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Statement Of Conditions

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As of June 30, 2021 (Dollars in Thousands)

ASSETS   
Cash and Due from Banks    $53,316
Investments     $252,773
Funds Sold     $0

Net Loans     $1,486,109
Premises and Fixed Assets     $59,512
Other Real Estate owned    $2,481
Other assets     $35,780
Total Assets     $1,894,971

LIABILITIES
Deposits     $1,556,714
Federal Funds Purchased & Securities sold under 
Repurchase Agreements. $37,541
Other Borrowed Money    $127,274

Other Liabilities     $6,881
Total Liabilities     $1,728,410

EQUITY CAPITAL
   
Common Stock    $345
Surplus     $8,640
Paid in Capital    $30,171
Undivided Profits     $114,069
Current Earnings     $11,715
Other Equity Capital Components   1,620
Equity Capital    $166,561


Total Liabilities & Equity Capital    $1,894,971

INTEREST INCOME    
Interest & Fee income-Loans    $36,834
Interest & Dividend Income on    
Securities        $2,367
Interest Income on Federal Funds Sold    $0
Other Interest Income    $73
Total Interest Income    $39,274

INTEREST EXPENSE 
Interest on Deposits    $5,392
Interest on Purchased Funds    $1,607
Total Interest Expense    $6,999
Net Interest Income    $32,275
      
Provision for Loan & Lease Losses    $2,000

NON-INTEREST INCOME
Service Charges on Deposit Accounts    $1,731
Other Noninterest Income    $9,408
Total Noninterest Income    $11,139


NON-INTEREST EXPENSE   
Salaries & Employee Benefits.  $16,777
Expenses of Premises and Fixed Assets. $2,875
Other Noninterest Expense   $6,540
Total Noninterest Expense  $26,192
      
Income (loss) before income taxes and extraordinary items & other adjustments  $15,222
Applicable Income Taxes  $3,507
Net Income (loss)  $11,715

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