Your Banking.

Your Business.

Assets	12/31/09	12/31/08
Cash and Deposits Due from Banks	15,780,000	13,754,000
Federal Funds Sold	0	0
U. S. Government and Agency Securities	12,913,000	10,258,000
Other Bonds, Notes and Debentures	1,871,000	1,314,000
Corporate Stock and Other Marketable Securities	18,094,000	29,761,000
Real Estate Loans	627,328,000	673,357,000
Other Loans	192,031,000	174,409,000
Allowance for Loan and Lease Losses	(17,796,000)	(10,666,000)
Bank Premises and Fixed Assets	18,028,000	18,309,000
Other Assets	41,910,000	37,115,000
Total Assets	955,151,000	947,611,000

Liabilities and Reserves
Savings Deposits	155,025,000	150,107,000
Time Deposits	431,802,000	427,463,000
Demand Deposits	68,523,000	68,690,000
NOW Deposits	64,008,000	60,969,000
Total Deposits	719,358,000	707,229,000

Borrowed Funds	128,600,000	143,081,000
Other Liabilities	8,563,000	8,112,000
Surplus and Undivided Profits	97,380,000	95,261,000
Net Unrealized Gains on Marketable Securities	1,250,000	(6,072,000)
Total Liabilities and Reserves	955,151,000	947,611,000

Letters of Credit outstanding
not included in the above figures	9,473,000	10,511,000

Interest Income
Interest and Fee Income on Loans	54,452,000	56,928,000
Interest and Divided Income on Securities	1,656,000	2,186,000
Total Interest Income	56,108,000	59,114,000

Interest Expense
Interest and Dividend on Deposits	14,452,000	23,445,000
Interest Paid on Borrowed Funds	1,827,000	1,514,000
Total Interest Expense	16,279,000	24,959,000

Net Interest Income	39,829,000	34,155,000
Other Operating Income	10,078,000	9,683,000
Other Operating Expense	27,178,000	27,367,000
Provision for Loan Losses	12,419,000	4,988,000

Income Before Taxes and Security Transactions	10,310,000	11,483,000
Realized Gains (Losses) on Securities	(7,099,000)	(7,427,000)

Income Before Income Taxes	3,211,000	4,056,000
Income Taxes	1,092,000	1,103,000

Net Income	2,119,000	2,953,000