Home > Bedford Federal Savings Bank > Assets and Liabilities
Bedford Federal Savings Bank, Assets and Liabilities
| 2006-03-31 | Rank | |
| # of Employees: | 40 | 4,018 |
| Assets and Liabilities | ||
| Total Assets: | $313,182,000 | 2,020 |
| Cash and due from depository institutions | $3,857,000 | 4,018 |
| Interest-bearing balances | $210,000 | 4,120 |
| Securities | $11,527,000 | 5,967 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,312 |
| Net loans & leases | $265,619,000 | 1,652 |
| Loan loss allowance | $2,051,000 | 2,362 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $2,951,000 | 3,476 |
| Other real estate owned | $183,000 | 4,018 |
| Goodwill and other intangibles | $23,404,000 | 378 |
| All other assets | $5,641,000 | 2,657 |
| Life insurance assets | $0 | 4,002 |
| Total liabilities and capital | $313,182,000 | 2,020 |
| Total liabilities | $264,745,000 | 2,130 |
| Total deposits | $218,672,000 | 2,319 |
| Interest-bearing deposits | $194,298,000 | 2,205 |
| Deposits held in domestic offices | $218,672,000 | 2,315 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $14,500,000 | 934 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $29,375,000 | 1,346 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $2,198,000 | 2,027 |
| Total equity capital | $48,437,000 | 1,272 |
| Total bank equity capital | $48,437,000 | 1,272 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $10,000 | 7,689 |
| Surplus | $29,819,000 | 932 |
| Undivided profits | $18,608,000 | 1,809 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,471,000 | 1,075 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,164 |
| Income earned, not collected on loans | $1,285,000 | 2,774 |
| Earning assets | $277,356,000 | 2,092 |
| Long-term assets (5+ years) | $45,818,000 | 1,894 |
| Average Assets, year-to-date | $309,608,000 | 2,019 |
| Average Assets, quarterly | $309,608,000 | 2,019 |
| Volatile liabilities | $56,531,000 | 2,258 |
| Insider loans | $2,648,000 | 2,365 |
| FHLB advances | $29,375,000 | 1,270 |
| Loans and leases held for sale | $0 | 1,721 |
| Unused loan commitments | $67,042,000 | 1,445 |
| Tier 1 (core) risk-based capital | $25,327,000 | 2,389 |
| Tier 2 risk-based capital | $2,051,000 | 2,257 |
| Total risk weighted assets | $232,119,000 | 1,940 |
| Total unused commitments | $67,042,000 | 1,445 |
| Derivatives | $0 | 990 |
| 2005-12-31 | Rank | |
| # of Employees: | 42 | 3,855 |
| Assets and Liabilities | ||
| Total Assets: | $306,034,000 | 2,038 |
| Cash and due from depository institutions | $5,929,000 | 3,855 |
| Interest-bearing balances | $437,000 | 3,470 |
| Securities | $11,713,000 | 5,970 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,145 |
| Net loans & leases | $256,009,000 | 1,692 |
| Loan loss allowance | $1,975,000 | 2,406 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $2,977,000 | 3,437 |
| Other real estate owned | $202,000 | 3,855 |
| Goodwill and other intangibles | $23,509,000 | 364 |
| All other assets | $5,695,000 | 2,618 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $306,034,000 | 2,038 |
| Total liabilities | $258,435,000 | 2,167 |
| Total deposits | $210,090,000 | 2,385 |
| Interest-bearing deposits | $187,071,000 | 2,251 |
| Deposits held in domestic offices | $210,090,000 | 2,380 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $11,000,000 | 1,096 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $35,453,000 | 1,191 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $1,892,000 | 2,227 |
| Total equity capital | $47,599,000 | 1,282 |
| Total bank equity capital | $47,599,000 | 1,282 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $10,000 | 7,727 |
| Surplus | $29,819,000 | 912 |
| Undivided profits | $17,770,000 | 1,874 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,051,000 | 856 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $1,244,000 | 2,857 |
| Earning assets | $268,159,000 | 2,126 |
| Long-term assets (5+ years) | $44,201,000 | 1,933 |
| Average Assets, year-to-date | $312,039,000 | 1,906 |
| Average Assets, quarterly | $307,327,500 | 1,999 |
| Volatile liabilities | $57,095,000 | 2,214 |
| Insider loans | $2,680,000 | 2,302 |
| FHLB advances | $35,453,000 | 1,099 |
| Loans and leases held for sale | $0 | 1,743 |
| Unused loan commitments | $68,450,000 | 1,378 |
| Tier 1 (core) risk-based capital | $24,323,000 | 2,441 |
| Tier 2 risk-based capital | $1,975,000 | 2,309 |
| Total risk weighted assets | $224,405,000 | 1,968 |
| Total unused commitments | $68,450,000 | 1,378 |
| Derivatives | $0 | 930 |
| 2005-09-30 | Rank | |
| # of Employees: | 43 | 3,774 |
| Assets and Liabilities | ||
| Total Assets: | $308,621,000 | 1,984 |
| Cash and due from depository institutions | $3,968,000 | 3,774 |
| Interest-bearing balances | $1,293,000 | 2,423 |
| Securities | $12,011,000 | 5,902 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,951 |
| Net loans & leases | $258,463,000 | 1,630 |
| Loan loss allowance | $2,191,000 | 2,197 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $3,004,000 | 3,383 |
| Other real estate owned | $280,000 | 3,774 |
| Goodwill and other intangibles | $23,628,000 | 341 |
| All other assets | $7,267,000 | 2,115 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $308,621,000 | 1,984 |
| Total liabilities | $260,044,000 | 2,100 |
| Total deposits | $205,148,000 | 2,392 |
| Interest-bearing deposits | $179,756,000 | 2,299 |
| Deposits held in domestic offices | $205,148,000 | 2,386 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $6,361,000 | 1,452 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $46,729,000 | 969 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $1,806,000 | 2,249 |
| Total equity capital | $48,577,000 | 1,243 |
| Total bank equity capital | $48,577,000 | 1,243 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $10,000 | 7,752 |
| Surplus | $29,819,000 | 877 |
| Undivided profits | $18,748,000 | 1,811 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,684,000 | 719 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $1,093,000 | 3,170 |
| Earning assets | $271,767,000 | 2,057 |
| Long-term assets (5+ years) | $53,680,000 | 1,681 |
| Average Assets, year-to-date | $313,540,250 | 1,874 |
| Average Assets, quarterly | $312,622,000 | 1,942 |
| Volatile liabilities | $62,004,000 | 2,004 |
| Insider loans | $2,709,000 | 2,276 |
| FHLB advances | $46,729,000 | 889 |
| Loans and leases held for sale | $0 | 1,843 |
| Unused loan commitments | $67,033,000 | 1,376 |
| Tier 1 (core) risk-based capital | $25,058,000 | 2,346 |
| Tier 2 risk-based capital | $2,191,000 | 2,091 |
| Total risk weighted assets | $225,284,000 | 1,900 |
| Total unused commitments | $67,033,000 | 1,376 |
| Derivatives | $0 | 909 |
| 2005-06-30 | Rank | |
| # of Employees: | 41 | 3,935 |
| Assets and Liabilities | ||
| Total Assets: | $316,623,000 | 1,889 |
| Cash and due from depository institutions | $7,779,000 | 3,935 |
| Interest-bearing balances | $1,212,000 | 2,507 |
| Securities | $12,224,000 | 5,917 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,776 |
| Net loans & leases | $263,590,000 | 1,570 |
| Loan loss allowance | $2,339,000 | 2,046 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $2,986,000 | 3,337 |
| Other real estate owned | $397,000 | 3,935 |
| Goodwill and other intangibles | $22,945,000 | 339 |
| All other assets | $6,702,000 | 2,163 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $316,623,000 | 1,889 |
| Total liabilities | $269,050,000 | 1,994 |
| Total deposits | $195,055,000 | 2,459 |
| Interest-bearing deposits | $171,189,000 | 2,362 |
| Deposits held in domestic offices | $195,055,000 | 2,454 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $11,700,000 | 1,055 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $61,375,000 | 779 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $920,000 | 3,436 |
| Total equity capital | $47,573,000 | 1,253 |
| Total bank equity capital | $47,573,000 | 1,253 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $10,000 | 7,756 |
| Surplus | $29,819,000 | 860 |
| Undivided profits | $17,744,000 | 1,875 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,195,000 | 807 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $1,141,000 | 2,796 |
| Earning assets | $277,026,000 | 1,982 |
| Long-term assets (5+ years) | $66,295,000 | 1,427 |
| Average Assets, year-to-date | $315,180,000 | 1,854 |
| Average Assets, quarterly | $315,665,500 | 1,868 |
| Volatile liabilities | $69,509,000 | 1,744 |
| Insider loans | $2,598,000 | 2,315 |
| FHLB advances | $61,375,000 | 714 |
| Loans and leases held for sale | $0 | 1,818 |
| Unused loan commitments | $70,659,000 | 1,265 |
| Tier 1 (core) risk-based capital | $24,696,000 | 2,317 |
| Tier 2 risk-based capital | $2,339,000 | 1,962 |
| Total risk weighted assets | $226,309,000 | 1,865 |
| Total unused commitments | $70,659,000 | 1,265 |
| Derivatives | $0 | 866 |
| 2005-03-31 | Rank | |
| # of Employees: | 39 | 4,079 |
| Assets and Liabilities | ||
| Total Assets: | $314,708,000 | 1,873 |
| Cash and due from depository institutions | $6,908,000 | 4,079 |
| Interest-bearing balances | $1,116,000 | 2,596 |
| Securities | $12,068,000 | 6,035 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,340 |
| Net loans & leases | $262,459,000 | 1,527 |
| Loan loss allowance | $2,097,000 | 2,228 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $2,971,000 | 3,326 |
| Other real estate owned | $452,000 | 4,079 |
| Goodwill and other intangibles | $23,064,000 | 330 |
| All other assets | $6,786,000 | 2,135 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $314,708,000 | 1,873 |
| Total liabilities | $267,498,000 | 1,977 |
| Total deposits | $201,723,000 | 2,375 |
| Interest-bearing deposits | $177,635,000 | 2,288 |
| Deposits held in domestic offices | $201,723,000 | 2,370 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $800,000 | 2,711 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $63,522,000 | 734 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $1,453,000 | 2,447 |
| Total equity capital | $47,210,000 | 1,222 |
| Total bank equity capital | $47,210,000 | 1,222 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $10,000 | 7,819 |
| Surplus | $29,819,000 | 839 |
| Undivided profits | $17,381,000 | 1,873 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $876,000 | 2,597 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $1,130,000 | 2,718 |
| Earning assets | $275,643,000 | 1,956 |
| Long-term assets (5+ years) | $76,209,000 | 1,285 |
| Average Assets, year-to-date | $314,458,500 | 1,861 |
| Average Assets, quarterly | $314,458,500 | 1,861 |
| Volatile liabilities | $61,333,000 | 1,846 |
| Insider loans | $1,918,000 | 2,828 |
| FHLB advances | $63,522,000 | 668 |
| Loans and leases held for sale | $0 | 1,762 |
| Unused loan commitments | $74,670,000 | 1,182 |
| Tier 1 (core) risk-based capital | $24,388,000 | 2,291 |
| Tier 2 risk-based capital | $2,097,000 | 2,127 |
| Total risk weighted assets | $224,384,000 | 1,847 |
| Total unused commitments | $74,670,000 | 1,182 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 49 | 3,389 |
| Assets and Liabilities | ||
| Total Assets: | $314,209,000 | 1,872 |
| Cash and due from depository institutions | $8,332,000 | 3,389 |
| Interest-bearing balances | $1,129,000 | 2,651 |
| Securities | $12,351,000 | 5,997 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,164 |
| Net loans & leases | $261,669,000 | 1,511 |
| Loan loss allowance | $1,996,000 | 2,316 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $1,769,000 | 4,598 |
| Other real estate owned | $283,000 | 3,389 |
| Goodwill and other intangibles | $23,183,000 | 329 |
| All other assets | $6,622,000 | 2,139 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $314,209,000 | 1,872 |
| Total liabilities | $267,667,000 | 1,975 |
| Total deposits | $202,057,000 | 2,343 |
| Interest-bearing deposits | $180,063,000 | 2,217 |
| Deposits held in domestic offices | $202,057,000 | 2,338 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,100,000 | 2,645 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $63,669,000 | 752 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $841,000 | 3,499 |
| Total equity capital | $46,542,000 | 1,237 |
| Total bank equity capital | $46,542,000 | 1,237 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $10,000 | 7,861 |
| Surplus | $29,819,000 | 829 |
| Undivided profits | $16,713,000 | 1,964 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,043,000 | 2,326 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $970,000 | 3,120 |
| Earning assets | $275,149,000 | 1,953 |
| Long-term assets (5+ years) | $82,745,000 | 1,223 |
| Average Assets, year-to-date | $309,144,000 | 1,829 |
| Average Assets, quarterly | $311,813,000 | 1,868 |
| Volatile liabilities | $64,409,000 | 1,725 |
| Insider loans | $2,143,000 | 2,614 |
| FHLB advances | $63,669,000 | 680 |
| Loans and leases held for sale | $0 | 1,753 |
| Unused loan commitments | $67,680,000 | 1,269 |
| Tier 1 (core) risk-based capital | $23,478,000 | 2,352 |
| Tier 2 risk-based capital | $1,996,000 | 2,219 |
| Total risk weighted assets | $220,000,000 | 1,858 |
| Total unused commitments | $67,680,000 | 1,270 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 54 | 3,112 |
| Assets and Liabilities | ||
| Total Assets: | $309,417,000 | 1,887 |
| Cash and due from depository institutions | $9,085,000 | 3,112 |
| Interest-bearing balances | $2,154,000 | 2,012 |
| Securities | $12,674,000 | 5,937 |
| Federal funds sold & reverse repurchase agreements | $1,500,000 | 4,024 |
| Net loans & leases | $255,848,000 | 1,505 |
| Loan loss allowance | $1,849,000 | 2,459 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $1,945,000 | 4,317 |
| Other real estate owned | $233,000 | 3,112 |
| Goodwill and other intangibles | $23,317,000 | 320 |
| All other assets | $4,815,000 | 2,695 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $309,417,000 | 1,887 |
| Total liabilities | $258,055,000 | 2,011 |
| Total deposits | $203,846,000 | 2,293 |
| Interest-bearing deposits | $180,090,000 | 2,184 |
| Deposits held in domestic offices | $203,846,000 | 2,287 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,678 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $53,345,000 | 857 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $864,000 | 3,547 |
| Total equity capital | $51,362,000 | 1,113 |
| Total bank equity capital | $51,362,000 | 1,113 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $10,000 | 7,904 |
| Surplus | $29,819,000 | 804 |
| Undivided profits | $21,533,000 | 1,585 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,050,000 | 2,488 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $988,000 | 3,162 |
| Earning assets | $272,176,000 | 1,950 |
| Long-term assets (5+ years) | $0 | 8,028 |
| Average Assets, year-to-date | $307,877,750 | 1,839 |
| Average Assets, quarterly | $309,291,500 | 1,876 |
| Volatile liabilities | $98,979,000 | 1,192 |
| Insider loans | $275,000 | 6,357 |
| FHLB advances | $53,345,000 | 773 |
| Loans and leases held for sale | $0 | 1,808 |
| Unused loan commitments | $63,731,000 | 1,303 |
| Tier 1 (core) risk-based capital | $28,045,000 | 1,950 |
| Tier 2 risk-based capital | $1,849,000 | 2,321 |
| Total risk weighted assets | $188,707,000 | 2,096 |
| Total unused commitments | $63,731,000 | 1,304 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 52 | 3,254 |
| Assets and Liabilities | ||
| Total Assets: | $309,166,000 | 1,867 |
| Cash and due from depository institutions | $3,419,000 | 3,254 |
| Interest-bearing balances | $2,333,000 | 1,952 |
| Securities | $16,367,000 | 5,335 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,884 |
| Net loans & leases | $258,934,000 | 1,447 |
| Loan loss allowance | $1,736,000 | 2,594 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $1,960,000 | 4,274 |
| Other real estate owned | $354,000 | 3,254 |
| Goodwill and other intangibles | $23,450,000 | 310 |
| All other assets | $4,682,000 | 2,733 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $309,166,000 | 1,867 |
| Total liabilities | $258,399,000 | 1,984 |
| Total deposits | $196,486,000 | 2,352 |
| Interest-bearing deposits | $171,849,000 | 2,266 |
| Deposits held in domestic offices | $196,486,000 | 2,347 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,000,000 | 1,822 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $57,091,000 | 822 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $822,000 | 3,373 |
| Total equity capital | $50,767,000 | 1,087 |
| Total bank equity capital | $50,767,000 | 1,087 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $10,000 | 7,957 |
| Surplus | $29,819,000 | 787 |
| Undivided profits | $20,938,000 | 1,533 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,528,000 | 1,817 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $1,119,000 | 2,632 |
| Earning assets | $277,634,000 | 1,899 |
| Long-term assets (5+ years) | $0 | 8,066 |
| Average Assets, year-to-date | $307,364,670 | 1,836 |
| Average Assets, quarterly | $308,841,000 | 1,841 |
| Volatile liabilities | $98,990,000 | 1,146 |
| Insider loans | $2,293,000 | 2,417 |
| FHLB advances | $57,091,000 | 745 |
| Loans and leases held for sale | $0 | 1,820 |
| Unused loan commitments | $57,251,000 | 1,397 |
| Tier 1 (core) risk-based capital | $27,592,000 | 1,926 |
| Tier 2 risk-based capital | $1,736,000 | 2,413 |
| Total risk weighted assets | $189,488,000 | 2,040 |
| Total unused commitments | $57,251,000 | 1,400 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 51 | 3,290 |
| Assets and Liabilities | ||
| Total Assets: | $308,516,000 | 1,847 |
| Cash and due from depository institutions | $7,318,000 | 3,290 |
| Interest-bearing balances | $4,473,000 | 1,420 |
| Securities | $14,675,000 | 5,625 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,767 |
| Net loans & leases | $255,662,000 | 1,439 |
| Loan loss allowance | $1,753,000 | 2,544 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $1,951,000 | 4,261 |
| Other real estate owned | $425,000 | 3,290 |
| Goodwill and other intangibles | $23,582,000 | 294 |
| All other assets | $4,903,000 | 2,523 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $308,516,000 | 1,847 |
| Total liabilities | $257,771,000 | 1,980 |
| Total deposits | $189,171,000 | 2,405 |
| Interest-bearing deposits | $166,183,000 | 2,314 |
| Deposits held in domestic offices | $189,171,000 | 2,399 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $8,800,000 | 1,150 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $58,836,000 | 738 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $964,000 | 3,312 |
| Total equity capital | $50,745,000 | 1,104 |
| Total bank equity capital | $50,745,000 | 1,104 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $10,000 | 7,982 |
| Surplus | $29,819,000 | 775 |
| Undivided profits | $20,916,000 | 1,613 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,980,000 | 1,508 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $1,123,000 | 2,565 |
| Earning assets | $274,810,000 | 1,885 |
| Long-term assets (5+ years) | $0 | 8,096 |
| Average Assets, year-to-date | $306,464,000 | 1,834 |
| Average Assets, quarterly | $306,464,000 | 1,834 |
| Volatile liabilities | $103,742,000 | 1,068 |
| Insider loans | $2,462,000 | 2,247 |
| FHLB advances | $58,836,000 | 664 |
| Loans and leases held for sale | $0 | 1,884 |
| Unused loan commitments | $49,226,000 | 1,531 |
| Tier 1 (core) risk-based capital | $27,091,000 | 1,942 |
| Tier 2 risk-based capital | $1,753,000 | 2,358 |
| Total risk weighted assets | $185,996,000 | 2,033 |
| Total unused commitments | $49,226,000 | 1,534 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 46 | 3,627 |
| Assets and Liabilities | ||
| Total Assets: | $304,412,000 | 1,848 |
| Cash and due from depository institutions | $7,132,000 | 3,627 |
| Interest-bearing balances | $2,181,000 | 2,092 |
| Securities | $17,546,000 | 5,168 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,359 |
| Net loans & leases | $247,941,000 | 1,464 |
| Loan loss allowance | $1,582,000 | 2,765 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $1,949,000 | 4,262 |
| Other real estate owned | $426,000 | 3,627 |
| Goodwill and other intangibles | $23,948,000 | 297 |
| All other assets | $5,470,000 | 2,332 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $304,412,000 | 1,848 |
| Total liabilities | $254,012,000 | 1,992 |
| Total deposits | $183,972,000 | 2,467 |
| Interest-bearing deposits | $183,972,000 | 2,098 |
| Deposits held in domestic offices | $183,972,000 | 2,463 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,433 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $68,632,000 | 674 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $1,408,000 | 2,442 |
| Total equity capital | $50,400,000 | 1,094 |
| Total bank equity capital | $50,400,000 | 1,094 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $10,000 | 8,040 |
| Surplus | $29,818,000 | 772 |
| Undivided profits | $20,572,000 | 1,593 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $880,000 | 2,948 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $1,077,000 | 2,788 |
| Earning assets | $267,668,000 | 1,913 |
| Long-term assets (5+ years) | $0 | 8,140 |
| Average Assets, year-to-date | $279,692,200 | 1,929 |
| Average Assets, quarterly | $303,983,500 | 1,837 |
| Volatile liabilities | $104,853,000 | 1,062 |
| Insider loans | $283,000 | 6,372 |
| FHLB advances | $68,632,000 | 595 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $55,303,000 | 1,337 |
| Tier 1 (core) risk-based capital | $26,434,000 | 1,974 |
| Tier 2 risk-based capital | $1,582,000 | 2,561 |
| Total risk weighted assets | $181,590,000 | 2,067 |
| Total unused commitments | $72,868,000 | 1,095 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 55 | 3,116 |
| Assets and Liabilities | ||
| Total Assets: | $303,555,000 | 1,867 |
| Cash and due from depository institutions | $9,400,000 | 3,116 |
| Interest-bearing balances | $3,456,000 | 1,755 |
| Securities | $19,664,000 | 4,782 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,602 |
| Net loans & leases | $242,901,000 | 1,485 |
| Loan loss allowance | $1,457,000 | 2,958 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,993,000 | 4,193 |
| Other real estate owned | $355,000 | 3,116 |
| Goodwill and other intangibles | $23,934,000 | 304 |
| All other assets | $5,308,000 | 2,383 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $303,555,000 | 1,867 |
| Total liabilities | $253,553,000 | 1,994 |
| Total deposits | $186,889,000 | 2,418 |
| Interest-bearing deposits | $186,889,000 | 2,080 |
| Deposits held in domestic offices | $186,889,000 | 2,413 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,347 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $65,436,000 | 689 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $1,228,000 | 2,801 |
| Total equity capital | $50,002,000 | 1,108 |
| Total bank equity capital | $50,002,000 | 1,108 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $10,000 | 8,092 |
| Surplus | $29,805,000 | 770 |
| Undivided profits | $20,187,000 | 1,633 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $136,000 | 6,566 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $1,138,000 | 2,779 |
| Earning assets | $266,021,000 | 1,938 |
| Long-term assets (5+ years) | $0 | 8,204 |
| Average Assets, year-to-date | $273,512,250 | 1,984 |
| Average Assets, quarterly | $287,124,500 | 1,945 |
| Volatile liabilities | $100,090,000 | 1,070 |
| Insider loans | $297,000 | 6,339 |
| FHLB advances | $65,436,000 | 609 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $58,265,000 | 1,318 |
| Tier 1 (core) risk-based capital | $26,055,000 | 2,001 |
| Tier 2 risk-based capital | $1,457,000 | 2,714 |
| Total risk weighted assets | $178,934,000 | 2,069 |
| Total unused commitments | $72,680,000 | 1,119 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 54 | 3,162 |
| Assets and Liabilities | ||
| Total Assets: | $270,694,000 | 2,052 |
| Cash and due from depository institutions | $14,205,000 | 3,162 |
| Interest-bearing balances | $4,359,000 | 1,656 |
| Securities | $15,314,000 | 5,422 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,888 |
| Net loans & leases | $234,337,000 | 1,526 |
| Loan loss allowance | $1,343,000 | 3,115 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $1,211,000 | 5,434 |
| Other real estate owned | $355,000 | 3,162 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $5,272,000 | 2,300 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $270,694,000 | 2,052 |
| Total liabilities | $246,606,000 | 2,019 |
| Total deposits | $184,468,000 | 2,436 |
| Interest-bearing deposits | $160,761,000 | 2,369 |
| Deposits held in domestic offices | $184,468,000 | 2,431 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,266 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $61,000,000 | 723 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $1,138,000 | 3,032 |
| Total equity capital | $24,088,000 | 2,287 |
| Total bank equity capital | $24,088,000 | 2,287 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $10,000 | 8,122 |
| Surplus | $5,960,000 | 2,904 |
| Undivided profits | $18,118,000 | 1,820 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $153,000 | 6,434 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $1,057,000 | 2,890 |
| Earning assets | $254,010,000 | 2,001 |
| Long-term assets (5+ years) | $0 | 8,230 |
| Average Assets, year-to-date | $263,498,000 | 2,056 |
| Average Assets, quarterly | $266,570,000 | 2,057 |
| Volatile liabilities | $97,766,000 | 1,081 |
| Insider loans | $3,409,000 | 1,618 |
| FHLB advances | $61,000,000 | 647 |
| Loans and leases held for sale | $0 | 2,044 |
| Unused loan commitments | $56,010,000 | 1,316 |
| Tier 1 (core) risk-based capital | $23,988,000 | 2,145 |
| Tier 2 risk-based capital | $1,343,000 | 2,864 |
| Total risk weighted assets | $171,261,000 | 2,126 |
| Total unused commitments | $56,010,000 | 1,327 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 54 | 3,142 |
| Assets and Liabilities | ||
| Total Assets: | $262,446,000 | 2,070 |
| Cash and due from depository institutions | $17,111,000 | 3,142 |
| Interest-bearing balances | $10,328,000 | 832 |
| Securities | $8,323,000 | 6,885 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,247 |
| Net loans & leases | $230,797,000 | 1,510 |
| Loan loss allowance | $1,309,000 | 3,139 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $1,216,000 | 5,413 |
| Other real estate owned | $126,000 | 3,142 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $4,873,000 | 2,412 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $262,446,000 | 2,070 |
| Total liabilities | $239,120,000 | 2,048 |
| Total deposits | $181,315,000 | 2,456 |
| Interest-bearing deposits | $159,377,000 | 2,390 |
| Deposits held in domestic offices | $181,315,000 | 2,452 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,057 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $57,000,000 | 732 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $805,000 | 3,870 |
| Total equity capital | $23,326,000 | 2,296 |
| Total bank equity capital | $23,326,000 | 2,296 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $10,000 | 8,162 |
| Surplus | $5,960,000 | 2,861 |
| Undivided profits | $17,356,000 | 1,835 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $546,000 | 4,105 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $1,078,000 | 2,848 |
| Earning assets | $249,448,000 | 2,006 |
| Long-term assets (5+ years) | $0 | 8,263 |
| Average Assets, year-to-date | $259,900,000 | 2,063 |
| Average Assets, quarterly | $259,900,000 | 2,063 |
| Volatile liabilities | $91,836,000 | 1,113 |
| Insider loans | $2,980,000 | 1,816 |
| FHLB advances | $57,000,000 | 655 |
| Loans and leases held for sale | $0 | 1,961 |
| Unused loan commitments | $43,421,000 | 1,551 |
| Tier 1 (core) risk-based capital | $23,221,000 | 2,164 |
| Tier 2 risk-based capital | $1,309,000 | 2,878 |
| Total risk weighted assets | $166,224,000 | 2,138 |
| Total unused commitments | $53,421,000 | 1,324 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 54 | 3,119 |
| Assets and Liabilities | ||
| Total Assets: | $257,354,000 | 2,074 |
| Cash and due from depository institutions | $10,469,000 | 3,119 |
| Interest-bearing balances | $4,191,000 | 1,587 |
| Securities | $17,240,000 | 5,072 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,991 |
| Net loans & leases | $223,563,000 | 1,563 |
| Loan loss allowance | $1,251,000 | 3,165 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $1,228,000 | 5,367 |
| Other real estate owned | $26,000 | 3,119 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $4,828,000 | 2,400 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $257,354,000 | 2,074 |
| Total liabilities | $234,807,000 | 2,054 |
| Total deposits | $179,919,000 | 2,420 |
| Interest-bearing deposits | $160,323,000 | 2,322 |
| Deposits held in domestic offices | $179,919,000 | 2,416 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,222 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $54,000,000 | 761 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $888,000 | 3,677 |
| Total equity capital | $22,547,000 | 2,341 |
| Total bank equity capital | $22,547,000 | 2,341 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $10,000 | 8,197 |
| Surplus | $5,960,000 | 2,816 |
| Undivided profits | $16,577,000 | 1,877 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $635,000 | 3,679 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $1,097,000 | 2,935 |
| Earning assets | $244,994,000 | 2,007 |
| Long-term assets (5+ years) | $0 | 8,289 |
| Average Assets, year-to-date | $244,147,000 | 2,086 |
| Average Assets, quarterly | $256,316,000 | 2,065 |
| Volatile liabilities | $89,609,000 | 1,130 |
| Insider loans | $2,919,000 | 1,820 |
| FHLB advances | $54,000,000 | 672 |
| Loans and leases held for sale | $0 | 1,889 |
| Unused loan commitments | $40,500,000 | 1,568 |
| Tier 1 (core) risk-based capital | $22,399,000 | 2,212 |
| Tier 2 risk-based capital | $1,251,000 | 2,939 |
| Total risk weighted assets | $163,867,000 | 2,141 |
| Total unused commitments | $40,500,000 | 1,574 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 49 | 3,425 |
| Assets and Liabilities | ||
| Total Assets: | $222,843,000 | 2,283 |
| Cash and due from depository institutions | $9,442,000 | 3,425 |
| Interest-bearing balances | $4,096,000 | 1,467 |
| Securities | $15,413,000 | 5,291 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,110 |
| Net loans & leases | $192,404,000 | 1,710 |
| Loan loss allowance | $1,019,000 | 3,547 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $1,256,000 | 5,323 |
| Other real estate owned | $26,000 | 3,425 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $4,302,000 | 2,512 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $222,843,000 | 2,283 |
| Total liabilities | $201,044,000 | 2,288 |
| Total deposits | $152,342,000 | 2,670 |
| Interest-bearing deposits | $137,215,000 | 2,562 |
| Deposits held in domestic offices | $152,342,000 | 2,664 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,416 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $48,000,000 | 787 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $702,000 | 4,429 |
| Total equity capital | $21,799,000 | 2,257 |
| Total bank equity capital | $21,799,000 | 2,257 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $10,000 | 8,417 |
| Surplus | $5,960,000 | 2,704 |
| Undivided profits | $15,829,000 | 1,808 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $193,000 | 6,039 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $1,228,000 | 2,828 |
| Earning assets | $211,913,000 | 2,198 |
| Long-term assets (5+ years) | $0 | 8,482 |
| Average Assets, year-to-date | $206,728,000 | 2,353 |
| Average Assets, quarterly | $218,467,000 | 2,306 |
| Volatile liabilities | $72,341,000 | 1,304 |
| Insider loans | $1,319,000 | 3,261 |
| FHLB advances | $48,000,000 | 693 |
| Loans and leases held for sale | $0 | 1,749 |
| Unused loan commitments | $27,837,000 | 1,984 |
| Tier 1 (core) risk-based capital | $21,847,000 | 2,139 |
| Tier 2 risk-based capital | $1,019,000 | 3,309 |
| Total risk weighted assets | $138,667,000 | 2,408 |
| Total unused commitments | $28,337,000 | 1,955 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 50 | 3,349 |
| Assets and Liabilities | ||
| Total Assets: | $193,115,000 | 2,512 |
| Cash and due from depository institutions | $4,065,000 | 3,349 |
| Interest-bearing balances | $0 | 6,829 |
| Securities | $7,977,000 | 7,363 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,010 |
| Net loans & leases | $175,661,000 | 1,806 |
| Loan loss allowance | $866,000 | 3,908 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $1,349,000 | 5,144 |
| Other real estate owned | $26,000 | 3,349 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $4,037,000 | 2,193 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $193,115,000 | 2,512 |
| Total liabilities | $171,284,000 | 2,560 |
| Total deposits | $131,076,000 | 2,983 |
| Interest-bearing deposits | $119,748,000 | 2,812 |
| Deposits held in domestic offices | $131,076,000 | 2,979 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,755 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $39,000,000 | 870 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $1,208,000 | 3,090 |
| Total equity capital | $21,831,000 | 2,158 |
| Total bank equity capital | $21,831,000 | 2,158 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $10,000 | 8,692 |
| Surplus | $5,960,000 | 2,629 |
| Undivided profits | $15,861,000 | 1,714 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $894,000 | 2,524 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $1,033,000 | 2,644 |
| Earning assets | $183,638,000 | 2,430 |
| Long-term assets (5+ years) | $0 | 8,706 |
| Average Assets, year-to-date | $184,389,400 | 2,506 |
| Average Assets, quarterly | $190,240,000 | 2,520 |
| Volatile liabilities | $56,487,000 | 1,568 |
| Insider loans | $1,173,000 | 3,473 |
| FHLB advances | $39,000,000 | 254 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $19,746,000 | 2,348 |
| Tier 1 (core) risk-based capital | $21,849,000 | 2,056 |
| Tier 2 risk-based capital | $866,000 | 3,688 |
| Total risk weighted assets | $122,707,000 | 2,587 |
| Total unused commitments | $19,746,000 | 2,351 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 44 | 3,871 |
| Assets and Liabilities | ||
| Total Assets: | $176,904,000 | 2,673 |
| Cash and due from depository institutions | $4,941,000 | 3,871 |
| Interest-bearing balances | $451,000 | 3,243 |
| Securities | $11,124,000 | 6,753 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $155,676,000 | 1,922 |
| Loan loss allowance | $833,000 | 3,967 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,113,000 | 5,735 |
| Other real estate owned | $0 | 3,871 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $4,050,000 | 2,181 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $176,904,000 | 2,673 |
| Total liabilities | $157,560,000 | 2,705 |
| Total deposits | $118,911,000 | 3,185 |
| Interest-bearing deposits | $107,899,000 | 3,023 |
| Deposits held in domestic offices | $118,911,000 | 3,181 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $38,000,000 | 876 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $649,000 | 4,508 |
| Total equity capital | $19,344,000 | 2,278 |
| Total bank equity capital | $19,344,000 | 2,278 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $10,000 | 8,999 |
| Surplus | $5,960,000 | 2,584 |
| Undivided profits | $13,374,000 | 1,874 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,627,000 | 1,447 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $809,000 | 2,880 |
| Earning assets | $167,251,000 | 2,590 |
| Long-term assets (5+ years) | $0 | 8,976 |
| Average Assets, year-to-date | $165,521,800 | 2,720 |
| Average Assets, quarterly | $171,374,500 | 2,713 |
| Volatile liabilities | $53,496,000 | 1,570 |
| Insider loans | $777,000 | 4,318 |
| FHLB advances | $38,000,000 | 249 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $20,185,000 | 2,355 |
| Tier 1 (core) risk-based capital | $19,560,000 | 2,244 |
| Tier 2 risk-based capital | $832,000 | 3,678 |
| Total risk weighted assets | $109,550,000 | 2,742 |
| Total unused commitments | $20,185,000 | 2,359 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 40 | 4,248 |
| Assets and Liabilities | ||
| Total Assets: | $159,810,000 | 2,867 |
| Cash and due from depository institutions | $4,516,000 | 4,248 |
| Interest-bearing balances | $2,250,000 | 2,029 |
| Securities | $18,021,000 | 5,178 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $132,936,000 | 2,105 |
| Loan loss allowance | $782,000 | 4,090 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,133,000 | 5,575 |
| Other real estate owned | $83,000 | 4,248 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $3,121,000 | 2,388 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $159,810,000 | 2,867 |
| Total liabilities | $140,093,000 | 2,924 |
| Total deposits | $109,637,000 | 3,415 |
| Interest-bearing deposits | $102,406,000 | 3,142 |
| Deposits held in domestic offices | $109,637,000 | 3,410 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $30,000,000 | 816 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $456,000 | 6,066 |
| Total equity capital | $19,717,000 | 2,290 |
| Total bank equity capital | $19,717,000 | 2,290 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $10,000 | 9,212 |
| Surplus | $5,960,000 | 2,456 |
| Undivided profits | $13,747,000 | 1,915 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,027,000 | 2,334 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $695,000 | 3,360 |
| Earning assets | $153,207,000 | 2,769 |
| Long-term assets (5+ years) | $0 | 9,173 |
| Average Assets, year-to-date | $153,168,400 | 2,836 |
| Average Assets, quarterly | $159,382,500 | 2,831 |
| Volatile liabilities | $41,370,000 | 1,656 |
| Insider loans | $717,000 | 4,367 |
| FHLB advances | $28,000,000 | 257 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $11,476,000 | 3,319 |
| Tier 1 (core) risk-based capital | $19,703,000 | 2,170 |
| Tier 2 risk-based capital | $782,000 | 3,746 |
| Total risk weighted assets | $94,512,000 | 2,971 |
| Total unused commitments | $11,476,000 | 3,323 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 39 | 4,480 |
| Assets and Liabilities | ||
| Total Assets: | $137,313,000 | 3,227 |
| Cash and due from depository institutions | $3,394,000 | 4,480 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $12,326,000 | 6,709 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $117,693,000 | 2,359 |
| Loan loss allowance | $708,000 | 4,466 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,193,000 | 5,435 |
| Other real estate owned | $0 | 4,480 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $2,707,000 | 2,647 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $137,313,000 | 3,227 |
| Total liabilities | $119,616,000 | 3,324 |
| Total deposits | $104,277,000 | 3,544 |
| Interest-bearing deposits | $98,014,000 | 3,254 |
| Deposits held in domestic offices | $104,277,000 | 3,536 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $15,000,000 | 1,119 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $339,000 | 7,348 |
| Total equity capital | $17,697,000 | 2,521 |
| Total bank equity capital | $17,697,000 | 2,521 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $10,000 | 9,607 |
| Surplus | $5,960,000 | 2,408 |
| Undivided profits | $11,727,000 | 2,208 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $705,000 | 3,221 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $667,000 | 3,533 |
| Earning assets | $130,019,000 | 3,146 |
| Long-term assets (5+ years) | $0 | 9,550 |
| Average Assets, year-to-date | $135,000,400 | 3,132 |
| Average Assets, quarterly | $138,446,000 | 3,157 |
| Volatile liabilities | $23,651,000 | 2,607 |
| Insider loans | $515,000 | 5,336 |
| FHLB advances | $13,000,000 | 382 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $10,186,000 | 3,413 |
| Tier 1 (core) risk-based capital | $17,681,000 | 2,422 |
| Tier 2 risk-based capital | $708,000 | 3,952 |
| Total risk weighted assets | $72,093,000 | 3,731 |
| Total unused commitments | $10,186,000 | 3,414 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 38 | 4,777 |
| Assets and Liabilities | ||
| Total Assets: | $130,235,000 | 3,467 |
| Cash and due from depository institutions | $2,866,000 | 4,777 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $11,491,000 | 7,442 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $111,567,000 | 2,528 |
| Loan loss allowance | $675,000 | 4,800 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,239,000 | 5,318 |
| Other real estate owned | $43,000 | 4,777 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $3,029,000 | 2,461 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $130,235,000 | 3,467 |
| Total liabilities | $114,104,000 | 3,564 |
| Total deposits | $96,629,000 | 3,913 |
| Interest-bearing deposits | $91,430,000 | 3,565 |
| Deposits held in domestic offices | $96,629,000 | 3,901 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $17,000,000 | 1,012 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $475,000 | 6,153 |
| Total equity capital | $16,131,000 | 2,777 |
| Total bank equity capital | $16,131,000 | 2,777 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $10,000 | 10,071 |
| Surplus | $5,960,000 | 2,475 |
| Undivided profits | $10,161,000 | 2,489 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,159,000 | 2,402 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $480,000 | 4,830 |
| Earning assets | $123,058,000 | 3,369 |
| Long-term assets (5+ years) | $0 | 9,965 |
| Average Assets, year-to-date | $122,951,400 | 3,511 |
| Average Assets, quarterly | $129,027,500 | 3,450 |
| Volatile liabilities | $23,971,000 | 2,518 |
| Insider loans | $501,000 | 5,509 |
| FHLB advances | $14,000,000 | 391 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $3,723,000 | 5,839 |
| Tier 1 (core) risk-based capital | $16,163,000 | 2,688 |
| Tier 2 risk-based capital | $675,000 | 4,188 |
| Total risk weighted assets | $72,707,000 | 3,736 |
| Total unused commitments | $3,723,000 | 5,853 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 35 | 5,283 |
| Assets and Liabilities | ||
| Total Assets: | $116,051,000 | 3,847 |
| Cash and due from depository institutions | $3,488,000 | 5,283 |
| Interest-bearing balances | $1,230,000 | 2,315 |
| Securities | $10,179,000 | 8,222 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $98,181,000 | 2,753 |
| Loan loss allowance | $640,000 | 5,035 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,306,000 | 5,104 |
| Other real estate owned | $114,000 | 5,283 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $2,783,000 | 2,700 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $116,051,000 | 3,847 |
| Total liabilities | $101,004,000 | 3,968 |
| Total deposits | $93,027,000 | 4,081 |
| Interest-bearing deposits | $87,417,000 | 3,752 |
| Deposits held in domestic offices | $93,027,000 | 4,071 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $7,500,000 | 1,364 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $477,000 | 6,412 |
| Total equity capital | $15,047,000 | 2,959 |
| Total bank equity capital | $15,047,000 | 2,959 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $10,000 | 10,536 |
| Surplus | $5,960,000 | 2,478 |
| Undivided profits | $9,077,000 | 2,829 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,134,000 | 2,391 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $582,000 | 4,107 |
| Earning assets | $109,590,000 | 3,749 |
| Long-term assets (5+ years) | $0 | 10,367 |
| Average Assets, year-to-date | $111,734,800 | 3,847 |
| Average Assets, quarterly | $115,739,000 | 3,822 |
| Volatile liabilities | $15,120,000 | 3,312 |
| Insider loans | $433,000 | 6,065 |
| FHLB advances | $4,000,000 | 559 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $3,110,000 | 6,253 |
| Tier 1 (core) risk-based capital | $15,025,000 | 2,862 |
| Tier 2 risk-based capital | $640,000 | 4,328 |
| Total risk weighted assets | $62,795,000 | 4,154 |
| Total unused commitments | $3,110,000 | 6,269 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 34 | 5,617 |
| Assets and Liabilities | ||
| Total Assets: | $105,837,000 | 4,150 |
| Cash and due from depository institutions | $2,232,000 | 5,617 |
| Interest-bearing balances | $12,000 | 6,637 |
| Securities | $10,416,000 | 8,606 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $89,835,000 | 2,890 |
| Loan loss allowance | $630,000 | 5,205 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,127,000 | 5,666 |
| Other real estate owned | $0 | 5,617 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $2,227,000 | 3,496 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $105,837,000 | 4,150 |
| Total liabilities | $92,058,000 | 4,300 |
| Total deposits | $85,643,000 | 4,383 |
| Interest-bearing deposits | $81,566,000 | 3,973 |
| Deposits held in domestic offices | $85,643,000 | 4,372 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $6,000,000 | 1,601 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $415,000 | 5,923 |
| Total equity capital | $13,779,000 | 2,957 |
| Total bank equity capital | $13,779,000 | 2,957 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $10,000 | 11,112 |
| Surplus | $5,960,000 | 2,407 |
| Undivided profits | $7,809,000 | 2,939 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,175,000 | 2,360 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $474,000 | 4,420 |
| Earning assets | $100,263,000 | 4,036 |
| Long-term assets (5+ years) | $0 | 10,888 |
| Average Assets, year-to-date | $101,278,200 | 4,219 |
| Average Assets, quarterly | $105,604,500 | 4,119 |
| Volatile liabilities | $11,791,000 | 3,858 |
| Insider loans | $140,000 | 8,899 |
| FHLB advances | $1,000,000 | 855 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $2,540,000 | 6,847 |
| Tier 1 (core) risk-based capital | $13,779,000 | 3,006 |
| Tier 2 risk-based capital | $630,000 | 4,348 |
| Total risk weighted assets | $56,662,000 | 4,442 |
| Total unused commitments | $2,540,000 | 6,857 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 34 | 5,844 |
| Assets and Liabilities | ||
| Total Assets: | $96,795,000 | 4,584 |
| Cash and due from depository institutions | $2,112,000 | 5,844 |
| Interest-bearing balances | $482,000 | 4,453 |
| Securities | $8,965,000 | 9,481 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $82,621,000 | 3,071 |
| Loan loss allowance | $667,000 | 5,162 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,146,000 | 5,634 |
| Other real estate owned | $31,000 | 5,844 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,920,000 | 3,572 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $96,795,000 | 4,584 |
| Total liabilities | $90,518,000 | 4,458 |
| Total deposits | $89,179,000 | 4,329 |
| Interest-bearing deposits | $86,229,000 | 3,914 |
| Deposits held in domestic offices | $89,179,000 | 4,322 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $1,000,000 | 2,690 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $339,000 | 7,009 |
| Total equity capital | $6,277,000 | 6,156 |
| Total bank equity capital | $6,277,000 | 6,156 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $0 | 11,979 |
| Surplus | $0 | 12,104 |
| Undivided profits | $6,277,000 | 3,645 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $396,000 | 5,602 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $437,000 | 4,291 |
| Earning assets | $92,068,000 | 4,448 |
| Long-term assets (5+ years) | $0 | 11,403 |
| Average Assets, year-to-date | $95,504,800 | 4,528 |
| Average Assets, quarterly | $96,892,000 | 4,541 |
| Volatile liabilities | $6,200,000 | 5,762 |
| Insider loans | $355,000 | 6,779 |
| FHLB advances | $1,000,000 | 697 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $2,381,000 | 7,050 |
| Tier 1 (core) risk-based capital | $6,277,000 | 6,077 |
| Tier 2 risk-based capital | $627,000 | 4,358 |
| Total risk weighted assets | $51,115,000 | 4,787 |
| Total unused commitments | $2,381,000 | 7,073 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 36 | 5,656 |
| Assets and Liabilities | ||
| Total Assets: | $93,431,000 | 4,822 |
| Cash and due from depository institutions | $3,043,000 | 5,656 |
| Interest-bearing balances | $1,151,000 | 3,552 |
| Securities | $9,973,000 | 9,164 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $77,138,000 | 3,349 |
| Loan loss allowance | $462,000 | 6,841 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,133,000 | 5,707 |
| Other real estate owned | $316,000 | 5,656 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,828,000 | 3,885 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $93,431,000 | 4,822 |
| Total liabilities | $88,033,000 | 4,684 |
| Total deposits | $87,717,000 | 4,539 |
| Interest-bearing deposits | $83,862,000 | 4,184 |
| Deposits held in domestic offices | $87,717,000 | 4,532 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $316,000 | 7,980 |
| Total equity capital | $5,398,000 | 6,707 |
| Total bank equity capital | $5,398,000 | 6,707 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $0 | 12,588 |
| Undivided profits | $5,398,000 | 3,921 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $475,000 | 5,798 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $452,000 | 4,507 |
| Earning assets | $88,262,000 | 4,681 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $93,845,600 | 4,680 |
| Average Assets, quarterly | $94,155,500 | 4,738 |
| Volatile liabilities | $5,303,000 | 6,324 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $2,618,000 | 6,537 |
| Tier 1 (core) risk-based capital | $5,398,000 | 6,638 |
| Tier 2 risk-based capital | $432,000 | 5,890 |
| Total risk weighted assets | $52,084,000 | 4,775 |
| Total unused commitments | $2,618,000 | 6,563 |
| Derivatives | $0 | 651 |