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Statement Of Condition

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As of June 30, 2020 (Dollars in Thousands)

ASSETS   
Cash and Due from Banks    $99,728
Investments     $222,259
Loans     $1,272,556
Fed Funds Sold     $0
Premises and Fixed Assets     $47,140
Other Real Estate owned    $6,763
Other assets     $37,665
Total Assets     $1,686,111

LIABILITIES
Deposits     $1,345,719
Federal Funds Purchased & Securities sold under 
Repurchase Agreements. $32,285
Other Borrowed Money    $149,152
Other Liabilities     $8,069
Total Liabilities     $1,535,226

EQUITY CAPITAL
   
Common Stock    $345
Surplus     $8,640
Paid in Capital    $30,171
Undivided Profits     $90,393
Current Earnings     $8,240
Other Equity Capital Components    - 4,097
Equity Capital    $150,886


Total Liabilities & Equity Capital    $1,686,111

INTEREST INCOME    
Interest & Fee income-Loans    $35,115
Interest & Dividend Income on    
Securities        $2,771
Interest Income on Federal Funds Sold    $0
Other Interest Income    $241
Total Interest Income    $38,127

INTEREST EXPENSE 
Interest on Deposits    $7,592
Interest on Purchased Funds    $1,937
Total Interest Expense    $9,529
Net Interest Income    $28,598
      
Provision for Loan & Lease Losses    $3,250

NON-INTEREST INCOME
Service Charges on Deposit Accounts    $1,754
Other Noninterest Income    $6,270
Total Noninterest Income    $8,024


NON-INTEREST EXPENSE   
Salaries & Employee Benefits.  $14,087
Expenses of Premises and Fixed Assets. $2,909
Other Noninterest Expense   $5,915
Total Noninterest Expense  $22,911
      
Income (loss) before income taxes and extraordinary items & other adjustments  $10,461
Applicable Income Taxes  $2,221
Net Income (loss)  $8,240

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