Balance Sheet

Financial Highlights

Period Ended	2020 FQ2 YTD 3/31/2020	2019 FY 9/30/2019	2018 FY 9/30/2018	2017 FY 9/30/2017	2016 FY 9/30/2016
Assets ($000)
Cash and Due from Banks	97,121	48,426	39,197	36,008	31,815
Fed Funds Sold	0	0	0	0	0
Deposits at Financial Institutions	76,398	3,816	4,842	6,175	13,093
Securities Purchased, to Resell	0	0	0	0	0
Other Cash & Cash Equivalents	0	0	0	0	0
Cash and Cash Equivalents	173,519	52,242	44,039	42,183	44,908
Trading Account Securities	0	0	0	0	0
Available for Sale Securities	306,407	313,393	371,438	390,452	390,410
Held to Maturity Securities	0	0	0	0	0
Other Securities	17,284	11,579	12,973	13,832	15,463
Total Cash & Securities	497,210	377,214	428,450	446,467	450,781
Gross Loans Held for Investment	1,371,346	1,341,283	1,316,759	1,246,046	1,228,269
Loan Loss Reserve	13,179	12,630	11,688	9,365	9,056
Loans Held for Sale, before Reserves	0	0	0	0	0
Total Net Loans	1,358,167	1,328,653	1,305,071	1,236,681	1,219,213
Real Estate Owned and Held for Investment	408	240	1,141	1,424	2,659
Goodwill	13,801	13,801	13,801	13,801	13,801
Core Deposit Intangibles	926	1,066	1,375	1,844	NA
Other Intangibles	0	0	0	0	NA
Intangible Assets other than Goodwill	926	1,066	1,375	1,844	2,487
Total Intangible Assets	14,727	14,867	15,176	15,645	16,288
Loan Servicing Rights	188	177	206	232	398
Credit Card Rights	0	0	0	0	0
Other Loan Servicing Rights	0	0	0	0	0
Total Servicing Rights	188	177	206	232	398
Fixed Assets	21,226	14,335	14,601	16,234	16,844
Interest Receivable	6,593	6,225	6,640	6,149	5,769
Prepaid Expense	NA	NA	4,223	3,417	1,600
Bank-owned Life Insurance	40,077	39,601	38,630	37,626	36,593
Other Assets	16,580	18,115	19,652	21,343	22,334
Total Other Assets	84,476	78,276	83,746	84,769	83,140
Total Assets	1,955,176	1,799,427	1,833,790	1,785,218	1,772,479
Memo: Consolidated VIE Assets	0	0	0	0	0
Memo: Covered Loans	0	0	0	0	0
Memo: Covered OREO	0	0	0	0	0
Memo: Covered Securities	0	0	0	0	0
Memo: Covered Assets	0	0	0	0	0
Liabilities ($000)
Total Deposits	1,327,613	1,342,830	1,336,855	1,274,861	1,214,820
FHLB Borrowings	400,660	248,282	298,496	311,614	360,061
Senior Debt	407,530	248,282	298,496	311,614	360,061
Trust Preferred (FAS 150)	0	0	0	0	0
Total Subordinated Debt	0	0	0	0	0
Redeemable Financial Instruments (FAS 150)	0	0	0	0	0
Total Debt	407,530	248,282	298,496	311,614	360,061
Total Other Liabilities	26,367	18,807	19,253	16,016	21,254
Total Liabilities	1,761,510	1,609,919	1,654,604	1,602,491	1,596,135
Memo: Consolidated VIE Liabilities	0	0	0	0	0
Mezzanine ($000)
Redeemable Preferred	0	0	0	0	0
Trust Preferred Securities	0	0	0	0	0
Total Minority Interest	0	0	0	0	0
Other Mezzanine Items	0	0	0	0	0
Total Mezzanine Level Items	0	0	0	0	0
Equity ($000)
TARP Preferred Equity	0	0	0	0	0
Other Preferred Equity	0	0	0	0	0
Total Preferred Equity	0	0	0	0	0
Common Equity	193,666	189,508	179,186	182,727	176,344
Equity Attributable to Parent Company	193,666	189,508	179,186	182,727	176,344
Noncontrolling Interests	0	0	0	0	0
Total Equity	193,666	189,508	179,186	182,727	176,344
Net Unrealized Gain	4,987	807	(11,369)	(927)	3,952
Tot Acc Other Comprehensive Inc	996	(1,280)	(9,910)	(754)	(1,832)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets	70.14	74.54	71.81	69.80	69.30
Loans/ Deposits	103.29	99.88	98.50	97.74	101.11
Loan Loss Reserves/ Gross Loans	0.96	0.94	0.89	0.75	0.74
Reserves/ Loans Held For Investment	0.96	0.94	0.89	0.75	0.74
One Year Gap/ Assets	NA	NA	NA	NA	NA
1-4 Loans Serviced for Others($000)	NA	85,743	72,043	61,167	78,497
Level 1 Assets($000)	20	25	20	25	25
Level 2 Assets($000)	301,070	305,904	366,132	384,418	383,353
Level 3 Assets($000)	16,177	16,160	20,436	24,111	32,760
Level 1 Liabilities($000)	0	0	0	0	0
Level 2 Liabilities($000)	4,515	1,011	0	0	0
Level 3 Liabilities($000)	0	0	0	0	0
FTE Employees(actual)	244	256	266	304	326
Annualized Growth Rates (%)
Asset Growth	17.31	(1.87)	2.72	0.72	10.33
Gross Loans HFI Growth	4.48	1.86	5.67	1.45	10.55
Deposit Growth	(2.27)	0.45	4.86	4.94	10.77
Average Balances ($000)
Avg Gross Loans HFI	1,350,538	1,336,019	1,293,002	1,227,590	1,215,702
Avg Loans HFS	0	0	0	0	0
Average Loans, Gross of Reserves	1,350,538	1,336,019	1,293,002	1,227,590	1,215,702
Avg Securities	NA	362,240	394,911	406,225	403,580
Avg Other Int Earn Assets	NA	26,720	5,532	8,100	3,848
Avg Secs & Other Int Earn Assets	357,724	388,960	400,443	414,325	407,428
Avg Interest Earning Assets	1,708,262	1,724,979	1,693,445	1,641,915	1,623,130
Avg Assets	1,807,336	1,823,170	1,814,678	1,763,409	1,732,496
Avg CDs	NA	495,957	520,465	517,569	596,143
Avg Other Interest-bearing Deposits	NA	660,666	583,215	548,544	444,184
Avg Interest-bearing Deposits	NA	1,156,623	1,103,680	1,066,113	1,040,327
Avg Debt	NA	292,352	352,423	349,513	356,741
Avg Interest-bearing Liabs	1,409,772	1,448,975	1,456,103	1,415,626	1,397,068
Avg Noninterest-bearing Deposits	NA	167,211	154,662	147,554	138,070
Avg Total Deposits	1,334,452	1,323,834	1,258,342	1,213,667	1,178,397
Avg Preferred Equity	0	0	0	0	0
Avg Common Equity	192,696	185,645	180,759	178,629	175,487
Avg Equity	192,696	185,645	180,759	178,629	175,487

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Investor Relations

Balance Sheet

Financial Highlights

Assets ($000)

Liabilities ($000)

Mezzanine ($000)

Equity ($000)

Balance Sheet Analysis (%)

Annualized Growth Rates (%)

Average Balances ($000)

Phone: (800) 439-0715

Routing Number #231372248