| ASSETS |
| Cash and due from banks |
78.89M |
| Federal funds sold and other short-term investments |
5.06M |
| Total cash and cash equivalents |
83.95M |
| Securities held to maturity, net (estimated fair value of $687,023 and $606,658, respectively) |
409.18M |
| Federal Reserve Bank and Federal Home Loan Bank stock, at cost |
| Loans receivable (net of allowance for loan losses of $31,772 and $34,840, respectively) |
1.05B |
| Accrued interest receivable |
5.19M |
| Loan fees receivable |
2.88M |
| Premises and equipment, net |
3.84M |
| Foreclosed real estate (net of valuation allowance of $3,966 and $2,688), respectively |
18.33M |
| Deferred income tax asset |
26.49M |
| Other assets |
10.12M |
| Total assets |
1.63B |
| Deposits: |
| Noninterest-bearing demand deposit accounts |
5.23M |
| Interest-bearing deposit accounts: |
| Checking (NOW) accounts |
14.95M |
| Savings accounts |
9.69M |
| Money market accounts |
381.83M |
| Certificate of deposit accounts |
906.53M |
| Total deposit accounts |
1.32B |
| Borrowed funds: |
| Federal Home Loan Bank advances |
| Subordinated debentures - capital securities |
56.7M |
| Accrued interest payable on all borrowed funds |
6.67M |
| Mortgage note payable |
| Total borrowed funds |
| Accrued interest payable on deposits |
1.6M |
| Mortgage escrow funds payable |
23.11M |
| Other liabilities |
2.24M |
| Total liabilities |
1.41B |
| STOCKHOLDERS' EQUITY |
| Preferred stock ($1.00 par value; 300,000 shares authorized; 25,000 issued and outstanding) |
25K |
| Additional paid-in-capital, preferred |
24.98M |
| Preferred stock discount |
-280K |
| Class A common stock ($1.00 par value; 62,000,000 shares authorized; 21,126,489 issued and outstanding) |
21.93M |
| Additional paid-in-capital, common |
87.06M |
| Unearned compensation on restricted common stock awards |
-1.95M |
| Retained earnings |
83.52M |
| Total stockholders' equity |
215.27M |
| Total liabilities and stockholders' equity |
1.63B |
