Home > 1st Choice Bank > Assets and Liabilities
1st Choice Bank, Assets and Liabilities
| 2008-03-31 | Rank | |
| # of Employees: | 45 | 3,636 |
| Assets and Liabilities | ||
| Total Assets: | $313,880,000 | 2,164 |
| Cash and due from depository institutions | $12,039,000 | 3,636 |
| Interest-bearing balances | $596,000 | 3,477 |
| Securities | $40,949,000 | 2,703 |
| Federal funds sold & reverse repurchase agreements | $57,750,000 | 263 |
| Net loans & leases | $196,672,000 | 2,318 |
| Loan loss allowance | $2,180,000 | 2,432 |
| Trading account assets | $0 | 252 |
| Bank premises and fixed assets | $3,269,000 | 3,501 |
| Other real estate owned | $214,000 | 3,636 |
| Goodwill and other intangibles | $0 | 3,304 |
| All other assets | $2,987,000 | 4,221 |
| Life insurance assets | $0 | 4,038 |
| Total liabilities and capital | $313,880,000 | 2,164 |
| Total liabilities | $286,409,000 | 2,110 |
| Total deposits | $285,072,000 | 1,877 |
| Interest-bearing deposits | $212,342,000 | 2,159 |
| Deposits held in domestic offices | $285,072,000 | 1,871 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,157 |
| Trading liabilities | $0 | 86 |
| Other borrowed funds | $0 | 5,604 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $1,337,000 | 3,351 |
| Total equity capital | $27,471,000 | 2,537 |
| Total bank equity capital | $27,471,000 | 2,537 |
| Perpetual preferred stock | $0 | 108 |
| Common stock | $5,652,000 | 895 |
| Surplus | $7,228,000 | 3,269 |
| Undivided profits | $14,591,000 | 2,387 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $251,000 | 5,730 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,070 |
| Income earned, not collected on loans | $1,446,000 | 2,713 |
| Earning assets | $295,967,000 | 2,104 |
| Long-term assets (5+ years) | $41,126,000 | 2,486 |
| Average Assets, year-to-date | $308,422,500 | 2,172 |
| Average Assets, quarterly | $308,422,500 | 2,172 |
| Volatile liabilities | $105,192,000 | 1,363 |
| Insider loans | $5,122,000 | 1,525 |
| FHLB advances | $0 | 5,198 |
| Loans and leases held for sale | $0 | 1,797 |
| Unused loan commitments | $31,863,000 | 2,484 |
| Tier 1 (core) risk-based capital | $27,042,000 | 2,414 |
| Tier 2 risk-based capital | $2,180,000 | 2,270 |
| Total risk weighted assets | $206,208,000 | 2,327 |
| Total unused commitments | $31,863,000 | 2,487 |
| Derivatives | $0 | 1,109 |
| 2007-12-31 | Rank | |
| # of Employees: | 45 | 3,644 |
| Assets and Liabilities | ||
| Total Assets: | $302,965,000 | 2,194 |
| Cash and due from depository institutions | $9,827,000 | 3,644 |
| Interest-bearing balances | $590,000 | 3,011 |
| Securities | $53,318,000 | 2,173 |
| Federal funds sold & reverse repurchase agreements | $42,250,000 | 315 |
| Net loans & leases | $190,693,000 | 2,365 |
| Loan loss allowance | $2,094,000 | 2,462 |
| Trading account assets | $0 | 237 |
| Bank premises and fixed assets | $3,315,000 | 3,451 |
| Other real estate owned | $400,000 | 3,644 |
| Goodwill and other intangibles | $0 | 3,293 |
| All other assets | $3,162,000 | 4,118 |
| Life insurance assets | $0 | 4,052 |
| Total liabilities and capital | $302,965,000 | 2,194 |
| Total liabilities | $275,574,000 | 2,164 |
| Total deposits | $273,836,000 | 1,940 |
| Interest-bearing deposits | $205,703,000 | 2,192 |
| Deposits held in domestic offices | $273,836,000 | 1,935 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,440 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $0 | 5,553 |
| Subordinated debt | $0 | 248 |
| All other liabilities | $1,738,000 | 2,759 |
| Total equity capital | $27,391,000 | 2,516 |
| Total bank equity capital | $27,391,000 | 2,516 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $5,652,000 | 883 |
| Surplus | $7,228,000 | 3,246 |
| Undivided profits | $14,511,000 | 2,370 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $204,000 | 5,755 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,085 |
| Income earned, not collected on loans | $1,786,000 | 2,397 |
| Earning assets | $286,851,000 | 2,124 |
| Long-term assets (5+ years) | $31,241,000 | 2,811 |
| Average Assets, year-to-date | $303,328,800 | 2,123 |
| Average Assets, quarterly | $304,120,000 | 2,168 |
| Volatile liabilities | $106,565,000 | 1,369 |
| Insider loans | $6,013,000 | 1,280 |
| FHLB advances | $0 | 5,108 |
| Loans and leases held for sale | $0 | 1,738 |
| Unused loan commitments | $39,242,000 | 2,143 |
| Tier 1 (core) risk-based capital | $27,356,000 | 2,380 |
| Tier 2 risk-based capital | $2,094,000 | 2,305 |
| Total risk weighted assets | $199,003,000 | 2,368 |
| Total unused commitments | $39,242,000 | 2,145 |
| Derivatives | $0 | 1,052 |
| 2007-09-30 | Rank | |
| # of Employees: | 45 | 3,635 |
| Assets and Liabilities | ||
| Total Assets: | $305,275,000 | 2,157 |
| Cash and due from depository institutions | $12,192,000 | 3,635 |
| Interest-bearing balances | $584,000 | 2,867 |
| Securities | $52,837,000 | 2,190 |
| Federal funds sold & reverse repurchase agreements | $43,300,000 | 316 |
| Net loans & leases | $190,102,000 | 2,336 |
| Loan loss allowance | $2,064,000 | 2,438 |
| Trading account assets | $0 | 244 |
| Bank premises and fixed assets | $3,354,000 | 3,375 |
| Other real estate owned | $433,000 | 3,635 |
| Goodwill and other intangibles | $0 | 3,301 |
| All other assets | $3,057,000 | 4,241 |
| Life insurance assets | $0 | 4,026 |
| Total liabilities and capital | $305,275,000 | 2,157 |
| Total liabilities | $277,634,000 | 2,122 |
| Total deposits | $276,114,000 | 1,900 |
| Interest-bearing deposits | $206,734,000 | 2,164 |
| Deposits held in domestic offices | $276,114,000 | 1,895 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,436 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $0 | 5,543 |
| Subordinated debt | $0 | 244 |
| All other liabilities | $1,520,000 | 3,078 |
| Total equity capital | $27,641,000 | 2,477 |
| Total bank equity capital | $27,641,000 | 2,477 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $5,652,000 | 854 |
| Surplus | $7,228,000 | 3,195 |
| Undivided profits | $14,761,000 | 2,332 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $230,000 | 5,446 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,109 |
| Income earned, not collected on loans | $1,524,000 | 2,935 |
| Earning assets | $286,823,000 | 2,106 |
| Long-term assets (5+ years) | $29,810,000 | 2,797 |
| Average Assets, year-to-date | $303,419,750 | 2,115 |
| Average Assets, quarterly | $304,761,500 | 2,149 |
| Volatile liabilities | $106,290,000 | 1,327 |
| Insider loans | $5,649,000 | 1,313 |
| FHLB advances | $0 | 5,081 |
| Loans and leases held for sale | $0 | 1,751 |
| Unused loan commitments | $36,501,000 | 2,285 |
| Tier 1 (core) risk-based capital | $27,876,000 | 2,340 |
| Tier 2 risk-based capital | $2,064,000 | 2,322 |
| Total risk weighted assets | $199,513,000 | 2,332 |
| Total unused commitments | $36,501,000 | 2,285 |
| Derivatives | $0 | 1,033 |
| 2007-06-30 | Rank | |
| # of Employees: | 44 | 3,734 |
| Assets and Liabilities | ||
| Total Assets: | $304,248,000 | 2,175 |
| Cash and due from depository institutions | $10,707,000 | 3,734 |
| Interest-bearing balances | $577,000 | 2,983 |
| Securities | $51,937,000 | 2,225 |
| Federal funds sold & reverse repurchase agreements | $46,600,000 | 337 |
| Net loans & leases | $187,839,000 | 2,369 |
| Loan loss allowance | $2,054,000 | 2,448 |
| Trading account assets | $0 | 245 |
| Bank premises and fixed assets | $3,379,000 | 3,348 |
| Other real estate owned | $313,000 | 3,734 |
| Goodwill and other intangibles | $0 | 3,329 |
| All other assets | $3,473,000 | 3,883 |
| Life insurance assets | $0 | 4,058 |
| Total liabilities and capital | $304,248,000 | 2,175 |
| Total liabilities | $278,425,000 | 2,128 |
| Total deposits | $277,132,000 | 1,936 |
| Interest-bearing deposits | $205,815,000 | 2,189 |
| Deposits held in domestic offices | $277,132,000 | 1,929 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,401 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,494 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $1,293,000 | 3,261 |
| Total equity capital | $25,823,000 | 2,598 |
| Total bank equity capital | $25,823,000 | 2,598 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $5,652,000 | 843 |
| Surplus | $7,228,000 | 3,188 |
| Undivided profits | $12,943,000 | 2,539 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $375,000 | 4,631 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,127 |
| Income earned, not collected on loans | $1,615,000 | 2,612 |
| Earning assets | $286,953,000 | 2,109 |
| Long-term assets (5+ years) | $31,364,000 | 2,642 |
| Average Assets, year-to-date | $302,801,330 | 2,149 |
| Average Assets, quarterly | $305,848,000 | 2,146 |
| Volatile liabilities | $104,256,000 | 1,338 |
| Insider loans | $6,187,000 | 1,193 |
| FHLB advances | $0 | 5,027 |
| Loans and leases held for sale | $0 | 1,802 |
| Unused loan commitments | $37,504,000 | 2,251 |
| Tier 1 (core) risk-based capital | $26,713,000 | 2,436 |
| Tier 2 risk-based capital | $2,054,000 | 2,326 |
| Total risk weighted assets | $199,286,000 | 2,337 |
| Total unused commitments | $37,504,000 | 2,252 |
| Derivatives | $0 | 1,067 |
| 2007-03-31 | Rank | |
| # of Employees: | 44 | 3,716 |
| Assets and Liabilities | ||
| Total Assets: | $307,448,000 | 2,133 |
| Cash and due from depository institutions | $10,967,000 | 3,716 |
| Interest-bearing balances | $569,000 | 3,054 |
| Securities | $45,338,000 | 2,501 |
| Federal funds sold & reverse repurchase agreements | $65,525,000 | 294 |
| Net loans & leases | $178,411,000 | 2,440 |
| Loan loss allowance | $2,063,000 | 2,430 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $3,424,000 | 3,283 |
| Other real estate owned | $313,000 | 3,716 |
| Goodwill and other intangibles | $0 | 3,322 |
| All other assets | $3,470,000 | 3,807 |
| Life insurance assets | $0 | 4,074 |
| Total liabilities and capital | $307,448,000 | 2,133 |
| Total liabilities | $282,371,000 | 2,080 |
| Total deposits | $280,762,000 | 1,902 |
| Interest-bearing deposits | $213,931,000 | 2,118 |
| Deposits held in domestic offices | $280,762,000 | 1,897 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,056 |
| Trading liabilities | $0 | 89 |
| Other borrowed funds | $0 | 5,479 |
| Subordinated debt | $0 | 262 |
| All other liabilities | $1,609,000 | 2,840 |
| Total equity capital | $25,077,000 | 2,672 |
| Total bank equity capital | $25,077,000 | 2,672 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $5,652,000 | 827 |
| Surplus | $7,228,000 | 3,139 |
| Undivided profits | $12,197,000 | 2,710 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $69,000 | 6,433 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,132 |
| Income earned, not collected on loans | $1,431,000 | 2,798 |
| Earning assets | $289,843,000 | 2,072 |
| Long-term assets (5+ years) | $24,414,000 | 3,051 |
| Average Assets, year-to-date | $302,078,000 | 2,160 |
| Average Assets, quarterly | $302,078,000 | 2,160 |
| Volatile liabilities | $106,987,000 | 1,278 |
| Insider loans | $6,329,000 | 1,134 |
| FHLB advances | $0 | 5,010 |
| Loans and leases held for sale | $0 | 1,800 |
| Unused loan commitments | $36,365,000 | 2,300 |
| Tier 1 (core) risk-based capital | $25,508,000 | 2,516 |
| Tier 2 risk-based capital | $2,063,000 | 2,323 |
| Total risk weighted assets | $195,827,000 | 2,345 |
| Total unused commitments | $36,365,000 | 2,300 |
| Derivatives | $0 | 1,065 |
| 2006-12-31 | Rank | |
| # of Employees: | 44 | 3,728 |
| Assets and Liabilities | ||
| Total Assets: | $296,708,000 | 2,202 |
| Cash and due from depository institutions | $9,970,000 | 3,728 |
| Interest-bearing balances | $462,000 | 3,247 |
| Securities | $40,157,000 | 2,787 |
| Federal funds sold & reverse repurchase agreements | $65,925,000 | 234 |
| Net loans & leases | $173,672,000 | 2,474 |
| Loan loss allowance | $2,109,000 | 2,355 |
| Trading account assets | $0 | 156 |
| Bank premises and fixed assets | $3,468,000 | 3,236 |
| Other real estate owned | $253,000 | 3,728 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $3,263,000 | 3,994 |
| Life insurance assets | $0 | 4,082 |
| Total liabilities and capital | $296,708,000 | 2,202 |
| Total liabilities | $272,846,000 | 2,140 |
| Total deposits | $271,321,000 | 1,934 |
| Interest-bearing deposits | $205,971,000 | 2,165 |
| Deposits held in domestic offices | $271,321,000 | 1,928 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,314 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $0 | 5,610 |
| Subordinated debt | $0 | 264 |
| All other liabilities | $1,525,000 | 2,930 |
| Total equity capital | $23,862,000 | 2,741 |
| Total bank equity capital | $23,862,000 | 2,741 |
| Perpetual preferred stock | $0 | 112 |
| Common stock | $5,652,000 | 816 |
| Surplus | $7,228,000 | 3,088 |
| Undivided profits | $10,982,000 | 2,933 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,952,000 | 1,080 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,087 |
| Income earned, not collected on loans | $1,542,000 | 2,713 |
| Earning assets | $280,216,000 | 2,132 |
| Long-term assets (5+ years) | $24,257,000 | 3,024 |
| Average Assets, year-to-date | $273,178,200 | 2,280 |
| Average Assets, quarterly | $293,743,000 | 2,197 |
| Volatile liabilities | $103,251,000 | 1,458 |
| Insider loans | $5,470,000 | 1,313 |
| FHLB advances | $0 | 5,139 |
| Loans and leases held for sale | $0 | 1,760 |
| Unused loan commitments | $36,429,000 | 2,272 |
| Tier 1 (core) risk-based capital | $24,371,000 | 2,566 |
| Tier 2 risk-based capital | $2,109,000 | 2,263 |
| Total risk weighted assets | $189,825,000 | 2,384 |
| Total unused commitments | $36,429,000 | 2,273 |
| Derivatives | $0 | 1,023 |
| 2006-09-30 | Rank | |
| # of Employees: | 44 | 3,734 |
| Assets and Liabilities | ||
| Total Assets: | $290,778,000 | 2,225 |
| Cash and due from depository institutions | $9,397,000 | 3,734 |
| Interest-bearing balances | $457,000 | 3,197 |
| Securities | $38,413,000 | 2,921 |
| Federal funds sold & reverse repurchase agreements | $63,425,000 | 230 |
| Net loans & leases | $172,685,000 | 2,488 |
| Loan loss allowance | $2,118,000 | 2,356 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $3,490,000 | 3,180 |
| Other real estate owned | $254,000 | 3,734 |
| Goodwill and other intangibles | $0 | 3,332 |
| All other assets | $3,114,000 | 4,152 |
| Life insurance assets | $0 | 4,052 |
| Total liabilities and capital | $290,778,000 | 2,225 |
| Total liabilities | $268,226,000 | 2,156 |
| Total deposits | $266,941,000 | 1,938 |
| Interest-bearing deposits | $207,643,000 | 2,112 |
| Deposits held in domestic offices | $266,941,000 | 1,933 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,596 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $0 | 5,812 |
| Subordinated debt | $0 | 269 |
| All other liabilities | $1,285,000 | 3,261 |
| Total equity capital | $22,552,000 | 2,862 |
| Total bank equity capital | $22,552,000 | 2,862 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $5,652,000 | 798 |
| Surplus | $7,228,000 | 3,059 |
| Undivided profits | $9,672,000 | 3,207 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,708,000 | 1,138 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,131 |
| Income earned, not collected on loans | $1,337,000 | 3,078 |
| Earning assets | $274,980,000 | 2,154 |
| Long-term assets (5+ years) | $21,759,000 | 3,187 |
| Average Assets, year-to-date | $267,295,750 | 2,331 |
| Average Assets, quarterly | $286,969,000 | 2,229 |
| Volatile liabilities | $103,394,000 | 1,445 |
| Insider loans | $5,474,000 | 1,292 |
| FHLB advances | $0 | 5,308 |
| Loans and leases held for sale | $0 | 1,773 |
| Unused loan commitments | $35,424,000 | 2,336 |
| Tier 1 (core) risk-based capital | $23,242,000 | 2,657 |
| Tier 2 risk-based capital | $2,118,000 | 2,266 |
| Total risk weighted assets | $188,475,000 | 2,385 |
| Total unused commitments | $35,424,000 | 2,337 |
| Derivatives | $0 | 1,023 |
| 2006-06-30 | Rank | |
| # of Employees: | 41 | 3,965 |
| Assets and Liabilities | ||
| Total Assets: | $283,160,000 | 2,262 |
| Cash and due from depository institutions | $11,515,000 | 3,965 |
| Interest-bearing balances | $451,000 | 3,213 |
| Securities | $36,276,000 | 3,051 |
| Federal funds sold & reverse repurchase agreements | $58,800,000 | 227 |
| Net loans & leases | $169,574,000 | 2,502 |
| Loan loss allowance | $1,972,000 | 2,480 |
| Trading account assets | $0 | 157 |
| Bank premises and fixed assets | $3,532,000 | 3,120 |
| Other real estate owned | $256,000 | 3,965 |
| Goodwill and other intangibles | $0 | 3,333 |
| All other assets | $3,207,000 | 4,025 |
| Life insurance assets | $0 | 4,035 |
| Total liabilities and capital | $283,160,000 | 2,262 |
| Total liabilities | $262,087,000 | 2,192 |
| Total deposits | $261,066,000 | 1,978 |
| Interest-bearing deposits | $197,725,000 | 2,198 |
| Deposits held in domestic offices | $261,066,000 | 1,973 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,710 |
| Trading liabilities | $0 | 73 |
| Other borrowed funds | $0 | 5,848 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $1,021,000 | 3,493 |
| Total equity capital | $21,073,000 | 2,912 |
| Total bank equity capital | $21,073,000 | 2,912 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $5,652,000 | 777 |
| Surplus | $7,228,000 | 2,997 |
| Undivided profits | $8,193,000 | 3,425 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,299,000 | 1,188 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,150 |
| Income earned, not collected on loans | $1,359,000 | 2,754 |
| Earning assets | $265,101,000 | 2,213 |
| Long-term assets (5+ years) | $23,333,000 | 3,042 |
| Average Assets, year-to-date | $259,468,330 | 2,404 |
| Average Assets, quarterly | $267,244,000 | 2,359 |
| Volatile liabilities | $88,661,000 | 1,645 |
| Insider loans | $4,460,000 | 1,554 |
| FHLB advances | $0 | 5,334 |
| Loans and leases held for sale | $0 | 1,763 |
| Unused loan commitments | $36,677,000 | 2,280 |
| Tier 1 (core) risk-based capital | $22,161,000 | 2,719 |
| Tier 2 risk-based capital | $1,972,000 | 2,362 |
| Total risk weighted assets | $182,869,000 | 2,417 |
| Total unused commitments | $36,677,000 | 2,281 |
| Derivatives | $0 | 1,000 |
| 2006-03-31 | Rank | |
| # of Employees: | 41 | 3,942 |
| Assets and Liabilities | ||
| Total Assets: | $251,328,000 | 2,485 |
| Cash and due from depository institutions | $9,023,000 | 3,942 |
| Interest-bearing balances | $446,000 | 3,363 |
| Securities | $33,225,000 | 3,290 |
| Federal funds sold & reverse repurchase agreements | $36,300,000 | 373 |
| Net loans & leases | $166,340,000 | 2,493 |
| Loan loss allowance | $1,893,000 | 2,535 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $3,579,000 | 3,038 |
| Other real estate owned | $389,000 | 3,942 |
| Goodwill and other intangibles | $0 | 3,321 |
| All other assets | $2,472,000 | 4,567 |
| Life insurance assets | $0 | 4,002 |
| Total liabilities and capital | $251,328,000 | 2,485 |
| Total liabilities | $230,897,000 | 2,448 |
| Total deposits | $229,708,000 | 2,215 |
| Interest-bearing deposits | $172,542,000 | 2,475 |
| Deposits held in domestic offices | $229,708,000 | 2,211 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,368 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $0 | 5,773 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $1,189,000 | 3,134 |
| Total equity capital | $20,431,000 | 2,969 |
| Total bank equity capital | $20,431,000 | 2,969 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $5,652,000 | 764 |
| Surplus | $7,228,000 | 2,932 |
| Undivided profits | $7,551,000 | 3,627 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,299,000 | 1,148 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,164 |
| Income earned, not collected on loans | $1,085,000 | 3,202 |
| Earning assets | $236,311,000 | 2,430 |
| Long-term assets (5+ years) | $21,231,000 | 3,190 |
| Average Assets, year-to-date | $247,622,500 | 2,510 |
| Average Assets, quarterly | $247,622,500 | 2,510 |
| Volatile liabilities | $83,498,000 | 1,637 |
| Insider loans | $5,358,000 | 1,278 |
| FHLB advances | $0 | 5,285 |
| Loans and leases held for sale | $0 | 1,721 |
| Unused loan commitments | $35,200,000 | 2,332 |
| Tier 1 (core) risk-based capital | $21,168,000 | 2,788 |
| Tier 2 risk-based capital | $1,893,000 | 2,417 |
| Total risk weighted assets | $174,883,000 | 2,462 |
| Total unused commitments | $35,200,000 | 2,334 |
| Derivatives | $0 | 990 |
| 2005-12-31 | Rank | |
| # of Employees: | 38 | 4,193 |
| Assets and Liabilities | ||
| Total Assets: | $243,917,000 | 2,546 |
| Cash and due from depository institutions | $6,823,000 | 4,193 |
| Interest-bearing balances | $441,000 | 3,463 |
| Securities | $31,276,000 | 3,455 |
| Federal funds sold & reverse repurchase agreements | $37,200,000 | 345 |
| Net loans & leases | $161,642,000 | 2,515 |
| Loan loss allowance | $1,754,000 | 2,662 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $3,586,000 | 2,999 |
| Other real estate owned | $877,000 | 4,193 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $2,513,000 | 4,522 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $243,917,000 | 2,546 |
| Total liabilities | $224,152,000 | 2,499 |
| Total deposits | $223,012,000 | 2,260 |
| Interest-bearing deposits | $169,162,000 | 2,480 |
| Deposits held in domestic offices | $223,012,000 | 2,255 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,512 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $0 | 5,856 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $1,140,000 | 3,209 |
| Total equity capital | $19,765,000 | 3,035 |
| Total bank equity capital | $19,765,000 | 3,035 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $5,652,000 | 749 |
| Surplus | $7,228,000 | 2,899 |
| Undivided profits | $6,885,000 | 3,855 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,314,000 | 1,121 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $1,322,000 | 2,696 |
| Earning assets | $230,559,000 | 2,475 |
| Long-term assets (5+ years) | $19,272,000 | 3,371 |
| Average Assets, year-to-date | $229,374,200 | 2,579 |
| Average Assets, quarterly | $242,023,500 | 2,523 |
| Volatile liabilities | $82,905,000 | 1,608 |
| Insider loans | $4,532,000 | 1,489 |
| FHLB advances | $0 | 5,326 |
| Loans and leases held for sale | $0 | 1,743 |
| Unused loan commitments | $32,010,000 | 2,437 |
| Tier 1 (core) risk-based capital | $20,298,000 | 2,871 |
| Tier 2 risk-based capital | $1,754,000 | 2,539 |
| Total risk weighted assets | $169,924,000 | 2,487 |
| Total unused commitments | $32,010,000 | 2,437 |
| Derivatives | $0 | 930 |
| 2005-09-30 | Rank | |
| # of Employees: | 38 | 4,170 |
| Assets and Liabilities | ||
| Total Assets: | $240,130,000 | 2,524 |
| Cash and due from depository institutions | $9,174,000 | 4,170 |
| Interest-bearing balances | $437,000 | 3,589 |
| Securities | $31,865,000 | 3,379 |
| Federal funds sold & reverse repurchase agreements | $26,350,000 | 502 |
| Net loans & leases | $166,416,000 | 2,434 |
| Loan loss allowance | $1,991,000 | 2,374 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $3,636,000 | 2,933 |
| Other real estate owned | $402,000 | 4,170 |
| Goodwill and other intangibles | $0 | 3,310 |
| All other assets | $2,287,000 | 4,706 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $240,130,000 | 2,524 |
| Total liabilities | $221,093,000 | 2,477 |
| Total deposits | $220,193,000 | 2,240 |
| Interest-bearing deposits | $166,855,000 | 2,458 |
| Deposits held in domestic offices | $220,193,000 | 2,234 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,623 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $0 | 5,928 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $900,000 | 3,714 |
| Total equity capital | $19,037,000 | 3,105 |
| Total bank equity capital | $19,037,000 | 3,105 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $5,652,000 | 721 |
| Surplus | $7,228,000 | 2,841 |
| Undivided profits | $6,157,000 | 4,154 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,971,000 | 901 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $1,112,000 | 3,121 |
| Earning assets | $225,068,000 | 2,478 |
| Long-term assets (5+ years) | $23,668,000 | 2,982 |
| Average Assets, year-to-date | $225,738,500 | 2,600 |
| Average Assets, quarterly | $230,767,000 | 2,595 |
| Volatile liabilities | $78,526,000 | 1,633 |
| Insider loans | $4,456,000 | 1,441 |
| FHLB advances | $0 | 5,403 |
| Loans and leases held for sale | $0 | 1,843 |
| Unused loan commitments | $21,099,000 | 3,159 |
| Tier 1 (core) risk-based capital | $19,364,000 | 2,954 |
| Tier 2 risk-based capital | $1,991,000 | 2,276 |
| Total risk weighted assets | $172,040,000 | 2,436 |
| Total unused commitments | $21,099,000 | 3,161 |
| Derivatives | $0 | 909 |
| 2005-06-30 | Rank | |
| # of Employees: | 38 | 4,154 |
| Assets and Liabilities | ||
| Total Assets: | $221,404,000 | 2,668 |
| Cash and due from depository institutions | $7,000,000 | 4,154 |
| Interest-bearing balances | $433,000 | 3,522 |
| Securities | $32,523,000 | 3,384 |
| Federal funds sold & reverse repurchase agreements | $11,150,000 | 1,061 |
| Net loans & leases | $164,377,000 | 2,402 |
| Loan loss allowance | $1,948,000 | 2,398 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $3,674,000 | 2,852 |
| Other real estate owned | $396,000 | 4,154 |
| Goodwill and other intangibles | $0 | 3,307 |
| All other assets | $2,284,000 | 4,562 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $221,404,000 | 2,668 |
| Total liabilities | $203,136,000 | 2,616 |
| Total deposits | $202,425,000 | 2,370 |
| Interest-bearing deposits | $154,271,000 | 2,597 |
| Deposits held in domestic offices | $202,425,000 | 2,366 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,721 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,868 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $711,000 | 4,034 |
| Total equity capital | $18,268,000 | 3,162 |
| Total bank equity capital | $18,268,000 | 3,162 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $5,652,000 | 706 |
| Surplus | $7,228,000 | 2,792 |
| Undivided profits | $5,388,000 | 4,432 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,435,000 | 1,059 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $1,199,000 | 2,641 |
| Earning assets | $208,483,000 | 2,592 |
| Long-term assets (5+ years) | $21,764,000 | 3,191 |
| Average Assets, year-to-date | $220,941,330 | 2,621 |
| Average Assets, quarterly | $222,744,500 | 2,631 |
| Volatile liabilities | $73,051,000 | 1,676 |
| Insider loans | $4,036,000 | 1,587 |
| FHLB advances | $0 | 5,357 |
| Loans and leases held for sale | $0 | 1,818 |
| Unused loan commitments | $28,989,000 | 2,505 |
| Tier 1 (core) risk-based capital | $18,413,000 | 3,024 |
| Tier 2 risk-based capital | $1,948,000 | 2,286 |
| Total risk weighted assets | $167,061,000 | 2,443 |
| Total unused commitments | $28,989,000 | 2,506 |
| Derivatives | $0 | 866 |
| 2005-03-31 | Rank | |
| # of Employees: | 39 | 4,079 |
| Assets and Liabilities | ||
| Total Assets: | $224,085,000 | 2,630 |
| Cash and due from depository institutions | $5,827,000 | 4,079 |
| Interest-bearing balances | $430,000 | 3,560 |
| Securities | $32,524,000 | 3,412 |
| Federal funds sold & reverse repurchase agreements | $14,825,000 | 832 |
| Net loans & leases | $165,111,000 | 2,353 |
| Loan loss allowance | $1,827,000 | 2,506 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $3,717,000 | 2,783 |
| Other real estate owned | $0 | 4,079 |
| Goodwill and other intangibles | $0 | 3,297 |
| All other assets | $2,081,000 | 4,789 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $224,085,000 | 2,630 |
| Total liabilities | $206,837,000 | 2,550 |
| Total deposits | $205,970,000 | 2,324 |
| Interest-bearing deposits | $163,365,000 | 2,459 |
| Deposits held in domestic offices | $205,970,000 | 2,319 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,328 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,784 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $867,000 | 3,501 |
| Total equity capital | $17,248,000 | 3,249 |
| Total bank equity capital | $17,248,000 | 3,249 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $5,652,000 | 688 |
| Surplus | $7,228,000 | 2,746 |
| Undivided profits | $4,368,000 | 4,851 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,682,000 | 966 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $1,072,000 | 2,863 |
| Earning assets | $212,890,000 | 2,540 |
| Long-term assets (5+ years) | $22,911,000 | 3,164 |
| Average Assets, year-to-date | $220,710,000 | 2,632 |
| Average Assets, quarterly | $220,710,000 | 2,632 |
| Volatile liabilities | $71,452,000 | 1,630 |
| Insider loans | $5,129,000 | 1,208 |
| FHLB advances | $0 | 5,246 |
| Loans and leases held for sale | $0 | 1,762 |
| Unused loan commitments | $29,763,000 | 2,409 |
| Tier 1 (core) risk-based capital | $17,615,000 | 3,100 |
| Tier 2 risk-based capital | $1,827,000 | 2,377 |
| Total risk weighted assets | $167,494,000 | 2,404 |
| Total unused commitments | $29,763,000 | 2,414 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 39 | 4,100 |
| Assets and Liabilities | ||
| Total Assets: | $217,335,000 | 2,682 |
| Cash and due from depository institutions | $6,022,000 | 4,100 |
| Interest-bearing balances | $427,000 | 3,632 |
| Securities | $33,322,000 | 3,350 |
| Federal funds sold & reverse repurchase agreements | $19,400,000 | 588 |
| Net loans & leases | $152,571,000 | 2,497 |
| Loan loss allowance | $1,602,000 | 2,778 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $3,746,000 | 2,745 |
| Other real estate owned | $240,000 | 4,100 |
| Goodwill and other intangibles | $0 | 3,293 |
| All other assets | $2,034,000 | 4,809 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $217,335,000 | 2,682 |
| Total liabilities | $200,437,000 | 2,617 |
| Total deposits | $199,531,000 | 2,369 |
| Interest-bearing deposits | $158,590,000 | 2,500 |
| Deposits held in domestic offices | $199,531,000 | 2,364 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,470 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $0 | 5,836 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $906,000 | 3,330 |
| Total equity capital | $16,898,000 | 3,302 |
| Total bank equity capital | $16,898,000 | 3,302 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $5,652,000 | 670 |
| Surplus | $7,228,000 | 2,702 |
| Undivided profits | $4,018,000 | 5,144 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $550,000 | 3,606 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $1,154,000 | 2,639 |
| Earning assets | $205,720,000 | 2,611 |
| Long-term assets (5+ years) | $26,316,000 | 2,953 |
| Average Assets, year-to-date | $206,983,200 | 2,692 |
| Average Assets, quarterly | $215,874,000 | 2,675 |
| Volatile liabilities | $70,984,000 | 1,606 |
| Insider loans | $3,798,000 | 1,613 |
| FHLB advances | $0 | 5,260 |
| Loans and leases held for sale | $0 | 1,753 |
| Unused loan commitments | $23,943,000 | 2,675 |
| Tier 1 (core) risk-based capital | $16,928,000 | 3,167 |
| Tier 2 risk-based capital | $1,602,000 | 2,619 |
| Total risk weighted assets | $156,687,000 | 2,540 |
| Total unused commitments | $23,943,000 | 2,677 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 39 | 4,087 |
| Assets and Liabilities | ||
| Total Assets: | $214,413,000 | 2,675 |
| Cash and due from depository institutions | $8,181,000 | 4,087 |
| Interest-bearing balances | $425,000 | 3,667 |
| Securities | $31,376,000 | 3,499 |
| Federal funds sold & reverse repurchase agreements | $24,850,000 | 454 |
| Net loans & leases | $144,337,000 | 2,589 |
| Loan loss allowance | $1,581,000 | 2,819 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $3,696,000 | 2,730 |
| Other real estate owned | $240,000 | 4,087 |
| Goodwill and other intangibles | $0 | 3,268 |
| All other assets | $1,733,000 | 5,196 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $214,413,000 | 2,675 |
| Total liabilities | $198,160,000 | 2,600 |
| Total deposits | $197,398,000 | 2,371 |
| Interest-bearing deposits | $156,730,000 | 2,514 |
| Deposits held in domestic offices | $197,398,000 | 2,366 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,678 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $0 | 5,863 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $762,000 | 3,830 |
| Total equity capital | $16,253,000 | 3,397 |
| Total bank equity capital | $16,253,000 | 3,397 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $5,652,000 | 661 |
| Surplus | $7,228,000 | 2,673 |
| Undivided profits | $3,373,000 | 5,573 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $291,000 | 5,024 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $915,000 | 3,417 |
| Earning assets | $200,988,000 | 2,626 |
| Long-term assets (5+ years) | $27,147,000 | 2,933 |
| Average Assets, year-to-date | $204,395,250 | 2,709 |
| Average Assets, quarterly | $210,542,000 | 2,692 |
| Volatile liabilities | $66,199,000 | 1,658 |
| Insider loans | $3,110,000 | 1,889 |
| FHLB advances | $0 | 5,299 |
| Loans and leases held for sale | $0 | 1,808 |
| Unused loan commitments | $23,418,000 | 2,697 |
| Tier 1 (core) risk-based capital | $16,203,000 | 3,266 |
| Tier 2 risk-based capital | $1,581,000 | 2,617 |
| Total risk weighted assets | $149,748,000 | 2,603 |
| Total unused commitments | $23,418,000 | 2,701 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 39 | 4,127 |
| Assets and Liabilities | ||
| Total Assets: | $206,671,000 | 2,743 |
| Cash and due from depository institutions | $7,238,000 | 4,127 |
| Interest-bearing balances | $423,000 | 3,737 |
| Securities | $31,519,000 | 3,543 |
| Federal funds sold & reverse repurchase agreements | $18,850,000 | 562 |
| Net loans & leases | $142,980,000 | 2,557 |
| Loan loss allowance | $1,486,000 | 2,961 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $3,709,000 | 2,675 |
| Other real estate owned | $240,000 | 4,127 |
| Goodwill and other intangibles | $0 | 3,275 |
| All other assets | $2,135,000 | 4,653 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $206,671,000 | 2,743 |
| Total liabilities | $191,570,000 | 2,662 |
| Total deposits | $190,973,000 | 2,416 |
| Interest-bearing deposits | $153,788,000 | 2,522 |
| Deposits held in domestic offices | $190,973,000 | 2,411 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,750 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,862 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $597,000 | 4,131 |
| Total equity capital | $15,101,000 | 3,506 |
| Total bank equity capital | $15,101,000 | 3,506 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $5,652,000 | 646 |
| Surplus | $7,228,000 | 2,631 |
| Undivided profits | $2,221,000 | 6,236 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $552,000 | 3,791 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $1,094,000 | 2,686 |
| Earning assets | $193,772,000 | 2,683 |
| Long-term assets (5+ years) | $31,376,000 | 2,746 |
| Average Assets, year-to-date | $201,056,000 | 2,751 |
| Average Assets, quarterly | $202,980,000 | 2,755 |
| Volatile liabilities | $63,982,000 | 1,663 |
| Insider loans | $3,615,000 | 1,601 |
| FHLB advances | $0 | 5,298 |
| Loans and leases held for sale | $0 | 1,820 |
| Unused loan commitments | $20,436,000 | 2,961 |
| Tier 1 (core) risk-based capital | $15,525,000 | 3,367 |
| Tier 2 risk-based capital | $1,486,000 | 2,729 |
| Total risk weighted assets | $148,709,000 | 2,576 |
| Total unused commitments | $20,436,000 | 2,964 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 38 | 4,210 |
| Assets and Liabilities | ||
| Total Assets: | $199,289,000 | 2,797 |
| Cash and due from depository institutions | $8,983,000 | 4,210 |
| Interest-bearing balances | $522,000 | 3,714 |
| Securities | $28,281,000 | 3,829 |
| Federal funds sold & reverse repurchase agreements | $21,325,000 | 655 |
| Net loans & leases | $135,345,000 | 2,620 |
| Loan loss allowance | $1,348,000 | 3,169 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $3,725,000 | 2,626 |
| Other real estate owned | $192,000 | 4,210 |
| Goodwill and other intangibles | $0 | 3,256 |
| All other assets | $1,438,000 | 5,495 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $199,289,000 | 2,797 |
| Total liabilities | $184,266,000 | 2,712 |
| Total deposits | $183,625,000 | 2,469 |
| Interest-bearing deposits | $147,624,000 | 2,614 |
| Deposits held in domestic offices | $183,625,000 | 2,464 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,174 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $0 | 5,747 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $641,000 | 4,270 |
| Total equity capital | $15,023,000 | 3,593 |
| Total bank equity capital | $15,023,000 | 3,593 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $5,652,000 | 638 |
| Surplus | $7,228,000 | 2,603 |
| Undivided profits | $2,143,000 | 6,481 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $799,000 | 3,129 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $900,000 | 3,184 |
| Earning assets | $185,473,000 | 2,765 |
| Long-term assets (5+ years) | $27,513,000 | 2,949 |
| Average Assets, year-to-date | $198,248,500 | 2,784 |
| Average Assets, quarterly | $198,248,500 | 2,784 |
| Volatile liabilities | $61,693,000 | 1,631 |
| Insider loans | $3,292,000 | 1,729 |
| FHLB advances | $0 | 5,150 |
| Loans and leases held for sale | $0 | 1,884 |
| Unused loan commitments | $19,760,000 | 2,958 |
| Tier 1 (core) risk-based capital | $14,897,000 | 3,440 |
| Tier 2 risk-based capital | $1,348,000 | 2,928 |
| Total risk weighted assets | $141,850,000 | 2,627 |
| Total unused commitments | $19,760,000 | 2,965 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 37 | 4,299 |
| Assets and Liabilities | ||
| Total Assets: | $197,208,000 | 2,809 |
| Cash and due from depository institutions | $6,490,000 | 4,299 |
| Interest-bearing balances | $520,000 | 3,595 |
| Securities | $25,657,000 | 4,138 |
| Federal funds sold & reverse repurchase agreements | $27,625,000 | 408 |
| Net loans & leases | $132,112,000 | 2,643 |
| Loan loss allowance | $1,094,000 | 3,716 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $3,646,000 | 2,677 |
| Other real estate owned | $0 | 4,299 |
| Goodwill and other intangibles | $0 | 3,237 |
| All other assets | $1,678,000 | 5,121 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $197,208,000 | 2,809 |
| Total liabilities | $182,788,000 | 2,733 |
| Total deposits | $182,460,000 | 2,483 |
| Interest-bearing deposits | $140,077,000 | 2,720 |
| Deposits held in domestic offices | $182,460,000 | 2,479 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,433 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $0 | 5,772 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $328,000 | 5,851 |
| Total equity capital | $14,420,000 | 3,665 |
| Total bank equity capital | $14,420,000 | 3,665 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $4,440,000 | 874 |
| Surplus | $4,440,000 | 3,686 |
| Undivided profits | $5,540,000 | 4,374 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $393,000 | 4,600 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $973,000 | 3,071 |
| Earning assets | $185,914,000 | 2,731 |
| Long-term assets (5+ years) | $20,871,000 | 3,517 |
| Average Assets, year-to-date | $184,833,400 | 2,864 |
| Average Assets, quarterly | $192,221,000 | 2,837 |
| Volatile liabilities | $59,070,000 | 1,698 |
| Insider loans | $2,510,000 | 2,177 |
| FHLB advances | $0 | 5,171 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $18,720,000 | 2,968 |
| Tier 1 (core) risk-based capital | $14,359,000 | 3,526 |
| Tier 2 risk-based capital | $1,094,000 | 3,442 |
| Total risk weighted assets | $137,997,000 | 2,654 |
| Total unused commitments | $18,720,000 | 2,970 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 36 | 4,409 |
| Assets and Liabilities | ||
| Total Assets: | $187,234,000 | 2,921 |
| Cash and due from depository institutions | $7,675,000 | 4,409 |
| Interest-bearing balances | $419,000 | 3,986 |
| Securities | $23,500,000 | 4,316 |
| Federal funds sold & reverse repurchase agreements | $21,025,000 | 684 |
| Net loans & leases | $130,293,000 | 2,666 |
| Loan loss allowance | $1,143,000 | 3,587 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $3,212,000 | 2,955 |
| Other real estate owned | $15,000 | 4,409 |
| Goodwill and other intangibles | $0 | 3,226 |
| All other assets | $1,514,000 | 5,416 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $187,234,000 | 2,921 |
| Total liabilities | $173,316,000 | 2,854 |
| Total deposits | $172,880,000 | 2,604 |
| Interest-bearing deposits | $133,775,000 | 2,848 |
| Deposits held in domestic offices | $172,880,000 | 2,600 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,347 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $0 | 5,773 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $436,000 | 5,416 |
| Total equity capital | $13,918,000 | 3,770 |
| Total bank equity capital | $13,918,000 | 3,770 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $4,440,000 | 861 |
| Surplus | $4,440,000 | 3,611 |
| Undivided profits | $5,038,000 | 4,636 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,090,000 | 2,695 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $777,000 | 3,962 |
| Earning assets | $175,237,000 | 2,864 |
| Long-term assets (5+ years) | $20,995,000 | 3,510 |
| Average Assets, year-to-date | $181,739,750 | 2,923 |
| Average Assets, quarterly | $187,597,000 | 2,893 |
| Volatile liabilities | $56,290,000 | 1,721 |
| Insider loans | $2,497,000 | 2,161 |
| FHLB advances | $0 | 5,135 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $19,530,000 | 2,883 |
| Tier 1 (core) risk-based capital | $13,869,000 | 3,610 |
| Tier 2 risk-based capital | $1,143,000 | 3,305 |
| Total risk weighted assets | $134,465,000 | 2,712 |
| Total unused commitments | $19,530,000 | 2,885 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 36 | 4,424 |
| Assets and Liabilities | ||
| Total Assets: | $187,960,000 | 2,890 |
| Cash and due from depository institutions | $14,251,000 | 4,424 |
| Interest-bearing balances | $2,559,000 | 2,223 |
| Securities | $14,086,000 | 5,657 |
| Federal funds sold & reverse repurchase agreements | $25,750,000 | 607 |
| Net loans & leases | $129,707,000 | 2,648 |
| Loan loss allowance | $1,125,000 | 3,574 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $2,881,000 | 3,193 |
| Other real estate owned | $0 | 4,424 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $1,285,000 | 5,749 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $187,960,000 | 2,890 |
| Total liabilities | $174,381,000 | 2,806 |
| Total deposits | $173,891,000 | 2,568 |
| Interest-bearing deposits | $127,897,000 | 2,934 |
| Deposits held in domestic offices | $173,891,000 | 2,563 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,266 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $0 | 5,772 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $490,000 | 5,144 |
| Total equity capital | $13,579,000 | 3,840 |
| Total bank equity capital | $13,579,000 | 3,840 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $4,440,000 | 856 |
| Surplus | $4,440,000 | 3,579 |
| Undivided profits | $4,699,000 | 4,849 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $284,000 | 5,472 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $782,000 | 3,778 |
| Earning assets | $172,102,000 | 2,877 |
| Long-term assets (5+ years) | $14,390,000 | 4,175 |
| Average Assets, year-to-date | $179,908,330 | 2,953 |
| Average Assets, quarterly | $182,026,500 | 2,952 |
| Volatile liabilities | $53,171,000 | 1,784 |
| Insider loans | $2,937,000 | 1,867 |
| FHLB advances | $0 | 5,105 |
| Loans and leases held for sale | $0 | 2,044 |
| Unused loan commitments | $19,908,000 | 2,814 |
| Tier 1 (core) risk-based capital | $13,388,000 | 3,659 |
| Tier 2 risk-based capital | $1,125,000 | 3,295 |
| Total risk weighted assets | $133,582,000 | 2,688 |
| Total unused commitments | $19,908,000 | 2,822 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 34 | 4,607 |
| Assets and Liabilities | ||
| Total Assets: | $176,093,000 | 3,027 |
| Cash and due from depository institutions | $9,259,000 | 4,607 |
| Interest-bearing balances | $2,562,000 | 2,237 |
| Securities | $15,119,000 | 5,473 |
| Federal funds sold & reverse repurchase agreements | $25,750,000 | 620 |
| Net loans & leases | $121,834,000 | 2,744 |
| Loan loss allowance | $1,077,000 | 3,631 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $2,916,000 | 3,134 |
| Other real estate owned | $0 | 4,607 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $1,215,000 | 5,871 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $176,093,000 | 3,027 |
| Total liabilities | $163,059,000 | 2,959 |
| Total deposits | $162,455,000 | 2,722 |
| Interest-bearing deposits | $122,958,000 | 3,023 |
| Deposits held in domestic offices | $162,455,000 | 2,719 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,057 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $0 | 5,712 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $604,000 | 4,614 |
| Total equity capital | $13,034,000 | 3,900 |
| Total bank equity capital | $13,034,000 | 3,900 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $4,440,000 | 848 |
| Surplus | $4,440,000 | 3,539 |
| Undivided profits | $4,154,000 | 5,078 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $440,000 | 4,595 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $778,000 | 3,818 |
| Earning assets | $165,265,000 | 2,948 |
| Long-term assets (5+ years) | $14,979,000 | 3,988 |
| Average Assets, year-to-date | $175,882,500 | 2,999 |
| Average Assets, quarterly | $175,882,500 | 2,999 |
| Volatile liabilities | $49,710,000 | 1,858 |
| Insider loans | $2,829,000 | 1,904 |
| FHLB advances | $0 | 5,057 |
| Loans and leases held for sale | $0 | 1,961 |
| Unused loan commitments | $22,399,000 | 2,510 |
| Tier 1 (core) risk-based capital | $12,840,000 | 3,738 |
| Tier 2 risk-based capital | $1,077,000 | 3,346 |
| Total risk weighted assets | $126,683,000 | 2,792 |
| Total unused commitments | $22,399,000 | 2,518 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 33 | 4,697 |
| Assets and Liabilities | ||
| Total Assets: | $175,672,000 | 2,988 |
| Cash and due from depository institutions | $6,965,000 | 4,697 |
| Interest-bearing balances | $560,000 | 3,653 |
| Securities | $13,759,000 | 5,690 |
| Federal funds sold & reverse repurchase agreements | $28,550,000 | 491 |
| Net loans & leases | $122,233,000 | 2,704 |
| Loan loss allowance | $1,105,000 | 3,499 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $2,924,000 | 3,098 |
| Other real estate owned | $0 | 4,697 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $1,241,000 | 5,869 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $175,672,000 | 2,988 |
| Total liabilities | $163,087,000 | 2,899 |
| Total deposits | $162,266,000 | 2,667 |
| Interest-bearing deposits | $121,082,000 | 2,999 |
| Deposits held in domestic offices | $162,266,000 | 2,664 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,222 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $0 | 5,759 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $821,000 | 3,869 |
| Total equity capital | $12,585,000 | 3,959 |
| Total bank equity capital | $12,585,000 | 3,959 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $4,440,000 | 841 |
| Surplus | $4,440,000 | 3,500 |
| Undivided profits | $3,705,000 | 5,359 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $62,000 | 7,274 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $783,000 | 3,962 |
| Earning assets | $165,102,000 | 2,895 |
| Long-term assets (5+ years) | $12,148,000 | 4,411 |
| Average Assets, year-to-date | $160,006,600 | 3,098 |
| Average Assets, quarterly | $171,272,000 | 3,034 |
| Volatile liabilities | $49,086,000 | 1,866 |
| Insider loans | $7,512,000 | 662 |
| FHLB advances | $0 | 5,074 |
| Loans and leases held for sale | $0 | 1,889 |
| Unused loan commitments | $21,394,000 | 2,523 |
| Tier 1 (core) risk-based capital | $12,370,000 | 3,798 |
| Tier 2 risk-based capital | $1,105,000 | 3,242 |
| Total risk weighted assets | $126,172,000 | 2,753 |
| Total unused commitments | $21,394,000 | 2,528 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 32 | 4,798 |
| Assets and Liabilities | ||
| Total Assets: | $150,824,000 | 3,251 |
| Cash and due from depository institutions | $6,586,000 | 4,798 |
| Interest-bearing balances | $604,000 | 3,480 |
| Securities | $14,293,000 | 5,517 |
| Federal funds sold & reverse repurchase agreements | $22,300,000 | 633 |
| Net loans & leases | $103,449,000 | 3,057 |
| Loan loss allowance | $936,000 | 3,769 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $3,024,000 | 2,947 |
| Other real estate owned | $0 | 4,798 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $1,172,000 | 6,131 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $150,824,000 | 3,251 |
| Total liabilities | $140,159,000 | 3,153 |
| Total deposits | $139,559,000 | 2,912 |
| Interest-bearing deposits | $105,622,000 | 3,259 |
| Deposits held in domestic offices | $139,559,000 | 2,906 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,416 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,675 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $600,000 | 4,882 |
| Total equity capital | $10,665,000 | 4,274 |
| Total bank equity capital | $10,665,000 | 4,274 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $4,440,000 | 844 |
| Surplus | $4,440,000 | 3,409 |
| Undivided profits | $1,785,000 | 6,762 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $181,000 | 6,139 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $709,000 | 4,641 |
| Earning assets | $140,646,000 | 3,186 |
| Long-term assets (5+ years) | $8,383,000 | 5,170 |
| Average Assets, year-to-date | $133,100,600 | 3,461 |
| Average Assets, quarterly | $146,362,500 | 3,306 |
| Volatile liabilities | $44,237,000 | 1,967 |
| Insider loans | $6,999,000 | 661 |
| FHLB advances | $0 | 4,938 |
| Loans and leases held for sale | $0 | 1,749 |
| Unused loan commitments | $20,191,000 | 2,476 |
| Tier 1 (core) risk-based capital | $10,583,000 | 4,153 |
| Tier 2 risk-based capital | $936,000 | 3,534 |
| Total risk weighted assets | $109,548,000 | 2,990 |
| Total unused commitments | $20,191,000 | 2,484 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 29 | 5,222 |
| Assets and Liabilities | ||
| Total Assets: | $115,039,000 | 3,967 |
| Cash and due from depository institutions | $7,656,000 | 5,222 |
| Interest-bearing balances | $2,049,000 | 1,666 |
| Securities | $11,030,000 | 6,486 |
| Federal funds sold & reverse repurchase agreements | $13,225,000 | 915 |
| Net loans & leases | $79,473,000 | 3,713 |
| Loan loss allowance | $629,000 | 4,943 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $2,758,000 | 3,127 |
| Other real estate owned | $0 | 5,222 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $897,000 | 6,467 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $115,039,000 | 3,967 |
| Total liabilities | $105,521,000 | 3,892 |
| Total deposits | $104,668,000 | 3,636 |
| Interest-bearing deposits | $77,365,000 | 4,126 |
| Deposits held in domestic offices | $104,668,000 | 3,632 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,755 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $0 | 5,732 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $853,000 | 4,046 |
| Total equity capital | $9,518,000 | 4,576 |
| Total bank equity capital | $9,518,000 | 4,576 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $4,440,000 | 841 |
| Surplus | $4,440,000 | 3,340 |
| Undivided profits | $638,000 | 8,156 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $28,000 | 7,886 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $512,000 | 5,036 |
| Earning assets | $105,777,000 | 3,967 |
| Long-term assets (5+ years) | $8,329,000 | 4,969 |
| Average Assets, year-to-date | $87,762,600 | 4,728 |
| Average Assets, quarterly | $109,230,000 | 4,106 |
| Volatile liabilities | $30,501,000 | 2,631 |
| Insider loans | $5,617,000 | 836 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $13,370,000 | 3,122 |
| Tier 1 (core) risk-based capital | $9,433,000 | 4,498 |
| Tier 2 risk-based capital | $629,000 | 4,658 |
| Total risk weighted assets | $86,201,500 | 3,529 |
| Total unused commitments | $13,370,000 | 3,123 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 22 | 6,389 |
| Assets and Liabilities | ||
| Total Assets: | $62,327,000 | 6,103 |
| Cash and due from depository institutions | $3,956,000 | 6,389 |
| Interest-bearing balances | $0 | 6,854 |
| Securities | $3,298,000 | 9,238 |
| Federal funds sold & reverse repurchase agreements | $13,100,000 | 743 |
| Net loans & leases | $39,778,000 | 5,849 |
| Loan loss allowance | $168,000 | 8,777 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,785,000 | 4,328 |
| Other real estate owned | $0 | 6,389 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $410,000 | 8,746 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $62,327,000 | 6,103 |
| Total liabilities | $53,648,000 | 6,253 |
| Total deposits | $53,541,000 | 5,993 |
| Interest-bearing deposits | $35,983,000 | 6,875 |
| Deposits held in domestic offices | $53,541,000 | 5,990 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,751 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $107,000 | 9,297 |
| Total equity capital | $8,679,000 | 4,765 |
| Total bank equity capital | $8,679,000 | 4,765 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $4,440,000 | 858 |
| Surplus | $4,440,000 | 3,307 |
| Undivided profits | $-201,000 | 9,385 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 9,001 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $234,000 | 7,341 |
| Earning assets | $56,176,000 | 6,142 |
| Long-term assets (5+ years) | $1,312,000 | 8,092 |
| Average Assets, year-to-date | $46,679,000 | 7,003 |
| Average Assets, quarterly | $55,297,500 | 6,494 |
| Volatile liabilities | $8,342,000 | 5,915 |
| Insider loans | $3,520,000 | 1,351 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $8,243,000 | 4,219 |
| Tier 1 (core) risk-based capital | $8,692,000 | 4,776 |
| Tier 2 risk-based capital | $168,000 | 8,556 |
| Total risk weighted assets | $43,680,900 | 5,699 |
| Total unused commitments | $8,243,000 | 4,224 |
| Derivatives | $0 | 488 |