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Statement Of Condition

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As of September 30, 2019 (Dollars in Thousands)

ASSETS   
Cash and Due from Banks    $50,909
Investments     $220,606
Loans     $1,150,516
Fed Funds Sold     $0
Premises and Fixed Assets     $42,486
Other Real Estate owned    $6,220
Other assets     $35,247
Total Assets     $1,505,984

LIABILITIES
Deposits     $1,157,719
Federal Funds Purchased & Securities sold under 
Repurchase Agreements. $30,547
Other Borrowed Money    $166,717
Other Liabilities     $6,956
Total Liabilities     $1,361,939

EQUITY CAPITAL
   
Common Stock    $345
Surplus     $8,640
Paid in Capital    $30,171
Undivided Profits     $92,783
Current Earnings     $10,622
Other Equity Capital Components    - 1,484
Equity Capital    $144,045


Total Liabilities & Equity Capital    $1,505,984

INTEREST INCOME    
Interest & Fee income-Loans    $47,766
Interest & Dividend Income on    
Securities        $4,366
Interest Income on Federal Funds Sold    $2
Other Interest Income    $539
Total Interest Income    $52,643

INTEREST EXPENSE 
Interest on Deposits    $11,283
Interest on Purchased Funds    $3,512
Total Interest Expense    $14,795
Net Interest Income    $37,848
      
Provision for Loan & Lease Losses    $2,250

NON-INTEREST INCOME
Service Charges on Deposit Accounts    $3,180
Other Noninterest Income    $6,722
Total Noninterest Income    $9,902


NON-INTEREST EXPENSE   
Salaries & Employee Benefits.  $18,743
Expenses of Premises and Fixed Assets. $4,144
Other Noninterest Expense   $9,178
Total Noninterest Expense  $32,065
      
Income (loss) before income taxes and extraordinary items & other adjustments  $13,435
Applicable Income Taxes  $2,813
Net Income (loss)  $10,622

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