Balance Sheet

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	9,433	8,868	7,139	6,425	6,547	Column Line
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Fed Funds Sold	2,038	8,808	6	6	295	Column Line
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Deposits at Financial Institutions	10,053	24,676	21,928	15,294	20,094	Column Line
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Securities Purchased, to Resell	0	0	0	0	0	Column Line
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Other Cash & Cash Equivalents	0	0	0	0	0	Column Line
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Cash and Cash Equivalents	21,524	42,352	29,073	21,725	26,936	Column Line
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Trading Account Securities	0	0	0	0	0	Column Line
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Available for Sale Securities	122,112	116,032	109,696	109,295	78,988	Column Line
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Held to Maturity Securities	0	0	0	0	0	Column Line
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Other Securities	2,606	2,599	2,578	2,556	2,543	Column Line
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Total Cash & Securities	146,242	160,983	141,347	133,576	108,467	Column Line
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Gross Loans Held for Investment	378,512	363,784	331,809	293,117	288,096	Column Line
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Loan Loss Reserve	3,592	3,409	3,356	3,074	2,998	Column Line
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Loans Held for Sale, before Reserves	560	350	0	0	0	Column Line
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Total Net Loans	375,480	360,725	328,453	290,043	285,098	Column Line
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Real Estate Owned and Held for Investment	0	0	0	0	0	Column Line
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Goodwill	0	0	0	0	0	Column Line
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Core Deposit Intangibles	0	0	0	0	0	Column Line
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Other Intangibles	0	0	0	0	0	Column Line
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Intangible Assets other than Goodwill	0	0	0	0	0	Column Line
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Total Intangible Assets	0	0	0	0	0	Column Line
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Loan Servicing Rights	0	0	0	0	0	Column Line
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Credit Card Rights	0	0	0	0	0	Column Line
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Other Loan Servicing Rights	0	0	0	0	0	Column Line
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Total Servicing Rights	0	0	0	0	0	Column Line
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Fixed Assets	376	273	429	731	817	Column Line
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Interest Receivable	1,865	1,842	1,804	1,444	1,261	Column Line
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Prepaid Expense	NA	183	167	185	283	Column Line
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Bank-owned Life Insurance	10,026	9,973	9,755	9,535	9,304	Column Line
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Other Assets	7,375	4,785	3,178	2,168	1,995	Column Line
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Total Other Assets	19,642	17,056	15,333	14,063	13,660	Column Line
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Total Assets	541,364	538,764	485,133	437,682	407,225	Column Line
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Memo: Consolidated VIE Assets	NA	NA	NA	NA	NA	Column Line
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Memo: Covered Loans	0	0	0	0	0	Column Line
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Memo: Covered OREO	0	0	0	0	0	Column Line
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Memo: Covered Securities	0	0	0	0	0	Column Line
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Memo: Covered Assets	0	0	0	0	0	Column Line
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Liabilities ($000)
Total Deposits	429,301	448,076	404,682	362,955	338,931	Column Line
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FHLB Borrowings	38,262	18,411	19,249	20,198	20,522	Column Line
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Senior Debt	38,262	18,411	20,531	21,269	20,522	Column Line
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Trust Preferred (FAS 150)	0	0	0	0	0	Column Line
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Total Subordinated Debt	0	0	0	0	0	Column Line
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Redeemable Financial Instruments (FAS 150)	0	0	0	0	0	Column Line
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Total Debt	38,262	18,411	20,531	21,269	20,522	Column Line
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Total Other Liabilities	8,454	8,914	3,525	2,681	1,644	Column Line
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Total Liabilities	476,017	475,401	428,738	386,905	361,097	Column Line
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Memo: Consolidated VIE Liabilities	NA	NA	NA	NA	NA	Column Line
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Mezzanine ($000)
Redeemable Preferred	0	0	0	0	0	Column Line
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Trust Preferred Securities	0	0	0	0	0	Column Line
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Total Minority Interest	0	0	0	0	0	Column Line
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Other Mezzanine Items	0	0	0	0	0	Column Line
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Total Mezzanine Level Items	0	0	0	0	0	Column Line
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Equity ($000)
TARP Preferred Equity	0	0	0	0	0	Column Line
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Other Preferred Equity	0	0	0	0	0	Column Line
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Total Preferred Equity	0	0	0	0	0	Column Line
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Common Equity	65,347	63,363	56,395	50,777	46,128	Column Line
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Equity Attributable to Parent Company	65,347	63,363	56,395	50,777	46,128	Column Line
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Noncontrolling Interests	0	0	0	0	0	Column Line
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Total Equity	65,347	63,363	56,395	50,777	46,128	Column Line
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Net Unrealized Gain	1,313	811	(1,151)	(45)	(125)	Column Line
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Tot Acc Other Comprehensive Inc	(166)	82	(1,415)	(45)	(125)	Column Line
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Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets	69.92	67.52	68.40	66.97	70.75	Column Line
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Loans/ Deposits	88.17	81.19	81.99	80.76	85	Column Line
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Loan Loss Reserves/ Gross Loans	0.95	0.94	1.01	1.05	1.04	Column Line
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Reserves/ Loans Held For Investment	0.95	0.94	1.01	1.05	1.04	Column Line
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One Year Gap/ Assets	NA	NA	NA	NA	NA	Column Line
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1-4 Loans Serviced for Others($000)	0	0	0	0	0	Column Line
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Level 1 Assets($000)	NA	0	0	0	0	Column Line
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Level 2 Assets($000)	NA	117,051	110,066	109,773	79,450	Column Line
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Level 3 Assets($000)	NA	0	0	0	0	Column Line
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Level 1 Liabilities($000)	NA	0	0	NA	NA	Column Line
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Level 2 Liabilities($000)	NA	1,761	357	NA	NA	Column Line
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Level 3 Liabilities($000)	NA	0	0	NA	NA	Column Line
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FTE Employees(actual)	57	57	59	57	55	Column Line
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Annualized Growth Rates (%)
Asset Growth	1.93	11.05	10.84	7.48	0.44	Column Line
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Gross Loans HFI Growth	16.19	9.64	13.20	1.74	12.03	Column Line
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Deposit Growth	(16.76)	10.72	11.50	7.09	(0.02)	Column Line
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Average Balances ($000)
Avg Gross Loans HFI	368,017	338,675	306,900	292,436	272,679	Column Line
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Avg Loans HFS	122	55	27	0	0	Column Line
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Average Loans, Gross of Reserves	368,139	338,730	306,927	292,436	272,679	Column Line
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Avg Securities	114,604	109,927	107,384	NA	NA	Column Line
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Avg Other Int Earn Assets	27,367	32,427	32,874	NA	NA	Column Line
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Avg Secs & Other Int Earn Assets	141,971	142,354	140,258	100,766	108,051	Column Line
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Avg Interest Earning Assets	510,110	481,084	447,185	393,202	380,730	Column Line
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Avg Assets	538,334	504,833	465,110	425,659	408,990	Column Line
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Avg CDs	15,985	19,334	14,885	NA	NA	Column Line
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Avg Other Interest-bearing Deposits	401,079	369,375	347,824	NA	NA	Column Line
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Avg Interest-bearing Deposits	417,075	388,709	362,709	NA	NA	Column Line
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Avg Debt	22,405	22,774	21,634	376,753	NA	Column Line
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Avg Interest-bearing Liabs	439,480	411,483	384,343	NA	NA	Column Line
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Avg Noninterest-bearing Deposits	27,470	27,400	25,963	NA	NA	Column Line
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Avg Total Deposits	444,545	416,109	388,672	352,160	333,333	Column Line
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Avg Preferred Equity	0	0	0	0	0	Column Line
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Avg Common Equity	64,434	61,783	52,759	48,906	44,859	Column Line
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Avg Equity	64,434	61,783	52,759	48,906	44,859	Column Line
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Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

Balance Sheet

Financial Highlights

Assets ($000)

Liabilities ($000)

Mezzanine ($000)

Equity ($000)

Balance Sheet Analysis (%)

Annualized Growth Rates (%)

Average Balances ($000)