Exhibit 99.1

EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2009

SECOND QUARTER FINANCIAL RESULTS

AND QUARTERLY DIVIDEND

Contact:	Kathleen J. Chappell, Vice President and CFO	540-955-2510
		kchappell@bankofclarke.com

BERRYVILLE, VIRGINIA (July 21, 2009) – Eagle Financial Services, Inc. (OTC BULLETIN BOARD: EFSI), the holding company for Bank of Clarke County, whose divisions include Eagle Investment Group, announces second quarter 2009 financial results and a quarterly dividend. The Company’s common stock is listed for trading on the Over-the-Counter (OTC) Bulletin Board under the ticker symbol EFSI.

Second Quarter 2009 Financial Results:

• Net income of $904,000

• Diluted earnings per share $0.28

• Net interest margin of 4.24%

• Allowance for loan losses at 1.13% of total loans

• Retail deposit growth of $14.8 million since December 31, 2008

• Total equity to assets of 9.30%

• Dividend of $0.17 per share

John R. Milleson, President and CEO, stated “These are still difficult times for Eagle Financial Services, Inc., the industry and our economy in general, but there are some signs of recovery, particularly in larger financial institutions and the housing market. I believe that 2009 will continue to present challenges, but the Company is determined to be even stronger after the recession than it had been before. The Bank has been in business for 128 years and it intends to continue to operate in a safe and sound manner for the benefit of its shareholders, its employees and the communities in which it serves.”

Net Interest Income and Net Interest Margin

Net interest income for the quarter ended June 30, 2009 was $5.1 million which represented an increase of 4.7% when compared to $4.9 million for the same period in 2008. Although average earning assets increased $10.0 million since June 30, 2008, the increase in net interest income resulted mostly from the decline in the Company’s funding costs.

Total loan interest income was $5.7 million for the quarter ended June 30, 2009, reflecting a decrease of $496,000 from the quarter ended June 30, 2008. Average loans decreased $1.2 million since June 30, 2008. Interest income from the investment portfolio was $1.2 million for the quarters ended June 30, 2009 and 2008. Average investments increased $5.2 million since June 30, 2008.

Total interest expense for the three months ended June 30, 2009 decreased $761,000 when compared to the three months ended June 30, 2008. The average cost of interest bearing liabilities decreased 83 basis points from the quarter ended June 30, 2008 to the same period in 2009. The average balance of interest bearing liabilities increased $9.4 million from the quarter ended June 30, 2008 to the same period in 2009.

The net interest margin increased from 4.12% for the quarter ended June 30, 2008 to 4.24% for the quarter ended June 30, 2009. The increase in the net interest margin was mostly attributable to the decreased cost of interest bearing liabilities.

The Company’s net interest margin is not a measurement under accounting principles generally accepted in the United States, but it is a common measure used by the financial services industry to determine how profitably earning assets are funded. The Company’s net interest margin is calculated by dividing tax equivalent net interest

income by total average earning assets. Tax equivalent net interest income is calculated by grossing up interest income for the amounts that are non-taxable (i.e., municipal income) then subtracting interest expense. The tax rate utilized is 34%.

Asset Quality and Provision for Loan Losses

Provisions for loan losses were $1.1 million for the three months ended June 30, 2009, compared to $300,000 for the quarter ended June 30, 2008. Although the Company experienced a decrease in total loans since the December 31, 2008, given the level of problem loans, continued uncertainty in the economy, and the ongoing nationwide credit crisis, the Company deemed it prudent to increase its allowance for loan losses.

Non performing assets increased from $2.3 million or .44% of total assets at June 30, 2008 to $4.3 million or .82% of total assets at June 30, 2009. This rise was a result of the increase in both non accrual loans and other real estate owned. During the second quarter of 2009, the Bank foreclosed upon real estate assets valued at $2.2 million and sold three pieces of other real estate owned recorded at $677,000. Loans greater than 90 days past due decreased from $1.3 million at June 30, 2008 to $50,000 at June 30, 2009. The Company realized $1.7 million in net charge-offs for the quarter ended June 30, 2009 versus $272,000 for the same period in 2008. Given the current economic environment, it is anticipated there could be an increase in past due loans, non performing loans and other real estate owned. However, the Company believes that the allowance for loan losses will be maintained at a level adequate to mitigate any negative impact resulting from such increases.

On July 17, 2009, the Company sold its investment in CIT Group, Inc. The Company held two bonds with a book value of $1.0 million and a fair market value of $700,000 at June 30, 2009. The Company will settle on the sale of the two bonds on July 21, 2009 and realize a loss in the amount of $486,000.

Non Interest Income and Non Interest Expense

Noninterest income was $1.3 million and $2.5 million for the quarters ended June 30, 2009 and 2008, respectively. The change in noninterest income reflects a decrease of $1.2 million or 49.2%. For the quarter ended June 30, 2008, the Company had realized a $742,000 gain on the sale of a branch building. Much of the remaining decrease resulted from the decline in commissions earned from sales of non-deposit investments.

Noninterest expense was $4.1 million for the quarters ended June 30, 2009 and 2008. Despite an increase in FDIC insurance premiums of $194,000 for the quarter ended June 30, 2009 versus the same period in 2008, the Company has diligently managed and monitored its other operating expenses.

Total Consolidated Assets

Total consolidated assets of the Company at June 30, 2009 were $522.6 million, which represents a decrease of $5.5 million or 1.1% from total assets of $528.1 million at December 31, 2008. Total loans decreased $503,000 from $390.1 million at December 31, 2008 to $389.6 million at June 30, 2009. Considering the current interest rate and competitive market environment, the Company has been conscientious about maintaining both its underwriting standards and its net interest margin and thereby cautious about the growth it has permitted in the loan portfolio.

Deposits and Other Borrowings

Total deposits, which include brokered deposits, decreased $5.3 million to $381.2 million at June 30, 2009 from $386.5 million at December 31, 2008. Brokered deposits were $5.5 million at June 30, 2009 and $25.5 million at December 31, 2008.

Securities sold under agreement to repurchase were $14.2 million at June 30, 2009 and $16.4 million at December 31, 2008. Borrowings with the Federal Home Loan Bank of Atlanta were $62.3 million at June 30, 2009 and $75.0 million at December 31, 2008.

Equity

Shareholders’ equity at June 30, 2009 and December 31, 2008 was $48.6 million and $46.8 million, respectively. The book value of the Company at June 30, 2009 was $15.28 per common share. Total common shares outstanding were 3,180,899 at June 30, 2009. On July 15, 2009, the board of directors declared a $0.17 per common share cash dividend for shareholders of record as of August 1, 2009 and payable on August 14, 2009.

Certain information contained in this discussion may include “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements relate to the Company’s future operations and are generally identified by phrases such as “the Company expects,” “the Company believes” or words of similar import. Although the Company believes that its expectations with respect to the forward-looking statements are based upon reliable assumptions within the bounds of its knowledge of its business and operations, there can be no assurance that actual results, performance or achievements of the Company will not differ materially from any future results, performance or achievements expressed or implied by such forward-looking statements. For details on factors that could affect expectations, see the risk factors and other cautionary language included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2008, and other filings with the Securities and Exchange Commission.

EAGLE FINANCIAL SERVICES, INC.

KEY STATISTICS

	For the Three Months Ended
	2Q09			1Q09			2Q08			1Q08
Net Income (dollars in thousands)	$	904		$	955		$	2,081		$	1,689
Earnings per share, basic	$	0.29		$	0.30		$	0.66		$	0.54
Earnings per share, diluted	$	0.28		$	0.30		$	0.66		$	0.54
Return on average total assets		0.71	%		0.74	%		1.61	%		1.32	%
Return on average total equity		7.80	%		8.27	%		17.76	%		14.75	%
Dividend payout ratio		58.62	%		56.67	%		25.76	%		29.63	%
Fee revenue as a percent of total revenue		15.44	%		15.13	%		25.01	%		15.58	%
Net interest margin(1)		4.24	%		3.98	%		4.12	%		3.90	%
Yield on average earning assets		5.67	%		5.66	%		6.20	%		6.42	%
Yield on average interest-bearing liabilities		1.82	%		2.12	%		2.65	%		3.17	%
Net interest spread		3.85	%		3.54	%		3.55	%		3.25	%
Tax equivalent adjustment to net interest income (dollars in thousands)	$	187		$	182		$	175		$	174
Non-interest income to average assets		0.95	%		0.92	%		1.92	%		1.51	%
Non-interest expense to average assets		3.10	%		2.92	%		3.16	%		3.04	%
Efficiency ratio(2)		62.88	%		63.04	%		54.20	%		58.50	%

(1) The net interest margin is calculated by dividing tax equivalent net interest income by total average earning assets. Tax equivalent interest income is calculated by grossing up interest income for the amounts that are non taxable (i.e., municipal income) then subtracting interest expense. The rate utilized is 34%. For the quarters ended June 30, 2009 and June 30, 2008 net interest income on a tax equivalent basis was $5.3 million and $5.0 million, respectively. For the quarters ended March 31, 2009 and March 31, 2008 net interest income on a tax equivalent basis was $4.9 million and $4.7 million, respectively. See the table below for a reconciliation of net interest income to tax equivalent net interest income. The Company’s net interest margin is a common measure used by the financial service industry to determine how profitable earning assets are funded. Because the Company earns a fair amount of non taxable interest income due to the mix of securities in its investment security portfolio, net interest income for the ratio is calculated on a tax equivalent basis as described above.

(2) The efficiency ratio is not a measurement under accounting principles generally accepted in the United States. It is calculated by dividing non interest expense by the sum of tax equivalent net interest income and non interest income excluding gains and losses on the investment portfolio. The tax rate utilized is 34%. For the quarters ended June 30, 2009 and June 30, 2008, tax equivalent net interest income was $5.3 million and $5.0 million, respectively. For the quarters ended March 31, 2009 and March 31, 2008 net interest income on a tax equivalent basis was $4.9 million and $4.7 million, respectively. See the table below for a reconciliation of net interest income to tax equivalent net interest income. Total non interest income, excluding gains and losses on the investment portfolio, for the quarters ended June 30, 2009 and June 30, 2008, was $1.3 million and $2.5 million, respectively. Total non interest income, excluding gains and losses on the investment portfolio, for the quarters ended March 31, 2009 and March 31, 2008, was $1.2 million and $1.9 million, respectively. The Company calculates this ratio in order to evaluate its overhead structure or how effectively it is operating. An increase in the ratio from period to period indicates the Company is losing a larger percentage of its income to expenses. The Company believes that the efficiency ratio is a reasonable measure of profitability.

EAGLE FINANCIAL SERVICES, INC.

SELECTED FINANCIAL DATA BY QUARTER

	2Q09			1Q09			2Q08			1Q08
BALANCE SHEET RATIOS
Loans to deposits		102.20	%		96.85	%		104.96	%		103.21	%
Average interest-earning assets to average-interest bearing liabilities		126.56	%		125.56	%		127.07	%		125.77	%
PER SHARE DATA
Dividends	$	0.17		$	0.17		$	0.17		$	0.16
Book value	$	15.28		$	14.74		$	14.96		$	14.85
Tangible book value	$	15.26		$	14.71		$	14.92		$	14.81
SHARE PRICE DATA
Closing price	$	15.00		$	14.60		$	21.00		$	22.00
Diluted earnings multiple(1)		0.98			0.99			1.41			1.48
Book value multiple(2)		0.98			0.99			1.40			1.48
COMMON STOCK DATA
Outstanding shares at end of period		3,180,899			3,167,250			3,167,250			3,128,667
Weighted average shares outstanding		3,169,197			3,162,666			3,132,315			3,125,355
Weighted average shares outstanding, diluted		3,172,659			3,166,620			3,138,161			3,132,370
CAPITAL RATIOS
Total equity to total assets		9.30	%		8.72	%		9.05	%		8.98	%
CREDIT QUALITY
Net charge-offs to average loans		0.43	%		0.08	%		0.07	%		0.02	%
Total non-performing loans to total loans		0.54	%		1.52	%		0.32	%		0.34	%
Total non-performing assets to total assets		0.82	%		1.30	%		0.44	%		0.30	%
Non-accrual loans to:
total loans		0.53	%		1.10	%		0.00	%		0.18	%
total assets		0.39	%		0.80	%		0.00	%		0.14	%
Allowance for loan losses to:
total loans		1.13	%		1.29	%		0.85	%		0.85	%
non-performing assets		102.74	%		72.12	%		144.39	%		216.01	%
non-accrual loans		213.60	%		116.66	%		0.00	%		473.44	%
NON-PERFORMING ASSETS:
(dollars in thousands)
Loans delinquent over 90 days	$	50		$	1,624		$	1,269		$	624
Non-accrual loans		2,052			4,293			—			704
Other real estate owned and repossessed assets		2,164			1,027			1,020			215
NET LOAN CHARGE-OFFS (RECOVERIES):
(dollars in thousands)
Loans charged off	$	1,727		$	361		$	301		$	99
(Recoveries)		(52	)		(48	)		(29	)		(13	)
Net charge-offs (recoveries)		1,675			313			272			86
PROVISION FOR LOAN LOSSES (dollars in thousands)	$	1,050		$	800		$	300			200
ALLOWANCE FOR LOAN LOSS SUMMARY
(dollars in thousands)
Balance at the beginning of period	$	5,008		$	4,521		$	3,305		$	3,191
Provision		1,050			800			300			200
Net charge-offs (recoveries)		1,675			313			272			86
Balance at the end of period	$	4,383		$	5,008		$	3,333		$	3,305

(1) The diluted earnings multiple (or price earnings ratio) is calculated by dividing the period’s closing market price per share by total equity per weighted average shares outstanding, diluted for the period. The diluted earnings multiple is a measure of how much an investor may be willing to pay for $1.00 of the Company’s earnings.

(2) The book value multiple (or price to book ratio) is calculated by dividing the period’s closing market price per share by the period’s book value per share. The book value multiple is a measure used to compare the Company’s market value per share to its book value per share.

EAGLE FINANCIAL SERVICES, INC.

BALANCE SHEET

(dollars in thousands)

	Unaudited 6/30/2009			Unaudited 3/31/2009			Audited 12/31/2008			Unaudited 6/30/2008			Unaudited 3/31/2008
Assets
Cash and due from banks	$	7,841		$	7,425		$	7,287		$	9,687		$	10,768
Federal funds sold		—			16,679			11,052			—			1,326
Securities available for sale, at fair value		101,884			101,796			98,919			97,675			97,960
Loans, net of allowance for loan losses		385,200			383,632			385,565			387,327			384,292
Bank premises and equipment, net		15,006			15,165			15,377			15,681			16,420
Other assets		12,679			10,685			9,942			8,069			7,053
Total assets	$	522,610		$	535,382		$	528,142		$	518,439		$	517,819
Liabilities and Shareholders’ Equity
Liabilities
Deposits:
Noninterest bearing demand deposits	$	83,985		$	83,180		$	81,340		$	81,065		$	80,968
Savings and interest bearing demand deposits		154,071			153,629			154,622			154,827			144,584
Time deposits		143,130			164,471			150,565			136,295			149,989
Total deposits	$	381,186		$	401,280		$	386,527		$	372,187		$	375,541
Federal funds purchased and securities sold under agreements to repurchase		19,791			14,717			14,693			19,324			15,505
Federal Home Loan Bank advances		62,250			62,250			70,000			70,000			70,000
Trust preferred capital notes		7,217			7,217			7,217			7,217			7,217
Other liabilities		3,555			3,244			2,876			2,810			3,079
Commitments and contingent liabilities		—			—			—			—			—
Total liabilities	$	473,999		$	488,708		$	481,313		$	471,538		$	471,342
Shareholders’ Equity
Preferred stock, $10 par value	$	—		$	—		$	—		$	—		$	—
Common stock, $2.50 par value		7,952			7,918			7,888			7,839			7,822
Surplus		8,085			7,872			7,796			7,418			7,256
Retained earnings		33,558			33,194			32,779			33,566			32,019
Accumulated other comprehensive income		(984	)		(2,310	)		(1,634	)		(1,922	)		(620	)
Total shareholders’ equity	$	48,611		$	46,674		$	46,829		$	46,901		$	46,477
Total liabilities and shareholders’ equity	$	522,610		$	535,382		$	528,142		$	518,439		$	517,819

EAGLE FINANCIAL SERVICES, INC.

SUMMARY INCOME STATEMENT

(dollars in thousands)

	Unaudited 6/30/2009		Unaudited 3/31/2009		Unaudited 6/30/2008		Unaudited 3/31/2008
Interest and Dividend Income
Interest and fees on loans	$	5,698	$	5,604	$	6,194	$	6,491
Interest on federal funds sold		3		4		8		28
Interest and dividends on securities available for sale:
Taxable interest income		748		753		691		594
Interest income exempt from federal income taxes		298		285		290		297
Dividends		119		113		219		182
Interest on deposits in banks		2		—		1		2
Total interest and dividend income	$	6,868	$	6,759	$	7,403	$	7,594
Interest Expense
Interest on deposits	$	1,080	$	1,328	$	1,694	$	2,115
Interest on federal funds purchased and securities sold under agreements to repurchase		95		97		- 130		107
Interest on Federal Home Loan Bank advances		530		564		640		724
Interest on trust preferred capital notes		48		61		81		108
Interest on interest rate swap		31		17		—		—
Total interest expense	$	1,784	$	2,067	$	2,545	$	3,054
Net interest income	$	5,084	$	4,692	$	4,858	$	4,540
Provision For Loan Losses		1,050		800		300		200
Net interest income after provision for loan losses	$	4,034	$	3,892	$	4,558	$	4,340
Noninterest Income
Income from fiduciary activities	$	204		240	$	274	$	219
Service charges on deposit accounts		517		477		584		553
Other service charges and fees		494		486		717		711
Gain on the sale of loans		—		—		—		376
Gain on the sale of bank premises and equipment		—		—		742		—
Gain (loss) on the sale of other real estate owned		4		—		—		—
Other operating income		35		2		152		63
Total noninterest income	$	1,254	$	1,205	$	2,469	$	1,922
Noninterest Expenses
Salaries and employee benefits	$	2,287	$	2,170	$	2,321	$	2,297
Occupancy expenses		348		296		358		287
Equipment expenses		166		171		175		171
Advertising and marketing expenses		87		95		90		88
Stationery and supplies		80		85		101		92
ATM network fees		32		31		112		103
Other operating expenses		1,103		984		909		844
Total noninterest expenses	$	4,103	$	3,832	$	4,066	$	3,882
Income before income taxes	$	1,185	$	1,265	$	2,961	$	2,380
Income Tax Expense		281		310		880		691
Net income	$	904	$	955	$	2,081	$	1,689
Earnings Per Share
Net income per common share, basic	$	0.29	$	0.30	$	0.66	$	0.54
Net income per common share, diluted	$	0.28	$	0.30	$	0.66	$	0.54

EAGLE FINANCIAL SERVICES, INC.

Average Balances, Income and Expenses, Yields and Rates

(dollars in thousands)

	For the Three Months Ended June 30,
	2009					2008
	Average Balance		Interest Income/ Expense	Average Rate		Average Balance		Interest Income/ Expense	Average Rate
Assets:
Securities:
Taxable	71,617		3,478	4.86	%	68,189		3,640	5.34	%
Tax-Exempt (1)	32,614		1,814	5.56	%	30,892		1,760	5.70	%
Total Securities	104,231		5,292	5.08	%	99,081		5,400	5.45	%
Loans:
Taxable	380,692		22,595	5.94	%	383,884		24,581	6.40	%
Tax-Exempt (1)	6,221		393	6.32	%	4,218		299	7.09	%
Total Loans	386,913		22,988	5.94	%	388,102		24,880	6.41	%
Federal funds sold	7,647		12	0.16	%	1,726		32	1.85	%
Interest-bearing deposits in other banks	215		8	3.72	%	122		4	3.28	%
Total earning assets	499,006		28,300	5.67	%	489,031		30,316	6.20	%
Allowance for loan losses	(4,359	)				(3,352	)
Total non-earning assets	35,403					30,787
Total assets	530,050					516,466
Liabilities and Shareholders’ Equity:
Interest-bearing deposits:
NOW accounts	57,173		287	0.50	%	62,151		656	1.06	%
Money market accounts	60,352		557	0.92	%	51,691		901	1.74	%
Savings accounts	36,734		124	0.34	%	34,152		220	0.64	%
Time deposits:
$100,000 and more	53,221		1,109	2.08	%	71,827		2,473	3.44	%
Less than $100,000	102,638		2,257	2.20	%	69,219		2,526	3.65	%
Total interest-bearing deposits	310,118		4,334	1.40	%	289,040		6,776	2.34	%
Federal funds purchased and securities sold under agreements to repurchase	14,685		382	2.60	%	18,609		520	2.79	%
Federal Home Loan Bank advances	62,250		2,125	3.41	%	70,000		2,560	3.66	%
Trust preferred capital notes	7,217		317	4.39	%	7,217		324	4.49	%
Total interest-bearing liabilities	394,270		7,158	1.82	%	384,866		10,180	2.65	%
Noninterest-bearing liabilities:
Demand deposits	84,477					81,793
Other Liabilities	3,232					2,920
Total liabilities	481,979					469,579
Shareholders’ equity	48,071					46,887
Total liabilities and shareholders’ equity	530,050					516,466
Net interest income			21,142					20,136
Net interest spread				3.85	%				3.55	%
Interest expense as a percent of average earning assets				1.43	%				2.08	%
Net interest margin				4.24	%				4.12	%

(1) Income and yields are reported on a tax equivalent basis using a federal tax rate of 34%.

EAGLE FINANCIAL SERVICES, INC.

Average Balances, Income and Expenses, Yields and Rates

(dollars in thousands)

	For the Three Months Ended March 31,
	2009					2008
	Average Balance		Interest Income/ Expense	Average Rate		Average Balance		Interest Income/ Expense	Average Rate
Assets:
Securities:
Taxable	68,082		3,529	5.18	%	58,270		3,104	5.33	%
Tax-Exempt (1)	31,189		1,750	5.61	%	31,613		1,800	5.69	%
Total Securities	99,271		5,279	5.32	%	89,883		4,904	5.46	%
Loans:
Taxable	383,241		22,451	5.86	%	386,550		25,796	6.67	%
Tax-Exempt (1)	5,776		419	7.26	%	3,429		252	7.35	%
Total Loans	389,017		22,870	5.88	%	389,979		26,048	6.68	%
Federal funds sold	8,642		17	0.20	%	3,937		112	2.84	%
Interest-bearing deposits in other banks	314		1	0.18	%	248		8	3.23	%
Total earning assets	497,243		28,167	5.66	%	484,047		31,072	6.42	%
Allowance for loan losses	(4,606	)				(3,233	)
Total non-earning assets	33,073					31,210
Total assets	525,710					512,024
Liabilities and Shareholders’ Equity:
Interest-bearing deposits:
NOW accounts	57,565		384	0.67	%	64,435		847	1.31	%
Money market accounts	59,458		750	1.26	%	45,635		910	1.99	%
Savings accounts	34,286		160	0.47	%	33,184		227	0.68	%
Time deposits:
$100,000 and more	57,823		1,602	2.77	%	78,507		3,393	4.32	%
Less than $100,000	95,706		2,489	2.60	%	72,886		3,082	4.23	%
Total interest-bearing deposits	304,838		5,385	1.77	%	294,647		8,459	2.87	%
Federal funds purchased and securities sold under agreements to repurchase	15,673		394	2.51	%	13,774		428	3.11	%
Federal Home Loan Bank advances	68,278		2,287	3.35	%	69,231		2,896	4.18	%
Trust preferred capital notes	7,217		317	4.39	%	7,217		432	5.99	%
Total interest-bearing liabilities	396,005		8,382	2.12	%	384,869		12,215	3.17	%
Noninterest-bearing liabilities:
Demand deposits	79,854					78,450
Other Liabilities	3,014					2,898
Total liabilities	478,873					466,217
Shareholders’ equity	46,837					45,807
Total liabilities and shareholders’ equity	525,710					512,024
Net interest income			19,785					18,857
Net interest spread				3.54	%				3.25	%
Interest expense as a percent of average earning assets				1.69	%				2.52	%
Net interest margin				3.98	%				3.90	%

(1) Income and yields are reported on a tax equivalent basis using a federal tax rate of 34%.

EAGLE FINANCIAL SERVICES, INC.

Reconciliation of Tax-Equivalent Net Interest Income

(dollars in thousands)

	Three Months Ended
	6/30/2009		3/31/2009		6/30/2008		3/31/2008
GAAP Financial Measurements:
Interest Income - Loans	$	5,698	$	5,604	$	6,194	$	6,491
Interest Income - Securities and Other Interest-Earnings Assets		1,170		1,155		1,209		1,103
Interest Expense - Deposits		1,080		1,328		1,694		2,115
Interest Expense - Other Borrowings		704		739		851		939
Total Net Interest Income	$	5,084	$	4,692	$	4,858	$	4,540
Non-GAAP Financial Measurements:
Add: Tax Benefit on Tax-Exempt Interest Income - Loans	$	33	$	35	$	26	$	21
Add: Tax Benefit on Tax-Exempt Interest Income - Securities		154		147		150		153
Total Tax Benefit on Tax-Exempt Interest Income	$	187	$	182	$	176		174
Tax-Equivalent Net Interest Income	$	5,271	$	4,874	$	5,034	$	4,714