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Balance Sheet

Financial Highlights
2020 FQ2 YTD
6/30/2020
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 NA NA 15,891 12,220 10,663
Fed Funds Sold NA NA 0 0 0
Deposits at Financial Institutions NA NA 2,191 11,471 32,541
Securities Purchased, to Resell NA NA 0 0 0
Other Cash & Cash Equivalents NA NA 50 1,400 1,650
Cash and Cash Equivalents 160,342 78,639 18,132 25,091 44,854
Trading Account Securities 0 0 0 0 0
Available for Sale Securities 154,067 160,484 225,409 258,109 261,008
Held to Maturity Securities 0 0 0 0 0
Other Securities NA 12,751 19,792 1,421 1,398
Total Cash & Securities NA 251,874 263,333 284,621 307,260
Gross Loans Held for Investment NA 636,020 635,049 572,525 553,472
Loan Loss Reserve NA 7,223 7,134 7,231 7,878
Loans Held for Sale, before Reserves NA 1,424 428 616 242
Total Net Loans NA 630,221 628,343 565,910 545,836
Real Estate Owned and Held for Investment NA 164 230 142 118
Goodwill 9,934 9,934 9,934 9,934 9,934
Core Deposit Intangibles 0 0 0 44 82
Other Intangibles 0 0 0 0 0
Intangible Assets other than Goodwill 0 0 0 44 82
Total Intangible Assets 9,934 9,934 9,934 9,978 10,016
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 15,803 11,746 11,733 12,796
Interest Receivable NA 2,468 2,975 2,787 2,579
Prepaid Expense NA NA NA NA NA
Bank-owned Life Insurance NA NA NA NA NA
Other Assets NA 6,531 10,337 8,913 10,993
Total Other Assets NA 24,802 25,058 23,433 26,368
Total Assets 1,065,015 916,995 926,898 884,084 889,598
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 836,161 731,097 725,532 722,755 737,732
FHLB Borrowings 0 0 13,848 0 0
Senior Debt 99,635 66,730 93,188 53,380 50,528
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 120,255 87,350 113,808 74,000 71,148
Total Other Liabilities 15,870 7,169 8,140 6,140 6,315
Total Liabilities 972,286 825,616 847,480 802,895 815,195
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 92,729 91,379 79,418 81,189 74,403
Equity Attributable to Parent Company 92,729 91,379 79,418 81,189 74,403
Noncontrolling Interests 0 0 0 0 0
Total Equity 92,729 91,379 79,418 81,189 74,403
Net Unrealized Gain NA 997 (4,021) (439) (1,588)
Tot Acc Other Comprehensive Inc NA 1,118 (3,485) 72 (1,210)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets NA 69.36 68.51 64.76 62.22
Loans/ Deposits NA 87 87.53 79.21 75.02
Loan Loss Reserves/ Gross Loans NA 1.13 1.12 1.26 1.42
Reserves/ Loans Held For Investment NA 1.14 1.12 1.26 1.42
One Year Gap/ Assets NA NA NA NA NA
1-4 Loans Serviced for Others($000) NA 65,130 2,344 1,204 1,553
Level 1 Assets($000) NA 11,899 17,978 16,706 19,377
Level 2 Assets($000) NA 162,241 227,229 242,729 242,953
Level 3 Assets($000) NA 0 1,091 1,524 3,150
Level 1 Liabilities($000) NA 0 0 0 0
Level 2 Liabilities($000) NA 1,088 1,084 630 684
Level 3 Liabilities($000) NA 0 0 0 0
FTE Employees(actual) NA 220 210 201 190
Annualized Growth Rates (%)
Asset Growth 32.28 (1.07) 4.84 (0.62) (4.71)
Gross Loans HFI Growth NA 0.15 10.92 3.44 (0.44)
Deposit Growth 28.74 0.77 0.38 (2.03) (2.66)
Average Balances ($000)
Avg Gross Loans HFI NA 641,308 634,414 565,762 561,434
Avg Loans HFS NA 6,277 600 342 284
Average Loans, Gross of Reserves NA 647,585 635,013 566,104 562,757
Avg Securities NA NA NA NA NA
Avg Other Int Earn Assets NA NA NA NA NA
Avg Secs & Other Int Earn Assets NA 203,835 239,332 235,219 254,625
Avg Interest Earning Assets 851,718 851,420 874,345 801,322 817,382
Avg Assets 944,138 922,671 945,977 884,552 905,855
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 749,998 735,159 729,111 721,135 745,888
Avg Preferred Equity 0 0 0 0 0
Avg Common Equity 91,160 86,809 78,341 78,051 74,646
Avg Equity 91,160 86,809 78,341 78,051 74,646
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