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Statement Of Condition

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As of June 30, 2019 (Dollars in Thousands)

ASSETS   
Cash and Due from Banks    $31,434
Investments     $219,480
Loans     $1,157,678
Fed Funds Sold     $0
Premises and Fixed Assets     $42,317
Other Real Estate owned    $6,220
Other assets     $36,238
Total Assets     $1,493,367

LIABILITIES
Deposits     $1,152,819
Federal Funds Purchased & Securities sold under 
Repurchase Agreements. $23,110
Other Borrowed Money    $171,200
Other Liabilities     $6,894
Total Liabilities     $1,354,023

EQUITY CAPITAL
   
Common Stock    $345
Surplus     $8,640
Paid in Capital    $30,171
Undivided Profits     $92,783
Current Earnings     $6,761
Other Equity Capital Components    - 644
Equity Capital    $139,344


Total Liabilities & Equity Capital    $1,493,367

INTEREST INCOME    
Interest & Fee income-Loans    $31,530
Interest & Dividend Income on    
Securities        $2,902
Interest Income on Federal Funds Sold    $2
Other Interest Income    $309
Total Interest Income    $34,743

INTEREST EXPENSE 
Interest on Deposits    $7,316
Interest on Purchased Funds    $2,315
Total Interest Expense    $9,631
Net Interest Income    $25,112
      
Provision for Loan & Lease Losses    $1,650

NON-INTEREST INCOME
Service Charges on Deposit Accounts    $2,033
Other Noninterest Income    $4,312
Total Noninterest Income    $6,345


NON-INTEREST EXPENSE   
Salaries & Employee Benefits.  $12,299
Expenses of Premises and Fixed Assets. $2,701
Other Noninterest Expense   $6,277
Total Noninterest Expense  $21,277
      
Income (loss) before income taxes and extraordinary items & other adjustments  $8,530
Applicable Income Taxes  $1,769
Net Income (loss)  $6,761

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