CKB Annual Report 2019

2019 Annual Reports Comparative Statement of Condition

RESOURCES AT YEAR END

2015

2016

2017

2018

2019

(Audited)

(Audited)

(Audited)

(Audited)

(Unaudited)

Cash and Due from Banks

$11,117,109

$22,183,952

$21,068,098

$28,732,377

$48,807,494

Investment Securities*

$112,478,712 $108,923,049

$91,260,612

$88,090,934

$111,443,557

Loans

$186,728,820 $196,451,052 $227,047,190 $233,461,570

$223,304,475

Provision For Loan Loss

($1,179,112)

($1,604,303)

$2,151,607

$1,639,860

$1,741,540

Loans Net of Provisions For Loss

$185,549,708 $194,846,749 $224,895,583 $235,101,430

$225,045,985

Fed Funds Sold

$0

$0

$0

$15,000,000

$0

Bank Buildings/Equipment

$5,359,314

$5,111,211

$5,584,527

$7,357,763

$8,497,225

Interest Earned —Not Collected

$1,710,101

$2,006,431

$1,981,367

$2,163,298

$2,329,379

Other Assets

$4,575,863

$4,326,864

$9,377,344

$9,638,322

$10,339,854

Total Assets

$320,790,807 $337,398,256

$354,167,531 $386,084,124 $406,463,494

LIABILITIES AT YEAR END

2015

2016

2017

2018

2019

Deposits

$242,858,812 $256,580,851

$268,079,293

$300,654,366 $321,357,534

Repurchase Agreements

$0 $1,435,811 $1,143,166 $1,620,989

$2,364,522

FHLB Borrowings

$34,375,806

$36,542,513

$38,574,152

$33,710,418

$28,911,163

Other Liabilities

$1,549,663

$1,511,430

$2,922,361

$2,272,253

$2,128,756

Total Liabilities

$278,784,281 $296,070,605 $310,718,972

$338,258,026 $354,761,975

Capital

$39,672,945

$40,561,062

$42,596,509

$44,641,028

$46,268,382

Treasury Stock

$0

$0

$0

$0

$0

Number of Shares Treasury Stock

0

0

0

0

0

Unrealized Gain (Loss) on Sec

$2,333,581

$766,589

$852,049

($94,650)

$1,950,117

Total Stockholders Equity

$42,006,526

$41,327,651

$43,448,559 $44,546,3768

$48,218,499

Total Liabilities and Capital

$320,790,807 $337,398,256 $354,167,531 $382,804,404 $402,980,474

ASSET GROWTH

$430,000,000 $410,000,000 $390,000,000 $370,000,000 $350,000,000 $350,000,000 $330,000,000 $310,000,000 $290,000,000 $270,000,000 $250,000,000

$406,463,494

Loans, Investments, and Other Assets Deposits and Other Liabilities

$386,084,124

$354,167,531

$354,761,975

$337,398,256

$338,258,026

$320,790,807

$310,718,972

$296,070,605

$278,784,281

2015 (audited) 2016 (audited) 2017 (audited) 2018 (audited) 2019 (unaudited)