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CEO Statement

September 30,2016 ASSETS (in thousands)  
CASH ON HAND AND DUE FROM DEPOSITORY INSTITUTIONS
Money on hand in our bank and to our credit in other banks for normal handling of business.
$1,668
TREASURY, GOVERNMENT AGENCY AND OTHER SECURITIES
Safe and marketable investments in MBS's bonds and securities of the U.S. Government and state and local municipalities.
$35,902
LOANS AND DISCOUNTS
Loans made to help finance farmers, students, businessmen and consumers for the purchase of automobiles, home repairs and other needs of customers.
$46,800
RESERVES
Money reserved to meet possible losses on loans.
-$702
FEDERAL FUNDS SOLD
Excess funds loaned to other banks on a day-to-day basis.
$665
BANK BUILDINGS FURNITURE AND FIXTURES $1,850
OTHER ASSETS
Prepaid expenses and interest earned not collected, etc.
$3,451
TOTAL ASSETS $89,634
LIABILITIES / EQUITY  
DEPOSITS
Funds held on deposit for our many savings, CD, and checking account customers.
$79,870
FEDERAL FUNDS PURCASED AND REPURCHASE AGREEMENTS
Funds borrowed from other banks on a day-to-day basis and securities sold to our customers under agreements to repurchase them at a later date.
$0
OTHER LIABILITIES
Deferred taxes, accrued expenses, and accrued interest payable to customers. Other borrowed money.
$1,318
TOTAL LIABILITIES $81,188
COMMON STOCK
Money invested by stockholders of the bank.
$900
SURPLUS
Additional money contributed by the owners to provide additional strength.
$1,500
UNDIVIDED PROFITS AND OTHER RESERVES
Bank earnings left in the bank for additional capital strength and to provide additional funds to meet possible losses on loans and securities.
$6,486
UNREALIZED GAIN (LOSS) ON SECURITIES AVAILABLE FOR SALE
Market value appreciateion (depreciateion) on investment securities classified as available for sale.
$-440
TOTAL EQUITY CAPITAL $8,446
TOTAL LIABILITIES AND EQUITY $89,634