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Statement Of Condition

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As of December 31, 2019 (Dollars in Thousands)

ASSETS   
Cash and Due from Banks    $53,783
Investments     $225,770
Loans     $1,150,020
Fed Funds Sold     $0
Premises and Fixed Assets     $45,348
Other Real Estate owned    $6,911
Other assets     $35,241
Total Assets     $1,521,073

LIABILITIES
Deposits     $1,212,992
Federal Funds Purchased & Securities sold under 
Repurchase Agreements. $25,911
Other Borrowed Money    $130,408
Other Liabilities     $6,636
Total Liabilities     $1,375,947

EQUITY CAPITAL
   
Common Stock    $345
Surplus     $8,640
Paid in Capital    $30,171
Undivided Profits     $90,183
Current Earnings     $14,510
Other Equity Capital Components    - 1,277
Equity Capital    $145,126


Total Liabilities & Equity Capital    $1,521,073

INTEREST INCOME    
Interest & Fee income-Loans    $63,705
Interest & Dividend Income on    
Securities        $5,791
Interest Income on Federal Funds Sold    $2
Other Interest Income    $730
Total Interest Income    $70,228

INTEREST EXPENSE 
Interest on Deposits    $15,261
Interest on Purchased Funds    $4,553
Total Interest Expense    $19,814
Net Interest Income    $50,414
      
Provision for Loan & Lease Losses    $2,450

NON-INTEREST INCOME
Service Charges on Deposit Accounts    $4,331
Other Noninterest Income    $9,140
Total Noninterest Income    $13,471


NON-INTEREST EXPENSE   
Salaries & Employee Benefits.  $25,230
Expenses of Premises and Fixed Assets. $5,570
Other Noninterest Expense   $12,293
Total Noninterest Expense  $43,093
      
Income (loss) before income taxes and extraordinary items & other adjustments  $18,342
Applicable Income Taxes  $3,832
Net Income (loss)  $14,510

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