Balance Sheet

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Financial Highlights
Period Ended
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 4,428 3,555 1,552 1,588 2,039
Fed Funds Sold 0 0 0 0 0
Deposits at Financial Institutions 13,910 3,802 8,383 8,758 5,610
Securities Purchased, to Resell 0 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0 0
Cash and Cash Equivalents 18,338 7,357 9,935 10,346 7,649
Trading Account Securities 0 0 0 0 0
Available for Sale Securities 13,749 14,304 19,796 20,297 23,728
Held to Maturity Securities 0 0 0 0 0
Other Securities 2,654 2,653 2,436 2,436 1,329
Total Cash & Securities 34,741 24,314 32,167 33,078 32,706
Gross Loans Held for Investment 243,225 244,716 247,995 243,603 234,926
Loan Loss Reserve 3,223 2,600 3,040 2,745 2,277
Loans Held for Sale, before Reserves 655 1,057 133 2,877 346
Total Net Loans 240,657 243,173 245,088 243,736 232,996
Real Estate Owned and Held for Investment 19 0 16 39 2,503
Goodwill 0 0 0 0 0
Core Deposit Intangibles 0 0 0 0 0
Other Intangibles 0 0 0 0 0
Intangible Assets other than Goodwill 0 0 0 0 0
Total Intangible Assets 0 0 0 0 0
Loan Servicing Rights 588 660 801 731 719
Credit Card Rights 0 0 0 0 0
Other Loan Servicing Rights 0 0 0 0 0
Total Servicing Rights 588 660 801 731 719
Fixed Assets 8,318 8,461 8,898 9,128 6,112
Interest Receivable 997 1,070 1,128 1,104 1,037
Prepaid Expense NA NA NA NA NA
Bank-owned Life Insurance 6,271 6,234 7,136 6,960 6,783
Other Assets 3,899 4,349 4,917 4,638 4,249
Total Other Assets 19,485 20,114 22,079 21,829 18,180
Total Assets 295,490 288,261 300,151 299,414 287,104
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 210,930 203,874 217,914 226,981 224,898
FHLB Borrowings 53,000 51,500 50,500 41,500 32,000
Senior Debt 53,000 51,500 50,500 41,500 32,000
Trust Preferred (FAS 150) 0 0 0 0 0
Total Subordinated Debt 0 0 0 0 0
Redeemable Financial Instruments (FAS 150) 0 0 0 0 0
Total Debt 53,000 51,500 50,500 41,500 32,000
Total Other Liabilities 1,317 1,606 1,576 1,904 2,004
Total Liabilities 265,247 256,980 269,990 270,384 258,902
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 30,243 31,281 30,161 29,029 28,202
Equity Attributable to Parent Company 30,243 31,281 30,161 29,029 28,202
Noncontrolling Interests 0 0 0 0 0
Total Equity 30,243 31,281 30,161 29,029 28,202
Net Unrealized Gain 90 (77) (584) (288) (345)
Tot Acc Other Comprehensive Inc 90 (77) (584) (288) (345)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 82.31 84.89 82.62 81.36 81.83
Loans/ Deposits 115.31 120.03 113.80 107.32 104.46
Loan Loss Reserves/ Gross Loans 1.32 1.06 1.23 1.11 0.97
Reserves/ Loans Held For Investment 1.33 1.06 1.23 1.13 0.97
One Year Gap/ Assets NA NA NA NA NA
1-4 Loans Serviced for Others($000) NA NA NA 71,626 69,605
Level 1 Assets($000) NA NA 0 0 0
Level 2 Assets($000) NA NA 19,796 20,297 23,728
Level 3 Assets($000) NA NA 1,462 1,492 5,471
Level 1 Liabilities($000) NA NA NA NA 0
Level 2 Liabilities($000) NA NA NA NA 0
Level 3 Liabilities($000) NA NA NA NA 0
FTE Employees(actual) 76 75 80 79 75
Annualized Growth Rates (%)
Asset Growth 10.03 (3.96) 0.25 4.29 5.93
Gross Loans HFI Growth (2.44) (1.32) 1.80 3.69 6.69
Deposit Growth 13.84 (6.44) (3.99) 0.93 4.47
Average Balances ($000)
Avg Gross Loans HFI 243,971 246,349 249,565 238,304 229,281
Avg Loans HFS 856 209 1,008 635 881
Average Loans, Gross of Reserves 243,124 245,387 247,549 236,507 228,328
Avg Securities 14,083 NA 21,094 22,106 25,023
Avg Other Int Earn Assets 10,871 NA 13,273 10,523 9,970
Avg Secs & Other Int Earn Assets 24,954 30,608 34,367 32,629 34,993
Avg Interest Earning Assets 268,078 275,995 281,916 269,136 263,321
Avg Assets 290,588 298,147 305,973 293,944 281,558
Avg CDs 102,022 NA 109,107 103,651 107,484
Avg Other Interest-bearing Deposits 82,489 NA 92,711 97,020 91,851
Avg Interest-bearing Deposits 184,511 NA 201,818 200,671 199,335
Avg Debt 48,626 NA 48,872 38,175 30,418
Avg Interest-bearing Liabs 233,137 NA 250,690 238,846 229,753
Avg Noninterest-bearing Deposits NA NA 24,425 24,302 21,757
Avg Total Deposits 207,402 216,294 226,243 224,973 221,092
Avg Preferred Equity 0 0 0 0 0
Avg Common Equity 30,762 30,988 29,276 28,796 28,666
Avg Equity 30,762 30,988 29,276 28,796 28,666
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