Balance Sheet

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Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Assets ($000)
Cash and Due from Banks 36,135 23,519 28,765 25,835
Fed Funds Sold 1,113 3,266 5 266
Deposits at Financial Institutions 4,659 1,785 1,785 2,175
Securities Purchased, to Resell 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0
Cash and Cash Equivalents 41,907 28,570 30,555 28,276
Trading Account Securities 5,644 0 0 0
Available for Sale Securities 301,927 305,998 290,504 315,369
Held to Maturity Securities 0 0 0 0
Other Securities 7,034 7,034 7,034 7,034
Total Cash & Securities 356,512 341,602 328,093 350,679
Gross Loans Held for Investment 657,566 649,845 668,778 686,144
Loan Loss Reserve 7,876 7,905 8,184 8,127
Loans Held for Sale, before Reserves 1,189 1,221 2,005 1,203
Total Net Loans 650,879 643,161 662,599 679,220
Real Estate Owned and Held for Investment 1,373 2,276 1,404 830
Goodwill 14,001 14,001 14,001 14,001
Core Deposit Intangibles 485 333 298 238
Other Intangibles 0 0 0 0
Intangible Assets other than Goodwill 485 333 298 238
Total Intangible Assets 14,486 14,334 14,299 14,239
Loan Servicing Rights 1,405 1,568 1,606 1,536
Credit Card Rights 0 0 0 0
Other Loan Servicing Rights 0 0 0 0
Total Servicing Rights 1,405 1,568 1,606 1,536
Fixed Assets 15,004 17,293 17,728 17,349
Interest Receivable 3,649 3,809 3,733 4,150
Prepaid Expense NA NA NA 1,365
Bank-owned Life Insurance 0 10,007 10,075 10,198
Other Assets 6,460 7,086 7,570 6,446
Total Other Assets 25,113 38,195 39,106 39,508
Total Assets 1,049,768 1,041,136 1,047,107 1,086,012
Memo: Consolidated VIE Assets 0 0 0 0
Memo: Covered Loans 0 0 0 0
Memo: Covered OREO 0 0 0 0
Memo: Covered Securities 0 0 0 0
Memo: Covered Assets 0 0 0 0
Liabilities ($000)
Total Deposits 824,345 816,742 802,482 850,442
FHLB Borrowings 90,612 96,712 102,683 100,452
Senior Debt 116,406 112,029 130,483 111,247
Trust Preferred (FAS 150) 7,217 7,217 7,217 7,217
Total Subordinated Debt 7,217 7,217 7,217 7,217
Redeemable Financial Instruments (FAS 150) 0 0 0 0
Total Debt 123,623 119,246 137,700 118,464
Total Other Liabilities 5,976 5,882 6,436 10,313
Total Liabilities 953,944 941,870 946,618 979,219
Memo: Consolidated VIE Liabilities 0 0 0 0
Mezzanine ($000)
Redeemable Preferred 0 0 0 0
Trust Preferred Securities 0 0 0 0
Total Minority Interest 0 0 0 0
Other Mezzanine Items 0 0 0 0
Total Mezzanine Level Items 0 0 0 0
Equity ($000)
TARP Preferred Equity 0 0 0 0
Other Preferred Equity 0 0 0 0
Total Preferred Equity 0 0 0 0
Common Equity 95,824 99,266 100,489 106,793
Equity Attributable to Parent Company 95,824 99,266 100,489 106,793
Noncontrolling Interests 0 0 0 0
Total Equity 95,824 99,266 100,489 106,793
Net Unrealized Gain (220) (4,394) (5,360) (3,478)
Tot Acc Other Comprehensive Inc (220) (4,394) (5,360) (3,478)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 62.64 62.42 63.87 63.18
Loans/ Deposits 79.77 79.57 83.34 80.68
Loan Loss Reserves/ Gross Loans 1.20 1.21 1.22 1.18
Reserves/ Loans Held For Investment 1.20 1.22 1.22 1.18
One Year Gap/ Assets NA NA NA NA
1-4 Loans Serviced for Others($000) 210,981 220,586 223,071 216,541
Level 1 Assets($000) 2,724 335 283 284
Level 2 Assets($000) 304,847 305,663 290,344 315,369
Level 3 Assets($000) 5,166 1,687 649 1,669
Level 1 Liabilities($000) 0 0 0 0
Level 2 Liabilities($000) 0 0 0 0
Level 3 Liabilities($000) 0 0 0 0
FTE Employees(actual) 243 232 234 232
Annualized Growth Rates (%)
Asset Growth 8.29 (4.58) 2.29 3.12
Gross Loans HFI Growth 0.95 0.81 11.65 5.80
Deposit Growth 10.64 0.72 (6.98) 4.31
Average Balances ($000)
Avg Gross Loans HFI 656,787 649,190 659,312 667,925
Avg Loans HFS 957 1,226 1,613 2,036
Average Loans, Gross of Reserves 653,006 652,212 661,220 668,141
Avg Securities NA NA NA 304,373
Avg Other Int Earn Assets NA NA NA 17,357
Avg Secs & Other Int Earn Assets 345,594 353,908 334,848 321,730
Avg Interest Earning Assets 998,600 1,006,120 996,068 989,871
Avg Assets 1,047,291 1,052,122 1,044,122 1,051,878
Avg CDs NA NA NA 182,967
Avg Other Interest-bearing Deposits NA NA NA 407,498
Avg Interest-bearing Deposits NA NA NA 590,465
Avg Debt NA NA NA 122,183
Avg Interest-bearing Liabs NA NA NA 712,648
Avg Noninterest-bearing Deposits NA NA NA 232,479
Avg Total Deposits 813,711 816,008 809,612 822,944
Avg Preferred Equity 0 0 0 0
Avg Common Equity 94,036 98,924 99,878 100,579
Avg Equity 94,036 98,924 99,878 100,579
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