Statement of Condition

	June 30, 2021	December 31, 2020
Cash & Due From Banks	27,312,976	19,447,597
Federal Funds Sold	30,250,000	26,250,000
Interest Bearing in other banks	15,152,651	22,088,440
Securities available for sale	205,855,107	186,731,928
Securities held to maturity	1,790,585	1,809,491
Sub Debt	750,000	0
Loans	598,813,293	552,682,265
Reserve for Bad Debts	(8,672,538)	(7,676,491)
Fixed Assets	22,464,408	22,917,379
Bank-Owned Life Insurance	20,172,823	19,924,601
Accrued Interest Income	5,346,753	5,168,662
Other Assets	27,180,224	26,669,436
Total Assets	$946,416,282	$876,013,308
Demand Deposits - Non-Interest Bearing	225,589,217	194,026,851
Interest Bearing Deposits	600,039,799	565,049,670
Total Deposits	825,629,016	759,076,521
Accrued expenses and other liabilities	10,932,675	9,482,299
Fed Funds purchased	0	0
Trust Preferred securities	10,310,000	10,310,000
Total Liabilities	$846,871,691	$778,868,820
Common Stock	987,016	987,016
Surplus	8,948,615	8,948,615
Retained Earnings	96,796,631	92,180,397
(Less: Treasury Stock)	(8,647,370)	(8,642,683)
Net Unrealized Gains (Losses) on Available For Sale Securities	1,459,699	3,671,143
Total Capital	$99,544,591	$97,144,488