Home > First National Bank of Chester County > Assets and Liabilities

First National Bank of Chester County, Assets and Liabilities

2010-09-30		Rank
# of Employees:	617	221
Assets and Liabilities
Total Assets:	$1,134,586,000	594
Cash and due from depository institutions	$56,674,000	221
Interest-bearing balances	$38,488,000	944
Securities	$46,544,000	2,533
Federal funds sold & reverse repurchase agreements	$2,441,000	2,370
Net loans & leases	$969,068,000	449
Loan loss allowance	$22,101,000	399
Trading account assets	$0	210
Bank premises and fixed assets	$20,805,000	528
Other real estate owned	$4,080,000	221
Goodwill and other intangibles	$580,000	1,871
All other assets	$34,394,000	686
Life insurance assets	$1,526,000	2,565
Total liabilities and capital	$1,134,586,000	594
Total liabilities	$1,031,603,000	583
Total deposits	$970,588,000	553
Interest-bearing deposits	$890,415,000	527
Deposits held in domestic offices	$970,588,000	551
% insured	80.08%	6,091
Federal funds purchased & repurchase agreements	$0	2,564
Trading liabilities	$0	103
Other borrowed funds	$44,804,000	814
Subordinated debt	$0	233
All other liabilities	$16,211,000	436
Total equity capital	$102,983,000	679
Total bank equity capital	$101,816,000	683
Perpetual preferred stock	$0	229
Common stock	$5,100,000	929
Surplus	$57,906,000	617
Undivided profits	$38,810,000	874
Noncontrolling interests in consolidated subsidiaries	$1,167,000	80
Memoranda
Noncurrent loans and leases	$35,818,000	517
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,218
Income earned, not collected on loans	$2,867,000	1,057
Earning assets	$1,056,541,000	577
Long-term assets (5+ years)	$322,641,000	419
Average Assets, year-to-date	$1,241,600,500	537
Average Assets, quarterly	$1,150,182,500	579
Volatile liabilities	$216,947,000	632
Insider loans	$25,618,000	184
FHLB advances	$44,804,000	748
Loans and leases held for sale	$155,781,000	53
Unused loan commitments	$105,534,000	714
Tier 1 (core) risk-based capital	$101,596,000	605
Tier 2 risk-based capital	$11,107,000	531
Total risk weighted assets	$873,984,000	521
Total unused commitments	$105,534,000	717
Derivatives	$541,320,000	110
2010-06-30		Rank
# of Employees:	429	318
Assets and Liabilities
Total Assets:	$1,165,779,000	572
Cash and due from depository institutions	$42,944,000	318
Interest-bearing balances	$23,638,000	1,391
Securities	$50,875,000	2,337
Federal funds sold & reverse repurchase agreements	$806,000	3,526
Net loans & leases	$1,012,762,000	432
Loan loss allowance	$21,534,000	414
Trading account assets	$0	210
Bank premises and fixed assets	$21,396,000	519
Other real estate owned	$1,413,000	318
Goodwill and other intangibles	$667,000	1,806
All other assets	$34,916,000	682
Life insurance assets	$1,510,000	2,577
Total liabilities and capital	$1,165,779,000	572
Total liabilities	$1,062,947,000	561
Total deposits	$992,027,000	537
Interest-bearing deposits	$902,875,000	516
Deposits held in domestic offices	$992,027,000	535
% insured	77.84%	6,541
Federal funds purchased & repurchase agreements	$0	2,594
Trading liabilities	$0	104
Other borrowed funds	$54,867,000	720
Subordinated debt	$0	241
All other liabilities	$16,053,000	409
Total equity capital	$102,832,000	668
Total bank equity capital	$101,262,000	675
Perpetual preferred stock	$0	222
Common stock	$5,100,000	943
Surplus	$57,906,000	615
Undivided profits	$38,256,000	869
Noncontrolling interests in consolidated subsidiaries	$1,570,000	74
Memoranda
Noncurrent loans and leases	$37,430,000	498
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,233
Income earned, not collected on loans	$3,034,000	967
Earning assets	$1,088,081,000	554
Long-term assets (5+ years)	$347,614,000	384
Average Assets, year-to-date	$1,277,272,000	523
Average Assets, quarterly	$1,228,328,000	546
Volatile liabilities	$228,808,000	602
Insider loans	$25,785,000	191
FHLB advances	$54,867,000	662
Loans and leases held for sale	$166,818,000	48
Unused loan commitments	$122,720,000	609
Tier 1 (core) risk-based capital	$101,661,000	601
Tier 2 risk-based capital	$11,532,000	515
Total risk weighted assets	$908,951,000	509
Total unused commitments	$122,720,000	610
Derivatives	$490,696,000	100
2010-03-31		Rank
# of Employees:	474	291
Assets and Liabilities
Total Assets:	$1,290,877,000	536
Cash and due from depository institutions	$206,400,000	291
Interest-bearing balances	$189,534,000	224
Securities	$53,332,000	2,274
Federal funds sold & reverse repurchase agreements	$1,062,000	3,565
Net loans & leases	$965,082,000	472
Loan loss allowance	$22,464,000	417
Trading account assets	$0	227
Bank premises and fixed assets	$21,642,000	519
Other real estate owned	$2,917,000	291
Goodwill and other intangibles	$750,000	1,766
All other assets	$39,692,000	618
Life insurance assets	$1,492,000	2,594
Total liabilities and capital	$1,290,877,000	536
Total liabilities	$1,189,868,000	521
Total deposits	$1,074,231,000	505
Interest-bearing deposits	$989,796,000	480
Deposits held in domestic offices	$1,074,231,000	502
% insured	79.86%	6,291
Federal funds purchased & repurchase agreements	$0	2,570
Trading liabilities	$0	108
Other borrowed funds	$101,819,000	436
Subordinated debt	$0	248
All other liabilities	$13,818,000	474
Total equity capital	$101,009,000	668
Total bank equity capital	$99,821,000	675
Perpetual preferred stock	$0	220
Common stock	$5,100,000	961
Surplus	$57,906,000	621
Undivided profits	$36,815,000	892
Noncontrolling interests in consolidated subsidiaries	$1,188,000	82
Memoranda
Noncurrent loans and leases	$28,137,000	679
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,219
Income earned, not collected on loans	$2,945,000	1,033
Earning assets	$1,209,010,000	517
Long-term assets (5+ years)	$274,994,000	484
Average Assets, year-to-date	$1,333,018,500	513
Average Assets, quarterly	$1,333,018,500	513
Volatile liabilities	$300,872,000	490
Insider loans	$25,936,000	203
FHLB advances	$101,819,000	386
Loans and leases held for sale	$103,276,000	56
Unused loan commitments	$141,696,000	559
Tier 1 (core) risk-based capital	$99,970,000	611
Tier 2 risk-based capital	$11,418,000	541
Total risk weighted assets	$898,678,000	529
Total unused commitments	$141,696,000	559
Derivatives	$296,691,000	140
2009-12-31		Rank
# of Employees:	601	233
Assets and Liabilities
Total Assets:	$1,375,160,000	501
Cash and due from depository institutions	$144,960,000	233
Interest-bearing balances	$124,107,000	265
Securities	$71,443,000	1,758
Federal funds sold & reverse repurchase agreements	$1,721,000	3,001
Net loans & leases	$1,081,430,000	437
Loan loss allowance	$23,217,000	417
Trading account assets	$0	224
Bank premises and fixed assets	$22,469,000	500
Other real estate owned	$3,692,000	233
Goodwill and other intangibles	$759,000	1,765
All other assets	$48,686,000	517
Life insurance assets	$1,474,000	2,601
Total liabilities and capital	$1,375,160,000	501
Total liabilities	$1,272,939,000	488
Total deposits	$1,112,712,000	486
Interest-bearing deposits	$1,027,092,000	466
Deposits held in domestic offices	$1,112,712,000	484
% insured	73.31%	7,083
Federal funds purchased & repurchase agreements	$0	2,785
Trading liabilities	$0	104
Other borrowed funds	$144,462,000	348
Subordinated debt	$0	258
All other liabilities	$15,765,000	424
Total equity capital	$102,221,000	642
Total bank equity capital	$100,396,000	657
Perpetual preferred stock	$0	219
Common stock	$5,100,000	973
Surplus	$57,906,000	609
Undivided profits	$37,390,000	855
Noncontrolling interests in consolidated subsidiaries	$1,825,000	74
Memoranda
Noncurrent loans and leases	$28,111,000	669
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$33,000	1,096
Income earned, not collected on loans	$3,589,000	870
Earning assets	$1,278,701,000	485
Long-term assets (5+ years)	$416,474,000	321
Average Assets, year-to-date	$1,352,323,800	503
Average Assets, quarterly	$1,341,083,000	513
Volatile liabilities	$332,257,000	458
Insider loans	$22,496,000	258
FHLB advances	$144,462,000	295
Loans and leases held for sale	$202,757,000	40
Unused loan commitments	$187,008,000	459
Tier 1 (core) risk-based capital	$101,697,000	585
Tier 2 risk-based capital	$12,418,000	515
Total risk weighted assets	$979,162,000	512
Total unused commitments	$187,008,000	459
Derivatives	$332,512,000	133
2009-09-30		Rank
# of Employees:	577	248
Assets and Liabilities
Total Assets:	$1,307,006,000	534
Cash and due from depository institutions	$20,604,000	248
Interest-bearing balances	$1,497,000	4,602
Securities	$77,857,000	1,631
Federal funds sold & reverse repurchase agreements	$2,347,000	2,772
Net loans & leases	$1,124,773,000	441
Loan loss allowance	$23,490,000	404
Trading account assets	$0	238
Bank premises and fixed assets	$23,142,000	487
Other real estate owned	$3,062,000	248
Goodwill and other intangibles	$8,693,000	606
All other assets	$46,528,000	496
Life insurance assets	$1,437,000	2,617
Total liabilities and capital	$1,307,006,000	534
Total liabilities	$1,201,276,000	523
Total deposits	$986,290,000	547
Interest-bearing deposits	$905,724,000	540
Deposits held in domestic offices	$986,290,000	545
% insured	77.78%	6,758
Federal funds purchased & repurchase agreements	$0	2,868
Trading liabilities	$0	103
Other borrowed funds	$198,123,000	301
Subordinated debt	$0	269
All other liabilities	$16,863,000	433
Total equity capital	$105,730,000	645
Total bank equity capital	$103,891,000	659
Perpetual preferred stock	$0	212
Common stock	$5,100,000	988
Surplus	$35,906,000	946
Undivided profits	$62,885,000	515
Noncontrolling interests in consolidated subsidiaries	$1,839,000	75
Memoranda
Noncurrent loans and leases	$15,787,000	1,039
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$38,000	1,067
Income earned, not collected on loans	$3,830,000	849
Earning assets	$1,206,474,000	526
Long-term assets (5+ years)	$432,137,000	308
Average Assets, year-to-date	$1,346,614,750	517
Average Assets, quarterly	$1,377,428,500	513
Volatile liabilities	$319,831,000	509
Insider loans	$26,400,000	206
FHLB advances	$146,423,000	307
Loans and leases held for sale	$190,201,000	39
Unused loan commitments	$231,734,000	421
Tier 1 (core) risk-based capital	$97,262,000	628
Tier 2 risk-based capital	$13,250,000	506
Total risk weighted assets	$1,046,259,000	498
Total unused commitments	$231,734,000	422
Derivatives	$385,013,000	118
2009-06-30		Rank
# of Employees:	585	253
Assets and Liabilities
Total Assets:	$1,447,851,000	498
Cash and due from depository institutions	$20,058,000	253
Interest-bearing balances	$4,935,000	2,795
Securities	$70,010,000	1,770
Federal funds sold & reverse repurchase agreements	$2,301,000	3,083
Net loans & leases	$1,275,851,000	403
Loan loss allowance	$15,528,000	544
Trading account assets	$0	240
Bank premises and fixed assets	$23,613,000	483
Other real estate owned	$1,592,000	253
Goodwill and other intangibles	$8,658,000	627
All other assets	$45,768,000	517
Life insurance assets	$1,424,000	2,640
Total liabilities and capital	$1,447,851,000	498
Total liabilities	$1,338,486,000	488
Total deposits	$1,016,680,000	541
Interest-bearing deposits	$917,440,000	531
Deposits held in domestic offices	$1,016,680,000	536
% insured	62.92%	6,990
Federal funds purchased & repurchase agreements	$791,000	2,433
Trading liabilities	$0	100
Other borrowed funds	$301,582,000	223
Subordinated debt	$0	276
All other liabilities	$19,433,000	400
Total equity capital	$109,365,000	629
Total bank equity capital	$107,562,000	638
Perpetual preferred stock	$0	213
Common stock	$5,100,000	996
Surplus	$35,906,000	956
Undivided profits	$66,556,000	479
Noncontrolling interests in consolidated subsidiaries	$1,803,000	77
Memoranda
Noncurrent loans and leases	$19,797,000	833
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$67,000	970
Income earned, not collected on loans	$3,830,000	849
Earning assets	$1,353,097,000	482
Long-term assets (5+ years)	$565,470,000	242
Average Assets, year-to-date	$1,359,817,670	524
Average Assets, quarterly	$1,391,122,500	521
Volatile liabilities	$425,281,000	385
Insider loans	$25,145,000	228
FHLB advances	$153,582,000	318
Loans and leases held for sale	$342,785,000	37
Unused loan commitments	$225,577,000	452
Tier 1 (core) risk-based capital	$101,583,000	606
Tier 2 risk-based capital	$13,973,000	494
Total risk weighted assets	$1,112,957,000	491
Total unused commitments	$225,577,000	453
Derivatives	$460,423,000	115
2009-03-31		Rank
# of Employees:	606	236
Assets and Liabilities
Total Assets:	$1,334,394,000	538
Cash and due from depository institutions	$52,743,000	236
Interest-bearing balances	$37,722,000	520
Securities	$87,576,000	1,410
Federal funds sold & reverse repurchase agreements	$2,501,000	3,453
Net loans & leases	$1,117,019,000	464
Loan loss allowance	$11,263,000	682
Trading account assets	$0	234
Bank premises and fixed assets	$23,664,000	481
Other real estate owned	$2,142,000	236
Goodwill and other intangibles	$7,943,000	675
All other assets	$40,806,000	557
Life insurance assets	$11,577,000	581
Total liabilities and capital	$1,334,394,000	538
Total liabilities	$1,228,966,000	526
Total deposits	$1,050,608,000	526
Interest-bearing deposits	$953,242,000	510
Deposits held in domestic offices	$1,050,608,000	524
% insured	76.83%	4,652
Federal funds purchased & repurchase agreements	$0	2,904
Trading liabilities	$0	92
Other borrowed funds	$159,998,000	394
Subordinated debt	$0	271
All other liabilities	$18,360,000	422
Total equity capital	$105,428,000	638
Total bank equity capital	$103,898,000	651
Perpetual preferred stock	$0	193
Common stock	$5,100,000	996
Surplus	$34,156,000	1,005
Undivided profits	$64,642,000	511
Noncontrolling interests in consolidated subsidiaries	$1,530,000	78
Memoranda
Noncurrent loans and leases	$20,803,000	718
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$71,000	938
Income earned, not collected on loans	$3,795,000	866
Earning assets	$1,244,818,000	523
Long-term assets (5+ years)	$432,886,000	316
Average Assets, year-to-date	$1,315,801,000	537
Average Assets, quarterly	$1,315,801,000	537
Volatile liabilities	$144,383,000	1,070
Insider loans	$25,293,000	231
FHLB advances	$159,998,000	321
Loans and leases held for sale	$187,411,000	52
Unused loan commitments	$250,810,000	440
Tier 1 (core) risk-based capital	$99,775,000	616
Tier 2 risk-based capital	$11,893,000	556
Total risk weighted assets	$1,040,535,000	521
Total unused commitments	$250,810,000	440
Derivatives	$408,853,000	132
2008-12-31		Rank
# of Employees:	541	282
Assets and Liabilities
Total Assets:	$1,297,208,000	543
Cash and due from depository institutions	$90,266,000	282
Interest-bearing balances	$65,352,000	206
Securities	$101,827,000	1,200
Federal funds sold & reverse repurchase agreements	$4,884,000	1,920
Net loans & leases	$1,020,688,000	501
Loan loss allowance	$10,335,000	715
Trading account assets	$0	236
Bank premises and fixed assets	$22,075,000	525
Other real estate owned	$1,872,000	282
Goodwill and other intangibles	$6,161,000	773
All other assets	$49,435,000	488
Life insurance assets	$11,563,000	583
Total liabilities and capital	$1,297,208,000	543
Total liabilities	$1,196,131,000	534
Total deposits	$1,015,974,000	525
Interest-bearing deposits	$918,112,000	516
Deposits held in domestic offices	$1,015,974,000	522
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$0	3,392
Trading liabilities	$0	88
Other borrowed funds	$165,170,000	412
Subordinated debt	$0	278
All other liabilities	$14,987,000	485
Total equity capital	$101,077,000	662
Total bank equity capital	$101,077,000	662
Perpetual preferred stock	$0	141
Common stock	$5,100,000	989
Surplus	$34,156,000	976
Undivided profits	$61,821,000	527
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$11,385,000	1,011
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$77,000	844
Income earned, not collected on loans	$4,130,000	821
Earning assets	$1,192,751,000	535
Long-term assets (5+ years)	$341,694,000	397
Average Assets, year-to-date	$1,036,593,600	637
Average Assets, quarterly	$1,148,001,000	597
Volatile liabilities	$196,095,000	800
Insider loans	$24,892,000	238
FHLB advances	$165,170,000	343
Loans and leases held for sale	$90,940,000	59
Unused loan commitments	$237,630,000	472
Tier 1 (core) risk-based capital	$98,493,000	613
Tier 2 risk-based capital	$10,803,000	592
Total risk weighted assets	$1,056,284,000	511
Total unused commitments	$237,630,000	472
Derivatives	$216,471,000	153
2008-09-30		Rank
# of Employees:	262	595
Assets and Liabilities
Total Assets:	$998,794,000	679
Cash and due from depository institutions	$43,416,000	595
Interest-bearing balances	$206,000	4,421
Securities	$90,470,000	1,315
Federal funds sold & reverse repurchase agreements	$14,581,000	824
Net loans & leases	$800,294,000	611
Loan loss allowance	$8,637,000	742
Trading account assets	$0	251
Bank premises and fixed assets	$19,346,000	614
Other real estate owned	$346,000	595
Goodwill and other intangibles	$0	3,276
All other assets	$30,341,000	720
Life insurance assets	$10,203,000	668
Total liabilities and capital	$998,794,000	679
Total liabilities	$922,884,000	659
Total deposits	$764,916,000	666
Interest-bearing deposits	$684,469,000	645
Deposits held in domestic offices	$764,916,000	664
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$0	3,524
Trading liabilities	$0	91
Other borrowed funds	$148,585,000	477
Subordinated debt	$0	276
All other liabilities	$9,383,000	685
Total equity capital	$75,910,000	887
Total bank equity capital	$75,910,000	887
Perpetual preferred stock	$0	110
Common stock	$5,100,000	990
Surplus	$11,495,000	2,378
Undivided profits	$59,315,000	587
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$3,266,000	2,209
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$30,000	998
Income earned, not collected on loans	$2,319,000	1,677
Earning assets	$905,551,000	679
Long-term assets (5+ years)	$211,730,000	622
Average Assets, year-to-date	$971,440,000	677
Average Assets, quarterly	$985,972,500	681
Volatile liabilities	$78,707,000	1,813
Insider loans	$23,967,000	251
FHLB advances	$148,585,000	423
Loans and leases held for sale	$310,000	1,201
Unused loan commitments	$228,942,000	510
Tier 1 (core) risk-based capital	$78,775,000	783
Tier 2 risk-based capital	$9,159,000	650
Total risk weighted assets	$853,572,000	605
Total unused commitments	$228,942,000	510
Derivatives	$0	1,077
2008-06-30		Rank
# of Employees:	267	588
Assets and Liabilities
Total Assets:	$973,151,000	692
Cash and due from depository institutions	$25,470,000	588
Interest-bearing balances	$454,000	3,661
Securities	$103,935,000	1,167
Federal funds sold & reverse repurchase agreements	$16,688,000	682
Net loans & leases	$778,115,000	627
Loan loss allowance	$8,433,000	741
Trading account assets	$0	267
Bank premises and fixed assets	$19,430,000	602
Other real estate owned	$459,000	588
Goodwill and other intangibles	$0	3,301
All other assets	$29,054,000	729
Life insurance assets	$10,157,000	667
Total liabilities and capital	$973,151,000	692
Total liabilities	$895,364,000	676
Total deposits	$732,613,000	689
Interest-bearing deposits	$664,510,000	659
Deposits held in domestic offices	$732,613,000	686
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$0	3,577
Trading liabilities	$0	94
Other borrowed funds	$153,102,000	457
Subordinated debt	$0	257
All other liabilities	$9,649,000	686
Total equity capital	$77,787,000	871
Total bank equity capital	$77,787,000	871
Perpetual preferred stock	$0	107
Common stock	$5,100,000	976
Surplus	$11,495,000	2,370
Undivided profits	$61,192,000	593
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$2,157,000	2,591
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$40,000	944
Income earned, not collected on loans	$2,345,000	1,589
Earning assets	$899,192,000	679
Long-term assets (5+ years)	$213,678,000	622
Average Assets, year-to-date	$962,322,000	690
Average Assets, quarterly	$987,898,000	681
Volatile liabilities	$76,580,000	1,850
Insider loans	$30,753,000	179
FHLB advances	$153,102,000	402
Loans and leases held for sale	$0	1,725
Unused loan commitments	$217,685,000	531
Tier 1 (core) risk-based capital	$78,745,000	785
Tier 2 risk-based capital	$8,979,000	649
Total risk weighted assets	$837,881,000	617
Total unused commitments	$217,685,000	531
Derivatives	$0	1,075
2008-03-31		Rank
# of Employees:	256	611
Assets and Liabilities
Total Assets:	$1,002,645,000	667
Cash and due from depository institutions	$35,313,000	611
Interest-bearing balances	$180,000	4,509
Securities	$99,169,000	1,237
Federal funds sold & reverse repurchase agreements	$75,400,000	214
Net loans & leases	$742,695,000	642
Loan loss allowance	$7,930,000	740
Trading account assets	$0	252
Bank premises and fixed assets	$18,501,000	639
Other real estate owned	$441,000	611
Goodwill and other intangibles	$0	3,304
All other assets	$31,126,000	656
Life insurance assets	$10,065,000	663
Total liabilities and capital	$1,002,645,000	667
Total liabilities	$924,888,000	647
Total deposits	$760,155,000	665
Interest-bearing deposits	$686,934,000	646
Deposits held in domestic offices	$760,155,000	663
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$0	3,157
Trading liabilities	$0	86
Other borrowed funds	$152,368,000	430
Subordinated debt	$0	251
All other liabilities	$12,365,000	611
Total equity capital	$77,757,000	896
Total bank equity capital	$77,757,000	896
Perpetual preferred stock	$0	108
Common stock	$5,100,000	969
Surplus	$11,495,000	2,358
Undivided profits	$61,162,000	610
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$1,816,000	2,666
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$46,000	907
Income earned, not collected on loans	$2,299,000	1,673
Earning assets	$917,444,000	664
Long-term assets (5+ years)	$213,364,000	604
Average Assets, year-to-date	$956,907,500	696
Average Assets, quarterly	$956,907,500	696
Volatile liabilities	$69,486,000	1,985
Insider loans	$27,474,000	207
FHLB advances	$152,368,000	375
Loans and leases held for sale	$0	1,797
Unused loan commitments	$249,052,000	517
Tier 1 (core) risk-based capital	$77,623,000	803
Tier 2 risk-based capital	$8,552,000	665
Total risk weighted assets	$812,340,000	625
Total unused commitments	$249,052,000	517
Derivatives	$0	1,109
2007-12-31		Rank
# of Employees:	253	627
Assets and Liabilities
Total Assets:	$911,170,000	742
Cash and due from depository institutions	$29,100,000	627
Interest-bearing balances	$216,000	3,925
Securities	$87,945,000	1,364
Federal funds sold & reverse repurchase agreements	$24,260,000	527
Net loans & leases	$735,623,000	647
Loan loss allowance	$7,817,000	735
Trading account assets	$0	237
Bank premises and fixed assets	$17,560,000	675
Other real estate owned	$0	627
Goodwill and other intangibles	$0	3,293
All other assets	$16,682,000	1,153
Life insurance assets	$0	4,052
Total liabilities and capital	$911,170,000	742
Total liabilities	$834,213,000	724
Total deposits	$707,132,000	709
Interest-bearing deposits	$632,608,000	699
Deposits held in domestic offices	$707,132,000	706
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$0	3,440
Trading liabilities	$0	78
Other borrowed funds	$115,384,000	506
Subordinated debt	$0	248
All other liabilities	$11,697,000	608
Total equity capital	$76,957,000	894
Total bank equity capital	$76,957,000	894
Perpetual preferred stock	$0	111
Common stock	$5,100,000	956
Surplus	$11,495,000	2,339
Undivided profits	$60,362,000	622
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$1,335,000	2,836
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$48,000	892
Income earned, not collected on loans	$2,506,000	1,654
Earning assets	$848,044,000	726
Long-term assets (5+ years)	$220,603,000	568
Average Assets, year-to-date	$909,231,000	708
Average Assets, quarterly	$915,603,500	728
Volatile liabilities	$58,616,000	2,282
Insider loans	$35,575,000	139
FHLB advances	$115,384,000	455
Loans and leases held for sale	$0	1,738
Unused loan commitments	$193,777,000	615
Tier 1 (core) risk-based capital	$76,910,000	813
Tier 2 risk-based capital	$8,396,000	668
Total risk weighted assets	$768,259,000	663
Total unused commitments	$193,777,000	615
Derivatives	$0	1,052
2007-09-30		Rank
# of Employees:	260	592
Assets and Liabilities
Total Assets:	$920,037,000	718
Cash and due from depository institutions	$24,943,000	592
Interest-bearing balances	$570,000	2,887
Securities	$83,602,000	1,424
Federal funds sold & reverse repurchase agreements	$57,918,000	241
Net loans & leases	$711,489,000	652
Loan loss allowance	$8,041,000	681
Trading account assets	$0	244
Bank premises and fixed assets	$17,139,000	675
Other real estate owned	$0	592
Goodwill and other intangibles	$0	3,301
All other assets	$24,946,000	792
Life insurance assets	$0	4,026
Total liabilities and capital	$920,037,000	718
Total liabilities	$844,983,000	692
Total deposits	$745,410,000	670
Interest-bearing deposits	$682,034,000	645
Deposits held in domestic offices	$745,410,000	667
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$0	3,436
Trading liabilities	$0	78
Other borrowed funds	$85,400,000	602
Subordinated debt	$0	244
All other liabilities	$14,173,000	515
Total equity capital	$75,054,000	905
Total bank equity capital	$75,054,000	905
Perpetual preferred stock	$0	113
Common stock	$5,100,000	931
Surplus	$11,495,000	2,291
Undivided profits	$58,459,000	644
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$1,194,000	2,829
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$52,000	907
Income earned, not collected on loans	$2,524,000	1,765
Earning assets	$853,579,000	701
Long-term assets (5+ years)	$204,034,000	579
Average Assets, year-to-date	$908,746,250	706
Average Assets, quarterly	$933,882,000	697
Volatile liabilities	$51,642,000	2,495
Insider loans	$34,083,000	147
FHLB advances	$85,400,000	546
Loans and leases held for sale	$0	1,751
Unused loan commitments	$222,074,000	572
Tier 1 (core) risk-based capital	$75,912,000	820
Tier 2 risk-based capital	$8,546,000	651
Total risk weighted assets	$759,288,000	661
Total unused commitments	$222,074,000	572
Derivatives	$0	1,033
2007-06-30		Rank
# of Employees:	280	558
Assets and Liabilities
Total Assets:	$947,727,000	700
Cash and due from depository institutions	$30,522,000	558
Interest-bearing balances	$324,000	3,472
Securities	$84,532,000	1,400
Federal funds sold & reverse repurchase agreements	$86,478,000	204
Net loans & leases	$712,471,000	657
Loan loss allowance	$8,059,000	674
Trading account assets	$0	245
Bank premises and fixed assets	$17,532,000	641
Other real estate owned	$78,000	558
Goodwill and other intangibles	$0	3,329
All other assets	$16,114,000	1,179
Life insurance assets	$0	4,058
Total liabilities and capital	$947,727,000	700
Total liabilities	$874,880,000	677
Total deposits	$801,313,000	637
Interest-bearing deposits	$673,078,000	664
Deposits held in domestic offices	$801,313,000	635
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$0	3,401
Trading liabilities	$0	87
Other borrowed funds	$65,450,000	706
Subordinated debt	$0	258
All other liabilities	$8,117,000	791
Total equity capital	$72,847,000	934
Total bank equity capital	$72,847,000	934
Perpetual preferred stock	$0	111
Common stock	$5,100,000	919
Surplus	$11,495,000	2,292
Undivided profits	$56,252,000	665
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$4,821,000	850
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,127
Income earned, not collected on loans	$2,251,000	1,854
Earning assets	$883,805,000	687
Long-term assets (5+ years)	$216,504,000	544
Average Assets, year-to-date	$904,982,670	727
Average Assets, quarterly	$923,679,000	711
Volatile liabilities	$47,862,000	2,616
Insider loans	$34,601,000	142
FHLB advances	$65,450,000	635
Loans and leases held for sale	$0	1,802
Unused loan commitments	$258,978,000	518
Tier 1 (core) risk-based capital	$74,341,000	841
Tier 2 risk-based capital	$8,601,000	660
Total risk weighted assets	$764,807,000	666
Total unused commitments	$258,978,000	518
Derivatives	$0	1,067
2007-03-31		Rank
# of Employees:	282	549
Assets and Liabilities
Total Assets:	$899,631,000	731
Cash and due from depository institutions	$24,374,000	549
Interest-bearing balances	$264,000	3,740
Securities	$78,144,000	1,521
Federal funds sold & reverse repurchase agreements	$74,328,000	266
Net loans & leases	$693,421,000	659
Loan loss allowance	$8,128,000	644
Trading account assets	$0	267
Bank premises and fixed assets	$13,572,000	849
Other real estate owned	$0	549
Goodwill and other intangibles	$0	3,322
All other assets	$15,792,000	1,151
Life insurance assets	$0	4,074
Total liabilities and capital	$899,631,000	731
Total liabilities	$827,308,000	706
Total deposits	$750,816,000	675
Interest-bearing deposits	$667,426,000	663
Deposits held in domestic offices	$750,816,000	673
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$0	3,056
Trading liabilities	$0	89
Other borrowed funds	$69,748,000	657
Subordinated debt	$0	262
All other liabilities	$6,744,000	909
Total equity capital	$72,323,000	920
Total bank equity capital	$72,323,000	920
Perpetual preferred stock	$0	113
Common stock	$5,100,000	903
Surplus	$11,495,000	2,265
Undivided profits	$55,728,000	678
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$7,291,000	507
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,132
Income earned, not collected on loans	$2,334,000	1,714
Earning assets	$846,157,000	711
Long-term assets (5+ years)	$201,281,000	569
Average Assets, year-to-date	$883,610,500	742
Average Assets, quarterly	$883,610,500	742
Volatile liabilities	$56,482,000	2,262
Insider loans	$33,771,000	150
FHLB advances	$69,748,000	593
Loans and leases held for sale	$0	1,800
Unused loan commitments	$250,654,000	534
Tier 1 (core) risk-based capital	$73,185,000	832
Tier 2 risk-based capital	$8,675,000	630
Total risk weighted assets	$727,887,000	673
Total unused commitments	$250,654,000	534
Derivatives	$0	1,065
2006-12-31		Rank
# of Employees:	277	567
Assets and Liabilities
Total Assets:	$867,590,000	753
Cash and due from depository institutions	$27,841,000	567
Interest-bearing balances	$285,000	3,693
Securities	$79,941,000	1,522
Federal funds sold & reverse repurchase agreements	$44,500,000	337
Net loans & leases	$686,157,000	667
Loan loss allowance	$8,186,000	628
Trading account assets	$0	156
Bank premises and fixed assets	$13,988,000	799
Other real estate owned	$0	567
Goodwill and other intangibles	$0	3,315
All other assets	$15,163,000	1,199
Life insurance assets	$0	4,082
Total liabilities and capital	$867,590,000	753
Total liabilities	$795,719,000	735
Total deposits	$727,175,000	688
Interest-bearing deposits	$642,111,000	672
Deposits held in domestic offices	$727,175,000	686
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$5,266,000	1,586
Trading liabilities	$0	77
Other borrowed funds	$56,330,000	797
Subordinated debt	$0	264
All other liabilities	$6,948,000	888
Total equity capital	$71,871,000	906
Total bank equity capital	$71,871,000	906
Perpetual preferred stock	$0	112
Common stock	$5,100,000	893
Surplus	$11,495,000	2,209
Undivided profits	$55,276,000	669
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$8,082,000	413
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,087
Income earned, not collected on loans	$2,380,000	1,731
Earning assets	$810,883,000	730
Long-term assets (5+ years)	$206,242,000	544
Average Assets, year-to-date	$860,338,400	722
Average Assets, quarterly	$862,935,000	747
Volatile liabilities	$49,091,000	2,684
Insider loans	$32,840,000	156
FHLB advances	$56,330,000	726
Loans and leases held for sale	$0	1,760
Unused loan commitments	$253,870,000	518
Tier 1 (core) risk-based capital	$72,996,000	827
Tier 2 risk-based capital	$8,738,000	624
Total risk weighted assets	$711,372,000	685
Total unused commitments	$253,870,000	518
Derivatives	$0	1,023
2006-09-30		Rank
# of Employees:	273	582
Assets and Liabilities
Total Assets:	$858,280,000	756
Cash and due from depository institutions	$23,451,000	582
Interest-bearing balances	$223,000	3,890
Securities	$92,932,000	1,320
Federal funds sold & reverse repurchase agreements	$42,300,000	327
Net loans & leases	$671,225,000	681
Loan loss allowance	$8,174,000	638
Trading account assets	$0	154
Bank premises and fixed assets	$13,791,000	790
Other real estate owned	$0	582
Goodwill and other intangibles	$0	3,332
All other assets	$14,581,000	1,241
Life insurance assets	$0	4,052
Total liabilities and capital	$858,280,000	756
Total liabilities	$786,298,000	739
Total deposits	$717,865,000	688
Interest-bearing deposits	$637,496,000	674
Deposits held in domestic offices	$717,865,000	687
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$5,198,000	1,673
Trading liabilities	$0	74
Other borrowed funds	$56,411,000	839
Subordinated debt	$0	269
All other liabilities	$6,824,000	876
Total equity capital	$71,982,000	908
Total bank equity capital	$71,982,000	908
Perpetual preferred stock	$0	118
Common stock	$5,100,000	877
Surplus	$11,495,000	2,174
Undivided profits	$55,387,000	671
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$8,578,000	368
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,131
Income earned, not collected on loans	$2,218,000	1,861
Earning assets	$806,680,000	731
Long-term assets (5+ years)	$215,839,000	533
Average Assets, year-to-date	$858,525,500	735
Average Assets, quarterly	$864,512,000	746
Volatile liabilities	$49,834,000	2,626
Insider loans	$19,607,000	301
FHLB advances	$56,411,000	765
Loans and leases held for sale	$0	1,773
Unused loan commitments	$254,396,000	533
Tier 1 (core) risk-based capital	$73,150,000	833
Tier 2 risk-based capital	$8,195,000	667
Total risk weighted assets	$699,667,000	695
Total unused commitments	$254,396,000	533
Derivatives	$0	1,023
2006-06-30		Rank
# of Employees:	255	629
Assets and Liabilities
Total Assets:	$870,744,000	736
Cash and due from depository institutions	$27,666,000	629
Interest-bearing balances	$286,000	3,709
Securities	$84,549,000	1,431
Federal funds sold & reverse repurchase agreements	$52,300,000	249
Net loans & leases	$678,136,000	663
Loan loss allowance	$8,251,000	624
Trading account assets	$0	157
Bank premises and fixed assets	$13,460,000	799
Other real estate owned	$0	629
Goodwill and other intangibles	$0	3,333
All other assets	$14,633,000	1,230
Life insurance assets	$0	4,035
Total liabilities and capital	$870,744,000	736
Total liabilities	$801,249,000	716
Total deposits	$733,502,000	664
Interest-bearing deposits	$648,213,000	647
Deposits held in domestic offices	$733,502,000	663
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$5,130,000	1,690
Trading liabilities	$0	73
Other borrowed funds	$56,491,000	853
Subordinated debt	$0	265
All other liabilities	$6,126,000	899
Total equity capital	$69,495,000	907
Total bank equity capital	$69,495,000	907
Perpetual preferred stock	$0	119
Common stock	$5,100,000	854
Surplus	$11,495,000	2,138
Undivided profits	$52,900,000	667
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$7,467,000	388
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,150
Income earned, not collected on loans	$2,169,000	1,690
Earning assets	$815,271,000	721
Long-term assets (5+ years)	$214,660,000	527
Average Assets, year-to-date	$858,607,330	734
Average Assets, quarterly	$867,466,500	737
Volatile liabilities	$53,032,000	2,473
Insider loans	$19,568,000	284
FHLB advances	$56,491,000	774
Loans and leases held for sale	$0	1,763
Unused loan commitments	$264,705,000	510
Tier 1 (core) risk-based capital	$71,739,000	829
Tier 2 risk-based capital	$8,272,000	646
Total risk weighted assets	$709,362,000	680
Total unused commitments	$264,705,000	510
Derivatives	$0	1,000
2006-03-31		Rank
# of Employees:	251	627
Assets and Liabilities
Total Assets:	$864,189,000	729
Cash and due from depository institutions	$31,899,000	627
Interest-bearing balances	$331,000	3,633
Securities	$83,359,000	1,476
Federal funds sold & reverse repurchase agreements	$44,000,000	322
Net loans & leases	$677,028,000	645
Loan loss allowance	$8,579,000	597
Trading account assets	$0	154
Bank premises and fixed assets	$13,274,000	788
Other real estate owned	$0	627
Goodwill and other intangibles	$0	3,321
All other assets	$14,629,000	1,199
Life insurance assets	$0	4,002
Total liabilities and capital	$864,189,000	729
Total liabilities	$795,618,000	705
Total deposits	$719,990,000	662
Interest-bearing deposits	$637,717,000	645
Deposits held in domestic offices	$719,990,000	661
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$5,062,000	1,615
Trading liabilities	$0	77
Other borrowed funds	$65,820,000	719
Subordinated debt	$0	259
All other liabilities	$4,746,000	1,083
Total equity capital	$68,571,000	909
Total bank equity capital	$68,571,000	909
Perpetual preferred stock	$0	120
Common stock	$5,100,000	842
Surplus	$11,495,000	2,073
Undivided profits	$51,976,000	680
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$7,306,000	396
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,164
Income earned, not collected on loans	$2,047,000	1,689
Earning assets	$804,718,000	719
Long-term assets (5+ years)	$206,982,000	527
Average Assets, year-to-date	$852,539,000	730
Average Assets, quarterly	$852,539,000	730
Volatile liabilities	$59,892,000	2,171
Insider loans	$21,313,000	251
FHLB advances	$65,820,000	653
Loans and leases held for sale	$0	1,721
Unused loan commitments	$257,027,000	509
Tier 1 (core) risk-based capital	$70,639,000	830
Tier 2 risk-based capital	$8,600,000	614
Total risk weighted assets	$707,743,000	663
Total unused commitments	$257,027,000	509
Derivatives	$0	990
2005-12-31		Rank
# of Employees:	232	680
Assets and Liabilities
Total Assets:	$840,889,000	739
Cash and due from depository institutions	$37,943,000	680
Interest-bearing balances	$542,000	3,255
Securities	$88,729,000	1,383
Federal funds sold & reverse repurchase agreements	$31,000,000	411
Net loans & leases	$655,727,000	653
Loan loss allowance	$8,549,000	585
Trading account assets	$0	155
Bank premises and fixed assets	$13,786,000	741
Other real estate owned	$0	680
Goodwill and other intangibles	$0	3,315
All other assets	$13,704,000	1,263
Life insurance assets	$0	351
Total liabilities and capital	$840,889,000	739
Total liabilities	$773,235,000	719
Total deposits	$698,096,000	675
Interest-bearing deposits	$619,321,000	650
Deposits held in domestic offices	$698,096,000	673
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$3,003,000	2,011
Trading liabilities	$0	72
Other borrowed funds	$65,897,000	737
Subordinated debt	$0	258
All other liabilities	$6,239,000	857
Total equity capital	$67,654,000	904
Total bank equity capital	$67,654,000	904
Perpetual preferred stock	$0	122
Common stock	$5,100,000	825
Surplus	$11,495,000	2,036
Undivided profits	$51,059,000	690
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$8,358,000	345
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,175
Income earned, not collected on loans	$2,040,000	1,712
Earning assets	$775,998,000	732
Long-term assets (5+ years)	$213,057,000	501
Average Assets, year-to-date	$815,380,600	711
Average Assets, quarterly	$837,001,500	728
Volatile liabilities	$74,103,000	1,782
Insider loans	$21,652,000	236
FHLB advances	$65,897,000	663
Loans and leases held for sale	$0	1,743
Unused loan commitments	$250,152,000	511
Tier 1 (core) risk-based capital	$69,170,000	822
Tier 2 risk-based capital	$8,566,000	605
Total risk weighted assets	$687,655,000	668
Total unused commitments	$250,152,000	511
Derivatives	$0	930
2005-09-30		Rank
# of Employees:	233	673
Assets and Liabilities
Total Assets:	$833,114,000	723
Cash and due from depository institutions	$31,163,000	673
Interest-bearing balances	$353,000	3,790
Securities	$92,783,000	1,316
Federal funds sold & reverse repurchase agreements	$25,600,000	526
Net loans & leases	$656,243,000	631
Loan loss allowance	$8,488,000	586
Trading account assets	$0	146
Bank premises and fixed assets	$13,797,000	720
Other real estate owned	$0	673
Goodwill and other intangibles	$0	3,310
All other assets	$13,528,000	1,241
Life insurance assets	$0	341
Total liabilities and capital	$833,114,000	723
Total liabilities	$766,821,000	704
Total deposits	$691,019,000	669
Interest-bearing deposits	$614,213,000	644
Deposits held in domestic offices	$691,019,000	667
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$3,962,000	1,831
Trading liabilities	$0	63
Other borrowed funds	$65,973,000	732
Subordinated debt	$0	251
All other liabilities	$5,867,000	867
Total equity capital	$66,293,000	905
Total bank equity capital	$66,293,000	905
Perpetual preferred stock	$0	120
Common stock	$600,000	3,755
Surplus	$15,995,000	1,496
Undivided profits	$49,698,000	707
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$8,204,000	353
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,225
Income earned, not collected on loans	$1,850,000	1,823
Earning assets	$774,979,000	712
Long-term assets (5+ years)	$211,625,000	494
Average Assets, year-to-date	$809,003,500	710
Average Assets, quarterly	$824,637,500	718
Volatile liabilities	$91,983,000	1,426
Insider loans	$22,103,000	224
FHLB advances	$65,973,000	663
Loans and leases held for sale	$0	1,843
Unused loan commitments	$235,420,000	524
Tier 1 (core) risk-based capital	$67,412,000	824
Tier 2 risk-based capital	$8,497,000	599
Total risk weighted assets	$693,021,000	647
Total unused commitments	$235,420,000	524
Derivatives	$0	909
2005-06-30		Rank
# of Employees:	244	645
Assets and Liabilities
Total Assets:	$816,161,000	715
Cash and due from depository institutions	$27,537,000	645
Interest-bearing balances	$454,000	3,494
Securities	$92,269,000	1,339
Federal funds sold & reverse repurchase agreements	$20,000,000	612
Net loans & leases	$649,279,000	624
Loan loss allowance	$8,004,000	597
Trading account assets	$0	148
Bank premises and fixed assets	$13,956,000	691
Other real estate owned	$0	645
Goodwill and other intangibles	$0	3,307
All other assets	$13,120,000	1,246
Life insurance assets	$0	339
Total liabilities and capital	$816,161,000	715
Total liabilities	$751,286,000	701
Total deposits	$679,735,000	656
Interest-bearing deposits	$645,905,000	602
Deposits held in domestic offices	$679,735,000	654
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$439,000	3,278
Trading liabilities	$0	65
Other borrowed funds	$66,048,000	738
Subordinated debt	$0	251
All other liabilities	$5,064,000	916
Total equity capital	$64,875,000	912
Total bank equity capital	$64,875,000	912
Perpetual preferred stock	$0	118
Common stock	$600,000	3,744
Surplus	$15,995,000	1,469
Undivided profits	$48,280,000	711
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$9,813,000	293
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,247
Income earned, not collected on loans	$1,824,000	1,679
Earning assets	$762,002,000	706
Long-term assets (5+ years)	$205,262,000	508
Average Assets, year-to-date	$800,966,670	710
Average Assets, quarterly	$799,729,500	719
Volatile liabilities	$62,365,000	1,906
Insider loans	$22,249,000	208
FHLB advances	$66,048,000	673
Loans and leases held for sale	$0	1,818
Unused loan commitments	$229,812,000	514
Tier 1 (core) risk-based capital	$65,368,000	826
Tier 2 risk-based capital	$8,007,000	613
Total risk weighted assets	$681,637,000	629
Total unused commitments	$229,812,000	514
Derivatives	$0	866
2005-03-31		Rank
# of Employees:	261	580
Assets and Liabilities
Total Assets:	$783,298,000	734
Cash and due from depository institutions	$21,752,000	580
Interest-bearing balances	$230,000	4,210
Securities	$100,448,000	1,256
Federal funds sold & reverse repurchase agreements	$0	6,340
Net loans & leases	$633,392,000	620
Loan loss allowance	$7,449,000	630
Trading account assets	$0	148
Bank premises and fixed assets	$13,848,000	679
Other real estate owned	$0	580
Goodwill and other intangibles	$0	3,297
All other assets	$13,858,000	1,172
Life insurance assets	$0	333
Total liabilities and capital	$783,298,000	734
Total liabilities	$720,415,000	719
Total deposits	$644,335,000	684
Interest-bearing deposits	$568,782,000	667
Deposits held in domestic offices	$644,335,000	682
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$1,028,000	2,582
Trading liabilities	$0	65
Other borrowed funds	$69,771,000	692
Subordinated debt	$0	265
All other liabilities	$5,281,000	894
Total equity capital	$62,883,000	921
Total bank equity capital	$62,883,000	921
Perpetual preferred stock	$0	120
Common stock	$600,000	3,753
Surplus	$15,995,000	1,428
Undivided profits	$46,288,000	711
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$8,586,000	338
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,234
Income earned, not collected on loans	$1,714,000	1,739
Earning assets	$734,070,000	722
Long-term assets (5+ years)	$204,172,000	516
Average Assets, year-to-date	$793,369,500	724
Average Assets, quarterly	$793,369,500	724
Volatile liabilities	$39,757,000	2,608
Insider loans	$18,279,000	256
FHLB advances	$69,771,000	624
Loans and leases held for sale	$0	1,762
Unused loan commitments	$213,229,000	532
Tier 1 (core) risk-based capital	$64,084,000	832
Tier 2 risk-based capital	$7,449,000	648
Total risk weighted assets	$671,950,000	624
Total unused commitments	$213,229,000	532
Derivatives	$0	790
2004-12-31		Rank
# of Employees:	257	610
Assets and Liabilities
Total Assets:	$803,441,000	727
Cash and due from depository institutions	$25,110,000	610
Interest-bearing balances	$454,000	3,576
Securities	$134,066,000	949
Federal funds sold & reverse repurchase agreements	$6,500,000	1,748
Net loans & leases	$610,792,000	640
Loan loss allowance	$7,213,000	660
Trading account assets	$0	153
Bank premises and fixed assets	$14,137,000	660
Other real estate owned	$0	610
Goodwill and other intangibles	$0	3,293
All other assets	$12,836,000	1,218
Life insurance assets	$0	334
Total liabilities and capital	$803,441,000	727
Total liabilities	$737,408,000	714
Total deposits	$665,299,000	655
Interest-bearing deposits	$593,313,000	631
Deposits held in domestic offices	$665,299,000	653
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$1,020,000	2,687
Trading liabilities	$0	66
Other borrowed funds	$65,444,000	736
Subordinated debt	$0	272
All other liabilities	$5,645,000	838
Total equity capital	$66,033,000	871
Total bank equity capital	$66,033,000	871
Perpetual preferred stock	$0	118
Common stock	$600,000	3,758
Surplus	$15,995,000	1,420
Undivided profits	$49,438,000	685
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$7,877,000	369
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,187
Income earned, not collected on loans	$1,621,000	1,797
Earning assets	$751,812,000	716
Long-term assets (5+ years)	$208,556,000	515
Average Assets, year-to-date	$755,334,600	736
Average Assets, quarterly	$814,380,500	715
Volatile liabilities	$38,318,000	2,633
Insider loans	$11,628,000	467
FHLB advances	$65,444,000	666
Loans and leases held for sale	$0	1,753
Unused loan commitments	$213,962,000	522
Tier 1 (core) risk-based capital	$66,038,000	806
Tier 2 risk-based capital	$7,213,000	672
Total risk weighted assets	$650,934,000	643
Total unused commitments	$213,962,000	522
Derivatives	$0	774
2004-09-30		Rank
# of Employees:	284	545
Assets and Liabilities
Total Assets:	$825,320,000	710
Cash and due from depository institutions	$25,336,000	545
Interest-bearing balances	$91,000	5,409
Securities	$137,857,000	926
Federal funds sold & reverse repurchase agreements	$38,000,000	311
Net loans & leases	$596,941,000	643
Loan loss allowance	$6,924,000	688
Trading account assets	$0	149
Bank premises and fixed assets	$13,382,000	673
Other real estate owned	$0	545
Goodwill and other intangibles	$0	3,268
All other assets	$13,804,000	1,117
Life insurance assets	$0	330
Total liabilities and capital	$825,320,000	710
Total liabilities	$760,807,000	694
Total deposits	$693,939,000	618
Interest-bearing deposits	$625,478,000	598
Deposits held in domestic offices	$693,939,000	614
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$1,015,000	2,811
Trading liabilities	$0	68
Other borrowed funds	$60,919,000	771
Subordinated debt	$0	276
All other liabilities	$4,934,000	921
Total equity capital	$64,513,000	880
Total bank equity capital	$64,513,000	880
Perpetual preferred stock	$0	124
Common stock	$600,000	3,776
Surplus	$15,995,000	1,378
Undivided profits	$47,918,000	699
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$1,556,000	1,758
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,251
Income earned, not collected on loans	$1,652,000	1,831
Earning assets	$772,889,000	692
Long-term assets (5+ years)	$212,095,000	520
Average Assets, year-to-date	$743,308,000	748
Average Assets, quarterly	$790,875,500	725
Volatile liabilities	$35,032,000	2,761
Insider loans	$11,171,000	489
FHLB advances	$60,919,000	694
Loans and leases held for sale	$0	1,808
Unused loan commitments	$232,618,000	489
Tier 1 (core) risk-based capital	$64,470,000	812
Tier 2 risk-based capital	$6,924,000	678
Total risk weighted assets	$643,566,000	637
Total unused commitments	$232,618,000	489
Derivatives	$0	770
2004-06-30		Rank
# of Employees:	280	553
Assets and Liabilities
Total Assets:	$756,431,000	754
Cash and due from depository institutions	$23,902,000	553
Interest-bearing balances	$298,000	4,108
Securities	$131,344,000	973
Federal funds sold & reverse repurchase agreements	$0	5,884
Net loans & leases	$573,180,000	652
Loan loss allowance	$6,626,000	710
Trading account assets	$0	153
Bank premises and fixed assets	$13,105,000	669
Other real estate owned	$0	553
Goodwill and other intangibles	$0	3,275
All other assets	$14,900,000	1,038
Life insurance assets	$0	323
Total liabilities and capital	$756,431,000	754
Total liabilities	$694,864,000	738
Total deposits	$601,855,000	718
Interest-bearing deposits	$529,159,000	712
Deposits held in domestic offices	$601,855,000	714
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$1,009,000	2,820
Trading liabilities	$0	69
Other borrowed funds	$87,172,000	599
Subordinated debt	$0	288
All other liabilities	$4,828,000	884
Total equity capital	$61,567,000	895
Total bank equity capital	$61,567,000	895
Perpetual preferred stock	$0	126
Common stock	$600,000	3,797
Surplus	$15,995,000	1,332
Undivided profits	$44,972,000	710
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$1,963,000	1,433
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,328
Income earned, not collected on loans	$1,358,000	2,133
Earning assets	$704,822,000	743
Long-term assets (5+ years)	$214,922,000	534
Average Assets, year-to-date	$715,970,670	770
Average Assets, quarterly	$730,262,000	775
Volatile liabilities	$57,351,000	1,820
Insider loans	$13,336,000	382
FHLB advances	$87,172,000	531
Loans and leases held for sale	$0	1,820
Unused loan commitments	$161,554,000	622
Tier 1 (core) risk-based capital	$62,691,000	817
Tier 2 risk-based capital	$6,626,000	711
Total risk weighted assets	$615,469,000	656
Total unused commitments	$161,554,000	622
Derivatives	$0	740
2004-03-31		Rank
# of Employees:	286	544
Assets and Liabilities
Total Assets:	$704,093,000	802
Cash and due from depository institutions	$28,150,000	544
Interest-bearing balances	$412,000	3,927
Securities	$119,341,000	1,107
Federal funds sold & reverse repurchase agreements	$13,700,000	1,063
Net loans & leases	$519,160,000	703
Loan loss allowance	$6,000,000	783
Trading account assets	$0	144
Bank premises and fixed assets	$12,836,000	679
Other real estate owned	$0	544
Goodwill and other intangibles	$0	3,256
All other assets	$10,906,000	1,307
Life insurance assets	$0	322
Total liabilities and capital	$704,093,000	802
Total liabilities	$642,226,000	796
Total deposits	$595,522,000	722
Interest-bearing deposits	$540,033,000	705
Deposits held in domestic offices	$595,522,000	718
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$2,003,000	2,124
Trading liabilities	$0	70
Other borrowed funds	$40,234,000	985
Subordinated debt	$0	287
All other liabilities	$4,467,000	1,044
Total equity capital	$61,867,000	909
Total bank equity capital	$61,867,000	909
Perpetual preferred stock	$0	129
Common stock	$600,000	3,801
Surplus	$15,995,000	1,313
Undivided profits	$45,272,000	737
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$2,417,000	1,238
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,356
Income earned, not collected on loans	$1,348,000	2,125
Earning assets	$652,613,000	793
Long-term assets (5+ years)	$185,654,000	582
Average Assets, year-to-date	$695,740,500	802
Average Assets, quarterly	$695,740,500	802
Volatile liabilities	$24,174,000	3,437
Insider loans	$5,567,000	999
FHLB advances	$40,234,000	892
Loans and leases held for sale	$0	1,884
Unused loan commitments	$159,438,000	613
Tier 1 (core) risk-based capital	$60,926,000	836
Tier 2 risk-based capital	$6,000,000	775
Total risk weighted assets	$567,374,000	695
Total unused commitments	$159,438,000	615
Derivatives	$0	699
2003-12-31		Rank
# of Employees:	275	575
Assets and Liabilities
Total Assets:	$687,388,000	823
Cash and due from depository institutions	$28,882,000	575
Interest-bearing balances	$374,000	3,972
Securities	$125,989,000	1,063
Federal funds sold & reverse repurchase agreements	$2,500,000	3,613
Net loans & leases	$505,385,000	716
Loan loss allowance	$5,864,000	799
Trading account assets	$0	168
Bank premises and fixed assets	$13,168,000	654
Other real estate owned	$0	575
Goodwill and other intangibles	$0	3,237
All other assets	$11,464,000	1,279
Life insurance assets	$0	1
Total liabilities and capital	$687,388,000	823
Total liabilities	$627,923,000	809
Total deposits	$582,922,000	732
Interest-bearing deposits	$514,950,000	735
Deposits held in domestic offices	$582,922,000	729
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$0	3,433
Trading liabilities	$0	72
Other borrowed funds	$40,543,000	995
Subordinated debt	$0	293
All other liabilities	$4,458,000	1,009
Total equity capital	$59,465,000	931
Total bank equity capital	$59,465,000	931
Perpetual preferred stock	$0	131
Common stock	$600,000	3,833
Surplus	$15,995,000	1,284
Undivided profits	$42,870,000	748
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$3,690,000	834
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,287
Income earned, not collected on loans	$1,337,000	2,244
Earning assets	$634,248,000	812
Long-term assets (5+ years)	$198,292,000	557
Average Assets, year-to-date	$665,840,000	813
Average Assets, quarterly	$685,692,500	818
Volatile liabilities	$22,167,000	3,643
Insider loans	$7,364,000	721
FHLB advances	$40,543,000	897
Loans and leases held for sale	$0	1,789
Unused loan commitments	$122,853,000	724
Tier 1 (core) risk-based capital	$59,157,000	855
Tier 2 risk-based capital	$5,864,000	785
Total risk weighted assets	$551,636,000	703
Total unused commitments	$122,853,000	724
Derivatives	$0	665
2003-09-30		Rank
# of Employees:	277	581
Assets and Liabilities
Total Assets:	$683,997,000	831
Cash and due from depository institutions	$27,869,000	581
Interest-bearing balances	$550,000	3,696
Securities	$132,861,000	1,016
Federal funds sold & reverse repurchase agreements	$0	6,602
Net loans & leases	$496,904,000	720
Loan loss allowance	$5,473,000	873
Trading account assets	$0	165
Bank premises and fixed assets	$13,714,000	619
Other real estate owned	$0	581
Goodwill and other intangibles	$0	3,226
All other assets	$12,649,000	1,168
Life insurance assets	$0	1
Total liabilities and capital	$683,997,000	831
Total liabilities	$632,379,000	814
Total deposits	$575,019,000	759
Interest-bearing deposits	$512,971,000	750
Deposits held in domestic offices	$575,019,000	756
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$7,000,000	1,316
Trading liabilities	$0	72
Other borrowed funds	$45,958,000	898
Subordinated debt	$0	293
All other liabilities	$4,402,000	1,064
Total equity capital	$51,618,000	1,073
Total bank equity capital	$51,618,000	1,073
Perpetual preferred stock	$0	137
Common stock	$600,000	3,862
Surplus	$9,000,000	2,096
Undivided profits	$42,018,000	764
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$5,338,000	625
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,354
Income earned, not collected on loans	$1,288,000	2,435
Earning assets	$630,315,000	826
Long-term assets (5+ years)	$210,892,000	538
Average Assets, year-to-date	$660,453,000	839
Average Assets, quarterly	$672,481,000	842
Volatile liabilities	$44,250,000	2,125
Insider loans	$5,547,000	966
FHLB advances	$45,958,000	808
Loans and leases held for sale	$0	1,962
Unused loan commitments	$122,165,000	743
Tier 1 (core) risk-based capital	$50,993,000	1,006
Tier 2 risk-based capital	$5,473,000	839
Total risk weighted assets	$545,276,000	723
Total unused commitments	$122,165,000	745
Derivatives	$0	666
2003-06-30		Rank
# of Employees:	276	588
Assets and Liabilities
Total Assets:	$660,965,000	855
Cash and due from depository institutions	$38,611,000	588
Interest-bearing balances	$391,000	4,181
Securities	$118,952,000	1,103
Federal funds sold & reverse repurchase agreements	$22,500,000	675
Net loans & leases	$456,282,000	772
Loan loss allowance	$6,156,000	766
Trading account assets	$0	170
Bank premises and fixed assets	$13,645,000	608
Other real estate owned	$0	588
Goodwill and other intangibles	$0	3,182
All other assets	$10,975,000	1,262
Life insurance assets	$0	1
Total liabilities and capital	$660,965,000	855
Total liabilities	$609,807,000	833
Total deposits	$573,464,000	754
Interest-bearing deposits	$508,501,000	748
Deposits held in domestic offices	$573,464,000	751
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$0	3,266
Trading liabilities	$0	74
Other borrowed funds	$31,368,000	1,168
Subordinated debt	$0	266
All other liabilities	$4,975,000	1,013
Total equity capital	$51,158,000	1,066
Total bank equity capital	$51,158,000	1,066
Perpetual preferred stock	$0	140
Common stock	$600,000	3,864
Surplus	$9,000,000	2,055
Undivided profits	$41,558,000	786
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$4,483,000	723
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,408
Income earned, not collected on loans	$1,336,000	2,250
Earning assets	$598,125,000	863
Long-term assets (5+ years)	$156,853,000	680
Average Assets, year-to-date	$652,605,000	847
Average Assets, quarterly	$659,438,500	848
Volatile liabilities	$23,942,000	3,366
Insider loans	$5,432,000	957
FHLB advances	$31,368,000	1,058
Loans and leases held for sale	$0	2,044
Unused loan commitments	$132,309,000	694
Tier 1 (core) risk-based capital	$49,852,000	1,006
Tier 2 risk-based capital	$6,156,000	732
Total risk weighted assets	$510,195,000	747
Total unused commitments	$132,309,000	699
Derivatives	$0	623
2003-03-31		Rank
# of Employees:	267	597
Assets and Liabilities
Total Assets:	$657,912,000	845
Cash and due from depository institutions	$37,546,000	597
Interest-bearing balances	$202,000	4,630
Securities	$124,640,000	1,039
Federal funds sold & reverse repurchase agreements	$41,000,000	388
Net loans & leases	$429,959,000	805
Loan loss allowance	$6,389,000	738
Trading account assets	$0	169
Bank premises and fixed assets	$13,619,000	602
Other real estate owned	$0	597
Goodwill and other intangibles	$0	3,151
All other assets	$11,148,000	1,221
Life insurance assets	$0	1
Total liabilities and capital	$657,912,000	845
Total liabilities	$605,008,000	827
Total deposits	$577,870,000	730
Interest-bearing deposits	$512,117,000	727
Deposits held in domestic offices	$577,870,000	727
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$0	3,057
Trading liabilities	$0	79
Other borrowed funds	$22,276,000	1,411
Subordinated debt	$0	265
All other liabilities	$4,862,000	1,046
Total equity capital	$52,904,000	1,025
Total bank equity capital	$52,904,000	1,025
Perpetual preferred stock	$0	141
Common stock	$600,000	3,877
Surplus	$9,000,000	2,022
Undivided profits	$43,304,000	733
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$6,037,000	557
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,422
Income earned, not collected on loans	$1,299,000	2,347
Earning assets	$595,801,000	850
Long-term assets (5+ years)	$155,031,000	653
Average Assets, year-to-date	$648,425,000	841
Average Assets, quarterly	$648,425,000	841
Volatile liabilities	$22,244,000	3,503
Insider loans	$4,913,000	1,072
FHLB advances	$22,276,000	1,307
Loans and leases held for sale	$0	1,961
Unused loan commitments	$148,853,000	621
Tier 1 (core) risk-based capital	$51,730,000	955
Tier 2 risk-based capital	$5,992,000	728
Total risk weighted assets	$478,968,000	773
Total unused commitments	$148,853,000	622
Derivatives	$0	578
2002-12-31		Rank
# of Employees:	254	631
Assets and Liabilities
Total Assets:	$638,938,000	843
Cash and due from depository institutions	$31,867,000	631
Interest-bearing balances	$90,000	5,438
Securities	$124,074,000	1,004
Federal funds sold & reverse repurchase agreements	$17,000,000	824
Net loans & leases	$441,452,000	776
Loan loss allowance	$6,230,000	739
Trading account assets	$0	170
Bank premises and fixed assets	$13,944,000	577
Other real estate owned	$0	631
Goodwill and other intangibles	$0	3,122
All other assets	$10,601,000	1,251
Life insurance assets	$0	1
Total liabilities and capital	$638,938,000	843
Total liabilities	$586,875,000	827
Total deposits	$559,340,000	736
Interest-bearing deposits	$494,884,000	721
Deposits held in domestic offices	$559,340,000	733
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$0	3,222
Trading liabilities	$0	75
Other borrowed funds	$22,678,000	1,405
Subordinated debt	$0	258
All other liabilities	$4,857,000	1,012
Total equity capital	$52,063,000	1,013
Total bank equity capital	$52,063,000	1,013
Perpetual preferred stock	$0	142
Common stock	$600,000	3,880
Surplus	$9,000,000	1,994
Undivided profits	$42,463,000	726
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$5,537,000	586
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,384
Income earned, not collected on loans	$1,363,000	2,338
Earning assets	$582,616,000	853
Long-term assets (5+ years)	$118,813,000	830
Average Assets, year-to-date	$603,169,600	842
Average Assets, quarterly	$623,269,500	855
Volatile liabilities	$22,845,000	3,422
Insider loans	$3,769,000	1,403
FHLB advances	$22,678,000	1,285
Loans and leases held for sale	$0	1,889
Unused loan commitments	$139,405,000	623
Tier 1 (core) risk-based capital	$50,674,000	952
Tier 2 risk-based capital	$6,019,000	725
Total risk weighted assets	$481,280,000	767
Total unused commitments	$139,405,000	623
Derivatives	$0	527
2001-12-31		Rank
# of Employees:	250	646
Assets and Liabilities
Total Assets:	$583,251,000	875
Cash and due from depository institutions	$25,814,000	646
Interest-bearing balances	$238,000	4,312
Securities	$76,651,000	1,465
Federal funds sold & reverse repurchase agreements	$12,400,000	1,176
Net loans & leases	$441,766,000	763
Loan loss allowance	$6,344,000	689
Trading account assets	$0	182
Bank premises and fixed assets	$15,584,000	495
Other real estate owned	$463,000	646
Goodwill and other intangibles	$0	3,095
All other assets	$10,573,000	1,163
Life insurance assets	$0	1
Total liabilities and capital	$583,251,000	875
Total liabilities	$540,776,000	850
Total deposits	$499,169,000	784
Interest-bearing deposits	$446,181,000	755
Deposits held in domestic offices	$499,169,000	780
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$4,769,000	1,533
Trading liabilities	$0	69
Other borrowed funds	$31,751,000	1,007
Subordinated debt	$0	241
All other liabilities	$5,087,000	977
Total equity capital	$42,475,000	1,155
Total bank equity capital	$42,475,000	1,155
Perpetual preferred stock	$0	158
Common stock	$600,000	3,949
Surplus	$4,500,000	3,357
Undivided profits	$37,375,000	761
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$7,804,000	427
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,476
Income earned, not collected on loans	$1,634,000	2,083
Earning assets	$531,055,000	878
Long-term assets (5+ years)	$86,969,000	1,083
Average Assets, year-to-date	$558,353,000	873
Average Assets, quarterly	$571,344,000	882
Volatile liabilities	$55,732,000	1,608
Insider loans	$5,264,000	919
FHLB advances	$31,751,000	905
Loans and leases held for sale	$0	1,749
Unused loan commitments	$118,215,000	658
Tier 1 (core) risk-based capital	$42,391,000	1,081
Tier 2 risk-based capital	$5,762,000	711
Total risk weighted assets	$460,020,000	758
Total unused commitments	$118,215,000	658
Derivatives	$0	450
2000-12-31		Rank
# of Employees:	227	696
Assets and Liabilities
Total Assets:	$549,840,000	899
Cash and due from depository institutions	$30,461,000	696
Interest-bearing balances	$162,000	4,111
Securities	$93,719,000	1,186
Federal funds sold & reverse repurchase agreements	$7,500,000	1,598
Net loans & leases	$400,280,000	812
Loan loss allowance	$6,609,000	647
Trading account assets	$0	175
Bank premises and fixed assets	$9,564,000	834
Other real estate owned	$463,000	696
Goodwill and other intangibles	$0	3,145
All other assets	$7,853,000	1,236
Life insurance assets	$0	1
Total liabilities and capital	$549,840,000	899
Total liabilities	$506,577,000	887
Total deposits	$471,630,000	813
Interest-bearing deposits	$382,353,000	880
Deposits held in domestic offices	$471,630,000	810
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$2,752,000	2,037
Trading liabilities	$0	77
Other borrowed funds	$25,957,000	1,137
Subordinated debt	$0	239
All other liabilities	$6,238,000	848
Total equity capital	$43,263,000	1,070
Total bank equity capital	$43,263,000	1,070
Perpetual preferred stock	$0	178
Common stock	$600,000	4,068
Surplus	$4,500,000	3,297
Undivided profits	$38,163,000	717
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$1,498,000	1,617
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,385
Income earned, not collected on loans	$1,913,000	1,306
Earning assets	$501,661,000	902
Long-term assets (5+ years)	$105,202,000	866
Average Assets, year-to-date	$528,846,400	889
Average Assets, quarterly	$541,414,500	908
Volatile liabilities	$43,435,000	1,979
Insider loans	$5,957,000	782
FHLB advances	$0	771
Loans and leases held for sale	$392,000	1,016
Unused loan commitments	$116,464,000	644
Tier 1 (core) risk-based capital	$43,981,000	997
Tier 2 risk-based capital	$5,165,260	768
Total risk weighted assets	$411,756,760	826
Total unused commitments	$116,464,000	644
Derivatives	$0	481
1999-12-31		Rank
# of Employees:	205	814
Assets and Liabilities
Total Assets:	$511,434,000	946
Cash and due from depository institutions	$27,256,000	814
Interest-bearing balances	$105,000	4,580
Securities	$112,643,000	1,017
Federal funds sold & reverse repurchase agreements	$5,000,000	1,907
Net loans & leases	$348,077,000	915
Loan loss allowance	$6,261,000	682
Trading account assets	$0	165
Bank premises and fixed assets	$10,410,000	758
Other real estate owned	$470,000	814
Goodwill and other intangibles	$0	3,276
All other assets	$7,578,000	1,282
Life insurance assets	$0	1
Total liabilities and capital	$511,434,000	946
Total liabilities	$474,100,000	931
Total deposits	$448,767,000	833
Interest-bearing deposits	$365,699,000	885
Deposits held in domestic offices	$448,767,000	829
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$3,365,000	2,028
Trading liabilities	$0	65
Other borrowed funds	$16,667,000	1,468
Subordinated debt	$0	242
All other liabilities	$5,301,000	910
Total equity capital	$37,334,000	1,206
Total bank equity capital	$37,334,000	1,206
Perpetual preferred stock	$0	193
Common stock	$600,000	4,195
Surplus	$4,500,000	3,265
Undivided profits	$32,234,000	791
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$1,381,000	1,666
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,502
Income earned, not collected on loans	$1,484,000	1,444
Earning assets	$465,825,000	956
Long-term assets (5+ years)	$117,065,000	840
Average Assets, year-to-date	$484,498,800	956
Average Assets, quarterly	$497,585,000	964
Volatile liabilities	$42,853,000	1,881
Insider loans	$8,164,000	542
FHLB advances	$0	802
Loans and leases held for sale	$86,000	1,358
Unused loan commitments	$75,948,000	877
Tier 1 (core) risk-based capital	$40,103,000	1,093
Tier 2 risk-based capital	$4,807,300	802
Total risk weighted assets	$383,080,600	851
Total unused commitments	$75,948,000	878
Derivatives	$0	488
1998-12-31		Rank
# of Employees:	207	813
Assets and Liabilities
Total Assets:	$469,930,000	998
Cash and due from depository institutions	$25,006,000	813
Interest-bearing balances	$0	6,728
Securities	$109,045,000	1,056
Federal funds sold & reverse repurchase agreements	$5,675,000	3,024
Net loans & leases	$314,518,000	912
Loan loss allowance	$5,877,000	705
Trading account assets	$0	197
Bank premises and fixed assets	$9,542,000	775
Other real estate owned	$191,000	813
Goodwill and other intangibles	$0	3,445
All other assets	$5,953,000	1,339
Life insurance assets	$0	1
Total liabilities and capital	$469,930,000	998
Total liabilities	$431,342,000	978
Total deposits	$418,694,000	879
Interest-bearing deposits	$345,842,000	925
Deposits held in domestic offices	$418,694,000	876
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$2,795,000	1,778
Trading liabilities	$0	69
Other borrowed funds	$5,028,000	2,224
Subordinated debt	$0	255
All other liabilities	$4,825,000	1,010
Total equity capital	$38,588,000	1,162
Total bank equity capital	$38,588,000	1,162
Perpetual preferred stock	$0	199
Common stock	$600,000	4,228
Surplus	$4,500,000	3,121
Undivided profits	$33,488,000	788
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$1,862,000	1,378
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,642
Income earned, not collected on loans	$1,493,000	1,404
Earning assets	$429,238,000	1,001
Long-term assets (5+ years)	$97,757,000	912
Average Assets, year-to-date	$443,810,200	1,005
Average Assets, quarterly	$458,605,000	1,003
Volatile liabilities	$32,417,000	2,022
Insider loans	$5,588,000	737
FHLB advances	$0	740
Loans and leases held for sale	$1,007,000	1,050
Unused loan commitments	$95,500,000	738
Tier 1 (core) risk-based capital	$38,327,000	1,096
Tier 2 risk-based capital	$4,407,480	820
Total risk weighted assets	$345,588,780	863
Total unused commitments	$95,500,000	743
Derivatives	$0	527
1997-12-31		Rank
# of Employees:	194	913
Assets and Liabilities
Total Assets:	$430,373,000	1,100
Cash and due from depository institutions	$22,248,000	913
Interest-bearing balances	$0	6,604
Securities	$77,598,000	1,491
Federal funds sold & reverse repurchase agreements	$4,200,000	3,096
Net loans & leases	$312,999,000	957
Loan loss allowance	$5,900,000	722
Trading account assets	$0	203
Bank premises and fixed assets	$6,618,000	1,169
Other real estate owned	$712,000	913
Goodwill and other intangibles	$0	3,571
All other assets	$5,998,000	1,292
Life insurance assets	$0	1
Total liabilities and capital	$430,373,000	1,100
Total liabilities	$395,341,000	1,083
Total deposits	$374,357,000	1,013
Interest-bearing deposits	$310,962,000	1,035
Deposits held in domestic offices	$374,357,000	1,005
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$7,625,000	1,214
Trading liabilities	$0	80
Other borrowed funds	$7,379,000	1,636
Subordinated debt	$0	260
All other liabilities	$5,980,000	875
Total equity capital	$35,032,000	1,279
Total bank equity capital	$35,032,000	1,279
Perpetual preferred stock	$0	223
Common stock	$600,000	4,375
Surplus	$4,500,000	3,058
Undivided profits	$29,932,000	885
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$1,909,000	1,397
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,731
Income earned, not collected on loans	$1,396,000	1,576
Earning assets	$394,797,000	1,095
Long-term assets (5+ years)	$78,436,000	948
Average Assets, year-to-date	$414,333,800	1,092
Average Assets, quarterly	$424,378,500	1,102
Volatile liabilities	$30,633,000	2,110
Insider loans	$7,234,000	559
FHLB advances	$0	780
Loans and leases held for sale	$1,302,000	734
Unused loan commitments	$90,029,000	709
Tier 1 (core) risk-based capital	$35,016,000	1,200
Tier 2 risk-based capital	$4,143,420	835
Total risk weighted assets	$329,668,220	911
Total unused commitments	$90,029,000	712
Derivatives	$0	533
1996-12-31		Rank
# of Employees:	190	985
Assets and Liabilities
Total Assets:	$397,181,000	1,219
Cash and due from depository institutions	$22,956,000	985
Interest-bearing balances	$1,000,000	2,355
Securities	$97,149,000	1,225
Federal funds sold & reverse repurchase agreements	$3,800,000	3,250
Net loans & leases	$259,364,000	1,163
Loan loss allowance	$5,218,000	842
Trading account assets	$0	240
Bank premises and fixed assets	$6,710,000	1,155
Other real estate owned	$1,274,000	985
Goodwill and other intangibles	$0	3,437
All other assets	$5,928,000	1,396
Life insurance assets	$0	1
Total liabilities and capital	$397,181,000	1,219
Total liabilities	$365,052,000	1,211
Total deposits	$351,845,000	1,114
Interest-bearing deposits	$287,675,000	1,166
Deposits held in domestic offices	$351,845,000	1,106
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$7,943,000	1,295
Trading liabilities	$0	97
Other borrowed funds	$0	5,299
Subordinated debt	$0	298
All other liabilities	$5,264,000	958
Total equity capital	$32,129,000	1,405
Total bank equity capital	$32,129,000	1,405
Perpetual preferred stock	$0	250
Common stock	$600,000	4,663
Surplus	$4,500,000	3,127
Undivided profits	$27,029,000	970
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$3,485,000	973
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,832
Income earned, not collected on loans	$1,230,000	1,795
Earning assets	$361,313,000	1,223
Long-term assets (5+ years)	$65,009,000	1,035
Average Assets, year-to-date	$388,478,400	1,192
Average Assets, quarterly	$391,203,500	1,215
Volatile liabilities	$20,495,000	2,867
Insider loans	$8,607,000	501
FHLB advances	$0	882
Loans and leases held for sale	$0	1,560
Unused loan commitments	$97,954,000	667
Tier 1 (core) risk-based capital	$32,244,000	1,328
Tier 2 risk-based capital	$3,640,780	955
Total risk weighted assets	$289,427,280	1,043
Total unused commitments	$97,954,000	671
Derivatives	$0	549
1995-12-31		Rank
# of Employees:	182	1,056
Assets and Liabilities
Total Assets:	$387,543,000	1,243
Cash and due from depository institutions	$19,944,000	1,056
Interest-bearing balances	$0	6,853
Securities	$93,096,000	1,340
Federal funds sold & reverse repurchase agreements	$24,700,000	608
Net loans & leases	$238,081,000	1,240
Loan loss allowance	$4,506,000	975
Trading account assets	$0	261
Bank premises and fixed assets	$5,474,000	1,419
Other real estate owned	$1,447,000	1,056
Goodwill and other intangibles	$0	3,181
All other assets	$4,801,000	1,678
Life insurance assets	$0	1
Total liabilities and capital	$387,543,000	1,243
Total liabilities	$357,709,000	1,231
Total deposits	$343,952,000	1,156
Interest-bearing deposits	$280,533,000	1,215
Deposits held in domestic offices	$343,952,000	1,144
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$8,858,000	1,195
Trading liabilities	$0	110
Other borrowed funds	$0	5,136
Subordinated debt	$0	337
All other liabilities	$4,899,000	1,057
Total equity capital	$29,834,000	1,518
Total bank equity capital	$29,834,000	1,518
Perpetual preferred stock	$0	288
Common stock	$600,000	4,909
Surplus	$4,500,000	3,118
Undivided profits	$24,734,000	1,053
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$1,145,000	2,369
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,782
Income earned, not collected on loans	$1,159,000	1,971
Earning assets	$355,877,000	1,238
Long-term assets (5+ years)	$42,447,000	1,355
Average Assets, year-to-date	$363,754,800	1,272
Average Assets, quarterly	$376,888,500	1,261
Volatile liabilities	$20,780,000	2,552
Insider loans	$8,731,000	503
FHLB advances	$0	855
Loans and leases held for sale	$160,000	1,331
Unused loan commitments	$73,087,000	831
Tier 1 (core) risk-based capital	$29,690,000	1,455
Tier 2 risk-based capital	$3,484,560	991
Total risk weighted assets	$277,476,060	1,061
Total unused commitments	$73,087,000	836
Derivatives	$0	628
1994-12-31		Rank
# of Employees:	169	1,151
Assets and Liabilities
Total Assets:	$347,458,000	1,354
Cash and due from depository institutions	$19,762,000	1,151
Interest-bearing balances	$0	7,034
Securities	$78,016,000	1,675
Federal funds sold & reverse repurchase agreements	$2,000,000	3,726
Net loans & leases	$235,823,000	1,214
Loan loss allowance	$3,303,000	1,280
Trading account assets	$0	286
Bank premises and fixed assets	$4,777,000	1,553
Other real estate owned	$1,565,000	1,151
Goodwill and other intangibles	$0	3,133
All other assets	$5,515,000	1,554
Life insurance assets	$0	1
Total liabilities and capital	$347,458,000	1,354
Total liabilities	$319,894,000	1,329
Total deposits	$305,574,000	1,237
Interest-bearing deposits	$247,638,000	1,325
Deposits held in domestic offices	$305,574,000	1,227
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$10,499,000	1,247
Trading liabilities	$0	87
Other borrowed funds	$0	5,375
Subordinated debt	$0	372
All other liabilities	$3,821,000	1,097
Total equity capital	$27,564,000	1,492
Total bank equity capital	$27,564,000	1,492
Perpetual preferred stock	$0	310
Common stock	$600,000	5,160
Surplus	$4,500,000	3,026
Undivided profits	$22,464,000	1,045
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$3,320,000	1,092
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,752
Income earned, not collected on loans	$1,022,000	1,934
Earning assets	$315,839,000	1,346
Long-term assets (5+ years)	$40,074,000	1,419
Average Assets, year-to-date	$345,775,800	1,313
Average Assets, quarterly	$346,271,000	1,351
Volatile liabilities	$21,318,000	2,409
Insider loans	$8,177,000	539
FHLB advances	$0	993
Loans and leases held for sale	$0	1,430
Unused loan commitments	$69,767,000	794
Tier 1 (core) risk-based capital	$28,877,000	1,432
Tier 2 risk-based capital	$3,303,000	1,023
Total risk weighted assets	$264,790,700	1,089
Total unused commitments	$69,767,000	803
Derivatives	$0	687
1993-12-31		Rank
# of Employees:	165	1,253
Assets and Liabilities
Total Assets:	$350,528,000	1,347
Cash and due from depository institutions	$20,184,000	1,253
Interest-bearing balances	$0	7,655
Securities	$92,337,000	1,478
Federal funds sold & reverse repurchase agreements	$11,080,000	1,213
Net loans & leases	$218,594,000	1,269
Loan loss allowance	$2,839,000	1,538
Trading account assets	$0	330
Bank premises and fixed assets	$4,562,000	1,604
Other real estate owned	$0	1,253
Goodwill and other intangibles	$0	3,091
All other assets	$3,771,000	1,983
Life insurance assets	$0	1
Total liabilities and capital	$350,528,000	1,347
Total liabilities	$323,390,000	1,349
Total deposits	$307,618,000	1,292
Interest-bearing deposits	$255,239,000	1,352
Deposits held in domestic offices	$307,618,000	1,281
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$10,618,000	1,046
Trading liabilities	$0	1
Other borrowed funds	$0	5,027
Subordinated debt	$0	413
All other liabilities	$5,154,000	926
Total equity capital	$27,138,000	1,520
Total bank equity capital	$27,138,000	1,520
Perpetual preferred stock	$0	343
Common stock	$600,000	5,380
Surplus	$4,500,000	2,962
Undivided profits	$22,038,000	1,067
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$3,876,000	1,172
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1,950
Income earned, not collected on loans	$882,000	1,998
Earning assets	$322,011,000	1,346
Long-term assets (5+ years)	$48,218,000	1,239
Average Assets, year-to-date	$332,366,800	1,390
Average Assets, quarterly	$348,556,000	1,353
Volatile liabilities	$18,932,000	2,508
Insider loans	$6,113,000	682
FHLB advances	$0	821
Loans and leases held for sale	$1,339,000	937
Unused loan commitments	$59,480,000	877
Tier 1 (core) risk-based capital	$27,138,000	1,479
Tier 2 risk-based capital	$2,839,000	1,150
Total risk weighted assets	$260,331,800	1,088
Total unused commitments	$59,480,000	896
Derivatives	$0	714
1992-12-31		Rank
# of Employees:	157	1,379
Assets and Liabilities
Total Assets:	$314,728,000	1,550
Cash and due from depository institutions	$21,621,000	1,379
Interest-bearing balances	$1,030,000	3,741
Securities	$66,058,000	2,047
Federal funds sold & reverse repurchase agreements	$8,500,000	1,936
Net loans & leases	$210,575,000	1,371
Loan loss allowance	$2,300,000	1,887
Trading account assets	$0	344
Bank premises and fixed assets	$4,814,000	1,518
Other real estate owned	$90,000	1,379
Goodwill and other intangibles	$0	3,106
All other assets	$3,070,000	2,477
Life insurance assets	$0	1
Total liabilities and capital	$314,728,000	1,550
Total liabilities	$290,040,000	1,550
Total deposits	$274,603,000	1,531
Interest-bearing deposits	$229,956,000	1,582
Deposits held in domestic offices	$274,603,000	1,518
% insured	0.00%	1
Federal funds purchased & repurchase agreements	$10,257,000	987
Trading liabilities	$0	1
Other borrowed funds	$0	5,085
Subordinated debt	$0	482
All other liabilities	$5,180,000	922
Total equity capital	$24,688,000	1,561
Total bank equity capital	$24,688,000	1,561
Perpetual preferred stock	$0	346
Common stock	$600,000	5,656
Surplus	$4,500,000	2,841
Undivided profits	$19,588,000	1,110
Noncontrolling interests in consolidated subsidiaries	$0	1
Memoranda
Noncurrent loans and leases	$3,311,000	1,566
Noncurrent loans that are wholly or partially guaranteed by the U.S. government	$0	1
Income earned, not collected on loans	$983,000	2,010
Earning assets	$286,163,000	1,546
Long-term assets (5+ years)	$39,299,000	1,463
Average Assets, year-to-date	$306,218,600	1,554
Average Assets, quarterly	$313,302,500	1,545
Volatile liabilities	$18,175,000	2,546
Insider loans	$675,000	1,338
FHLB advances	$0	832
Loans and leases held for sale	$336,000	974
Unused loan commitments	$58,611,000	856
Tier 1 (core) risk-based capital	$24,688,000	1,531
Tier 2 risk-based capital	$2,300,000	1,409
Total risk weighted assets	$248,588,300	1,173
Total unused commitments	$58,611,000	873
Derivatives	$0	651