Home > ANB Financial > Assets and Liabilities
ANB Financial, Assets and Liabilities
| 2008-03-31 | Rank | |
| # of Employees: | 283 | 537 |
| Assets and Liabilities | ||
| Total Assets: | $1,895,545,000 | 385 |
| Cash and due from depository institutions | $45,552,000 | 537 |
| Interest-bearing balances | $36,578,000 | 199 |
| Securities | $48,579,000 | 2,365 |
| Federal funds sold & reverse repurchase agreements | $127,230,000 | 163 |
| Net loans & leases | $1,577,198,000 | 341 |
| Loan loss allowance | $100,933,000 | 94 |
| Trading account assets | $0 | 252 |
| Bank premises and fixed assets | $25,914,000 | 422 |
| Other real estate owned | $37,664,000 | 537 |
| Goodwill and other intangibles | $417,000 | 2,231 |
| All other assets | $32,991,000 | 619 |
| Life insurance assets | $0 | 4,038 |
| Total liabilities and capital | $1,895,545,000 | 385 |
| Total liabilities | $1,857,943,000 | 357 |
| Total deposits | $1,815,691,000 | 298 |
| Interest-bearing deposits | $1,799,078,000 | 263 |
| Deposits held in domestic offices | $1,815,691,000 | 296 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $712,000 | 2,716 |
| Trading liabilities | $0 | 86 |
| Other borrowed funds | $32,940,000 | 1,450 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $8,600,000 | 793 |
| Total equity capital | $37,602,000 | 1,877 |
| Total bank equity capital | $37,602,000 | 1,877 |
| Perpetual preferred stock | $0 | 108 |
| Common stock | $226,000 | 5,388 |
| Surplus | $141,299,000 | 288 |
| Undivided profits | $-103,923,000 | 8,484 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $614,695,000 | 33 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $4,060,000 | 73 |
| Income earned, not collected on loans | $14,437,000 | 259 |
| Earning assets | $1,789,585,000 | 373 |
| Long-term assets (5+ years) | $9,337,000 | 5,321 |
| Average Assets, year-to-date | $1,919,660,500 | 381 |
| Average Assets, quarterly | $1,919,660,500 | 381 |
| Volatile liabilities | $49,517,000 | 2,643 |
| Insider loans | $4,000,000 | 1,896 |
| FHLB advances | $32,940,000 | 1,375 |
| Loans and leases held for sale | $2,344,000 | 617 |
| Unused loan commitments | $159,232,000 | 694 |
| Tier 1 (core) risk-based capital | $37,075,000 | 1,757 |
| Tier 2 risk-based capital | $22,156,000 | 313 |
| Total risk weighted assets | $1,690,032,000 | 347 |
| Total unused commitments | $159,232,000 | 694 |
| Derivatives | $32,552,000 | 316 |
| 2007-12-31 | Rank | |
| # of Employees: | 198 | 822 |
| Assets and Liabilities | ||
| Total Assets: | $1,943,776,000 | 382 |
| Cash and due from depository institutions | $10,985,000 | 822 |
| Interest-bearing balances | $348,000 | 3,510 |
| Securities | $228,855,000 | 540 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,130 |
| Net loans & leases | $1,622,336,000 | 332 |
| Loan loss allowance | $102,880,000 | 87 |
| Trading account assets | $0 | 237 |
| Bank premises and fixed assets | $24,926,000 | 432 |
| Other real estate owned | $26,783,000 | 822 |
| Goodwill and other intangibles | $417,000 | 2,232 |
| All other assets | $29,474,000 | 682 |
| Life insurance assets | $0 | 4,052 |
| Total liabilities and capital | $1,943,776,000 | 382 |
| Total liabilities | $1,907,881,000 | 345 |
| Total deposits | $1,859,535,000 | 288 |
| Interest-bearing deposits | $1,842,894,000 | 253 |
| Deposits held in domestic offices | $1,859,535,000 | 286 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $6,540,000 | 1,578 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $32,969,000 | 1,362 |
| Subordinated debt | $0 | 248 |
| All other liabilities | $8,837,000 | 762 |
| Total equity capital | $35,895,000 | 1,951 |
| Total bank equity capital | $35,895,000 | 1,951 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $226,000 | 5,424 |
| Surplus | $140,311,000 | 289 |
| Undivided profits | $-104,642,000 | 8,531 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $611,527,000 | 26 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $4,733,000 | 65 |
| Income earned, not collected on loans | $10,211,000 | 379 |
| Earning assets | $1,851,539,000 | 361 |
| Long-term assets (5+ years) | $16,750,000 | 4,000 |
| Average Assets, year-to-date | $1,847,533,800 | 386 |
| Average Assets, quarterly | $1,936,114,000 | 375 |
| Volatile liabilities | $46,065,000 | 2,796 |
| Insider loans | $4,029,000 | 1,858 |
| FHLB advances | $32,969,000 | 1,285 |
| Loans and leases held for sale | $1,353,000 | 798 |
| Unused loan commitments | $269,307,000 | 493 |
| Tier 1 (core) risk-based capital | $35,397,000 | 1,846 |
| Tier 2 risk-based capital | $22,215,000 | 301 |
| Total risk weighted assets | $1,693,296,000 | 346 |
| Total unused commitments | $269,307,000 | 493 |
| Derivatives | $30,062,000 | 300 |
| 2007-09-30 | Rank | |
| # of Employees: | 197 | 825 |
| Assets and Liabilities | ||
| Total Assets: | $1,928,452,000 | 378 |
| Cash and due from depository institutions | $10,787,000 | 825 |
| Interest-bearing balances | $1,306,000 | 2,161 |
| Securities | $88,885,000 | 1,340 |
| Federal funds sold & reverse repurchase agreements | $6,660,000 | 2,083 |
| Net loans & leases | $1,733,380,000 | 306 |
| Loan loss allowance | $44,871,000 | 150 |
| Trading account assets | $0 | 244 |
| Bank premises and fixed assets | $23,114,000 | 457 |
| Other real estate owned | $22,570,000 | 825 |
| Goodwill and other intangibles | $417,000 | 2,227 |
| All other assets | $42,639,000 | 490 |
| Life insurance assets | $0 | 4,026 |
| Total liabilities and capital | $1,928,452,000 | 378 |
| Total liabilities | $1,750,182,000 | 370 |
| Total deposits | $1,712,086,000 | 315 |
| Interest-bearing deposits | $1,692,439,000 | 269 |
| Deposits held in domestic offices | $1,712,086,000 | 314 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,436 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $32,998,000 | 1,264 |
| Subordinated debt | $0 | 244 |
| All other liabilities | $5,098,000 | 1,161 |
| Total equity capital | $178,270,000 | 421 |
| Total bank equity capital | $178,270,000 | 421 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $226,000 | 5,434 |
| Surplus | $140,311,000 | 283 |
| Undivided profits | $37,733,000 | 1,000 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $71,868,000 | 106 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,466,000 | 150 |
| Income earned, not collected on loans | $17,518,000 | 252 |
| Earning assets | $1,830,231,000 | 361 |
| Long-term assets (5+ years) | $36,415,000 | 2,424 |
| Average Assets, year-to-date | $1,823,473,250 | 391 |
| Average Assets, quarterly | $1,939,497,500 | 367 |
| Volatile liabilities | $44,234,000 | 2,847 |
| Insider loans | $4,120,000 | 1,786 |
| FHLB advances | $32,998,000 | 1,188 |
| Loans and leases held for sale | $1,673,000 | 670 |
| Unused loan commitments | $400,372,000 | 373 |
| Tier 1 (core) risk-based capital | $178,114,000 | 376 |
| Tier 2 risk-based capital | $23,220,000 | 284 |
| Total risk weighted assets | $1,835,396,000 | 320 |
| Total unused commitments | $400,372,000 | 373 |
| Derivatives | $32,140,000 | 300 |
| 2007-06-30 | Rank | |
| # of Employees: | 185 | 913 |
| Assets and Liabilities | ||
| Total Assets: | $1,950,543,000 | 375 |
| Cash and due from depository institutions | $11,472,000 | 913 |
| Interest-bearing balances | $2,332,000 | 1,665 |
| Securities | $48,971,000 | 2,333 |
| Federal funds sold & reverse repurchase agreements | $103,620,000 | 185 |
| Net loans & leases | $1,714,938,000 | 312 |
| Loan loss allowance | $31,088,000 | 201 |
| Trading account assets | $0 | 245 |
| Bank premises and fixed assets | $23,251,000 | 453 |
| Other real estate owned | $12,666,000 | 913 |
| Goodwill and other intangibles | $417,000 | 2,244 |
| All other assets | $35,208,000 | 573 |
| Life insurance assets | $0 | 4,058 |
| Total liabilities and capital | $1,950,543,000 | 375 |
| Total liabilities | $1,782,561,000 | 368 |
| Total deposits | $1,742,351,000 | 315 |
| Interest-bearing deposits | $1,720,466,000 | 273 |
| Deposits held in domestic offices | $1,742,351,000 | 313 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,401 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $33,026,000 | 1,194 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $7,184,000 | 859 |
| Total equity capital | $167,982,000 | 449 |
| Total bank equity capital | $167,982,000 | 449 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $226,000 | 5,467 |
| Surplus | $129,111,000 | 311 |
| Undivided profits | $38,645,000 | 954 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $60,330,000 | 104 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,360,000 | 157 |
| Income earned, not collected on loans | $16,000,000 | 267 |
| Earning assets | $1,869,861,000 | 359 |
| Long-term assets (5+ years) | $41,493,000 | 2,159 |
| Average Assets, year-to-date | $1,788,480,330 | 406 |
| Average Assets, quarterly | $1,859,764,000 | 394 |
| Volatile liabilities | $1,517,432,000 | 168 |
| Insider loans | $4,137,000 | 1,771 |
| FHLB advances | $33,026,000 | 1,113 |
| Loans and leases held for sale | $9,189,000 | 280 |
| Unused loan commitments | $482,931,000 | 348 |
| Tier 1 (core) risk-based capital | $168,477,000 | 402 |
| Tier 2 risk-based capital | $22,867,000 | 298 |
| Total risk weighted assets | $1,820,603,000 | 328 |
| Total unused commitments | $482,931,000 | 349 |
| Derivatives | $36,868,000 | 320 |
| 2007-03-31 | Rank | |
| # of Employees: | 190 | 874 |
| Assets and Liabilities | ||
| Total Assets: | $1,768,985,000 | 415 |
| Cash and due from depository institutions | $20,209,000 | 874 |
| Interest-bearing balances | $7,339,000 | 857 |
| Securities | $50,665,000 | 2,290 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,772 |
| Net loans & leases | $1,628,988,000 | 322 |
| Loan loss allowance | $29,516,000 | 206 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $22,838,000 | 453 |
| Other real estate owned | $6,166,000 | 874 |
| Goodwill and other intangibles | $417,000 | 2,240 |
| All other assets | $39,702,000 | 505 |
| Life insurance assets | $0 | 4,074 |
| Total liabilities and capital | $1,768,985,000 | 415 |
| Total liabilities | $1,610,827,000 | 405 |
| Total deposits | $1,571,866,000 | 346 |
| Interest-bearing deposits | $1,548,273,000 | 298 |
| Deposits held in domestic offices | $1,571,866,000 | 343 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,056 |
| Trading liabilities | $0 | 89 |
| Other borrowed funds | $33,054,000 | 1,165 |
| Subordinated debt | $0 | 262 |
| All other liabilities | $5,907,000 | 1,009 |
| Total equity capital | $158,158,000 | 462 |
| Total bank equity capital | $158,158,000 | 462 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $226,000 | 5,482 |
| Surplus | $126,611,000 | 305 |
| Undivided profits | $31,321,000 | 1,190 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $62,724,000 | 85 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $3,402,000 | 70 |
| Income earned, not collected on loans | $13,696,000 | 294 |
| Earning assets | $1,686,992,000 | 388 |
| Long-term assets (5+ years) | $39,126,000 | 2,241 |
| Average Assets, year-to-date | $1,707,449,000 | 419 |
| Average Assets, quarterly | $1,707,449,000 | 419 |
| Volatile liabilities | $1,364,165,000 | 174 |
| Insider loans | $5,551,000 | 1,300 |
| FHLB advances | $33,054,000 | 1,094 |
| Loans and leases held for sale | $4,203,000 | 439 |
| Unused loan commitments | $453,380,000 | 354 |
| Tier 1 (core) risk-based capital | $158,071,000 | 416 |
| Tier 2 risk-based capital | $21,288,000 | 306 |
| Total risk weighted assets | $1,694,180,000 | 343 |
| Total unused commitments | $453,380,000 | 354 |
| Derivatives | $46,707,000 | 291 |
| 2006-12-31 | Rank | |
| # of Employees: | 164 | 1,031 |
| Assets and Liabilities | ||
| Total Assets: | $1,645,913,000 | 428 |
| Cash and due from depository institutions | $12,923,000 | 1,031 |
| Interest-bearing balances | $777,000 | 2,742 |
| Securities | $51,672,000 | 2,257 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,403 |
| Net loans & leases | $1,521,479,000 | 333 |
| Loan loss allowance | $19,384,000 | 292 |
| Trading account assets | $0 | 156 |
| Bank premises and fixed assets | $22,707,000 | 443 |
| Other real estate owned | $3,581,000 | 1,031 |
| Goodwill and other intangibles | $417,000 | 2,237 |
| All other assets | $33,134,000 | 586 |
| Life insurance assets | $0 | 4,082 |
| Total liabilities and capital | $1,645,913,000 | 428 |
| Total liabilities | $1,506,236,000 | 420 |
| Total deposits | $1,213,248,000 | 429 |
| Interest-bearing deposits | $1,190,588,000 | 381 |
| Deposits held in domestic offices | $1,213,248,000 | 428 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,000,000 | 1,781 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $278,888,000 | 228 |
| Subordinated debt | $0 | 264 |
| All other liabilities | $10,100,000 | 677 |
| Total equity capital | $139,677,000 | 492 |
| Total bank equity capital | $139,677,000 | 492 |
| Perpetual preferred stock | $0 | 112 |
| Common stock | $226,000 | 5,505 |
| Surplus | $110,811,000 | 322 |
| Undivided profits | $28,640,000 | 1,294 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $39,640,000 | 109 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $937,000 | 182 |
| Income earned, not collected on loans | $11,491,000 | 343 |
| Earning assets | $1,573,928,000 | 408 |
| Long-term assets (5+ years) | $46,677,000 | 1,945 |
| Average Assets, year-to-date | $1,239,366,400 | 527 |
| Average Assets, quarterly | $1,492,940,000 | 464 |
| Volatile liabilities | $1,269,198,000 | 203 |
| Insider loans | $4,908,000 | 1,466 |
| FHLB advances | $278,888,000 | 195 |
| Loans and leases held for sale | $6,884,000 | 322 |
| Unused loan commitments | $480,702,000 | 334 |
| Tier 1 (core) risk-based capital | $139,663,000 | 446 |
| Tier 2 risk-based capital | $19,384,000 | 327 |
| Total risk weighted assets | $1,567,809,000 | 356 |
| Total unused commitments | $480,702,000 | 334 |
| Derivatives | $25,000,000 | 348 |
| 2006-09-30 | Rank | |
| # of Employees: | 169 | 1,022 |
| Assets and Liabilities | ||
| Total Assets: | $1,339,967,000 | 511 |
| Cash and due from depository institutions | $21,504,000 | 1,022 |
| Interest-bearing balances | $8,674,000 | 612 |
| Securities | $52,347,000 | 2,254 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,029 |
| Net loans & leases | $1,212,802,000 | 405 |
| Loan loss allowance | $14,691,000 | 380 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $20,360,000 | 507 |
| Other real estate owned | $1,984,000 | 1,022 |
| Goodwill and other intangibles | $417,000 | 2,242 |
| All other assets | $30,553,000 | 637 |
| Life insurance assets | $0 | 4,052 |
| Total liabilities and capital | $1,339,967,000 | 511 |
| Total liabilities | $1,228,830,000 | 497 |
| Total deposits | $901,196,000 | 555 |
| Interest-bearing deposits | $850,723,000 | 510 |
| Deposits held in domestic offices | $901,196,000 | 554 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,596 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $320,230,000 | 220 |
| Subordinated debt | $0 | 269 |
| All other liabilities | $7,404,000 | 825 |
| Total equity capital | $111,137,000 | 602 |
| Total bank equity capital | $111,137,000 | 602 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $226,000 | 5,550 |
| Surplus | $89,811,000 | 380 |
| Undivided profits | $21,100,000 | 1,698 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $23,687,000 | 159 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $933,000 | 180 |
| Income earned, not collected on loans | $9,771,000 | 395 |
| Earning assets | $1,273,823,000 | 489 |
| Long-term assets (5+ years) | $41,589,000 | 2,096 |
| Average Assets, year-to-date | $1,137,729,750 | 570 |
| Average Assets, quarterly | $1,257,869,000 | 536 |
| Volatile liabilities | $1,009,926,000 | 241 |
| Insider loans | $4,441,000 | 1,587 |
| FHLB advances | $287,120,000 | 192 |
| Loans and leases held for sale | $3,201,000 | 522 |
| Unused loan commitments | $380,952,000 | 405 |
| Tier 1 (core) risk-based capital | $111,327,000 | 551 |
| Tier 2 risk-based capital | $14,691,000 | 420 |
| Total risk weighted assets | $1,253,777,000 | 425 |
| Total unused commitments | $380,952,000 | 405 |
| Derivatives | $25,000,000 | 360 |
| 2006-06-30 | Rank | |
| # of Employees: | 143 | 1,222 |
| Assets and Liabilities | ||
| Total Assets: | $1,175,771,000 | 561 |
| Cash and due from depository institutions | $11,080,000 | 1,222 |
| Interest-bearing balances | $3,070,000 | 1,391 |
| Securities | $52,195,000 | 2,255 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,870 |
| Net loans & leases | $1,062,340,000 | 465 |
| Loan loss allowance | $12,673,000 | 429 |
| Trading account assets | $0 | 157 |
| Bank premises and fixed assets | $19,629,000 | 511 |
| Other real estate owned | $3,373,000 | 1,222 |
| Goodwill and other intangibles | $417,000 | 2,248 |
| All other assets | $26,737,000 | 726 |
| Life insurance assets | $0 | 4,035 |
| Total liabilities and capital | $1,175,771,000 | 561 |
| Total liabilities | $1,072,869,000 | 556 |
| Total deposits | $823,298,000 | 593 |
| Interest-bearing deposits | $774,126,000 | 549 |
| Deposits held in domestic offices | $823,298,000 | 592 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $815,000 | 3,050 |
| Trading liabilities | $0 | 73 |
| Other borrowed funds | $242,986,000 | 276 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $5,770,000 | 940 |
| Total equity capital | $102,902,000 | 628 |
| Total bank equity capital | $102,902,000 | 628 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $226,000 | 5,556 |
| Surplus | $84,811,000 | 393 |
| Undivided profits | $17,865,000 | 1,846 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $14,196,000 | 229 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $291,000 | 481 |
| Income earned, not collected on loans | $8,251,000 | 429 |
| Earning assets | $1,117,605,000 | 549 |
| Long-term assets (5+ years) | $39,479,000 | 2,158 |
| Average Assets, year-to-date | $1,070,317,330 | 600 |
| Average Assets, quarterly | $1,122,469,000 | 581 |
| Volatile liabilities | $879,165,000 | 265 |
| Insider loans | $3,181,000 | 2,067 |
| FHLB advances | $0 | 5,334 |
| Loans and leases held for sale | $1,367,000 | 811 |
| Unused loan commitments | $353,053,000 | 426 |
| Tier 1 (core) risk-based capital | $104,118,000 | 576 |
| Tier 2 risk-based capital | $12,673,000 | 463 |
| Total risk weighted assets | $1,079,979,000 | 476 |
| Total unused commitments | $353,053,000 | 426 |
| Derivatives | $25,000,000 | 357 |
| 2006-03-31 | Rank | |
| # of Employees: | 142 | 1,204 |
| Assets and Liabilities | ||
| Total Assets: | $1,069,167,000 | 601 |
| Cash and due from depository institutions | $15,221,000 | 1,204 |
| Interest-bearing balances | $5,609,000 | 1,001 |
| Securities | $53,940,000 | 2,200 |
| Federal funds sold & reverse repurchase agreements | $1,015,000 | 5,083 |
| Net loans & leases | $950,583,000 | 484 |
| Loan loss allowance | $10,962,000 | 466 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $19,179,000 | 511 |
| Other real estate owned | $2,823,000 | 1,204 |
| Goodwill and other intangibles | $417,000 | 2,215 |
| All other assets | $25,989,000 | 712 |
| Life insurance assets | $0 | 4,002 |
| Total liabilities and capital | $1,069,167,000 | 601 |
| Total liabilities | $974,926,000 | 592 |
| Total deposits | $773,653,000 | 620 |
| Interest-bearing deposits | $723,492,000 | 580 |
| Deposits held in domestic offices | $773,653,000 | 619 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,368 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $196,743,000 | 315 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $4,530,000 | 1,125 |
| Total equity capital | $94,241,000 | 669 |
| Total bank equity capital | $94,241,000 | 669 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $226,000 | 5,559 |
| Surplus | $77,610,000 | 414 |
| Undivided profits | $16,405,000 | 1,980 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,704,000 | 480 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,103,000 | 170 |
| Income earned, not collected on loans | $6,016,000 | 544 |
| Earning assets | $1,011,147,000 | 584 |
| Long-term assets (5+ years) | $40,323,000 | 2,085 |
| Average Assets, year-to-date | $1,017,590,500 | 620 |
| Average Assets, quarterly | $1,017,590,500 | 620 |
| Volatile liabilities | $774,446,000 | 278 |
| Insider loans | $4,232,000 | 1,582 |
| FHLB advances | $196,743,000 | 268 |
| Loans and leases held for sale | $1,327,000 | 740 |
| Unused loan commitments | $321,268,000 | 443 |
| Tier 1 (core) risk-based capital | $94,839,000 | 606 |
| Tier 2 risk-based capital | $10,962,000 | 492 |
| Total risk weighted assets | $963,072,000 | 506 |
| Total unused commitments | $321,268,000 | 443 |
| Derivatives | $25,000,000 | 343 |
| 2005-12-31 | Rank | |
| # of Employees: | 135 | 1,273 |
| Assets and Liabilities | ||
| Total Assets: | $966,014,000 | 648 |
| Cash and due from depository institutions | $20,122,000 | 1,273 |
| Interest-bearing balances | $8,730,000 | 662 |
| Securities | $62,025,000 | 1,948 |
| Federal funds sold & reverse repurchase agreements | $570,000 | 5,310 |
| Net loans & leases | $837,846,000 | 535 |
| Loan loss allowance | $8,935,000 | 559 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $19,559,000 | 486 |
| Other real estate owned | $2,634,000 | 1,273 |
| Goodwill and other intangibles | $417,000 | 2,214 |
| All other assets | $22,841,000 | 782 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $966,014,000 | 648 |
| Total liabilities | $885,937,000 | 635 |
| Total deposits | $657,570,000 | 713 |
| Interest-bearing deposits | $601,150,000 | 673 |
| Deposits held in domestic offices | $657,570,000 | 711 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $157,000 | 3,382 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $223,189,000 | 296 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $5,021,000 | 1,013 |
| Total equity capital | $80,077,000 | 783 |
| Total bank equity capital | $80,077,000 | 783 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $226,000 | 5,581 |
| Surplus | $63,110,000 | 480 |
| Undivided profits | $16,741,000 | 1,955 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $8,844,000 | 331 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $369,000 | 389 |
| Income earned, not collected on loans | $5,545,000 | 585 |
| Earning assets | $909,171,000 | 633 |
| Long-term assets (5+ years) | $28,024,000 | 2,658 |
| Average Assets, year-to-date | $792,615,800 | 730 |
| Average Assets, quarterly | $924,116,500 | 665 |
| Volatile liabilities | $681,436,000 | 301 |
| Insider loans | $3,852,000 | 1,723 |
| FHLB advances | $223,189,000 | 247 |
| Loans and leases held for sale | $907,000 | 925 |
| Unused loan commitments | $264,156,000 | 489 |
| Tier 1 (core) risk-based capital | $80,375,000 | 725 |
| Tier 2 risk-based capital | $8,935,000 | 581 |
| Total risk weighted assets | $843,554,000 | 554 |
| Total unused commitments | $264,156,000 | 489 |
| Derivatives | $25,000,000 | 318 |
| 2005-09-30 | Rank | |
| # of Employees: | 137 | 1,238 |
| Assets and Liabilities | ||
| Total Assets: | $882,219,000 | 685 |
| Cash and due from depository institutions | $12,866,000 | 1,238 |
| Interest-bearing balances | $29,000 | 6,015 |
| Securities | $63,982,000 | 1,878 |
| Federal funds sold & reverse repurchase agreements | $2,095,000 | 3,678 |
| Net loans & leases | $760,477,000 | 560 |
| Loan loss allowance | $9,540,000 | 515 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $19,377,000 | 476 |
| Other real estate owned | $1,912,000 | 1,238 |
| Goodwill and other intangibles | $417,000 | 2,197 |
| All other assets | $21,093,000 | 810 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $882,219,000 | 685 |
| Total liabilities | $811,937,000 | 668 |
| Total deposits | $598,633,000 | 761 |
| Interest-bearing deposits | $544,355,000 | 728 |
| Deposits held in domestic offices | $598,633,000 | 760 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $405,000 | 3,259 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $208,215,000 | 312 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $4,684,000 | 1,030 |
| Total equity capital | $70,282,000 | 855 |
| Total bank equity capital | $70,282,000 | 855 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $226,000 | 5,598 |
| Surplus | $55,110,000 | 508 |
| Undivided profits | $14,946,000 | 2,149 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $9,521,000 | 304 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,285,000 | 154 |
| Income earned, not collected on loans | $4,955,000 | 618 |
| Earning assets | $826,583,000 | 668 |
| Long-term assets (5+ years) | $21,767,000 | 3,152 |
| Average Assets, year-to-date | $749,266,250 | 774 |
| Average Assets, quarterly | $835,373,000 | 707 |
| Volatile liabilities | $605,049,000 | 320 |
| Insider loans | $3,912,000 | 1,661 |
| FHLB advances | $208,215,000 | 264 |
| Loans and leases held for sale | $1,495,000 | 791 |
| Unused loan commitments | $216,827,000 | 559 |
| Tier 1 (core) risk-based capital | $70,068,000 | 794 |
| Tier 2 risk-based capital | $9,540,000 | 538 |
| Total risk weighted assets | $771,134,000 | 585 |
| Total unused commitments | $216,827,000 | 559 |
| Derivatives | $25,000,000 | 325 |
| 2005-06-30 | Rank | |
| # of Employees: | 123 | 1,396 |
| Assets and Liabilities | ||
| Total Assets: | $788,527,000 | 746 |
| Cash and due from depository institutions | $9,910,000 | 1,396 |
| Interest-bearing balances | $20,000 | 6,192 |
| Securities | $66,365,000 | 1,828 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,776 |
| Net loans & leases | $670,438,000 | 600 |
| Loan loss allowance | $7,170,000 | 663 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $19,393,000 | 456 |
| Other real estate owned | $4,258,000 | 1,396 |
| Goodwill and other intangibles | $417,000 | 2,194 |
| All other assets | $17,746,000 | 944 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $788,527,000 | 746 |
| Total liabilities | $725,766,000 | 730 |
| Total deposits | $508,940,000 | 889 |
| Interest-bearing deposits | $460,809,000 | 830 |
| Deposits held in domestic offices | $508,940,000 | 887 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,721 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $213,101,000 | 309 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $3,725,000 | 1,195 |
| Total equity capital | $62,761,000 | 941 |
| Total bank equity capital | $62,761,000 | 941 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $226,000 | 5,591 |
| Surplus | $48,641,000 | 564 |
| Undivided profits | $13,894,000 | 2,294 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $11,122,000 | 265 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,215,000 | 161 |
| Income earned, not collected on loans | $4,136,000 | 672 |
| Earning assets | $736,823,000 | 728 |
| Long-term assets (5+ years) | $22,894,000 | 3,072 |
| Average Assets, year-to-date | $704,948,670 | 817 |
| Average Assets, quarterly | $741,676,500 | 784 |
| Volatile liabilities | $500,414,000 | 348 |
| Insider loans | $6,068,000 | 1,033 |
| FHLB advances | $212,351,000 | 260 |
| Loans and leases held for sale | $2,218,000 | 685 |
| Unused loan commitments | $188,585,000 | 601 |
| Tier 1 (core) risk-based capital | $62,300,000 | 871 |
| Tier 2 risk-based capital | $7,170,000 | 676 |
| Total risk weighted assets | $673,959,000 | 633 |
| Total unused commitments | $188,585,000 | 601 |
| Derivatives | $25,000,000 | 309 |
| 2005-03-31 | Rank | |
| # of Employees: | 123 | 1,391 |
| Assets and Liabilities | ||
| Total Assets: | $694,826,000 | 834 |
| Cash and due from depository institutions | $14,928,000 | 1,391 |
| Interest-bearing balances | $3,926,000 | 1,313 |
| Securities | $62,576,000 | 1,969 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,340 |
| Net loans & leases | $580,031,000 | 676 |
| Loan loss allowance | $5,854,000 | 818 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $17,913,000 | 483 |
| Other real estate owned | $2,849,000 | 1,391 |
| Goodwill and other intangibles | $417,000 | 2,197 |
| All other assets | $16,112,000 | 1,023 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $694,826,000 | 834 |
| Total liabilities | $639,498,000 | 814 |
| Total deposits | $456,590,000 | 976 |
| Interest-bearing deposits | $410,746,000 | 920 |
| Deposits held in domestic offices | $456,590,000 | 972 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,328 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $180,256,000 | 340 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $2,652,000 | 1,557 |
| Total equity capital | $55,328,000 | 1,050 |
| Total bank equity capital | $55,328,000 | 1,050 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $227,000 | 5,635 |
| Surplus | $39,665,000 | 648 |
| Undivided profits | $15,436,000 | 2,060 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $7,355,000 | 383 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $33,000 | 1,052 |
| Income earned, not collected on loans | $3,902,000 | 682 |
| Earning assets | $646,533,000 | 823 |
| Long-term assets (5+ years) | $23,045,000 | 3,152 |
| Average Assets, year-to-date | $663,159,500 | 866 |
| Average Assets, quarterly | $663,159,500 | 866 |
| Volatile liabilities | $412,241,000 | 391 |
| Insider loans | $3,376,000 | 1,804 |
| FHLB advances | $180,256,000 | 287 |
| Loans and leases held for sale | $3,145,000 | 486 |
| Unused loan commitments | $157,758,000 | 669 |
| Tier 1 (core) risk-based capital | $55,333,000 | 972 |
| Tier 2 risk-based capital | $5,854,000 | 809 |
| Total risk weighted assets | $574,584,000 | 720 |
| Total unused commitments | $157,758,000 | 671 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 114 | 1,511 |
| Assets and Liabilities | ||
| Total Assets: | $631,493,000 | 913 |
| Cash and due from depository institutions | $11,030,000 | 1,511 |
| Interest-bearing balances | $589,000 | 3,321 |
| Securities | $63,336,000 | 1,964 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,164 |
| Net loans & leases | $522,891,000 | 747 |
| Loan loss allowance | $5,277,000 | 908 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $17,956,000 | 483 |
| Other real estate owned | $2,945,000 | 1,511 |
| Goodwill and other intangibles | $417,000 | 2,205 |
| All other assets | $12,918,000 | 1,210 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $631,493,000 | 913 |
| Total liabilities | $583,099,000 | 894 |
| Total deposits | $412,148,000 | 1,077 |
| Interest-bearing deposits | $367,541,000 | 1,021 |
| Deposits held in domestic offices | $412,148,000 | 1,074 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,470 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $167,816,000 | 362 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $3,135,000 | 1,342 |
| Total equity capital | $48,394,000 | 1,181 |
| Total bank equity capital | $48,394,000 | 1,181 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $227,000 | 5,652 |
| Surplus | $31,415,000 | 782 |
| Undivided profits | $16,752,000 | 1,959 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,651,000 | 603 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $53,000 | 922 |
| Income earned, not collected on loans | $2,993,000 | 905 |
| Earning assets | $586,816,000 | 901 |
| Long-term assets (5+ years) | $21,418,000 | 3,346 |
| Average Assets, year-to-date | $553,182,000 | 995 |
| Average Assets, quarterly | $607,167,500 | 939 |
| Volatile liabilities | $311,902,000 | 467 |
| Insider loans | $3,526,000 | 1,726 |
| FHLB advances | $167,816,000 | 309 |
| Loans and leases held for sale | $499,000 | 1,148 |
| Unused loan commitments | $134,864,000 | 741 |
| Tier 1 (core) risk-based capital | $47,329,000 | 1,120 |
| Tier 2 risk-based capital | $5,277,000 | 884 |
| Total risk weighted assets | $512,381,000 | 800 |
| Total unused commitments | $134,864,000 | 741 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 122 | 1,410 |
| Assets and Liabilities | ||
| Total Assets: | $582,842,000 | 976 |
| Cash and due from depository institutions | $14,081,000 | 1,410 |
| Interest-bearing balances | $1,590,000 | 2,363 |
| Securities | $52,530,000 | 2,305 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,928 |
| Net loans & leases | $482,100,000 | 786 |
| Loan loss allowance | $4,865,000 | 964 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $17,114,000 | 503 |
| Other real estate owned | $2,676,000 | 1,410 |
| Goodwill and other intangibles | $418,000 | 2,164 |
| All other assets | $13,923,000 | 1,112 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $582,842,000 | 976 |
| Total liabilities | $538,093,000 | 951 |
| Total deposits | $364,380,000 | 1,217 |
| Interest-bearing deposits | $319,199,000 | 1,203 |
| Deposits held in domestic offices | $364,380,000 | 1,213 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,678 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $170,279,000 | 363 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $3,434,000 | 1,246 |
| Total equity capital | $44,749,000 | 1,275 |
| Total bank equity capital | $44,749,000 | 1,275 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $227,000 | 5,681 |
| Surplus | $27,415,000 | 862 |
| Undivided profits | $17,107,000 | 1,941 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,698,000 | 622 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $29,000 | 1,080 |
| Income earned, not collected on loans | $2,763,000 | 998 |
| Earning assets | $536,220,000 | 969 |
| Long-term assets (5+ years) | $11,264,000 | 4,675 |
| Average Assets, year-to-date | $533,604,250 | 1,028 |
| Average Assets, quarterly | $558,829,500 | 1,005 |
| Volatile liabilities | $256,046,000 | 533 |
| Insider loans | $3,456,000 | 1,700 |
| FHLB advances | $170,279,000 | 307 |
| Loans and leases held for sale | $974,000 | 891 |
| Unused loan commitments | $123,167,000 | 781 |
| Tier 1 (core) risk-based capital | $43,002,000 | 1,232 |
| Tier 2 risk-based capital | $4,865,000 | 929 |
| Total risk weighted assets | $472,727,000 | 851 |
| Total unused commitments | $123,167,000 | 783 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 114 | 1,513 |
| Assets and Liabilities | ||
| Total Assets: | $534,817,000 | 1,046 |
| Cash and due from depository institutions | $13,695,000 | 1,513 |
| Interest-bearing balances | $556,000 | 3,444 |
| Securities | $48,611,000 | 2,509 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,884 |
| Net loans & leases | $441,190,000 | 835 |
| Loan loss allowance | $4,452,000 | 1,045 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $15,194,000 | 568 |
| Other real estate owned | $2,713,000 | 1,513 |
| Goodwill and other intangibles | $417,000 | 2,170 |
| All other assets | $12,997,000 | 1,197 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $534,817,000 | 1,046 |
| Total liabilities | $492,781,000 | 1,028 |
| Total deposits | $341,414,000 | 1,297 |
| Interest-bearing deposits | $300,797,000 | 1,263 |
| Deposits held in domestic offices | $341,414,000 | 1,293 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $990,000 | 2,861 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $147,821,000 | 407 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $2,556,000 | 1,456 |
| Total equity capital | $42,036,000 | 1,296 |
| Total bank equity capital | $42,036,000 | 1,296 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $227,000 | 5,719 |
| Surplus | $27,415,000 | 844 |
| Undivided profits | $14,394,000 | 2,138 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,388,000 | 673 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $30,000 | 1,135 |
| Income earned, not collected on loans | $2,228,000 | 1,189 |
| Earning assets | $490,357,000 | 1,038 |
| Long-term assets (5+ years) | $12,787,000 | 4,563 |
| Average Assets, year-to-date | $517,191,670 | 1,052 |
| Average Assets, quarterly | $526,915,000 | 1,046 |
| Volatile liabilities | $223,790,000 | 584 |
| Insider loans | $3,389,000 | 1,715 |
| FHLB advances | $147,821,000 | 347 |
| Loans and leases held for sale | $2,028,000 | 617 |
| Unused loan commitments | $116,452,000 | 799 |
| Tier 1 (core) risk-based capital | $41,182,000 | 1,261 |
| Tier 2 risk-based capital | $4,452,000 | 1,008 |
| Total risk weighted assets | $432,294,000 | 908 |
| Total unused commitments | $116,452,000 | 799 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 133 | 1,277 |
| Assets and Liabilities | ||
| Total Assets: | $519,013,000 | 1,064 |
| Cash and due from depository institutions | $12,122,000 | 1,277 |
| Interest-bearing balances | $21,000 | 6,375 |
| Securities | $54,704,000 | 2,260 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,767 |
| Net loans & leases | $421,808,000 | 855 |
| Loan loss allowance | $4,257,000 | 1,078 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $14,020,000 | 611 |
| Other real estate owned | $2,694,000 | 1,277 |
| Goodwill and other intangibles | $417,000 | 2,158 |
| All other assets | $13,248,000 | 1,100 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $519,013,000 | 1,064 |
| Total liabilities | $476,656,000 | 1,049 |
| Total deposits | $332,304,000 | 1,335 |
| Interest-bearing deposits | $293,287,000 | 1,285 |
| Deposits held in domestic offices | $332,304,000 | 1,333 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,125,000 | 2,445 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $141,096,000 | 409 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $2,131,000 | 1,898 |
| Total equity capital | $42,357,000 | 1,313 |
| Total bank equity capital | $42,357,000 | 1,313 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $227,000 | 5,733 |
| Surplus | $27,415,000 | 836 |
| Undivided profits | $14,715,000 | 2,197 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,269,000 | 714 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $55,000 | 1,051 |
| Income earned, not collected on loans | $2,492,000 | 1,039 |
| Earning assets | $476,533,000 | 1,063 |
| Long-term assets (5+ years) | $10,974,000 | 4,819 |
| Average Assets, year-to-date | $508,379,000 | 1,078 |
| Average Assets, quarterly | $508,379,000 | 1,078 |
| Volatile liabilities | $222,412,000 | 577 |
| Insider loans | $3,386,000 | 1,677 |
| FHLB advances | $141,096,000 | 350 |
| Loans and leases held for sale | $1,220,000 | 914 |
| Unused loan commitments | $105,462,000 | 833 |
| Tier 1 (core) risk-based capital | $39,503,000 | 1,300 |
| Tier 2 risk-based capital | $4,257,000 | 1,034 |
| Total risk weighted assets | $415,267,000 | 927 |
| Total unused commitments | $105,462,000 | 834 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 144 | 1,170 |
| Assets and Liabilities | ||
| Total Assets: | $497,745,000 | 1,115 |
| Cash and due from depository institutions | $16,295,000 | 1,170 |
| Interest-bearing balances | $315,000 | 4,103 |
| Securities | $45,973,000 | 2,654 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,359 |
| Net loans & leases | $406,878,000 | 878 |
| Loan loss allowance | $4,151,000 | 1,109 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $13,302,000 | 643 |
| Other real estate owned | $2,547,000 | 1,170 |
| Goodwill and other intangibles | $417,000 | 2,148 |
| All other assets | $12,333,000 | 1,199 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $497,745,000 | 1,115 |
| Total liabilities | $454,389,000 | 1,098 |
| Total deposits | $301,617,000 | 1,483 |
| Interest-bearing deposits | $267,275,000 | 1,421 |
| Deposits held in domestic offices | $301,617,000 | 1,481 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $935,000 | 2,730 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $149,944,000 | 400 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $1,893,000 | 1,943 |
| Total equity capital | $43,356,000 | 1,254 |
| Total bank equity capital | $43,356,000 | 1,254 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $227,000 | 5,773 |
| Surplus | $27,415,000 | 827 |
| Undivided profits | $15,714,000 | 2,036 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,035,000 | 767 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $57,000 | 974 |
| Income earned, not collected on loans | $2,080,000 | 1,323 |
| Earning assets | $453,166,000 | 1,115 |
| Long-term assets (5+ years) | $16,106,000 | 4,057 |
| Average Assets, year-to-date | $492,189,200 | 1,095 |
| Average Assets, quarterly | $491,533,000 | 1,117 |
| Volatile liabilities | $177,713,000 | 676 |
| Insider loans | $1,585,000 | 3,095 |
| FHLB advances | $149,944,000 | 334 |
| Loans and leases held for sale | $1,058,000 | 860 |
| Unused loan commitments | $91,165,000 | 903 |
| Tier 1 (core) risk-based capital | $40,925,000 | 1,233 |
| Tier 2 risk-based capital | $4,151,000 | 1,053 |
| Total risk weighted assets | $405,998,000 | 941 |
| Total unused commitments | $91,165,000 | 904 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 135 | 1,272 |
| Assets and Liabilities | ||
| Total Assets: | $485,321,000 | 1,149 |
| Cash and due from depository institutions | $12,298,000 | 1,272 |
| Interest-bearing balances | $555,000 | 3,688 |
| Securities | $47,730,000 | 2,540 |
| Federal funds sold & reverse repurchase agreements | $995,000 | 5,381 |
| Net loans & leases | $395,700,000 | 890 |
| Loan loss allowance | $3,995,000 | 1,166 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $11,628,000 | 769 |
| Other real estate owned | $3,803,000 | 1,272 |
| Goodwill and other intangibles | $417,000 | 2,120 |
| All other assets | $12,750,000 | 1,162 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $485,321,000 | 1,149 |
| Total liabilities | $442,552,000 | 1,136 |
| Total deposits | $295,449,000 | 1,524 |
| Interest-bearing deposits | $258,967,000 | 1,488 |
| Deposits held in domestic offices | $295,449,000 | 1,521 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,347 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $145,089,000 | 402 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $2,014,000 | 1,918 |
| Total equity capital | $42,769,000 | 1,277 |
| Total bank equity capital | $42,769,000 | 1,277 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $227,000 | 5,809 |
| Surplus | $27,415,000 | 823 |
| Undivided profits | $15,127,000 | 2,114 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,762,000 | 697 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $58,000 | 1,040 |
| Income earned, not collected on loans | $2,243,000 | 1,265 |
| Earning assets | $444,980,000 | 1,154 |
| Long-term assets (5+ years) | $20,547,000 | 3,553 |
| Average Assets, year-to-date | $490,800,250 | 1,112 |
| Average Assets, quarterly | $490,250,500 | 1,140 |
| Volatile liabilities | $174,078,000 | 681 |
| Insider loans | $1,101,000 | 3,829 |
| FHLB advances | $145,089,000 | 335 |
| Loans and leases held for sale | $2,425,000 | 786 |
| Unused loan commitments | $88,342,000 | 951 |
| Tier 1 (core) risk-based capital | $40,171,000 | 1,271 |
| Tier 2 risk-based capital | $3,995,000 | 1,100 |
| Total risk weighted assets | $399,865,000 | 954 |
| Total unused commitments | $88,342,000 | 952 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 133 | 1,303 |
| Assets and Liabilities | ||
| Total Assets: | $495,180,000 | 1,128 |
| Cash and due from depository institutions | $13,260,000 | 1,303 |
| Interest-bearing balances | $939,000 | 3,304 |
| Securities | $57,169,000 | 2,126 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,888 |
| Net loans & leases | $396,134,000 | 878 |
| Loan loss allowance | $4,000,000 | 1,148 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $11,546,000 | 765 |
| Other real estate owned | $3,802,000 | 1,303 |
| Goodwill and other intangibles | $418,000 | 2,072 |
| All other assets | $12,851,000 | 1,109 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $495,180,000 | 1,128 |
| Total liabilities | $452,130,000 | 1,114 |
| Total deposits | $291,830,000 | 1,519 |
| Interest-bearing deposits | $257,573,000 | 1,473 |
| Deposits held in domestic offices | $291,830,000 | 1,515 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,266 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $158,395,000 | 369 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $1,905,000 | 2,085 |
| Total equity capital | $43,050,000 | 1,263 |
| Total bank equity capital | $43,050,000 | 1,263 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $227,000 | 5,824 |
| Surplus | $27,415,000 | 806 |
| Undivided profits | $15,408,000 | 2,101 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,697,000 | 892 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $64,000 | 1,087 |
| Income earned, not collected on loans | $2,157,000 | 1,281 |
| Earning assets | $454,242,000 | 1,123 |
| Long-term assets (5+ years) | $20,916,000 | 3,362 |
| Average Assets, year-to-date | $492,626,670 | 1,100 |
| Average Assets, quarterly | $492,479,500 | 1,120 |
| Volatile liabilities | $188,117,000 | 639 |
| Insider loans | $1,099,000 | 3,821 |
| FHLB advances | $158,395,000 | 314 |
| Loans and leases held for sale | $3,618,000 | 839 |
| Unused loan commitments | $74,318,000 | 1,068 |
| Tier 1 (core) risk-based capital | $39,849,000 | 1,248 |
| Tier 2 risk-based capital | $4,000,000 | 1,062 |
| Total risk weighted assets | $399,831,000 | 939 |
| Total unused commitments | $74,318,000 | 1,074 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 136 | 1,239 |
| Assets and Liabilities | ||
| Total Assets: | $489,779,000 | 1,116 |
| Cash and due from depository institutions | $11,888,000 | 1,239 |
| Interest-bearing balances | $448,000 | 3,945 |
| Securities | $61,734,000 | 1,968 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,247 |
| Net loans & leases | $386,373,000 | 888 |
| Loan loss allowance | $3,899,000 | 1,161 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $11,680,000 | 744 |
| Other real estate owned | $4,215,000 | 1,239 |
| Goodwill and other intangibles | $417,000 | 2,052 |
| All other assets | $13,472,000 | 1,037 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $489,779,000 | 1,116 |
| Total liabilities | $447,935,000 | 1,100 |
| Total deposits | $294,449,000 | 1,472 |
| Interest-bearing deposits | $260,105,000 | 1,448 |
| Deposits held in domestic offices | $294,449,000 | 1,469 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,057 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $151,990,000 | 366 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $1,496,000 | 2,528 |
| Total equity capital | $41,844,000 | 1,274 |
| Total bank equity capital | $41,844,000 | 1,274 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $227,000 | 5,847 |
| Surplus | $27,415,000 | 791 |
| Undivided profits | $14,202,000 | 2,222 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,509,000 | 1,302 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $69,000 | 1,049 |
| Income earned, not collected on loans | $2,359,000 | 1,183 |
| Earning assets | $448,555,000 | 1,123 |
| Long-term assets (5+ years) | $31,430,000 | 2,472 |
| Average Assets, year-to-date | $491,350,000 | 1,100 |
| Average Assets, quarterly | $491,350,000 | 1,100 |
| Volatile liabilities | $156,063,000 | 724 |
| Insider loans | $1,075,000 | 3,781 |
| FHLB advances | $151,990,000 | 308 |
| Loans and leases held for sale | $2,789,000 | 865 |
| Unused loan commitments | $69,195,000 | 1,102 |
| Tier 1 (core) risk-based capital | $39,158,000 | 1,251 |
| Tier 2 risk-based capital | $3,899,000 | 1,069 |
| Total risk weighted assets | $387,499,000 | 943 |
| Total unused commitments | $69,195,000 | 1,111 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 134 | 1,250 |
| Assets and Liabilities | ||
| Total Assets: | $492,921,000 | 1,099 |
| Cash and due from depository institutions | $16,877,000 | 1,250 |
| Interest-bearing balances | $6,652,000 | 1,144 |
| Securities | $62,945,000 | 1,915 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,991 |
| Net loans & leases | $384,041,000 | 885 |
| Loan loss allowance | $3,877,000 | 1,137 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $14,510,000 | 557 |
| Other real estate owned | $1,546,000 | 1,250 |
| Goodwill and other intangibles | $417,000 | 2,039 |
| All other assets | $12,585,000 | 1,068 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $492,921,000 | 1,099 |
| Total liabilities | $450,277,000 | 1,081 |
| Total deposits | $288,317,000 | 1,478 |
| Interest-bearing deposits | $257,131,000 | 1,435 |
| Deposits held in domestic offices | $288,317,000 | 1,475 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,222 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $160,230,000 | 365 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $1,730,000 | 2,262 |
| Total equity capital | $42,644,000 | 1,229 |
| Total bank equity capital | $42,644,000 | 1,229 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $226,000 | 5,869 |
| Surplus | $27,415,000 | 773 |
| Undivided profits | $15,003,000 | 2,076 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,508,000 | 896 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $438,000 | 403 |
| Income earned, not collected on loans | $2,233,000 | 1,326 |
| Earning assets | $453,638,000 | 1,083 |
| Long-term assets (5+ years) | $35,581,000 | 2,229 |
| Average Assets, year-to-date | $493,024,000 | 1,040 |
| Average Assets, quarterly | $498,705,500 | 1,073 |
| Volatile liabilities | $211,469,000 | 580 |
| Insider loans | $678,000 | 4,802 |
| FHLB advances | $160,230,000 | 301 |
| Loans and leases held for sale | $4,617,000 | 729 |
| Unused loan commitments | $61,184,000 | 1,153 |
| Tier 1 (core) risk-based capital | $39,716,000 | 1,204 |
| Tier 2 risk-based capital | $3,877,000 | 1,053 |
| Total risk weighted assets | $383,003,000 | 943 |
| Total unused commitments | $61,184,000 | 1,155 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 124 | 1,333 |
| Assets and Liabilities | ||
| Total Assets: | $481,163,000 | 1,070 |
| Cash and due from depository institutions | $12,608,000 | 1,333 |
| Interest-bearing balances | $270,000 | 4,231 |
| Securities | $48,420,000 | 2,262 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,110 |
| Net loans & leases | $396,061,000 | 842 |
| Loan loss allowance | $3,998,000 | 1,040 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $11,406,000 | 731 |
| Other real estate owned | $1,187,000 | 1,333 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $11,481,000 | 1,090 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $481,163,000 | 1,070 |
| Total liabilities | $444,013,000 | 1,050 |
| Total deposits | $306,605,000 | 1,296 |
| Interest-bearing deposits | $281,274,000 | 1,227 |
| Deposits held in domestic offices | $306,605,000 | 1,293 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,604,000 | 1,407 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $129,850,000 | 408 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $1,954,000 | 2,053 |
| Total equity capital | $37,150,000 | 1,323 |
| Total bank equity capital | $37,150,000 | 1,323 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $227,000 | 6,003 |
| Surplus | $26,839,000 | 765 |
| Undivided profits | $10,084,000 | 2,724 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,961,000 | 532 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,198,000 | 158 |
| Income earned, not collected on loans | $2,246,000 | 1,431 |
| Earning assets | $444,751,000 | 1,050 |
| Long-term assets (5+ years) | $49,843,000 | 1,726 |
| Average Assets, year-to-date | $469,286,800 | 1,039 |
| Average Assets, quarterly | $475,768,500 | 1,072 |
| Volatile liabilities | $153,430,000 | 704 |
| Insider loans | $381,000 | 5,974 |
| FHLB advances | $129,850,000 | 334 |
| Loans and leases held for sale | $4,113,000 | 656 |
| Unused loan commitments | $67,744,000 | 1,007 |
| Tier 1 (core) risk-based capital | $36,752,000 | 1,241 |
| Tier 2 risk-based capital | $3,998,000 | 984 |
| Total risk weighted assets | $377,268,000 | 917 |
| Total unused commitments | $67,744,000 | 1,011 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 158 | 1,007 |
| Assets and Liabilities | ||
| Total Assets: | $463,630,000 | 1,050 |
| Cash and due from depository institutions | $13,620,000 | 1,007 |
| Interest-bearing balances | $133,000 | 4,267 |
| Securities | $57,414,000 | 1,914 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,010 |
| Net loans & leases | $375,740,000 | 861 |
| Loan loss allowance | $3,797,000 | 1,059 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $11,686,000 | 670 |
| Other real estate owned | $707,000 | 1,007 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $4,463,000 | 2,005 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $463,630,000 | 1,050 |
| Total liabilities | $432,258,000 | 1,013 |
| Total deposits | $342,663,000 | 1,106 |
| Interest-bearing deposits | $320,569,000 | 1,029 |
| Deposits held in domestic offices | $342,663,000 | 1,101 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $990,000 | 2,793 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $85,881,000 | 522 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $2,724,000 | 1,598 |
| Total equity capital | $31,372,000 | 1,475 |
| Total bank equity capital | $31,372,000 | 1,475 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $227,000 | 6,189 |
| Surplus | $26,839,000 | 741 |
| Undivided profits | $4,306,000 | 4,750 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,511,000 | 581 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $136,000 | 699 |
| Income earned, not collected on loans | $2,332,000 | 1,051 |
| Earning assets | $433,287,000 | 1,032 |
| Long-term assets (5+ years) | $58,131,000 | 1,444 |
| Average Assets, year-to-date | $457,449,200 | 1,026 |
| Average Assets, quarterly | $466,305,500 | 1,032 |
| Volatile liabilities | $230,779,000 | 540 |
| Insider loans | $359,000 | 6,175 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $50,169,000 | 1,168 |
| Tier 1 (core) risk-based capital | $31,522,000 | 1,383 |
| Tier 2 risk-based capital | $3,798,000 | 1,001 |
| Total risk weighted assets | $350,629,000 | 940 |
| Total unused commitments | $50,169,000 | 1,170 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 125 | 1,351 |
| Assets and Liabilities | ||
| Total Assets: | $448,557,000 | 1,069 |
| Cash and due from depository institutions | $10,706,000 | 1,351 |
| Interest-bearing balances | $2,102,000 | 1,661 |
| Securities | $71,405,000 | 1,610 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $349,681,000 | 909 |
| Loan loss allowance | $3,534,000 | 1,091 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $10,291,000 | 768 |
| Other real estate owned | $1,078,000 | 1,351 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $5,396,000 | 1,673 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $448,557,000 | 1,069 |
| Total liabilities | $419,016,000 | 1,039 |
| Total deposits | $334,476,000 | 1,111 |
| Interest-bearing deposits | $313,666,000 | 1,023 |
| Deposits held in domestic offices | $334,476,000 | 1,106 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $308,000 | 3,687 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $81,681,000 | 558 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $2,551,000 | 1,556 |
| Total equity capital | $29,541,000 | 1,496 |
| Total bank equity capital | $29,541,000 | 1,496 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $2,264,000 | 1,718 |
| Surplus | $24,802,000 | 791 |
| Undivided profits | $2,475,000 | 5,993 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,167,000 | 1,080 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $1,923,000 | 1,092 |
| Earning assets | $423,188,000 | 1,032 |
| Long-term assets (5+ years) | $67,024,000 | 1,358 |
| Average Assets, year-to-date | $366,094,400 | 1,235 |
| Average Assets, quarterly | $429,605,500 | 1,100 |
| Volatile liabilities | $194,504,000 | 625 |
| Insider loans | $546,000 | 5,141 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $1,435,000 | 596 |
| Unused loan commitments | $46,788,000 | 1,257 |
| Tier 1 (core) risk-based capital | $30,950,000 | 1,397 |
| Tier 2 risk-based capital | $3,534,000 | 1,030 |
| Total risk weighted assets | $338,433,000 | 951 |
| Total unused commitments | $46,788,000 | 1,260 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 113 | 1,495 |
| Assets and Liabilities | ||
| Total Assets: | $293,540,000 | 1,562 |
| Cash and due from depository institutions | $12,119,000 | 1,495 |
| Interest-bearing balances | $4,351,000 | 1,359 |
| Securities | $37,447,000 | 3,006 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $234,999,000 | 1,200 |
| Loan loss allowance | $2,363,000 | 1,525 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $5,022,000 | 1,582 |
| Other real estate owned | $956,000 | 1,495 |
| Goodwill and other intangibles | $8,000 | 3,308 |
| All other assets | $2,989,000 | 2,482 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $293,540,000 | 1,562 |
| Total liabilities | $275,764,000 | 1,494 |
| Total deposits | $232,559,000 | 1,612 |
| Interest-bearing deposits | $215,865,000 | 1,479 |
| Deposits held in domestic offices | $232,559,000 | 1,606 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $309,000 | 2,906 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $41,000,000 | 681 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,896,000 | 2,093 |
| Total equity capital | $17,776,000 | 2,514 |
| Total bank equity capital | $17,776,000 | 2,514 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,264,000 | 1,664 |
| Surplus | $13,301,000 | 1,225 |
| Undivided profits | $2,211,000 | 6,676 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $694,000 | 3,178 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,023,000 | 2,164 |
| Earning assets | $276,797,000 | 1,516 |
| Long-term assets (5+ years) | $27,489,000 | 2,530 |
| Average Assets, year-to-date | $237,796,000 | 1,843 |
| Average Assets, quarterly | $276,116,000 | 1,634 |
| Volatile liabilities | $75,369,000 | 1,015 |
| Insider loans | $808,000 | 4,089 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $1,596,000 | 896 |
| Unused loan commitments | $29,610,000 | 1,683 |
| Tier 1 (core) risk-based capital | $17,341,000 | 2,462 |
| Tier 2 risk-based capital | $2,363,000 | 1,398 |
| Total risk weighted assets | $219,023,000 | 1,313 |
| Total unused commitments | $29,610,000 | 1,689 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 97 | 1,826 |
| Assets and Liabilities | ||
| Total Assets: | $190,287,000 | 2,370 |
| Cash and due from depository institutions | $4,572,000 | 1,826 |
| Interest-bearing balances | $628,000 | 2,915 |
| Securities | $20,131,000 | 4,882 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $158,171,000 | 1,793 |
| Loan loss allowance | $1,114,000 | 3,065 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $3,740,000 | 2,102 |
| Other real estate owned | $455,000 | 1,826 |
| Goodwill and other intangibles | $24,000 | 3,208 |
| All other assets | $3,194,000 | 2,257 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $190,287,000 | 2,370 |
| Total liabilities | $176,968,000 | 2,309 |
| Total deposits | $135,002,000 | 2,770 |
| Interest-bearing deposits | $126,135,000 | 2,547 |
| Deposits held in domestic offices | $135,002,000 | 2,764 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $247,000 | 3,401 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $40,420,000 | 640 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,299,000 | 2,857 |
| Total equity capital | $13,319,000 | 3,309 |
| Total bank equity capital | $13,319,000 | 3,309 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,264,000 | 1,651 |
| Surplus | $9,395,000 | 1,646 |
| Undivided profits | $1,660,000 | 7,602 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,432,000 | 1,140 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $164,000 | 730 |
| Income earned, not collected on loans | $877,000 | 2,611 |
| Earning assets | $178,930,000 | 2,323 |
| Long-term assets (5+ years) | $13,483,000 | 3,612 |
| Average Assets, year-to-date | $164,251,800 | 2,601 |
| Average Assets, quarterly | $183,674,500 | 2,403 |
| Volatile liabilities | $48,320,000 | 1,453 |
| Insider loans | $418,000 | 5,876 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $944,000 | 841 |
| Unused loan commitments | $18,453,000 | 2,255 |
| Tier 1 (core) risk-based capital | $13,108,000 | 3,228 |
| Tier 2 risk-based capital | $1,114,000 | 2,658 |
| Total risk weighted assets | $135,124,000 | 2,067 |
| Total unused commitments | $18,453,000 | 2,261 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 81 | 2,316 |
| Assets and Liabilities | ||
| Total Assets: | $139,468,000 | 3,252 |
| Cash and due from depository institutions | $2,997,000 | 2,316 |
| Interest-bearing balances | $168,000 | 4,208 |
| Securities | $18,617,000 | 5,562 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $112,953,000 | 2,493 |
| Loan loss allowance | $1,009,000 | 3,476 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $3,612,000 | 2,192 |
| Other real estate owned | $0 | 2,316 |
| Goodwill and other intangibles | $41,000 | 2,901 |
| All other assets | $1,248,000 | 5,338 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $139,468,000 | 3,252 |
| Total liabilities | $129,152,000 | 3,167 |
| Total deposits | $118,815,000 | 3,210 |
| Interest-bearing deposits | $109,994,000 | 2,995 |
| Deposits held in domestic offices | $118,815,000 | 3,200 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $9,378,000 | 1,388 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $959,000 | 3,651 |
| Total equity capital | $10,316,000 | 4,239 |
| Total bank equity capital | $10,316,000 | 4,239 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,264,000 | 1,729 |
| Surplus | $7,395,000 | 2,092 |
| Undivided profits | $657,000 | 9,523 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,336,000 | 2,138 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $210,000 | 612 |
| Income earned, not collected on loans | $669,000 | 3,447 |
| Earning assets | $131,738,000 | 3,159 |
| Long-term assets (5+ years) | $8,912,000 | 4,476 |
| Average Assets, year-to-date | $110,854,800 | 3,866 |
| Average Assets, quarterly | $134,392,500 | 3,320 |
| Volatile liabilities | $21,303,000 | 2,763 |
| Insider loans | $509,000 | 5,474 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $12,498,000 | 2,888 |
| Tier 1 (core) risk-based capital | $10,220,000 | 4,163 |
| Tier 2 risk-based capital | $1,009,000 | 2,938 |
| Total risk weighted assets | $98,698,500 | 2,813 |
| Total unused commitments | $12,498,000 | 2,903 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 40 | 4,695 |
| Assets and Liabilities | ||
| Total Assets: | $73,510,000 | 5,734 |
| Cash and due from depository institutions | $1,773,000 | 4,695 |
| Interest-bearing balances | $3,000 | 6,704 |
| Securities | $7,119,000 | 9,344 |
| Federal funds sold & reverse repurchase agreements | $945,000 | 7,460 |
| Net loans & leases | $62,008,000 | 4,153 |
| Loan loss allowance | $453,000 | 6,458 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $933,000 | 6,304 |
| Other real estate owned | $0 | 4,695 |
| Goodwill and other intangibles | $58,000 | 2,596 |
| All other assets | $674,000 | 8,031 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $73,510,000 | 5,734 |
| Total liabilities | $68,046,000 | 5,603 |
| Total deposits | $66,429,000 | 5,494 |
| Interest-bearing deposits | $61,718,000 | 5,175 |
| Deposits held in domestic offices | $66,429,000 | 5,484 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $1,037,000 | 2,853 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $580,000 | 5,606 |
| Total equity capital | $5,464,000 | 6,958 |
| Total bank equity capital | $5,464,000 | 6,958 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,064,000 | 1,909 |
| Surplus | $3,095,000 | 4,104 |
| Undivided profits | $305,000 | 10,741 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $116,000 | 7,979 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $378,000 | 6,079 |
| Earning assets | $70,075,000 | 5,563 |
| Long-term assets (5+ years) | $2,334,000 | 7,574 |
| Average Assets, year-to-date | $63,498,000 | 6,185 |
| Average Assets, quarterly | $71,948,000 | 5,772 |
| Volatile liabilities | $10,963,000 | 4,284 |
| Insider loans | $754,000 | 4,486 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $9,864,000 | 3,308 |
| Tier 1 (core) risk-based capital | $5,273,000 | 6,991 |
| Tier 2 risk-based capital | $453,000 | 5,692 |
| Total risk weighted assets | $51,791,200 | 4,891 |
| Total unused commitments | $9,864,000 | 3,323 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 25 | 7,052 |
| Assets and Liabilities | ||
| Total Assets: | $46,598,000 | 7,826 |
| Cash and due from depository institutions | $881,000 | 7,052 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $12,793,000 | 7,786 |
| Federal funds sold & reverse repurchase agreements | $2,825,000 | 2,940 |
| Net loans & leases | $28,892,000 | 7,202 |
| Loan loss allowance | $160,000 | 10,525 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $513,000 | 8,406 |
| Other real estate owned | $0 | 7,052 |
| Goodwill and other intangibles | $76,000 | 2,391 |
| All other assets | $618,000 | 8,770 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $46,598,000 | 7,826 |
| Total liabilities | $42,068,000 | 7,818 |
| Total deposits | $41,863,000 | 7,619 |
| Interest-bearing deposits | $39,640,000 | 7,134 |
| Deposits held in domestic offices | $41,863,000 | 7,610 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $205,000 | 8,909 |
| Total equity capital | $4,530,000 | 7,614 |
| Total bank equity capital | $4,530,000 | 7,614 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,064,000 | 1,965 |
| Surplus | $3,095,000 | 4,034 |
| Undivided profits | $-629,000 | 12,070 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 11,640 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $164,000 | 9,335 |
| Earning assets | $44,510,000 | 7,604 |
| Long-term assets (5+ years) | $211,000 | 10,564 |
| Average Assets, year-to-date | $31,287,330 | 9,529 |
| Average Assets, quarterly | $38,535,000 | 8,712 |
| Volatile liabilities | $18,591,000 | 2,682 |
| Insider loans | $700,000 | 4,677 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $7,389,000 | 3,854 |
| Tier 1 (core) risk-based capital | $4,686,000 | 7,541 |
| Tier 2 risk-based capital | $160,000 | 9,917 |
| Total risk weighted assets | $25,544,100 | 7,938 |
| Total unused commitments | $7,389,000 | 3,861 |
| Derivatives | $0 | 687 |