Home > First Bank of the South > Assets and Liabilities
First Bank of the South, Assets and Liabilities
| 2007-06-30 | Rank | |
| # of Employees: | 73 | 2,407 |
| Assets and Liabilities | ||
| Total Assets: | $817,237,000 | 823 |
| Cash and due from depository institutions | $37,074,000 | 2,407 |
| Interest-bearing balances | $63,000 | 5,187 |
| Securities | $2,881,000 | 7,676 |
| Federal funds sold & reverse repurchase agreements | $53,385,000 | 308 |
| Net loans & leases | $537,352,000 | 868 |
| Loan loss allowance | $7,092,000 | 755 |
| Trading account assets | $0 | 245 |
| Bank premises and fixed assets | $16,674,000 | 688 |
| Other real estate owned | $1,885,000 | 2,407 |
| Goodwill and other intangibles | $160,881,000 | 132 |
| All other assets | $7,105,000 | 2,366 |
| Life insurance assets | $0 | 4,058 |
| Total liabilities and capital | $817,237,000 | 823 |
| Total liabilities | $602,792,000 | 1,001 |
| Total deposits | $580,958,000 | 899 |
| Interest-bearing deposits | $478,938,000 | 935 |
| Deposits held in domestic offices | $580,958,000 | 897 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,401 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $10,044,000 | 2,478 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $11,790,000 | 586 |
| Total equity capital | $214,445,000 | 370 |
| Total bank equity capital | $214,445,000 | 370 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $5,300,000 | 892 |
| Surplus | $208,128,000 | 235 |
| Undivided profits | $1,017,000 | 6,929 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $79,000 | 6,378 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,127 |
| Income earned, not collected on loans | $2,759,000 | 1,469 |
| Earning assets | $593,681,000 | 1,029 |
| Long-term assets (5+ years) | $18,451,000 | 3,635 |
| Average Assets, year-to-date | $726,111,330 | 904 |
| Average Assets, quarterly | $751,709,000 | 890 |
| Volatile liabilities | $110,362,000 | 1,267 |
| Insider loans | $25,981,000 | 213 |
| FHLB advances | $10,000,000 | 2,360 |
| Loans and leases held for sale | $0 | 1,802 |
| Unused loan commitments | $48,029,000 | 1,882 |
| Tier 1 (core) risk-based capital | $56,212,000 | 1,124 |
| Tier 2 risk-based capital | $7,092,000 | 780 |
| Total risk weighted assets | $606,689,000 | 814 |
| Total unused commitments | $48,029,000 | 1,883 |
| Derivatives | $0 | 1,067 |
| 2007-03-31 | Rank | |
| # of Employees: | 75 | 2,327 |
| Assets and Liabilities | ||
| Total Assets: | $686,181,000 | 966 |
| Cash and due from depository institutions | $22,121,000 | 2,327 |
| Interest-bearing balances | $0 | 6,642 |
| Securities | $47,468,000 | 2,407 |
| Federal funds sold & reverse repurchase agreements | $68,040,000 | 283 |
| Net loans & leases | $521,288,000 | 872 |
| Loan loss allowance | $7,078,000 | 741 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $7,287,000 | 1,686 |
| Other real estate owned | $1,375,000 | 2,327 |
| Goodwill and other intangibles | $11,568,000 | 597 |
| All other assets | $7,034,000 | 2,312 |
| Life insurance assets | $0 | 4,074 |
| Total liabilities and capital | $686,180,000 | 966 |
| Total liabilities | $614,811,000 | 968 |
| Total deposits | $599,176,000 | 858 |
| Interest-bearing deposits | $560,114,000 | 793 |
| Deposits held in domestic offices | $599,176,000 | 855 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,056 |
| Trading liabilities | $0 | 89 |
| Other borrowed funds | $10,000,000 | 2,406 |
| Subordinated debt | $0 | 262 |
| All other liabilities | $5,635,000 | 1,054 |
| Total equity capital | $71,369,000 | 930 |
| Total bank equity capital | $71,369,000 | 930 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $5,300,000 | 878 |
| Surplus | $54,957,000 | 588 |
| Undivided profits | $11,112,000 | 2,938 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $279,000 | 4,962 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,132 |
| Income earned, not collected on loans | $3,057,000 | 1,271 |
| Earning assets | $636,796,000 | 954 |
| Long-term assets (5+ years) | $34,477,000 | 2,464 |
| Average Assets, year-to-date | $680,548,500 | 961 |
| Average Assets, quarterly | $680,548,500 | 961 |
| Volatile liabilities | $117,583,000 | 1,166 |
| Insider loans | $18,648,000 | 318 |
| FHLB advances | $10,000,000 | 2,286 |
| Loans and leases held for sale | $0 | 1,800 |
| Unused loan commitments | $139,216,000 | 808 |
| Tier 1 (core) risk-based capital | $59,844,000 | 1,037 |
| Tier 2 risk-based capital | $7,078,000 | 771 |
| Total risk weighted assets | $592,313,000 | 813 |
| Total unused commitments | $139,216,000 | 808 |
| Derivatives | $0 | 1,065 |
| 2006-12-31 | Rank | |
| # of Employees: | 75 | 2,340 |
| Assets and Liabilities | ||
| Total Assets: | $674,916,000 | 965 |
| Cash and due from depository institutions | $23,164,000 | 2,340 |
| Interest-bearing balances | $0 | 6,658 |
| Securities | $48,175,000 | 2,416 |
| Federal funds sold & reverse repurchase agreements | $47,855,000 | 314 |
| Net loans & leases | $528,900,000 | 841 |
| Loan loss allowance | $7,226,000 | 711 |
| Trading account assets | $0 | 156 |
| Bank premises and fixed assets | $7,754,000 | 1,557 |
| Other real estate owned | $95,000 | 2,340 |
| Goodwill and other intangibles | $11,613,000 | 583 |
| All other assets | $7,360,000 | 2,239 |
| Life insurance assets | $0 | 4,082 |
| Total liabilities and capital | $674,916,000 | 965 |
| Total liabilities | $598,171,000 | 987 |
| Total deposits | $585,217,000 | 865 |
| Interest-bearing deposits | $547,331,000 | 790 |
| Deposits held in domestic offices | $585,217,000 | 861 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,314 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $10,000,000 | 2,503 |
| Subordinated debt | $0 | 264 |
| All other liabilities | $2,954,000 | 1,758 |
| Total equity capital | $76,745,000 | 850 |
| Total bank equity capital | $76,745,000 | 850 |
| Perpetual preferred stock | $0 | 112 |
| Common stock | $5,300,000 | 869 |
| Surplus | $54,957,000 | 573 |
| Undivided profits | $16,488,000 | 2,071 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 7,413 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,087 |
| Income earned, not collected on loans | $3,403,000 | 1,165 |
| Earning assets | $624,930,000 | 955 |
| Long-term assets (5+ years) | $31,615,000 | 2,572 |
| Average Assets, year-to-date | $604,037,000 | 1,028 |
| Average Assets, quarterly | $649,728,500 | 992 |
| Volatile liabilities | $110,790,000 | 1,351 |
| Insider loans | $24,515,000 | 229 |
| FHLB advances | $10,000,000 | 2,386 |
| Loans and leases held for sale | $0 | 1,760 |
| Unused loan commitments | $157,650,000 | 717 |
| Tier 1 (core) risk-based capital | $65,196,000 | 932 |
| Tier 2 risk-based capital | $7,226,000 | 744 |
| Total risk weighted assets | $598,576,000 | 786 |
| Total unused commitments | $157,650,000 | 717 |
| Derivatives | $0 | 1,023 |
| 2006-09-30 | Rank | |
| # of Employees: | 77 | 2,302 |
| Assets and Liabilities | ||
| Total Assets: | $624,541,000 | 1,043 |
| Cash and due from depository institutions | $22,055,000 | 2,302 |
| Interest-bearing balances | $0 | 6,705 |
| Securities | $43,333,000 | 2,645 |
| Federal funds sold & reverse repurchase agreements | $17,900,000 | 775 |
| Net loans & leases | $515,357,000 | 861 |
| Loan loss allowance | $7,336,000 | 714 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $7,847,000 | 1,508 |
| Other real estate owned | $95,000 | 2,302 |
| Goodwill and other intangibles | $10,962,000 | 602 |
| All other assets | $6,992,000 | 2,327 |
| Life insurance assets | $0 | 4,052 |
| Total liabilities and capital | $624,541,000 | 1,043 |
| Total liabilities | $550,907,000 | 1,050 |
| Total deposits | $536,346,000 | 933 |
| Interest-bearing deposits | $500,366,000 | 857 |
| Deposits held in domestic offices | $536,346,000 | 932 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,596 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $10,000,000 | 2,638 |
| Subordinated debt | $0 | 269 |
| All other liabilities | $4,561,000 | 1,214 |
| Total equity capital | $73,634,000 | 889 |
| Total bank equity capital | $73,634,000 | 889 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $5,300,000 | 853 |
| Surplus | $54,925,000 | 571 |
| Undivided profits | $13,409,000 | 2,474 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $216,000 | 5,274 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,131 |
| Income earned, not collected on loans | $3,080,000 | 1,275 |
| Earning assets | $576,590,000 | 1,036 |
| Long-term assets (5+ years) | $17,981,000 | 3,549 |
| Average Assets, year-to-date | $586,317,250 | 1,063 |
| Average Assets, quarterly | $624,809,500 | 1,030 |
| Volatile liabilities | $106,379,000 | 1,402 |
| Insider loans | $27,755,000 | 207 |
| FHLB advances | $10,000,000 | 2,507 |
| Loans and leases held for sale | $0 | 1,773 |
| Unused loan commitments | $160,806,000 | 740 |
| Tier 1 (core) risk-based capital | $62,854,000 | 968 |
| Tier 2 risk-based capital | $7,245,000 | 742 |
| Total risk weighted assets | $579,530,000 | 811 |
| Total unused commitments | $160,806,000 | 740 |
| Derivatives | $0 | 1,023 |
| 2006-06-30 | Rank | |
| # of Employees: | 77 | 2,304 |
| Assets and Liabilities | ||
| Total Assets: | $625,078,000 | 1,024 |
| Cash and due from depository institutions | $22,040,000 | 2,304 |
| Interest-bearing balances | $0 | 6,732 |
| Securities | $38,765,000 | 2,897 |
| Federal funds sold & reverse repurchase agreements | $41,635,000 | 304 |
| Net loans & leases | $496,880,000 | 883 |
| Loan loss allowance | $7,204,000 | 713 |
| Trading account assets | $0 | 157 |
| Bank premises and fixed assets | $7,984,000 | 1,460 |
| Other real estate owned | $0 | 2,304 |
| Goodwill and other intangibles | $11,007,000 | 588 |
| All other assets | $6,767,000 | 2,353 |
| Life insurance assets | $0 | 4,035 |
| Total liabilities and capital | $625,078,000 | 1,024 |
| Total liabilities | $554,891,000 | 1,040 |
| Total deposits | $541,164,000 | 910 |
| Interest-bearing deposits | $500,967,000 | 842 |
| Deposits held in domestic offices | $541,164,000 | 909 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,710 |
| Trading liabilities | $0 | 73 |
| Other borrowed funds | $10,000,000 | 2,644 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $3,727,000 | 1,321 |
| Total equity capital | $70,187,000 | 898 |
| Total bank equity capital | $70,187,000 | 898 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $5,300,000 | 830 |
| Surplus | $54,925,000 | 563 |
| Undivided profits | $9,962,000 | 3,004 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 7,512 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,150 |
| Income earned, not collected on loans | $2,656,000 | 1,340 |
| Earning assets | $577,280,000 | 1,011 |
| Long-term assets (5+ years) | $10,859,000 | 4,462 |
| Average Assets, year-to-date | $573,576,000 | 1,087 |
| Average Assets, quarterly | $625,002,500 | 1,017 |
| Volatile liabilities | $106,565,000 | 1,400 |
| Insider loans | $27,304,000 | 197 |
| FHLB advances | $10,000,000 | 2,510 |
| Loans and leases held for sale | $0 | 1,763 |
| Unused loan commitments | $151,242,000 | 758 |
| Tier 1 (core) risk-based capital | $59,688,000 | 995 |
| Tier 2 risk-based capital | $6,950,000 | 756 |
| Total risk weighted assets | $555,233,000 | 834 |
| Total unused commitments | $151,242,000 | 758 |
| Derivatives | $0 | 1,000 |
| 2006-03-31 | Rank | |
| # of Employees: | 77 | 2,279 |
| Assets and Liabilities | ||
| Total Assets: | $624,927,000 | 1,016 |
| Cash and due from depository institutions | $27,045,000 | 2,279 |
| Interest-bearing balances | $0 | 6,770 |
| Securities | $36,659,000 | 3,058 |
| Federal funds sold & reverse repurchase agreements | $36,085,000 | 375 |
| Net loans & leases | $499,660,000 | 859 |
| Loan loss allowance | $7,075,000 | 706 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $8,076,000 | 1,398 |
| Other real estate owned | $0 | 2,279 |
| Goodwill and other intangibles | $11,052,000 | 559 |
| All other assets | $6,350,000 | 2,408 |
| Life insurance assets | $0 | 4,002 |
| Total liabilities and capital | $624,927,000 | 1,016 |
| Total liabilities | $557,563,000 | 1,019 |
| Total deposits | $543,189,000 | 889 |
| Interest-bearing deposits | $500,706,000 | 828 |
| Deposits held in domestic offices | $543,189,000 | 888 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,368 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $10,000,000 | 2,571 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $4,374,000 | 1,161 |
| Total equity capital | $67,364,000 | 928 |
| Total bank equity capital | $67,364,000 | 928 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $5,300,000 | 817 |
| Surplus | $54,925,000 | 544 |
| Undivided profits | $7,139,000 | 3,783 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 7,539 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,164 |
| Income earned, not collected on loans | $2,597,000 | 1,294 |
| Earning assets | $572,404,000 | 1,008 |
| Long-term assets (5+ years) | $14,863,000 | 3,852 |
| Average Assets, year-to-date | $547,825,000 | 1,142 |
| Average Assets, quarterly | $547,825,000 | 1,142 |
| Volatile liabilities | $114,219,000 | 1,234 |
| Insider loans | $23,239,000 | 230 |
| FHLB advances | $10,000,000 | 2,454 |
| Loans and leases held for sale | $0 | 1,721 |
| Unused loan commitments | $157,911,000 | 728 |
| Tier 1 (core) risk-based capital | $56,612,000 | 1,031 |
| Tier 2 risk-based capital | $6,896,000 | 741 |
| Total risk weighted assets | $551,477,000 | 820 |
| Total unused commitments | $157,911,000 | 728 |
| Derivatives | $0 | 990 |
| 2005-12-31 | Rank | |
| # of Employees: | 62 | 2,813 |
| Assets and Liabilities | ||
| Total Assets: | $470,723,000 | 1,332 |
| Cash and due from depository institutions | $18,646,000 | 2,813 |
| Interest-bearing balances | $0 | 6,803 |
| Securities | $30,000,000 | 3,563 |
| Federal funds sold & reverse repurchase agreements | $12,845,000 | 1,049 |
| Net loans & leases | $399,280,000 | 1,051 |
| Loan loss allowance | $5,714,000 | 862 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $5,154,000 | 2,192 |
| Other real estate owned | $0 | 2,813 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $4,798,000 | 2,981 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $470,723,000 | 1,332 |
| Total liabilities | $429,837,000 | 1,315 |
| Total deposits | $424,052,000 | 1,133 |
| Interest-bearing deposits | $390,215,000 | 1,035 |
| Deposits held in domestic offices | $424,052,000 | 1,132 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,512 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $0 | 5,856 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $5,785,000 | 901 |
| Total equity capital | $40,886,000 | 1,494 |
| Total bank equity capital | $40,886,000 | 1,494 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $5,300,000 | 798 |
| Surplus | $31,000,000 | 869 |
| Undivided profits | $4,586,000 | 4,810 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $56,000 | 6,646 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $1,981,000 | 1,772 |
| Earning assets | $442,125,000 | 1,290 |
| Long-term assets (5+ years) | $16,011,000 | 3,693 |
| Average Assets, year-to-date | $438,916,200 | 1,362 |
| Average Assets, quarterly | $467,436,000 | 1,326 |
| Volatile liabilities | $61,279,000 | 2,076 |
| Insider loans | $19,058,000 | 282 |
| FHLB advances | $0 | 5,326 |
| Loans and leases held for sale | $0 | 1,743 |
| Unused loan commitments | $131,210,000 | 822 |
| Tier 1 (core) risk-based capital | $41,016,000 | 1,416 |
| Tier 2 risk-based capital | $5,478,000 | 905 |
| Total risk weighted assets | $439,022,000 | 1,009 |
| Total unused commitments | $131,210,000 | 822 |
| Derivatives | $0 | 930 |
| 2005-09-30 | Rank | |
| # of Employees: | 60 | 2,876 |
| Assets and Liabilities | ||
| Total Assets: | $464,149,000 | 1,318 |
| Cash and due from depository institutions | $18,881,000 | 2,876 |
| Interest-bearing balances | $0 | 6,835 |
| Securities | $25,389,000 | 3,964 |
| Federal funds sold & reverse repurchase agreements | $33,365,000 | 393 |
| Net loans & leases | $376,733,000 | 1,089 |
| Loan loss allowance | $5,574,000 | 873 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $5,237,000 | 2,111 |
| Other real estate owned | $0 | 2,876 |
| Goodwill and other intangibles | $0 | 3,310 |
| All other assets | $4,544,000 | 3,036 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $464,149,000 | 1,318 |
| Total liabilities | $421,491,000 | 1,312 |
| Total deposits | $408,597,000 | 1,152 |
| Interest-bearing deposits | $378,673,000 | 1,047 |
| Deposits held in domestic offices | $408,597,000 | 1,148 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,623 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $10,000,000 | 2,673 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $2,894,000 | 1,551 |
| Total equity capital | $42,658,000 | 1,398 |
| Total bank equity capital | $42,658,000 | 1,398 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $5,300,000 | 770 |
| Surplus | $28,000,000 | 928 |
| Undivided profits | $9,358,000 | 3,212 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $10,000 | 7,462 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $1,684,000 | 2,029 |
| Earning assets | $435,487,000 | 1,286 |
| Long-term assets (5+ years) | $16,593,000 | 3,677 |
| Average Assets, year-to-date | $430,964,500 | 1,376 |
| Average Assets, quarterly | $453,305,000 | 1,333 |
| Volatile liabilities | $63,178,000 | 1,969 |
| Insider loans | $22,155,000 | 222 |
| FHLB advances | $10,000,000 | 2,512 |
| Loans and leases held for sale | $0 | 1,843 |
| Unused loan commitments | $125,376,000 | 834 |
| Tier 1 (core) risk-based capital | $42,825,000 | 1,317 |
| Tier 2 risk-based capital | $5,307,000 | 901 |
| Total risk weighted assets | $424,300,000 | 1,015 |
| Total unused commitments | $125,376,000 | 835 |
| Derivatives | $0 | 909 |
| 2005-06-30 | Rank | |
| # of Employees: | 58 | 2,951 |
| Assets and Liabilities | ||
| Total Assets: | $442,461,000 | 1,359 |
| Cash and due from depository institutions | $20,934,000 | 2,951 |
| Interest-bearing balances | $0 | 6,834 |
| Securities | $25,854,000 | 3,963 |
| Federal funds sold & reverse repurchase agreements | $33,385,000 | 368 |
| Net loans & leases | $352,572,000 | 1,138 |
| Loan loss allowance | $5,424,000 | 887 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $5,359,000 | 2,010 |
| Other real estate owned | $0 | 2,951 |
| Goodwill and other intangibles | $0 | 3,307 |
| All other assets | $4,357,000 | 3,018 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $442,461,000 | 1,359 |
| Total liabilities | $401,836,000 | 1,343 |
| Total deposits | $389,309,000 | 1,188 |
| Interest-bearing deposits | $305,785,000 | 1,313 |
| Deposits held in domestic offices | $389,309,000 | 1,185 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,721 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $10,000,000 | 2,628 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $2,527,000 | 1,625 |
| Total equity capital | $40,625,000 | 1,443 |
| Total bank equity capital | $40,625,000 | 1,443 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $5,300,000 | 752 |
| Surplus | $28,000,000 | 907 |
| Undivided profits | $7,325,000 | 3,724 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 7,745 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $1,534,000 | 2,031 |
| Earning assets | $411,811,000 | 1,325 |
| Long-term assets (5+ years) | $17,453,000 | 3,620 |
| Average Assets, year-to-date | $419,903,000 | 1,402 |
| Average Assets, quarterly | $431,663,000 | 1,373 |
| Volatile liabilities | $61,377,000 | 1,939 |
| Insider loans | $16,611,000 | 289 |
| FHLB advances | $10,000,000 | 2,493 |
| Loans and leases held for sale | $0 | 1,818 |
| Unused loan commitments | $118,205,000 | 839 |
| Tier 1 (core) risk-based capital | $40,734,000 | 1,347 |
| Tier 2 risk-based capital | $5,007,000 | 932 |
| Total risk weighted assets | $400,076,000 | 1,059 |
| Total unused commitments | $118,205,000 | 840 |
| Derivatives | $0 | 866 |
| 2005-03-31 | Rank | |
| # of Employees: | 59 | 2,870 |
| Assets and Liabilities | ||
| Total Assets: | $420,865,000 | 1,408 |
| Cash and due from depository institutions | $15,780,000 | 2,870 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $26,136,000 | 3,979 |
| Federal funds sold & reverse repurchase agreements | $17,700,000 | 687 |
| Net loans & leases | $351,275,000 | 1,113 |
| Loan loss allowance | $5,213,000 | 911 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $5,653,000 | 1,875 |
| Other real estate owned | $0 | 2,870 |
| Goodwill and other intangibles | $0 | 3,297 |
| All other assets | $4,321,000 | 3,009 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $420,865,000 | 1,408 |
| Total liabilities | $382,304,000 | 1,405 |
| Total deposits | $369,889,000 | 1,243 |
| Interest-bearing deposits | $288,614,000 | 1,374 |
| Deposits held in domestic offices | $369,889,000 | 1,240 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,328 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $10,000,000 | 2,562 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $2,415,000 | 1,663 |
| Total equity capital | $38,561,000 | 1,476 |
| Total bank equity capital | $38,561,000 | 1,476 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $5,300,000 | 735 |
| Surplus | $28,000,000 | 884 |
| Undivided profits | $5,261,000 | 4,416 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,000 | 7,657 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $1,511,000 | 2,009 |
| Earning assets | $395,111,000 | 1,375 |
| Long-term assets (5+ years) | $16,476,000 | 3,799 |
| Average Assets, year-to-date | $408,624,000 | 1,450 |
| Average Assets, quarterly | $408,624,000 | 1,450 |
| Volatile liabilities | $58,106,000 | 1,935 |
| Insider loans | $16,218,000 | 298 |
| FHLB advances | $10,000,000 | 2,434 |
| Loans and leases held for sale | $0 | 1,762 |
| Unused loan commitments | $112,243,000 | 871 |
| Tier 1 (core) risk-based capital | $38,750,000 | 1,394 |
| Tier 2 risk-based capital | $4,902,000 | 937 |
| Total risk weighted assets | $391,822,000 | 1,050 |
| Total unused commitments | $112,243,000 | 871 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 59 | 2,877 |
| Assets and Liabilities | ||
| Total Assets: | $396,383,000 | 1,504 |
| Cash and due from depository institutions | $20,329,000 | 2,877 |
| Interest-bearing balances | $0 | 6,872 |
| Securities | $26,474,000 | 3,948 |
| Federal funds sold & reverse repurchase agreements | $5,500,000 | 2,029 |
| Net loans & leases | $334,189,000 | 1,175 |
| Loan loss allowance | $4,933,000 | 956 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $5,752,000 | 1,825 |
| Other real estate owned | $0 | 2,877 |
| Goodwill and other intangibles | $0 | 3,293 |
| All other assets | $4,139,000 | 3,052 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $396,383,000 | 1,504 |
| Total liabilities | $357,216,000 | 1,498 |
| Total deposits | $346,258,000 | 1,321 |
| Interest-bearing deposits | $268,906,000 | 1,482 |
| Deposits held in domestic offices | $346,258,000 | 1,317 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,470 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $10,000,000 | 2,576 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $958,000 | 3,195 |
| Total equity capital | $39,167,000 | 1,458 |
| Total bank equity capital | $39,167,000 | 1,458 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $5,300,000 | 721 |
| Surplus | $28,000,000 | 874 |
| Undivided profits | $5,867,000 | 4,246 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $6,000 | 7,678 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $1,390,000 | 2,167 |
| Earning assets | $366,163,000 | 1,488 |
| Long-term assets (5+ years) | $15,997,000 | 3,923 |
| Average Assets, year-to-date | $365,523,800 | 1,559 |
| Average Assets, quarterly | $388,498,500 | 1,518 |
| Volatile liabilities | $50,084,000 | 2,118 |
| Insider loans | $14,422,000 | 358 |
| FHLB advances | $10,000,000 | 2,428 |
| Loans and leases held for sale | $0 | 1,753 |
| Unused loan commitments | $100,266,000 | 931 |
| Tier 1 (core) risk-based capital | $39,171,000 | 1,369 |
| Tier 2 risk-based capital | $4,637,000 | 994 |
| Total risk weighted assets | $370,627,000 | 1,107 |
| Total unused commitments | $100,266,000 | 931 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 59 | 2,880 |
| Assets and Liabilities | ||
| Total Assets: | $380,614,000 | 1,546 |
| Cash and due from depository institutions | $19,985,000 | 2,880 |
| Interest-bearing balances | $0 | 6,935 |
| Securities | $27,314,000 | 3,873 |
| Federal funds sold & reverse repurchase agreements | $6,000,000 | 1,810 |
| Net loans & leases | $318,621,000 | 1,205 |
| Loan loss allowance | $4,498,000 | 1,056 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $5,828,000 | 1,744 |
| Other real estate owned | $0 | 2,880 |
| Goodwill and other intangibles | $0 | 3,268 |
| All other assets | $2,866,000 | 3,909 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $380,614,000 | 1,546 |
| Total liabilities | $342,855,000 | 1,538 |
| Total deposits | $341,138,000 | 1,320 |
| Interest-bearing deposits | $262,877,000 | 1,496 |
| Deposits held in domestic offices | $341,138,000 | 1,316 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,678 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $0 | 5,863 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $1,717,000 | 2,157 |
| Total equity capital | $37,759,000 | 1,494 |
| Total bank equity capital | $37,759,000 | 1,494 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $5,300,000 | 704 |
| Surplus | $24,000,000 | 958 |
| Undivided profits | $8,459,000 | 3,414 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $7,000 | 7,775 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $1,189,000 | 2,627 |
| Earning assets | $351,935,000 | 1,534 |
| Long-term assets (5+ years) | $13,505,000 | 4,352 |
| Average Assets, year-to-date | $357,809,000 | 1,584 |
| Average Assets, quarterly | $367,339,000 | 1,582 |
| Volatile liabilities | $40,242,000 | 2,478 |
| Insider loans | $14,242,000 | 352 |
| FHLB advances | $0 | 5,299 |
| Loans and leases held for sale | $0 | 1,808 |
| Unused loan commitments | $110,218,000 | 859 |
| Tier 1 (core) risk-based capital | $37,635,000 | 1,399 |
| Tier 2 risk-based capital | $4,476,000 | 1,014 |
| Total risk weighted assets | $358,077,000 | 1,124 |
| Total unused commitments | $110,218,000 | 861 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 59 | 2,909 |
| Assets and Liabilities | ||
| Total Assets: | $354,064,000 | 1,635 |
| Cash and due from depository institutions | $22,653,000 | 2,909 |
| Interest-bearing balances | $0 | 6,951 |
| Securities | $27,765,000 | 3,887 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,884 |
| Net loans & leases | $294,969,000 | 1,270 |
| Loan loss allowance | $4,278,000 | 1,083 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $5,932,000 | 1,695 |
| Other real estate owned | $0 | 2,909 |
| Goodwill and other intangibles | $0 | 3,275 |
| All other assets | $2,745,000 | 3,987 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $354,064,000 | 1,635 |
| Total liabilities | $318,090,000 | 1,640 |
| Total deposits | $316,642,000 | 1,420 |
| Interest-bearing deposits | $239,893,000 | 1,613 |
| Deposits held in domestic offices | $316,642,000 | 1,415 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $330,000 | 3,413 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,862 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $1,118,000 | 2,721 |
| Total equity capital | $35,974,000 | 1,512 |
| Total bank equity capital | $35,974,000 | 1,512 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $5,300,000 | 687 |
| Surplus | $24,000,000 | 937 |
| Undivided profits | $6,674,000 | 3,835 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $10,000 | 7,739 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $1,122,000 | 2,628 |
| Earning assets | $322,734,000 | 1,636 |
| Long-term assets (5+ years) | $15,242,000 | 4,208 |
| Average Assets, year-to-date | $350,207,330 | 1,613 |
| Average Assets, quarterly | $357,427,000 | 1,610 |
| Volatile liabilities | $33,366,000 | 2,802 |
| Insider loans | $13,826,000 | 359 |
| FHLB advances | $0 | 5,298 |
| Loans and leases held for sale | $0 | 1,820 |
| Unused loan commitments | $101,619,000 | 883 |
| Tier 1 (core) risk-based capital | $36,097,000 | 1,435 |
| Tier 2 risk-based capital | $4,182,000 | 1,060 |
| Total risk weighted assets | $334,448,000 | 1,175 |
| Total unused commitments | $101,619,000 | 885 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 62 | 2,755 |
| Assets and Liabilities | ||
| Total Assets: | $360,790,000 | 1,587 |
| Cash and due from depository institutions | $15,005,000 | 2,755 |
| Interest-bearing balances | $0 | 6,987 |
| Securities | $36,518,000 | 3,149 |
| Federal funds sold & reverse repurchase agreements | $36,065,000 | 372 |
| Net loans & leases | $264,861,000 | 1,388 |
| Loan loss allowance | $3,984,000 | 1,155 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $6,021,000 | 1,642 |
| Other real estate owned | $0 | 2,755 |
| Goodwill and other intangibles | $0 | 3,256 |
| All other assets | $2,320,000 | 4,276 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $360,790,000 | 1,587 |
| Total liabilities | $325,610,000 | 1,582 |
| Total deposits | $324,217,000 | 1,367 |
| Interest-bearing deposits | $248,395,000 | 1,560 |
| Deposits held in domestic offices | $324,217,000 | 1,365 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,174 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $0 | 5,747 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $1,393,000 | 2,554 |
| Total equity capital | $35,180,000 | 1,583 |
| Total bank equity capital | $35,180,000 | 1,583 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $5,300,000 | 682 |
| Surplus | $24,000,000 | 923 |
| Undivided profits | $5,880,000 | 4,283 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $74,000 | 6,961 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $1,084,000 | 2,665 |
| Earning assets | $337,444,000 | 1,551 |
| Long-term assets (5+ years) | $16,373,000 | 4,009 |
| Average Assets, year-to-date | $348,279,000 | 1,623 |
| Average Assets, quarterly | $348,279,000 | 1,623 |
| Volatile liabilities | $29,189,000 | 2,988 |
| Insider loans | $9,077,000 | 574 |
| FHLB advances | $0 | 5,150 |
| Loans and leases held for sale | $0 | 1,884 |
| Unused loan commitments | $94,306,000 | 907 |
| Tier 1 (core) risk-based capital | $34,840,000 | 1,474 |
| Tier 2 risk-based capital | $3,854,000 | 1,136 |
| Total risk weighted assets | $308,257,000 | 1,240 |
| Total unused commitments | $94,306,000 | 908 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 58 | 2,961 |
| Assets and Liabilities | ||
| Total Assets: | $335,768,000 | 1,688 |
| Cash and due from depository institutions | $20,715,000 | 2,961 |
| Interest-bearing balances | $0 | 6,994 |
| Securities | $35,357,000 | 3,293 |
| Federal funds sold & reverse repurchase agreements | $23,310,000 | 476 |
| Net loans & leases | $248,006,000 | 1,463 |
| Loan loss allowance | $3,647,000 | 1,267 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $6,006,000 | 1,628 |
| Other real estate owned | $0 | 2,961 |
| Goodwill and other intangibles | $0 | 3,237 |
| All other assets | $2,374,000 | 4,248 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $335,768,000 | 1,688 |
| Total liabilities | $299,492,000 | 1,711 |
| Total deposits | $298,814,000 | 1,497 |
| Interest-bearing deposits | $230,784,000 | 1,666 |
| Deposits held in domestic offices | $298,814,000 | 1,495 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,433 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $0 | 5,772 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $678,000 | 3,975 |
| Total equity capital | $36,276,000 | 1,493 |
| Total bank equity capital | $36,276,000 | 1,493 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $5,300,000 | 686 |
| Surplus | $21,936,000 | 980 |
| Undivided profits | $9,040,000 | 3,207 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $26,000 | 7,623 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $1,081,000 | 2,783 |
| Earning assets | $306,673,000 | 1,687 |
| Long-term assets (5+ years) | $22,404,000 | 3,348 |
| Average Assets, year-to-date | $299,389,600 | 1,817 |
| Average Assets, quarterly | $321,892,500 | 1,742 |
| Volatile liabilities | $24,512,000 | 3,408 |
| Insider loans | $10,147,000 | 490 |
| FHLB advances | $0 | 5,171 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $75,939,000 | 1,058 |
| Tier 1 (core) risk-based capital | $36,098,000 | 1,416 |
| Tier 2 risk-based capital | $3,578,000 | 1,240 |
| Total risk weighted assets | $286,174,000 | 1,346 |
| Total unused commitments | $75,939,000 | 1,059 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 53 | 3,219 |
| Assets and Liabilities | ||
| Total Assets: | $308,017,000 | 1,834 |
| Cash and due from depository institutions | $24,997,000 | 3,219 |
| Interest-bearing balances | $0 | 7,032 |
| Securities | $36,255,000 | 3,161 |
| Federal funds sold & reverse repurchase agreements | $12,205,000 | 1,181 |
| Net loans & leases | $226,756,000 | 1,585 |
| Loan loss allowance | $3,351,000 | 1,390 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $5,453,000 | 1,806 |
| Other real estate owned | $0 | 3,219 |
| Goodwill and other intangibles | $0 | 3,226 |
| All other assets | $2,351,000 | 4,263 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $308,017,000 | 1,834 |
| Total liabilities | $272,674,000 | 1,868 |
| Total deposits | $271,662,000 | 1,658 |
| Interest-bearing deposits | $211,502,000 | 1,839 |
| Deposits held in domestic offices | $271,662,000 | 1,656 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,347 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $0 | 5,773 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $1,012,000 | 3,187 |
| Total equity capital | $35,343,000 | 1,549 |
| Total bank equity capital | $35,343,000 | 1,549 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $5,300,000 | 679 |
| Surplus | $21,936,000 | 980 |
| Undivided profits | $8,107,000 | 3,472 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $82,000 | 7,070 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $1,011,000 | 3,106 |
| Earning assets | $275,216,000 | 1,875 |
| Long-term assets (5+ years) | $27,673,000 | 2,956 |
| Average Assets, year-to-date | $290,295,000 | 1,895 |
| Average Assets, quarterly | $302,470,000 | 1,858 |
| Volatile liabilities | $22,187,000 | 3,620 |
| Insider loans | $11,096,000 | 427 |
| FHLB advances | $0 | 5,135 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $71,582,000 | 1,133 |
| Tier 1 (core) risk-based capital | $35,172,000 | 1,466 |
| Tier 2 risk-based capital | $3,221,000 | 1,366 |
| Total risk weighted assets | $257,548,000 | 1,495 |
| Total unused commitments | $71,582,000 | 1,137 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 52 | 3,272 |
| Assets and Liabilities | ||
| Total Assets: | $296,923,000 | 1,890 |
| Cash and due from depository institutions | $18,728,000 | 3,272 |
| Interest-bearing balances | $0 | 7,050 |
| Securities | $29,641,000 | 3,582 |
| Federal funds sold & reverse repurchase agreements | $27,900,000 | 568 |
| Net loans & leases | $213,250,000 | 1,653 |
| Loan loss allowance | $3,284,000 | 1,393 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $5,231,000 | 1,844 |
| Other real estate owned | $40,000 | 3,272 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $2,133,000 | 4,412 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $296,923,000 | 1,890 |
| Total liabilities | $262,497,000 | 1,914 |
| Total deposits | $261,151,000 | 1,719 |
| Interest-bearing deposits | $209,368,000 | 1,824 |
| Deposits held in domestic offices | $261,151,000 | 1,713 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $154,000 | 3,110 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $0 | 5,772 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $1,192,000 | 2,945 |
| Total equity capital | $34,426,000 | 1,589 |
| Total bank equity capital | $34,426,000 | 1,589 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $5,300,000 | 670 |
| Surplus | $21,936,000 | 959 |
| Undivided profits | $7,190,000 | 3,805 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $68,000 | 7,245 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $1,042,000 | 2,916 |
| Earning assets | $270,791,000 | 1,885 |
| Long-term assets (5+ years) | $14,767,000 | 4,117 |
| Average Assets, year-to-date | $284,387,670 | 1,917 |
| Average Assets, quarterly | $291,247,000 | 1,899 |
| Volatile liabilities | $28,873,000 | 2,909 |
| Insider loans | $12,897,000 | 350 |
| FHLB advances | $0 | 5,105 |
| Loans and leases held for sale | $0 | 2,044 |
| Unused loan commitments | $66,405,000 | 1,147 |
| Tier 1 (core) risk-based capital | $34,091,000 | 1,481 |
| Tier 2 risk-based capital | $3,078,000 | 1,387 |
| Total risk weighted assets | $246,055,000 | 1,533 |
| Total unused commitments | $66,405,000 | 1,158 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 52 | 3,240 |
| Assets and Liabilities | ||
| Total Assets: | $285,571,000 | 1,918 |
| Cash and due from depository institutions | $17,289,000 | 3,240 |
| Interest-bearing balances | $0 | 7,012 |
| Securities | $25,586,000 | 3,950 |
| Federal funds sold & reverse repurchase agreements | $31,550,000 | 512 |
| Net loans & leases | $204,178,000 | 1,691 |
| Loan loss allowance | $3,210,000 | 1,396 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $5,172,000 | 1,824 |
| Other real estate owned | $0 | 3,240 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $1,796,000 | 4,826 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $285,571,000 | 1,918 |
| Total liabilities | $252,810,000 | 1,945 |
| Total deposits | $251,302,000 | 1,759 |
| Interest-bearing deposits | $199,979,000 | 1,902 |
| Deposits held in domestic offices | $251,302,000 | 1,756 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $76,000 | 2,997 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $0 | 5,712 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $1,432,000 | 2,616 |
| Total equity capital | $32,761,000 | 1,632 |
| Total bank equity capital | $32,761,000 | 1,632 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $5,300,000 | 662 |
| Surplus | $21,936,000 | 947 |
| Undivided profits | $5,525,000 | 4,374 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $480,000 | 4,416 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $960,000 | 3,182 |
| Earning assets | $261,314,000 | 1,915 |
| Long-term assets (5+ years) | $18,286,000 | 3,572 |
| Average Assets, year-to-date | $278,120,000 | 1,946 |
| Average Assets, quarterly | $278,120,000 | 1,946 |
| Volatile liabilities | $30,612,000 | 2,763 |
| Insider loans | $11,863,000 | 386 |
| FHLB advances | $0 | 5,057 |
| Loans and leases held for sale | $0 | 1,961 |
| Unused loan commitments | $62,459,000 | 1,177 |
| Tier 1 (core) risk-based capital | $32,667,000 | 1,521 |
| Tier 2 risk-based capital | $2,997,000 | 1,390 |
| Total risk weighted assets | $239,439,000 | 1,544 |
| Total unused commitments | $62,459,000 | 1,186 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 48 | 3,462 |
| Assets and Liabilities | ||
| Total Assets: | $270,669,000 | 1,986 |
| Cash and due from depository institutions | $17,094,000 | 3,462 |
| Interest-bearing balances | $0 | 7,009 |
| Securities | $22,471,000 | 4,318 |
| Federal funds sold & reverse repurchase agreements | $20,852,000 | 662 |
| Net loans & leases | $201,556,000 | 1,705 |
| Loan loss allowance | $2,975,000 | 1,474 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $7,253,000 | 1,243 |
| Other real estate owned | $0 | 3,462 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $1,443,000 | 5,447 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $270,669,000 | 1,986 |
| Total liabilities | $245,036,000 | 1,964 |
| Total deposits | $243,998,000 | 1,767 |
| Interest-bearing deposits | $194,716,000 | 1,910 |
| Deposits held in domestic offices | $243,998,000 | 1,764 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $125,000 | 3,108 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $0 | 5,759 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $913,000 | 3,599 |
| Total equity capital | $25,633,000 | 2,058 |
| Total bank equity capital | $25,633,000 | 2,058 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $5,300,000 | 664 |
| Surplus | $14,536,000 | 1,304 |
| Undivided profits | $5,797,000 | 4,264 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $10,000 | 8,076 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $1,055,000 | 3,050 |
| Earning assets | $244,879,000 | 2,009 |
| Long-term assets (5+ years) | $15,317,000 | 3,918 |
| Average Assets, year-to-date | $168,972,200 | 2,956 |
| Average Assets, quarterly | $213,278,000 | 2,496 |
| Volatile liabilities | $33,179,000 | 2,581 |
| Insider loans | $10,747,000 | 415 |
| FHLB advances | $0 | 5,074 |
| Loans and leases held for sale | $0 | 1,889 |
| Unused loan commitments | $55,411,000 | 1,241 |
| Tier 1 (core) risk-based capital | $25,431,000 | 1,916 |
| Tier 2 risk-based capital | $2,899,000 | 1,407 |
| Total risk weighted assets | $231,808,000 | 1,571 |
| Total unused commitments | $55,411,000 | 1,242 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 20 | 6,455 |
| Assets and Liabilities | ||
| Total Assets: | $124,217,000 | 3,838 |
| Cash and due from depository institutions | $8,884,000 | 6,455 |
| Interest-bearing balances | $0 | 7,015 |
| Securities | $3,883,000 | 8,292 |
| Federal funds sold & reverse repurchase agreements | $10,540,000 | 1,388 |
| Net loans & leases | $97,696,000 | 3,194 |
| Loan loss allowance | $1,081,000 | 3,401 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $2,723,000 | 3,226 |
| Other real estate owned | $0 | 6,455 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $491,000 | 8,303 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $124,217,000 | 3,838 |
| Total liabilities | $111,713,000 | 3,854 |
| Total deposits | $111,114,000 | 3,592 |
| Interest-bearing deposits | $87,353,000 | 3,857 |
| Deposits held in domestic offices | $111,114,000 | 3,586 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,416 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,675 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $599,000 | 4,885 |
| Total equity capital | $12,504,000 | 3,761 |
| Total bank equity capital | $12,504,000 | 3,761 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $5,300,000 | 660 |
| Surplus | $5,300,000 | 2,953 |
| Undivided profits | $1,904,000 | 6,639 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,611 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $459,000 | 6,240 |
| Earning assets | $112,119,000 | 3,882 |
| Long-term assets (5+ years) | $2,394,000 | 7,165 |
| Average Assets, year-to-date | $106,078,800 | 4,210 |
| Average Assets, quarterly | $121,468,500 | 3,878 |
| Volatile liabilities | $22,041,000 | 3,401 |
| Insider loans | $4,950,000 | 985 |
| FHLB advances | $0 | 4,938 |
| Loans and leases held for sale | $0 | 1,749 |
| Unused loan commitments | $28,042,000 | 1,972 |
| Tier 1 (core) risk-based capital | $12,433,000 | 3,628 |
| Tier 2 risk-based capital | $1,081,000 | 3,172 |
| Total risk weighted assets | $108,071,000 | 3,032 |
| Total unused commitments | $28,042,000 | 1,979 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 17 | 7,003 |
| Assets and Liabilities | ||
| Total Assets: | $77,843,000 | 5,276 |
| Cash and due from depository institutions | $6,425,000 | 7,003 |
| Interest-bearing balances | $0 | 6,829 |
| Securities | $4,069,000 | 8,673 |
| Federal funds sold & reverse repurchase agreements | $6,805,000 | 1,778 |
| Net loans & leases | $57,413,000 | 4,741 |
| Loan loss allowance | $570,000 | 5,284 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $2,663,000 | 3,235 |
| Other real estate owned | $0 | 7,003 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $468,000 | 8,290 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $77,843,000 | 5,276 |
| Total liabilities | $67,369,000 | 5,419 |
| Total deposits | $67,085,000 | 5,132 |
| Interest-bearing deposits | $49,201,000 | 5,707 |
| Deposits held in domestic offices | $67,085,000 | 5,128 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,755 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $0 | 5,732 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $284,000 | 7,442 |
| Total equity capital | $10,474,000 | 4,234 |
| Total bank equity capital | $10,474,000 | 4,234 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $5,300,000 | 661 |
| Surplus | $4,700,000 | 3,203 |
| Undivided profits | $474,000 | 8,365 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,688 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $367,000 | 6,223 |
| Earning assets | $68,287,000 | 5,459 |
| Long-term assets (5+ years) | $1,606,000 | 7,580 |
| Average Assets, year-to-date | $62,396,330 | 5,903 |
| Average Assets, quarterly | $74,570,000 | 5,396 |
| Volatile liabilities | $8,227,000 | 6,175 |
| Insider loans | $2,763,000 | 1,739 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $21,981,000 | 2,187 |
| Tier 1 (core) risk-based capital | $10,431,000 | 4,133 |
| Tier 2 risk-based capital | $570,000 | 4,971 |
| Total risk weighted assets | $65,639,400 | 4,396 |
| Total unused commitments | $21,981,000 | 2,192 |
| Derivatives | $0 | 481 |