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Financials

2015 Statement of Condition

See charts: Assets | Deposits | Loans | Equity Capital

Assets

Cash & Due from Banks

$4,825,545

Bonds

11,831,125

Stocks

1,903,050

Mortgage Loans

279,837,963

Other Loans

37,805,508

Allowance for Loan Losses

(3,400,000)

Bank Premises and Fixed Assets

4,963,970

Other Assets

15,174,387

TOTAL ASSETS

$352,941,548

Liabilities

Deposits

$ 246,996,797

Other Liabilities

16,192,460

TOTAL LIABILITIES

$263,189,257

Equity Capital

Surplus and Reserves

89,752,291

TOTAL LIABILITIES AND EQUITY CAPITAL

$352,941,548

Please Note: Letters of Credit outstanding not included in above figures:$271,000

Statement of Earnings

Twelve Months: ended December 31, 2015

Interest and fee income on loans

$ 16,042,175

Interest and dividend income on investments

327,277

Non-interest income

2,741,816

Total interest and other income

$19,111,268

Less interest paid on deposits

732,510

Less other expenses

13,596,578

Earnings after interest and other expenses

$4,782,180

Net gains (losses) on securities 0
Earnings before taxes $4,782,180

Income taxes

1,672,100

Net income for period

$3,110,080

A History of Solid Performance:

Growth trends charted over 15 years

Total Assets
Total Deposits
Total Loans
Equity Capital