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Statement Of Condition

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As of December 31, 2020 (Dollars in Thousands)

ASSETS   
Cash and Due from Banks    $114,741
Investments     $235,794
Funds Sold     $0

Net Loans     $1,364,242
Premises and Fixed Assets     $52,447
Other Real Estate owned    $4,374
Other assets     $36,427
Total Assets     $1,808,025

LIABILITIES
Deposits     $1,468,202
Federal Funds Purchased & Securities sold under 
Repurchase Agreements. $34,055
Other Borrowed Money    $141,181

Other Liabilities     $5,960
Total Liabilities     $1,649,398

EQUITY CAPITAL
   
Common Stock    $345
Surplus     $8,640
Paid in Capital    $30,171
Undivided Profits     $99,393
Current Earnings     $16,167
Other Equity Capital Components    - 3,911
Equity Capital    $158,627


Total Liabilities & Equity Capital    $1,808,025

INTEREST INCOME    
Interest & Fee income-Loans    $68,683
Interest & Dividend Income on    
Securities        $5,209
Interest Income on Federal Funds Sold    $0
Other Interest Income    $329
Total Interest Income    $74,201

INTEREST EXPENSE 
Interest on Deposits    $14,215
Interest on Purchased Funds    $3,765
Total Interest Expense    $17,980
Net Interest Income    $56,221
      
Provision for Loan & Lease Losses    $4,850

NON-INTEREST INCOME
Service Charges on Deposit Accounts    $3,579
Other Noninterest Income    $14,520
Total Noninterest Income    $18,099


NON-INTEREST EXPENSE   
Salaries & Employee Benefits.  $30,220
Expenses of Premises and Fixed Assets. $6,003
Other Noninterest Expense   $12,686
Total Noninterest Expense  $48,909
      
Income (loss) before income taxes and extraordinary items & other adjustments  $20,561
Applicable Income Taxes  $4,394
Net Income (loss)  $16,167

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