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Statement Of Condition

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As of March 31, 2021 (Dollars in Thousands)

ASSETS   
Cash and Due from Banks    $100,598
Investments     $241,307
Funds Sold     $0

Net Loans     $1,414,020
Premises and Fixed Assets     $55,549
Other Real Estate owned    $3,928
Other assets     $36,253
Total Assets     $1,851,655

LIABILITIES
Deposits     $1,518,972
Federal Funds Purchased & Securities sold under 
Repurchase Agreements. $33,223
Other Borrowed Money    $132,462

Other Liabilities     $7,503
Total Liabilities     $1,692,160

EQUITY CAPITAL
   
Common Stock    $345
Surplus     $8,640
Paid in Capital    $30,171
Undivided Profits     $114,069
Current Earnings     $5,925
Other Equity Capital Components   345
Equity Capital    $159,495


Total Liabilities & Equity Capital    $1,851,655

INTEREST INCOME    
Interest & Fee income-Loans    $18,531
Interest & Dividend Income on    
Securities        $1,179
Interest Income on Federal Funds Sold    $0
Other Interest Income    $40
Total Interest Income    $19,750

INTEREST EXPENSE 
Interest on Deposits    $2,798
Interest on Purchased Funds    $821
Total Interest Expense    $3,619
Net Interest Income    $16,131
      
Provision for Loan & Lease Losses    $1,250

NON-INTEREST INCOME
Service Charges on Deposit Accounts    $850
Other Noninterest Income    $4,733
Total Noninterest Income    $5,583


NON-INTEREST EXPENSE   
Salaries & Employee Benefits.  $8,303
Expenses of Premises and Fixed Assets. $1,364
Other Noninterest Expense   $3,108
Total Noninterest Expense  $12,775
      
Income (loss) before income taxes and extraordinary items & other adjustments  $7,689
Applicable Income Taxes  $1,764
Net Income (loss)  $5,925

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