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Wheaton Bank & Trust, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$155,080,000	368
Total interest expense	$60,123,000	345
Net interest income	$94,957,000	383
Provision for loan and lease losses	$5,682,000	300
Total noninterest income	$10,983,000	691
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$2,700,000	437
Trading account gains and fees	$372,000	85
Additional Noninterest Income	$7,911,000	637
Total noninterest expense	$40,740,000	677
Salaries and employee benefits	$18,380,000	823
Premises and equipment expense	$2,302,000	1,078
Additional noninterest expense	$7,911,000	637
Pre-tax net operating income	$59,518,000	305
Securities gains (losses)	$39,000	460
Applicable income taxes	$15,764,000	244
Income before extraordinary items	$43,793,000	314
Extraordinary gains, net	$0	54
Net income	$43,793,000	319
Minority interest net income	$0	88
Net income of bank and minority interests.	$43,793,000	316
Net charge-offs	$1,495,000	433
Cash dividends	$17,000,000	331
Sale, conversion, retirement of capital stock, net	$665,000	240
Net operating income	$43,762,190	328
2023-09-30 (YTD Data)		Rank
Total interest income	$111,381,000	373
Total interest expense	$41,683,000	345
Net interest income	$69,698,000	397
Provision for loan and lease losses	$3,872,000	311
Total noninterest income	$8,559,000	679
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$1,910,000	456
Trading account gains and fees	$124,000	97
Additional Noninterest Income	$6,525,000	609
Total noninterest expense	$28,392,000	727
Salaries and employee benefits	$13,420,000	849
Premises and equipment expense	$1,718,000	1,078
Additional noninterest expense	$6,525,000	609
Pre-tax net operating income	$45,993,000	310
Securities gains (losses)	$0	849
Applicable income taxes	$12,266,000	247
Income before extraordinary items	$33,727,000	325
Extraordinary gains, net	$0	52
Net income	$33,727,000	328
Minority interest net income	$0	81
Net income of bank and minority interests.	$33,727,000	325
Net charge-offs	$831,000	448
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$211,000	318
Net operating income	$33,727,000	334
2023-06-30 (YTD Data)		Rank
Total interest income	$70,999,000	373
Total interest expense	$24,365,000	346
Net interest income	$46,634,000	393
Provision for loan and lease losses	$3,128,000	271
Total noninterest income	$6,184,000	643
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$1,188,000	465
Trading account gains and fees	$101,000	88
Additional Noninterest Income	$4,895,000	545
Total noninterest expense	$19,563,000	688
Salaries and employee benefits	$8,936,000	841
Premises and equipment expense	$1,201,000	1,027
Additional noninterest expense	$4,895,000	545
Pre-tax net operating income	$30,127,000	318
Securities gains (losses)	$25,000	402
Applicable income taxes	$8,042,000	252
Income before extraordinary items	$22,110,000	337
Extraordinary gains, net	$0	51
Net income	$22,110,000	344
Minority interest net income	$0	81
Net income of bank and minority interests.	$22,110,000	338
Net charge-offs	$687,000	368
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$307,000	218
Net operating income	$22,090,250	340
2023-03-31 (YTD Data)		Rank
Total interest income	$33,289,000	395
Total interest expense	$9,550,000	372
Net interest income	$23,739,000	395
Provision for loan and lease losses	$871,000	386
Total noninterest income	$3,369,000	593
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$551,000	508
Trading account gains and fees	$65,000	85
Additional Noninterest Income	$2,753,000	493
Total noninterest expense	$9,803,000	702
Salaries and employee benefits	$4,421,000	858
Premises and equipment expense	$572,000	1,107
Additional noninterest expense	$2,753,000	493
Pre-tax net operating income	$16,434,000	305
Securities gains (losses)	$37,000	320
Applicable income taxes	$4,371,000	247
Income before extraordinary items	$12,100,000	320
Extraordinary gains, net	$0	4
Net income	$12,100,000	321
Minority interest net income	$0	48
Net income of bank and minority interests.	$12,100,000	321
Net charge-offs	$296,000	364
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$157,000	197
Net operating income	$12,070,770	324
2022-12-31 (YTD Data)		Rank
Total interest income	$89,901,000	456
Total interest expense	$12,174,000	390
Net interest income	$77,727,000	462
Provision for loan and lease losses	$7,328,000	210
Total noninterest income	$12,380,000	667
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$2,896,000	427
Trading account gains and fees	$646,000	80
Additional Noninterest Income	$8,838,000	615
Total noninterest expense	$35,745,000	731
Salaries and employee benefits	$15,367,000	931
Premises and equipment expense	$2,172,000	1,124
Additional noninterest expense	$8,838,000	615
Pre-tax net operating income	$47,034,000	398
Securities gains (losses)	$-106,000	3,923
Applicable income taxes	$12,622,000	320
Income before extraordinary items	$34,306,000	419
Extraordinary gains, net	$0	5
Net income	$34,306,000	420
Minority interest net income	$0	63
Net income of bank and minority interests.	$34,306,000	420
Net charge-offs	$3,092,000	217
Cash dividends	$3,000,000	1,131
Sale, conversion, retirement of capital stock, net	$599,000	298
Net operating income	$34,389,740	424
2022-09-30 (YTD Data)		Rank
Total interest income	$59,582,000	479
Total interest expense	$5,697,000	419
Net interest income	$53,885,000	485
Provision for loan and lease losses	$3,938,000	247
Total noninterest income	$10,245,000	635
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$2,339,000	408
Trading account gains and fees	$1,172,000	69
Additional Noninterest Income	$6,734,000	621
Total noninterest expense	$25,853,000	755
Salaries and employee benefits	$11,301,000	948
Premises and equipment expense	$1,584,000	1,146
Additional noninterest expense	$6,734,000	621
Pre-tax net operating income	$34,339,000	405
Securities gains (losses)	$-109,000	4,238
Applicable income taxes	$9,182,000	339
Income before extraordinary items	$25,048,000	426
Extraordinary gains, net	$0	4
Net income	$25,048,000	425
Minority interest net income	$0	57
Net income of bank and minority interests.	$25,048,000	426
Net charge-offs	$3,059,000	171
Cash dividends	$3,000,000	841
Sale, conversion, retirement of capital stock, net	$466,000	262
Net operating income	$25,134,110	434
2022-06-30 (YTD Data)		Rank
Total interest income	$36,003,000	500
Total interest expense	$2,818,000	435
Net interest income	$33,185,000	504
Provision for loan and lease losses	$5,433,000	136
Total noninterest income	$6,569,000	651
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$1,639,000	392
Trading account gains and fees	$457,000	71
Additional Noninterest Income	$4,473,000	637
Total noninterest expense	$16,846,000	761
Salaries and employee benefits	$7,234,000	975
Premises and equipment expense	$1,057,000	1,134
Additional noninterest expense	$8,555,000	486
Pre-tax net operating income	$17,475,000	470
Securities gains (losses)	$-72,000	4,303
Applicable income taxes	$4,690,000	380
Income before extraordinary items	$12,713,000	505
Extraordinary gains, net	$0	4
Net income	$12,713,000	504
Minority interest net income	$0	60
Net income of bank and minority interests.	$12,713,000	505
Net charge-offs	$3,643,000	116
Cash dividends	$3,000,000	613
Sale, conversion, retirement of capital stock, net	$256,000	270
Net operating income	$12,769,880	512
2022-03-31 (YTD Data)		Rank
Total interest income	$17,005,000	516
Total interest expense	$1,200,000	463
Net interest income	$15,805,000	513
Provision for loan and lease losses	$987,000	202
Total noninterest income	$3,601,000	610
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$812,000	394
Trading account gains and fees	$455,000	65
Additional Noninterest Income	$2,334,000	632
Total noninterest expense	$8,439,000	765
Salaries and employee benefits	$3,609,000	978
Premises and equipment expense	$519,000	1,165
Additional noninterest expense	$4,311,000	478
Pre-tax net operating income	$9,980,000	423
Securities gains (losses)	$-43,000	4,424
Applicable income taxes	$2,671,000	346
Income before extraordinary items	$7,266,000	451
Extraordinary gains, net	$0	4
Net income	$7,266,000	450
Minority interest net income	$0	50
Net income of bank and minority interests.	$7,266,000	451
Net charge-offs	$757,000	182
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$163,000	217
Net operating income	$7,299,970	457
2021-12-31 (YTD Data)		Rank
Total interest income	$67,773,000	515
Total interest expense	$6,216,000	438
Net interest income	$61,557,000	519
Provision for loan and lease losses	$-4,126,000	4,660
Total noninterest income	$11,597,000	747
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$2,801,000	418
Trading account gains and fees	$347,000	101
Additional Noninterest Income	$8,449,000	750
Total noninterest expense	$33,780,000	757
Salaries and employee benefits	$14,207,000	980
Premises and equipment expense	$2,085,000	1,172
Additional noninterest expense	$17,488,000	479
Pre-tax net operating income	$43,500,000	425
Securities gains (losses)	$-53,000	4,570
Applicable income taxes	$11,628,000	356
Income before extraordinary items	$31,819,000	459
Extraordinary gains, net	$0	10
Net income	$31,819,000	459
Minority interest net income	$0	74
Net income of bank and minority interests.	$31,819,000	460
Net charge-offs	$1,413,000	344
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$373,000	345
Net operating income	$31,860,870	450
2021-09-30 (YTD Data)		Rank
Total interest income	$50,680,000	522
Total interest expense	$4,965,000	437
Net interest income	$45,715,000	526
Provision for loan and lease losses	$-4,608,000	4,751
Total noninterest income	$8,260,000	799
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$2,024,000	430
Trading account gains and fees	$54,000	123
Additional Noninterest Income	$6,182,000	793
Total noninterest expense	$25,182,000	768
Salaries and employee benefits	$10,723,000	982
Premises and equipment expense	$1,578,000	1,179
Additional noninterest expense	$12,881,000	488
Pre-tax net operating income	$33,401,000	429
Securities gains (losses)	$-46,000	4,726
Applicable income taxes	$8,822,000	364
Income before extraordinary items	$24,533,000	458
Extraordinary gains, net	$0	8
Net income	$24,533,000	457
Minority interest net income	$0	69
Net income of bank and minority interests.	$24,533,000	458
Net charge-offs	$213,000	770
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$208,000	339
Net operating income	$24,569,340	448
2021-06-30 (YTD Data)		Rank
Total interest income	$33,523,000	520
Total interest expense	$3,561,000	430
Net interest income	$29,962,000	524
Provision for loan and lease losses	$-4,549,000	4,800
Total noninterest income	$5,454,000	808
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$1,308,000	430
Trading account gains and fees	$55,000	121
Additional Noninterest Income	$4,091,000	798
Total noninterest expense	$16,792,000	765
Salaries and employee benefits	$7,277,000	959
Premises and equipment expense	$1,089,000	1,122
Additional noninterest expense	$8,426,000	481
Pre-tax net operating income	$23,173,000	417
Securities gains (losses)	$-43,000	4,791
Applicable income taxes	$6,109,000	354
Income before extraordinary items	$17,021,000	444
Extraordinary gains, net	$0	6
Net income	$17,021,000	443
Minority interest net income	$0	67
Net income of bank and minority interests.	$17,021,000	444
Net charge-offs	$340,000	487
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$130,000	321
Net operating income	$17,054,970	438
2021-03-31 (YTD Data)		Rank
Total interest income	$16,274,000	530
Total interest expense	$1,842,000	440
Net interest income	$14,432,000	542
Provision for loan and lease losses	$-4,135,000	4,868
Total noninterest income	$2,936,000	761
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$641,000	432
Trading account gains and fees	$29,000	116
Additional Noninterest Income	$2,266,000	747
Total noninterest expense	$8,177,000	775
Salaries and employee benefits	$3,535,000	980
Premises and equipment expense	$554,000	1,119
Additional noninterest expense	$4,088,000	476
Pre-tax net operating income	$13,326,000	372
Securities gains (losses)	$-32,000	4,785
Applicable income taxes	$3,500,000	316
Income before extraordinary items	$9,794,000	412
Extraordinary gains, net	$0	3
Net income	$9,794,000	410
Minority interest net income	$0	55
Net income of bank and minority interests.	$9,794,000	412
Net charge-offs	$376,000	303
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$54,000	315
Net operating income	$9,819,280	401
2020-12-31 (YTD Data)		Rank
Total interest income	$69,804,000	500
Total interest expense	$12,052,000	426
Net interest income	$57,752,000	513
Provision for loan and lease losses	$9,655,000	363
Total noninterest income	$9,954,000	799
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$2,190,000	491
Trading account gains and fees	$1,075,000	87
Additional Noninterest Income	$6,689,000	836
Total noninterest expense	$33,616,000	741
Salaries and employee benefits	$13,535,000	985
Premises and equipment expense	$2,050,000	1,156
Additional noninterest expense	$18,031,000	447
Pre-tax net operating income	$24,435,000	501
Securities gains (losses)	$48,000	1,744
Applicable income taxes	$5,414,000	458
Income before extraordinary items	$19,069,000	541
Extraordinary gains, net	$0	4
Net income	$19,069,000	541
Minority interest net income	$0	72
Net income of bank and minority interests.	$19,069,000	541
Net charge-offs	$132,000	1,807
Cash dividends	$4,000,000	901
Sale, conversion, retirement of capital stock, net	$-116,000	4,935
Net operating income	$19,031,080	522
2020-09-30 (YTD Data)		Rank
Total interest income	$53,466,000	485
Total interest expense	$9,860,000	429
Net interest income	$43,606,000	501
Provision for loan and lease losses	$8,903,000	330
Total noninterest income	$7,192,000	801
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$1,575,000	499
Trading account gains and fees	$815,000	89
Additional Noninterest Income	$4,802,000	831
Total noninterest expense	$24,843,000	741
Salaries and employee benefits	$10,191,000	967
Premises and equipment expense	$1,543,000	1,145
Additional noninterest expense	$13,109,000	446
Pre-tax net operating income	$17,052,000	502
Securities gains (losses)	$49,000	1,545
Applicable income taxes	$3,537,000	479
Income before extraordinary items	$13,564,000	532
Extraordinary gains, net	$0	4
Net income	$13,564,000	531
Minority interest net income	$0	65
Net income of bank and minority interests.	$13,564,000	532
Net charge-offs	$293,000	1,031
Cash dividends	$4,000,000	666
Sale, conversion, retirement of capital stock, net	$-22,000	4,969
Net operating income	$13,525,290	519
2020-06-30 (YTD Data)		Rank
Total interest income	$36,165,000	485
Total interest expense	$7,270,000	426
Net interest income	$28,895,000	500
Provision for loan and lease losses	$7,633,000	306
Total noninterest income	$4,702,000	763
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$987,000	523
Trading account gains and fees	$560,000	89
Additional Noninterest Income	$3,155,000	782
Total noninterest expense	$18,029,000	683
Salaries and employee benefits	$6,788,000	963
Premises and equipment expense	$1,057,000	1,112
Additional noninterest expense	$10,184,000	391
Pre-tax net operating income	$7,935,000	638
Securities gains (losses)	$39,000	1,403
Applicable income taxes	$2,053,000	487
Income before extraordinary items	$5,921,000	729
Extraordinary gains, net	$0	4
Net income	$5,921,000	729
Minority interest net income	$0	65
Net income of bank and minority interests.	$5,921,000	729
Net charge-offs	$110,000	1,315
Cash dividends	$4,000,000	512
Sale, conversion, retirement of capital stock, net	$-48,000	5,011
Net operating income	$5,890,190	702
2020-03-31 (YTD Data)		Rank
Total interest income	$17,863,000	494
Total interest expense	$4,042,000	431
Net interest income	$13,821,000	511
Provision for loan and lease losses	$2,029,000	396
Total noninterest income	$2,375,000	732
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$464,000	649
Trading account gains and fees	$262,000	84
Additional Noninterest Income	$1,649,000	686
Total noninterest expense	$8,594,000	712
Salaries and employee benefits	$3,350,000	980
Premises and equipment expense	$548,000	1,099
Additional noninterest expense	$4,696,000	414
Pre-tax net operating income	$5,573,000	423
Securities gains (losses)	$27,000	1,058
Applicable income taxes	$1,440,000	342
Income before extraordinary items	$4,160,000	485
Extraordinary gains, net	$0	4
Net income	$4,160,000	484
Minority interest net income	$0	56
Net income of bank and minority interests.	$4,160,000	485
Net charge-offs	$-137,000	5,003
Cash dividends	$4,000,000	333
Sale, conversion, retirement of capital stock, net	$-56,000	5,069
Net operating income	$4,138,670	468
2019-12-31 (YTD Data)		Rank
Total interest income	$73,334,000	483
Total interest expense	$16,081,000	459
Net interest income	$57,253,000	490
Provision for loan and lease losses	$5,795,000	238
Total noninterest income	$7,755,000	834
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$1,599,000	769
Trading account gains and fees	$739,000	95
Additional Noninterest Income	$5,417,000	787
Total noninterest expense	$28,552,000	797
Salaries and employee benefits	$12,877,000	980
Premises and equipment expense	$4,531,000	567
Additional noninterest expense	$11,144,000	635
Pre-tax net operating income	$30,661,000	439
Securities gains (losses)	$183,000	667
Applicable income taxes	$7,773,000	378
Income before extraordinary items	$23,071,000	482
Extraordinary gains, net	$0	11
Net income	$23,071,000	483
Minority interest net income	$0	76
Net income of bank and minority interests.	$23,071,000	483
Net charge-offs	$5,559,000	202
Cash dividends	$4,000,000	959
Sale, conversion, retirement of capital stock, net	$166,000	422
Net operating income	$22,926,430	476
2019-09-30 (YTD Data)		Rank
Total interest income	$54,667,000	487
Total interest expense	$11,727,000	473
Net interest income	$42,940,000	493
Provision for loan and lease losses	$6,282,000	176
Total noninterest income	$5,718,000	851
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$1,125,000	806
Trading account gains and fees	$464,000	97
Additional Noninterest Income	$4,129,000	769
Total noninterest expense	$21,152,000	802
Salaries and employee benefits	$9,555,000	992
Premises and equipment expense	$3,345,000	574
Additional noninterest expense	$8,252,000	640
Pre-tax net operating income	$21,224,000	483
Securities gains (losses)	$184,000	550
Applicable income taxes	$5,361,000	400
Income before extraordinary items	$16,047,000	524
Extraordinary gains, net	$0	11
Net income	$16,047,000	523
Minority interest net income	$0	72
Net income of bank and minority interests.	$16,047,000	524
Net charge-offs	$5,897,000	157
Cash dividends	$4,000,000	711
Sale, conversion, retirement of capital stock, net	$173,000	352
Net operating income	$15,901,640	514
2019-06-30 (YTD Data)		Rank
Total interest income	$35,735,000	494
Total interest expense	$7,331,000	488
Net interest income	$28,404,000	497
Provision for loan and lease losses	$5,616,000	146
Total noninterest income	$3,552,000	878
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$710,000	835
Trading account gains and fees	$69,000	119
Additional Noninterest Income	$2,773,000	748
Total noninterest expense	$14,239,000	794
Salaries and employee benefits	$6,401,000	982
Premises and equipment expense	$2,281,000	566
Additional noninterest expense	$5,557,000	635
Pre-tax net operating income	$12,101,000	521
Securities gains (losses)	$105,000	522
Applicable income taxes	$3,028,000	439
Income before extraordinary items	$9,178,000	565
Extraordinary gains, net	$0	11
Net income	$9,178,000	564
Minority interest net income	$0	69
Net income of bank and minority interests.	$9,178,000	565
Net charge-offs	$4,236,000	150
Cash dividends	$4,000,000	522
Sale, conversion, retirement of capital stock, net	$129,000	325
Net operating income	$9,095,050	560
2019-03-31 (YTD Data)		Rank
Total interest income	$17,440,000	502
Total interest expense	$3,388,000	513
Net interest income	$14,052,000	505
Provision for loan and lease losses	$1,078,000	267
Total noninterest income	$1,955,000	778
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$343,000	850
Trading account gains and fees	$83,000	106
Additional Noninterest Income	$1,529,000	684
Total noninterest expense	$6,935,000	810
Salaries and employee benefits	$3,128,000	999
Premises and equipment expense	$1,146,000	569
Additional noninterest expense	$2,661,000	651
Pre-tax net operating income	$7,994,000	413
Securities gains (losses)	$13,000	656
Applicable income taxes	$1,969,000	365
Income before extraordinary items	$6,038,000	453
Extraordinary gains, net	$0	5
Net income	$6,038,000	452
Minority interest net income	$0	52
Net income of bank and minority interests.	$6,038,000	453
Net charge-offs	$301,000	472
Cash dividends	$2,000,000	496
Sale, conversion, retirement of capital stock, net	$65,000	282
Net operating income	$6,027,730	445
2018-12-31 (YTD Data)		Rank
Total interest income	$62,420,000	524
Total interest expense	$9,174,000	568
Net interest income	$53,246,000	510
Provision for loan and lease losses	$778,000	1,076
Total noninterest income	$4,926,000	1,098
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$1,414,000	870
Trading account gains and fees	$676,000	89
Additional Noninterest Income	$2,836,000	1,187
Total noninterest expense	$24,875,000	885
Salaries and employee benefits	$12,118,000	998
Premises and equipment expense	$2,889,000	864
Additional noninterest expense	$9,868,000	713
Pre-tax net operating income	$32,519,000	418
Securities gains (losses)	$-108,000	5,033
Applicable income taxes	$8,094,000	352
Income before extraordinary items	$24,317,000	445
Extraordinary gains, net	$0	6
Net income	$24,317,000	444
Minority interest net income	$0	72
Net income of bank and minority interests.	$24,317,000	444
Net charge-offs	$333,000	1,250
Cash dividends	$0	4,033
Sale, conversion, retirement of capital stock, net	$313,000	355
Net operating income	$24,402,320	444
2018-09-30 (YTD Data)		Rank
Total interest income	$44,750,000	533
Total interest expense	$6,162,000	585
Net interest income	$38,588,000	522
Provision for loan and lease losses	$624,000	963
Total noninterest income	$3,280,000	1,194
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$1,064,000	856
Trading account gains and fees	$532,000	90
Additional Noninterest Income	$1,684,000	1,408
Total noninterest expense	$17,781,000	922
Salaries and employee benefits	$8,874,000	1,026
Premises and equipment expense	$2,002,000	922
Additional noninterest expense	$6,905,000	738
Pre-tax net operating income	$23,463,000	429
Securities gains (losses)	$-137,000	5,295
Applicable income taxes	$5,938,000	368
Income before extraordinary items	$17,388,000	459
Extraordinary gains, net	$0	5
Net income	$17,388,000	458
Minority interest net income	$0	66
Net income of bank and minority interests.	$17,388,000	458
Net charge-offs	$85,000	1,850
Cash dividends	$0	3,618
Sale, conversion, retirement of capital stock, net	$242,000	327
Net operating income	$17,496,230	456
2018-06-30 (YTD Data)		Rank
Total interest income	$28,510,000	545
Total interest expense	$3,582,000	615
Net interest income	$24,928,000	540
Provision for loan and lease losses	$434,000	923
Total noninterest income	$1,767,000	1,398
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$702,000	860
Trading account gains and fees	$219,000	90
Additional Noninterest Income	$846,000	1,677
Total noninterest expense	$11,515,000	943
Salaries and employee benefits	$5,849,000	1,043
Premises and equipment expense	$1,301,000	942
Additional noninterest expense	$4,365,000	774
Pre-tax net operating income	$14,746,000	439
Securities gains (losses)	$-110,000	5,361
Applicable income taxes	$3,662,000	379
Income before extraordinary items	$10,974,000	470
Extraordinary gains, net	$0	6
Net income	$10,974,000	469
Minority interest net income	$0	65
Net income of bank and minority interests.	$10,974,000	469
Net charge-offs	$-67,000	5,101
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$168,000	305
Net operating income	$11,060,900	464
2018-03-31 (YTD Data)		Rank
Total interest income	$13,603,000	563
Total interest expense	$1,545,000	660
Net interest income	$12,058,000	548
Provision for loan and lease losses	$249,000	818
Total noninterest income	$1,145,000	1,162
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$341,000	881
Trading account gains and fees	$121,000	86
Additional Noninterest Income	$683,000	1,222
Total noninterest expense	$5,737,000	957
Salaries and employee benefits	$2,848,000	1,067
Premises and equipment expense	$586,000	1,043
Additional noninterest expense	$2,303,000	728
Pre-tax net operating income	$7,217,000	437
Securities gains (losses)	$-99,000	5,475
Applicable income taxes	$1,778,000	381
Income before extraordinary items	$5,340,000	480
Extraordinary gains, net	$0	7
Net income	$5,340,000	479
Minority interest net income	$0	52
Net income of bank and minority interests.	$5,340,000	480
Net charge-offs	$221,000	544
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$87,000	271
Net operating income	$5,418,210	471
2017-12-31 (YTD Data)		Rank
Total interest income	$48,405,000	588
Total interest expense	$4,897,000	695
Net interest income	$43,508,000	575
Provision for loan and lease losses	$709,000	1,143
Total noninterest income	$5,413,000	1,062
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$1,548,000	799
Trading account gains and fees	$455,000	96
Additional Noninterest Income	$3,410,000	1,064
Total noninterest expense	$22,714,000	944
Salaries and employee benefits	$10,939,000	1,084
Premises and equipment expense	$2,479,000	964
Additional noninterest expense	$9,296,000	724
Pre-tax net operating income	$25,498,000	449
Securities gains (losses)	$4,000	1,851
Applicable income taxes	$10,213,000	402
Income before extraordinary items	$15,289,000	513
Extraordinary gains, net	$0	9
Net income	$15,289,000	511
Minority interest net income	$0	76
Net income of bank and minority interests.	$15,289,000	513
Net charge-offs	$127,000	2,222
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$317,000	343
Net operating income	$15,286,440	507
2017-09-30 (YTD Data)		Rank
Total interest income	$35,352,000	602
Total interest expense	$3,453,000	720
Net interest income	$31,899,000	591
Provision for loan and lease losses	$404,000	1,348
Total noninterest income	$3,991,000	1,090
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$1,184,000	787
Trading account gains and fees	$291,000	97
Additional Noninterest Income	$2,516,000	1,091
Total noninterest expense	$16,538,000	974
Salaries and employee benefits	$7,881,000	1,118
Premises and equipment expense	$1,732,000	1,035
Additional noninterest expense	$6,925,000	723
Pre-tax net operating income	$18,948,000	466
Securities gains (losses)	$5,000	1,816
Applicable income taxes	$7,002,000	384
Income before extraordinary items	$11,951,000	532
Extraordinary gains, net	$0	9
Net income	$11,951,000	530
Minority interest net income	$0	71
Net income of bank and minority interests.	$11,951,000	532
Net charge-offs	$224,000	1,321
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$205,000	339
Net operating income	$11,947,800	530
2017-06-30 (YTD Data)		Rank
Total interest income	$22,427,000	626
Total interest expense	$2,069,000	769
Net interest income	$20,358,000	615
Provision for loan and lease losses	$643,000	716
Total noninterest income	$3,206,000	945
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$808,000	767
Trading account gains and fees	$273,000	91
Additional Noninterest Income	$2,125,000	920
Total noninterest expense	$11,106,000	969
Salaries and employee benefits	$5,350,000	1,118
Premises and equipment expense	$1,151,000	1,038
Additional noninterest expense	$4,605,000	731
Pre-tax net operating income	$11,815,000	484
Securities gains (losses)	$3,000	1,556
Applicable income taxes	$4,292,000	404
Income before extraordinary items	$7,526,000	557
Extraordinary gains, net	$0	11
Net income	$7,526,000	556
Minority interest net income	$0	71
Net income of bank and minority interests.	$7,526,000	557
Net charge-offs	$72,000	1,737
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$145,000	309
Net operating income	$7,524,080	548
2017-03-31 (YTD Data)		Rank
Total interest income	$10,552,000	664
Total interest expense	$907,000	842
Net interest income	$9,645,000	640
Provision for loan and lease losses	$83,000	1,632
Total noninterest income	$1,033,000	1,287
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$396,000	778
Trading account gains and fees	$155,000	91
Additional Noninterest Income	$482,000	1,557
Total noninterest expense	$5,440,000	990
Salaries and employee benefits	$2,635,000	1,136
Premises and equipment expense	$528,000	1,134
Additional noninterest expense	$2,277,000	727
Pre-tax net operating income	$5,155,000	514
Securities gains (losses)	$0	1,153
Applicable income taxes	$1,803,000	448
Income before extraordinary items	$3,352,000	606
Extraordinary gains, net	$0	8
Net income	$3,352,000	606
Minority interest net income	$0	55
Net income of bank and minority interests.	$3,352,000	606
Net charge-offs	$-103,000	5,617
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$75,000	279
Net operating income	$3,352,000	593
2016-12-31 (YTD Data)		Rank
Total interest income	$43,437,000	626
Total interest expense	$3,995,000	737
Net interest income	$39,442,000	607
Provision for loan and lease losses	$1,081,000	852
Total noninterest income	$4,482,000	1,244
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$1,488,000	847
Trading account gains and fees	$739,000	90
Additional Noninterest Income	$2,255,000	1,475
Total noninterest expense	$22,810,000	927
Salaries and employee benefits	$10,712,000	1,085
Premises and equipment expense	$2,233,000	1,064
Additional noninterest expense	$9,865,000	694
Pre-tax net operating income	$20,033,000	505
Securities gains (losses)	$132,000	1,140
Applicable income taxes	$7,451,000	421
Income before extraordinary items	$12,714,000	616
Extraordinary gains, net	$0	5
Net income	$12,714,000	615
Minority interest net income	$0	82
Net income of bank and minority interests.	$12,714,000	615
Net charge-offs	$497,000	1,085
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$288,000	348
Net operating income	$12,629,520	602
2016-09-30 (YTD Data)		Rank
Total interest income	$32,796,000	616
Total interest expense	$3,009,000	733
Net interest income	$29,787,000	603
Provision for loan and lease losses	$581,000	1,043
Total noninterest income	$2,858,000	1,388
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$1,102,000	859
Trading account gains and fees	$170,000	121
Additional Noninterest Income	$1,586,000	1,532
Total noninterest expense	$17,288,000	917
Salaries and employee benefits	$8,012,000	1,094
Premises and equipment expense	$1,586,000	1,122
Additional noninterest expense	$7,690,000	677
Pre-tax net operating income	$14,776,000	524
Securities gains (losses)	$141,000	1,028
Applicable income taxes	$5,503,000	425
Income before extraordinary items	$9,414,000	628
Extraordinary gains, net	$0	5
Net income	$9,414,000	628
Minority interest net income	$0	71
Net income of bank and minority interests.	$9,414,000	628
Net charge-offs	$239,000	1,329
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$200,000	334
Net operating income	$9,323,760	609
2016-06-30 (YTD Data)		Rank
Total interest income	$21,927,000	616
Total interest expense	$1,969,000	734
Net interest income	$19,958,000	599
Provision for loan and lease losses	$280,000	1,332
Total noninterest income	$1,860,000	1,392
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$716,000	870
Trading account gains and fees	$167,000	102
Additional Noninterest Income	$977,000	1,580
Total noninterest expense	$11,605,000	916
Salaries and employee benefits	$5,348,000	1,094
Premises and equipment expense	$1,102,000	1,072
Additional noninterest expense	$5,155,000	675
Pre-tax net operating income	$9,933,000	511
Securities gains (losses)	$78,000	1,130
Applicable income taxes	$3,696,000	425
Income before extraordinary items	$6,315,000	610
Extraordinary gains, net	$0	16
Net income	$6,315,000	608
Minority interest net income	$0	71
Net income of bank and minority interests.	$6,315,000	609
Net charge-offs	$110,000	1,536
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$141,000	324
Net operating income	$6,265,080	596
2016-03-31 (YTD Data)		Rank
Total interest income	$10,765,000	627
Total interest expense	$937,000	769
Net interest income	$9,828,000	607
Provision for loan and lease losses	$51,000	2,123
Total noninterest income	$1,004,000	1,301
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$345,000	890
Trading account gains and fees	$207,000	81
Additional Noninterest Income	$452,000	1,620
Total noninterest expense	$5,707,000	923
Salaries and employee benefits	$2,736,000	1,081
Premises and equipment expense	$530,000	1,123
Additional noninterest expense	$2,441,000	692
Pre-tax net operating income	$5,074,000	488
Securities gains (losses)	$19,000	1,252
Applicable income taxes	$1,877,000	406
Income before extraordinary items	$3,216,000	570
Extraordinary gains, net	$0	12
Net income	$3,216,000	569
Minority interest net income	$0	62
Net income of bank and minority interests.	$3,216,000	570
Net charge-offs	$0	3,094
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$70,000	298
Net operating income	$3,203,840	559
2015-12-31 (YTD Data)		Rank
Total interest income	$32,477,000	795
Total interest expense	$2,911,000	973
Net interest income	$29,566,000	764
Provision for loan and lease losses	$631,000	1,137
Total noninterest income	$3,758,000	1,356
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$1,126,000	1,105
Trading account gains and fees	$385,000	99
Additional Noninterest Income	$2,247,000	1,403
Total noninterest expense	$21,808,000	947
Salaries and employee benefits	$10,263,000	1,090
Premises and equipment expense	$2,131,000	1,114
Additional noninterest expense	$9,414,000	709
Pre-tax net operating income	$10,885,000	825
Securities gains (losses)	$-136,000	6,093
Applicable income taxes	$4,043,000	617
Income before extraordinary items	$6,706,000	1,062
Extraordinary gains, net	$0	23
Net income	$6,706,000	1,061
Minority interest net income	$0	81
Net income of bank and minority interests.	$6,706,000	1,062
Net charge-offs	$-191,000	5,853
Cash dividends	$1,000,000	2,106
Sale, conversion, retirement of capital stock, net	$255,000	393
Net operating income	$6,793,040	1,027
2015-09-30 (YTD Data)		Rank
Total interest income	$22,082,000	877
Total interest expense	$2,032,000	1,048
Net interest income	$20,050,000	853
Provision for loan and lease losses	$41,000	3,448
Total noninterest income	$3,554,000	1,176
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$809,000	1,153
Trading account gains and fees	$311,000	100
Additional Noninterest Income	$2,434,000	1,121
Total noninterest expense	$15,615,000	1,003
Salaries and employee benefits	$7,487,000	1,136
Premises and equipment expense	$1,234,000	1,411
Additional noninterest expense	$6,894,000	728
Pre-tax net operating income	$7,948,000	847
Securities gains (losses)	$-136,000	6,204
Applicable income taxes	$2,984,000	635
Income before extraordinary items	$4,828,000	1,110
Extraordinary gains, net	$0	21
Net income	$4,828,000	1,108
Minority interest net income	$0	78
Net income of bank and minority interests.	$4,828,000	1,110
Net charge-offs	$-317,000	6,040
Cash dividends	$1,000,000	1,586
Sale, conversion, retirement of capital stock, net	$222,000	344
Net operating income	$4,915,040	1,062
2015-06-30 (YTD Data)		Rank
Total interest income	$12,043,000	1,081
Total interest expense	$1,252,000	1,137
Net interest income	$10,791,000	1,063
Provision for loan and lease losses	$-377,000	6,170
Total noninterest income	$2,285,000	1,212
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$466,000	1,289
Trading account gains and fees	$-8,000	6,306
Additional Noninterest Income	$1,827,000	1,037
Total noninterest expense	$8,044,000	1,253
Salaries and employee benefits	$4,130,000	1,326
Premises and equipment expense	$765,000	1,531
Additional noninterest expense	$3,149,000	1,046
Pre-tax net operating income	$5,409,000	835
Securities gains (losses)	$34,000	1,433
Applicable income taxes	$2,129,000	611
Income before extraordinary items	$3,314,000	1,064
Extraordinary gains, net	$0	22
Net income	$3,314,000	1,063
Minority interest net income	$0	75
Net income of bank and minority interests.	$3,314,000	1,065
Net charge-offs	$-329,000	6,153
Cash dividends	$1,000,000	1,209
Sale, conversion, retirement of capital stock, net	$148,000	330
Net operating income	$3,292,240	1,046
2015-03-31 (YTD Data)		Rank
Total interest income	$6,025,000	1,073
Total interest expense	$636,000	1,121
Net interest income	$5,389,000	1,059
Provision for loan and lease losses	$-135,000	6,229
Total noninterest income	$1,525,000	959
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$220,000	1,335
Trading account gains and fees	$-2,000	6,382
Additional Noninterest Income	$1,307,000	755
Total noninterest expense	$4,252,000	1,199
Salaries and employee benefits	$2,118,000	1,303
Premises and equipment expense	$404,000	1,471
Additional noninterest expense	$1,730,000	919
Pre-tax net operating income	$2,797,000	793
Securities gains (losses)	$29,000	1,077
Applicable income taxes	$1,115,000	584
Income before extraordinary items	$1,711,000	1,001
Extraordinary gains, net	$0	13
Net income	$1,711,000	1,001
Minority interest net income	$0	64
Net income of bank and minority interests.	$1,711,000	1,002
Net charge-offs	$79,000	1,265
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$64,000	324
Net operating income	$1,692,440	983
2014-12-31 (YTD Data)		Rank
Total interest income	$24,794,000	1,033
Total interest expense	$2,785,000	1,067
Net interest income	$22,009,000	1,023
Provision for loan and lease losses	$-367,000	6,216
Total noninterest income	$2,950,000	1,596
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$748,000	1,667
Trading account gains and fees	$245,000	106
Additional Noninterest Income	$1,957,000	1,482
Total noninterest expense	$15,948,000	1,249
Salaries and employee benefits	$8,293,000	1,285
Premises and equipment expense	$1,559,000	1,520
Additional noninterest expense	$6,096,000	1,088
Pre-tax net operating income	$9,378,000	890
Securities gains (losses)	$33,000	2,020
Applicable income taxes	$3,498,000	647
Income before extraordinary items	$5,913,000	1,119
Extraordinary gains, net	$0	17
Net income	$5,913,000	1,118
Minority interest net income	$0	84
Net income of bank and minority interests.	$5,913,000	1,119
Net charge-offs	$2,517,000	413
Cash dividends	$6,000,000	511
Sale, conversion, retirement of capital stock, net	$210,000	421
Net operating income	$5,891,880	1,092
2014-09-30 (YTD Data)		Rank
Total interest income	$18,837,000	1,023
Total interest expense	$2,111,000	1,071
Net interest income	$16,726,000	1,015
Provision for loan and lease losses	$-690,000	6,414
Total noninterest income	$1,450,000	2,156
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$535,000	1,734
Trading account gains and fees	$219,000	98
Additional Noninterest Income	$696,000	2,444
Total noninterest expense	$11,632,000	1,287
Salaries and employee benefits	$6,142,000	1,302
Premises and equipment expense	$1,153,000	1,548
Additional noninterest expense	$4,337,000	1,139
Pre-tax net operating income	$7,234,000	872
Securities gains (losses)	$31,000	1,754
Applicable income taxes	$2,711,000	638
Income before extraordinary items	$4,554,000	1,096
Extraordinary gains, net	$0	15
Net income	$4,554,000	1,095
Minority interest net income	$0	81
Net income of bank and minority interests.	$4,554,000	1,095
Net charge-offs	$2,386,000	328
Cash dividends	$5,000,000	433
Sale, conversion, retirement of capital stock, net	$163,000	381
Net operating income	$4,534,160	1,073
2014-06-30 (YTD Data)		Rank
Total interest income	$12,526,000	1,019
Total interest expense	$1,391,000	1,080
Net interest income	$11,135,000	1,004
Provision for loan and lease losses	$-367,000	6,469
Total noninterest income	$641,000	2,735
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$339,000	1,787
Trading account gains and fees	$114,000	114
Additional Noninterest Income	$188,000	3,731
Total noninterest expense	$7,851,000	1,270
Salaries and employee benefits	$4,069,000	1,306
Premises and equipment expense	$797,000	1,498
Additional noninterest expense	$2,985,000	1,094
Pre-tax net operating income	$4,292,000	953
Securities gains (losses)	$18,000	1,704
Applicable income taxes	$1,592,000	692
Income before extraordinary items	$2,718,000	1,174
Extraordinary gains, net	$0	20
Net income	$2,718,000	1,174
Minority interest net income	$0	80
Net income of bank and minority interests.	$2,718,000	1,175
Net charge-offs	$2,471,000	243
Cash dividends	$5,000,000	310
Sale, conversion, retirement of capital stock, net	$103,000	375
Net operating income	$2,706,480	1,157
2014-03-31 (YTD Data)		Rank
Total interest income	$6,232,000	1,024
Total interest expense	$693,000	1,098
Net interest income	$5,539,000	1,012
Provision for loan and lease losses	$-461,000	6,623
Total noninterest income	$435,000	2,240
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$162,000	1,827
Trading account gains and fees	$106,000	90
Additional Noninterest Income	$167,000	2,814
Total noninterest expense	$4,088,000	1,237
Salaries and employee benefits	$2,096,000	1,298
Premises and equipment expense	$425,000	1,433
Additional noninterest expense	$1,567,000	1,028
Pre-tax net operating income	$2,347,000	843
Securities gains (losses)	$5,000	1,340
Applicable income taxes	$875,000	623
Income before extraordinary items	$1,477,000	1,065
Extraordinary gains, net	$0	16
Net income	$1,477,000	1,066
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,477,000	1,066
Net charge-offs	$2,219,000	159
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$44,000	370
Net operating income	$1,473,800	1,044
2013-12-31 (YTD Data)		Rank
Total interest income	$22,647,000	1,140
Total interest expense	$2,718,000	1,245
Net interest income	$19,929,000	1,099
Provision for loan and lease losses	$2,034,000	616
Total noninterest income	$3,770,000	1,369
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$510,000	2,339
Trading account gains and fees	$468,000	98
Additional Noninterest Income	$2,792,000	1,195
Total noninterest expense	$13,545,000	1,445
Salaries and employee benefits	$7,264,000	1,437
Premises and equipment expense	$1,531,000	1,549
Additional noninterest expense	$4,750,000	1,403
Pre-tax net operating income	$8,120,000	944
Securities gains (losses)	$1,000	3,056
Applicable income taxes	$3,020,000	659
Income before extraordinary items	$5,101,000	1,198
Extraordinary gains, net	$0	29
Net income	$5,101,000	1,200
Minority interest net income	$0	90
Net income of bank and minority interests.	$5,101,000	1,201
Net charge-offs	$6,892,000	256
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$11,000	839
Net operating income	$5,100,360	1,178
2013-09-30 (YTD Data)		Rank
Total interest income	$16,940,000	1,143
Total interest expense	$2,039,000	1,282
Net interest income	$14,901,000	1,108
Provision for loan and lease losses	$1,790,000	549
Total noninterest income	$3,148,000	1,306
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$362,000	2,463
Trading account gains and fees	$401,000	92
Additional Noninterest Income	$2,385,000	1,134
Total noninterest expense	$10,396,000	1,425
Salaries and employee benefits	$5,567,000	1,419
Premises and equipment expense	$1,140,000	1,566
Additional noninterest expense	$3,689,000	1,354
Pre-tax net operating income	$5,863,000	988
Securities gains (losses)	$1,000	2,916
Applicable income taxes	$2,172,000	684
Income before extraordinary items	$3,692,000	1,246
Extraordinary gains, net	$0	25
Net income	$3,692,000	1,246
Minority interest net income	$0	84
Net income of bank and minority interests.	$3,692,000	1,248
Net charge-offs	$3,007,000	425
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$118,000	440
Net operating income	$3,691,360	1,217
2013-06-30 (YTD Data)		Rank
Total interest income	$11,419,000	1,116
Total interest expense	$1,409,000	1,263
Net interest income	$10,010,000	1,087
Provision for loan and lease losses	$1,613,000	438
Total noninterest income	$1,169,000	2,008
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$240,000	2,442
Trading account gains and fees	$0	157
Additional Noninterest Income	$929,000	1,670
Total noninterest expense	$6,661,000	1,475
Salaries and employee benefits	$3,721,000	1,413
Premises and equipment expense	$752,000	1,587
Additional noninterest expense	$2,188,000	1,493
Pre-tax net operating income	$2,905,000	1,280
Securities gains (losses)	$0	2,791
Applicable income taxes	$1,065,000	893
Income before extraordinary items	$1,840,000	1,644
Extraordinary gains, net	$0	22
Net income	$1,840,000	1,647
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,840,000	1,649
Net charge-offs	$1,438,000	583
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$84,000	398
Net operating income	$1,840,000	1,573
2013-03-31 (YTD Data)		Rank
Total interest income	$5,838,000	1,096
Total interest expense	$741,000	1,240
Net interest income	$5,097,000	1,070
Provision for loan and lease losses	$727,000	525
Total noninterest income	$758,000	1,625
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$116,000	2,505
Trading account gains and fees	$0	148
Additional Noninterest Income	$642,000	1,326
Total noninterest expense	$3,610,000	1,381
Salaries and employee benefits	$1,910,000	1,391
Premises and equipment expense	$372,000	1,622
Additional noninterest expense	$1,328,000	1,237
Pre-tax net operating income	$1,518,000	1,194
Securities gains (losses)	$0	1,966
Applicable income taxes	$558,000	824
Income before extraordinary items	$960,000	1,546
Extraordinary gains, net	$0	10
Net income	$960,000	1,548
Minority interest net income	$0	76
Net income of bank and minority interests.	$960,000	1,548
Net charge-offs	$454,000	819
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$51,000	329
Net operating income	$960,000	1,486
2012-12-31 (YTD Data)		Rank
Total interest income	$27,345,000	960
Total interest expense	$3,748,000	1,194
Net interest income	$23,597,000	916
Provision for loan and lease losses	$3,661,000	655
Total noninterest income	$1,873,000	2,287
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$400,000	2,933
Trading account gains and fees	$0	166
Additional Noninterest Income	$1,473,000	1,874
Total noninterest expense	$16,128,000	1,251
Salaries and employee benefits	$7,687,000	1,341
Premises and equipment expense	$1,530,000	1,550
Additional noninterest expense	$6,911,000	1,011
Pre-tax net operating income	$5,681,000	1,220
Securities gains (losses)	$48,000	2,758
Applicable income taxes	$1,911,000	915
Income before extraordinary items	$3,818,000	1,512
Extraordinary gains, net	$0	29
Net income	$3,818,000	1,514
Minority interest net income	$0	93
Net income of bank and minority interests.	$3,818,000	1,513
Net charge-offs	$14,525,000	236
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$132,000	512
Net operating income	$3,785,840	1,430
2012-09-30 (YTD Data)		Rank
Total interest income	$21,109,000	951
Total interest expense	$2,905,000	1,225
Net interest income	$18,204,000	900
Provision for loan and lease losses	$3,746,000	513
Total noninterest income	$1,781,000	1,937
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$289,000	3,038
Trading account gains and fees	$0	157
Additional Noninterest Income	$1,492,000	1,538
Total noninterest expense	$11,754,000	1,276
Salaries and employee benefits	$5,749,000	1,346
Premises and equipment expense	$1,051,000	1,690
Additional noninterest expense	$4,954,000	1,041
Pre-tax net operating income	$4,485,000	1,195
Securities gains (losses)	$48,000	2,464
Applicable income taxes	$1,698,000	812
Income before extraordinary items	$2,835,000	1,564
Extraordinary gains, net	$0	20
Net income	$2,835,000	1,565
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,835,000	1,565
Net charge-offs	$13,210,000	203
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$104,000	463
Net operating income	$2,804,280	1,487
2012-06-30 (YTD Data)		Rank
Total interest income	$14,200,000	957
Total interest expense	$2,031,000	1,206
Net interest income	$12,169,000	898
Provision for loan and lease losses	$3,330,000	418
Total noninterest income	$1,499,000	1,626
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$185,000	3,122
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,314,000	1,256
Total noninterest expense	$8,003,000	1,249
Salaries and employee benefits	$3,814,000	1,354
Premises and equipment expense	$723,000	1,643
Additional noninterest expense	$3,466,000	1,007
Pre-tax net operating income	$2,335,000	1,490
Securities gains (losses)	$45,000	2,110
Applicable income taxes	$879,000	994
Income before extraordinary items	$1,501,000	1,885
Extraordinary gains, net	$0	19
Net income	$1,501,000	1,884
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,501,000	1,885
Net charge-offs	$10,925,000	179
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$68,000	438
Net operating income	$1,472,200	1,825
2012-03-31 (YTD Data)		Rank
Total interest income	$7,113,000	958
Total interest expense	$1,094,000	1,161
Net interest income	$6,019,000	915
Provision for loan and lease losses	$1,890,000	378
Total noninterest income	$679,000	1,754
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$88,000	3,201
Trading account gains and fees	$0	148
Additional Noninterest Income	$591,000	1,346
Total noninterest expense	$4,236,000	1,182
Salaries and employee benefits	$1,940,000	1,329
Premises and equipment expense	$365,000	1,635
Additional noninterest expense	$1,931,000	881
Pre-tax net operating income	$572,000	2,612
Securities gains (losses)	$1,000	2,095
Applicable income taxes	$193,000	1,768
Income before extraordinary items	$380,000	3,178
Extraordinary gains, net	$0	19
Net income	$380,000	3,182
Minority interest net income	$0	78
Net income of bank and minority interests.	$380,000	3,182
Net charge-offs	$5,593,000	179
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$30,000	414
Net operating income	$379,340	3,022
2011-12-31 (YTD Data)		Rank
Total interest income	$31,448,000	890
Total interest expense	$4,880,000	1,238
Net interest income	$26,568,000	824
Provision for loan and lease losses	$6,072,000	676
Total noninterest income	$1,757,000	2,199
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$346,000	3,323
Trading account gains and fees	$0	146
Additional Noninterest Income	$1,411,000	1,713
Total noninterest expense	$16,532,000	1,193
Salaries and employee benefits	$7,582,000	1,299
Premises and equipment expense	$1,334,000	1,867
Additional noninterest expense	$7,616,000	930
Pre-tax net operating income	$5,721,000	1,048
Securities gains (losses)	$48,000	2,611
Applicable income taxes	$2,331,000	698
Income before extraordinary items	$3,438,000	1,430
Extraordinary gains, net	$0	29
Net income	$3,438,000	1,430
Minority interest net income	$0	96
Net income of bank and minority interests.	$3,438,000	1,430
Net charge-offs	$6,993,000	610
Cash dividends	$13,000,000	196
Sale, conversion, retirement of capital stock, net	$113,000	638
Net operating income	$3,407,280	1,372
2011-09-30 (YTD Data)		Rank
Total interest income	$24,024,000	884
Total interest expense	$3,644,000	1,307
Net interest income	$20,380,000	808
Provision for loan and lease losses	$4,787,000	642
Total noninterest income	$1,303,000	2,219
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$255,000	3,366
Trading account gains and fees	$0	145
Additional Noninterest Income	$1,048,000	1,723
Total noninterest expense	$12,405,000	1,191
Salaries and employee benefits	$5,674,000	1,308
Premises and equipment expense	$959,000	1,953
Additional noninterest expense	$5,772,000	912
Pre-tax net operating income	$4,491,000	1,036
Securities gains (losses)	$32,000	2,604
Applicable income taxes	$1,870,000	668
Income before extraordinary items	$2,653,000	1,431
Extraordinary gains, net	$0	21
Net income	$2,653,000	1,431
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,653,000	1,431
Net charge-offs	$2,557,000	1,037
Cash dividends	$13,000,000	126
Sale, conversion, retirement of capital stock, net	$67,000	643
Net operating income	$2,632,520	1,378
2011-06-30 (YTD Data)		Rank
Total interest income	$16,246,000	882
Total interest expense	$2,539,000	1,296
Net interest income	$13,707,000	808
Provision for loan and lease losses	$2,944,000	698
Total noninterest income	$714,000	2,512
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$147,000	3,631
Trading account gains and fees	$0	153
Additional Noninterest Income	$567,000	1,933
Total noninterest expense	$8,836,000	1,131
Salaries and employee benefits	$3,749,000	1,334
Premises and equipment expense	$631,000	2,001
Additional noninterest expense	$4,456,000	808
Pre-tax net operating income	$2,641,000	1,133
Securities gains (losses)	$24,000	2,007
Applicable income taxes	$1,169,000	671
Income before extraordinary items	$1,496,000	1,625
Extraordinary gains, net	$0	15
Net income	$1,496,000	1,625
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,496,000	1,625
Net charge-offs	$1,723,000	1,016
Cash dividends	$13,000,000	90
Sale, conversion, retirement of capital stock, net	$36,000	618
Net operating income	$1,480,640	1,571
2011-03-31 (YTD Data)		Rank
Total interest income	$8,024,000	897
Total interest expense	$1,389,000	1,210
Net interest income	$6,635,000	837
Provision for loan and lease losses	$1,486,000	657
Total noninterest income	$467,000	2,109
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$70,000	3,700
Trading account gains and fees	$0	158
Additional Noninterest Income	$397,000	1,579
Total noninterest expense	$4,426,000	1,137
Salaries and employee benefits	$1,866,000	1,355
Premises and equipment expense	$327,000	1,968
Additional noninterest expense	$2,233,000	800
Pre-tax net operating income	$1,190,000	1,222
Securities gains (losses)	$0	1,772
Applicable income taxes	$638,000	605
Income before extraordinary items	$552,000	2,068
Extraordinary gains, net	$0	9
Net income	$552,000	2,067
Minority interest net income	$0	86
Net income of bank and minority interests.	$552,000	2,068
Net charge-offs	$722,000	1,061
Cash dividends	$13,000,000	52
Sale, conversion, retirement of capital stock, net	$20,000	548
Net operating income	$552,000	2,031
2010-12-31 (YTD Data)		Rank
Total interest income	$23,437,000	1,317
Total interest expense	$5,576,000	1,490
Net interest income	$17,861,000	1,265
Provision for loan and lease losses	$4,235,000	1,290
Total noninterest income	$24,562,000	333
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$279,000	3,775
Trading account gains and fees	$0	175
Additional Noninterest Income	$24,283,000	254
Total noninterest expense	$11,309,000	1,748
Salaries and employee benefits	$5,086,000	1,906
Premises and equipment expense	$1,095,000	2,289
Additional noninterest expense	$5,128,000	1,416
Pre-tax net operating income	$26,879,000	246
Securities gains (losses)	$489,000	909
Applicable income taxes	$10,460,000	216
Income before extraordinary items	$16,908,000	292
Extraordinary gains, net	$0	29
Net income	$16,908,000	291
Minority interest net income	$0	111
Net income of bank and minority interests.	$16,908,000	293
Net charge-offs	$2,835,000	1,521
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$58,000	903
Net operating income	$16,595,040	284
2010-09-30 (YTD Data)		Rank
Total interest income	$16,855,000	1,389
Total interest expense	$4,159,000	1,562
Net interest income	$12,696,000	1,336
Provision for loan and lease losses	$3,322,000	1,188
Total noninterest income	$24,113,000	275
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$209,000	3,855
Trading account gains and fees	$0	165
Additional Noninterest Income	$23,904,000	210
Total noninterest expense	$7,997,000	1,831
Salaries and employee benefits	$3,394,000	2,132
Premises and equipment expense	$763,000	2,486
Additional noninterest expense	$3,840,000	1,385
Pre-tax net operating income	$25,490,000	204
Securities gains (losses)	$417,000	869
Applicable income taxes	$9,933,000	174
Income before extraordinary items	$15,974,000	234
Extraordinary gains, net	$0	23
Net income	$15,974,000	235
Minority interest net income	$0	110
Net income of bank and minority interests.	$15,974,000	236
Net charge-offs	$2,341,000	1,365
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$40,000	873
Net operating income	$15,707,120	228
2010-06-30 (YTD Data)		Rank
Total interest income	$10,647,000	1,502
Total interest expense	$2,617,000	1,709
Net interest income	$8,030,000	1,413
Provision for loan and lease losses	$1,354,000	1,625
Total noninterest income	$23,348,000	200
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$132,000	3,957
Trading account gains and fees	$0	152
Additional Noninterest Income	$23,216,000	156
Total noninterest expense	$5,043,000	1,949
Salaries and employee benefits	$2,070,000	2,357
Premises and equipment expense	$448,000	2,770
Additional noninterest expense	$2,525,000	1,404
Pre-tax net operating income	$24,981,000	154
Securities gains (losses)	$0	3,184
Applicable income taxes	$9,583,000	130
Income before extraordinary items	$15,398,000	178
Extraordinary gains, net	$0	19
Net income	$15,398,000	178
Minority interest net income	$0	105
Net income of bank and minority interests.	$15,398,000	178
Net charge-offs	$1,258,000	1,515
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$24,000	832
Net operating income	$15,398,000	169
2010-03-31 (YTD Data)		Rank
Total interest income	$4,425,000	1,806
Total interest expense	$1,324,000	1,771
Net interest income	$3,101,000	1,829
Provision for loan and lease losses	$878,000	1,286
Total noninterest income	$74,000	5,551
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$56,000	4,261
Trading account gains and fees	$0	175
Additional Noninterest Income	$18,000	6,058
Total noninterest expense	$2,217,000	2,208
Salaries and employee benefits	$936,000	2,620
Premises and equipment expense	$209,000	3,023
Additional noninterest expense	$1,072,000	1,640
Pre-tax net operating income	$80,000	5,295
Securities gains (losses)	$0	2,284
Applicable income taxes	$13,000	3,663
Income before extraordinary items	$67,000	5,441
Extraordinary gains, net	$0	16
Net income	$67,000	5,443
Minority interest net income	$0	91
Net income of bank and minority interests.	$67,000	5,442
Net charge-offs	$665,000	1,373
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$10,000	814
Net operating income	$67,000	5,336
2009-12-31 (YTD Data)		Rank
Total interest income	$18,798,000	1,821
Total interest expense	$6,890,000	1,712
Net interest income	$11,908,000	1,859
Provision for loan and lease losses	$3,850,000	1,692
Total noninterest income	$762,000	3,868
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$221,000	4,461
Trading account gains and fees	$0	211
Additional Noninterest Income	$541,000	3,072
Total noninterest expense	$9,008,000	2,208
Salaries and employee benefits	$3,232,000	2,989
Premises and equipment expense	$805,000	3,115
Additional noninterest expense	$4,971,000	1,496
Pre-tax net operating income	$-188,000	5,689
Securities gains (losses)	$174,000	1,665
Applicable income taxes	$-18,000	6,295
Income before extraordinary items	$4,000	5,525
Extraordinary gains, net	$0	34
Net income	$4,000	5,523
Minority interest net income	$0	115
Net income of bank and minority interests.	$4,000	5,523
Net charge-offs	$3,077,000	1,580
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$65,000	1,002
Net operating income	$-107,360	5,690
2009-09-30 (YTD Data)		Rank
Total interest income	$13,800,000	1,881
Total interest expense	$5,327,000	1,738
Net interest income	$8,473,000	1,947
Provision for loan and lease losses	$3,368,000	1,377
Total noninterest income	$643,000	3,711
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$167,000	4,473
Trading account gains and fees	$0	212
Additional Noninterest Income	$476,000	2,886
Total noninterest expense	$6,168,000	2,403
Salaries and employee benefits	$2,411,000	3,024
Premises and equipment expense	$594,000	3,187
Additional noninterest expense	$3,163,000	1,703
Pre-tax net operating income	$-420,000	6,256
Securities gains (losses)	$174,000	1,393
Applicable income taxes	$-100,000	6,940
Income before extraordinary items	$-146,000	6,041
Extraordinary gains, net	$0	27
Net income	$-146,000	6,042
Minority interest net income	$0	118
Net income of bank and minority interests.	$-146,000	6,041
Net charge-offs	$2,756,000	1,239
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$48,000	934
Net operating income	$-257,360	6,171
2009-06-30 (YTD Data)		Rank
Total interest income	$8,815,000	1,991
Total interest expense	$3,602,000	1,789
Net interest income	$5,213,000	2,104
Provision for loan and lease losses	$816,000	2,311
Total noninterest income	$260,000	4,728
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$108,000	4,500
Trading account gains and fees	$0	193
Additional Noninterest Income	$152,000	4,094
Total noninterest expense	$3,681,000	2,708
Salaries and employee benefits	$1,590,000	3,086
Premises and equipment expense	$404,000	3,153
Additional noninterest expense	$1,687,000	2,095
Pre-tax net operating income	$976,000	2,154
Securities gains (losses)	$174,000	1,100
Applicable income taxes	$439,000	1,191
Income before extraordinary items	$711,000	2,459
Extraordinary gains, net	$0	21
Net income	$711,000	2,457
Minority interest net income	$0	112
Net income of bank and minority interests.	$711,000	2,459
Net charge-offs	$617,000	2,108
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$33,000	906
Net operating income	$599,640	2,679
2009-03-31 (YTD Data)		Rank
Total interest income	$4,227,000	2,103
Total interest expense	$1,839,000	1,818
Net interest income	$2,388,000	2,291
Provision for loan and lease losses	$40,000	5,160
Total noninterest income	$199,000	3,825
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$54,000	4,453
Trading account gains and fees	$0	171
Additional Noninterest Income	$145,000	3,022
Total noninterest expense	$1,746,000	2,752
Salaries and employee benefits	$822,000	3,032
Premises and equipment expense	$203,000	3,188
Additional noninterest expense	$721,000	2,171
Pre-tax net operating income	$801,000	1,596
Securities gains (losses)	$0	2,434
Applicable income taxes	$304,000	1,038
Income before extraordinary items	$497,000	2,152
Extraordinary gains, net	$0	15
Net income	$497,000	2,151
Minority interest net income	$0	102
Net income of bank and minority interests.	$497,000	2,153
Net charge-offs	$62,000	3,352
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$17,000	783
Net operating income	$497,000	2,011
2008-12-31 (YTD Data)		Rank
Total interest income	$16,288,000	2,301
Total interest expense	$8,690,000	1,836
Net interest income	$7,598,000	2,838
Provision for loan and lease losses	$3,001,000	1,389
Total noninterest income	$1,883,000	2,240
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$189,000	4,909
Trading account gains and fees	$0	154
Additional Noninterest Income	$1,694,000	1,471
Total noninterest expense	$6,495,000	2,866
Salaries and employee benefits	$3,113,000	3,145
Premises and equipment expense	$820,000	3,121
Additional noninterest expense	$2,562,000	2,295
Pre-tax net operating income	$-15,000	6,352
Securities gains (losses)	$20,000	2,184
Applicable income taxes	$-3,000	6,737
Income before extraordinary items	$8,000	6,193
Extraordinary gains, net	$0	39
Net income	$8,000	6,193
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,910,000	1,332
Cash dividends	$1,200,000	2,027
Sale, conversion, retirement of capital stock, net	$140,000	873
Net operating income	$-12,000	6,395
2008-09-30 (YTD Data)		Rank
Total interest income	$12,060,000	2,371
Total interest expense	$6,535,000	1,889
Net interest income	$5,525,000	2,936
Provision for loan and lease losses	$2,377,000	1,052
Total noninterest income	$1,228,000	2,534
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$139,000	4,975
Trading account gains and fees	$0	148
Additional Noninterest Income	$1,089,000	1,702
Total noninterest expense	$4,854,000	2,843
Salaries and employee benefits	$2,394,000	3,109
Premises and equipment expense	$602,000	3,189
Additional noninterest expense	$1,858,000	2,293
Pre-tax net operating income	$-478,000	7,246
Securities gains (losses)	$7,000	2,502
Applicable income taxes	$-186,000	7,643
Income before extraordinary items	$-285,000	7,003
Extraordinary gains, net	$0	31
Net income	$-285,000	7,000
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,632,000	959
Cash dividends	$1,200,000	1,582
Sale, conversion, retirement of capital stock, net	$138,000	684
Net operating income	$-289,480	7,161
2008-06-30 (YTD Data)		Rank
Total interest income	$8,086,000	2,399
Total interest expense	$4,359,000	1,986
Net interest income	$3,727,000	2,894
Provision for loan and lease losses	$902,000	1,299
Total noninterest income	$891,000	2,432
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$87,000	5,107
Trading account gains and fees	$0	149
Additional Noninterest Income	$804,000	1,637
Total noninterest expense	$3,203,000	2,884
Salaries and employee benefits	$1,617,000	3,101
Premises and equipment expense	$400,000	3,215
Additional noninterest expense	$1,186,000	2,377
Pre-tax net operating income	$513,000	4,332
Securities gains (losses)	$7,000	2,608
Applicable income taxes	$193,000	2,724
Income before extraordinary items	$327,000	4,866
Extraordinary gains, net	$0	21
Net income	$327,000	4,868
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$312,000	1,760
Cash dividends	$1,200,000	1,200
Sale, conversion, retirement of capital stock, net	$101,000	580
Net operating income	$322,520	4,822
2008-03-31 (YTD Data)		Rank
Total interest income	$4,309,000	2,336
Total interest expense	$2,325,000	1,996
Net interest income	$1,984,000	2,722
Provision for loan and lease losses	$188,000	1,896
Total noninterest income	$318,000	3,007
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$38,000	5,321
Trading account gains and fees	$0	158
Additional Noninterest Income	$280,000	2,052
Total noninterest expense	$1,540,000	2,979
Salaries and employee benefits	$798,000	3,167
Premises and equipment expense	$199,000	3,248
Additional noninterest expense	$543,000	2,528
Pre-tax net operating income	$574,000	2,802
Securities gains (losses)	$7,000	2,110
Applicable income taxes	$217,000	1,865
Income before extraordinary items	$364,000	3,399
Extraordinary gains, net	$0	15
Net income	$364,000	3,402
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$267,000	1,060
Cash dividends	$850,000	870
Sale, conversion, retirement of capital stock, net	$38,000	534
Net operating income	$359,520	3,334
2007-12-31 (YTD Data)		Rank
Total interest income	$19,308,000	2,140
Total interest expense	$10,953,000	1,822
Net interest income	$8,355,000	2,622
Provision for loan and lease losses	$396,000	2,720
Total noninterest income	$285,000	6,114
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$161,000	5,307
Trading account gains and fees	$0	178
Additional Noninterest Income	$124,000	5,886
Total noninterest expense	$7,043,000	2,576
Salaries and employee benefits	$3,240,000	3,030
Premises and equipment expense	$1,137,000	2,292
Additional noninterest expense	$2,666,000	2,053
Pre-tax net operating income	$1,201,000	4,368
Securities gains (losses)	$0	2,146
Applicable income taxes	$380,000	3,094
Income before extraordinary items	$821,000	4,738
Extraordinary gains, net	$0	39
Net income	$821,000	4,739
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,000	3,649
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$219,000	730
Net operating income	$821,000	4,714
2007-09-30 (YTD Data)		Rank
Total interest income	$14,405,000	2,162
Total interest expense	$8,118,000	1,826
Net interest income	$6,287,000	2,623
Provision for loan and lease losses	$396,000	1,881
Total noninterest income	$177,000	6,540
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$121,000	5,323
Trading account gains and fees	$0	184
Additional Noninterest Income	$56,000	6,645
Total noninterest expense	$5,079,000	2,653
Salaries and employee benefits	$2,412,000	3,020
Premises and equipment expense	$684,000	2,767
Additional noninterest expense	$1,983,000	2,020
Pre-tax net operating income	$989,000	4,386
Securities gains (losses)	$0	1,655
Applicable income taxes	$310,000	3,161
Income before extraordinary items	$679,000	4,736
Extraordinary gains, net	$0	33
Net income	$679,000	4,735
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$138,000	2,423
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$165,000	644
Net operating income	$679,000	4,728
2007-06-30 (YTD Data)		Rank
Total interest income	$9,466,000	2,204
Total interest expense	$5,296,000	1,874
Net interest income	$4,170,000	2,660
Provision for loan and lease losses	$258,000	1,753
Total noninterest income	$112,000	6,646
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$74,000	5,482
Trading account gains and fees	$0	168
Additional Noninterest Income	$38,000	6,680
Total noninterest expense	$3,496,000	2,600
Salaries and employee benefits	$1,672,000	2,954
Premises and equipment expense	$464,000	2,741
Additional noninterest expense	$1,360,000	1,986
Pre-tax net operating income	$528,000	4,925
Securities gains (losses)	$0	1,444
Applicable income taxes	$152,000	3,636
Income before extraordinary items	$376,000	5,202
Extraordinary gains, net	$0	29
Net income	$376,000	5,202
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$101,000	2,043
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$118,000	572
Net operating income	$376,000	5,189
2007-03-31 (YTD Data)		Rank
Total interest income	$4,817,000	2,168
Total interest expense	$2,701,000	1,830
Net interest income	$2,116,000	2,630
Provision for loan and lease losses	$193,000	1,202
Total noninterest income	$54,000	6,707
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$35,000	5,544
Trading account gains and fees	$0	195
Additional Noninterest Income	$19,000	6,688
Total noninterest expense	$1,673,000	2,719
Salaries and employee benefits	$832,000	2,968
Premises and equipment expense	$244,000	2,650
Additional noninterest expense	$597,000	2,203
Pre-tax net operating income	$304,000	4,615
Securities gains (losses)	$0	1,187
Applicable income taxes	$94,000	3,352
Income before extraordinary items	$210,000	4,945
Extraordinary gains, net	$0	22
Net income	$210,000	4,946
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	2,972
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$55,000	473
Net operating income	$210,000	4,927
2006-12-31 (YTD Data)		Rank
Total interest income	$12,053,000	3,077
Total interest expense	$7,159,000	2,244
Net interest income	$4,894,000	4,067
Provision for loan and lease losses	$224,000	3,327
Total noninterest income	$348,000	5,890
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$100,000	6,156
Trading account gains and fees	$0	130
Additional Noninterest Income	$248,000	4,672
Total noninterest expense	$5,027,000	3,346
Salaries and employee benefits	$2,418,000	3,703
Premises and equipment expense	$709,000	3,305
Additional noninterest expense	$1,900,000	2,689
Pre-tax net operating income	$-9,000	7,972
Securities gains (losses)	$1,000	1,542
Applicable income taxes	$-25,000	8,232
Income before extraordinary items	$17,000	7,931
Extraordinary gains, net	$0	51
Net income	$17,000	7,933
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$88,000	3,323
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$242,000	725
Net operating income	$16,360	7,920
2006-09-30 (YTD Data)		Rank
Total interest income	$7,693,000	3,488
Total interest expense	$4,673,000	2,450
Net interest income	$3,020,000	4,673
Provision for loan and lease losses	$283,000	2,263
Total noninterest income	$303,000	5,613
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$70,000	6,319
Trading account gains and fees	$0	126
Additional Noninterest Income	$233,000	4,227
Total noninterest expense	$3,496,000	3,536
Salaries and employee benefits	$1,728,000	3,839
Premises and equipment expense	$491,000	3,520
Additional noninterest expense	$1,277,000	2,954
Pre-tax net operating income	$-456,000	8,426
Securities gains (losses)	$1,000	1,261
Applicable income taxes	$-192,000	8,621
Income before extraordinary items	$-263,000	8,354
Extraordinary gains, net	$0	45
Net income	$-263,000	8,355
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	4,074
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$185,000	608
Net operating income	$-263,640	8,350
2006-06-30 (YTD Data)		Rank
Total interest income	$4,664,000	3,699
Total interest expense	$2,865,000	2,534
Net interest income	$1,799,000	5,030
Provision for loan and lease losses	$195,000	2,161
Total noninterest income	$261,000	5,050
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$42,000	6,470
Trading account gains and fees	$0	126
Additional Noninterest Income	$219,000	3,564
Total noninterest expense	$2,291,000	3,589
Salaries and employee benefits	$1,164,000	3,821
Premises and equipment expense	$325,000	3,539
Additional noninterest expense	$802,000	3,127
Pre-tax net operating income	$-426,000	8,539
Securities gains (losses)	$1,000	1,053
Applicable income taxes	$-174,000	8,677
Income before extraordinary items	$-251,000	8,463
Extraordinary gains, net	$0	39
Net income	$-251,000	8,463
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	3,558
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$136,000	488
Net operating income	$-251,640	8,463
2006-03-31 (YTD Data)		Rank
Total interest income	$2,082,000	3,951
Total interest expense	$1,310,000	2,625
Net interest income	$772,000	5,507
Provision for loan and lease losses	$80,000	2,332
Total noninterest income	$92,000	5,770
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$23,000	6,323
Trading account gains and fees	$0	115
Additional Noninterest Income	$69,000	4,456
Total noninterest expense	$1,152,000	3,586
Salaries and employee benefits	$582,000	3,850
Premises and equipment expense	$166,000	3,475
Additional noninterest expense	$404,000	3,083
Pre-tax net operating income	$-368,000	8,649
Securities gains (losses)	$1,000	856
Applicable income taxes	$-147,000	8,721
Income before extraordinary items	$-220,000	8,585
Extraordinary gains, net	$0	21
Net income	$-220,000	8,584
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$87,000	331
Net operating income	$-220,640	8,576
2005-12-31 (YTD Data)		Rank
Total interest income	$6,409,000	4,425
Total interest expense	$3,615,000	2,866
Net interest income	$2,794,000	5,723
Provision for loan and lease losses	$295,000	2,897
Total noninterest income	$522,000	5,144
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$83,000	6,540
Trading account gains and fees	$0	138
Additional Noninterest Income	$439,000	3,612
Total noninterest expense	$3,825,000	4,004
Salaries and employee benefits	$2,001,000	4,122
Premises and equipment expense	$456,000	4,451
Additional noninterest expense	$1,368,000	3,479
Pre-tax net operating income	$-804,000	8,589
Securities gains (losses)	$47,000	948
Applicable income taxes	$-343,000	8,731
Income before extraordinary items	$-414,000	8,519
Extraordinary gains, net	$0	46
Net income	$-414,000	8,519
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$91,000	3,481
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$-444,080	8,509
2005-09-30 (YTD Data)		Rank
Total interest income	$4,347,000	4,665
Total interest expense	$2,392,000	3,031
Net interest income	$1,955,000	5,953
Provision for loan and lease losses	$235,000	2,646
Total noninterest income	$423,000	4,979
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$66,000	6,495
Trading account gains and fees	$0	126
Additional Noninterest Income	$357,000	3,491
Total noninterest expense	$2,735,000	4,116
Salaries and employee benefits	$1,439,000	4,215
Premises and equipment expense	$316,000	4,665
Additional noninterest expense	$980,000	3,560
Pre-tax net operating income	$-592,000	8,629
Securities gains (losses)	$44,000	930
Applicable income taxes	$-263,000	8,776
Income before extraordinary items	$-285,000	8,559
Extraordinary gains, net	$0	35
Net income	$-285,000	8,559
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$85,000	2,778
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$-313,160	8,542
2005-06-30 (YTD Data)		Rank
Total interest income	$2,650,000	4,875
Total interest expense	$1,379,000	3,261
Net interest income	$1,271,000	6,007
Provision for loan and lease losses	$80,000	3,732
Total noninterest income	$219,000	5,535
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$43,000	6,506
Trading account gains and fees	$0	116
Additional Noninterest Income	$176,000	3,988
Total noninterest expense	$1,776,000	4,191
Salaries and employee benefits	$953,000	4,224
Premises and equipment expense	$199,000	4,842
Additional noninterest expense	$624,000	3,680
Pre-tax net operating income	$-366,000	8,628
Securities gains (losses)	$44,000	835
Applicable income taxes	$-164,000	8,781
Income before extraordinary items	$-158,000	8,556
Extraordinary gains, net	$0	30
Net income	$-158,000	8,556
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	2,400
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$-186,160	8,548
2005-03-31 (YTD Data)		Rank
Total interest income	$1,249,000	5,059
Total interest expense	$594,000	3,524
Net interest income	$655,000	5,940
Provision for loan and lease losses	$40,000	3,596
Total noninterest income	$121,000	5,246
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$20,000	6,602
Trading account gains and fees	$0	115
Additional Noninterest Income	$101,000	3,720
Total noninterest expense	$785,000	4,614
Salaries and employee benefits	$451,000	4,438
Premises and equipment expense	$99,000	4,901
Additional noninterest expense	$235,000	4,571
Pre-tax net operating income	$-49,000	8,576
Securities gains (losses)	$0	1,685
Applicable income taxes	$-35,000	8,783
Income before extraordinary items	$-14,000	8,513
Extraordinary gains, net	$0	24
Net income	$-14,000	8,513
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	1,419
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-14,000	8,489
2004-12-31 (YTD Data)		Rank
Total interest income	$16,156,000	1,777
Total interest expense	$5,059,000	1,620
Net interest income	$11,097,000	1,821
Provision for loan and lease losses	$1,311,000	818
Total noninterest income	$1,273,000	3,001
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$726,000	2,310
Trading account gains and fees	$0	138
Additional Noninterest Income	$547,000	3,140
Total noninterest expense	$9,815,000	1,659
Salaries and employee benefits	$5,408,000	1,627
Premises and equipment expense	$1,399,000	1,667
Additional noninterest expense	$3,008,000	1,621
Pre-tax net operating income	$1,244,000	4,710
Securities gains (losses)	$16,000	2,543
Applicable income taxes	$642,000	2,917
Income before extraordinary items	$618,000	5,883
Extraordinary gains, net	$0	34
Net income	$618,000	5,885
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,975,000	469
Cash dividends	$40,250,000	145
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$607,760	5,851
2004-09-30 (YTD Data)		Rank
Total interest income	$12,470,000	1,699
Total interest expense	$3,929,000	1,539
Net interest income	$8,541,000	1,762
Provision for loan and lease losses	$1,288,000	608
Total noninterest income	$855,000	3,259
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$588,000	2,201
Trading account gains and fees	$0	134
Additional Noninterest Income	$267,000	3,945
Total noninterest expense	$7,834,000	1,551
Salaries and employee benefits	$4,453,000	1,494
Premises and equipment expense	$1,108,000	1,577
Additional noninterest expense	$2,273,000	1,592
Pre-tax net operating income	$274,000	7,351
Securities gains (losses)	$9,000	2,772
Applicable income taxes	$285,000	3,877
Income before extraordinary items	$-2,000	8,508
Extraordinary gains, net	$0	26
Net income	$-2,000	8,511
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,920,000	361
Cash dividends	$250,000	3,676
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-7,760	8,485
2004-06-30 (YTD Data)		Rank
Total interest income	$8,360,000	1,681
Total interest expense	$2,603,000	1,525
Net interest income	$5,757,000	1,731
Provision for loan and lease losses	$500,000	987
Total noninterest income	$577,000	3,265
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$393,000	2,179
Trading account gains and fees	$0	130
Additional Noninterest Income	$184,000	3,917
Total noninterest expense	$4,176,000	1,917
Salaries and employee benefits	$2,141,000	2,034
Premises and equipment expense	$759,000	1,530
Additional noninterest expense	$1,276,000	1,872
Pre-tax net operating income	$1,658,000	2,380
Securities gains (losses)	$9,000	2,475
Applicable income taxes	$525,000	2,123
Income before extraordinary items	$1,142,000	2,632
Extraordinary gains, net	$0	21
Net income	$1,142,000	2,633
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	2,617
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,135,790	2,574
2004-03-31 (YTD Data)		Rank
Total interest income	$4,225,000	1,665
Total interest expense	$1,306,000	1,532
Net interest income	$2,919,000	1,706
Provision for loan and lease losses	$267,000	905
Total noninterest income	$221,000	3,817
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$187,000	2,220
Trading account gains and fees	$0	121
Additional Noninterest Income	$34,000	5,872
Total noninterest expense	$2,122,000	1,890
Salaries and employee benefits	$1,114,000	1,971
Premises and equipment expense	$377,000	1,558
Additional noninterest expense	$631,000	1,866
Pre-tax net operating income	$751,000	2,561
Securities gains (losses)	$9,000	2,096
Applicable income taxes	$237,000	2,275
Income before extraordinary items	$523,000	2,832
Extraordinary gains, net	$0	16
Net income	$523,000	2,832
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	1,899
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$516,790	2,771
2003-12-31 (YTD Data)		Rank
Total interest income	$17,267,000	1,655
Total interest expense	$6,244,000	1,421
Net interest income	$11,023,000	1,774
Provision for loan and lease losses	$1,026,000	1,153
Total noninterest income	$4,343,000	1,257
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$750,000	2,237
Trading account gains and fees	$0	160
Additional Noninterest Income	$3,593,000	966
Total noninterest expense	$10,187,000	1,566
Salaries and employee benefits	$5,531,000	1,559
Premises and equipment expense	$1,496,000	1,524
Additional noninterest expense	$3,160,000	1,561
Pre-tax net operating income	$4,153,000	1,923
Securities gains (losses)	$-11,000	8,793
Applicable income taxes	$1,334,000	1,787
Income before extraordinary items	$2,808,000	2,165
Extraordinary gains, net	$0	54
Net income	$2,808,000	2,165
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$975,000	949
Cash dividends	$550,000	3,349
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,815,480	2,063
2003-09-30 (YTD Data)		Rank
Total interest income	$12,957,000	1,684
Total interest expense	$4,865,000	1,433
Net interest income	$8,092,000	1,821
Provision for loan and lease losses	$816,000	1,066
Total noninterest income	$3,997,000	1,105
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$550,000	2,280
Trading account gains and fees	$0	153
Additional Noninterest Income	$3,447,000	833
Total noninterest expense	$8,206,000	1,463
Salaries and employee benefits	$4,554,000	1,423
Premises and equipment expense	$1,160,000	1,483
Additional noninterest expense	$2,492,000	1,476
Pre-tax net operating income	$3,067,000	2,014
Securities gains (losses)	$-11,000	8,949
Applicable income taxes	$975,000	1,896
Income before extraordinary items	$2,081,000	2,257
Extraordinary gains, net	$0	40
Net income	$2,081,000	2,255
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$967,000	717
Cash dividends	$300,000	3,447
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$2,088,480	2,127
2003-06-30 (YTD Data)		Rank
Total interest income	$8,673,000	1,697
Total interest expense	$3,374,000	1,433
Net interest income	$5,299,000	1,847
Provision for loan and lease losses	$516,000	1,115
Total noninterest income	$2,673,000	1,097
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$316,000	2,549
Trading account gains and fees	$0	150
Additional Noninterest Income	$2,357,000	815
Total noninterest expense	$5,452,000	1,472
Salaries and employee benefits	$3,002,000	1,434
Premises and equipment expense	$777,000	1,476
Additional noninterest expense	$1,673,000	1,469
Pre-tax net operating income	$2,004,000	2,033
Securities gains (losses)	$-11,000	9,056
Applicable income taxes	$620,000	2,000
Income before extraordinary items	$1,373,000	2,280
Extraordinary gains, net	$0	30
Net income	$1,373,000	2,278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$827,000	584
Cash dividends	$300,000	2,868
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,380,590	2,144
2003-03-31 (YTD Data)		Rank
Total interest income	$4,394,000	1,684
Total interest expense	$1,708,000	1,452
Net interest income	$2,686,000	1,816
Provision for loan and lease losses	$216,000	1,287
Total noninterest income	$635,000	1,913
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$152,000	2,558
Trading account gains and fees	$0	134
Additional Noninterest Income	$483,000	1,517
Total noninterest expense	$1,963,000	1,999
Salaries and employee benefits	$1,041,000	2,033
Premises and equipment expense	$359,000	1,609
Additional noninterest expense	$563,000	2,089
Pre-tax net operating income	$1,142,000	1,824
Securities gains (losses)	$0	2,891
Applicable income taxes	$328,000	1,928
Income before extraordinary items	$814,000	1,940
Extraordinary gains, net	$0	21
Net income	$814,000	1,939
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	2,406
Cash dividends	$150,000	2,511
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$814,000	1,833
2002-12-31 (YTD Data)		Rank
Total interest income	$18,965,000	1,621
Total interest expense	$8,098,000	1,388
Net interest income	$10,867,000	1,781
Provision for loan and lease losses	$900,000	1,473
Total noninterest income	$1,364,000	2,809
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$613,000	2,529
Trading account gains and fees	$0	153
Additional Noninterest Income	$751,000	2,602
Total noninterest expense	$7,182,000	2,088
Salaries and employee benefits	$3,684,000	2,176
Premises and equipment expense	$1,423,000	1,562
Additional noninterest expense	$2,075,000	2,231
Pre-tax net operating income	$4,149,000	1,927
Securities gains (losses)	$0	4,537
Applicable income taxes	$1,410,000	1,730
Income before extraordinary items	$2,739,000	2,185
Extraordinary gains, net	$0	70
Net income	$2,739,000	2,184
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$615,000	1,408
Cash dividends	$1,750,000	1,466
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,739,000	2,106
2001-12-31 (YTD Data)		Rank
Total interest income	$21,384,000	1,585
Total interest expense	$11,666,000	1,392
Net interest income	$9,718,000	1,834
Provision for loan and lease losses	$1,014,000	1,230
Total noninterest income	$980,000	3,387
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$535,000	2,678
Trading account gains and fees	$0	177
Additional Noninterest Income	$445,000	3,334
Total noninterest expense	$6,642,000	2,161
Salaries and employee benefits	$3,158,000	2,376
Premises and equipment expense	$1,426,000	1,509
Additional noninterest expense	$2,058,000	2,186
Pre-tax net operating income	$3,042,000	2,233
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,042,000	2,017
Income before extraordinary items	$2,000,000	2,539
Extraordinary gains, net	$0	105
Net income	$2,000,000	2,545
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$514,000	1,535
Cash dividends	$700,000	2,851
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$2,000,000	2,448
2000-12-31 (YTD Data)		Rank
Total interest income	$19,981,000	1,736
Total interest expense	$11,009,000	1,561
Net interest income	$8,972,000	1,970
Provision for loan and lease losses	$621,000	1,559
Total noninterest income	$724,000	3,904
Gross Fiduciary activities income	$0	1,332
Service charges on deposit accounts	$421,000	3,116
Trading account gains and fees	$0	180
Additional Noninterest Income	$303,000	3,895
Total noninterest expense	$5,951,000	2,294
Salaries and employee benefits	$2,828,000	2,524
Premises and equipment expense	$1,252,000	1,668
Additional noninterest expense	$1,871,000	2,297
Pre-tax net operating income	$3,124,000	2,313
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,140,000	1,899
Income before extraordinary items	$1,984,000	2,594
Extraordinary gains, net	$0	38
Net income	$1,984,000	2,593
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	3,477
Cash dividends	$495,000	3,598
Sale, conversion, retirement of capital stock, net	$6,000,000	163
Net operating income	$1,984,000	2,586
1999-12-31 (YTD Data)		Rank
Total interest income	$14,594,000	2,227
Total interest expense	$8,089,000	1,841
Net interest income	$6,505,000	2,705
Provision for loan and lease losses	$535,000	1,676
Total noninterest income	$601,000	4,428
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$312,000	3,874
Trading account gains and fees	$0	173
Additional Noninterest Income	$289,000	4,099
Total noninterest expense	$5,022,000	2,686
Salaries and employee benefits	$2,373,000	2,952
Premises and equipment expense	$1,070,000	1,917
Additional noninterest expense	$1,579,000	2,745
Pre-tax net operating income	$1,549,000	4,000
Securities gains (losses)	$-4,000	9,004
Applicable income taxes	$461,000	3,799
Income before extraordinary items	$1,084,000	4,192
Extraordinary gains, net	$0	35
Net income	$1,084,000	4,196
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$145,000	2,912
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,086,800	4,144
1998-12-31 (YTD Data)		Rank
Total interest income	$11,580,000	2,789
Total interest expense	$6,644,000	2,278
Net interest income	$4,936,000	3,440
Provision for loan and lease losses	$455,000	1,853
Total noninterest income	$598,000	4,398
Gross Fiduciary activities income	$0	1,398
Service charges on deposit accounts	$235,000	4,686
Trading account gains and fees	$0	224
Additional Noninterest Income	$363,000	3,629
Total noninterest expense	$4,429,000	2,927
Salaries and employee benefits	$2,049,000	3,257
Premises and equipment expense	$975,000	2,008
Additional noninterest expense	$1,405,000	2,946
Pre-tax net operating income	$650,000	6,684
Securities gains (losses)	$-6,000	10,112
Applicable income taxes	$218,000	5,980
Income before extraordinary items	$426,000	7,060
Extraordinary gains, net	$0	32
Net income	$426,000	7,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$45,000	5,129
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$429,960	6,943
1997-12-31 (YTD Data)		Rank
Total interest income	$8,073,000	3,935
Total interest expense	$4,818,000	3,091
Net interest income	$3,255,000	4,994
Provision for loan and lease losses	$370,000	2,214
Total noninterest income	$339,000	6,258
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$196,000	5,391
Trading account gains and fees	NA	NA
Additional Noninterest Income	$143,000	5,821
Total noninterest expense	$3,595,000	3,517
Salaries and employee benefits	$1,506,000	4,242
Premises and equipment expense	$724,000	2,651
Additional noninterest expense	$1,365,000	2,974
Pre-tax net operating income	$-371,000	10,684
Securities gains (losses)	$0	3,944
Applicable income taxes	$-130,000	10,742
Income before extraordinary items	$-241,000	10,634
Extraordinary gains, net	$0	44
Net income	$-241,000	10,634
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,835
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-241,000	10,609
1996-12-31 (YTD Data)		Rank
Total interest income	$5,742,000	5,344
Total interest expense	$3,184,000	4,531
Net interest income	$2,558,000	6,098
Provision for loan and lease losses	$230,000	3,114
Total noninterest income	$272,000	7,296
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$159,000	6,316
Trading account gains and fees	NA	NA
Additional Noninterest Income	$113,000	6,777
Total noninterest expense	$1,891,000	6,185
Salaries and employee benefits	$919,000	6,374
Premises and equipment expense	$356,000	4,970
Additional noninterest expense	$616,000	6,255
Pre-tax net operating income	$709,000	6,892
Securities gains (losses)	$0	4,148
Applicable income taxes	$230,000	6,711
Income before extraordinary items	$479,000	7,045
Extraordinary gains, net	$0	53
Net income	$479,000	7,048
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	4,930
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$479,000	6,985
1995-12-31 (YTD Data)		Rank
Total interest income	$4,262,000	6,735
Total interest expense	$2,263,000	5,953
Net interest income	$1,999,000	7,314
Provision for loan and lease losses	$257,000	2,506
Total noninterest income	$199,000	8,437
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$103,000	7,717
Trading account gains and fees	NA	NA
Additional Noninterest Income	$96,000	7,354
Total noninterest expense	$1,631,000	6,891
Salaries and employee benefits	$742,000	7,450
Premises and equipment expense	$332,000	5,224
Additional noninterest expense	$557,000	6,796
Pre-tax net operating income	$310,000	9,668
Securities gains (losses)	$0	3,831
Applicable income taxes	$5,000	11,015
Income before extraordinary items	$305,000	8,891
Extraordinary gains, net	$0	65
Net income	$305,000	8,895
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	8,482
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$305,000	8,860
1994-12-31 (YTD Data)		Rank
Total interest income	$2,309,000	9,242
Total interest expense	$1,151,000	8,094
Net interest income	$1,158,000	9,876
Provision for loan and lease losses	$82,000	4,991
Total noninterest income	$173,000	9,238
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$28,000	10,369
Trading account gains and fees	NA	NA
Additional Noninterest Income	$145,000	6,300
Total noninterest expense	$1,187,000	8,652
Salaries and employee benefits	$526,000	9,155
Premises and equipment expense	$210,000	7,210
Additional noninterest expense	$451,000	8,304
Pre-tax net operating income	$62,000	11,845
Securities gains (losses)	$-2,000	9,023
Applicable income taxes	$0	11,630
Income before extraordinary items	$60,000	11,733
Extraordinary gains, net	$0	249
Net income	$60,000	11,741
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	8,921
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$2,050,000	295
Net operating income	$62,000	11,760
1993-12-31 (YTD Data)		Rank
Total interest income	$519,000	13,039
Total interest expense	$268,000	12,791
Net interest income	$251,000	13,077
Provision for loan and lease losses	$143,000	4,782
Total noninterest income	$57,000	12,364
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$8,000	11,238
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	10,159
Total noninterest expense	$503,000	12,153
Salaries and employee benefits	$220,000	12,461
Premises and equipment expense	$87,000	10,896
Additional noninterest expense	$196,000	11,788
Pre-tax net operating income	$-338,000	12,785
Securities gains (losses)	$0	7,477
Applicable income taxes	$0	12,141
Income before extraordinary items	$-338,000	12,842
Extraordinary gains, net	$0	3,149
Net income	$-338,000	12,842
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	9,922
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$3,850,000	237
Net operating income	$-338,000	12,774

* 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.