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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    $14,815
Investments     $187,222
Loans     $1,099,668
Fed Funds Sold     $0
Premises and Fixed Assets     $38,434
Other Real Estate owned    $5,656
Other assets     $37,920
Total Assets     $1,383,715

LIABILITIES
Deposits     $1,088,332
Federal Funds Purchased & Securities sold under 
Repurchase Agreements. $25,195
Other Borrowed Money    $147,357
Other Liabilities     $5,908
Total Liabilities     $1,266,792

EQUITY CAPITAL
   
Common Stock    $345
Surplus     $8,640
Paid in Capital    $24,671
Undivided Profits     $79,871
Current Earnings     $7,543
Other Equity Capital Components     -$4,147
Equity Capital    $116,923


Total Liabilities & Equity Capital    $1,383,715

INTEREST INCOME    
Interest & Fee income-Loans    $27,865
Interest & Dividend Income on    
Securities        $2,473
Interest Income on Federal Funds Sold    $3
Other Interest Income    $154
Total Interest Income    $30,495

INTEREST EXPENSE 
Interest on Deposits    $4,791
Interest on Purchased Funds    $1,602
Total Interest Expense    $6,393
Net Interest Income    $24,102
      
Provision for Loan & Lease Losses    $1,800

NON-INTEREST INCOME
Service Charges on Deposit Accounts    $1,930
Other Noninterest Income    $3,870
Total Noninterest Income    $5,800


NON-INTEREST EXPENSE   
Salaries & Employee Benefits.  $11,116
Expenses of Premises and Fixed Assets. $2,120
Other Noninterest Expense   $5,267
Total Noninterest Expense  $18,503
      
Income (loss) before income taxes and extraordinary items & other adjustments  $9,599
Applicable Income Taxes  $2,056
Net Income (loss)  $7,543

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