Home > Independent Bank-West Michigan > Assets and Liabilities
Independent Bank-West Michigan, Assets and Liabilities
| 2007-06-30 | Rank | |
| # of Employees: | 243 | 670 |
| Assets and Liabilities | ||
| Total Assets: | $769,303,000 | 872 |
| Cash and due from depository institutions | $18,971,000 | 670 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $55,467,000 | 2,064 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,299 |
| Net loans & leases | $645,834,000 | 726 |
| Loan loss allowance | $12,554,000 | 436 |
| Trading account assets | $0 | 245 |
| Bank premises and fixed assets | $14,908,000 | 790 |
| Other real estate owned | $1,225,000 | 670 |
| Goodwill and other intangibles | $9,929,000 | 657 |
| All other assets | $22,969,000 | 852 |
| Life insurance assets | $9,000,000 | 699 |
| Total liabilities and capital | $769,303,000 | 872 |
| Total liabilities | $708,591,000 | 844 |
| Total deposits | $655,699,000 | 780 |
| Interest-bearing deposits | $568,015,000 | 796 |
| Deposits held in domestic offices | $655,699,000 | 777 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $43,083,000 | 519 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $5,266,000 | 3,294 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $4,543,000 | 1,246 |
| Total equity capital | $60,712,000 | 1,115 |
| Total bank equity capital | $60,712,000 | 1,115 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $2,575,000 | 1,637 |
| Surplus | $34,995,000 | 875 |
| Undivided profits | $23,142,000 | 1,574 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $15,575,000 | 294 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,127 |
| Income earned, not collected on loans | $4,255,000 | 924 |
| Earning assets | $701,301,000 | 878 |
| Long-term assets (5+ years) | $169,931,000 | 690 |
| Average Assets, year-to-date | $774,465,330 | 854 |
| Average Assets, quarterly | $771,486,000 | 864 |
| Volatile liabilities | $73,460,000 | 1,850 |
| Insider loans | $4,710,000 | 1,560 |
| FHLB advances | $3,250,000 | 3,748 |
| Loans and leases held for sale | $15,635,000 | 199 |
| Unused loan commitments | $65,096,000 | 1,490 |
| Tier 1 (core) risk-based capital | $57,130,000 | 1,110 |
| Tier 2 risk-based capital | $8,262,000 | 688 |
| Total risk weighted assets | $644,741,000 | 773 |
| Total unused commitments | $65,096,000 | 1,491 |
| Derivatives | $230,138,000 | 150 |
| 2007-03-31 | Rank | |
| # of Employees: | 258 | 606 |
| Assets and Liabilities | ||
| Total Assets: | $773,669,000 | 859 |
| Cash and due from depository institutions | $17,654,000 | 606 |
| Interest-bearing balances | $0 | 6,642 |
| Securities | $55,136,000 | 2,093 |
| Federal funds sold & reverse repurchase agreements | $4,460,000 | 3,584 |
| Net loans & leases | $649,559,000 | 696 |
| Loan loss allowance | $9,057,000 | 585 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $15,310,000 | 741 |
| Other real estate owned | $859,000 | 606 |
| Goodwill and other intangibles | $9,815,000 | 653 |
| All other assets | $20,876,000 | 888 |
| Life insurance assets | $8,905,000 | 690 |
| Total liabilities and capital | $773,669,000 | 859 |
| Total liabilities | $710,778,000 | 838 |
| Total deposits | $677,483,000 | 753 |
| Interest-bearing deposits | $591,786,000 | 744 |
| Deposits held in domestic offices | $677,483,000 | 751 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $23,000,000 | 733 |
| Trading liabilities | $0 | 89 |
| Other borrowed funds | $5,204,000 | 3,257 |
| Subordinated debt | $0 | 262 |
| All other liabilities | $5,091,000 | 1,134 |
| Total equity capital | $62,891,000 | 1,059 |
| Total bank equity capital | $62,891,000 | 1,059 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $2,575,000 | 1,624 |
| Surplus | $34,995,000 | 855 |
| Undivided profits | $25,321,000 | 1,481 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $13,152,000 | 294 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,132 |
| Income earned, not collected on loans | $3,905,000 | 986 |
| Earning assets | $709,155,000 | 857 |
| Long-term assets (5+ years) | $169,127,000 | 667 |
| Average Assets, year-to-date | $777,046,500 | 849 |
| Average Assets, quarterly | $777,046,500 | 849 |
| Volatile liabilities | $52,085,000 | 2,413 |
| Insider loans | $5,166,000 | 1,390 |
| FHLB advances | $3,250,000 | 3,688 |
| Loans and leases held for sale | $14,646,000 | 204 |
| Unused loan commitments | $63,033,000 | 1,532 |
| Tier 1 (core) risk-based capital | $58,659,000 | 1,058 |
| Tier 2 risk-based capital | $8,200,000 | 668 |
| Total risk weighted assets | $644,245,000 | 754 |
| Total unused commitments | $63,033,000 | 1,533 |
| Derivatives | $216,697,000 | 152 |
| 2006-12-31 | Rank | |
| # of Employees: | 261 | 603 |
| Assets and Liabilities | ||
| Total Assets: | $780,424,000 | 840 |
| Cash and due from depository institutions | $21,257,000 | 603 |
| Interest-bearing balances | $0 | 6,658 |
| Securities | $56,713,000 | 2,079 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,403 |
| Net loans & leases | $654,899,000 | 694 |
| Loan loss allowance | $7,704,000 | 662 |
| Trading account assets | $0 | 156 |
| Bank premises and fixed assets | $15,327,000 | 714 |
| Other real estate owned | $941,000 | 603 |
| Goodwill and other intangibles | $9,841,000 | 637 |
| All other assets | $21,446,000 | 871 |
| Life insurance assets | $8,809,000 | 676 |
| Total liabilities and capital | $780,424,000 | 840 |
| Total liabilities | $716,130,000 | 817 |
| Total deposits | $670,913,000 | 741 |
| Interest-bearing deposits | $573,703,000 | 753 |
| Deposits held in domestic offices | $670,913,000 | 738 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $23,230,000 | 745 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $16,996,000 | 1,899 |
| Subordinated debt | $0 | 264 |
| All other liabilities | $4,991,000 | 1,138 |
| Total equity capital | $64,294,000 | 1,018 |
| Total bank equity capital | $64,294,000 | 1,018 |
| Perpetual preferred stock | $0 | 112 |
| Common stock | $2,575,000 | 1,614 |
| Surplus | $34,995,000 | 838 |
| Undivided profits | $26,724,000 | 1,376 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $11,732,000 | 306 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,087 |
| Income earned, not collected on loans | $4,281,000 | 905 |
| Earning assets | $711,612,000 | 843 |
| Long-term assets (5+ years) | $161,017,000 | 694 |
| Average Assets, year-to-date | $746,276,800 | 846 |
| Average Assets, quarterly | $768,663,500 | 848 |
| Volatile liabilities | $269,314,000 | 621 |
| Insider loans | $5,086,000 | 1,417 |
| FHLB advances | $15,250,000 | 1,906 |
| Loans and leases held for sale | $16,106,000 | 193 |
| Unused loan commitments | $67,258,000 | 1,448 |
| Tier 1 (core) risk-based capital | $59,969,000 | 1,011 |
| Tier 2 risk-based capital | $8,103,000 | 669 |
| Total risk weighted assets | $643,077,000 | 744 |
| Total unused commitments | $67,258,000 | 1,449 |
| Derivatives | $220,174,000 | 151 |
| 2006-09-30 | Rank | |
| # of Employees: | 262 | 607 |
| Assets and Liabilities | ||
| Total Assets: | $756,903,000 | 868 |
| Cash and due from depository institutions | $18,833,000 | 607 |
| Interest-bearing balances | $0 | 6,705 |
| Securities | $57,454,000 | 2,078 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,029 |
| Net loans & leases | $634,732,000 | 710 |
| Loan loss allowance | $7,375,000 | 708 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $14,597,000 | 737 |
| Other real estate owned | $618,000 | 607 |
| Goodwill and other intangibles | $9,847,000 | 630 |
| All other assets | $20,822,000 | 892 |
| Life insurance assets | $8,716,000 | 659 |
| Total liabilities and capital | $756,903,000 | 868 |
| Total liabilities | $693,382,000 | 844 |
| Total deposits | $668,615,000 | 744 |
| Interest-bearing deposits | $580,863,000 | 743 |
| Deposits held in domestic offices | $668,615,000 | 742 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $13,608,000 | 1,010 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $4,945,000 | 3,697 |
| Subordinated debt | $0 | 269 |
| All other liabilities | $6,214,000 | 936 |
| Total equity capital | $63,521,000 | 1,038 |
| Total bank equity capital | $63,521,000 | 1,038 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $2,575,000 | 1,607 |
| Surplus | $34,995,000 | 834 |
| Undivided profits | $25,951,000 | 1,422 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $7,936,000 | 396 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,131 |
| Income earned, not collected on loans | $4,130,000 | 937 |
| Earning assets | $692,186,000 | 873 |
| Long-term assets (5+ years) | $162,443,000 | 701 |
| Average Assets, year-to-date | $737,740,000 | 860 |
| Average Assets, quarterly | $742,630,500 | 872 |
| Volatile liabilities | $246,266,000 | 694 |
| Insider loans | $4,905,000 | 1,451 |
| FHLB advances | $3,250,000 | 4,006 |
| Loans and leases held for sale | $11,273,000 | 232 |
| Unused loan commitments | $64,587,000 | 1,516 |
| Tier 1 (core) risk-based capital | $59,023,000 | 1,032 |
| Tier 2 risk-based capital | $7,831,000 | 695 |
| Total risk weighted assets | $624,562,000 | 770 |
| Total unused commitments | $64,587,000 | 1,516 |
| Derivatives | $221,400,000 | 153 |
| 2006-06-30 | Rank | |
| # of Employees: | 277 | 574 |
| Assets and Liabilities | ||
| Total Assets: | $728,358,000 | 893 |
| Cash and due from depository institutions | $15,234,000 | 574 |
| Interest-bearing balances | $0 | 6,732 |
| Securities | $56,204,000 | 2,099 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,870 |
| Net loans & leases | $612,172,000 | 728 |
| Loan loss allowance | $6,777,000 | 754 |
| Trading account assets | $0 | 157 |
| Bank premises and fixed assets | $14,677,000 | 715 |
| Other real estate owned | $489,000 | 574 |
| Goodwill and other intangibles | $9,821,000 | 616 |
| All other assets | $19,761,000 | 932 |
| Life insurance assets | $8,629,000 | 657 |
| Total liabilities and capital | $728,358,000 | 893 |
| Total liabilities | $666,645,000 | 870 |
| Total deposits | $651,502,000 | 745 |
| Interest-bearing deposits | $559,327,000 | 753 |
| Deposits held in domestic offices | $651,502,000 | 743 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,383,000 | 2,304 |
| Trading liabilities | $0 | 73 |
| Other borrowed funds | $3,943,000 | 4,023 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $8,817,000 | 693 |
| Total equity capital | $61,713,000 | 1,040 |
| Total bank equity capital | $61,713,000 | 1,040 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $2,575,000 | 1,602 |
| Surplus | $34,995,000 | 821 |
| Undivided profits | $24,143,000 | 1,445 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,764,000 | 580 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,150 |
| Income earned, not collected on loans | $3,624,000 | 976 |
| Earning assets | $668,376,000 | 887 |
| Long-term assets (5+ years) | $153,273,000 | 716 |
| Average Assets, year-to-date | $731,352,330 | 864 |
| Average Assets, quarterly | $728,101,500 | 878 |
| Volatile liabilities | $229,814,000 | 722 |
| Insider loans | $7,897,000 | 869 |
| FHLB advances | $3,250,000 | 4,032 |
| Loans and leases held for sale | $14,302,000 | 207 |
| Unused loan commitments | $65,405,000 | 1,503 |
| Tier 1 (core) risk-based capital | $57,338,000 | 1,028 |
| Tier 2 risk-based capital | $7,289,000 | 729 |
| Total risk weighted assets | $602,891,000 | 773 |
| Total unused commitments | $65,405,000 | 1,504 |
| Derivatives | $228,070,000 | 154 |
| 2006-03-31 | Rank | |
| # of Employees: | 270 | 578 |
| Assets and Liabilities | ||
| Total Assets: | $727,845,000 | 872 |
| Cash and due from depository institutions | $18,164,000 | 578 |
| Interest-bearing balances | $0 | 6,770 |
| Securities | $56,414,000 | 2,119 |
| Federal funds sold & reverse repurchase agreements | $6,000,000 | 2,302 |
| Net loans & leases | $603,371,000 | 713 |
| Loan loss allowance | $6,668,000 | 754 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $14,490,000 | 711 |
| Other real estate owned | $602,000 | 578 |
| Goodwill and other intangibles | $9,786,000 | 594 |
| All other assets | $19,018,000 | 935 |
| Life insurance assets | $8,543,000 | 642 |
| Total liabilities and capital | $727,845,000 | 872 |
| Total liabilities | $666,199,000 | 845 |
| Total deposits | $645,130,000 | 744 |
| Interest-bearing deposits | $554,594,000 | 749 |
| Deposits held in domestic offices | $645,130,000 | 742 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $8,430,000 | 1,253 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $4,570,000 | 3,711 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $8,069,000 | 727 |
| Total equity capital | $61,646,000 | 1,028 |
| Total bank equity capital | $61,646,000 | 1,028 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $2,575,000 | 1,590 |
| Surplus | $34,995,000 | 798 |
| Undivided profits | $24,076,000 | 1,456 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,280,000 | 802 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,164 |
| Income earned, not collected on loans | $3,466,000 | 942 |
| Earning assets | $665,785,000 | 874 |
| Long-term assets (5+ years) | $139,075,000 | 763 |
| Average Assets, year-to-date | $732,849,500 | 859 |
| Average Assets, quarterly | $732,849,500 | 859 |
| Volatile liabilities | $225,010,000 | 705 |
| Insider loans | $8,553,000 | 774 |
| FHLB advances | $3,950,000 | 3,786 |
| Loans and leases held for sale | $12,899,000 | 210 |
| Unused loan commitments | $64,975,000 | 1,489 |
| Tier 1 (core) risk-based capital | $56,961,000 | 1,024 |
| Tier 2 risk-based capital | $7,168,000 | 712 |
| Total risk weighted assets | $593,506,000 | 770 |
| Total unused commitments | $64,975,000 | 1,489 |
| Derivatives | $216,271,000 | 150 |
| 2005-12-31 | Rank | |
| # of Employees: | 270 | 578 |
| Assets and Liabilities | ||
| Total Assets: | $737,854,000 | 847 |
| Cash and due from depository institutions | $23,432,000 | 578 |
| Interest-bearing balances | $0 | 6,803 |
| Securities | $58,690,000 | 2,052 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,145 |
| Net loans & leases | $612,290,000 | 699 |
| Loan loss allowance | $6,794,000 | 723 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $14,486,000 | 692 |
| Other real estate owned | $470,000 | 578 |
| Goodwill and other intangibles | $9,795,000 | 584 |
| All other assets | $18,691,000 | 944 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $737,854,000 | 847 |
| Total liabilities | $674,995,000 | 828 |
| Total deposits | $617,433,000 | 760 |
| Interest-bearing deposits | $528,601,000 | 772 |
| Deposits held in domestic offices | $617,433,000 | 758 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $21,719,000 | 749 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $29,332,000 | 1,369 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $6,511,000 | 825 |
| Total equity capital | $62,859,000 | 976 |
| Total bank equity capital | $62,859,000 | 976 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $2,575,000 | 1,577 |
| Surplus | $34,995,000 | 776 |
| Undivided profits | $25,289,000 | 1,391 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,667,000 | 564 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $3,695,000 | 886 |
| Earning assets | $670,980,000 | 846 |
| Long-term assets (5+ years) | $134,257,000 | 770 |
| Average Assets, year-to-date | $643,956,400 | 922 |
| Average Assets, quarterly | $739,520,000 | 832 |
| Volatile liabilities | $255,870,000 | 623 |
| Insider loans | $8,503,000 | 757 |
| FHLB advances | $28,250,000 | 1,299 |
| Loans and leases held for sale | $10,598,000 | 241 |
| Unused loan commitments | $71,104,000 | 1,325 |
| Tier 1 (core) risk-based capital | $57,979,000 | 987 |
| Tier 2 risk-based capital | $7,234,000 | 699 |
| Total risk weighted assets | $605,797,000 | 754 |
| Total unused commitments | $71,104,000 | 1,325 |
| Derivatives | $194,317,000 | 158 |
| 2005-09-30 | Rank | |
| # of Employees: | 263 | 588 |
| Assets and Liabilities | ||
| Total Assets: | $741,186,000 | 814 |
| Cash and due from depository institutions | $26,865,000 | 588 |
| Interest-bearing balances | $0 | 6,835 |
| Securities | $58,555,000 | 2,047 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,951 |
| Net loans & leases | $613,817,000 | 672 |
| Loan loss allowance | $7,253,000 | 676 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $13,839,000 | 719 |
| Other real estate owned | $389,000 | 588 |
| Goodwill and other intangibles | $9,759,000 | 562 |
| All other assets | $17,962,000 | 951 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $741,186,000 | 814 |
| Total liabilities | $679,755,000 | 800 |
| Total deposits | $611,388,000 | 741 |
| Interest-bearing deposits | $513,492,000 | 766 |
| Deposits held in domestic offices | $611,388,000 | 740 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $29,363,000 | 619 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $34,302,000 | 1,211 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $4,702,000 | 1,026 |
| Total equity capital | $61,431,000 | 986 |
| Total bank equity capital | $61,431,000 | 986 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $2,575,000 | 1,548 |
| Surplus | $34,995,000 | 753 |
| Undivided profits | $23,861,000 | 1,466 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $8,796,000 | 328 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $3,341,000 | 922 |
| Earning assets | $672,372,000 | 822 |
| Long-term assets (5+ years) | $152,869,000 | 665 |
| Average Assets, year-to-date | $620,482,000 | 947 |
| Average Assets, quarterly | $724,096,500 | 828 |
| Volatile liabilities | $246,473,000 | 617 |
| Insider loans | $8,790,000 | 705 |
| FHLB advances | $33,250,000 | 1,150 |
| Loans and leases held for sale | $17,428,000 | 204 |
| Unused loan commitments | $59,567,000 | 1,531 |
| Tier 1 (core) risk-based capital | $55,836,000 | 1,003 |
| Tier 2 risk-based capital | $7,607,000 | 650 |
| Total risk weighted assets | $608,513,000 | 730 |
| Total unused commitments | $59,567,000 | 1,532 |
| Derivatives | $184,188,000 | 167 |
| 2005-06-30 | Rank | |
| # of Employees: | 262 | 595 |
| Assets and Liabilities | ||
| Total Assets: | $707,007,000 | 839 |
| Cash and due from depository institutions | $21,626,000 | 595 |
| Interest-bearing balances | $0 | 6,834 |
| Securities | $63,059,000 | 1,910 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,776 |
| Net loans & leases | $580,979,000 | 699 |
| Loan loss allowance | $6,615,000 | 727 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $13,920,000 | 695 |
| Other real estate owned | $667,000 | 595 |
| Goodwill and other intangibles | $9,612,000 | 563 |
| All other assets | $17,144,000 | 982 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $707,007,000 | 839 |
| Total liabilities | $646,340,000 | 822 |
| Total deposits | $556,849,000 | 808 |
| Interest-bearing deposits | $470,737,000 | 807 |
| Deposits held in domestic offices | $556,849,000 | 807 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $42,628,000 | 490 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $42,308,000 | 1,043 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $4,555,000 | 991 |
| Total equity capital | $60,667,000 | 978 |
| Total bank equity capital | $60,667,000 | 978 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $2,575,000 | 1,529 |
| Surplus | $34,995,000 | 732 |
| Undivided profits | $23,097,000 | 1,499 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $7,425,000 | 379 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $3,302,000 | 858 |
| Earning assets | $644,038,000 | 847 |
| Long-term assets (5+ years) | $138,338,000 | 733 |
| Average Assets, year-to-date | $580,247,330 | 993 |
| Average Assets, quarterly | $616,050,500 | 957 |
| Volatile liabilities | $223,655,000 | 668 |
| Insider loans | $4,154,000 | 1,533 |
| FHLB advances | $41,250,000 | 988 |
| Loans and leases held for sale | $19,538,000 | 190 |
| Unused loan commitments | $61,944,000 | 1,438 |
| Tier 1 (core) risk-based capital | $54,789,000 | 997 |
| Tier 2 risk-based capital | $7,052,000 | 685 |
| Total risk weighted assets | $578,767,000 | 747 |
| Total unused commitments | $61,944,000 | 1,438 |
| Derivatives | $144,922,000 | 175 |
| 2005-03-31 | Rank | |
| # of Employees: | 192 | 819 |
| Assets and Liabilities | ||
| Total Assets: | $525,094,000 | 1,113 |
| Cash and due from depository institutions | $7,837,000 | 819 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $61,758,000 | 2,000 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,340 |
| Net loans & leases | $421,721,000 | 930 |
| Loan loss allowance | $4,278,000 | 1,099 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $12,184,000 | 799 |
| Other real estate owned | $908,000 | 819 |
| Goodwill and other intangibles | $4,809,000 | 797 |
| All other assets | $15,877,000 | 1,030 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $525,094,000 | 1,113 |
| Total liabilities | $482,794,000 | 1,091 |
| Total deposits | $408,103,000 | 1,104 |
| Interest-bearing deposits | $349,461,000 | 1,104 |
| Deposits held in domestic offices | $408,103,000 | 1,101 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $40,160,000 | 507 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $29,967,000 | 1,304 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $4,564,000 | 1,003 |
| Total equity capital | $42,300,000 | 1,362 |
| Total bank equity capital | $42,300,000 | 1,362 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $2,575,000 | 1,528 |
| Surplus | $19,245,000 | 1,207 |
| Undivided profits | $20,480,000 | 1,619 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,508,000 | 1,048 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $2,306,000 | 1,226 |
| Earning assets | $483,479,000 | 1,114 |
| Long-term assets (5+ years) | $105,644,000 | 974 |
| Average Assets, year-to-date | $516,867,500 | 1,120 |
| Average Assets, quarterly | $516,867,500 | 1,120 |
| Volatile liabilities | $174,097,000 | 776 |
| Insider loans | $3,504,000 | 1,748 |
| FHLB advances | $29,250,000 | 1,235 |
| Loans and leases held for sale | $14,092,000 | 220 |
| Unused loan commitments | $52,395,000 | 1,580 |
| Tier 1 (core) risk-based capital | $40,839,000 | 1,322 |
| Tier 2 risk-based capital | $4,761,000 | 966 |
| Total risk weighted assets | $418,729,000 | 965 |
| Total unused commitments | $52,395,000 | 1,580 |
| Derivatives | $129,492,000 | 166 |
| 2004-12-31 | Rank | |
| # of Employees: | 199 | 796 |
| Assets and Liabilities | ||
| Total Assets: | $508,641,000 | 1,141 |
| Cash and due from depository institutions | $15,469,000 | 796 |
| Interest-bearing balances | $0 | 6,872 |
| Securities | $62,981,000 | 1,976 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,164 |
| Net loans & leases | $397,713,000 | 983 |
| Loan loss allowance | $4,367,000 | 1,070 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $11,751,000 | 829 |
| Other real estate owned | $731,000 | 796 |
| Goodwill and other intangibles | $4,503,000 | 825 |
| All other assets | $15,493,000 | 1,032 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $508,641,000 | 1,141 |
| Total liabilities | $470,541,000 | 1,106 |
| Total deposits | $384,351,000 | 1,166 |
| Interest-bearing deposits | $325,305,000 | 1,190 |
| Deposits held in domestic offices | $384,351,000 | 1,163 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $39,446,000 | 516 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $43,365,000 | 1,007 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $3,379,000 | 1,263 |
| Total equity capital | $38,100,000 | 1,499 |
| Total bank equity capital | $38,100,000 | 1,499 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $2,575,000 | 1,510 |
| Surplus | $17,745,000 | 1,283 |
| Undivided profits | $17,780,000 | 1,870 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,105,000 | 1,258 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $2,238,000 | 1,232 |
| Earning assets | $460,694,000 | 1,157 |
| Long-term assets (5+ years) | $110,758,000 | 944 |
| Average Assets, year-to-date | $482,637,400 | 1,139 |
| Average Assets, quarterly | $500,559,000 | 1,140 |
| Volatile liabilities | $173,045,000 | 759 |
| Insider loans | $2,880,000 | 2,073 |
| FHLB advances | $42,250,000 | 936 |
| Loans and leases held for sale | $13,890,000 | 214 |
| Unused loan commitments | $52,778,000 | 1,512 |
| Tier 1 (core) risk-based capital | $36,824,000 | 1,451 |
| Tier 2 risk-based capital | $4,616,000 | 999 |
| Total risk weighted assets | $395,527,000 | 1,027 |
| Total unused commitments | $52,778,000 | 1,512 |
| Derivatives | $116,117,000 | 174 |
| 2004-09-30 | Rank | |
| # of Employees: | 180 | 892 |
| Assets and Liabilities | ||
| Total Assets: | $492,477,000 | 1,159 |
| Cash and due from depository institutions | $6,260,000 | 892 |
| Interest-bearing balances | $0 | 6,935 |
| Securities | $63,779,000 | 1,938 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,928 |
| Net loans & leases | $391,136,000 | 966 |
| Loan loss allowance | $4,217,000 | 1,108 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $10,821,000 | 885 |
| Other real estate owned | $1,131,000 | 892 |
| Goodwill and other intangibles | $4,426,000 | 812 |
| All other assets | $14,924,000 | 1,034 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $492,477,000 | 1,159 |
| Total liabilities | $455,558,000 | 1,130 |
| Total deposits | $396,003,000 | 1,107 |
| Interest-bearing deposits | $340,921,000 | 1,104 |
| Deposits held in domestic offices | $396,003,000 | 1,103 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $30,715,000 | 588 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $24,711,000 | 1,498 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $4,129,000 | 1,064 |
| Total equity capital | $36,919,000 | 1,535 |
| Total bank equity capital | $36,919,000 | 1,535 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $2,575,000 | 1,501 |
| Surplus | $17,745,000 | 1,239 |
| Undivided profits | $16,599,000 | 1,986 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,762,000 | 1,569 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $2,160,000 | 1,324 |
| Earning assets | $454,915,000 | 1,156 |
| Long-term assets (5+ years) | $116,282,000 | 910 |
| Average Assets, year-to-date | $476,136,500 | 1,150 |
| Average Assets, quarterly | $485,095,500 | 1,161 |
| Volatile liabilities | $157,552,000 | 793 |
| Insider loans | $4,519,000 | 1,295 |
| FHLB advances | $24,250,000 | 1,414 |
| Loans and leases held for sale | $15,743,000 | 200 |
| Unused loan commitments | $52,932,000 | 1,506 |
| Tier 1 (core) risk-based capital | $35,696,000 | 1,482 |
| Tier 2 risk-based capital | $4,430,000 | 1,020 |
| Total risk weighted assets | $383,789,000 | 1,034 |
| Total unused commitments | $52,932,000 | 1,507 |
| Derivatives | $117,484,000 | 176 |
| 2004-06-30 | Rank | |
| # of Employees: | 186 | 859 |
| Assets and Liabilities | ||
| Total Assets: | $477,714,000 | 1,178 |
| Cash and due from depository institutions | $8,505,000 | 859 |
| Interest-bearing balances | $0 | 6,951 |
| Securities | $61,316,000 | 2,044 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,884 |
| Net loans & leases | $375,394,000 | 988 |
| Loan loss allowance | $4,269,000 | 1,086 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $10,871,000 | 853 |
| Other real estate owned | $1,525,000 | 859 |
| Goodwill and other intangibles | $4,463,000 | 791 |
| All other assets | $15,640,000 | 1,000 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $477,714,000 | 1,178 |
| Total liabilities | $441,958,000 | 1,153 |
| Total deposits | $368,674,000 | 1,186 |
| Interest-bearing deposits | $311,382,000 | 1,211 |
| Deposits held in domestic offices | $368,674,000 | 1,182 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $32,368,000 | 561 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $37,919,000 | 1,109 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $2,997,000 | 1,292 |
| Total equity capital | $35,756,000 | 1,519 |
| Total bank equity capital | $35,756,000 | 1,519 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $2,575,000 | 1,501 |
| Surplus | $17,745,000 | 1,207 |
| Undivided profits | $15,436,000 | 2,001 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,583,000 | 1,751 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $2,129,000 | 1,262 |
| Earning assets | $436,710,000 | 1,181 |
| Long-term assets (5+ years) | $121,124,000 | 905 |
| Average Assets, year-to-date | $470,689,670 | 1,156 |
| Average Assets, quarterly | $472,918,000 | 1,169 |
| Volatile liabilities | $139,415,000 | 844 |
| Insider loans | $3,461,000 | 1,671 |
| FHLB advances | $37,350,000 | 1,025 |
| Loans and leases held for sale | $14,151,000 | 218 |
| Unused loan commitments | $41,079,000 | 1,813 |
| Tier 1 (core) risk-based capital | $35,515,000 | 1,457 |
| Tier 2 risk-based capital | $4,429,000 | 1,014 |
| Total risk weighted assets | $366,346,000 | 1,059 |
| Total unused commitments | $41,079,000 | 1,818 |
| Derivatives | $97,660,000 | 187 |
| 2004-03-31 | Rank | |
| # of Employees: | 181 | 886 |
| Assets and Liabilities | ||
| Total Assets: | $468,122,000 | 1,180 |
| Cash and due from depository institutions | $9,124,000 | 886 |
| Interest-bearing balances | $0 | 6,987 |
| Securities | $63,159,000 | 1,986 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,767 |
| Net loans & leases | $364,904,000 | 992 |
| Loan loss allowance | $4,456,000 | 1,032 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $11,121,000 | 816 |
| Other real estate owned | $1,409,000 | 886 |
| Goodwill and other intangibles | $3,655,000 | 865 |
| All other assets | $14,750,000 | 1,001 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $468,122,000 | 1,180 |
| Total liabilities | $431,998,000 | 1,158 |
| Total deposits | $364,422,000 | 1,185 |
| Interest-bearing deposits | $308,432,000 | 1,219 |
| Deposits held in domestic offices | $364,422,000 | 1,183 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $32,964,000 | 538 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $30,419,000 | 1,196 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $4,193,000 | 1,113 |
| Total equity capital | $36,124,000 | 1,532 |
| Total bank equity capital | $36,124,000 | 1,532 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $2,575,000 | 1,494 |
| Surplus | $17,745,000 | 1,195 |
| Undivided profits | $15,804,000 | 2,067 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,894,000 | 1,573 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $2,026,000 | 1,313 |
| Earning assets | $428,063,000 | 1,193 |
| Long-term assets (5+ years) | $123,344,000 | 870 |
| Average Assets, year-to-date | $467,177,500 | 1,164 |
| Average Assets, quarterly | $467,177,500 | 1,164 |
| Volatile liabilities | $121,318,000 | 913 |
| Insider loans | $3,320,000 | 1,716 |
| FHLB advances | $30,350,000 | 1,098 |
| Loans and leases held for sale | $24,418,000 | 162 |
| Unused loan commitments | $38,734,000 | 1,841 |
| Tier 1 (core) risk-based capital | $34,665,000 | 1,483 |
| Tier 2 risk-based capital | $4,396,000 | 1,003 |
| Total risk weighted assets | $351,606,000 | 1,082 |
| Total unused commitments | $38,734,000 | 1,848 |
| Derivatives | $129,326,000 | 173 |
| 2003-12-31 | Rank | |
| # of Employees: | 179 | 908 |
| Assets and Liabilities | ||
| Total Assets: | $466,233,000 | 1,182 |
| Cash and due from depository institutions | $8,940,000 | 908 |
| Interest-bearing balances | $0 | 6,994 |
| Securities | $65,211,000 | 1,966 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,359 |
| Net loans & leases | $360,022,000 | 995 |
| Loan loss allowance | $4,414,000 | 1,051 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $11,198,000 | 800 |
| Other real estate owned | $1,101,000 | 908 |
| Goodwill and other intangibles | $3,980,000 | 820 |
| All other assets | $15,781,000 | 954 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $466,233,000 | 1,182 |
| Total liabilities | $431,293,000 | 1,150 |
| Total deposits | $354,336,000 | 1,221 |
| Interest-bearing deposits | $302,238,000 | 1,245 |
| Deposits held in domestic offices | $354,336,000 | 1,220 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $26,904,000 | 627 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $46,092,000 | 921 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $3,961,000 | 1,109 |
| Total equity capital | $34,940,000 | 1,566 |
| Total bank equity capital | $34,940,000 | 1,566 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $2,575,000 | 1,498 |
| Surplus | $17,745,000 | 1,171 |
| Undivided profits | $14,620,000 | 2,169 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,775,000 | 1,704 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $2,036,000 | 1,364 |
| Earning assets | $425,233,000 | 1,189 |
| Long-term assets (5+ years) | $125,191,000 | 865 |
| Average Assets, year-to-date | $458,975,000 | 1,169 |
| Average Assets, quarterly | $467,906,500 | 1,169 |
| Volatile liabilities | $137,847,000 | 823 |
| Insider loans | $5,342,000 | 1,032 |
| FHLB advances | $45,250,000 | 830 |
| Loans and leases held for sale | $13,190,000 | 213 |
| Unused loan commitments | $38,272,000 | 1,812 |
| Tier 1 (core) risk-based capital | $34,152,000 | 1,491 |
| Tier 2 risk-based capital | $4,414,000 | 999 |
| Total risk weighted assets | $356,175,000 | 1,055 |
| Total unused commitments | $38,272,000 | 1,816 |
| Derivatives | $96,790,000 | 179 |
| 2003-09-30 | Rank | |
| # of Employees: | 188 | 875 |
| Assets and Liabilities | ||
| Total Assets: | $469,580,000 | 1,185 |
| Cash and due from depository institutions | $10,640,000 | 875 |
| Interest-bearing balances | $0 | 7,032 |
| Securities | $66,520,000 | 1,908 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,602 |
| Net loans & leases | $360,686,000 | 990 |
| Loan loss allowance | $4,497,000 | 1,039 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $11,401,000 | 784 |
| Other real estate owned | $1,163,000 | 875 |
| Goodwill and other intangibles | $3,516,000 | 882 |
| All other assets | $15,654,000 | 962 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $469,580,000 | 1,185 |
| Total liabilities | $434,570,000 | 1,156 |
| Total deposits | $347,793,000 | 1,268 |
| Interest-bearing deposits | $296,750,000 | 1,284 |
| Deposits held in domestic offices | $347,793,000 | 1,266 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $43,780,000 | 488 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $38,580,000 | 1,026 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $4,417,000 | 1,061 |
| Total equity capital | $35,010,000 | 1,566 |
| Total bank equity capital | $35,010,000 | 1,566 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $2,575,000 | 1,498 |
| Surplus | $17,745,000 | 1,156 |
| Undivided profits | $14,690,000 | 2,175 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,722,000 | 1,857 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $2,074,000 | 1,404 |
| Earning assets | $427,206,000 | 1,193 |
| Long-term assets (5+ years) | $143,806,000 | 770 |
| Average Assets, year-to-date | $457,160,500 | 1,185 |
| Average Assets, quarterly | $481,691,500 | 1,153 |
| Volatile liabilities | $137,198,000 | 810 |
| Insider loans | $4,699,000 | 1,139 |
| FHLB advances | $38,450,000 | 927 |
| Loans and leases held for sale | $28,113,000 | 174 |
| Unused loan commitments | $39,224,000 | 1,782 |
| Tier 1 (core) risk-based capital | $34,643,000 | 1,482 |
| Tier 2 risk-based capital | $4,418,000 | 1,005 |
| Total risk weighted assets | $353,371,000 | 1,065 |
| Total unused commitments | $39,224,000 | 1,785 |
| Derivatives | $127,376,000 | 174 |
| 2003-06-30 | Rank | |
| # of Employees: | 190 | 865 |
| Assets and Liabilities | ||
| Total Assets: | $493,803,000 | 1,132 |
| Cash and due from depository institutions | $19,931,000 | 865 |
| Interest-bearing balances | $0 | 7,050 |
| Securities | $65,948,000 | 1,873 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,888 |
| Net loans & leases | $378,255,000 | 925 |
| Loan loss allowance | $4,405,000 | 1,031 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $11,291,000 | 780 |
| Other real estate owned | $1,248,000 | 865 |
| Goodwill and other intangibles | $2,450,000 | 1,029 |
| All other assets | $14,680,000 | 983 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $493,803,000 | 1,132 |
| Total liabilities | $461,021,000 | 1,088 |
| Total deposits | $368,654,000 | 1,157 |
| Interest-bearing deposits | $291,185,000 | 1,294 |
| Deposits held in domestic offices | $368,654,000 | 1,156 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $43,680,000 | 456 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $44,268,000 | 911 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $4,419,000 | 1,104 |
| Total equity capital | $32,782,000 | 1,665 |
| Total bank equity capital | $32,782,000 | 1,665 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $2,575,000 | 1,494 |
| Surplus | $17,745,000 | 1,132 |
| Undivided profits | $12,462,000 | 2,538 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,000,000 | 1,619 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $2,121,000 | 1,311 |
| Earning assets | $444,203,000 | 1,148 |
| Long-term assets (5+ years) | $165,029,000 | 642 |
| Average Assets, year-to-date | $453,020,670 | 1,193 |
| Average Assets, quarterly | $464,839,000 | 1,179 |
| Volatile liabilities | $135,782,000 | 821 |
| Insider loans | $3,782,000 | 1,454 |
| FHLB advances | $43,450,000 | 830 |
| Loans and leases held for sale | $63,392,000 | 142 |
| Unused loan commitments | $34,688,000 | 1,891 |
| Tier 1 (core) risk-based capital | $32,193,000 | 1,562 |
| Tier 2 risk-based capital | $4,405,000 | 973 |
| Total risk weighted assets | $359,436,000 | 1,036 |
| Total unused commitments | $34,688,000 | 1,901 |
| Derivatives | $254,067,000 | 144 |
| 2003-03-31 | Rank | |
| # of Employees: | 190 | 858 |
| Assets and Liabilities | ||
| Total Assets: | $435,875,000 | 1,243 |
| Cash and due from depository institutions | $15,538,000 | 858 |
| Interest-bearing balances | $0 | 7,012 |
| Securities | $56,816,000 | 2,113 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,247 |
| Net loans & leases | $334,977,000 | 1,041 |
| Loan loss allowance | $4,257,000 | 1,065 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $11,486,000 | 757 |
| Other real estate owned | $691,000 | 858 |
| Goodwill and other intangibles | $2,371,000 | 1,044 |
| All other assets | $13,996,000 | 1,002 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $435,875,000 | 1,243 |
| Total liabilities | $404,762,000 | 1,212 |
| Total deposits | $340,916,000 | 1,254 |
| Interest-bearing deposits | $285,241,000 | 1,312 |
| Deposits held in domestic offices | $340,916,000 | 1,252 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $31,055,000 | 544 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $26,867,000 | 1,239 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $5,924,000 | 909 |
| Total equity capital | $31,113,000 | 1,707 |
| Total bank equity capital | $31,113,000 | 1,707 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $2,575,000 | 1,498 |
| Surplus | $17,745,000 | 1,113 |
| Undivided profits | $10,793,000 | 2,795 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,578,000 | 1,272 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $1,984,000 | 1,465 |
| Earning assets | $391,793,000 | 1,266 |
| Long-term assets (5+ years) | $124,297,000 | 818 |
| Average Assets, year-to-date | $432,629,500 | 1,241 |
| Average Assets, quarterly | $432,629,500 | 1,241 |
| Volatile liabilities | $98,774,000 | 1,046 |
| Insider loans | $3,507,000 | 1,536 |
| FHLB advances | $26,750,000 | 1,146 |
| Loans and leases held for sale | $46,656,000 | 157 |
| Unused loan commitments | $33,087,000 | 1,878 |
| Tier 1 (core) risk-based capital | $31,108,000 | 1,588 |
| Tier 2 risk-based capital | $4,048,000 | 1,036 |
| Total risk weighted assets | $323,607,000 | 1,129 |
| Total unused commitments | $33,087,000 | 1,889 |
| Derivatives | $198,540,000 | 152 |
| 2002-12-31 | Rank | |
| # of Employees: | 190 | 861 |
| Assets and Liabilities | ||
| Total Assets: | $429,384,000 | 1,246 |
| Cash and due from depository institutions | $9,674,000 | 861 |
| Interest-bearing balances | $0 | 7,009 |
| Securities | $47,680,000 | 2,434 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,991 |
| Net loans & leases | $343,916,000 | 1,001 |
| Loan loss allowance | $3,983,000 | 1,104 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $11,368,000 | 757 |
| Other real estate owned | $687,000 | 861 |
| Goodwill and other intangibles | $1,955,000 | 1,135 |
| All other assets | $14,104,000 | 978 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $429,384,000 | 1,246 |
| Total liabilities | $399,985,000 | 1,208 |
| Total deposits | $334,296,000 | 1,257 |
| Interest-bearing deposits | $285,001,000 | 1,284 |
| Deposits held in domestic offices | $334,296,000 | 1,255 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $24,385,000 | 634 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $35,816,000 | 1,030 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $5,488,000 | 928 |
| Total equity capital | $29,399,000 | 1,782 |
| Total bank equity capital | $29,399,000 | 1,782 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $2,575,000 | 1,488 |
| Surplus | $17,745,000 | 1,097 |
| Undivided profits | $9,079,000 | 3,164 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,495,000 | 1,238 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $221,000 | 603 |
| Income earned, not collected on loans | $2,042,000 | 1,480 |
| Earning assets | $391,596,000 | 1,241 |
| Long-term assets (5+ years) | $132,730,000 | 753 |
| Average Assets, year-to-date | $400,128,000 | 1,267 |
| Average Assets, quarterly | $430,594,500 | 1,230 |
| Volatile liabilities | $120,387,000 | 872 |
| Insider loans | $2,392,000 | 2,174 |
| FHLB advances | $34,750,000 | 958 |
| Loans and leases held for sale | $57,822,000 | 156 |
| Unused loan commitments | $31,179,000 | 1,901 |
| Tier 1 (core) risk-based capital | $29,758,000 | 1,621 |
| Tier 2 risk-based capital | $3,983,000 | 1,030 |
| Total risk weighted assets | $325,021,000 | 1,104 |
| Total unused commitments | $31,179,000 | 1,907 |
| Derivatives | $166,140,000 | 153 |
| 2001-12-31 | Rank | |
| # of Employees: | 182 | 889 |
| Assets and Liabilities | ||
| Total Assets: | $389,091,000 | 1,312 |
| Cash and due from depository institutions | $12,724,000 | 889 |
| Interest-bearing balances | $0 | 7,015 |
| Securities | $20,433,000 | 4,468 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,110 |
| Net loans & leases | $335,487,000 | 991 |
| Loan loss allowance | $3,714,000 | 1,130 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $9,360,000 | 910 |
| Other real estate owned | $675,000 | 889 |
| Goodwill and other intangibles | $1,677,000 | 1,155 |
| All other assets | $8,735,000 | 1,379 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $389,091,000 | 1,312 |
| Total liabilities | $361,638,000 | 1,269 |
| Total deposits | $277,775,000 | 1,437 |
| Interest-bearing deposits | $231,448,000 | 1,512 |
| Deposits held in domestic offices | $277,775,000 | 1,435 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $10,050,000 | 1,061 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $68,189,000 | 627 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $5,624,000 | 908 |
| Total equity capital | $27,453,000 | 1,789 |
| Total bank equity capital | $27,453,000 | 1,789 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $2,575,000 | 1,487 |
| Surplus | $17,745,000 | 1,047 |
| Undivided profits | $7,133,000 | 3,524 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,258,000 | 922 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $190,000 | 661 |
| Income earned, not collected on loans | $1,851,000 | 1,788 |
| Earning assets | $355,920,000 | 1,312 |
| Long-term assets (5+ years) | $84,827,000 | 1,107 |
| Average Assets, year-to-date | $365,637,200 | 1,322 |
| Average Assets, quarterly | $379,126,500 | 1,326 |
| Volatile liabilities | $99,482,000 | 994 |
| Insider loans | $1,390,000 | 3,146 |
| FHLB advances | $68,020,000 | 547 |
| Loans and leases held for sale | $45,314,000 | 161 |
| Unused loan commitments | $30,559,000 | 1,834 |
| Tier 1 (core) risk-based capital | $28,245,000 | 1,633 |
| Tier 2 risk-based capital | $3,714,000 | 1,066 |
| Total risk weighted assets | $303,347,000 | 1,122 |
| Total unused commitments | $30,559,000 | 1,840 |
| Derivatives | $137,311,000 | 154 |
| 2000-12-31 | Rank | |
| # of Employees: | 172 | 915 |
| Assets and Liabilities | ||
| Total Assets: | $354,852,000 | 1,346 |
| Cash and due from depository institutions | $8,968,000 | 915 |
| Interest-bearing balances | $100,000 | 4,566 |
| Securities | $21,091,000 | 4,473 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,010 |
| Net loans & leases | $309,711,000 | 1,036 |
| Loan loss allowance | $3,398,000 | 1,171 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $8,902,000 | 916 |
| Other real estate owned | $973,000 | 915 |
| Goodwill and other intangibles | $1,936,000 | 1,062 |
| All other assets | $3,271,000 | 2,646 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $354,852,000 | 1,346 |
| Total liabilities | $330,384,000 | 1,307 |
| Total deposits | $285,350,000 | 1,331 |
| Interest-bearing deposits | $248,133,000 | 1,332 |
| Deposits held in domestic offices | $285,350,000 | 1,327 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,750,000 | 1,462 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $33,395,000 | 959 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $5,889,000 | 891 |
| Total equity capital | $24,468,000 | 1,890 |
| Total bank equity capital | $24,468,000 | 1,890 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $2,575,000 | 1,494 |
| Surplus | $9,845,000 | 1,680 |
| Undivided profits | $12,048,000 | 2,223 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,691,000 | 943 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $1,969,000 | 1,264 |
| Earning assets | $330,902,000 | 1,331 |
| Long-term assets (5+ years) | $85,565,000 | 1,054 |
| Average Assets, year-to-date | $341,404,400 | 1,340 |
| Average Assets, quarterly | $351,353,000 | 1,342 |
| Volatile liabilities | $94,695,000 | 1,032 |
| Insider loans | $1,883,000 | 2,455 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $9,233,000 | 241 |
| Unused loan commitments | $39,682,000 | 1,397 |
| Tier 1 (core) risk-based capital | $24,093,000 | 1,836 |
| Tier 2 risk-based capital | $3,351,960 | 1,120 |
| Total risk weighted assets | $268,110,960 | 1,213 |
| Total unused commitments | $39,682,000 | 1,398 |
| Derivatives | $86,000,000 | 187 |
| 1999-12-31 | Rank | |
| # of Employees: | 192 | 876 |
| Assets and Liabilities | ||
| Total Assets: | $325,367,000 | 1,451 |
| Cash and due from depository institutions | $11,719,000 | 876 |
| Interest-bearing balances | $100,000 | 4,634 |
| Securities | $28,040,000 | 3,787 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $270,811,000 | 1,149 |
| Loan loss allowance | $3,127,000 | 1,225 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $9,714,000 | 830 |
| Other real estate owned | $35,000 | 876 |
| Goodwill and other intangibles | $1,882,000 | 1,108 |
| All other assets | $3,166,000 | 2,692 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $325,367,000 | 1,451 |
| Total liabilities | $303,456,000 | 1,412 |
| Total deposits | $260,722,000 | 1,445 |
| Interest-bearing deposits | $227,989,000 | 1,423 |
| Deposits held in domestic offices | $260,722,000 | 1,440 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,900,000 | 1,217 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $29,221,000 | 1,058 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $3,613,000 | 1,191 |
| Total equity capital | $21,911,000 | 2,020 |
| Total bank equity capital | $21,911,000 | 2,020 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $2,575,000 | 1,496 |
| Surplus | $9,845,000 | 1,666 |
| Undivided profits | $9,491,000 | 2,562 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,319,000 | 1,725 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $1,518,000 | 1,413 |
| Earning assets | $298,951,000 | 1,451 |
| Long-term assets (5+ years) | $78,665,000 | 1,192 |
| Average Assets, year-to-date | $291,641,000 | 1,547 |
| Average Assets, quarterly | $314,368,500 | 1,474 |
| Volatile liabilities | $92,389,000 | 1,023 |
| Insider loans | $596,000 | 4,937 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $5,326,000 | 321 |
| Unused loan commitments | $29,746,000 | 1,745 |
| Tier 1 (core) risk-based capital | $21,766,000 | 2,037 |
| Tier 2 risk-based capital | $2,907,520 | 1,242 |
| Total risk weighted assets | $232,382,020 | 1,346 |
| Total unused commitments | $29,746,000 | 1,747 |
| Derivatives | $65,000,000 | 215 |
| 1998-12-31 | Rank | |
| # of Employees: | 164 | 1,017 |
| Assets and Liabilities | ||
| Total Assets: | $278,545,000 | 1,656 |
| Cash and due from depository institutions | $9,447,000 | 1,017 |
| Interest-bearing balances | $100,000 | 4,829 |
| Securities | $13,092,000 | 6,254 |
| Federal funds sold & reverse repurchase agreements | $830,000 | 7,286 |
| Net loans & leases | $242,415,000 | 1,172 |
| Loan loss allowance | $2,772,000 | 1,317 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $7,978,000 | 940 |
| Other real estate owned | $36,000 | 1,017 |
| Goodwill and other intangibles | $1,467,000 | 1,215 |
| All other assets | $3,280,000 | 2,267 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $278,545,000 | 1,656 |
| Total liabilities | $259,222,000 | 1,593 |
| Total deposits | $216,098,000 | 1,753 |
| Interest-bearing deposits | $182,950,000 | 1,781 |
| Deposits held in domestic offices | $216,098,000 | 1,747 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $39,092,000 | 702 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $4,032,000 | 1,139 |
| Total equity capital | $19,323,000 | 2,332 |
| Total bank equity capital | $19,323,000 | 2,332 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,575,000 | 1,445 |
| Surplus | $9,845,000 | 1,589 |
| Undivided profits | $6,903,000 | 3,499 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,550,000 | 1,634 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,502,000 | 1,392 |
| Earning assets | $256,437,000 | 1,653 |
| Long-term assets (5+ years) | $78,412,000 | 1,101 |
| Average Assets, year-to-date | $260,759,400 | 1,665 |
| Average Assets, quarterly | $275,386,000 | 1,637 |
| Volatile liabilities | $78,467,000 | 991 |
| Insider loans | $354,000 | 6,100 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $19,069,000 | 236 |
| Unused loan commitments | $54,316,000 | 1,073 |
| Tier 1 (core) risk-based capital | $18,767,800 | 2,279 |
| Tier 2 risk-based capital | $2,446,010 | 1,352 |
| Total risk weighted assets | $195,354,510 | 1,477 |
| Total unused commitments | $54,316,000 | 1,076 |
| Derivatives | $46,000,000 | 261 |
| 1997-12-31 | Rank | |
| # of Employees: | 133 | 1,325 |
| Assets and Liabilities | ||
| Total Assets: | $233,786,000 | 1,951 |
| Cash and due from depository institutions | $6,312,000 | 1,325 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $14,543,000 | 6,093 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $205,210,000 | 1,392 |
| Loan loss allowance | $1,882,000 | 1,882 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $4,101,000 | 1,935 |
| Other real estate owned | $12,000 | 1,325 |
| Goodwill and other intangibles | $853,000 | 1,443 |
| All other assets | $2,755,000 | 2,601 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $233,786,000 | 1,951 |
| Total liabilities | $218,005,000 | 1,886 |
| Total deposits | $152,754,000 | 2,457 |
| Interest-bearing deposits | $129,097,000 | 2,502 |
| Deposits held in domestic offices | $152,754,000 | 2,449 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,836,000 | 1,074 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $52,898,000 | 549 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $2,517,000 | 1,672 |
| Total equity capital | $15,781,000 | 2,800 |
| Total bank equity capital | $15,781,000 | 2,800 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,575,000 | 1,427 |
| Surplus | $2,845,000 | 4,343 |
| Undivided profits | $10,361,000 | 2,454 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $875,000 | 2,739 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,233,000 | 1,811 |
| Earning assets | $219,753,000 | 1,909 |
| Long-term assets (5+ years) | $42,834,000 | 1,579 |
| Average Assets, year-to-date | $213,432,600 | 2,036 |
| Average Assets, quarterly | $225,809,500 | 1,995 |
| Volatile liabilities | $57,485,000 | 1,264 |
| Insider loans | $550,000 | 5,150 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $9,005,000 | 244 |
| Unused loan commitments | $28,386,000 | 1,649 |
| Tier 1 (core) risk-based capital | $15,198,500 | 2,787 |
| Tier 2 risk-based capital | $1,882,000 | 1,610 |
| Total risk weighted assets | $161,986,600 | 1,737 |
| Total unused commitments | $28,386,000 | 1,653 |
| Derivatives | $7,000,000 | 421 |
| 1996-12-31 | Rank | |
| # of Employees: | 109 | 1,708 |
| Assets and Liabilities | ||
| Total Assets: | $198,141,000 | 2,372 |
| Cash and due from depository institutions | $6,473,000 | 1,708 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $19,094,000 | 5,478 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $166,744,000 | 1,723 |
| Loan loss allowance | $1,773,000 | 2,110 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $2,714,000 | 2,855 |
| Other real estate owned | $96,000 | 1,708 |
| Goodwill and other intangibles | $683,000 | 1,506 |
| All other assets | $2,337,000 | 3,114 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $198,141,000 | 2,372 |
| Total liabilities | $183,670,000 | 2,297 |
| Total deposits | $121,227,000 | 3,145 |
| Interest-bearing deposits | $102,021,000 | 3,207 |
| Deposits held in domestic offices | $121,227,000 | 3,137 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,638,000 | 1,179 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $50,865,000 | 580 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,940,000 | 2,082 |
| Total equity capital | $14,471,000 | 3,073 |
| Total bank equity capital | $14,471,000 | 3,073 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,575,000 | 1,486 |
| Surplus | $2,845,000 | 4,416 |
| Undivided profits | $9,051,000 | 2,737 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $622,000 | 3,771 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $877,000 | 2,576 |
| Earning assets | $185,838,000 | 2,322 |
| Long-term assets (5+ years) | $45,082,000 | 1,401 |
| Average Assets, year-to-date | $190,934,800 | 2,365 |
| Average Assets, quarterly | $200,054,500 | 2,326 |
| Volatile liabilities | $45,903,000 | 1,481 |
| Insider loans | $212,000 | 7,618 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $6,095,000 | 299 |
| Unused loan commitments | $22,521,000 | 1,891 |
| Tier 1 (core) risk-based capital | $13,833,000 | 3,124 |
| Tier 2 risk-based capital | $1,656,510 | 1,879 |
| Total risk weighted assets | $132,404,610 | 2,129 |
| Total unused commitments | $22,521,000 | 1,905 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 98 | 1,968 |
| Assets and Liabilities | ||
| Total Assets: | $181,753,000 | 2,561 |
| Cash and due from depository institutions | $5,409,000 | 1,968 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $28,147,000 | 4,282 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $142,475,000 | 1,986 |
| Loan loss allowance | $1,671,000 | 2,265 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $2,652,000 | 2,858 |
| Other real estate owned | $149,000 | 1,968 |
| Goodwill and other intangibles | $611,000 | 1,453 |
| All other assets | $2,310,000 | 3,199 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $181,753,000 | 2,561 |
| Total liabilities | $169,065,000 | 2,490 |
| Total deposits | $115,903,000 | 3,305 |
| Interest-bearing deposits | $100,890,000 | 3,259 |
| Deposits held in domestic offices | $115,903,000 | 3,297 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,040,000 | 1,687 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $47,458,000 | 561 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,664,000 | 2,426 |
| Total equity capital | $12,688,000 | 3,463 |
| Total bank equity capital | $12,688,000 | 3,463 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,575,000 | 1,519 |
| Surplus | $2,845,000 | 4,390 |
| Undivided profits | $7,268,000 | 3,376 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $508,000 | 4,229 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $802,000 | 2,927 |
| Earning assets | $170,622,000 | 2,507 |
| Long-term assets (5+ years) | $52,559,000 | 1,140 |
| Average Assets, year-to-date | $165,841,600 | 2,682 |
| Average Assets, quarterly | $178,270,000 | 2,573 |
| Volatile liabilities | $23,625,000 | 2,301 |
| Insider loans | $145,000 | 8,567 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $5,739,000 | 329 |
| Unused loan commitments | $22,267,000 | 1,851 |
| Tier 1 (core) risk-based capital | $11,817,000 | 3,586 |
| Tier 2 risk-based capital | $1,400,330 | 2,140 |
| Total risk weighted assets | $111,665,430 | 2,431 |
| Total unused commitments | $22,267,000 | 1,860 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 74 | 2,714 |
| Assets and Liabilities | ||
| Total Assets: | $150,989,000 | 2,999 |
| Cash and due from depository institutions | $6,921,000 | 2,714 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $30,822,000 | 4,173 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $107,491,000 | 2,505 |
| Loan loss allowance | $1,538,000 | 2,487 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $2,545,000 | 2,903 |
| Other real estate owned | $136,000 | 2,714 |
| Goodwill and other intangibles | $662,000 | 1,290 |
| All other assets | $2,412,000 | 3,252 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $150,989,000 | 2,999 |
| Total liabilities | $140,679,000 | 2,923 |
| Total deposits | $122,746,000 | 3,096 |
| Interest-bearing deposits | $106,726,000 | 3,069 |
| Deposits held in domestic offices | $122,746,000 | 3,086 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,313,000 | 2,512 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $14,649,000 | 1,046 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $971,000 | 3,138 |
| Total equity capital | $10,310,000 | 3,921 |
| Total bank equity capital | $10,310,000 | 3,921 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,575,000 | 1,548 |
| Surplus | $2,845,000 | 4,332 |
| Undivided profits | $4,890,000 | 4,273 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $198,000 | 6,777 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $597,000 | 3,483 |
| Earning assets | $138,313,000 | 2,986 |
| Long-term assets (5+ years) | $33,458,000 | 1,671 |
| Average Assets, year-to-date | $141,847,400 | 3,102 |
| Average Assets, quarterly | $147,378,500 | 3,046 |
| Volatile liabilities | $19,575,000 | 2,578 |
| Insider loans | $1,045,000 | 3,586 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $3,032,000 | 363 |
| Unused loan commitments | $9,878,000 | 3,149 |
| Tier 1 (core) risk-based capital | $9,777,000 | 4,221 |
| Tier 2 risk-based capital | $1,129,080 | 2,622 |
| Total risk weighted assets | $89,458,480 | 2,953 |
| Total unused commitments | $9,878,000 | 3,159 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 71 | 2,945 |
| Assets and Liabilities | ||
| Total Assets: | $134,161,000 | 3,399 |
| Cash and due from depository institutions | $5,875,000 | 2,945 |
| Interest-bearing balances | $100,000 | 6,134 |
| Securities | $33,757,000 | 4,052 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $88,494,000 | 2,888 |
| Loan loss allowance | $1,482,000 | 2,660 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,501,000 | 2,923 |
| Other real estate owned | $334,000 | 2,945 |
| Goodwill and other intangibles | $776,000 | 1,125 |
| All other assets | $2,424,000 | 2,924 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $134,161,000 | 3,399 |
| Total liabilities | $123,582,000 | 3,353 |
| Total deposits | $120,987,000 | 3,256 |
| Interest-bearing deposits | $106,596,000 | 3,200 |
| Deposits held in domestic offices | $120,987,000 | 3,246 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $461,000 | 3,308 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $838,000 | 2,922 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,296,000 | 2,577 |
| Total equity capital | $10,579,000 | 3,869 |
| Total bank equity capital | $10,579,000 | 3,869 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,575,000 | 1,558 |
| Surplus | $2,845,000 | 4,300 |
| Undivided profits | $5,159,000 | 4,244 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $211,000 | 7,405 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $432,000 | 4,335 |
| Earning assets | $122,351,000 | 3,405 |
| Long-term assets (5+ years) | $30,961,000 | 1,855 |
| Average Assets, year-to-date | $135,122,800 | 3,295 |
| Average Assets, quarterly | $134,057,000 | 3,378 |
| Volatile liabilities | $5,173,000 | 6,405 |
| Insider loans | $1,885,000 | 2,176 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $1,623,000 | 874 |
| Unused loan commitments | $10,081,000 | 3,080 |
| Tier 1 (core) risk-based capital | $9,803,000 | 4,073 |
| Tier 2 risk-based capital | $933,640 | 3,072 |
| Total risk weighted assets | $74,143,140 | 3,469 |
| Total unused commitments | $10,081,000 | 3,101 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 64 | 3,357 |
| Assets and Liabilities | ||
| Total Assets: | $130,964,000 | 3,539 |
| Cash and due from depository institutions | $5,271,000 | 3,357 |
| Interest-bearing balances | $100,000 | 6,673 |
| Securities | $27,986,000 | 4,741 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $92,326,000 | 2,870 |
| Loan loss allowance | $1,384,000 | 2,868 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,234,000 | 3,262 |
| Other real estate owned | $437,000 | 3,357 |
| Goodwill and other intangibles | $920,000 | 1,044 |
| All other assets | $1,790,000 | 3,960 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $130,964,000 | 3,539 |
| Total liabilities | $120,729,000 | 3,522 |
| Total deposits | $118,658,000 | 3,426 |
| Interest-bearing deposits | $105,116,000 | 3,378 |
| Deposits held in domestic offices | $118,658,000 | 3,418 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,058,000 | 2,506 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $84,000 | 4,400 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $929,000 | 3,499 |
| Total equity capital | $10,235,000 | 3,794 |
| Total bank equity capital | $10,235,000 | 3,794 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,575,000 | 1,594 |
| Surplus | $2,845,000 | 4,202 |
| Undivided profits | $4,815,000 | 4,307 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $196,000 | 8,422 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $554,000 | 3,687 |
| Earning assets | $120,412,000 | 3,509 |
| Long-term assets (5+ years) | $35,832,000 | 1,584 |
| Average Assets, year-to-date | $131,615,600 | 3,446 |
| Average Assets, quarterly | $130,393,500 | 3,526 |
| Volatile liabilities | $7,430,000 | 5,078 |
| Insider loans | $218,000 | 3,716 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $1,595,000 | 621 |
| Unused loan commitments | $3,909,000 | 5,317 |
| Tier 1 (core) risk-based capital | $9,315,000 | 4,088 |
| Tier 2 risk-based capital | $937,510 | 3,076 |
| Total risk weighted assets | $74,554,410 | 3,502 |
| Total unused commitments | $3,909,000 | 5,347 |
| Derivatives | $0 | 651 |