f Assets Cash and due from banks Time Deposits at other institutions Federal funds sold & Repos Investments: U.S. Treasury securities Federal Agency securities Municipal securities Other securities Total investments Loans & Leases Commercial and individual Real Estate Consumer Other Total loans & leases Less: Reserve for loan losses Net loans & leases Other Assets Total assets > Liabilities & Stockholders' Equity Demand deposits Interest Checking accounts MMDAS Regular savings COs less than $100,000 COs over $100,000 Total deposits Average Balances (In Thousands) Short-term borrowings Subordinated debt Other liabilities Total liabilities Common Stock Surplus Retained earnings Unrealized gains (losses), nct of tax Stockholders' equity Total liabilities & stockholders' equity December $ $ 3,700 2,200 3,380 9,190 7,950 6,620 1,400 25,160 18,670 10,740 14,010 1,430 44,850 (1,250) 43,600 1,960 $80,000 8,680 9,730 7,970 6,030 30,560 7,820 70,790 470 1,000 620 72,880 2,000 1,000 4,000 120 7,120 80,000 %of Total Asse