Home > Citizens Bank > Assets and Liabilities
Citizens Bank, Assets and Liabilities
| 2007-06-30 | Rank | |
| # of Employees: | 180 | 940 |
| Assets and Liabilities | ||
| Total Assets: | $1,581,629,000 | 450 |
| Cash and due from depository institutions | $45,779,000 | 940 |
| Interest-bearing balances | $1,502,000 | 2,062 |
| Securities | $396,601,000 | 343 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,299 |
| Net loans & leases | $1,038,786,000 | 471 |
| Loan loss allowance | $7,048,000 | 764 |
| Trading account assets | $2,330,000 | 185 |
| Bank premises and fixed assets | $12,836,000 | 922 |
| Other real estate owned | $500,000 | 940 |
| Goodwill and other intangibles | $73,250,000 | 208 |
| All other assets | $11,547,000 | 1,568 |
| Life insurance assets | $0 | 4,058 |
| Total liabilities and capital | $1,581,629,000 | 450 |
| Total liabilities | $1,407,015,000 | 447 |
| Total deposits | $1,236,225,000 | 430 |
| Interest-bearing deposits | $1,170,747,000 | 394 |
| Deposits held in domestic offices | $1,236,225,000 | 429 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $78,261,000 | 369 |
| Trading liabilities | $1,349,000 | 73 |
| Other borrowed funds | $82,756,000 | 580 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $8,424,000 | 765 |
| Total equity capital | $174,614,000 | 432 |
| Total bank equity capital | $174,614,000 | 432 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $500,000 | 4,053 |
| Surplus | $124,500,000 | 314 |
| Undivided profits | $49,614,000 | 745 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,485,000 | 2,263 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $628,000 | 280 |
| Income earned, not collected on loans | $8,016,000 | 478 |
| Earning assets | $1,436,889,000 | 445 |
| Long-term assets (5+ years) | $925,808,000 | 153 |
| Average Assets, year-to-date | $1,602,280,000 | 440 |
| Average Assets, quarterly | $1,554,629,000 | 454 |
| Volatile liabilities | $422,028,000 | 377 |
| Insider loans | $17,125,000 | 372 |
| FHLB advances | $0 | 5,027 |
| Loans and leases held for sale | $0 | 1,802 |
| Unused loan commitments | $378,532,000 | 402 |
| Tier 1 (core) risk-based capital | $110,233,000 | 567 |
| Tier 2 risk-based capital | $7,361,000 | 752 |
| Total risk weighted assets | $880,942,000 | 576 |
| Total unused commitments | $378,532,000 | 402 |
| Derivatives | $223,094,000 | 151 |
| 2007-03-31 | Rank | |
| # of Employees: | 185 | 907 |
| Assets and Liabilities | ||
| Total Assets: | $1,527,629,000 | 456 |
| Cash and due from depository institutions | $9,635,000 | 907 |
| Interest-bearing balances | $1,110,000 | 2,436 |
| Securities | $384,939,000 | 355 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,772 |
| Net loans & leases | $1,031,785,000 | 475 |
| Loan loss allowance | $7,299,000 | 714 |
| Trading account assets | $2,667,000 | 215 |
| Bank premises and fixed assets | $12,334,000 | 948 |
| Other real estate owned | $500,000 | 907 |
| Goodwill and other intangibles | $73,728,000 | 200 |
| All other assets | $12,041,000 | 1,457 |
| Life insurance assets | $0 | 4,074 |
| Total liabilities and capital | $1,527,629,000 | 456 |
| Total liabilities | $1,352,328,000 | 456 |
| Total deposits | $1,176,990,000 | 445 |
| Interest-bearing deposits | $1,109,501,000 | 413 |
| Deposits held in domestic offices | $1,176,990,000 | 443 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $99,368,000 | 308 |
| Trading liabilities | $1,615,000 | 74 |
| Other borrowed funds | $64,169,000 | 697 |
| Subordinated debt | $0 | 262 |
| All other liabilities | $10,186,000 | 688 |
| Total equity capital | $175,301,000 | 430 |
| Total bank equity capital | $175,301,000 | 430 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $500,000 | 4,054 |
| Surplus | $124,500,000 | 306 |
| Undivided profits | $50,301,000 | 739 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,435,000 | 2,159 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $793,000 | 217 |
| Income earned, not collected on loans | $7,479,000 | 508 |
| Earning assets | $1,417,834,000 | 446 |
| Long-term assets (5+ years) | $918,672,000 | 154 |
| Average Assets, year-to-date | $1,612,605,500 | 440 |
| Average Assets, quarterly | $1,612,605,500 | 440 |
| Volatile liabilities | $371,436,000 | 412 |
| Insider loans | $17,139,000 | 361 |
| FHLB advances | $0 | 5,010 |
| Loans and leases held for sale | $0 | 1,800 |
| Unused loan commitments | $377,198,000 | 403 |
| Tier 1 (core) risk-based capital | $105,453,000 | 581 |
| Tier 2 risk-based capital | $7,755,000 | 700 |
| Total risk weighted assets | $888,440,000 | 562 |
| Total unused commitments | $377,198,000 | 403 |
| Derivatives | $225,394,000 | 150 |
| 2006-12-31 | Rank | |
| # of Employees: | 192 | 864 |
| Assets and Liabilities | ||
| Total Assets: | $1,697,582,000 | 420 |
| Cash and due from depository institutions | $45,410,000 | 864 |
| Interest-bearing balances | $943,000 | 2,550 |
| Securities | $380,312,000 | 355 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,403 |
| Net loans & leases | $1,164,712,000 | 416 |
| Loan loss allowance | $7,648,000 | 667 |
| Trading account assets | $2,690,000 | 108 |
| Bank premises and fixed assets | $12,771,000 | 874 |
| Other real estate owned | $500,000 | 864 |
| Goodwill and other intangibles | $74,207,000 | 193 |
| All other assets | $16,980,000 | 1,084 |
| Life insurance assets | $0 | 4,082 |
| Total liabilities and capital | $1,697,582,000 | 420 |
| Total liabilities | $1,529,104,000 | 417 |
| Total deposits | $1,164,913,000 | 442 |
| Interest-bearing deposits | $1,089,810,000 | 410 |
| Deposits held in domestic offices | $1,164,913,000 | 441 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $355,287,000 | 162 |
| Trading liabilities | $1,662,000 | 63 |
| Other borrowed funds | $0 | 5,610 |
| Subordinated debt | $0 | 264 |
| All other liabilities | $7,242,000 | 865 |
| Total equity capital | $168,478,000 | 431 |
| Total bank equity capital | $168,478,000 | 431 |
| Perpetual preferred stock | $0 | 112 |
| Common stock | $500,000 | 4,064 |
| Surplus | $124,500,000 | 299 |
| Undivided profits | $43,478,000 | 842 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $966,000 | 2,705 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $499,000 | 301 |
| Income earned, not collected on loans | $10,907,000 | 359 |
| Earning assets | $1,545,967,000 | 412 |
| Long-term assets (5+ years) | $921,969,000 | 154 |
| Average Assets, year-to-date | $1,626,243,000 | 427 |
| Average Assets, quarterly | $1,683,340,500 | 417 |
| Volatile liabilities | $549,910,000 | 350 |
| Insider loans | $22,153,000 | 254 |
| FHLB advances | $0 | 5,139 |
| Loans and leases held for sale | $0 | 1,760 |
| Unused loan commitments | $377,314,000 | 396 |
| Tier 1 (core) risk-based capital | $99,933,000 | 600 |
| Tier 2 risk-based capital | $8,101,000 | 670 |
| Total risk weighted assets | $1,010,217,000 | 503 |
| Total unused commitments | $377,314,000 | 396 |
| Derivatives | $207,905,000 | 154 |
| 2006-09-30 | Rank | |
| # of Employees: | 193 | 869 |
| Assets and Liabilities | ||
| Total Assets: | $1,669,099,000 | 430 |
| Cash and due from depository institutions | $42,698,000 | 869 |
| Interest-bearing balances | $1,282,000 | 2,178 |
| Securities | $393,130,000 | 348 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,029 |
| Net loans & leases | $1,131,071,000 | 434 |
| Loan loss allowance | $7,806,000 | 665 |
| Trading account assets | $2,873,000 | 105 |
| Bank premises and fixed assets | $12,764,000 | 868 |
| Other real estate owned | $0 | 869 |
| Goodwill and other intangibles | $74,704,000 | 196 |
| All other assets | $11,859,000 | 1,497 |
| Life insurance assets | $0 | 4,052 |
| Total liabilities and capital | $1,669,099,000 | 430 |
| Total liabilities | $1,502,967,000 | 428 |
| Total deposits | $1,135,094,000 | 455 |
| Interest-bearing deposits | $933,581,000 | 471 |
| Deposits held in domestic offices | $1,135,094,000 | 454 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $360,972,000 | 163 |
| Trading liabilities | $1,831,000 | 62 |
| Other borrowed funds | $0 | 5,812 |
| Subordinated debt | $0 | 269 |
| All other liabilities | $5,070,000 | 1,095 |
| Total equity capital | $166,132,000 | 443 |
| Total bank equity capital | $166,132,000 | 443 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $500,000 | 4,089 |
| Surplus | $124,500,000 | 306 |
| Undivided profits | $41,132,000 | 890 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,278,000 | 2,131 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $489,000 | 324 |
| Income earned, not collected on loans | $7,713,000 | 494 |
| Earning assets | $1,525,483,000 | 424 |
| Long-term assets (5+ years) | $940,181,000 | 152 |
| Average Assets, year-to-date | $1,608,408,250 | 437 |
| Average Assets, quarterly | $1,673,958,500 | 425 |
| Volatile liabilities | $528,217,000 | 370 |
| Insider loans | $2,170,000 | 2,792 |
| FHLB advances | $0 | 5,308 |
| Loans and leases held for sale | $0 | 1,773 |
| Unused loan commitments | $389,492,000 | 396 |
| Tier 1 (core) risk-based capital | $96,055,000 | 627 |
| Tier 2 risk-based capital | $8,213,000 | 666 |
| Total risk weighted assets | $964,540,000 | 532 |
| Total unused commitments | $389,492,000 | 396 |
| Derivatives | $214,028,000 | 155 |
| 2006-06-30 | Rank | |
| # of Employees: | 192 | 875 |
| Assets and Liabilities | ||
| Total Assets: | $1,678,818,000 | 425 |
| Cash and due from depository institutions | $163,331,000 | 875 |
| Interest-bearing balances | $1,708,000 | 1,947 |
| Securities | $412,597,000 | 341 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,870 |
| Net loans & leases | $998,845,000 | 479 |
| Loan loss allowance | $7,711,000 | 664 |
| Trading account assets | $3,202,000 | 109 |
| Bank premises and fixed assets | $11,628,000 | 966 |
| Other real estate owned | $1,000 | 875 |
| Goodwill and other intangibles | $75,214,000 | 198 |
| All other assets | $14,000,000 | 1,288 |
| Life insurance assets | $0 | 4,035 |
| Total liabilities and capital | $1,678,818,000 | 425 |
| Total liabilities | $1,523,672,000 | 419 |
| Total deposits | $1,347,080,000 | 392 |
| Interest-bearing deposits | $1,035,703,000 | 426 |
| Deposits held in domestic offices | $1,347,080,000 | 392 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $168,985,000 | 233 |
| Trading liabilities | $2,119,000 | 61 |
| Other borrowed funds | $0 | 5,848 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $5,488,000 | 965 |
| Total equity capital | $155,146,000 | 452 |
| Total bank equity capital | $155,146,000 | 452 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $500,000 | 4,081 |
| Surplus | $124,500,000 | 305 |
| Undivided profits | $30,146,000 | 1,148 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,132,000 | 2,193 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $539,000 | 307 |
| Income earned, not collected on loans | $5,792,000 | 587 |
| Earning assets | $1,413,150,000 | 448 |
| Long-term assets (5+ years) | $959,266,000 | 156 |
| Average Assets, year-to-date | $1,588,178,000 | 439 |
| Average Assets, quarterly | $1,605,455,000 | 441 |
| Volatile liabilities | $382,418,000 | 475 |
| Insider loans | $2,876,000 | 2,233 |
| FHLB advances | $0 | 5,334 |
| Loans and leases held for sale | $0 | 1,763 |
| Unused loan commitments | $373,458,000 | 411 |
| Tier 1 (core) risk-based capital | $92,046,000 | 652 |
| Tier 2 risk-based capital | $8,022,000 | 664 |
| Total risk weighted assets | $861,682,000 | 575 |
| Total unused commitments | $373,458,000 | 411 |
| Derivatives | $219,878,000 | 157 |
| 2006-03-31 | Rank | |
| # of Employees: | 180 | 920 |
| Assets and Liabilities | ||
| Total Assets: | $1,532,092,000 | 448 |
| Cash and due from depository institutions | $39,399,000 | 920 |
| Interest-bearing balances | $1,557,000 | 2,152 |
| Securities | $432,019,000 | 333 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,312 |
| Net loans & leases | $958,706,000 | 481 |
| Loan loss allowance | $7,613,000 | 660 |
| Trading account assets | $2,251,000 | 118 |
| Bank premises and fixed assets | $10,964,000 | 1,004 |
| Other real estate owned | $0 | 920 |
| Goodwill and other intangibles | $75,721,000 | 191 |
| All other assets | $13,032,000 | 1,336 |
| Life insurance assets | $0 | 4,002 |
| Total liabilities and capital | $1,532,092,000 | 448 |
| Total liabilities | $1,377,740,000 | 441 |
| Total deposits | $1,190,065,000 | 424 |
| Interest-bearing deposits | $977,086,000 | 444 |
| Deposits held in domestic offices | $1,190,065,000 | 424 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $179,393,000 | 212 |
| Trading liabilities | $1,495,000 | 62 |
| Other borrowed funds | $0 | 5,773 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $6,787,000 | 839 |
| Total equity capital | $154,352,000 | 437 |
| Total bank equity capital | $154,352,000 | 437 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $500,000 | 4,070 |
| Surplus | $124,500,000 | 297 |
| Undivided profits | $29,352,000 | 1,178 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,163,000 | 2,101 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $458,000 | 346 |
| Income earned, not collected on loans | $5,755,000 | 568 |
| Earning assets | $1,392,282,000 | 442 |
| Long-term assets (5+ years) | $950,161,000 | 156 |
| Average Assets, year-to-date | $1,542,858,000 | 447 |
| Average Assets, quarterly | $1,542,858,000 | 447 |
| Volatile liabilities | $364,653,000 | 473 |
| Insider loans | $2,339,000 | 2,578 |
| FHLB advances | $0 | 5,285 |
| Loans and leases held for sale | $0 | 1,721 |
| Unused loan commitments | $332,424,000 | 435 |
| Tier 1 (core) risk-based capital | $87,735,000 | 670 |
| Tier 2 risk-based capital | $7,839,000 | 658 |
| Total risk weighted assets | $799,385,000 | 596 |
| Total unused commitments | $332,424,000 | 435 |
| Derivatives | $131,068,000 | 181 |
| 2005-12-31 | Rank | |
| # of Employees: | 190 | 847 |
| Assets and Liabilities | ||
| Total Assets: | $1,553,624,000 | 446 |
| Cash and due from depository institutions | $60,494,000 | 847 |
| Interest-bearing balances | $1,039,000 | 2,590 |
| Securities | $453,056,000 | 322 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,145 |
| Net loans & leases | $938,891,000 | 488 |
| Loan loss allowance | $8,468,000 | 589 |
| Trading account assets | $1,995,000 | 113 |
| Bank premises and fixed assets | $10,149,000 | 1,077 |
| Other real estate owned | $0 | 847 |
| Goodwill and other intangibles | $76,468,000 | 186 |
| All other assets | $12,571,000 | 1,372 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $1,553,624,000 | 446 |
| Total liabilities | $1,399,637,000 | 440 |
| Total deposits | $1,242,144,000 | 411 |
| Interest-bearing deposits | $1,031,565,000 | 409 |
| Deposits held in domestic offices | $1,242,144,000 | 410 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $95,671,000 | 315 |
| Trading liabilities | $1,162,000 | 58 |
| Other borrowed funds | $57,370,000 | 818 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $3,290,000 | 1,451 |
| Total equity capital | $153,987,000 | 432 |
| Total bank equity capital | $153,987,000 | 432 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $500,000 | 4,085 |
| Surplus | $124,500,000 | 292 |
| Undivided profits | $28,987,000 | 1,184 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,538,000 | 1,657 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $210,000 | 535 |
| Income earned, not collected on loans | $5,556,000 | 582 |
| Earning assets | $1,392,986,000 | 440 |
| Long-term assets (5+ years) | $965,062,000 | 154 |
| Average Assets, year-to-date | $1,436,221,200 | 449 |
| Average Assets, quarterly | $1,516,457,000 | 448 |
| Volatile liabilities | $362,241,000 | 459 |
| Insider loans | $2,349,000 | 2,535 |
| FHLB advances | $0 | 5,326 |
| Loans and leases held for sale | $0 | 1,743 |
| Unused loan commitments | $515,483,000 | 312 |
| Tier 1 (core) risk-based capital | $83,143,000 | 695 |
| Tier 2 risk-based capital | $8,687,000 | 596 |
| Total risk weighted assets | $788,411,000 | 595 |
| Total unused commitments | $515,483,000 | 312 |
| Derivatives | $210,118,000 | 155 |
| 2005-09-30 | Rank | |
| # of Employees: | 176 | 927 |
| Assets and Liabilities | ||
| Total Assets: | $1,479,290,000 | 447 |
| Cash and due from depository institutions | $47,476,000 | 927 |
| Interest-bearing balances | $1,080,000 | 2,616 |
| Securities | $393,124,000 | 360 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,951 |
| Net loans & leases | $940,009,000 | 478 |
| Loan loss allowance | $8,695,000 | 570 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $8,410,000 | 1,288 |
| Other real estate owned | $0 | 927 |
| Goodwill and other intangibles | $77,012,000 | 180 |
| All other assets | $13,259,000 | 1,265 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $1,479,290,000 | 447 |
| Total liabilities | $1,325,961,000 | 447 |
| Total deposits | $1,195,578,000 | 409 |
| Interest-bearing deposits | $992,453,000 | 411 |
| Deposits held in domestic offices | $1,195,578,000 | 408 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $102,527,000 | 288 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $16,735,000 | 1,988 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $11,121,000 | 558 |
| Total equity capital | $153,329,000 | 425 |
| Total bank equity capital | $153,329,000 | 425 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $500,000 | 4,084 |
| Surplus | $124,500,000 | 288 |
| Undivided profits | $28,329,000 | 1,209 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,786,000 | 964 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $206,000 | 562 |
| Income earned, not collected on loans | $5,344,000 | 575 |
| Earning assets | $1,334,213,000 | 445 |
| Long-term assets (5+ years) | $810,724,000 | 178 |
| Average Assets, year-to-date | $1,406,870,500 | 447 |
| Average Assets, quarterly | $1,454,947,500 | 447 |
| Volatile liabilities | $266,650,000 | 579 |
| Insider loans | $2,363,000 | 2,511 |
| FHLB advances | $0 | 5,403 |
| Loans and leases held for sale | $0 | 1,843 |
| Unused loan commitments | $238,763,000 | 518 |
| Tier 1 (core) risk-based capital | $79,475,000 | 715 |
| Tier 2 risk-based capital | $8,695,000 | 582 |
| Total risk weighted assets | $767,819,000 | 587 |
| Total unused commitments | $238,763,000 | 518 |
| Derivatives | $208,533,000 | 161 |
| 2005-06-30 | Rank | |
| # of Employees: | 179 | 905 |
| Assets and Liabilities | ||
| Total Assets: | $1,430,605,000 | 446 |
| Cash and due from depository institutions | $101,043,000 | 905 |
| Interest-bearing balances | $901,000 | 2,854 |
| Securities | $349,363,000 | 401 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,776 |
| Net loans & leases | $884,192,000 | 488 |
| Loan loss allowance | $8,736,000 | 552 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $7,948,000 | 1,344 |
| Other real estate owned | $0 | 905 |
| Goodwill and other intangibles | $77,565,000 | 178 |
| All other assets | $10,494,000 | 1,528 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $1,430,605,000 | 446 |
| Total liabilities | $1,277,698,000 | 447 |
| Total deposits | $1,182,564,000 | 401 |
| Interest-bearing deposits | $979,123,000 | 396 |
| Deposits held in domestic offices | $1,182,564,000 | 399 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $88,155,000 | 313 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,868 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $6,979,000 | 732 |
| Total equity capital | $152,907,000 | 417 |
| Total bank equity capital | $152,907,000 | 417 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $500,000 | 4,076 |
| Surplus | $124,500,000 | 281 |
| Undivided profits | $27,907,000 | 1,213 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,978,000 | 877 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $195,000 | 575 |
| Income earned, not collected on loans | $4,609,000 | 617 |
| Earning assets | $1,234,456,000 | 460 |
| Long-term assets (5+ years) | $660,695,000 | 190 |
| Average Assets, year-to-date | $1,382,730,670 | 444 |
| Average Assets, quarterly | $1,397,503,000 | 446 |
| Volatile liabilities | $261,611,000 | 575 |
| Insider loans | $2,271,000 | 2,542 |
| FHLB advances | $0 | 5,357 |
| Loans and leases held for sale | $0 | 1,818 |
| Unused loan commitments | $231,678,000 | 512 |
| Tier 1 (core) risk-based capital | $75,338,000 | 730 |
| Tier 2 risk-based capital | $8,736,000 | 571 |
| Total risk weighted assets | $720,738,000 | 597 |
| Total unused commitments | $231,678,000 | 512 |
| Derivatives | $198,728,000 | 158 |
| 2005-03-31 | Rank | |
| # of Employees: | 173 | 922 |
| Assets and Liabilities | ||
| Total Assets: | $1,364,401,000 | 450 |
| Cash and due from depository institutions | $36,363,000 | 922 |
| Interest-bearing balances | $771,000 | 2,981 |
| Securities | $355,193,000 | 393 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,340 |
| Net loans & leases | $875,954,000 | 486 |
| Loan loss allowance | $8,594,000 | 560 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $7,808,000 | 1,338 |
| Other real estate owned | $179,000 | 922 |
| Goodwill and other intangibles | $78,092,000 | 176 |
| All other assets | $10,812,000 | 1,466 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $1,364,401,000 | 450 |
| Total liabilities | $1,217,706,000 | 451 |
| Total deposits | $1,061,286,000 | 431 |
| Interest-bearing deposits | $872,584,000 | 437 |
| Deposits held in domestic offices | $1,061,286,000 | 430 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $149,824,000 | 232 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,784 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $6,596,000 | 759 |
| Total equity capital | $146,695,000 | 418 |
| Total bank equity capital | $146,695,000 | 418 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $500,000 | 4,087 |
| Surplus | $124,500,000 | 278 |
| Undivided profits | $21,695,000 | 1,541 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,134,000 | 828 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $172,000 | 621 |
| Income earned, not collected on loans | $5,071,000 | 539 |
| Earning assets | $1,231,918,000 | 452 |
| Long-term assets (5+ years) | $815,093,000 | 172 |
| Average Assets, year-to-date | $1,358,793,500 | 448 |
| Average Assets, quarterly | $1,358,793,500 | 448 |
| Volatile liabilities | $265,131,000 | 531 |
| Insider loans | $2,282,000 | 2,482 |
| FHLB advances | $0 | 5,246 |
| Loans and leases held for sale | $0 | 1,762 |
| Unused loan commitments | $231,577,000 | 506 |
| Tier 1 (core) risk-based capital | $71,700,000 | 748 |
| Tier 2 risk-based capital | $8,594,000 | 568 |
| Total risk weighted assets | $707,202,000 | 591 |
| Total unused commitments | $231,577,000 | 506 |
| Derivatives | $190,282,000 | 151 |
| 2004-12-31 | Rank | |
| # of Employees: | 174 | 927 |
| Assets and Liabilities | ||
| Total Assets: | $1,353,186,000 | 456 |
| Cash and due from depository institutions | $43,902,000 | 927 |
| Interest-bearing balances | $824,000 | 2,998 |
| Securities | $347,849,000 | 405 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,164 |
| Net loans & leases | $862,979,000 | 489 |
| Loan loss allowance | $8,289,000 | 580 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $7,479,000 | 1,376 |
| Other real estate owned | $179,000 | 927 |
| Goodwill and other intangibles | $78,650,000 | 175 |
| All other assets | $12,148,000 | 1,289 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $1,353,186,000 | 456 |
| Total liabilities | $1,206,422,000 | 456 |
| Total deposits | $1,061,717,000 | 425 |
| Interest-bearing deposits | $885,382,000 | 430 |
| Deposits held in domestic offices | $1,061,717,000 | 424 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $137,145,000 | 244 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $0 | 5,836 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $7,560,000 | 665 |
| Total equity capital | $146,764,000 | 425 |
| Total bank equity capital | $146,764,000 | 425 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $500,000 | 4,097 |
| Surplus | $124,500,000 | 281 |
| Undivided profits | $21,764,000 | 1,560 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,105,000 | 850 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $184,000 | 575 |
| Income earned, not collected on loans | $4,291,000 | 617 |
| Earning assets | $1,211,652,000 | 462 |
| Long-term assets (5+ years) | $791,363,000 | 180 |
| Average Assets, year-to-date | $1,269,246,600 | 462 |
| Average Assets, quarterly | $1,334,617,000 | 460 |
| Volatile liabilities | $254,487,000 | 550 |
| Insider loans | $2,285,000 | 2,485 |
| FHLB advances | $0 | 5,260 |
| Loans and leases held for sale | $0 | 1,753 |
| Unused loan commitments | $225,314,000 | 503 |
| Tier 1 (core) risk-based capital | $67,839,000 | 790 |
| Tier 2 risk-based capital | $8,289,000 | 600 |
| Total risk weighted assets | $705,228,000 | 599 |
| Total unused commitments | $225,314,000 | 503 |
| Derivatives | $165,574,000 | 158 |
| 2004-09-30 | Rank | |
| # of Employees: | 176 | 906 |
| Assets and Liabilities | ||
| Total Assets: | $1,316,048,000 | 468 |
| Cash and due from depository institutions | $44,268,000 | 906 |
| Interest-bearing balances | $1,577,000 | 2,378 |
| Securities | $353,077,000 | 404 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,928 |
| Net loans & leases | $822,081,000 | 501 |
| Loan loss allowance | $6,978,000 | 682 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $6,602,000 | 1,531 |
| Other real estate owned | $0 | 906 |
| Goodwill and other intangibles | $79,176,000 | 175 |
| All other assets | $10,844,000 | 1,403 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $1,316,048,000 | 468 |
| Total liabilities | $1,162,132,000 | 472 |
| Total deposits | $1,077,836,000 | 415 |
| Interest-bearing deposits | $901,583,000 | 419 |
| Deposits held in domestic offices | $1,077,836,000 | 412 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $76,603,000 | 339 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $0 | 5,863 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $7,693,000 | 662 |
| Total equity capital | $153,916,000 | 415 |
| Total bank equity capital | $153,916,000 | 415 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $500,000 | 4,115 |
| Surplus | $124,500,000 | 282 |
| Undivided profits | $28,916,000 | 1,156 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,887,000 | 736 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $190,000 | 610 |
| Income earned, not collected on loans | $4,548,000 | 589 |
| Earning assets | $1,176,735,000 | 475 |
| Long-term assets (5+ years) | $805,021,000 | 184 |
| Average Assets, year-to-date | $1,248,261,750 | 472 |
| Average Assets, quarterly | $1,295,973,500 | 469 |
| Volatile liabilities | $177,968,000 | 715 |
| Insider loans | $2,470,000 | 2,317 |
| FHLB advances | $0 | 5,299 |
| Loans and leases held for sale | $0 | 1,808 |
| Unused loan commitments | $193,166,000 | 547 |
| Tier 1 (core) risk-based capital | $73,557,000 | 719 |
| Tier 2 risk-based capital | $6,978,000 | 672 |
| Total risk weighted assets | $663,286,000 | 621 |
| Total unused commitments | $193,166,000 | 547 |
| Derivatives | $156,277,000 | 160 |
| 2004-06-30 | Rank | |
| # of Employees: | 162 | 1,001 |
| Assets and Liabilities | ||
| Total Assets: | $1,275,899,000 | 475 |
| Cash and due from depository institutions | $62,715,000 | 1,001 |
| Interest-bearing balances | $1,777,000 | 2,241 |
| Securities | $345,977,000 | 416 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,884 |
| Net loans & leases | $769,152,000 | 507 |
| Loan loss allowance | $6,732,000 | 698 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $7,544,000 | 1,299 |
| Other real estate owned | $150,000 | 1,001 |
| Goodwill and other intangibles | $79,748,000 | 163 |
| All other assets | $10,613,000 | 1,431 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $1,275,899,000 | 475 |
| Total liabilities | $1,130,306,000 | 477 |
| Total deposits | $1,086,897,000 | 408 |
| Interest-bearing deposits | $868,834,000 | 421 |
| Deposits held in domestic offices | $1,086,897,000 | 405 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $39,850,000 | 499 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,862 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $3,559,000 | 1,141 |
| Total equity capital | $145,593,000 | 416 |
| Total bank equity capital | $145,593,000 | 416 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $500,000 | 4,143 |
| Surplus | $124,500,000 | 272 |
| Undivided profits | $20,593,000 | 1,563 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,130,000 | 706 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $221,000 | 584 |
| Income earned, not collected on loans | $3,830,000 | 665 |
| Earning assets | $1,116,906,000 | 487 |
| Long-term assets (5+ years) | $805,547,000 | 187 |
| Average Assets, year-to-date | $1,225,666,330 | 476 |
| Average Assets, quarterly | $1,250,060,000 | 477 |
| Volatile liabilities | $125,916,000 | 916 |
| Insider loans | $2,484,000 | 2,269 |
| FHLB advances | $0 | 5,298 |
| Loans and leases held for sale | $0 | 1,820 |
| Unused loan commitments | $160,258,000 | 628 |
| Tier 1 (core) risk-based capital | $69,536,000 | 742 |
| Tier 2 risk-based capital | $6,732,000 | 699 |
| Total risk weighted assets | $605,378,000 | 669 |
| Total unused commitments | $160,258,000 | 628 |
| Derivatives | $134,340,000 | 167 |
| 2004-03-31 | Rank | |
| # of Employees: | 154 | 1,064 |
| Assets and Liabilities | ||
| Total Assets: | $1,224,221,000 | 487 |
| Cash and due from depository institutions | $67,581,000 | 1,064 |
| Interest-bearing balances | $1,566,000 | 2,608 |
| Securities | $327,991,000 | 445 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,767 |
| Net loans & leases | $732,025,000 | 519 |
| Loan loss allowance | $6,026,000 | 781 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $6,775,000 | 1,435 |
| Other real estate owned | $150,000 | 1,064 |
| Goodwill and other intangibles | $80,264,000 | 149 |
| All other assets | $9,435,000 | 1,510 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $1,224,221,000 | 487 |
| Total liabilities | $1,074,994,000 | 488 |
| Total deposits | $988,445,000 | 436 |
| Interest-bearing deposits | $824,664,000 | 443 |
| Deposits held in domestic offices | $988,445,000 | 434 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $79,206,000 | 335 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $0 | 5,747 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $7,343,000 | 713 |
| Total equity capital | $149,227,000 | 414 |
| Total bank equity capital | $149,227,000 | 414 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $500,000 | 4,151 |
| Surplus | $124,500,000 | 268 |
| Undivided profits | $24,227,000 | 1,384 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,399,000 | 690 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $161,000 | 730 |
| Income earned, not collected on loans | $4,238,000 | 592 |
| Earning assets | $1,061,582,000 | 499 |
| Long-term assets (5+ years) | $748,060,000 | 181 |
| Average Assets, year-to-date | $1,200,550,000 | 487 |
| Average Assets, quarterly | $1,200,550,000 | 487 |
| Volatile liabilities | $166,921,000 | 707 |
| Insider loans | $185,000 | 6,809 |
| FHLB advances | $0 | 5,150 |
| Loans and leases held for sale | $0 | 1,884 |
| Unused loan commitments | $145,461,000 | 650 |
| Tier 1 (core) risk-based capital | $66,423,000 | 778 |
| Tier 2 risk-based capital | $6,026,000 | 773 |
| Total risk weighted assets | $579,363,000 | 686 |
| Total unused commitments | $145,461,000 | 651 |
| Derivatives | $128,086,000 | 174 |
| 2003-12-31 | Rank | |
| # of Employees: | 136 | 1,249 |
| Assets and Liabilities | ||
| Total Assets: | $1,176,879,000 | 499 |
| Cash and due from depository institutions | $45,594,000 | 1,249 |
| Interest-bearing balances | $945,000 | 3,015 |
| Securities | $344,712,000 | 428 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,359 |
| Net loans & leases | $690,374,000 | 541 |
| Loan loss allowance | $5,824,000 | 805 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $4,959,000 | 1,998 |
| Other real estate owned | $150,000 | 1,249 |
| Goodwill and other intangibles | $80,834,000 | 153 |
| All other assets | $10,256,000 | 1,403 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $1,176,879,000 | 499 |
| Total liabilities | $1,034,058,000 | 507 |
| Total deposits | $969,576,000 | 450 |
| Interest-bearing deposits | $809,925,000 | 460 |
| Deposits held in domestic offices | $969,576,000 | 449 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $61,083,000 | 401 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $0 | 5,772 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $3,399,000 | 1,243 |
| Total equity capital | $142,821,000 | 425 |
| Total bank equity capital | $142,821,000 | 425 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $500,000 | 4,182 |
| Surplus | $124,500,000 | 274 |
| Undivided profits | $17,821,000 | 1,814 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,867,000 | 1,632 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $94,000 | 835 |
| Income earned, not collected on loans | $3,700,000 | 689 |
| Earning assets | $1,036,031,000 | 510 |
| Long-term assets (5+ years) | $749,733,000 | 191 |
| Average Assets, year-to-date | $1,007,738,400 | 552 |
| Average Assets, quarterly | $1,128,818,000 | 516 |
| Volatile liabilities | $128,256,000 | 871 |
| Insider loans | $0 | 8,219 |
| FHLB advances | $0 | 5,171 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $129,789,000 | 691 |
| Tier 1 (core) risk-based capital | $63,069,000 | 806 |
| Tier 2 risk-based capital | $5,824,000 | 791 |
| Total risk weighted assets | $545,639,000 | 708 |
| Total unused commitments | $129,789,000 | 691 |
| Derivatives | $115,590,000 | 171 |
| 2003-09-30 | Rank | |
| # of Employees: | 134 | 1,284 |
| Assets and Liabilities | ||
| Total Assets: | $1,080,757,000 | 550 |
| Cash and due from depository institutions | $46,404,000 | 1,284 |
| Interest-bearing balances | $1,112,000 | 2,960 |
| Securities | $322,616,000 | 456 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,602 |
| Net loans & leases | $614,545,000 | 599 |
| Loan loss allowance | $5,788,000 | 829 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $4,983,000 | 1,965 |
| Other real estate owned | $295,000 | 1,284 |
| Goodwill and other intangibles | $81,344,000 | 156 |
| All other assets | $10,570,000 | 1,368 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $1,080,757,000 | 550 |
| Total liabilities | $939,560,000 | 563 |
| Total deposits | $919,463,000 | 478 |
| Interest-bearing deposits | $752,187,000 | 493 |
| Deposits held in domestic offices | $919,463,000 | 477 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $15,070,000 | 871 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $0 | 5,773 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $5,027,000 | 956 |
| Total equity capital | $141,197,000 | 441 |
| Total bank equity capital | $141,197,000 | 441 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $500,000 | 4,213 |
| Surplus | $124,500,000 | 282 |
| Undivided profits | $16,197,000 | 1,995 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,116,000 | 1,545 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $155,000 | 746 |
| Income earned, not collected on loans | $4,198,000 | 634 |
| Earning assets | $938,273,000 | 569 |
| Long-term assets (5+ years) | $594,140,000 | 227 |
| Average Assets, year-to-date | $965,453,250 | 588 |
| Average Assets, quarterly | $1,035,471,000 | 565 |
| Volatile liabilities | $74,254,000 | 1,373 |
| Insider loans | $0 | 8,298 |
| FHLB advances | $0 | 5,135 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $109,038,000 | 815 |
| Tier 1 (core) risk-based capital | $58,095,000 | 886 |
| Tier 2 risk-based capital | $5,788,000 | 806 |
| Total risk weighted assets | $488,743,000 | 787 |
| Total unused commitments | $109,038,000 | 817 |
| Derivatives | $113,501,000 | 180 |
| 2003-06-30 | Rank | |
| # of Employees: | 141 | 1,202 |
| Assets and Liabilities | ||
| Total Assets: | $990,185,000 | 583 |
| Cash and due from depository institutions | $37,599,000 | 1,202 |
| Interest-bearing balances | $1,870,000 | 2,565 |
| Securities | $340,154,000 | 432 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,888 |
| Net loans & leases | $515,596,000 | 694 |
| Loan loss allowance | $4,567,000 | 1,002 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $6,072,000 | 1,573 |
| Other real estate owned | $295,000 | 1,202 |
| Goodwill and other intangibles | $82,406,000 | 142 |
| All other assets | $8,063,000 | 1,671 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $990,185,000 | 583 |
| Total liabilities | $851,091,000 | 601 |
| Total deposits | $805,577,000 | 542 |
| Interest-bearing deposits | $660,315,000 | 549 |
| Deposits held in domestic offices | $805,577,000 | 541 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $39,895,000 | 479 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $0 | 5,772 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $5,619,000 | 932 |
| Total equity capital | $139,094,000 | 436 |
| Total bank equity capital | $139,094,000 | 436 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $500,000 | 4,224 |
| Surplus | $124,500,000 | 273 |
| Undivided profits | $14,094,000 | 2,278 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,044,000 | 1,578 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $113,000 | 911 |
| Income earned, not collected on loans | $3,395,000 | 768 |
| Earning assets | $857,620,000 | 609 |
| Long-term assets (5+ years) | $384,289,000 | 297 |
| Average Assets, year-to-date | $927,018,670 | 605 |
| Average Assets, quarterly | $961,180,000 | 594 |
| Volatile liabilities | $96,658,000 | 1,091 |
| Insider loans | $0 | 8,352 |
| FHLB advances | $0 | 5,105 |
| Loans and leases held for sale | $45,000 | 2,027 |
| Unused loan commitments | $105,301,000 | 822 |
| Tier 1 (core) risk-based capital | $54,314,000 | 924 |
| Tier 2 risk-based capital | $4,567,000 | 945 |
| Total risk weighted assets | $439,947,000 | 855 |
| Total unused commitments | $105,301,000 | 826 |
| Derivatives | $111,401,000 | 187 |
| 2003-03-31 | Rank | |
| # of Employees: | 130 | 1,309 |
| Assets and Liabilities | ||
| Total Assets: | $932,175,000 | 602 |
| Cash and due from depository institutions | $42,202,000 | 1,309 |
| Interest-bearing balances | $1,556,000 | 2,758 |
| Securities | $385,953,000 | 377 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,247 |
| Net loans & leases | $405,345,000 | 849 |
| Loan loss allowance | $4,801,000 | 946 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $5,933,000 | 1,577 |
| Other real estate owned | $295,000 | 1,309 |
| Goodwill and other intangibles | $82,904,000 | 140 |
| All other assets | $9,543,000 | 1,420 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $932,175,000 | 602 |
| Total liabilities | $796,440,000 | 632 |
| Total deposits | $777,898,000 | 549 |
| Interest-bearing deposits | $626,233,000 | 585 |
| Deposits held in domestic offices | $777,898,000 | 547 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $11,056,000 | 940 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $0 | 5,712 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $7,486,000 | 765 |
| Total equity capital | $135,735,000 | 431 |
| Total bank equity capital | $135,735,000 | 431 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $500,000 | 4,236 |
| Surplus | $124,500,000 | 272 |
| Undivided profits | $10,735,000 | 2,808 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,436,000 | 2,141 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $125,000 | 862 |
| Income earned, not collected on loans | $4,281,000 | 625 |
| Earning assets | $792,854,000 | 646 |
| Long-term assets (5+ years) | $291,360,000 | 376 |
| Average Assets, year-to-date | $895,435,500 | 619 |
| Average Assets, quarterly | $895,435,500 | 619 |
| Volatile liabilities | $72,420,000 | 1,360 |
| Insider loans | $0 | 8,373 |
| FHLB advances | $0 | 5,057 |
| Loans and leases held for sale | $53,000 | 1,940 |
| Unused loan commitments | $90,065,000 | 886 |
| Tier 1 (core) risk-based capital | $50,441,000 | 987 |
| Tier 2 risk-based capital | $4,642,000 | 915 |
| Total risk weighted assets | $371,225,000 | 989 |
| Total unused commitments | $90,065,000 | 891 |
| Derivatives | $60,278,000 | 226 |
| 2002-12-31 | Rank | |
| # of Employees: | 130 | 1,295 |
| Assets and Liabilities | ||
| Total Assets: | $858,696,000 | 637 |
| Cash and due from depository institutions | $13,811,000 | 1,295 |
| Interest-bearing balances | $712,000 | 3,419 |
| Securities | $346,971,000 | 395 |
| Federal funds sold & reverse repurchase agreements | $100,000,000 | 169 |
| Net loans & leases | $300,681,000 | 1,135 |
| Loan loss allowance | $4,590,000 | 964 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $5,867,000 | 1,585 |
| Other real estate owned | $295,000 | 1,295 |
| Goodwill and other intangibles | $83,441,000 | 135 |
| All other assets | $7,630,000 | 1,648 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $858,696,000 | 637 |
| Total liabilities | $725,154,000 | 680 |
| Total deposits | $655,919,000 | 628 |
| Interest-bearing deposits | $528,309,000 | 679 |
| Deposits held in domestic offices | $655,919,000 | 626 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $18,000 | 3,208 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $63,050,000 | 691 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $6,167,000 | 855 |
| Total equity capital | $133,542,000 | 431 |
| Total bank equity capital | $133,542,000 | 431 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $500,000 | 4,241 |
| Surplus | $124,500,000 | 260 |
| Undivided profits | $8,542,000 | 3,308 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,391,000 | 2,118 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $116,000 | 837 |
| Income earned, not collected on loans | $3,402,000 | 812 |
| Earning assets | $748,364,000 | 666 |
| Long-term assets (5+ years) | $179,237,000 | 559 |
| Average Assets, year-to-date | $742,428,600 | 689 |
| Average Assets, quarterly | $807,082,500 | 673 |
| Volatile liabilities | $110,791,000 | 938 |
| Insider loans | $0 | 8,414 |
| FHLB advances | $0 | 5,074 |
| Loans and leases held for sale | $26,000 | 1,883 |
| Unused loan commitments | $82,271,000 | 922 |
| Tier 1 (core) risk-based capital | $44,123,000 | 1,085 |
| Tier 2 risk-based capital | $3,898,000 | 1,043 |
| Total risk weighted assets | $311,150,000 | 1,151 |
| Total unused commitments | $82,271,000 | 925 |
| Derivatives | $2,400,000 | 437 |
| 2001-12-31 | Rank | |
| # of Employees: | 119 | 1,417 |
| Assets and Liabilities | ||
| Total Assets: | $682,605,000 | 757 |
| Cash and due from depository institutions | $12,845,000 | 1,417 |
| Interest-bearing balances | $2,675,000 | 1,951 |
| Securities | $164,817,000 | 703 |
| Federal funds sold & reverse repurchase agreements | $195,000,000 | 112 |
| Net loans & leases | $218,888,000 | 1,515 |
| Loan loss allowance | $4,614,000 | 914 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $3,526,000 | 2,569 |
| Other real estate owned | $0 | 1,417 |
| Goodwill and other intangibles | $83,786,000 | 126 |
| All other assets | $3,743,000 | 2,839 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $682,605,000 | 757 |
| Total liabilities | $558,233,000 | 834 |
| Total deposits | $547,322,000 | 715 |
| Interest-bearing deposits | $429,157,000 | 801 |
| Deposits held in domestic offices | $547,322,000 | 710 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,416 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $2,000 | 5,668 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $10,909,000 | 581 |
| Total equity capital | $124,372,000 | 431 |
| Total bank equity capital | $124,372,000 | 431 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $500,000 | 4,329 |
| Surplus | $124,500,000 | 253 |
| Undivided profits | $-628,000 | 9,107 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,203,000 | 2,338 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $657,000 | 295 |
| Income earned, not collected on loans | $1,966,000 | 1,676 |
| Earning assets | $581,380,000 | 811 |
| Long-term assets (5+ years) | $119,117,000 | 825 |
| Average Assets, year-to-date | $682,605,000 | 727 |
| Average Assets, quarterly | $682,605,000 | 749 |
| Volatile liabilities | $39,148,000 | 2,169 |
| Insider loans | $0 | 8,624 |
| FHLB advances | $0 | 4,938 |
| Loans and leases held for sale | $657,000 | 1,323 |
| Unused loan commitments | $28,951,000 | 1,909 |
| Tier 1 (core) risk-based capital | $40,575,000 | 1,122 |
| Tier 2 risk-based capital | $3,156,000 | 1,225 |
| Total risk weighted assets | $251,016,000 | 1,366 |
| Total unused commitments | $28,951,000 | 1,918 |
| Derivatives | $0 | 450 |