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Balance Sheet

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Assets ($000)
Cash and Due from Banks 15,406 16,976 18,292 14,642 13,828
Fed Funds Sold 0 0 0 0 0
Deposits at Financial Institutions 14,960 11,708 15,927 7,316 7,244
Securities Purchased, to Resell 0 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0 0
Cash and Cash Equivalents 30,366 28,684 34,219 21,958 21,072
Trading Account Securities 0 0 0 0 0
Available for Sale Securities 202,711 186,969 206,726 204,834 216,121
Held to Maturity Securities 24,649 35,733 42,108 46,146 46,608
Other Securities 8,800 9,198 8,143 9,638 8,633
Total Cash & Securities 266,526 260,584 291,196 282,576 292,434
Gross Loans Held for Investment 1,109,504 1,090,851 1,031,990 986,351 888,263
Loan Loss Reserve 11,975 8,585 9,139 9,169 9,693
Loans Held for Sale, before Reserves 2,470 501 146 0 0
Total Net Loans 1,099,999 1,082,767 1,022,997 977,182 878,570
Real Estate Owned and Held for Investment 4,506 4,527 1,099 2,791 4,427
Goodwill 0 0 0 0 0
Core Deposit Intangibles 0 0 0 0 898
Other Intangibles 0 0 0 0 0
Intangible Assets other than Goodwill 0 0 0 0 898
Total Intangible Assets 0 0 0 0 898
Loan Servicing Rights 0 0 0 0 0
Credit Card Rights 0 0 0 0 0
Other Loan Servicing Rights 0 0 0 0 0
Total Servicing Rights 0 0 0 0 0
Fixed Assets 36,888 37,533 32,740 30,198 28,357
Interest Receivable 4,513 4,530 4,841 4,821 4,029
Prepaid Expense NA NA 1,219 936 741
Bank-owned Life Insurance 29,514 29,340 28,834 28,099 27,339
Other Assets 11,594 11,559 10,224 9,587 13,021
Total Other Assets 82,509 82,962 77,858 73,641 73,487
Total Assets 1,453,540 1,430,840 1,393,150 1,336,190 1,249,816
Memo: Consolidated VIE Assets 0 0 0 0 0
Memo: Covered Loans 0 0 0 0 0
Memo: Covered OREO 0 0 0 0 0
Memo: Covered Securities 0 0 0 0 0
Memo: Covered Assets 0 0 0 0 0
Liabilities ($000)
Total Deposits 1,221,058 1,163,448 1,164,975 1,095,764 1,037,294
FHLB Borrowings 58,333 68,500 59,447 101,429 81,887
Senior Debt 64,846 99,674 78,887 106,278 88,271
Trust Preferred (FAS 150) 4,124 4,124 4,124 4,124 4,124
Total Subordinated Debt 4,124 4,124 4,124 4,124 4,124
Redeemable Financial Instruments (FAS 150) 0 0 0 0 0
Total Debt 68,970 103,798 83,011 110,402 92,395
Total Other Liabilities 8,044 8,115 7,703 6,021 5,591
Total Liabilities 1,298,072 1,275,361 1,255,689 1,212,187 1,135,280
Memo: Consolidated VIE Liabilities 0 0 0 0 0
Mezzanine ($000)
Redeemable Preferred 0 0 0 0 0
Trust Preferred Securities 0 0 0 0 0
Total Minority Interest 0 0 0 0 0
Other Mezzanine Items 0 0 0 0 0
Total Mezzanine Level Items 0 0 0 0 0
Equity ($000)
TARP Preferred Equity 0 0 0 0 0
Other Preferred Equity 0 0 0 0 0
Total Preferred Equity 0 0 0 0 0
Common Equity 155,468 155,479 137,461 124,003 114,536
Equity Attributable to Parent Company 155,468 155,479 137,461 124,003 114,536
Noncontrolling Interests 0 0 0 0 0
Total Equity 155,468 155,479 137,461 124,003 114,536
Net Unrealized Gain 3,527 2,887 (618) 954 (410)
Tot Acc Other Comprehensive Inc 2,170 1,965 (1,279) 43 (1,223)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 76.33 76.24 74.08 73.82 71.07
Loans/ Deposits 90.86 93.76 88.58 90.01 85.63
Loan Loss Reserves/ Gross Loans 1.08 0.79 0.89 0.93 1.09
Reserves/ Loans Held For Investment 1.08 0.79 0.89 0.93 1.09
One Year Gap/ Assets NA NA NA NA NA
1-4 Loans Serviced for Others($000) 0 0 0 0 0
Level 1 Assets($000) 12,995 11,253 9,797 332 14,352
Level 2 Assets($000) 192,186 176,217 197,328 207,188 207,345
Level 3 Assets($000) 10,436 9,136 11,694 8,197 8,387
Level 1 Liabilities($000) 0 0 0 0 0
Level 2 Liabilities($000) 601 44 0 0 70
Level 3 Liabilities($000) 0 0 0 0 0
FTE Employees(actual) 251 243 255 264 232
Annualized Growth Rates (%)
Asset Growth 6.35 2.71 4.26 6.91 5.87
Gross Loans HFI Growth 6.84 5.70 4.63 11.04 9.98
Deposit Growth 19.81 (0.13) 6.32 5.64 9.71
Average Balances ($000)
Avg Gross Loans HFI 1,100,178 1,056,208 1,002,249 918,241 842,629
Avg Loans HFS 1,486 340 18 0 963
Average Loans, Gross of Reserves 1,096,579 1,059,429 1,001,619 918,241 842,423
Avg Securities 231,731 243,979 253,827 266,781 260,878
Avg Other Int Earn Assets 16,596 16,665 14,237 15,712 17,949
Avg Secs & Other Int Earn Assets 248,327 260,644 268,064 282,493 278,827
Avg Interest Earning Assets 1,344,906 1,320,073 1,269,683 1,200,734 1,121,250
Avg Assets 1,441,825 1,412,842 1,353,106 1,281,207 1,197,062
Avg CDs 632,664 627,913 581,619 574,630 530,531
Avg Other Interest-bearing Deposits 389,940 379,693 387,178 355,769 322,070
Avg Interest-bearing Deposits 1,022,604 1,007,606 968,797 930,399 852,601
Avg Debt 70,981 70,095 93,822 86,683 111,488
Avg Interest-bearing Liabs 1,093,585 1,077,701 1,062,619 1,017,082 964,089
Avg Noninterest-bearing Deposits 175,871 174,163 155,003 136,674 116,215
Avg Total Deposits 1,198,475 1,181,769 1,123,800 1,067,073 968,816
Avg Preferred Equity 0 0 0 0 0
Avg Common Equity 158,185 147,743 129,265 121,901 111,215
Avg Equity 158,185 147,743 129,265 121,901 111,215
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