CONSOLIDATED BALANCE SHEETS
DECEMBER 31, 2014 & JUNE 30, 2015

Assets	2014	2015
Cash and balances due from depository institutions	$9,095,000	$10,867,000
Federal funds sold	$3,050,000	$5,874,000
Securities	$20,041,000	$17,827,000
Loans and leases, net of allowance of $1,929,000 in 2014 & $1,959,000 in 2015	$119,180,000	$120,113,000
Premises and fixed assets	$665,000	$597,000
Other assets	$6,761,000	$7,132,000
Total assets	$158,792,000	$162,410,000

LIABILITIES AND STOCKHOLDERS’ EQUITY

Deposits:	2014	2015
Interest-bearing	$113,313,000	$118,494,000
Non Interest-bearing	$21,440,000	$21,007,000
Total deposits	$134,752,000	$139,502,000
Other liabilities	$4,566,000	$2,797,000
Total liabilities	$139,318,000	$142,299,000
Equity Capital:
Common Stock	$75,000	$75,000
Surplus	$5,962,000	$5,962,000
Retained earnings	$13,437,000	$14,074,000
Total equity capital	$19,474,000	$20,111,000
Total liabilities and equity capital	$158,792,000	$162,410,000