Balance Sheet (in thousands) Rate Earned Assets (%) Cash and due from banks $ 6,000 4 Investment securities 22,000 Repurchase agreements 12,000 Loans less allowance for losses 80,000 Fixed assets 10,000 Other earning assets 4,000 Total assets $134,000 Rate Liabilities and Equity Demand deposits Paid (%) $ 9,000 0 NOW accounts Retail CDs 69.000 5 18,000 7 Subordinated debentures 14,000 8 Total liabilities 110,000 Common stock 10,000 Paid-in capital surplus 3,000 Retained earnings 11,000 Total liabilities and equity $134,000