what is most interesting about this balancesheet and incomestatement(Explain for both income statement and balance sheet)

income statement

Balance sheet

12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 Percent Change 1 Year 19,50 14 13,357 16.36 16,776 46 303 14,131 61 36.gB | 68 207 271 20 -6.15 7 12 B 101 -63 B 16,3[ 19,621 15,112 142 13,56 16.10 1,347 1,74 1,1E : 1 1440 .53 33.33 * 4.09 5 52 338 206 1,070 14.07 472 128 216 4.85 3,075 7 17, 015 10.2 1,303 - 25 45 557 41 | 70.00 NA | N/A 31 12 11267 4,365 20 s 17 55 55 NA NA NA NA 3,505 4,337 352 NA BB 3 561 40.BE 15 5 - 5 NA 133 1CE : - 0 Other Interest Expense NA NA NIA Total Interest Expense 4,999 3,912 3,176 2,774 2,672 27.79 Net Interest Income (TE) 19,366 16,725 14,521 13,726 12,828 15.79 Non-interest Income 7.520 6,123 5,234 3,949 3,343 22.82 Adjusted Operating Income (TE) 26,886 22,848 19,755 17,675 16,171 17.67 Non-Interest Expense 13,619 11,986 10,782 9,603 9,412 13.62 Provision: Loan & Lease Losses 600 726 600 40 121 -17.36 NA N/A NA NA N/A N/A Provision: Credit Losses Other Assets Pretax Operating Income (TE) 12,667 10,136 8,373 8,032 6,638 24.97 0 0 0 0 N/A || ( || || ( ( ( ( ( ( 77 0 45 132 186 Realized G/L Hid-to-Maturity Sec Realized G/L Avail-for Sale Sec Unrealized G/L Equity Securities Pretax Net Operating Inc (TE) N/A NA NA N/A N/A NA N/A 12,744 10,136 8,418 8,164 6,824 25.73 0 0 0 446 2,593 N/A Applicable Income Taxes Current Tax Equiv Adjustment 126 129 213 161 150 -2.46 Other Tax Equiv Adjustments 0 0 0 0 0 N/A Applicable Income Taxes (TE) 126 129 213 607 2,743 -2.46 Net Operating Income 12,618 10,007 8,205 7,557 4,081 26.09 Net Discontinued / Extraordinary Items 0 0 0 0 0 N/A ... 0 0 0 0 0 N/A Net Inc Noncontrolling Minority Interests Net Income 12,618 10,007 8,205 7,557 4,081 26.09 Cash Dividends Declared 8,070 4,446 3,808 3,322 0 81.51 R 8,070 4,446 3,808 3,322 0 81.51 Cash Dividends Declared Retained Earnings 4,548 5,561 4,397 4.235 4,081 -18.22 Memo: Net International Income NA NA NA NA NA N/A N/A N/A N/A 1,176 1,246 N/A Memo: Interest on Time Dep Over $100M Memo: Interest on Time Dep Over $250M 721 484 513 NA NA 48.97 Percent Change 5Q Trend 12/3/2019 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 1 Quarter 1 Year Assets: Real Estate Loans 273,017 252,628 211,860 211,912 205,167 4.52 8.07 Commercial Loans 71,420 70,566 68,380 57,901 48,483 -11.54 1.21 Individual Loans 1,543 1,690 1,809 1,539 1,901 -9.79 -8.40 Agricultural Loans 0 0 0 0 0 NA N/A Other Loans & Leases 37,489 33,518 31,530 17,323 20,329 3.13 11.85 LN&LS Allowance 4,345 4,136 3,375 3,100 3,060 3.58 5.05 Unearned Income 0 0 0 0 0 0 0 N/A N/A Net Loans & Leases 379, 129 354,266 310,204 285,575 272,820 0.88 7.02 U.S. Treasury & Agency Securities 64,572 69,571 53,867 43,053 55,135 0.75 -7.19 19,208 19,844 19,517 15,936 7,500 -0.89 -3.20 Municipal Securities Foreign Debt Securities All Other Securities 0 0 0 0 0 N/A N/A a 131 135is {{{ SS17 8,698 7,211 6,852 7,092 1,929 1.52 20.62 HTM Securities Allowance NA N/A N/A NA NA N/A N/A 145,915 80,668 71,073 19,252 22,269 99.92 80.88 0 0 0 0 0 N/A N/A Interest-Bearing Bank Balances Federal Funds Sold & Resales Trading Account Assets Total Investments 0 0 0 0 0 N/A N/A 238,393 177,294 151,309 85,333 86,833 44.46 34.46 Total Earning Assets 617,522 531,560 461,513 370,908 359,653 14.18 16.17 Nonint Cash & Due From Banks 11,558 13,204 10,764 11,392 7,650 -35.61 -12.47 Premises, Fix Assts, Cap Leases 20,247 20,576 16,821 16,352 12,180 0.00 -1.60 Other Real Estate Owned 736 0 1,431 0 218 0.00 N/A Dir & Indir Inv RE Ventures 0 0 0 0 0 NA N/A Inv in Unconsolidated Subs 205 0 0 0 0 0.00 N/A Acceptances & Oth Assets 17,021 17,263 14,984 13,951 14,467 1.56 -1.40 Total Assets 667,289 582,603 505,513 412,603 394,168 11.82 14.54 Average Assets During Quarter 609,163 522,991 476,564 401,753 390,700 7.17 16.48 Liabilities: Demand Deposits 377,059 311,160 270,292 172,575 147,135 20.17 21.18 All Now & ATS Accounts 112,12 97,376 79,517 84,248 72,483 -8.15 15.14 Money Market Deposit Accounts 0 0 0 0 0 N/A N/A 0 0 0 0 0 NA N/A 86,774 83,573 75,401 75,089 90,133 7.46 3.83 25,000 17,000 6,000 0 0 7,500 0.00 47.06 550,954 475,109 419,210 331,912 302,251 12.07 15.96 25,000 17,000 6,000 0 7.500 0.00 47.06 Other savings Deposits Time Deps At Or Below Insurance Limit Less: Fully Insured Brokered Deposits Core Deposits Fully Insured Brokered Deposits Time Deps Above Insurance Limit Deposits in Foreign Offices Total Deposits Federal Funds Purch & Resale Fed Home Loan Bor Mat 1 Year Oth Borrowing Mat 1 Year Subordinated Notes & Debentures Acceptances & Other Llabilities Total Liabilities (Incl Mortg) Total Bank Capital & Min Int Total Liabilities & Capital 1,507 1,361 967 770 732 37.75 10.73 611,644 535,528 462,189 374,682 358,212 12.91 14.21 55,645 47,075 43,324 37,921 35,956 1.15 18.20 667,289 582,603 505,513 412,603 394,168 11.82 14.54 Memoranda: 9.383 10.575 11,384 22.44 13.71 Memoranda: Officers, Shareholder Loans (#) Officers, Shareholder Loans ($) Held-to-Maturity Securities Available-for-Sale Securities All Brokered Deposits LN&LS in Foreign Offices Loans Held for Sale Loans not Held for Sale MIT N/A 96,626 80,236 -4.29 64,564 15,532 0.48 0.00 17,000 8.000 47.06 NA N/A N/A 353 NA 172 275,708 12.16 103.36 0.85 57.85 313.226 7.02