b'Consolidated Statement of Condition (in thousands)Comparative Consolidated Condensed (in thousands)December 31, 2018*Analysis of Net Income*assets:Cash and due from banks $12,537 12/31/2018 12/31/2017Short-term investments $0 Interest income $63,957 $58,527Investment securities $324,797 Interest expense $13,549 $11,300Loans, net of allowance $1,240,421 Net interest income $50,408 $47,227Premises and equipment $14,861Other assets $31,819 Provision for loan losses $800 $960Total Assets $1,624,435Net interest income after$49,608$46,267 Liabilities & surplus provision for loan lossesTransaction accounts $229,149Savings and IRA accounts $231,074 Non-interest income $5,737 $8,836Money market accounts $265,390 Non-interest expense $38,071 $36,069Certificate of deposits $357,569 Income before taxes $17,274 $19,034Total Deposits $1,083,182 Income tax expense $4,421 $8,365Short-term borrowings $22,577 Net Income $12,853 $10,669Long-term borrowings $274,339Other liabilities $15,896Total Liabilities $1,395,994Surplus $228,441Total Liabilities and Surplus $1,624,435*Unaudited4|Country Bank 5'