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Statement of Condition

BALANCE SHEET
(Unaudited)




June 30,
20102009
ASSETS (in thousands)
Cash & Due from Banks 158,235  101,593 

Obligations of Federal Agencies 134,507 142,580 

Collateralized Mortgage Obligations &
Mortgage Backed Securities
343,031 299,517 
Obligations of States & Political Subdivisions 86,091 68,020 
Other Investments 9,634 9,634 
  Total Investments

573,263 

519,751 

Federal Funds, Sold 696 571 
Loans, Total 1,329,001 1,192,552  
  Reserve for Loan Losses     (13,724)     (11,243) 
Loans, Net 1,315,277 1,181,309 
Premises & Equipment 37,869 33,160 
Other Real Estate 3,988 3,376 
Other Assets     61,830     55,395 
 
    TOTAL ASSETS $2,151,158 $1,895,155 


LIABILITIES
Demand Deposits 316,069 289,384 
NOW Deposits 216,162 211,289 
Time and Savings Deposits     1,166,158    975,407 
  Total Deposits 1,698,389  1,476,080 
Repurchase Agreements 91,728 78,821 
Federal Funds Purchased
Other Borrowed Funds 135,000  140,000 

Other Liabilities       14,089       16,131 
    TOTAL LIABILITIES 1,939,206  1,711,032 



STOCKHOLDERS' EQUITY
Common Stock 3,845  3,845 
Surplus 10,000 10,000 
Retained earnings 188,960 170,279 
Net Income Year To Date 15,731  15,599 
Accumulated Other Comprehensive Income 4,952 (4,064) 
Common Stock Repurchased     (11,536)   (11,536)  
    TOTAL STOCKHOLDERS' EQUITY 211,952  184,123 
 
TOTAL LIABILITIES & STOCKHOLDERS' EQUITY $2,151,158  $1,895,155 



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