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Financials

2018 Statement of Condition

See charts: Assets | Deposits | Loans | Equity Capital

Assets

Cash & Due from Banks

$ 6,179,613

Bonds

8,210,000

Stocks

3,180,550

Mortgage Loans

333,885,868

Other Loans

50,337,558

Allowance for Loan Losses

(3,400,000)

Bank Premises and Fixed Assets

5,041,808

Other Assets

15,442,631

TOTAL ASSETS

$418,878,028

Liabilities

Deposits

$263,293,721

Other Liabilities

54,291,467

TOTAL LIABILITIES

$317,585,188

Equity Capital

Surplus and Reserves

101,292,840

TOTAL LIABILITIES AND EQUITY CAPITAL

$418,878,028

Please Note: Letters of Credit outstanding not included in above figures:$135,000

Statement of Earnings

Twelve Months: ended December 31, 2018

Interest and fee income on loans

$ 19,214,375

Interest and dividend income on investments

327,125

Non-interest income

3,090,950

Total interest and other income

$22,632,450

Less interest paid on deposits

834,058

Less other expenses

16,493,961

Earnings after interest and other expenses

$5,072,795

Net gains (losses) on securities -1,361
Earnings before taxes $5,303,070

Income taxes

1,173,900

Net income for period

$4,129,170

A History of Solid Performance:

Growth trends charted over 20 years

Assets | Deposits | Loans | Equity Capital

Total Assets
Total Deposits
Total Loans
Equity Capital