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Bank of Ferrum, Changes in Bank Equity Capital
| 1998-12-31 | Rank | |
| Amended balance at previous year-end | $8,076,000 | 4,756 |
| Restatements from amended reports of income, net | $0 | 175 |
| Net income | $958,000 | 4,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 426 |
| Cash dividends declared on preferred stock | $0 | 140 |
| Cash dividends declared on common stock | $501,000 | 3,471 |
| Other comprehensive income | $72,000 | 2,342 |
| Other transactions with parent holding company | $0 | 715 |
| Bank equity capital | $8,605,000 | 4,909 |
| 1997-12-31 | Rank | |
| Amended balance at previous year-end | $7,294,000 | 5,136 |
| Restatements from amended reports of income, net | $0 | 377 |
| Net income | $1,252,000 | 3,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 439 |
| Cash dividends declared on preferred stock | $0 | 167 |
| Cash dividends declared on common stock | $500,000 | 3,426 |
| Other comprehensive income | $30,000 | 4,755 |
| Other transactions with parent holding company | $0 | 654 |
| Bank equity capital | $8,076,000 | 5,161 |
| 1996-12-31 | Rank | |
| Amended balance at previous year-end | $5,419,000 | 6,526 |
| Restatements from amended reports of income, net | $0 | 197 |
| Net income | $1,066,000 | 4,250 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 441 |
| Cash dividends declared on preferred stock | $0 | 191 |
| Cash dividends declared on common stock | $316,000 | 4,359 |
| Other comprehensive income | $90,000 | 354 |
| Other transactions with parent holding company | $1,035,000 | 209 |
| Bank equity capital | $7,294,000 | 5,635 |
| 1995-12-31 | Rank | |
| Amended balance at previous year-end | $3,932,000 | 7,772 |
| Restatements from amended reports of income, net | $0 | 212 |
| Net income | $971,000 | 4,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 459 |
| Cash dividends declared on preferred stock | $0 | 191 |
| Cash dividends declared on common stock | $277,000 | 4,705 |
| Other comprehensive income | $793,000 | 1,908 |
| Other transactions with parent holding company | $0 | 524 |
| Bank equity capital | $5,419,000 | 7,000 |
| 1994-12-31 | Rank | |
| Amended balance at previous year-end | $4,458,000 | 7,411 |
| Restatements from amended reports of income, net | $0 | 244 |
| Net income | $679,000 | 6,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 449 |
| Cash dividends declared on preferred stock | $0 | 211 |
| Cash dividends declared on common stock | $221,000 | 5,189 |
| Other comprehensive income | $-1,019,000 | 9,769 |
| Other transactions with parent holding company | $35,000 | 495 |
| Bank equity capital | $3,932,000 | 8,264 |
| 1993-12-31 | Rank | |
| Amended balance at previous year-end | $3,915,000 | 7,978 |
| Restatements from amended reports of income, net | $0 | 249 |
| Net income | $737,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 420 |
| Cash dividends declared on preferred stock | $0 | 217 |
| Cash dividends declared on common stock | $194,000 | 5,515 |
| Other comprehensive income | $0 | 1,984 |
| Other transactions with parent holding company | $0 | 566 |
| Bank equity capital | $4,458,000 | 7,846 |
| 1992-12-31 | Rank | |
| Amended balance at previous year-end | $3,444,000 | 8,524 |
| Restatements from amended reports of income, net | $0 | 350 |
| Net income | $630,000 | 6,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net treasury stock transactions | NA | NA |
| Changes incidental to business combinations, net | $0 | 366 |
| Cash dividends declared on preferred stock | $0 | 200 |
| Cash dividends declared on common stock | $159,000 | 5,602 |
| Other comprehensive income | $0 | 551 |
| Other transactions with parent holding company | $0 | 777 |
| Bank equity capital | $3,915,000 | 8,371 |