Never trust anyone under 115

About Us

Statement of condition

2nd Quarter, 2008

Assets (In Thousands)	2008	2007
Cash and Due from Banks	$193,371	$142,043
Interest-bearing Bank Accounts	79	80
Investment Securities
U.S. Government and Agency Securities	253,902	203,393
Municipal and Other Obligations	14,018	15,987
Total Investment Securities	267,920	219,380
Federal Funds Sold	53,560	104,448
Loans
Commercial loans	1,315,521	1,258,851
Installment loans	453,212	389,154
Mortgage loans	177,259	192,508
Other loans	1,943	2,975
Subtotal	1,947,935	1,843,488
Less: Allowance for Loan Losses	(22,785)	(20,137)
Total Loans, Net	1,925,150	1,823,351
Bank Premesis and Equipment	48,455	43,846
Other Assets	32,239	35,035
TOTAL ASSETS	$2,520,774	$2,368,183

Liabilities (In Thousands)	2008	2007
Deposits
Demand deposits	$567,550	$463,981
Interest-bearing deposits	1,520,349	1,462,170
Total deposits	2,087,899	1,926,151
Federal funds purchased	76,827	99,901
Repurchase agreements	126,275	106,595
Accrued expenses and other liabilities	13,101	41,961
TOTAL LIABILITIES	$2,304,102	$2,174,608

Stockholders' Equity (In Thousands)	2008	2007
Capital stock	5,000	5,000
Surplus	50,000	50,000
Undivided profits	161,423	138,681
Net unrealized gain (loss) on securities	249	(106)
TOTAL STOCKHOLDERS' EQUITY	$216,672	$193,575

Total Liabilities and Equity

$2,520,774

$2,368,183