Your Banking.

Your Business.

Assets	12/31/10	12/31/09
Cash and Deposits Due from Banks	72,625,000	15,780,000
Federal Funds Sold	0	0
U. S. Government and Agency Securities	4,354,000	12,913,000
Other Bonds, Notes and Debentures	2,684,000	1,871,000
Corporate Stock and Other Marketable Securities	15,689,000	18,094,000
Real Estate Loans	644,490,000	627,328,000
Other Loans	197,607,000	192,031,000
Allowance for Loan and Lease Losses	(21,099,000)	(17,796,000)
Bank Premises and Fixed Assets	16,799,000	18,028,000
Other Assets	42,744,000	41,910,000
Total Assets	975,893,000	955,151,000

Liabilities and Reserves
Savings Deposits	189,869,000	155,025,000
Time Deposits	473,352,000	431,802,000
Demand Deposits	76,565,000	68,523,000
NOW Deposits	61,503,000	64,008,000
Total Deposits	801,289,000	719,358,000

Borrowed Funds	59,671,000	128,600,000
Other Liabilities	8,719,000	8,563,000
Surplus and Undivided Profits	104,169,000	97,380,000
Net Unrealized Gains on Marketable Securities	2,045,000	1,250,000
Total Liabilities and Reserves	975,893,000	955,151,000

Letters of Credit outstanding
not included in the above figures	2,846,000	9,473,000

Interest Income
Interest and Fee Income on Loans	52,768,000	54,452,000
Interest and Divided Income on Securities	1,143,000	1,656,000
Total Interest Income	53,911,000	56,108,000

Interest Expense
Interest and Dividend on Deposits	14,199,000	14,452,000
Interest Paid on Borrowed Funds	838,000	1,827,000
Total Interest Expense	15,037,000	16,279,000

Net Interest Income	38,874,000	39,829,000
Other Operating Income	9,715,000	10,078,000
Other Operating Expense	27,002,000	27,178,000
Provision for Loan Losses	11,685,000	12,419,000

Income Before Taxes and Security Transactions	9,902,000	10,310,000
Realized Gains (Losses) on Securities	553,000	(7,099,000)

Income Before Income Taxes	10,455,000	3,211,000
Income Taxes	3,522,000	1,092,000

Net Income	6,933,000	2,119,000