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Statement Of Condition

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As of March 31, 2018 (Dollars in Thousands)

ASSETS   
Cash and Due from Banks    $13,591
Investments     $183,750
Loans     $1,084,762
Fed Funds Sold     $0
Premises and Fixed Assets     $37,207
Other Real Estate owned    $6,405
Other assets     $32,429
Total Assets     $1,358,144

LIABILITIES
Deposits     $1,072,003
Federal Funds Purchased & Securities sold under 
Repurchase Agreements. $34,177
Other Borrowed Money    $133,331
Other Liabilities     $5,375
Total Liabilities     $1,244,886

EQUITY CAPITAL
   
Common Stock    $345
Surplus     $8,640
Paid in Capital    $24,671
Undivided Profits     $79,871
Current Earnings     $3,735
Other Equity Capital Components     -$4,004
Equity Capital    $113,258


Total Liabilities & Equity Capital    $1,358,144

INTEREST INCOME    
Interest & Fee income-Loans    $13,513
Interest & Dividend Income on    
Securities        $1,216
Interest Income on Federal Funds Sold    $3
Other Interest Income    $74
Total Interest Income    $14,806

INTEREST EXPENSE 
Interest on Deposits    $2,297
Interest on Purchased Funds    $679
Total Interest Expense    $2,976
Net Interest Income    $11,830
      
Provision for Loan & Lease Losses    $900

NON-INTEREST INCOME
Service Charges on Deposit Accounts    $950
Other Noninterest Income    $1,885
Total Noninterest Income    $2,835


NON-INTEREST EXPENSE   
Salaries & Employee Benefits.  $5,513
Expenses of Premises and Fixed Assets. $1,039
Other Noninterest Expense   $2,460
Total Noninterest Expense  $9,012
      
Income (loss) before income taxes and extraordinary items & other adjustments  $4,753
Applicable Income Taxes  $1,018
Net Income (loss)  $3,735

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