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Balance Sheet

Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Assets ($000)
Cash and Due from Banks NA 15,891 12,220 10,663 10,696
Fed Funds Sold NA 0 0 0 0
Deposits at Financial Institutions NA 2,191 11,471 32,541 81,031
Securities Purchased, to Resell NA 0 0 0 0
Other Cash & Cash Equivalents NA 50 1,400 1,650 0
Cash and Cash Equivalents 41,068 18,132 25,091 44,854 91,727
Trading Account Securities 0 0 0 0 0
Available for Sale Securities 166,228 225,409 258,109 261,008 254,476
Held to Maturity Securities 0 0 0 0 0
Other Securities NA 19,792 1,421 1,398 3,158
Total Cash & Securities NA 263,333 284,621 307,260 349,361
Gross Loans Held for Investment 643,384 635,049 572,525 553,472 555,922
Loan Loss Reserve 7,310 7,134 7,231 7,878 8,623
Loans Held for Sale, before Reserves 1,306 428 616 242 249
Total Net Loans 637,380 628,343 565,910 545,836 547,548
Real Estate Owned and Held for Investment NA 230 142 118 463
Goodwill 9,934 9,934 9,934 9,934 9,934
Core Deposit Intangibles 0 0 44 82 132
Other Intangibles 0 0 0 0 0
Intangible Assets other than Goodwill 0 0 44 82 132
Total Intangible Assets 9,934 9,934 9,978 10,016 10,066
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 NA 11,746 11,733 12,796 12,893
Interest Receivable NA 2,975 2,787 2,579 2,696
Prepaid Expense NA NA NA NA NA
Bank-owned Life Insurance NA NA NA NA NA
Other Assets NA 10,337 8,913 10,993 10,577
Total Other Assets NA 25,058 23,433 26,368 26,166
Total Assets 898,550 926,898 884,084 889,598 933,604
Memo: Consolidated VIE Assets NA NA NA NA NA
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 719,203 725,532 722,755 737,732 757,922
FHLB Borrowings 0 13,848 0 0 34,907
Senior Debt 59,125 93,188 53,380 50,528 78,949
Trust Preferred (FAS 150) 20,620 20,620 20,620 20,620 20,620
Total Subordinated Debt 20,620 20,620 20,620 20,620 20,620
Redeemable Financial Instruments (FAS 150) 0 0 0 0 0
Total Debt 79,745 113,808 74,000 71,148 99,569
Total Other Liabilities 9,857 8,140 6,140 6,315 5,806
Total Liabilities 808,805 847,480 802,895 815,195 863,297
Memo: Consolidated VIE Liabilities NA NA NA NA NA
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 89,745 79,418 81,189 74,403 70,307
Equity Attributable to Parent Company 89,745 79,418 81,189 74,403 70,307
Noncontrolling Interests 0 0 0 0 0
Total Equity 89,745 79,418 81,189 74,403 70,307
Net Unrealized Gain NA (4,021) (439) (1,588) (661)
Tot Acc Other Comprehensive Inc 1,262 (3,485) 72 (1,210) (3,052)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 71.60 68.51 64.76 62.22 59.55
Loans/ Deposits 89.46 87.53 79.21 75.02 73.35
Loan Loss Reserves/ Gross Loans 1.13 1.12 1.26 1.42 1.55
Reserves/ Loans Held For Investment 1.14 1.12 1.26 1.42 1.55
One Year Gap/ Assets NA NA NA NA NA
1-4 Loans Serviced for Others($000) NA 2,344 1,204 1,553 1,326
Level 1 Assets($000) NA 17,978 16,706 19,377 13,405
Level 2 Assets($000) NA 227,229 242,729 242,953 241,232
Level 3 Assets($000) NA 1,091 1,524 3,150 2,162
Level 1 Liabilities($000) NA 0 0 0 0
Level 2 Liabilities($000) NA 1,084 630 684 161
Level 3 Liabilities($000) NA 0 0 0 0
FTE Employees(actual) 214 210 201 190 191
Annualized Growth Rates (%)
Asset Growth (4.08) 4.84 (0.62) (4.71) 0.85
Gross Loans HFI Growth 1.75 10.92 3.44 (0.44) (7.90)
Deposit Growth (1.16) 0.38 (2.03) (2.66) 4.31
Average Balances ($000)
Avg Gross Loans HFI 641,844 634,414 565,762 561,434 580,224
Avg Loans HFS 7,915 600 342 284 270
Average Loans, Gross of Reserves 649,758 635,013 566,104 562,757 584,352
Avg Securities NA NA NA NA NA
Avg Other Int Earn Assets NA NA NA NA NA
Avg Secs & Other Int Earn Assets 206,752 239,332 235,219 254,625 254,039
Avg Interest Earning Assets 856,510 874,345 801,322 817,382 838,390
Avg Assets 927,637 945,977 884,552 905,855 935,635
Avg CDs NA NA NA NA NA
Avg Other Interest-bearing Deposits NA NA NA NA NA
Avg Interest-bearing Deposits NA NA NA NA NA
Avg Debt NA NA NA NA NA
Avg Interest-bearing Liabs NA NA NA NA NA
Avg Noninterest-bearing Deposits NA NA NA NA NA
Avg Total Deposits 738,495 729,111 721,135 745,888 742,403
Avg Preferred Equity 0 0 0 0 20,628
Avg Common Equity 85,558 78,341 78,051 74,646 68,437
Avg Equity 85,558 78,341 78,051 74,646 89,065
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