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Statement Of Condition

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As of September 30, 2018 (Dollars in Thousands)

ASSETS   
Cash and Due from Banks    $16,667
Investments     $194,394
Loans     $1,127,333
Fed Funds Sold     $625
Premises and Fixed Assets     $38,862
Other Real Estate owned    $6,108
Other assets     $41,122
Total Assets     $1,425,111

LIABILITIES
Deposits     $1,090,718
Federal Funds Purchased & Securities sold under 
Repurchase Agreements. $30,094
Other Borrowed Money    $178,927
Other Liabilities     $6,219
Total Liabilities     $1,305,958

EQUITY CAPITAL
   
Common Stock    $345
Surplus     $8,640
Paid in Capital    $24,671
Undivided Profits     $79,871
Current Earnings     $11,432
Other Equity Capital Components     -$5,806
Equity Capital    $119,153


Total Liabilities & Equity Capital    $1,425,111

INTEREST INCOME    
Interest & Fee income-Loans    $42,678
Interest & Dividend Income on    
Securities        $3,769
Interest Income on Federal Funds Sold    $5
Other Interest Income    $222
Total Interest Income    $46,674

INTEREST EXPENSE 
Interest on Deposits    $7,537
Interest on Purchased Funds    $2,585
Total Interest Expense    $10,122
Net Interest Income    $36,552
      
Provision for Loan & Lease Losses    $2,700

NON-INTEREST INCOME
Service Charges on Deposit Accounts    $2,956
Other Noninterest Income    $6,155
Total Noninterest Income    $9,111


NON-INTEREST EXPENSE   
Salaries & Employee Benefits.  $16,959
Expenses of Premises and Fixed Assets. $3,235
Other Noninterest Expense   $8,212
Total Noninterest Expense  $28,406
      
Income (loss) before income taxes and extraordinary items & other adjustments  $14,557
Applicable Income Taxes  $3,125
Net Income (loss)  $11,432

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