Page 4 - Demo

2 |5%8%11%14%17%0.25%0.50%0.75%1.00%1.25%8.02%10.98%15.44%16.67%15.17%0.77%0.98%1.10%1.23%1.19%$4.00$6.00$8.00$10.00$12.00$14.002020 2021 2022 2023 2024 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024$68$72$76$80$84$88$922020 2021 2022 2023 2024$2.00$2.20$2.40$2.60$2.80$3.00$3.202020 2021 2022 2023 2024$3.15$2.91 $ 2.84$ 2.80 2.76$6.30$9.24$11.36$12.74$13.40$82.09$85.74$72.94$83.56$91.25FINANCIAL HIGHLIGHTS2024 2023 % of ChangeBALANCE SHEET ITEMSAssets $ 967,118 $ 958,839 + 0.86%Deposits 878,718 877,348 + 0.16%Loans (net) 709,837 636,511 + 11.52%Stockholders%u2019 Equity 78,492 72,464 + 8.32%OPERATIONSNet Income 11,526 11,049 + 4.32%Net Income per Share 13.40 12.74 + 5.18%Dividends Paid 2,706 2,523 + 7.25%Dividends Paid per Share 3.15 2.91 + 8.25%PERFORMANCE RATIOSEquity to Assets (averages) 7.87% 7.41%Return on Average Assets 1.19% 1.23%Return on Average Equity 15.17% 16.67%DIVIDENDS PER SHAREEARNINGS PER SHAREBOOK VALUE PER SHARERETURN ON AVERAGE EQUITYRETURN ON AVERAGE ASSETS