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Financials

2017 Statement of Condition

See charts: Assets | Deposits | Loans | Equity Capital

Assets

Cash & Due from Banks

$ 5,963,178

Bonds

8,247,184

Stocks

2,598,750

Mortgage Loans

316,394,473

Other Loans

43,491,372

Allowance for Loan Losses

(3,400,000)

Bank Premises and Fixed Assets

4,634,684

Other Assets

15,703,277

TOTAL ASSETS

$393,632,918

Liabilities

Deposits

$ 259,126,436

Other Liabilities

37,322,127

TOTAL LIABILITIES

$296,448,563

Equity Capital

Surplus and Reserves

97,184,355

TOTAL LIABILITIES AND EQUITY CAPITAL

$393,632,918

Please Note: Letters of Credit outstanding not included in above figures:$201,000

Statement of Earnings

Twelve Months: ended December 31, 2017

Interest and fee income on loans

$ 17,731,831

Interest and dividend income on investments

256,108

Non-interest income

2,956,048

Total interest and other income

$20,943,987

Less interest paid on deposits

711,273

Less other expenses

15,159,919

Earnings after interest and other expenses

$5,072,795

Net gains (losses) on securities 0
Earnings before taxes $5,072,795

Income taxes

1,568,884

Net income for period

$3,503,911

A History of Solid Performance:

Growth trends charted over Peter Judkins' presidency

Total Assets
Total Deposits
Total Loans
Equity Capital