Home > Citizens Savings Bank > Assets and Liabilities
Citizens Savings Bank, Assets and Liabilities
| 2005-09-30 | Rank | |
| # of Employees: | 82 | 2,105 |
| Assets and Liabilities | ||
| Total Assets: | $316,828,000 | 1,930 |
| Cash and due from depository institutions | $22,806,000 | 2,105 |
| Interest-bearing balances | $17,170,000 | 328 |
| Securities | $23,604,000 | 4,147 |
| Federal funds sold & reverse repurchase agreements | $2,386,000 | 3,486 |
| Net loans & leases | $212,411,000 | 1,962 |
| Loan loss allowance | $3,529,000 | 1,384 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $6,039,000 | 1,804 |
| Other real estate owned | $40,000 | 2,105 |
| Goodwill and other intangibles | $26,017,000 | 324 |
| All other assets | $23,525,000 | 745 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $316,828,000 | 1,930 |
| Total liabilities | $263,092,000 | 2,072 |
| Total deposits | $222,489,000 | 2,220 |
| Interest-bearing deposits | $189,654,000 | 2,180 |
| Deposits held in domestic offices | $222,489,000 | 2,214 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,623 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $34,450,000 | 1,202 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $6,153,000 | 838 |
| Total equity capital | $53,736,000 | 1,122 |
| Total bank equity capital | $53,736,000 | 1,122 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $1,000 | 7,876 |
| Surplus | $53,486,000 | 528 |
| Undivided profits | $249,000 | 7,888 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $466,000 | 3,917 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $1,482,000 | 2,334 |
| Earning assets | $255,571,000 | 2,180 |
| Long-term assets (5+ years) | $63,628,000 | 1,470 |
| Average Assets, year-to-date | $314,368,250 | 1,872 |
| Average Assets, quarterly | $317,692,000 | 1,903 |
| Volatile liabilities | $55,003,000 | 2,204 |
| Insider loans | $7,889,000 | 788 |
| FHLB advances | $34,450,000 | 1,122 |
| Loans and leases held for sale | $845,000 | 1,026 |
| Unused loan commitments | $18,423,000 | 3,430 |
| Tier 1 (core) risk-based capital | $30,102,000 | 1,969 |
| Tier 2 risk-based capital | $2,422,000 | 1,926 |
| Total risk weighted assets | $192,679,000 | 2,214 |
| Total unused commitments | $18,423,000 | 3,432 |
| Derivatives | $0 | 909 |
| 2005-06-30 | Rank | |
| # of Employees: | 83 | 2,076 |
| Assets and Liabilities | ||
| Total Assets: | $318,556,000 | 1,876 |
| Cash and due from depository institutions | $16,112,000 | 2,076 |
| Interest-bearing balances | $9,685,000 | 566 |
| Securities | $26,306,000 | 3,909 |
| Federal funds sold & reverse repurchase agreements | $2,313,000 | 3,301 |
| Net loans & leases | $218,242,000 | 1,847 |
| Loan loss allowance | $3,420,000 | 1,409 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $5,948,000 | 1,785 |
| Other real estate owned | $41,000 | 2,076 |
| Goodwill and other intangibles | $26,236,000 | 309 |
| All other assets | $23,358,000 | 746 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $318,556,000 | 1,876 |
| Total liabilities | $264,365,000 | 2,020 |
| Total deposits | $223,969,000 | 2,156 |
| Interest-bearing deposits | $194,237,000 | 2,087 |
| Deposits held in domestic offices | $223,969,000 | 2,151 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,721 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $34,525,000 | 1,218 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $5,871,000 | 813 |
| Total equity capital | $54,191,000 | 1,101 |
| Total bank equity capital | $54,191,000 | 1,101 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $1,000 | 7,881 |
| Surplus | $53,486,000 | 512 |
| Undivided profits | $704,000 | 7,492 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $522,000 | 3,602 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $1,522,000 | 2,053 |
| Earning assets | $256,546,000 | 2,132 |
| Long-term assets (5+ years) | $67,535,000 | 1,398 |
| Average Assets, year-to-date | $313,548,330 | 1,863 |
| Average Assets, quarterly | $309,247,500 | 1,911 |
| Volatile liabilities | $47,599,000 | 2,364 |
| Insider loans | $6,938,000 | 888 |
| FHLB advances | $34,525,000 | 1,131 |
| Loans and leases held for sale | $478,000 | 1,265 |
| Unused loan commitments | $23,587,000 | 2,877 |
| Tier 1 (core) risk-based capital | $30,340,000 | 1,882 |
| Tier 2 risk-based capital | $2,468,000 | 1,867 |
| Total risk weighted assets | $196,495,000 | 2,128 |
| Total unused commitments | $23,587,000 | 2,878 |
| Derivatives | $0 | 866 |
| 2005-03-31 | Rank | |
| # of Employees: | 84 | 2,038 |
| Assets and Liabilities | ||
| Total Assets: | $299,939,000 | 1,968 |
| Cash and due from depository institutions | $17,960,000 | 2,038 |
| Interest-bearing balances | $12,114,000 | 460 |
| Securities | $24,865,000 | 4,125 |
| Federal funds sold & reverse repurchase agreements | $3,328,000 | 3,129 |
| Net loans & leases | $225,116,000 | 1,775 |
| Loan loss allowance | $3,384,000 | 1,412 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $5,459,000 | 1,948 |
| Other real estate owned | $60,000 | 2,038 |
| Goodwill and other intangibles | $335,000 | 2,313 |
| All other assets | $22,816,000 | 741 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $299,939,000 | 1,968 |
| Total liabilities | $269,284,000 | 1,963 |
| Total deposits | $232,670,000 | 2,056 |
| Interest-bearing deposits | $203,521,000 | 1,985 |
| Deposits held in domestic offices | $232,670,000 | 2,050 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,328 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $34,600,000 | 1,174 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $2,014,000 | 1,958 |
| Total equity capital | $30,655,000 | 1,895 |
| Total bank equity capital | $30,655,000 | 1,895 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $1,000 | 7,942 |
| Surplus | $14,713,000 | 1,521 |
| Undivided profits | $15,941,000 | 2,002 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $446,000 | 3,936 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $1,853,000 | 1,604 |
| Earning assets | $265,423,000 | 2,043 |
| Long-term assets (5+ years) | $82,603,000 | 1,190 |
| Average Assets, year-to-date | $311,044,500 | 1,874 |
| Average Assets, quarterly | $311,044,500 | 1,874 |
| Volatile liabilities | $29,808,000 | 3,199 |
| Insider loans | $6,919,000 | 875 |
| FHLB advances | $34,600,000 | 1,094 |
| Loans and leases held for sale | $282,000 | 1,351 |
| Unused loan commitments | $21,351,000 | 2,991 |
| Tier 1 (core) risk-based capital | $30,804,000 | 1,805 |
| Tier 2 risk-based capital | $2,497,000 | 1,825 |
| Total risk weighted assets | $198,842,000 | 2,064 |
| Total unused commitments | $21,351,000 | 2,994 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 85 | 2,015 |
| Assets and Liabilities | ||
| Total Assets: | $322,150,000 | 1,822 |
| Cash and due from depository institutions | $27,635,000 | 2,015 |
| Interest-bearing balances | $22,199,000 | 244 |
| Securities | $26,052,000 | 3,990 |
| Federal funds sold & reverse repurchase agreements | $8,207,000 | 1,422 |
| Net loans & leases | $231,546,000 | 1,704 |
| Loan loss allowance | $2,686,000 | 1,740 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $5,515,000 | 1,911 |
| Other real estate owned | $92,000 | 2,015 |
| Goodwill and other intangibles | $356,000 | 2,281 |
| All other assets | $22,747,000 | 723 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $322,150,000 | 1,822 |
| Total liabilities | $290,167,000 | 1,820 |
| Total deposits | $231,508,000 | 2,031 |
| Interest-bearing deposits | $208,330,000 | 1,911 |
| Deposits held in domestic offices | $231,508,000 | 2,026 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,470 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $56,675,000 | 817 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $1,984,000 | 1,937 |
| Total equity capital | $31,983,000 | 1,808 |
| Total bank equity capital | $31,983,000 | 1,808 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $1,000 | 7,988 |
| Surplus | $14,713,000 | 1,509 |
| Undivided profits | $17,269,000 | 1,922 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $725,000 | 3,058 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $2,168,000 | 1,287 |
| Earning assets | $288,004,000 | 1,884 |
| Long-term assets (5+ years) | $86,757,000 | 1,165 |
| Average Assets, year-to-date | $332,651,600 | 1,700 |
| Average Assets, quarterly | $322,457,500 | 1,814 |
| Volatile liabilities | $59,619,000 | 1,834 |
| Insider loans | $6,617,000 | 900 |
| FHLB advances | $56,675,000 | 737 |
| Loans and leases held for sale | $587,000 | 1,069 |
| Unused loan commitments | $25,284,000 | 2,581 |
| Tier 1 (core) risk-based capital | $31,994,000 | 1,700 |
| Tier 2 risk-based capital | $2,594,000 | 1,747 |
| Total risk weighted assets | $207,517,000 | 1,953 |
| Total unused commitments | $25,284,000 | 2,582 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 87 | 1,963 |
| Assets and Liabilities | ||
| Total Assets: | $322,765,000 | 1,811 |
| Cash and due from depository institutions | $21,355,000 | 1,963 |
| Interest-bearing balances | $15,288,000 | 394 |
| Securities | $26,998,000 | 3,900 |
| Federal funds sold & reverse repurchase agreements | $10,178,000 | 1,111 |
| Net loans & leases | $234,139,000 | 1,647 |
| Loan loss allowance | $3,114,000 | 1,509 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $5,843,000 | 1,737 |
| Other real estate owned | $631,000 | 1,963 |
| Goodwill and other intangibles | $385,000 | 2,208 |
| All other assets | $23,236,000 | 700 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $322,765,000 | 1,811 |
| Total liabilities | $291,466,000 | 1,800 |
| Total deposits | $232,193,000 | 1,981 |
| Interest-bearing deposits | $206,890,000 | 1,884 |
| Deposits held in domestic offices | $232,193,000 | 1,975 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,678 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $56,750,000 | 822 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $2,523,000 | 1,587 |
| Total equity capital | $31,299,000 | 1,839 |
| Total bank equity capital | $31,299,000 | 1,839 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $1,000 | 8,031 |
| Surplus | $14,713,000 | 1,481 |
| Undivided profits | $16,585,000 | 1,988 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,822,000 | 1,522 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $2,140,000 | 1,340 |
| Earning assets | $286,603,000 | 1,865 |
| Long-term assets (5+ years) | $87,470,000 | 1,181 |
| Average Assets, year-to-date | $335,277,000 | 1,689 |
| Average Assets, quarterly | $326,512,000 | 1,762 |
| Volatile liabilities | $57,550,000 | 1,855 |
| Insider loans | $6,441,000 | 907 |
| FHLB advances | $56,750,000 | 741 |
| Loans and leases held for sale | $959,000 | 903 |
| Unused loan commitments | $21,865,000 | 2,826 |
| Tier 1 (core) risk-based capital | $31,250,000 | 1,718 |
| Tier 2 risk-based capital | $2,632,000 | 1,696 |
| Total risk weighted assets | $210,115,000 | 1,897 |
| Total unused commitments | $21,865,000 | 2,830 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 83 | 2,057 |
| Assets and Liabilities | ||
| Total Assets: | $330,259,000 | 1,747 |
| Cash and due from depository institutions | $28,071,000 | 2,057 |
| Interest-bearing balances | $21,402,000 | 275 |
| Securities | $22,945,000 | 4,396 |
| Federal funds sold & reverse repurchase agreements | $10,076,000 | 1,078 |
| Net loans & leases | $239,330,000 | 1,567 |
| Loan loss allowance | $3,087,000 | 1,506 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $5,844,000 | 1,722 |
| Other real estate owned | $708,000 | 2,057 |
| Goodwill and other intangibles | $413,000 | 2,178 |
| All other assets | $22,872,000 | 708 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $330,259,000 | 1,747 |
| Total liabilities | $298,983,000 | 1,741 |
| Total deposits | $240,159,000 | 1,913 |
| Interest-bearing deposits | $216,013,000 | 1,785 |
| Deposits held in domestic offices | $240,159,000 | 1,906 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,750 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $56,825,000 | 825 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $1,999,000 | 1,775 |
| Total equity capital | $31,276,000 | 1,737 |
| Total bank equity capital | $31,276,000 | 1,737 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $1,000 | 8,087 |
| Surplus | $14,713,000 | 1,431 |
| Undivided profits | $16,562,000 | 1,882 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,611,000 | 1,090 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $2,052,000 | 1,311 |
| Earning assets | $293,753,000 | 1,786 |
| Long-term assets (5+ years) | $87,145,000 | 1,237 |
| Average Assets, year-to-date | $339,447,670 | 1,654 |
| Average Assets, quarterly | $336,529,000 | 1,693 |
| Volatile liabilities | $50,194,000 | 2,040 |
| Insider loans | $5,277,000 | 1,070 |
| FHLB advances | $56,825,000 | 747 |
| Loans and leases held for sale | $1,761,000 | 671 |
| Unused loan commitments | $24,956,000 | 2,574 |
| Tier 1 (core) risk-based capital | $31,333,000 | 1,658 |
| Tier 2 risk-based capital | $2,663,000 | 1,655 |
| Total risk weighted assets | $212,606,000 | 1,835 |
| Total unused commitments | $24,956,000 | 2,578 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 86 | 1,984 |
| Assets and Liabilities | ||
| Total Assets: | $342,799,000 | 1,668 |
| Cash and due from depository institutions | $20,653,000 | 1,984 |
| Interest-bearing balances | $13,293,000 | 554 |
| Securities | $19,774,000 | 4,795 |
| Federal funds sold & reverse repurchase agreements | $10,074,000 | 1,452 |
| Net loans & leases | $261,030,000 | 1,409 |
| Loan loss allowance | $3,168,000 | 1,460 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $5,978,000 | 1,656 |
| Other real estate owned | $2,057,000 | 1,984 |
| Goodwill and other intangibles | $448,000 | 2,110 |
| All other assets | $22,785,000 | 678 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $342,799,000 | 1,668 |
| Total liabilities | $311,722,000 | 1,654 |
| Total deposits | $252,531,000 | 1,804 |
| Interest-bearing deposits | $223,867,000 | 1,739 |
| Deposits held in domestic offices | $252,531,000 | 1,799 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,174 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $56,900,000 | 758 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $2,291,000 | 1,783 |
| Total equity capital | $31,077,000 | 1,800 |
| Total bank equity capital | $31,077,000 | 1,800 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $1,000 | 8,119 |
| Surplus | $14,713,000 | 1,412 |
| Undivided profits | $16,363,000 | 2,000 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,125,000 | 963 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $1,879,000 | 1,435 |
| Earning assets | $304,171,000 | 1,722 |
| Long-term assets (5+ years) | $87,013,000 | 1,181 |
| Average Assets, year-to-date | $344,042,000 | 1,642 |
| Average Assets, quarterly | $344,042,000 | 1,642 |
| Volatile liabilities | $54,448,000 | 1,831 |
| Insider loans | $6,066,000 | 909 |
| FHLB advances | $56,900,000 | 679 |
| Loans and leases held for sale | $195,000 | 1,620 |
| Unused loan commitments | $22,826,000 | 2,698 |
| Tier 1 (core) risk-based capital | $30,539,000 | 1,693 |
| Tier 2 risk-based capital | $2,904,000 | 1,517 |
| Total risk weighted assets | $232,062,000 | 1,673 |
| Total unused commitments | $22,826,000 | 2,706 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 85 | 2,036 |
| Assets and Liabilities | ||
| Total Assets: | $345,285,000 | 1,638 |
| Cash and due from depository institutions | $12,920,000 | 2,036 |
| Interest-bearing balances | $6,229,000 | 987 |
| Securities | $20,744,000 | 4,714 |
| Federal funds sold & reverse repurchase agreements | $3,248,000 | 3,146 |
| Net loans & leases | $275,944,000 | 1,308 |
| Loan loss allowance | $3,022,000 | 1,521 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $6,183,000 | 1,573 |
| Other real estate owned | $2,900,000 | 2,036 |
| Goodwill and other intangibles | $469,000 | 2,077 |
| All other assets | $22,877,000 | 682 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $345,285,000 | 1,638 |
| Total liabilities | $314,953,000 | 1,624 |
| Total deposits | $250,754,000 | 1,804 |
| Interest-bearing deposits | $227,122,000 | 1,689 |
| Deposits held in domestic offices | $250,754,000 | 1,799 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,433 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $61,975,000 | 727 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $2,224,000 | 1,720 |
| Total equity capital | $30,332,000 | 1,807 |
| Total bank equity capital | $30,332,000 | 1,807 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $1,000 | 8,179 |
| Surplus | $14,713,000 | 1,380 |
| Undivided profits | $15,618,000 | 2,049 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,459,000 | 1,251 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $2,551,000 | 1,034 |
| Earning assets | $306,165,000 | 1,692 |
| Long-term assets (5+ years) | $88,681,000 | 1,195 |
| Average Assets, year-to-date | $346,888,000 | 1,570 |
| Average Assets, quarterly | $345,620,500 | 1,618 |
| Volatile liabilities | $61,423,000 | 1,638 |
| Insider loans | $12,231,000 | 386 |
| FHLB advances | $61,975,000 | 644 |
| Loans and leases held for sale | $376,000 | 1,262 |
| Unused loan commitments | $29,806,000 | 2,157 |
| Tier 1 (core) risk-based capital | $29,847,000 | 1,713 |
| Tier 2 risk-based capital | $3,022,000 | 1,459 |
| Total risk weighted assets | $242,979,000 | 1,592 |
| Total unused commitments | $29,806,000 | 2,160 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 85 | 2,053 |
| Assets and Liabilities | ||
| Total Assets: | $345,956,000 | 1,630 |
| Cash and due from depository institutions | $12,231,000 | 2,053 |
| Interest-bearing balances | $3,791,000 | 1,655 |
| Securities | $22,302,000 | 4,456 |
| Federal funds sold & reverse repurchase agreements | $2,530,000 | 3,919 |
| Net loans & leases | $275,374,000 | 1,303 |
| Loan loss allowance | $1,788,000 | 2,484 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $6,305,000 | 1,524 |
| Other real estate owned | $3,839,000 | 2,053 |
| Goodwill and other intangibles | $507,000 | 2,009 |
| All other assets | $22,868,000 | 688 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $345,956,000 | 1,630 |
| Total liabilities | $314,806,000 | 1,617 |
| Total deposits | $247,028,000 | 1,832 |
| Interest-bearing deposits | $219,309,000 | 1,763 |
| Deposits held in domestic offices | $247,028,000 | 1,828 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,347 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $65,050,000 | 692 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $2,728,000 | 1,535 |
| Total equity capital | $31,150,000 | 1,762 |
| Total bank equity capital | $31,150,000 | 1,762 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $1,000 | 8,232 |
| Surplus | $14,713,000 | 1,371 |
| Undivided profits | $16,436,000 | 1,958 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,422,000 | 1,344 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $2,683,000 | 1,019 |
| Earning assets | $303,997,000 | 1,706 |
| Long-term assets (5+ years) | $95,091,000 | 1,151 |
| Average Assets, year-to-date | $347,288,750 | 1,588 |
| Average Assets, quarterly | $344,254,500 | 1,624 |
| Volatile liabilities | $65,108,000 | 1,543 |
| Insider loans | $12,627,000 | 367 |
| FHLB advances | $65,050,000 | 616 |
| Loans and leases held for sale | $4,332,000 | 574 |
| Unused loan commitments | $21,088,000 | 2,742 |
| Tier 1 (core) risk-based capital | $30,627,000 | 1,672 |
| Tier 2 risk-based capital | $1,788,000 | 2,283 |
| Total risk weighted assets | $240,457,000 | 1,602 |
| Total unused commitments | $21,088,000 | 2,745 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 86 | 2,028 |
| Assets and Liabilities | ||
| Total Assets: | $342,553,000 | 1,632 |
| Cash and due from depository institutions | $25,852,000 | 2,028 |
| Interest-bearing balances | $19,288,000 | 439 |
| Securities | $23,495,000 | 4,223 |
| Federal funds sold & reverse repurchase agreements | $7,763,000 | 2,062 |
| Net loans & leases | $261,164,000 | 1,350 |
| Loan loss allowance | $1,624,000 | 2,655 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $6,454,000 | 1,457 |
| Other real estate owned | $4,998,000 | 2,028 |
| Goodwill and other intangibles | $391,000 | 2,114 |
| All other assets | $12,436,000 | 1,140 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $342,553,000 | 1,632 |
| Total liabilities | $310,978,000 | 1,617 |
| Total deposits | $241,121,000 | 1,862 |
| Interest-bearing deposits | $215,582,000 | 1,767 |
| Deposits held in domestic offices | $241,121,000 | 1,858 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,266 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $66,925,000 | 676 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $2,932,000 | 1,508 |
| Total equity capital | $31,575,000 | 1,735 |
| Total bank equity capital | $31,575,000 | 1,735 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $1,000 | 8,259 |
| Surplus | $14,713,000 | 1,341 |
| Undivided profits | $16,861,000 | 1,939 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,524,000 | 2,056 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $2,438,000 | 1,115 |
| Earning assets | $311,710,000 | 1,632 |
| Long-term assets (5+ years) | $89,263,000 | 1,139 |
| Average Assets, year-to-date | $347,733,000 | 1,567 |
| Average Assets, quarterly | $345,397,000 | 1,594 |
| Volatile liabilities | $69,573,000 | 1,436 |
| Insider loans | $8,964,000 | 538 |
| FHLB advances | $66,925,000 | 602 |
| Loans and leases held for sale | $5,471,000 | 669 |
| Unused loan commitments | $19,925,000 | 2,813 |
| Tier 1 (core) risk-based capital | $30,918,000 | 1,628 |
| Tier 2 risk-based capital | $1,624,000 | 2,443 |
| Total risk weighted assets | $234,282,000 | 1,608 |
| Total unused commitments | $19,925,000 | 2,821 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 84 | 2,065 |
| Assets and Liabilities | ||
| Total Assets: | $348,241,000 | 1,573 |
| Cash and due from depository institutions | $25,803,000 | 2,065 |
| Interest-bearing balances | $18,953,000 | 434 |
| Securities | $19,999,000 | 4,670 |
| Federal funds sold & reverse repurchase agreements | $7,753,000 | 2,218 |
| Net loans & leases | $275,414,000 | 1,262 |
| Loan loss allowance | $2,416,000 | 1,820 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $6,613,000 | 1,399 |
| Other real estate owned | $3,641,000 | 2,065 |
| Goodwill and other intangibles | $379,000 | 2,115 |
| All other assets | $8,639,000 | 1,543 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $348,241,000 | 1,573 |
| Total liabilities | $316,513,000 | 1,563 |
| Total deposits | $246,384,000 | 1,786 |
| Interest-bearing deposits | $222,744,000 | 1,698 |
| Deposits held in domestic offices | $246,384,000 | 1,783 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,057 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $67,000,000 | 655 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $3,129,000 | 1,472 |
| Total equity capital | $31,728,000 | 1,680 |
| Total bank equity capital | $31,728,000 | 1,680 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $1,000 | 8,301 |
| Surplus | $14,713,000 | 1,319 |
| Undivided profits | $17,014,000 | 1,860 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,433,000 | 608 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $2,687,000 | 1,037 |
| Earning assets | $322,119,000 | 1,552 |
| Long-term assets (5+ years) | $84,494,000 | 1,152 |
| Average Assets, year-to-date | $350,323,000 | 1,546 |
| Average Assets, quarterly | $350,323,000 | 1,546 |
| Volatile liabilities | $64,811,000 | 1,496 |
| Insider loans | $9,033,000 | 534 |
| FHLB advances | $67,000,000 | 579 |
| Loans and leases held for sale | $3,055,000 | 827 |
| Unused loan commitments | $22,421,000 | 2,508 |
| Tier 1 (core) risk-based capital | $31,103,000 | 1,590 |
| Tier 2 risk-based capital | $2,416,000 | 1,685 |
| Total risk weighted assets | $239,142,000 | 1,546 |
| Total unused commitments | $22,421,000 | 2,516 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 82 | 2,107 |
| Assets and Liabilities | ||
| Total Assets: | $352,405,000 | 1,524 |
| Cash and due from depository institutions | $22,849,000 | 2,107 |
| Interest-bearing balances | $12,119,000 | 648 |
| Securities | $20,706,000 | 4,539 |
| Federal funds sold & reverse repurchase agreements | $9,252,000 | 1,564 |
| Net loans & leases | $281,934,000 | 1,220 |
| Loan loss allowance | $3,729,000 | 1,193 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $6,792,000 | 1,348 |
| Other real estate owned | $2,341,000 | 2,107 |
| Goodwill and other intangibles | $407,000 | 2,057 |
| All other assets | $8,124,000 | 1,569 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $352,405,000 | 1,524 |
| Total liabilities | $321,232,000 | 1,513 |
| Total deposits | $249,843,000 | 1,732 |
| Interest-bearing deposits | $225,179,000 | 1,655 |
| Deposits held in domestic offices | $249,843,000 | 1,729 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,222 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $69,075,000 | 643 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $2,314,000 | 1,824 |
| Total equity capital | $31,173,000 | 1,676 |
| Total bank equity capital | $31,173,000 | 1,676 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $1,000 | 8,336 |
| Surplus | $14,713,000 | 1,292 |
| Undivided profits | $16,459,000 | 1,895 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $6,163,000 | 544 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $2,966,000 | 950 |
| Earning assets | $324,011,000 | 1,521 |
| Long-term assets (5+ years) | $91,775,000 | 1,045 |
| Average Assets, year-to-date | $345,557,400 | 1,466 |
| Average Assets, quarterly | $349,460,500 | 1,514 |
| Volatile liabilities | $50,970,000 | 1,798 |
| Insider loans | $9,787,000 | 475 |
| FHLB advances | $69,075,000 | 566 |
| Loans and leases held for sale | $5,761,000 | 654 |
| Unused loan commitments | $30,281,000 | 1,946 |
| Tier 1 (core) risk-based capital | $30,485,000 | 1,586 |
| Tier 2 risk-based capital | $3,034,000 | 1,350 |
| Total risk weighted assets | $242,019,000 | 1,502 |
| Total unused commitments | $30,281,000 | 1,949 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 91 | 1,879 |
| Assets and Liabilities | ||
| Total Assets: | $335,215,000 | 1,511 |
| Cash and due from depository institutions | $5,727,000 | 1,879 |
| Interest-bearing balances | $29,000 | 6,059 |
| Securities | $15,587,000 | 5,266 |
| Federal funds sold & reverse repurchase agreements | $5,093,000 | 2,731 |
| Net loans & leases | $290,746,000 | 1,142 |
| Loan loss allowance | $2,396,000 | 1,690 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $7,513,000 | 1,152 |
| Other real estate owned | $1,699,000 | 1,879 |
| Goodwill and other intangibles | $732,000 | 1,645 |
| All other assets | $8,118,000 | 1,466 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $335,215,000 | 1,511 |
| Total liabilities | $305,355,000 | 1,497 |
| Total deposits | $237,108,000 | 1,721 |
| Interest-bearing deposits | $216,846,000 | 1,617 |
| Deposits held in domestic offices | $237,108,000 | 1,718 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,416 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $65,763,000 | 642 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $2,484,000 | 1,699 |
| Total equity capital | $29,860,000 | 1,641 |
| Total bank equity capital | $29,860,000 | 1,641 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $1,000 | 8,561 |
| Surplus | $14,423,000 | 1,267 |
| Undivided profits | $15,436,000 | 1,850 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,758,000 | 544 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $3,082,000 | 997 |
| Earning assets | $311,455,000 | 1,484 |
| Long-term assets (5+ years) | $82,874,000 | 1,131 |
| Average Assets, year-to-date | $330,054,600 | 1,458 |
| Average Assets, quarterly | $332,868,500 | 1,502 |
| Volatile liabilities | $35,688,000 | 2,332 |
| Insider loans | $5,803,000 | 823 |
| FHLB advances | $65,393,000 | 562 |
| Loans and leases held for sale | $7,123,000 | 488 |
| Unused loan commitments | $20,896,000 | 2,419 |
| Tier 1 (core) risk-based capital | $29,284,000 | 1,569 |
| Tier 2 risk-based capital | $2,396,000 | 1,571 |
| Total risk weighted assets | $245,138,000 | 1,402 |
| Total unused commitments | $20,896,000 | 2,425 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 91 | 1,835 |
| Assets and Liabilities | ||
| Total Assets: | $325,330,000 | 1,473 |
| Cash and due from depository institutions | $10,468,000 | 1,835 |
| Interest-bearing balances | $4,689,000 | 915 |
| Securities | $19,220,000 | 4,766 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,010 |
| Net loans & leases | $281,667,000 | 1,138 |
| Loan loss allowance | $1,801,000 | 2,086 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $8,124,000 | 1,019 |
| Other real estate owned | $1,306,000 | 1,835 |
| Goodwill and other intangibles | $703,000 | 1,646 |
| All other assets | $3,842,000 | 2,302 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $325,330,000 | 1,473 |
| Total liabilities | $296,746,000 | 1,460 |
| Total deposits | $228,796,000 | 1,682 |
| Interest-bearing deposits | $211,251,000 | 1,571 |
| Deposits held in domestic offices | $228,796,000 | 1,677 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,755 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $63,347,000 | 637 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $4,603,000 | 1,061 |
| Total equity capital | $28,584,000 | 1,624 |
| Total bank equity capital | $28,584,000 | 1,624 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $1,000 | 8,831 |
| Surplus | $13,621,000 | 1,277 |
| Undivided profits | $14,962,000 | 1,817 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,260,000 | 522 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $3,161,000 | 788 |
| Earning assets | $305,576,000 | 1,444 |
| Long-term assets (5+ years) | $76,688,000 | 1,153 |
| Average Assets, year-to-date | $320,910,400 | 1,428 |
| Average Assets, quarterly | $325,045,500 | 1,464 |
| Volatile liabilities | $55,084,000 | 1,602 |
| Insider loans | $3,532,000 | 1,384 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $1,494,000 | 591 |
| Unused loan commitments | $9,615,000 | 3,845 |
| Tier 1 (core) risk-based capital | $29,124,700 | 1,517 |
| Tier 2 risk-based capital | $1,801,000 | 1,962 |
| Total risk weighted assets | $239,380,100 | 1,363 |
| Total unused commitments | $9,615,000 | 3,848 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 104 | 1,646 |
| Assets and Liabilities | ||
| Total Assets: | $312,078,000 | 1,510 |
| Cash and due from depository institutions | $12,562,000 | 1,646 |
| Interest-bearing balances | $2,356,000 | 1,535 |
| Securities | $18,957,000 | 5,030 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $263,638,000 | 1,175 |
| Loan loss allowance | $1,384,000 | 2,564 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $8,146,000 | 1,004 |
| Other real estate owned | $4,626,000 | 1,646 |
| Goodwill and other intangibles | $637,000 | 1,748 |
| All other assets | $3,512,000 | 2,475 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $312,078,000 | 1,510 |
| Total liabilities | $283,966,000 | 1,494 |
| Total deposits | $220,012,000 | 1,712 |
| Interest-bearing deposits | $203,849,000 | 1,594 |
| Deposits held in domestic offices | $220,012,000 | 1,708 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $58,039,000 | 680 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $5,915,000 | 835 |
| Total equity capital | $28,112,000 | 1,578 |
| Total bank equity capital | $28,112,000 | 1,578 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $1,000 | 9,132 |
| Surplus | $13,161,000 | 1,292 |
| Undivided profits | $14,950,000 | 1,695 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $569,000 | 3,368 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $2,505,000 | 851 |
| Earning assets | $284,951,000 | 1,510 |
| Long-term assets (5+ years) | $72,275,000 | 1,276 |
| Average Assets, year-to-date | $296,369,600 | 1,520 |
| Average Assets, quarterly | $305,858,000 | 1,520 |
| Volatile liabilities | $43,109,000 | 1,872 |
| Insider loans | $1,330,000 | 3,083 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $5,010,000 | 328 |
| Unused loan commitments | $9,260,000 | 3,912 |
| Tier 1 (core) risk-based capital | $30,417,300 | 1,419 |
| Tier 2 risk-based capital | $1,384,000 | 2,340 |
| Total risk weighted assets | $221,357,300 | 1,412 |
| Total unused commitments | $9,260,000 | 3,915 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 103 | 1,651 |
| Assets and Liabilities | ||
| Total Assets: | $280,516,000 | 1,645 |
| Cash and due from depository institutions | $17,559,000 | 1,651 |
| Interest-bearing balances | $11,887,000 | 508 |
| Securities | $17,832,000 | 5,223 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $230,987,000 | 1,222 |
| Loan loss allowance | $1,170,000 | 2,905 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $7,670,000 | 985 |
| Other real estate owned | $924,000 | 1,651 |
| Goodwill and other intangibles | $1,231,000 | 1,304 |
| All other assets | $4,313,000 | 1,761 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $280,516,000 | 1,645 |
| Total liabilities | $252,408,000 | 1,636 |
| Total deposits | $209,036,000 | 1,807 |
| Interest-bearing deposits | $195,623,000 | 1,642 |
| Deposits held in domestic offices | $209,036,000 | 1,801 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $40,698,000 | 684 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $2,674,000 | 1,550 |
| Total equity capital | $28,108,000 | 1,585 |
| Total bank equity capital | $28,108,000 | 1,585 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $1,000 | 9,342 |
| Surplus | $14,017,000 | 1,174 |
| Undivided profits | $14,090,000 | 1,866 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $379,000 | 4,654 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,649,000 | 1,259 |
| Earning assets | $260,706,000 | 1,621 |
| Long-term assets (5+ years) | $0 | 9,173 |
| Average Assets, year-to-date | $275,296,200 | 1,569 |
| Average Assets, quarterly | $278,695,000 | 1,619 |
| Volatile liabilities | $63,376,000 | 1,157 |
| Insider loans | $1,424,000 | 2,765 |
| FHLB advances | $39,410,000 | 206 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $33,773,000 | 1,522 |
| Tier 1 (core) risk-based capital | $28,033,000 | 1,504 |
| Tier 2 risk-based capital | $1,170,000 | 2,640 |
| Total risk weighted assets | $181,185,000 | 1,586 |
| Total unused commitments | $33,773,000 | 1,528 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 100 | 1,764 |
| Assets and Liabilities | ||
| Total Assets: | $271,193,000 | 1,685 |
| Cash and due from depository institutions | $5,432,000 | 1,764 |
| Interest-bearing balances | $821,000 | 2,669 |
| Securities | $19,302,000 | 5,047 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $231,830,000 | 1,260 |
| Loan loss allowance | $823,000 | 3,954 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $7,953,000 | 940 |
| Other real estate owned | $1,046,000 | 1,764 |
| Goodwill and other intangibles | $931,000 | 1,395 |
| All other assets | $4,699,000 | 1,625 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $271,193,000 | 1,685 |
| Total liabilities | $241,253,000 | 1,697 |
| Total deposits | $199,416,000 | 1,904 |
| Interest-bearing deposits | $189,869,000 | 1,703 |
| Deposits held in domestic offices | $199,416,000 | 1,897 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $39,554,000 | 657 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $2,283,000 | 1,823 |
| Total equity capital | $29,940,000 | 1,513 |
| Total bank equity capital | $29,940,000 | 1,513 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,000 | 9,742 |
| Surplus | $13,749,000 | 1,196 |
| Undivided profits | $16,190,000 | 1,618 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $948,000 | 2,565 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,429,000 | 1,536 |
| Earning assets | $251,953,000 | 1,660 |
| Long-term assets (5+ years) | $0 | 9,550 |
| Average Assets, year-to-date | $269,909,800 | 1,606 |
| Average Assets, quarterly | $274,560,500 | 1,636 |
| Volatile liabilities | $55,936,000 | 1,291 |
| Insider loans | $925,000 | 3,764 |
| FHLB advances | $33,944,000 | 231 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $23,151,000 | 1,886 |
| Tier 1 (core) risk-based capital | $29,947,000 | 1,423 |
| Tier 2 risk-based capital | $823,000 | 3,478 |
| Total risk weighted assets | $166,446,000 | 1,682 |
| Total unused commitments | $23,151,000 | 1,892 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 87 | 2,152 |
| Assets and Liabilities | ||
| Total Assets: | $258,271,000 | 1,807 |
| Cash and due from depository institutions | $3,701,000 | 2,152 |
| Interest-bearing balances | $195,000 | 4,092 |
| Securities | $28,365,000 | 4,084 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $214,058,000 | 1,387 |
| Loan loss allowance | $512,000 | 5,812 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $5,764,000 | 1,364 |
| Other real estate owned | $697,000 | 2,152 |
| Goodwill and other intangibles | $217,000 | 2,094 |
| All other assets | $5,469,000 | 1,473 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $258,271,000 | 1,807 |
| Total liabilities | $231,250,000 | 1,828 |
| Total deposits | $203,087,000 | 1,916 |
| Interest-bearing deposits | $194,572,000 | 1,720 |
| Deposits held in domestic offices | $203,087,000 | 1,906 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $25,782,000 | 827 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $2,381,000 | 1,766 |
| Total equity capital | $27,021,000 | 1,675 |
| Total bank equity capital | $27,021,000 | 1,675 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $1,000 | 10,221 |
| Surplus | $13,505,000 | 1,251 |
| Undivided profits | $13,515,000 | 1,912 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $449,000 | 4,582 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $1,251,000 | 1,773 |
| Earning assets | $242,618,000 | 1,759 |
| Long-term assets (5+ years) | $0 | 9,965 |
| Average Assets, year-to-date | $244,694,600 | 1,837 |
| Average Assets, quarterly | $261,090,000 | 1,767 |
| Volatile liabilities | $41,713,000 | 1,586 |
| Insider loans | $991,000 | 3,688 |
| FHLB advances | $16,250,000 | 365 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $13,245,000 | 2,776 |
| Tier 1 (core) risk-based capital | $27,296,000 | 1,576 |
| Tier 2 risk-based capital | $495,000 | 5,311 |
| Total risk weighted assets | $141,258,000 | 1,992 |
| Total unused commitments | $13,245,000 | 2,789 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 91 | 2,125 |
| Assets and Liabilities | ||
| Total Assets: | $228,674,000 | 2,068 |
| Cash and due from depository institutions | $6,573,000 | 2,125 |
| Interest-bearing balances | $3,404,000 | 1,307 |
| Securities | $24,880,000 | 4,721 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $188,322,000 | 1,533 |
| Loan loss allowance | $413,000 | 6,832 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $4,491,000 | 1,714 |
| Other real estate owned | $0 | 2,125 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $4,408,000 | 1,805 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $228,674,000 | 2,068 |
| Total liabilities | $213,156,000 | 1,997 |
| Total deposits | $210,619,000 | 1,846 |
| Interest-bearing deposits | $203,050,000 | 1,669 |
| Deposits held in domestic offices | $210,619,000 | 1,833 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $2,537,000 | 1,744 |
| Total equity capital | $15,518,000 | 2,878 |
| Total bank equity capital | $15,518,000 | 2,878 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $0 | 10,908 |
| Surplus | $0 | 11,041 |
| Undivided profits | $15,518,000 | 1,687 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $763,000 | 3,231 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $1,162,000 | 1,961 |
| Earning assets | $216,606,000 | 1,986 |
| Long-term assets (5+ years) | $0 | 10,367 |
| Average Assets, year-to-date | $228,587,200 | 1,972 |
| Average Assets, quarterly | $228,401,500 | 2,042 |
| Volatile liabilities | $17,615,000 | 2,933 |
| Insider loans | $1,007,000 | 3,716 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $8,229,000 | 3,709 |
| Tier 1 (core) risk-based capital | $15,685,000 | 2,733 |
| Tier 2 risk-based capital | $400,000 | 6,187 |
| Total risk weighted assets | $123,878,000 | 2,220 |
| Total unused commitments | $8,229,000 | 3,722 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 59 | 3,421 |
| Assets and Liabilities | ||
| Total Assets: | $147,214,000 | 3,054 |
| Cash and due from depository institutions | $3,115,000 | 3,421 |
| Interest-bearing balances | $1,086,000 | 2,314 |
| Securities | $28,007,000 | 4,520 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $110,009,000 | 2,456 |
| Loan loss allowance | $221,000 | 9,508 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $2,553,000 | 2,895 |
| Other real estate owned | $0 | 3,421 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $3,530,000 | 2,305 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $147,214,000 | 3,054 |
| Total liabilities | $138,389,000 | 2,975 |
| Total deposits | $134,404,000 | 2,830 |
| Interest-bearing deposits | $129,076,000 | 2,564 |
| Deposits held in domestic offices | $134,404,000 | 2,820 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $3,000,000 | 2,155 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $985,000 | 3,112 |
| Total equity capital | $8,825,000 | 4,544 |
| Total bank equity capital | $8,825,000 | 4,544 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $0 | 11,459 |
| Surplus | $0 | 11,565 |
| Undivided profits | $8,825,000 | 2,633 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $201,000 | 6,741 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $636,000 | 3,236 |
| Earning assets | $139,102,000 | 2,967 |
| Long-term assets (5+ years) | $0 | 10,888 |
| Average Assets, year-to-date | $144,913,800 | 3,032 |
| Average Assets, quarterly | $145,582,000 | 3,071 |
| Volatile liabilities | $15,424,000 | 3,117 |
| Insider loans | $1,059,000 | 3,549 |
| FHLB advances | $3,000,000 | 702 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $5,079,000 | 4,878 |
| Tier 1 (core) risk-based capital | $9,826,000 | 4,197 |
| Tier 2 risk-based capital | $200,000 | 9,153 |
| Total risk weighted assets | $76,187,000 | 3,389 |
| Total unused commitments | $5,079,000 | 4,886 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 62 | 3,382 |
| Assets and Liabilities | ||
| Total Assets: | $145,512,000 | 3,149 |
| Cash and due from depository institutions | $7,181,000 | 3,382 |
| Interest-bearing balances | $5,278,000 | 1,159 |
| Securities | $41,940,000 | 3,315 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $91,597,000 | 2,803 |
| Loan loss allowance | $270,000 | 9,070 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,995,000 | 3,642 |
| Other real estate owned | $184,000 | 3,382 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $2,615,000 | 2,742 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $145,512,000 | 3,149 |
| Total liabilities | $136,301,000 | 3,059 |
| Total deposits | $134,688,000 | 2,905 |
| Interest-bearing deposits | $129,056,000 | 2,662 |
| Deposits held in domestic offices | $134,688,000 | 2,896 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,613,000 | 2,165 |
| Total equity capital | $9,211,000 | 4,407 |
| Total bank equity capital | $9,211,000 | 4,407 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $0 | 11,979 |
| Surplus | $0 | 12,104 |
| Undivided profits | $9,211,000 | 2,580 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $256,000 | 6,833 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $514,000 | 3,594 |
| Earning assets | $138,815,000 | 3,035 |
| Long-term assets (5+ years) | $0 | 11,403 |
| Average Assets, year-to-date | $144,441,600 | 3,087 |
| Average Assets, quarterly | $145,623,500 | 3,115 |
| Volatile liabilities | $13,439,000 | 3,264 |
| Insider loans | $937,000 | 3,907 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $4,929,000 | 4,935 |
| Tier 1 (core) risk-based capital | $9,074,000 | 4,369 |
| Tier 2 risk-based capital | $200,000 | 9,363 |
| Total risk weighted assets | $62,409,000 | 4,037 |
| Total unused commitments | $4,929,000 | 4,957 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 60 | 3,556 |
| Assets and Liabilities | ||
| Total Assets: | $143,871,000 | 3,225 |
| Cash and due from depository institutions | $8,768,000 | 3,556 |
| Interest-bearing balances | $5,591,000 | 1,307 |
| Securities | $29,410,000 | 4,542 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $100,261,000 | 2,677 |
| Loan loss allowance | $317,000 | 8,559 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,054,000 | 3,516 |
| Other real estate owned | $340,000 | 3,556 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $3,038,000 | 2,499 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $143,871,000 | 3,225 |
| Total liabilities | $135,863,000 | 3,129 |
| Total deposits | $134,511,000 | 3,026 |
| Interest-bearing deposits | $128,938,000 | 2,800 |
| Deposits held in domestic offices | $134,511,000 | 3,020 |
| % 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 | $1,352,000 | 2,567 |
| Total equity capital | $8,008,000 | 4,780 |
| Total bank equity capital | $8,008,000 | 4,780 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $0 | 12,588 |
| Undivided profits | $8,008,000 | 2,754 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $792,000 | 4,298 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $597,000 | 3,403 |
| Earning assets | $135,262,000 | 3,151 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $148,725,400 | 3,074 |
| Average Assets, quarterly | $144,756,000 | 3,195 |
| Volatile liabilities | $11,725,000 | 3,659 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $3,251,000 | 5,853 |
| Tier 1 (core) risk-based capital | $7,991,000 | 4,718 |
| Tier 2 risk-based capital | $157,000 | 10,461 |
| Total risk weighted assets | $68,351,000 | 3,793 |
| Total unused commitments | $3,251,000 | 5,880 |
| Derivatives | $0 | 651 |