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Statement Of Condition

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As of September 30, 2020 (Dollars in Thousands)

ASSETS   
Cash and Due from Banks    $77,241
Investments     $220,855
Funds Sold     $0

Net Loans     $1,327,885
Premises and Fixed Assets     $48,875
Other Real Estate owned    $4,957
Other assets     $36,641
Total Assets     $1,716,464

LIABILITIES
Deposits     $1,370,237
Federal Funds Purchased & Securities sold under 
Repurchase Agreements. $33,557
Other Borrowed Money    $149,974
Other Liabilities     $7,520
Total Liabilities     $1,561,288

EQUITY CAPITAL
   
Common Stock    $345
Surplus     $8,640
Paid in Capital    $30,171
Undivided Profits     $99,393
Current Earnings     $12,778
Other Equity Capital Components    - 3,849
Equity Capital    $155,176


Total Liabilities & Equity Capital    $1,716,464

INTEREST INCOME    
Interest & Fee income-Loans    $51,844
Interest & Dividend Income on    
Securities        $4,008
Interest Income on Federal Funds Sold    $0
Other Interest Income    $289
Total Interest Income    $56,141

INTEREST EXPENSE 
Interest on Deposits    $10,998
Interest on Purchased Funds    $2,872
Total Interest Expense    $13,870
Net Interest Income    $42,271
      
Provision for Loan & Lease Losses    $3,700

NON-INTEREST INCOME
Service Charges on Deposit Accounts    $2,619
Other Noninterest Income    $10,625
Total Noninterest Income    $13,244


NON-INTEREST EXPENSE   
Salaries & Employee Benefits.  $21,939
Expenses of Premises and Fixed Assets. $4,465
Other Noninterest Expense   $9,132
Total Noninterest Expense  $35,536
      
Income (loss) before income taxes and extraordinary items & other adjustments  $16,279
Applicable Income Taxes  $3,501
Net Income (loss)  $12,778

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