,000	1,621
Extraordinary gains, net	$0	11
Net income	$2,120,000	1,621
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,120,000	1,621
Net charge-offs	$89,000	1,610
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,536,800	2,087
2017-03-31 (YTD Data)		Rank
Total interest income	$4,299,000	1,515
Total interest expense	$567,000	1,322
Net interest income	$3,732,000	1,542
Provision for loan and lease losses	$75,000	1,685
Total noninterest income	$749,000	1,596
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$196,000	1,434
Trading account gains and fees	NA	NA
Additional Noninterest Income	$553,000	1,443
Total noninterest expense	$3,601,000	1,392
Salaries and employee benefits	$1,962,000	1,459
Premises and equipment expense	$404,000	1,435
Additional noninterest expense	$1,235,000	1,260
Pre-tax net operating income	$805,000	2,274
Securities gains (losses)	$522,000	80
Applicable income taxes	$252,000	1,656
Income before extraordinary items	$1,075,000	1,581
Extraordinary gains, net	$0	8
Net income	$1,075,000	1,580
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,075,000	1,581
Net charge-offs	$62,000	1,194
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$652,180	2,284
2016-12-31 (YTD Data)		Rank
Total interest income	$16,646,000	1,526
Total interest expense	$1,899,000	1,476
Net interest income	$14,747,000	1,519
Provision for loan and lease losses	$146,000	2,766
Total noninterest income	$2,957,000	1,664
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$800,000	1,438
Trading account gains and fees	$0	170
Additional Noninterest Income	$2,157,000	1,520
Total noninterest expense	$13,174,000	1,489
Salaries and employee benefits	$6,969,000	1,556
Premises and equipment expense	$1,532,000	1,492
Additional noninterest expense	$4,673,000	1,340
Pre-tax net operating income	$4,384,000	1,803
Securities gains (losses)	$647,000	344
Applicable income taxes	$833,000	1,803
Income before extraordinary items	$4,198,000	1,586
Extraordinary gains, net	$0	5
Net income	$4,198,000	1,584
Minority interest net income	$0	82
Net income of bank and minority interests.	$4,198,000	1,585
Net charge-offs	$302,000	1,511
Cash dividends	$500,000	2,958
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$3,660,990	1,737
2016-09-30 (YTD Data)		Rank
Total interest income	$12,379,000	1,536
Total interest expense	$1,357,000	1,541
Net interest income	$11,022,000	1,520
Provision for loan and lease losses	$90,000	2,817
Total noninterest income	$2,146,000	1,691
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$601,000	1,434
Trading account gains and fees	$0	169
Additional Noninterest Income	$1,545,000	1,563
Total noninterest expense	$9,777,000	1,505
Salaries and employee benefits	$5,125,000	1,581
Premises and equipment expense	$1,154,000	1,488
Additional noninterest expense	$3,498,000	1,338
Pre-tax net operating income	$3,301,000	1,823
Securities gains (losses)	$471,000	405
Applicable income taxes	$739,000	1,698
Income before extraordinary items	$3,033,000	1,677
Extraordinary gains, net	$0	5
Net income	$3,033,000	1,677
Minority interest net income	$0	71
Net income of bank and minority interests.	$3,033,000	1,677
Net charge-offs	$389,000	946
Cash dividends	$250,000	3,006
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$2,656,200	1,807
2016-06-30 (YTD Data)		Rank
Total interest income	$8,148,000	1,557
Total interest expense	$892,000	1,555
Net interest income	$7,256,000	1,550
Provision for loan and lease losses	$60,000	2,701
Total noninterest income	$1,373,000	1,731
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$388,000	1,468
Trading account gains and fees	$0	157
Additional Noninterest Income	$985,000	1,571
Total noninterest expense	$6,410,000	1,529
Salaries and employee benefits	$3,421,000	1,588
Premises and equipment expense	$753,000	1,514
Additional noninterest expense	$2,236,000	1,386
Pre-tax net operating income	$2,159,000	1,823
Securities gains (losses)	$395,000	342
Applicable income taxes	$466,000	1,742
Income before extraordinary items	$2,088,000	1,590
Extraordinary gains, net	$0	16
Net income	$2,088,000	1,591
Minority interest net income	$0	71
Net income of bank and minority interests.	$2,088,000	1,591
Net charge-offs	$20,000	2,775
Cash dividends	$250,000	2,668
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,764,100	1,799
2016-03-31 (YTD Data)		Rank
Total interest income	$4,077,000	1,556
Total interest expense	$448,000	1,548
Net interest income	$3,629,000	1,546
Provision for loan and lease losses	$30,000	2,510
Total noninterest income	$629,000	1,783
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$194,000	1,467
Trading account gains and fees	$0	142
Additional Noninterest Income	$435,000	1,656
Total noninterest expense	$3,231,000	1,518
Salaries and employee benefits	$1,714,000	1,592
Premises and equipment expense	$367,000	1,566
Additional noninterest expense	$1,150,000	1,347
Pre-tax net operating income	$997,000	1,926
Securities gains (losses)	$183,000	325
Applicable income taxes	$201,000	1,836
Income before extraordinary items	$979,000	1,654
Extraordinary gains, net	$0	12
Net income	$979,000	1,655
Minority interest net income	$0	62
Net income of bank and minority interests.	$979,000	1,655
Net charge-offs	$18,000	2,041
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$827,110	1,882
2015-12-31 (YTD Data)		Rank
Total interest income	$16,174,000	1,528
Total interest expense	$1,869,000	1,475
Net interest income	$14,305,000	1,534
Provision for loan and lease losses	$120,000	2,830
Total noninterest income	$2,556,000	1,801
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$882,000	1,367
Trading account gains and fees	$0	159
Additional Noninterest Income	$1,674,000	1,727
Total noninterest expense	$11,828,000	1,619
Salaries and employee benefits	$6,411,000	1,648
Premises and equipment expense	$1,539,000	1,495
Additional noninterest expense	$3,878,000	1,577
Pre-tax net operating income	$4,913,000	1,593
Securities gains (losses)	$294,000	567
Applicable income taxes	$871,000	1,720
Income before extraordinary items	$4,336,000	1,515
Extraordinary gains, net	$0	23
Net income	$4,336,000	1,515
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,336,000	1,515
Net charge-offs	$14,000	3,902
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$4,091,980	1,540
2015-09-30 (YTD Data)		Rank
Total interest income	$12,004,000	1,558
Total interest expense	$1,407,000	1,483
Net interest income	$10,597,000	1,563
Provision for loan and lease losses	$90,000	2,744
Total noninterest income	$1,871,000	1,837
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$654,000	1,394
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,217,000	1,784
Total noninterest expense	$8,883,000	1,632
Salaries and employee benefits	$4,824,000	1,636
Premises and equipment expense	$1,154,000	1,508
Additional noninterest expense	$2,905,000	1,563
Pre-tax net operating income	$3,495,000	1,693
Securities gains (losses)	$200,000	647
Applicable income taxes	$635,000	1,803
Income before extraordinary items	$3,060,000	1,595
Extraordinary gains, net	$0	21
Net income	$3,060,000	1,596
Minority interest net income	$0	78
Net income of bank and minority interests.	$3,060,000	1,596
Net charge-offs	$12,000	3,574
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$2,894,000	1,636
2015-06-30 (YTD Data)		Rank
Total interest income	$7,866,000	1,588
Total interest expense	$933,000	1,494
Net interest income	$6,933,000	1,595
Provision for loan and lease losses	$60,000	2,661
Total noninterest income	$1,252,000	1,842
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$416,000	1,421
Trading account gains and fees	$0	157
Additional Noninterest Income	$836,000	1,754
Total noninterest expense	$5,887,000	1,647
Salaries and employee benefits	$3,184,000	1,668
Premises and equipment expense	$761,000	1,537
Additional noninterest expense	$1,942,000	1,578
Pre-tax net operating income	$2,238,000	1,742
Securities gains (losses)	$180,000	569
Applicable income taxes	$423,000	1,795
Income before extraordinary items	$1,995,000	1,619
Extraordinary gains, net	$0	22
Net income	$1,995,000	1,622
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,995,000	1,622
Net charge-offs	$0	3,893
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,845,600	1,682
2015-03-31 (YTD Data)		Rank
Total interest income	$3,850,000	1,611
Total interest expense	$470,000	1,476
Net interest income	$3,380,000	1,638
Provision for loan and lease losses	$30,000	2,461
Total noninterest income	$590,000	1,895
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$193,000	1,490
Trading account gains and fees	$0	152
Additional Noninterest Income	$397,000	1,782
Total noninterest expense	$2,962,000	1,647
Salaries and employee benefits	$1,576,000	1,697
Premises and equipment expense	$374,000	1,581
Additional noninterest expense	$1,012,000	1,517
Pre-tax net operating income	$978,000	1,895
Securities gains (losses)	$131,000	490
Applicable income taxes	$227,000	1,693
Income before extraordinary items	$882,000	1,778
Extraordinary gains, net	$0	13
Net income	$882,000	1,780
Minority interest net income	$0	64
Net income of bank and minority interests.	$882,000	1,780
Net charge-offs	$0	3,288
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$777,200	1,913
2014-12-31 (YTD Data)		Rank
Total interest income	$15,790,000	1,570
Total interest expense	$2,095,000	1,400
Net interest income	$13,695,000	1,614
Provision for loan and lease losses	$500,000	1,458
Total noninterest income	$2,510,000	1,791
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$907,000	1,414
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,603,000	1,701
Total noninterest expense	$10,871,000	1,759
Salaries and employee benefits	$5,736,000	1,796
Premises and equipment expense	$1,254,000	1,840
Additional noninterest expense	$3,881,000	1,606
Pre-tax net operating income	$4,834,000	1,569
Securities gains (losses)	$339,000	558
Applicable income taxes	$917,000	1,632
Income before extraordinary items	$4,256,000	1,503
Extraordinary gains, net	$0	17
Net income	$4,256,000	1,501
Minority interest net income	$0	84
Net income of bank and minority interests.	$4,256,000	1,502
Net charge-offs	$-17,000	5,764
Cash dividends	$346,000	3,270
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$3,978,020	1,571
2014-09-30 (YTD Data)		Rank
Total interest income	$11,799,000	1,583
Total interest expense	$1,600,000	1,382
Net interest income	$10,199,000	1,627
Provision for loan and lease losses	$450,000	1,237
Total noninterest income	$1,919,000	1,763
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$685,000	1,421
Trading account gains and fees	$0	174
Additional Noninterest Income	$1,234,000	1,685
Total noninterest expense	$8,057,000	1,776
Salaries and employee benefits	$4,206,000	1,841
Premises and equipment expense	$926,000	1,884
Additional noninterest expense	$2,925,000	1,603
Pre-tax net operating income	$3,611,000	1,585
Securities gains (losses)	$225,000	596
Applicable income taxes	$665,000	1,706
Income before extraordinary items	$3,171,000	1,495
Extraordinary gains, net	$0	15
Net income	$3,171,000	1,494
Minority interest net income	$0	81
Net income of bank and minority interests.	$3,171,000	1,495
Net charge-offs	$-19,000	5,777
Cash dividends	$346,000	2,613
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,984,250	1,563
2014-06-30 (YTD Data)		Rank
Total interest income	$7,773,000	1,599
Total interest expense	$1,065,000	1,400
Net interest income	$6,708,000	1,638
Provision for loan and lease losses	$300,000	1,222
Total noninterest income	$1,231,000	1,805
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$431,000	1,473
Trading account gains and fees	$0	172
Additional Noninterest Income	$800,000	1,700
Total noninterest expense	$5,349,000	1,776
Salaries and employee benefits	$2,778,000	1,861
Premises and equipment expense	$629,000	1,869
Additional noninterest expense	$1,942,000	1,604
Pre-tax net operating income	$2,290,000	1,623
Securities gains (losses)	$117,000	716
Applicable income taxes	$365,000	1,866
Income before extraordinary items	$2,042,000	1,512
Extraordinary gains, net	$0	20
Net income	$2,042,000	1,515
Minority interest net income	$0	80
Net income of bank and minority interests.	$2,042,000	1,514
Net charge-offs	$4,000	4,000
Cash dividends	$346,000	2,195
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,942,550	1,557
2014-03-31 (YTD Data)		Rank
Total interest income	$3,837,000	1,614
Total interest expense	$534,000	1,417
Net interest income	$3,303,000	1,655
Provision for loan and lease losses	$150,000	1,189
Total noninterest income	$582,000	1,839
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$203,000	1,529
Trading account gains and fees	$0	147
Additional Noninterest Income	$379,000	1,719
Total noninterest expense	$2,610,000	1,818
Salaries and employee benefits	$1,380,000	1,883
Premises and equipment expense	$324,000	1,854
Additional noninterest expense	$906,000	1,683
Pre-tax net operating income	$1,125,000	1,601
Securities gains (losses)	$39,000	741
Applicable income taxes	$180,000	1,838
Income before extraordinary items	$984,000	1,516
Extraordinary gains, net	$0	16
Net income	$984,000	1,519
Minority interest net income	$0	66
Net income of bank and minority interests.	$984,000	1,519
Net charge-offs	$-1,000	4,711
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$950,850	1,535
2013-12-31 (YTD Data)		Rank
Total interest income	$14,660,000	1,697
Total interest expense	$2,218,000	1,535
Net interest income	$12,442,000	1,727
Provision for loan and lease losses	$800,000	1,326
Total noninterest income	$2,623,000	1,795
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$891,000	1,502
Trading account gains and fees	$0	184
Additional Noninterest Income	$1,732,000	1,687
Total noninterest expense	$9,964,000	1,906
Salaries and employee benefits	$5,197,000	1,958
Premises and equipment expense	$1,206,000	1,901
Additional noninterest expense	$3,561,000	1,781
Pre-tax net operating income	$4,301,000	1,622
Securities gains (losses)	$605,000	383
Applicable income taxes	$964,000	1,494
Income before extraordinary items	$3,942,000	1,529
Extraordinary gains, net	$0	29
Net income	$3,942,000	1,531
Minority interest net income	$0	90
Net income of bank and minority interests.	$3,942,000	1,533
Net charge-offs	$424,000	2,195
Cash dividends	$200,000	3,572
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$3,458,000	1,653
2013-09-30 (YTD Data)		Rank
Total interest income	$10,864,000	1,727
Total interest expense	$1,709,000	1,539
Net interest income	$9,155,000	1,764
Provision for loan and lease losses	$700,000	1,182
Total noninterest income	$1,998,000	1,791
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$666,000	1,513
Trading account gains and fees	$0	180
Additional Noninterest Income	$1,332,000	1,692
Total noninterest expense	$7,476,000	1,908
Salaries and employee benefits	$3,861,000	1,988
Premises and equipment expense	$903,000	1,922
Additional noninterest expense	$2,712,000	1,744
Pre-tax net operating income	$2,977,000	1,757
Securities gains (losses)	$548,000	376
Applicable income taxes	$538,000	1,838
Income before extraordinary items	$2,987,000	1,510
Extraordinary gains, net	$0	25
Net income	$2,987,000	1,512
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,987,000	1,513
Net charge-offs	$150,000	2,865
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,521,200	1,719
2013-06-30 (YTD Data)		Rank
Total interest income	$7,129,000	1,753
Total interest expense	$1,143,000	1,565
Net interest income	$5,986,000	1,786
Provision for loan and lease losses	$450,000	1,252
Total noninterest income	$1,265,000	1,900
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$426,000	1,536
Trading account gains and fees	$0	157
Additional Noninterest Income	$839,000	1,798
Total noninterest expense	$4,956,000	1,923
Salaries and employee benefits	$2,571,000	2,005
Premises and equipment expense	$668,000	1,756
Additional noninterest expense	$1,717,000	1,840
Pre-tax net operating income	$1,845,000	1,848
Securities gains (losses)	$528,000	348
Applicable income taxes	$372,000	1,814
Income before extraordinary items	$2,001,000	1,505
Extraordinary gains, net	$0	22
Net income	$2,001,000	1,508
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,001,000	1,510
Net charge-offs	$114,000	2,636
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,557,480	1,792
2013-03-31 (YTD Data)		Rank
Total interest income	$3,529,000	1,793
Total interest expense	$589,000	1,565
Net interest income	$2,940,000	1,826
Provision for loan and lease losses	$150,000	1,610
Total noninterest income	$663,000	1,812
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$200,000	1,619
Trading account gains and fees	$0	148
Additional Noninterest Income	$463,000	1,655
Total noninterest expense	$2,488,000	1,925
Salaries and employee benefits	$1,276,000	2,035
Premises and equipment expense	$305,000	1,940
Additional noninterest expense	$907,000	1,760
Pre-tax net operating income	$965,000	1,776
Securities gains (losses)	$141,000	576
Applicable income taxes	$92,000	2,489
Income before extraordinary items	$1,014,000	1,460
Extraordinary gains, net	$0	10
Net income	$1,014,000	1,462
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,014,000	1,462
Net charge-offs	$111,000	1,804
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$884,280	1,595
2012-12-31 (YTD Data)		Rank
Total interest income	$13,773,000	1,921
Total interest expense	$2,603,000	1,684
Net interest income	$11,170,000	1,955
Provision for loan and lease losses	$733,000	2,207
Total noninterest income	$2,615,000	1,811
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$629,000	2,078
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,986,000	1,530
Total noninterest expense	$9,680,000	1,977
Salaries and employee benefits	$4,830,000	2,074
Premises and equipment expense	$1,042,000	2,203
Additional noninterest expense	$3,808,000	1,740
Pre-tax net operating income	$3,372,000	1,886
Securities gains (losses)	$498,000	943
Applicable income taxes	$374,000	2,466
Income before extraordinary items	$3,496,000	1,635
Extraordinary gains, net	$0	29
Net income	$3,496,000	1,636
Minority interest net income	$0	93
Net income of bank and minority interests.	$3,496,000	1,636
Net charge-offs	$971,000	1,848
Cash dividends	$634,000	2,498
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$3,047,800	1,731
2012-09-30 (YTD Data)		Rank
Total interest income	$10,300,000	1,952
Total interest expense	$2,007,000	1,714
Net interest income	$8,293,000	2,006
Provision for loan and lease losses	$333,000	2,835
Total noninterest income	$1,818,000	1,914
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$425,000	2,276
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,393,000	1,593
Total noninterest expense	$7,298,000	1,956
Salaries and employee benefits	$3,577,000	2,092
Premises and equipment expense	$772,000	2,254
Additional noninterest expense	$2,949,000	1,699
Pre-tax net operating income	$2,480,000	1,990
Securities gains (losses)	$388,000	909
Applicable income taxes	$405,000	2,152
Income before extraordinary items	$2,463,000	1,776
Extraordinary gains, net	$0	20
Net income	$2,463,000	1,775
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,463,000	1,777
Net charge-offs	$969,000	1,502
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,129,320	1,876
2012-06-30 (YTD Data)		Rank
Total interest income	$6,784,000	1,982
Total interest expense	$1,263,000	1,860
Net interest income	$5,521,000	2,003
Provision for loan and lease losses	$200,000	2,964
Total noninterest income	$1,067,000	2,074
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$238,000	2,594
Trading account gains and fees	$0	153
Additional Noninterest Income	$829,000	1,720
Total noninterest expense	$4,950,000	1,949
Salaries and employee benefits	$2,393,000	2,076
Premises and equipment expense	$495,000	2,306
Additional noninterest expense	$2,062,000	1,622
Pre-tax net operating income	$1,438,000	2,212
Securities gains (losses)	$192,000	1,128
Applicable income taxes	$182,000	2,537
Income before extraordinary items	$1,448,000	1,944
Extraordinary gains, net	$0	19
Net income	$1,448,000	1,942
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,448,000	1,944
Net charge-offs	$43,000	4,152
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,277,120	2,044
2012-03-31 (YTD Data)		Rank
Total interest income	$3,380,000	1,998
Total interest expense	$694,000	1,771
Net interest income	$2,686,000	2,053
Provision for loan and lease losses	$100,000	2,838
Total noninterest income	$579,000	1,952
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$115,000	2,623
Trading account gains and fees	$0	148
Additional Noninterest Income	$464,000	1,589
Total noninterest expense	$2,398,000	1,998
Salaries and employee benefits	$1,181,000	2,112
Premises and equipment expense	$228,000	2,508
Additional noninterest expense	$989,000	1,678
Pre-tax net operating income	$767,000	2,091
Securities gains (losses)	$157,000	702
Applicable income taxes	$97,000	2,474
Income before extraordinary items	$827,000	1,751
Extraordinary gains, net	$0	19
Net income	$827,000	1,753
Minority interest net income	$0	78
Net income of bank and minority interests.	$827,000	1,752
Net charge-offs	$-7,000	6,510
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$685,700	1,938
2011-12-31 (YTD Data)		Rank
Total interest income	$13,851,000	2,021
Total interest expense	$3,208,000	1,847
Net interest income	$10,643,000	2,050
Provision for loan and lease losses	$519,000	3,414
Total noninterest income	$2,220,000	1,857
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$479,000	2,665
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,741,000	1,493
Total noninterest expense	$9,189,000	2,082
Salaries and employee benefits	$4,623,000	2,089
Premises and equipment expense	$908,000	2,619
Additional noninterest expense	$3,658,000	1,839
Pre-tax net operating income	$3,155,000	1,749
Securities gains (losses)	$191,000	1,499
Applicable income taxes	$503,000	2,026
Income before extraordinary items	$2,843,000	1,690
Extraordinary gains, net	$0	29
Net income	$2,843,000	1,691
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,843,000	1,691
Net charge-offs	$183,000	4,405
Cash dividends	$566,000	2,281
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,680,650	1,694
2011-09-30 (YTD Data)		Rank
Total interest income	$10,476,000	2,030
Total interest expense	$2,511,000	1,843
Net interest income	$7,965,000	2,064
Provision for loan and lease losses	$268,000	3,785
Total noninterest income	$1,505,000	1,993
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$343,000	2,761
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,162,000	1,590
Total noninterest expense	$6,797,000	2,112
Salaries and employee benefits	$3,431,000	2,126
Premises and equipment expense	$692,000	2,589
Additional noninterest expense	$2,674,000	1,901
Pre-tax net operating income	$2,405,000	1,795
Securities gains (losses)	$101,000	1,782
Applicable income taxes	$342,000	2,123
Income before extraordinary items	$2,164,000	1,716
Extraordinary gains, net	$0	21
Net income	$2,164,000	1,717
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,164,000	1,717
Net charge-offs	$54,000	4,923
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$2,077,140	1,700
2011-06-30 (YTD Data)		Rank
Total interest income	$7,021,000	2,032
Total interest expense	$1,741,000	1,833
Net interest income	$5,280,000	2,076
Provision for loan and lease losses	$168,000	3,767
Total noninterest income	$925,000	2,108
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$214,000	2,876
Trading account gains and fees	$0	153
Additional Noninterest Income	$711,000	1,703
Total noninterest expense	$4,510,000	2,144
Salaries and employee benefits	$2,282,000	2,144
Premises and equipment expense	$471,000	2,569
Additional noninterest expense	$1,757,000	1,943
Pre-tax net operating income	$1,527,000	1,854
Securities gains (losses)	$55,000	1,535
Applicable income taxes	$199,000	2,236
Income before extraordinary items	$1,383,000	1,729
Extraordinary gains, net	$0	15
Net income	$1,383,000	1,729
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,383,000	1,729
Net charge-offs	$31,000	4,801
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,335,150	1,708
2011-03-31 (YTD Data)		Rank
Total interest income	$3,489,000	2,058
Total interest expense	$908,000	1,818
Net interest income	$2,581,000	2,103
Provision for loan and lease losses	$67,000	3,867
Total noninterest income	$464,000	2,122
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$104,000	2,899
Trading account gains and fees	$0	158
Additional Noninterest Income	$360,000	1,692
Total noninterest expense	$2,269,000	2,126
Salaries and employee benefits	$1,140,000	2,161
Premises and equipment expense	$251,000	2,494
Additional noninterest expense	$878,000	1,930
Pre-tax net operating income	$709,000	1,954
Securities gains (losses)	$2,000	1,590
Applicable income taxes	$59,000	2,706
Income before extraordinary items	$652,000	1,789
Extraordinary gains, net	$0	9
Net income	$652,000	1,788
Minority interest net income	$0	86
Net income of bank and minority interests.	$652,000	1,789
Net charge-offs	$24,000	3,913
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$650,160	1,741
2010-12-31 (YTD Data)		Rank
Total interest income	$13,976,000	2,157
Total interest expense	$4,024,000	1,989
Net interest income	$9,952,000	2,210
Provision for loan and lease losses	$537,000	4,023
Total noninterest income	$1,834,000	2,191
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$268,000	3,863
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,566,000	1,645
Total noninterest expense	$7,991,000	2,419
Salaries and employee benefits	$3,922,000	2,446
Premises and equipment expense	$802,000	2,986
Additional noninterest expense	$3,267,000	2,130
Pre-tax net operating income	$3,258,000	1,503
Securities gains (losses)	$51,000	2,642
Applicable income taxes	$379,000	2,145
Income before extraordinary items	$2,930,000	1,432
Extraordinary gains, net	$0	29
Net income	$2,930,000	1,434
Minority interest net income	$0	111
Net income of bank and minority interests.	$2,930,000	1,435
Net charge-offs	$289,000	4,345
Cash dividends	$543,000	2,255
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$2,884,610	1,395
2010-09-30 (YTD Data)		Rank
Total interest income	$10,434,000	2,226
Total interest expense	$3,104,000	2,013
Net interest income	$7,330,000	2,292
Provision for loan and lease losses	$537,000	3,429
Total noninterest income	$1,310,000	2,303
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$205,000	3,895
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,105,000	1,691
Total noninterest expense	$5,764,000	2,514
Salaries and employee benefits	$2,869,000	2,528
Premises and equipment expense	$594,000	3,051
Additional noninterest expense	$2,301,000	2,225
Pre-tax net operating income	$2,339,000	1,686
Securities gains (losses)	$50,000	2,404
Applicable income taxes	$291,000	2,181
Income before extraordinary items	$2,098,000	1,573
Extraordinary gains, net	$0	23
Net income	$2,098,000	1,576
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,098,000	1,576
Net charge-offs	$288,000	3,785
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$2,054,000	1,536
2010-06-30 (YTD Data)		Rank
Total interest income	$6,921,000	2,263
Total interest expense	$2,063,000	2,095
Net interest income	$4,858,000	2,293
Provision for loan and lease losses	$252,000	3,871
Total noninterest income	$762,000	2,440
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$134,000	3,924
Trading account gains and fees	$0	152
Additional Noninterest Income	$628,000	1,806
Total noninterest expense	$3,779,000	2,565
Salaries and employee benefits	$1,899,000	2,555
Premises and equipment expense	$400,000	3,055
Additional noninterest expense	$1,480,000	2,284
Pre-tax net operating income	$1,589,000	1,643
Securities gains (losses)	$44,000	1,966
Applicable income taxes	$173,000	2,272
Income before extraordinary items	$1,460,000	1,504
Extraordinary gains, net	$0	19
Net income	$1,460,000	1,505
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,460,000	1,505
Net charge-offs	$248,000	3,287
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,420,840	1,472
2010-03-31 (YTD Data)		Rank
Total interest income	$3,431,000	2,338
Total interest expense	$1,025,000	2,214
Net interest income	$2,406,000	2,339
Provision for loan and lease losses	$126,000	3,652
Total noninterest income	$359,000	2,549
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$65,000	3,983
Trading account gains and fees	$0	175
Additional Noninterest Income	$294,000	1,863
Total noninterest expense	$1,861,000	2,625
Salaries and employee benefits	$932,000	2,630
Premises and equipment expense	$202,000	3,090
Additional noninterest expense	$727,000	2,322
Pre-tax net operating income	$778,000	1,661
Securities gains (losses)	$0	2,284
Applicable income taxes	$62,000	2,606
Income before extraordinary items	$716,000	1,526
Extraordinary gains, net	$0	16
Net income	$716,000	1,528
Minority interest net income	$0	91
Net income of bank and minority interests.	$716,000	1,528
Net charge-offs	$37,000	3,979
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$716,000	1,468
2009-12-31 (YTD Data)		Rank
Total interest income	$13,310,000	2,504
Total interest expense	$5,064,000	2,235
Net interest income	$8,246,000	2,649
Provision for loan and lease losses	$210,000	5,722
Total noninterest income	$1,658,000	2,403
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$268,000	4,094
Trading account gains and fees	$0	211
Additional Noninterest Income	$1,390,000	1,737
Total noninterest expense	$7,059,000	2,778
Salaries and employee benefits	$3,356,000	2,899
Premises and equipment expense	$749,000	3,290
Additional noninterest expense	$2,954,000	2,379
Pre-tax net operating income	$2,635,000	1,512
Securities gains (losses)	$202,000	1,545
Applicable income taxes	$350,000	1,888
Income before extraordinary items	$2,487,000	1,349
Extraordinary gains, net	$0	34
Net income	$2,487,000	1,347
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,487,000	1,348
Net charge-offs	$331,000	4,366
Cash dividends	$409,000	2,806
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,309,240	1,415
2009-09-30 (YTD Data)		Rank
Total interest income	$9,881,000	2,555
Total interest expense	$3,932,000	2,250
Net interest income	$5,949,000	2,760
Provision for loan and lease losses	$150,000	5,500
Total noninterest income	$1,298,000	2,392
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$198,000	4,136
Trading account gains and fees	$0	212
Additional Noninterest Income	$1,100,000	1,714
Total noninterest expense	$5,253,000	2,800
Salaries and employee benefits	$2,477,000	2,969
Premises and equipment expense	$561,000	3,342
Additional noninterest expense	$2,215,000	2,351
Pre-tax net operating income	$1,844,000	1,747
Securities gains (losses)	$182,000	1,356
Applicable income taxes	$264,000	2,062
Income before extraordinary items	$1,762,000	1,523
Extraordinary gains, net	$0	27
Net income	$1,762,000	1,520
Minority interest net income	$0	118
Net income of bank and minority interests.	$1,762,000	1,523
Net charge-offs	$59,000	5,550
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,603,660	1,629
2009-06-30 (YTD Data)		Rank
Total interest income	$6,524,000	2,615
Total interest expense	$2,663,000	2,307
Net interest income	$3,861,000	2,814
Provision for loan and lease losses	$90,000	5,421
Total noninterest income	$878,000	2,382
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$126,000	4,206
Trading account gains and fees	$0	193
Additional Noninterest Income	$752,000	1,729
Total noninterest expense	$3,460,000	2,854
Salaries and employee benefits	$1,680,000	2,959
Premises and equipment expense	$366,000	3,416
Additional noninterest expense	$1,414,000	2,461
Pre-tax net operating income	$1,189,000	1,843
Securities gains (losses)	$179,000	1,081
Applicable income taxes	$225,000	1,837
Income before extraordinary items	$1,143,000	1,633
Extraordinary gains, net	$0	21
Net income	$1,143,000	1,630
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,143,000	1,632
Net charge-offs	$56,000	4,816
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$992,640	1,803
2009-03-31 (YTD Data)		Rank
Total interest income	$3,161,000	2,716
Total interest expense	$1,331,000	2,390
Net interest income	$1,830,000	2,937
Provision for loan and lease losses	$30,000	5,394
Total noninterest income	$404,000	2,494
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$58,000	4,312
Trading account gains and fees	$0	171
Additional Noninterest Income	$346,000	1,774
Total noninterest expense	$1,552,000	3,047
Salaries and employee benefits	$822,000	3,032
Premises and equipment expense	$184,000	3,448
Additional noninterest expense	$546,000	2,795
Pre-tax net operating income	$652,000	1,914
Securities gains (losses)	$71,000	1,144
Applicable income taxes	$86,000	2,332
Income before extraordinary items	$637,000	1,691
Extraordinary gains, net	$0	15
Net income	$637,000	1,692
Minority interest net income	$0	102
Net income of bank and minority interests.	$637,000	1,693
Net charge-offs	$19,000	4,361
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$574,520	1,767
2008-12-31 (YTD Data)		Rank
Total interest income	$12,309,000	2,968
Total interest expense	$5,603,000	2,674
Net interest income	$6,706,000	3,179
Provision for loan and lease losses	$0	7,334
Total noninterest income	$1,174,000	3,080
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$317,000	3,911
Trading account gains and fees	$0	154
Additional Noninterest Income	$857,000	2,358
Total noninterest expense	$5,889,000	3,133
Salaries and employee benefits	$2,978,000	3,270
Premises and equipment expense	$845,000	3,037
Additional noninterest expense	$2,066,000	2,787
Pre-tax net operating income	$1,991,000	2,456
Securities gains (losses)	$-2,860,000	7,983
Applicable income taxes	$-685,000	7,598
Income before extraordinary items	$-184,000	6,463
Extraordinary gains, net	$0	39
Net income	$-184,000	6,463
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	4,882
Cash dividends	$408,000	3,650
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$1,646,400	2,491
2008-09-30 (YTD Data)		Rank
Total interest income	$9,192,000	3,046
Total interest expense	$4,309,000	2,715
Net interest income	$4,883,000	3,282
Provision for loan and lease losses	$0	6,991
Total noninterest income	$974,000	2,956
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$243,000	3,912
Trading account gains and fees	$0	148
Additional Noninterest Income	$731,000	2,253
Total noninterest expense	$4,264,000	3,212
Salaries and employee benefits	$2,202,000	3,355
Premises and equipment expense	$629,000	3,073
Additional noninterest expense	$1,433,000	2,884
Pre-tax net operating income	$1,593,000	2,716
Securities gains (losses)	$-1,901,000	8,050
Applicable income taxes	$200,000	2,910
Income before extraordinary items	$-508,000	7,204
Extraordinary gains, net	$0	31
Net income	$-508,000	7,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-22,000	8,073
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$1,393,000	2,583
2008-06-30 (YTD Data)		Rank
Total interest income	$6,108,000	3,103
Total interest expense	$2,977,000	2,729
Net interest income	$3,131,000	3,380
Provision for loan and lease losses	$0	6,671
Total noninterest income	$573,000	3,222
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$161,000	3,926
Trading account gains and fees	$0	149
Additional Noninterest Income	$412,000	2,546
Total noninterest expense	$2,771,000	3,295
Salaries and employee benefits	$1,450,000	3,427
Premises and equipment expense	$406,000	3,173
Additional noninterest expense	$915,000	2,972
Pre-tax net operating income	$933,000	3,089
Securities gains (losses)	$15,000	2,228
Applicable income taxes	$97,000	3,485
Income before extraordinary items	$851,000	2,926
Extraordinary gains, net	$0	21
Net income	$851,000	2,926
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-18,000	8,029
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$837,500	2,913
2008-03-31 (YTD Data)		Rank
Total interest income	$3,068,000	3,165
Total interest expense	$1,549,000	2,796
Net interest income	$1,519,000	3,455
Provision for loan and lease losses	$0	6,080
Total noninterest income	$261,000	3,418
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$81,000	3,870
Trading account gains and fees	$0	158
Additional Noninterest Income	$180,000	2,725
Total noninterest expense	$1,369,000	3,323
Salaries and employee benefits	$722,000	3,468
Premises and equipment expense	$201,000	3,212
Additional noninterest expense	$446,000	3,000
Pre-tax net operating income	$411,000	3,486
Securities gains (losses)	$9,000	2,013
Applicable income taxes	$19,000	4,403
Income before extraordinary items	$401,000	3,184
Extraordinary gains, net	$0	15
Net income	$401,000	3,186
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	7,931
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$392,450	3,158
2007-12-31 (YTD Data)		Rank
Total interest income	$11,846,000	3,322
Total interest expense	$5,911,000	3,035
Net interest income	$5,935,000	3,525
Provision for loan and lease losses	$0	6,851
Total noninterest income	$1,350,000	2,892
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$328,000	3,911
Trading account gains and fees	$0	178
Additional Noninterest Income	$1,022,000	2,198
Total noninterest expense	$5,091,000	3,392
Salaries and employee benefits	$2,650,000	3,565
Premises and equipment expense	$668,000	3,553
Additional noninterest expense	$1,773,000	2,973
Pre-tax net operating income	$2,194,000	3,128
Securities gains (losses)	$2,000	1,832
Applicable income taxes	$268,000	3,521
Income before extraordinary items	$1,928,000	2,903
Extraordinary gains, net	$0	39
Net income	$1,928,000	2,902
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$75,000	4,156
Cash dividends	$409,000	4,007
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,926,240	2,896
2007-09-30 (YTD Data)		Rank
Total interest income	$8,832,000	3,339
Total interest expense	$4,337,000	3,104
Net interest income	$4,495,000	3,513
Provision for loan and lease losses	$0	6,528
Total noninterest income	$921,000	3,078
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$239,000	3,960
Trading account gains and fees	$0	184
Additional Noninterest Income	$682,000	2,368
Total noninterest expense	$3,808,000	3,380
Salaries and employee benefits	$1,975,000	3,577
Premises and equipment expense	$497,000	3,557
Additional noninterest expense	$1,336,000	2,902
Pre-tax net operating income	$1,608,000	3,311
Securities gains (losses)	$-5,000	7,616
Applicable income taxes	$189,000	3,779
Income before extraordinary items	$1,414,000	3,102
Extraordinary gains, net	$0	33
Net income	$1,414,000	3,101
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	3,644
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,418,400	3,083
2007-06-30 (YTD Data)		Rank
Total interest income	$5,776,000	3,403
Total interest expense	$2,845,000	3,133
Net interest income	$2,931,000	3,597
Provision for loan and lease losses	$0	6,209
Total noninterest income	$535,000	3,419
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$153,000	4,045
Trading account gains and fees	$0	168
Additional Noninterest Income	$382,000	2,637
Total noninterest expense	$2,460,000	3,481
Salaries and employee benefits	$1,295,000	3,649
Premises and equipment expense	$329,000	3,603
Additional noninterest expense	$836,000	3,084
Pre-tax net operating income	$1,006,000	3,522
Securities gains (losses)	$-5,000	7,859
Applicable income taxes	$109,000	4,035
Income before extraordinary items	$892,000	3,268
Extraordinary gains, net	$0	29
Net income	$892,000	3,267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	2,834
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$896,450	3,236
2007-03-31 (YTD Data)		Rank
Total interest income	$2,848,000	3,423
Total interest expense	$1,400,000	3,166
Net interest income	$1,448,000	3,641
Provision for loan and lease losses	$0	5,779
Total noninterest income	$252,000	3,508
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$72,000	4,107
Trading account gains and fees	$0	195
Additional Noninterest Income	$180,000	2,707
Total noninterest expense	$1,256,000	3,446
Salaries and employee benefits	$650,000	3,663
Premises and equipment expense	$165,000	3,612
Additional noninterest expense	$441,000	2,914
Pre-tax net operating income	$444,000	3,778
Securities gains (losses)	$1,000	1,055
Applicable income taxes	$25,000	4,759
Income before extraordinary items	$420,000	3,376
Extraordinary gains, net	$0	22
Net income	$420,000	3,376
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	6,955
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$419,060	3,358
2006-12-31 (YTD Data)		Rank
Total interest income	$10,528,000	3,446
Total interest expense	$4,607,000	3,246
Net interest income	$5,921,000	3,554
Provision for loan and lease losses	$-60,000	8,415
Total noninterest income	$993,000	3,565
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$295,000	4,167
Trading account gains and fees	$0	130
Additional Noninterest Income	$698,000	2,773
Total noninterest expense	$4,757,000	3,484
Salaries and employee benefits	$2,619,000	3,492
Premises and equipment expense	$640,000	3,585
Additional noninterest expense	$1,498,000	3,289
Pre-tax net operating income	$2,217,000	3,413
Securities gains (losses)	$-46,000	7,912
Applicable income taxes	$376,000	3,510
Income before extraordinary items	$1,795,000	3,356
Extraordinary gains, net	$0	51
Net income	$1,795,000	3,354
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$129,000	2,798
Cash dividends	$396,000	4,118
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,833,180	3,283
2006-09-30 (YTD Data)		Rank
Total interest income	$7,717,000	3,475
Total interest expense	$3,215,000	3,316
Net interest income	$4,502,000	3,539
Provision for loan and lease losses	$90,000	4,225
Total noninterest income	$756,000	3,529
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$224,000	4,178
Trading account gains and fees	$0	126
Additional Noninterest Income	$532,000	2,765
Total noninterest expense	$3,602,000	3,450
Salaries and employee benefits	$1,966,000	3,497
Premises and equipment expense	$484,000	3,559
Additional noninterest expense	$1,152,000	3,235
Pre-tax net operating income	$1,566,000	3,694
Securities gains (losses)	$-46,000	8,153
Applicable income taxes	$242,000	3,889
Income before extraordinary items	$1,278,000	3,585
Extraordinary gains, net	$0	45
Net income	$1,278,000	3,587
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	1,921
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,316,640	3,494
2006-06-30 (YTD Data)		Rank
Total interest income	$5,002,000	3,495
Total interest expense	$1,972,000	3,420
Net interest income	$3,030,000	3,522
Provision for loan and lease losses	$60,000	4,062
Total noninterest income	$500,000	3,535
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$148,000	4,169
Trading account gains and fees	$0	126
Additional Noninterest Income	$352,000	2,748
Total noninterest expense	$2,356,000	3,508
Salaries and employee benefits	$1,301,000	3,521
Premises and equipment expense	$317,000	3,616
Additional noninterest expense	$738,000	3,334
Pre-tax net operating income	$1,114,000	3,531
Securities gains (losses)	$-46,000	8,350
Applicable income taxes	$157,000	3,939
Income before extraordinary items	$911,000	3,427
Extraordinary gains, net	$0	39
Net income	$911,000	3,430
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$79,000	1,982
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$950,100	3,323
2006-03-31 (YTD Data)		Rank
Total interest income	$2,413,000	3,525
Total interest expense	$907,000	3,513
Net interest income	$1,506,000	3,527
Provision for loan and lease losses	$30,000	3,822
Total noninterest income	$249,000	3,479
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$69,000	4,247
Trading account gains and fees	$0	115
Additional Noninterest Income	$180,000	2,686
Total noninterest expense	$1,157,000	3,571
Salaries and employee benefits	$650,000	3,543
Premises and equipment expense	$162,000	3,559
Additional noninterest expense	$345,000	3,485
Pre-tax net operating income	$568,000	3,454
Securities gains (losses)	$0	955
Applicable income taxes	$53,000	4,415
Income before extraordinary items	$515,000	3,090
Extraordinary gains, net	$0	21
Net income	$515,000	3,089
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	1,727
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$515,000	3,071
2005-12-31 (YTD Data)		Rank
Total interest income	$8,947,000	3,439
Total interest expense	$3,102,000	3,239
Net interest income	$5,845,000	3,503
Provision for loan and lease losses	$90,000	4,964
Total noninterest income	$979,000	3,615
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$318,000	4,047
Trading account gains and fees	$0	138
Additional Noninterest Income	$661,000	2,872
Total noninterest expense	$4,487,000	3,547
Salaries and employee benefits	$2,494,000	3,493
Premises and equipment expense	$598,000	3,668
Additional noninterest expense	$1,395,000	3,425
Pre-tax net operating income	$2,247,000	3,408
Securities gains (losses)	$10,000	1,476
Applicable income taxes	$443,000	3,552
Income before extraordinary items	$1,814,000	3,339
Extraordinary gains, net	$0	46
Net income	$1,814,000	3,341
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$63,000	3,989
Cash dividends	$412,000	3,940
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,806,000	3,315
2005-09-30 (YTD Data)		Rank
Total interest income	$6,572,000	3,440
Total interest expense	$2,289,000	3,149
Net interest income	$4,283,000	3,560
Provision for loan and lease losses	$60,000	4,948
Total noninterest income	$719,000	3,680
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$235,000	4,095
Trading account gains and fees	$0	126
Additional Noninterest Income	$484,000	2,947
Total noninterest expense	$3,343,000	3,526
Salaries and employee benefits	$1,840,000	3,507
Premises and equipment expense	$448,000	3,671
Additional noninterest expense	$1,055,000	3,371
Pre-tax net operating income	$1,599,000	3,580
Securities gains (losses)	$8,000	1,553
Applicable income taxes	$302,000	3,800
Income before extraordinary items	$1,305,000	3,472
Extraordinary gains, net	$0	35
Net income	$1,305,000	3,473
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	3,419
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,298,520	3,444
2005-06-30 (YTD Data)		Rank
Total interest income	$4,259,000	3,449
Total interest expense	$1,504,000	3,034
Net interest income	$2,755,000	3,642
Provision for loan and lease losses	$30,000	5,130
Total noninterest income	$450,000	3,769
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$151,000	4,136
Trading account gains and fees	$0	116
Additional Noninterest Income	$299,000	3,060
Total noninterest expense	$2,194,000	3,555
Salaries and employee benefits	$1,222,000	3,510
Premises and equipment expense	$293,000	3,693
Additional noninterest expense	$679,000	3,438
Pre-tax net operating income	$981,000	3,768
Securities gains (losses)	$6,000	1,523
Applicable income taxes	$167,000	4,090
Income before extraordinary items	$820,000	3,586
Extraordinary gains, net	$0	30
Net income	$820,000	3,588
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	3,782
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$815,020	3,554
2005-03-31 (YTD Data)		Rank
Total interest income	$2,059,000	3,506
Total interest expense	$727,000	3,025
Net interest income	$1,332,000	3,740
Provision for loan and lease losses	$12,000	5,254
Total noninterest income	$203,000	3,947
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$73,000	4,143
Trading account gains and fees	$0	115
Additional Noninterest Income	$130,000	3,252
Total noninterest expense	$1,138,000	3,459
Salaries and employee benefits	$635,000	3,395
Premises and equipment expense	$147,000	3,704
Additional noninterest expense	$356,000	3,320
Pre-tax net operating income	$385,000	4,372
Securities gains (losses)	$5,000	1,192
Applicable income taxes	$51,000	4,729
Income before extraordinary items	$339,000	4,039
Extraordinary gains, net	$0	24
Net income	$339,000	4,041
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	2,934
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$334,650	4,035
2004-12-31 (YTD Data)		Rank
Total interest income	$8,267,000	3,324
Total interest expense	$2,605,000	2,943
Net interest income	$5,662,000	3,450
Provision for loan and lease losses	$48,000	5,981
Total noninterest income	$918,000	3,743
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$298,000	4,328
Trading account gains and fees	$0	138
Additional Noninterest Income	$620,000	2,927
Total noninterest expense	$4,464,000	3,435
Salaries and employee benefits	$2,541,000	3,307
Premises and equipment expense	$579,000	3,632
Additional noninterest expense	$1,344,000	3,428
Pre-tax net operating income	$2,068,000	3,420
Securities gains (losses)	$115,000	1,154
Applicable income taxes	$416,000	3,656
Income before extraordinary items	$1,767,000	3,228
Extraordinary gains, net	$0	34
Net income	$1,767,000	3,227
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-45,000	8,650
Cash dividends	$397,000	3,937
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,673,850	3,289
2004-09-30 (YTD Data)		Rank
Total interest income	$6,163,000	3,317
Total interest expense	$1,933,000	2,922
Net interest income	$4,230,000	3,439
Provision for loan and lease losses	$36,000	5,817
Total noninterest income	$684,000	3,793
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$221,000	4,392
Trading account gains and fees	$0	134
Additional Noninterest Income	$463,000	2,930
Total noninterest expense	$3,332,000	3,422
Salaries and employee benefits	$1,845,000	3,364
Premises and equipment expense	$441,000	3,597
Additional noninterest expense	$1,046,000	3,293
Pre-tax net operating income	$1,546,000	3,501
Securities gains (losses)	$40,000	1,826
Applicable income taxes	$241,000	4,147
Income before extraordinary items	$1,345,000	3,249
Extraordinary gains, net	$0	26
Net income	$1,345,000	3,250
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-52,000	8,671
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,311,000	3,240
2004-06-30 (YTD Data)		Rank
Total interest income	$4,107,000	3,318
Total interest expense	$1,288,000	2,916
Net interest income	$2,819,000	3,432
Provision for loan and lease losses	$24,000	5,696
Total noninterest income	$426,000	3,949
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$139,000	4,512
Trading account gains and fees	$0	130
Additional Noninterest Income	$287,000	3,065
Total noninterest expense	$2,204,000	3,467
Salaries and employee benefits	$1,228,000	3,376
Premises and equipment expense	$295,000	3,605
Additional noninterest expense	$681,000	3,376
Pre-tax net operating income	$1,017,000	3,491
Securities gains (losses)	$39,000	1,614
Applicable income taxes	$143,000	4,330
Income before extraordinary items	$913,000	3,168
Extraordinary gains, net	$0	21
Net income	$913,000	3,167
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-61,000	8,788
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$879,460	3,195
2004-03-31 (YTD Data)		Rank
Total interest income	$2,053,000	3,324
Total interest expense	$642,000	2,959
Net interest income	$1,411,000	3,420
Provision for loan and lease losses	$12,000	5,458
Total noninterest income	$205,000	4,006
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$67,000	4,509
Trading account gains and fees	$0	121
Additional Noninterest Income	$138,000	3,082
Total noninterest expense	$1,113,000	3,459
Salaries and employee benefits	$618,000	3,370
Premises and equipment expense	$149,000	3,610
Additional noninterest expense	$346,000	3,320
Pre-tax net operating income	$491,000	3,574
Securities gains (losses)	$39,000	1,343
Applicable income taxes	$60,000	4,582
Income before extraordinary items	$470,000	3,085
Extraordinary gains, net	$0	16
Net income	$470,000	3,085
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-82,000	8,938
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$435,290	3,167
2003-12-31 (YTD Data)		Rank
Total interest income	$8,282,000	3,345
Total interest expense	$2,821,000	3,025
Net interest income	$5,461,000	3,456
Provision for loan and lease losses	$0	7,651
Total noninterest income	$873,000	4,016
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$278,000	4,492
Trading account gains and fees	$0	160
Additional Noninterest Income	$595,000	3,275
Total noninterest expense	$4,178,000	3,584
Salaries and employee benefits	$2,328,000	3,467
Premises and equipment expense	$549,000	3,786
Additional noninterest expense	$1,301,000	3,489
Pre-tax net operating income	$2,156,000	3,223
Securities gains (losses)	$89,000	1,992
Applicable income taxes	$422,000	3,673
Income before extraordinary items	$1,823,000	3,075
Extraordinary gains, net	$0	54
Net income	$1,823,000	3,074
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	6,493
Cash dividends	$402,000	3,883
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,750,910	3,020
2003-09-30 (YTD Data)		Rank
Total interest income	$6,139,000	3,420
Total interest expense	$2,130,000	3,113
Net interest income	$4,009,000	3,523
Provision for loan and lease losses	$0	7,481
Total noninterest income	$645,000	4,114
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$210,000	4,482
Trading account gains and fees	$0	153
Additional Noninterest Income	$435,000	3,387
Total noninterest expense	$3,039,000	3,671
Salaries and employee benefits	$1,671,000	3,573
Premises and equipment expense	$407,000	3,803
Additional noninterest expense	$961,000	3,511
Pre-tax net operating income	$1,615,000	3,362
Securities gains (losses)	$41,000	2,488
Applicable income taxes	$284,000	4,018
Income before extraordinary items	$1,372,000	3,173
Extraordinary gains, net	$0	40
Net income	$1,372,000	3,172
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	5,642
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,337,970	3,073
2003-06-30 (YTD Data)		Rank
Total interest income	$4,010,000	3,512
Total interest expense	$1,403,000	3,237
Net interest income	$2,607,000	3,580
Provision for loan and lease losses	$0	7,324
Total noninterest income	$421,000	4,125
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$138,000	4,480
Trading account gains and fees	$0	150
Additional Noninterest Income	$283,000	3,411
Total noninterest expense	$1,996,000	3,699
Salaries and employee benefits	$1,097,000	3,614
Premises and equipment expense	$268,000	3,827
Additional noninterest expense	$631,000	3,563
Pre-tax net operating income	$1,032,000	3,451
Securities gains (losses)	$31,000	2,340
Applicable income taxes	$178,000	4,201
Income before extraordinary items	$885,000	3,248
Extraordinary gains, net	$0	30
Net income	$885,000	3,248
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	5,737
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$859,270	3,149
2003-03-31 (YTD Data)		Rank
Total interest income	$1,972,000	3,569
Total interest expense	$676,000	3,409
Net interest income	$1,296,000	3,593
Provision for loan and lease losses	$0	6,934
Total noninterest income	$202,000	4,139
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$68,000	4,446
Trading account gains and fees	$0	134
Additional Noninterest Income	$134,000	3,408
Total noninterest expense	$999,000	3,672
Salaries and employee benefits	$541,000	3,652
Premises and equipment expense	$135,000	3,814
Additional noninterest expense	$323,000	3,421
Pre-tax net operating income	$499,000	3,499
Securities gains (losses)	$18,000	1,950
Applicable income taxes	$80,000	4,357
Income before extraordinary items	$437,000	3,252
Extraordinary gains, net	$0	21
Net income	$437,000	3,250
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,678
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$421,700	3,170
2002-12-31 (YTD Data)		Rank
Total interest income	$8,340,000	3,525
Total interest expense	$3,078,000	3,475
Net interest income	$5,262,000	3,503
Provision for loan and lease losses	$130,000	5,190
Total noninterest income	$827,000	3,906
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$281,000	4,375
Trading account gains and fees	$0	153
Additional Noninterest Income	$546,000	3,127
Total noninterest expense	$3,914,000	3,617
Salaries and employee benefits	$2,203,000	3,453
Premises and equipment expense	$495,000	3,959
Additional noninterest expense	$1,216,000	3,576
Pre-tax net operating income	$2,045,000	3,371
Securities gains (losses)	$132,000	1,494
Applicable income taxes	$485,000	3,507
Income before extraordinary items	$1,692,000	3,195
Extraordinary gains, net	$0	70
Net income	$1,692,000	3,194
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,566
Cash dividends	$313,000	4,241
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,589,040	3,254
2001-12-31 (YTD Data)		Rank
Total interest income	$9,112,000	3,605
Total interest expense	$4,480,000	3,461
Net interest income	$4,632,000	3,658
Provision for loan and lease losses	$0	8,228
Total noninterest income	$668,000	4,302
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$280,000	4,336
Trading account gains and fees	$0	177
Additional Noninterest Income	$388,000	3,596
Total noninterest expense	$3,564,000	3,770
Salaries and employee benefits	$1,993,000	3,602
Premises and equipment expense	$451,000	4,231
Additional noninterest expense	$1,120,000	3,716
Pre-tax net operating income	$1,736,000	3,508
Securities gains (losses)	$89,000	1,844
Applicable income taxes	$360,000	3,933
Income before extraordinary items	$1,465,000	3,281
Extraordinary gains, net	$0	105
Net income	$1,465,000	3,286
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	6,947
Cash dividends	$265,000	4,584
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,393,800	3,314
2000-12-31 (YTD Data)		Rank
Total interest income	$8,498,000	3,935
Total interest expense	$4,134,000	3,874
Net interest income	$4,364,000	3,904
Provision for loan and lease losses	$0	8,337
Total noninterest income	$471,000	5,071
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$258,000	4,441
Trading account gains and fees	$0	180
Additional Noninterest Income	$213,000	4,653
Total noninterest expense	$3,256,000	3,952
Salaries and employee benefits	$1,894,000	3,634
Premises and equipment expense	$456,000	4,092
Additional noninterest expense	$906,000	4,310
Pre-tax net operating income	$1,579,000	3,924
Securities gains (losses)	$-94,000	9,398
Applicable income taxes	$380,000	4,086
Income before extraordinary items	$1,105,000	4,087
Extraordinary gains, net	$0	38
Net income	$1,105,000	4,088
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,148
Cash dividends	$281,000	4,614
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,174,560	3,910
1999-12-31 (YTD Data)		Rank
Total interest income	$7,833,000	3,993
Total interest expense	$3,725,000	3,815
Net interest income	$4,108,000	4,077
Provision for loan and lease losses	$0	8,503
Total noninterest income	$406,000	5,562
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$225,000	4,800
Trading account gains and fees	$0	173
Additional Noninterest Income	$181,000	5,180
Total noninterest expense	$3,038,000	4,165
Salaries and employee benefits	$1,757,000	3,820
Premises and equipment expense	$429,000	4,289
Additional noninterest expense	$852,000	4,585
Pre-tax net operating income	$1,476,000	4,144
Securities gains (losses)	$9,000	1,806
Applicable income taxes	$344,000	4,508
Income before extraordinary items	$1,141,000	4,023
Extraordinary gains, net	$0	35
Net income	$1,141,000	4,025
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,102
Cash dividends	$278,000	4,691
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,134,070	4,001
1998-12-31 (YTD Data)		Rank
Total interest income	$7,184,000	4,310
Total interest expense	$3,569,000	4,052
Net interest income	$3,615,000	4,461
Provision for loan and lease losses	$0	8,652
Total noninterest income	$292,000	6,562
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$176,000	5,486
Trading account gains and fees	NA	NA
Additional Noninterest Income	$116,000	6,276
Total noninterest expense	$2,771,000	4,418
Salaries and employee benefits	$1,593,000	4,055
Premises and equipment expense	$413,000	4,312
Additional noninterest expense	$765,000	4,822
Pre-tax net operating income	$1,136,000	5,048
Securities gains (losses)	$185,000	962
Applicable income taxes	$223,000	5,916
Income before extraordinary items	$1,098,000	4,194
Extraordinary gains, net	$0	32
Net income	$1,098,000	4,193
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,124
Cash dividends	$1,273,000	1,868
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$944,450	4,585
1997-12-31 (YTD Data)		Rank
Total interest income	$6,216,000	4,922
Total interest expense	$2,815,000	4,971
Net interest income	$3,401,000	4,831
Provision for loan and lease losses	$0	8,829
Total noninterest income	$211,000	7,699
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$135,000	6,454
Trading account gains and fees	NA	NA
Additional Noninterest Income	$76,000	7,510
Total noninterest expense	$2,399,000	4,952
Salaries and employee benefits	$1,397,000	4,508
Premises and equipment expense	$374,000	4,672
Additional noninterest expense	$628,000	5,633
Pre-tax net operating income	$1,213,000	5,212
Securities gains (losses)	$-24,000	10,433
Applicable income taxes	$155,000	7,534
Income before extraordinary items	$1,034,000	4,585
Extraordinary gains, net	$0	44
Net income	$1,034,000	4,584
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-99,000	10,708
Cash dividends	$245,000	4,995
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,054,880	4,450
1996-12-31 (YTD Data)		Rank
Total interest income	$5,591,000	5,448
Total interest expense	$2,466,000	5,563
Net interest income	$3,125,000	5,293
Provision for loan and lease losses	$0	9,041
Total noninterest income	$162,000	8,818
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	7,040
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	9,308
Total noninterest expense	$2,059,000	5,826
Salaries and employee benefits	$1,229,000	5,093
Premises and equipment expense	$297,000	5,639
Additional noninterest expense	$533,000	6,810
Pre-tax net operating income	$1,228,000	5,039
Securities gains (losses)	$-21,000	10,654
Applicable income taxes	$355,000	5,274
Income before extraordinary items	$852,000	5,070
Extraordinary gains, net	$0	53
Net income	$852,000	5,070
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$102,000	3,890
Cash dividends	$232,000	5,137
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$866,910	4,949
1995-12-31 (YTD Data)		Rank
Total interest income	$5,493,000	5,596
Total interest expense	$2,518,000	5,532
Net interest income	$2,975,000	5,529
Provision for loan and lease losses	$0	8,958
Total noninterest income	$154,000	9,241
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$110,000	7,544
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	9,521
Total noninterest expense	$1,937,000	6,133
Salaries and employee benefits	$1,168,000	5,334
Premises and equipment expense	$196,000	7,269
Additional noninterest expense	$573,000	6,701
Pre-tax net operating income	$1,192,000	5,265
Securities gains (losses)	$-49,000	11,160
Applicable income taxes	$262,000	6,486
Income before extraordinary items	$881,000	5,076
Extraordinary gains, net	$0	65
Net income	$881,000	5,077
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$178,000	2,687
Cash dividends	$205,000	5,405
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$918,730	4,910
1994-12-31 (YTD Data)		Rank
Total interest income	$4,984,000	5,679
Total interest expense	$2,264,000	5,052
Net interest income	$2,720,000	6,064
Provision for loan and lease losses	$0	9,146
Total noninterest income	$138,000	9,955
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$103,000	8,012
Trading account gains and fees	NA	NA
Additional Noninterest Income	$35,000	10,473
Total noninterest expense	$1,887,000	6,482
Salaries and employee benefits	$1,071,000	5,768
Premises and equipment expense	$218,000	7,087
Additional noninterest expense	$598,000	7,056
Pre-tax net operating income	$971,000	6,079
Securities gains (losses)	$-47,000	10,984
Applicable income taxes	$189,000	7,532
Income before extraordinary items	$735,000	5,693
Extraordinary gains, net	$0	249
Net income	$735,000	5,710
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-388,000	12,511
Cash dividends	$181,000	5,700
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$772,600	5,568
1993-12-31 (YTD Data)		Rank
Total interest income	$4,830,000	5,952
Total interest expense	$2,219,000	5,341
Net interest income	$2,611,000	6,335
Provision for loan and lease losses	$120,000	5,200
Total noninterest income	$151,000	10,182
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$90,000	8,693
Trading account gains and fees	NA	NA
Additional Noninterest Income	$61,000	9,494
Total noninterest expense	$1,873,000	6,692
Salaries and employee benefits	$1,077,000	5,752
Premises and equipment expense	$198,000	7,726
Additional noninterest expense	$598,000	7,361
Pre-tax net operating income	$769,000	6,975
Securities gains (losses)	$59,000	3,175
Applicable income taxes	$148,000	8,695
Income before extraordinary items	$680,000	6,238
Extraordinary gains, net	$236,000	884
Net income	$916,000	5,176
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-55,000	12,701
Cash dividends	$160,000	5,928
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$631,620	6,314
1992-12-31 (YTD Data)		Rank
Total interest income	$4,673,000	6,706
Total interest expense	$2,146,000	6,768
Net interest income	$2,527,000	6,537
Provision for loan and lease losses	$120,000	6,707
Total noninterest income	$162,000	10,242
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$90,000	8,836
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	9,195
Total noninterest expense	$1,788,000	6,983
Salaries and employee benefits	$1,072,000	5,691
Premises and equipment expense	$187,000	8,147
Additional noninterest expense	$529,000	8,202
Pre-tax net operating income	$781,000	6,658
Securities gains (losses)	$79,000	3,391
Applicable income taxes	$187,000	7,817
Income before extraordinary items	$673,000	6,081
Extraordinary gains, net	$0	1,422
Net income	$673,000	6,149
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$264,000	3,605
Cash dividends	$377,000	3,469
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$611,380	6,127

* 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.