b'MARTHAS VINEYARD BANK CONSOLIDATED BALANCE SHEETS (USD in thousands)ASSETS 2021 2022 2023Cash and due from banks$5,033 $4,741 $4,759Interest-bearing deposits 28,82310,640 10,867Total cash and cash equivalents$33,856 $ 15,381 $15,626Securities available for sale, at fair value 97,31884,506 84,009Restricted stock, at cost5,6966,008 9,451Loans held for sale, net4,991 20,146 3,155Loans, net of allowance for credit losses of 1,008,164 1,128,002 1,159,329 $9,114 in 2023 and $8,874 in 2022, respectivelyPremises and equipment, net 18,50718,491 19,914Accrued interest receivable2,6703,391 3,821Bank-owned life insurance15,85916,296 16,746Mortgage servicing rights 915 1,271 1,618Other assets3,234 2,742 5,859$1,191,210 $ 1,296,234 $1,319,528LIABILITIES AND SURPLUSDeposits$1,034,450 $1,125,931 $1,055,236Borrowings, accrued expenses and other liabilities35,308 148,806 135,005Total liabilities$1,069,758 $ 1,174,737 $ 1,201,597 Total surplus 121,452121,497 129,287$1,191,210$ 1,296,234 $1,319,52813'