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Statement Of Conditions

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As of March 31, 2023 (Dollars in Thousands)


ASSETS


Cash and Due from Banks
$99,633
Investments
$255,806
Funds Sold
$0
Net Loans
$2,064,702
Premises and Fixed Assets 
$72,345
Other Real Estate owned 
$194
Other assets 
$60,505
Total Assets 
$2,556,185



LIABILITIES


Deposits
$1,972,217
Federal Funds Purchased & Securities
sold under Repurchase Agreements
$53,464
Other Borrowed Money
$336,159
Other Liabilities
$13,248
Total Liabilities
$2,375,088



EQUITY CAPITAL


Common Stock
$345
Surplus 
$8,640
Paid in Capital
$43,881
Undivided Profits
$159,854
Current Earnings
$5,692
Other Equity Capital Components
-37,315
Equity Capital
$181,097
Total Liabilities & Equity Capital $2,556,185


INTEREST INCOME


Interest & Fee income-Loans
$27,902
Interest & Dividend Income on    
Securities 

$1,602
Interest Income on Federal Funds Sold
$4
Other Interest Income
$668
Total Interest Income
$30,176


INTEREST EXPENSE


Interest on Deposits 
$7,280
Interest on Purchased Funds
$2,863
Total Interest Expense
$10,143
Net Interest Income
$20,033
Provision for Loan & Lease Losses $885


NON-INTEREST INCOME


Service Charges on Deposit Accounts
$1,120
Other Noninterest Income
$4,035
Total Noninterest Income
$20,033



NON-INTEREST EXPENSE


Salaries & Employee Benefits
$10,280
Expenses of Premises and Fixed Assets
$1,773
Other Noninterest Expense
$4,968
Total Noninterest Expense
$17,021
Income (loss) before income taxes and extraordinary items & other adjustments $7,282
Applicable Income Taxes $1,590
Net Income (loss) $5,692

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