Prior Year
	3rd-2005
Credit Quality	Avg		Avg		Low	High
Non-Performing Assets to Total Loans	0.76		0.81		0.00	8.50		0.20	1.24
Allowance for Loan Losses to Total Loans	1.23		1.23		0.15	3.60		0.96	1.46
Net Charge-Offs to Total Loans	0.15		0.11		-0.64	5.47		0.00	0.14
Concentrations
Total Securities to Total Assets	20.5		19.3		0.4	64.9		9.8	27.3
Total Loans to Total Assets	70.1		71.9		25.6	95.7		62.6	81.7
Yields
Yield on Total Securities	4.33		4.76		2.23	10.35		4.26	5.19
Yield on Total Loans	6.78		7.59		5.42	12.55		7.00	8.25
Portfolio Values
Total Securities MV Prem	-0.41		-0.73		-6.81	16.09		-1.56	-0.25
Total Loans PV Prem	1.41		1.05		-9.65	12.52		-0.30	2.50