Home > Merchants Bank > Assets and Liabilities
Merchants Bank, Assets and Liabilities
| 2009-03-31 | Rank | |
| # of Employees: | 27 | 5,035 |
| Assets and Liabilities | ||
| Total Assets: | $95,953,000 | 5,318 |
| Cash and due from depository institutions | $3,254,000 | 5,035 |
| Interest-bearing balances | $2,000 | 7,178 |
| Securities | $6,541,000 | 6,535 |
| Federal funds sold & reverse repurchase agreements | $11,735,000 | 1,032 |
| Net loans & leases | $68,140,000 | 5,033 |
| Loan loss allowance | $929,000 | 4,802 |
| Trading account assets | $0 | 234 |
| Bank premises and fixed assets | $3,132,000 | 3,602 |
| Other real estate owned | $0 | 5,035 |
| Goodwill and other intangibles | $0 | 3,204 |
| All other assets | $3,151,000 | 4,123 |
| Life insurance assets | $1,996,000 | 2,324 |
| Total liabilities and capital | $95,953,000 | 5,318 |
| Total liabilities | $87,781,000 | 5,233 |
| Total deposits | $86,357,000 | 5,038 |
| Interest-bearing deposits | $75,159,000 | 4,995 |
| Deposits held in domestic offices | $86,357,000 | 5,035 |
| % insured | 73.24% | 5,517 |
| Federal funds purchased & repurchase agreements | $1,016,000 | 2,343 |
| Trading liabilities | $0 | 92 |
| Other borrowed funds | $0 | 5,670 |
| Subordinated debt | $0 | 271 |
| All other liabilities | $408,000 | 5,706 |
| Total equity capital | $8,172,000 | 5,994 |
| Total bank equity capital | $8,172,000 | 5,993 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $150,000 | 5,795 |
| Surplus | $5,204,000 | 3,997 |
| Undivided profits | $2,818,000 | 5,405 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 220 |
| Memoranda | ||
| Noncurrent loans and leases | $777,000 | 5,012 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,134 |
| Income earned, not collected on loans | $326,000 | 6,639 |
| Earning assets | $86,418,000 | 5,366 |
| Long-term assets (5+ years) | $9,182,000 | 5,529 |
| Average Assets, year-to-date | $93,952,000 | 5,376 |
| Average Assets, quarterly | $93,952,000 | 5,376 |
| Volatile liabilities | $17,874,000 | 5,213 |
| Insider loans | $561,000 | 5,282 |
| FHLB advances | $0 | 5,264 |
| Loans and leases held for sale | $2,600,000 | 685 |
| Unused loan commitments | $17,340,000 | 3,345 |
| Tier 1 (core) risk-based capital | $8,039,000 | 5,924 |
| Tier 2 risk-based capital | $929,000 | 4,449 |
| Total risk weighted assets | $75,702,000 | 4,922 |
| Total unused commitments | $17,340,000 | 3,345 |
| Derivatives | $0 | 1,177 |
| 2008-12-31 | Rank | |
| # of Employees: | 26 | 5,169 |
| Assets and Liabilities | ||
| Total Assets: | $91,951,000 | 5,431 |
| Cash and due from depository institutions | $4,402,000 | 5,169 |
| Interest-bearing balances | $4,000 | 6,954 |
| Securities | $8,043,000 | 6,292 |
| Federal funds sold & reverse repurchase agreements | $5,005,000 | 1,862 |
| Net loans & leases | $67,932,000 | 5,061 |
| Loan loss allowance | $897,000 | 4,830 |
| Trading account assets | $0 | 236 |
| Bank premises and fixed assets | $3,161,000 | 3,611 |
| Other real estate owned | $0 | 5,169 |
| Goodwill and other intangibles | $0 | 3,219 |
| All other assets | $3,408,000 | 3,984 |
| Life insurance assets | $1,977,000 | 2,342 |
| Total liabilities and capital | $91,950,000 | 5,431 |
| Total liabilities | $84,106,000 | 5,331 |
| Total deposits | $81,964,000 | 5,143 |
| Interest-bearing deposits | $69,946,000 | 5,101 |
| Deposits held in domestic offices | $81,964,000 | 5,140 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,795,000 | 2,404 |
| Trading liabilities | $0 | 88 |
| Other borrowed funds | $0 | 5,839 |
| Subordinated debt | $0 | 278 |
| All other liabilities | $347,000 | 6,072 |
| Total equity capital | $7,844,000 | 6,134 |
| Total bank equity capital | $7,844,000 | 6,134 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $150,000 | 5,831 |
| Surplus | $5,204,000 | 3,983 |
| Undivided profits | $2,490,000 | 5,599 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $802,000 | 4,722 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,078 |
| Income earned, not collected on loans | $282,000 | 7,070 |
| Earning assets | $80,984,000 | 5,549 |
| Long-term assets (5+ years) | $10,658,000 | 5,254 |
| Average Assets, year-to-date | $84,067,000 | 5,560 |
| Average Assets, quarterly | $89,174,500 | 5,475 |
| Volatile liabilities | $16,667,000 | 5,328 |
| Insider loans | $575,000 | 5,307 |
| FHLB advances | $0 | 5,445 |
| Loans and leases held for sale | $748,000 | 981 |
| Unused loan commitments | $16,758,000 | 3,416 |
| Tier 1 (core) risk-based capital | $7,810,000 | 6,016 |
| Tier 2 risk-based capital | $897,000 | 4,519 |
| Total risk weighted assets | $75,413,000 | 4,931 |
| Total unused commitments | $16,758,000 | 3,418 |
| Derivatives | $0 | 1,109 |
| 2008-09-30 | Rank | |
| # of Employees: | 28 | 5,019 |
| Assets and Liabilities | ||
| Total Assets: | $86,398,000 | 5,589 |
| Cash and due from depository institutions | $3,486,000 | 5,019 |
| Interest-bearing balances | $4,000 | 6,658 |
| Securities | $6,234,000 | 6,646 |
| Federal funds sold & reverse repurchase agreements | $7,770,000 | 1,564 |
| Net loans & leases | $62,364,000 | 5,268 |
| Loan loss allowance | $829,000 | 4,899 |
| Trading account assets | $0 | 251 |
| Bank premises and fixed assets | $3,183,000 | 3,603 |
| Other real estate owned | $0 | 5,019 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $3,361,000 | 4,076 |
| Life insurance assets | $1,958,000 | 2,355 |
| Total liabilities and capital | $86,398,000 | 5,589 |
| Total liabilities | $77,236,000 | 5,535 |
| Total deposits | $75,439,000 | 5,333 |
| Interest-bearing deposits | $60,541,000 | 5,479 |
| Deposits held in domestic offices | $75,439,000 | 5,331 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,341,000 | 2,683 |
| Trading liabilities | $0 | 91 |
| Other borrowed funds | $0 | 5,843 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $456,000 | 5,666 |
| Total equity capital | $9,162,000 | 5,723 |
| Total bank equity capital | $9,162,000 | 5,723 |
| Perpetual preferred stock | $0 | 110 |
| Common stock | $150,000 | 5,884 |
| Surplus | $6,704,000 | 3,474 |
| Undivided profits | $2,308,000 | 5,802 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $829,000 | 4,420 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,110 |
| Income earned, not collected on loans | $273,000 | 7,218 |
| Earning assets | $76,372,000 | 5,682 |
| Long-term assets (5+ years) | $9,522,000 | 5,400 |
| Average Assets, year-to-date | $82,096,000 | 5,648 |
| Average Assets, quarterly | $82,596,000 | 5,681 |
| Volatile liabilities | $11,536,000 | 6,016 |
| Insider loans | $988,000 | 4,454 |
| FHLB advances | $0 | 5,438 |
| Loans and leases held for sale | $1,408,000 | 657 |
| Unused loan commitments | $15,254,000 | 3,763 |
| Tier 1 (core) risk-based capital | $9,101,000 | 5,663 |
| Tier 2 risk-based capital | $856,000 | 4,579 |
| Total risk weighted assets | $72,594,000 | 5,045 |
| Total unused commitments | $15,254,000 | 3,765 |
| Derivatives | $0 | 1,077 |
| 2008-06-30 | Rank | |
| # of Employees: | 28 | 5,057 |
| Assets and Liabilities | ||
| Total Assets: | $78,794,000 | 5,855 |
| Cash and due from depository institutions | $4,969,000 | 5,057 |
| Interest-bearing balances | $2,000 | 6,690 |
| Securities | $6,235,000 | 6,697 |
| Federal funds sold & reverse repurchase agreements | $360,000 | 5,382 |
| Net loans & leases | $60,462,000 | 5,332 |
| Loan loss allowance | $792,000 | 4,984 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $3,229,000 | 3,557 |
| Other real estate owned | $0 | 5,057 |
| Goodwill and other intangibles | $0 | 3,301 |
| All other assets | $3,539,000 | 3,917 |
| Life insurance assets | $1,941,000 | 2,375 |
| Total liabilities and capital | $78,794,000 | 5,855 |
| Total liabilities | $69,924,000 | 5,827 |
| Total deposits | $69,051,000 | 5,617 |
| Interest-bearing deposits | $58,208,000 | 5,623 |
| Deposits held in domestic offices | $69,051,000 | 5,615 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $654,000 | 3,115 |
| Trading liabilities | $0 | 94 |
| Other borrowed funds | $0 | 5,770 |
| Subordinated debt | $0 | 257 |
| All other liabilities | $219,000 | 7,055 |
| Total equity capital | $8,870,000 | 5,847 |
| Total bank equity capital | $8,870,000 | 5,847 |
| Perpetual preferred stock | $0 | 107 |
| Common stock | $150,000 | 5,934 |
| Surplus | $6,704,000 | 3,471 |
| Undivided profits | $2,016,000 | 6,050 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $739,000 | 4,340 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,082 |
| Income earned, not collected on loans | $268,000 | 7,237 |
| Earning assets | $67,059,000 | 6,025 |
| Long-term assets (5+ years) | $9,435,000 | 5,389 |
| Average Assets, year-to-date | $80,662,000 | 5,731 |
| Average Assets, quarterly | $79,770,500 | 5,795 |
| Volatile liabilities | $9,780,000 | 6,348 |
| Insider loans | $1,054,000 | 4,334 |
| FHLB advances | $0 | 5,355 |
| Loans and leases held for sale | $519,000 | 1,152 |
| Unused loan commitments | $15,543,000 | 3,831 |
| Tier 1 (core) risk-based capital | $8,914,000 | 5,749 |
| Tier 2 risk-based capital | $817,000 | 4,690 |
| Total risk weighted assets | $72,002,000 | 5,042 |
| Total unused commitments | $15,543,000 | 3,832 |
| Derivatives | $0 | 1,075 |
| 2008-03-31 | Rank | |
| # of Employees: | 19 | 6,187 |
| Assets and Liabilities | ||
| Total Assets: | $55,554,000 | 6,661 |
| Cash and due from depository institutions | $2,685,000 | 6,187 |
| Interest-bearing balances | $1,000 | 6,689 |
| Securities | $7,815,000 | 6,385 |
| Federal funds sold & reverse repurchase agreements | $1,910,000 | 5,018 |
| Net loans & leases | $40,757,000 | 6,170 |
| Loan loss allowance | $502,000 | 6,037 |
| Trading account assets | $0 | 252 |
| Bank premises and fixed assets | $688,000 | 6,444 |
| Other real estate owned | $0 | 6,187 |
| Goodwill and other intangibles | $0 | 3,304 |
| All other assets | $1,699,000 | 5,491 |
| Life insurance assets | $1,031,000 | 2,989 |
| Total liabilities and capital | $55,554,000 | 6,661 |
| Total liabilities | $49,950,000 | 6,587 |
| Total deposits | $48,321,000 | 6,498 |
| Interest-bearing deposits | $41,442,000 | 6,461 |
| Deposits held in domestic offices | $48,321,000 | 6,497 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,351,000 | 2,447 |
| Trading liabilities | $0 | 86 |
| Other borrowed funds | $0 | 5,604 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $278,000 | 6,847 |
| Total equity capital | $5,604,000 | 7,085 |
| Total bank equity capital | $5,604,000 | 7,085 |
| Perpetual preferred stock | $0 | 108 |
| Common stock | $150,000 | 5,956 |
| Surplus | $3,446,000 | 4,796 |
| Undivided profits | $2,008,000 | 6,221 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $307,000 | 5,468 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,070 |
| Income earned, not collected on loans | $230,000 | 7,474 |
| Earning assets | $50,483,000 | 6,690 |
| Long-term assets (5+ years) | $8,952,000 | 5,405 |
| Average Assets, year-to-date | $56,074,500 | 6,605 |
| Average Assets, quarterly | $56,074,500 | 6,605 |
| Volatile liabilities | $5,984,000 | 7,074 |
| Insider loans | $833,000 | 4,662 |
| FHLB advances | $0 | 5,198 |
| Loans and leases held for sale | $927,000 | 969 |
| Unused loan commitments | $8,351,000 | 5,188 |
| Tier 1 (core) risk-based capital | $5,535,000 | 7,015 |
| Tier 2 risk-based capital | $518,000 | 5,743 |
| Total risk weighted assets | $45,536,000 | 6,130 |
| Total unused commitments | $8,351,000 | 5,189 |
| Derivatives | $0 | 1,109 |
| 2007-12-31 | Rank | |
| # of Employees: | 19 | 6,196 |
| Assets and Liabilities | ||
| Total Assets: | $56,595,000 | 6,593 |
| Cash and due from depository institutions | $2,195,000 | 6,196 |
| Interest-bearing balances | $4,000 | 6,467 |
| Securities | $8,312,000 | 6,368 |
| Federal funds sold & reverse repurchase agreements | $1,555,000 | 4,508 |
| Net loans & leases | $41,966,000 | 6,121 |
| Loan loss allowance | $495,000 | 6,052 |
| Trading account assets | $0 | 237 |
| Bank premises and fixed assets | $685,000 | 6,478 |
| Other real estate owned | $0 | 6,196 |
| Goodwill and other intangibles | $0 | 3,293 |
| All other assets | $1,882,000 | 5,327 |
| Life insurance assets | $1,022,000 | 2,986 |
| Total liabilities and capital | $56,594,000 | 6,593 |
| Total liabilities | $51,284,000 | 6,497 |
| Total deposits | $49,801,000 | 6,412 |
| Interest-bearing deposits | $42,064,000 | 6,368 |
| Deposits held in domestic offices | $49,801,000 | 6,411 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,242,000 | 2,663 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $0 | 5,553 |
| Subordinated debt | $0 | 248 |
| All other liabilities | $241,000 | 7,066 |
| Total equity capital | $5,310,000 | 7,167 |
| Total bank equity capital | $5,310,000 | 7,167 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $150,000 | 5,995 |
| Surplus | $3,446,000 | 4,771 |
| Undivided profits | $1,714,000 | 6,429 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $286,000 | 5,328 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,085 |
| Income earned, not collected on loans | $246,000 | 7,514 |
| Earning assets | $51,837,000 | 6,590 |
| Long-term assets (5+ years) | $8,934,000 | 5,145 |
| Average Assets, year-to-date | $56,345,400 | 6,498 |
| Average Assets, quarterly | $57,193,500 | 6,546 |
| Volatile liabilities | $7,822,000 | 6,678 |
| Insider loans | $1,149,000 | 4,116 |
| FHLB advances | $0 | 5,108 |
| Loans and leases held for sale | $570,000 | 1,147 |
| Unused loan commitments | $7,881,000 | 5,218 |
| Tier 1 (core) risk-based capital | $5,318,000 | 7,104 |
| Tier 2 risk-based capital | $508,000 | 5,794 |
| Total risk weighted assets | $44,079,000 | 6,214 |
| Total unused commitments | $7,881,000 | 5,218 |
| Derivatives | $0 | 1,052 |
| 2007-09-30 | Rank | |
| # of Employees: | 18 | 6,356 |
| Assets and Liabilities | ||
| Total Assets: | $57,792,000 | 6,542 |
| Cash and due from depository institutions | $3,190,000 | 6,356 |
| Interest-bearing balances | $1,000 | 6,533 |
| Securities | $9,622,000 | 6,147 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,196 |
| Net loans & leases | $42,517,000 | 6,075 |
| Loan loss allowance | $504,000 | 6,001 |
| Trading account assets | $0 | 244 |
| Bank premises and fixed assets | $680,000 | 6,505 |
| Other real estate owned | $0 | 6,356 |
| Goodwill and other intangibles | $0 | 3,301 |
| All other assets | $1,783,000 | 5,529 |
| Life insurance assets | $997,000 | 2,973 |
| Total liabilities and capital | $57,793,000 | 6,542 |
| Total liabilities | $52,793,000 | 6,424 |
| Total deposits | $50,028,000 | 6,399 |
| Interest-bearing deposits | $42,042,000 | 6,382 |
| Deposits held in domestic offices | $50,028,000 | 6,398 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,506,000 | 2,192 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $0 | 5,543 |
| Subordinated debt | $0 | 244 |
| All other liabilities | $259,000 | 7,119 |
| Total equity capital | $5,000,000 | 7,278 |
| Total bank equity capital | $5,000,000 | 7,278 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $150,000 | 6,006 |
| Surplus | $3,446,000 | 4,744 |
| Undivided profits | $1,404,000 | 6,691 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $311,000 | 5,064 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,109 |
| Income earned, not collected on loans | $269,000 | 7,553 |
| Earning assets | $52,140,000 | 6,586 |
| Long-term assets (5+ years) | $10,540,000 | 4,748 |
| Average Assets, year-to-date | $56,283,000 | 6,526 |
| Average Assets, quarterly | $56,197,500 | 6,580 |
| Volatile liabilities | $8,432,000 | 6,539 |
| Insider loans | $521,000 | 5,408 |
| FHLB advances | $0 | 5,081 |
| Loans and leases held for sale | $176,000 | 1,512 |
| Unused loan commitments | $7,781,000 | 5,250 |
| Tier 1 (core) risk-based capital | $5,082,000 | 7,201 |
| Tier 2 risk-based capital | $519,000 | 5,741 |
| Total risk weighted assets | $45,255,000 | 6,131 |
| Total unused commitments | $7,781,000 | 5,251 |
| Derivatives | $0 | 1,033 |
| 2007-06-30 | Rank | |
| # of Employees: | 18 | 6,399 |
| Assets and Liabilities | ||
| Total Assets: | $54,603,000 | 6,690 |
| Cash and due from depository institutions | $2,841,000 | 6,399 |
| Interest-bearing balances | $1,000 | 6,551 |
| Securities | $7,369,000 | 6,642 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,299 |
| Net loans & leases | $41,822,000 | 6,135 |
| Loan loss allowance | $484,000 | 6,119 |
| Trading account assets | $0 | 245 |
| Bank premises and fixed assets | $692,000 | 6,502 |
| Other real estate owned | $0 | 6,399 |
| Goodwill and other intangibles | $0 | 3,329 |
| All other assets | $1,879,000 | 5,383 |
| Life insurance assets | $989,000 | 2,991 |
| Total liabilities and capital | $54,603,000 | 6,690 |
| Total liabilities | $49,860,000 | 6,572 |
| Total deposits | $47,667,000 | 6,531 |
| Interest-bearing deposits | $40,249,000 | 6,513 |
| Deposits held in domestic offices | $47,667,000 | 6,529 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,926,000 | 2,316 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,494 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $267,000 | 6,934 |
| Total equity capital | $4,743,000 | 7,355 |
| Total bank equity capital | $4,743,000 | 7,355 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $150,000 | 6,042 |
| Surplus | $3,446,000 | 4,744 |
| Undivided profits | $1,147,000 | 6,840 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $206,000 | 5,485 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,127 |
| Income earned, not collected on loans | $187,000 | 7,931 |
| Earning assets | $49,192,000 | 6,725 |
| Long-term assets (5+ years) | $8,903,000 | 4,987 |
| Average Assets, year-to-date | $55,780,000 | 6,588 |
| Average Assets, quarterly | $55,866,500 | 6,609 |
| Volatile liabilities | $7,951,000 | 6,633 |
| Insider loans | $529,000 | 5,388 |
| FHLB advances | $0 | 5,027 |
| Loans and leases held for sale | $134,000 | 1,655 |
| Unused loan commitments | $7,686,000 | 5,327 |
| Tier 1 (core) risk-based capital | $4,900,000 | 7,284 |
| Tier 2 risk-based capital | $497,000 | 5,849 |
| Total risk weighted assets | $44,577,000 | 6,176 |
| Total unused commitments | $7,686,000 | 5,329 |
| Derivatives | $0 | 1,067 |
| 2007-03-31 | Rank | |
| # of Employees: | 17 | 6,556 |
| Assets and Liabilities | ||
| Total Assets: | $57,130,000 | 6,591 |
| Cash and due from depository institutions | $2,137,000 | 6,556 |
| Interest-bearing balances | $3,000 | 6,507 |
| Securities | $8,782,000 | 6,378 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,772 |
| Net loans & leases | $43,712,000 | 6,002 |
| Loan loss allowance | $483,000 | 6,120 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $703,000 | 6,486 |
| Other real estate owned | $0 | 6,556 |
| Goodwill and other intangibles | $0 | 3,322 |
| All other assets | $1,796,000 | 5,378 |
| Life insurance assets | $981,000 | 2,998 |
| Total liabilities and capital | $57,130,000 | 6,591 |
| Total liabilities | $52,528,000 | 6,464 |
| Total deposits | $48,328,000 | 6,519 |
| Interest-bearing deposits | $41,038,000 | 6,474 |
| Deposits held in domestic offices | $48,328,000 | 6,517 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,939,000 | 1,707 |
| Trading liabilities | $0 | 89 |
| Other borrowed funds | $0 | 5,479 |
| Subordinated debt | $0 | 262 |
| All other liabilities | $261,000 | 6,932 |
| Total equity capital | $4,602,000 | 7,438 |
| Total bank equity capital | $4,602,000 | 7,438 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $150,000 | 6,064 |
| Surplus | $3,446,000 | 4,716 |
| Undivided profits | $1,006,000 | 7,023 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $222,000 | 5,292 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,132 |
| Income earned, not collected on loans | $231,000 | 7,668 |
| Earning assets | $52,497,000 | 6,592 |
| Long-term assets (5+ years) | $9,722,000 | 4,772 |
| Average Assets, year-to-date | $56,368,500 | 6,600 |
| Average Assets, quarterly | $56,368,500 | 6,600 |
| Volatile liabilities | $12,042,000 | 5,770 |
| Insider loans | $644,000 | 5,087 |
| FHLB advances | $0 | 5,010 |
| Loans and leases held for sale | $470,000 | 1,278 |
| Unused loan commitments | $7,298,000 | 5,443 |
| Tier 1 (core) risk-based capital | $4,660,000 | 7,379 |
| Tier 2 risk-based capital | $497,000 | 5,840 |
| Total risk weighted assets | $45,294,000 | 6,126 |
| Total unused commitments | $7,298,000 | 5,443 |
| Derivatives | $0 | 1,065 |
| 2006-12-31 | Rank | |
| # of Employees: | 18 | 6,407 |
| Assets and Liabilities | ||
| Total Assets: | $55,607,000 | 6,644 |
| Cash and due from depository institutions | $2,016,000 | 6,407 |
| Interest-bearing balances | $5,000 | 6,425 |
| Securities | $8,890,000 | 6,403 |
| Federal funds sold & reverse repurchase agreements | $585,000 | 5,685 |
| Net loans & leases | $41,472,000 | 6,112 |
| Loan loss allowance | $482,000 | 6,126 |
| Trading account assets | $0 | 156 |
| Bank premises and fixed assets | $716,000 | 6,468 |
| Other real estate owned | $0 | 6,407 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $1,928,000 | 5,278 |
| Life insurance assets | $972,000 | 2,974 |
| Total liabilities and capital | $55,607,000 | 6,644 |
| Total liabilities | $51,193,000 | 6,512 |
| Total deposits | $50,104,000 | 6,409 |
| Interest-bearing deposits | $42,163,000 | 6,357 |
| Deposits held in domestic offices | $50,104,000 | 6,408 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $826,000 | 2,725 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $0 | 5,610 |
| Subordinated debt | $0 | 264 |
| All other liabilities | $263,000 | 6,881 |
| Total equity capital | $4,414,000 | 7,500 |
| Total bank equity capital | $4,414,000 | 7,500 |
| Perpetual preferred stock | $0 | 112 |
| Common stock | $150,000 | 6,092 |
| Surplus | $3,445,000 | 4,688 |
| Undivided profits | $819,000 | 7,201 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $178,000 | 5,446 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,087 |
| Income earned, not collected on loans | $246,000 | 7,649 |
| Earning assets | $50,952,000 | 6,647 |
| Long-term assets (5+ years) | $9,848,000 | 4,698 |
| Average Assets, year-to-date | $52,027,000 | 6,707 |
| Average Assets, quarterly | $53,704,000 | 6,711 |
| Volatile liabilities | $9,127,000 | 6,374 |
| Insider loans | $728,000 | 4,850 |
| FHLB advances | $0 | 5,139 |
| Loans and leases held for sale | $388,000 | 1,282 |
| Unused loan commitments | $7,715,000 | 5,267 |
| Tier 1 (core) risk-based capital | $4,481,000 | 7,448 |
| Tier 2 risk-based capital | $494,000 | 5,855 |
| Total risk weighted assets | $43,522,000 | 6,198 |
| Total unused commitments | $7,715,000 | 5,268 |
| Derivatives | $0 | 1,023 |
| 2006-09-30 | Rank | |
| # of Employees: | 16 | 6,774 |
| Assets and Liabilities | ||
| Total Assets: | $51,801,000 | 6,825 |
| Cash and due from depository institutions | $2,706,000 | 6,774 |
| Interest-bearing balances | $15,000 | 6,179 |
| Securities | $5,861,000 | 7,138 |
| Federal funds sold & reverse repurchase agreements | $330,000 | 5,466 |
| Net loans & leases | $40,265,000 | 6,208 |
| Loan loss allowance | $494,000 | 6,093 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $724,000 | 6,479 |
| Other real estate owned | $0 | 6,774 |
| Goodwill and other intangibles | $0 | 3,332 |
| All other assets | $1,915,000 | 5,316 |
| Life insurance assets | $964,000 | 2,953 |
| Total liabilities and capital | $51,801,000 | 6,825 |
| Total liabilities | $46,105,000 | 6,764 |
| Total deposits | $45,572,000 | 6,616 |
| Interest-bearing deposits | $37,664,000 | 6,639 |
| Deposits held in domestic offices | $45,572,000 | 6,614 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $226,000 | 3,379 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $0 | 5,812 |
| Subordinated debt | $0 | 269 |
| All other liabilities | $307,000 | 6,691 |
| Total equity capital | $5,696,000 | 7,001 |
| Total bank equity capital | $5,696,000 | 7,001 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $150,000 | 6,140 |
| Surplus | $3,433,000 | 4,675 |
| Undivided profits | $2,113,000 | 6,320 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $331,000 | 4,608 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,131 |
| Income earned, not collected on loans | $222,000 | 7,850 |
| Earning assets | $46,471,000 | 6,884 |
| Long-term assets (5+ years) | $6,829,000 | 5,323 |
| Average Assets, year-to-date | $51,132,000 | 6,787 |
| Average Assets, quarterly | $51,301,500 | 6,816 |
| Volatile liabilities | $5,473,000 | 7,291 |
| Insider loans | $789,000 | 4,667 |
| FHLB advances | $0 | 5,308 |
| Loans and leases held for sale | $638,000 | 1,106 |
| Unused loan commitments | $5,993,000 | 5,749 |
| Tier 1 (core) risk-based capital | $5,778,000 | 6,929 |
| Tier 2 risk-based capital | $506,000 | 5,810 |
| Total risk weighted assets | $41,984,000 | 6,272 |
| Total unused commitments | $5,993,000 | 5,749 |
| Derivatives | $0 | 1,023 |
| 2006-06-30 | Rank | |
| # of Employees: | 17 | 6,627 |
| Assets and Liabilities | ||
| Total Assets: | $50,802,000 | 6,871 |
| Cash and due from depository institutions | $3,483,000 | 6,627 |
| Interest-bearing balances | $16,000 | 6,170 |
| Securities | $5,013,000 | 7,371 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,870 |
| Net loans & leases | $39,795,000 | 6,228 |
| Loan loss allowance | $506,000 | 6,039 |
| Trading account assets | $0 | 157 |
| Bank premises and fixed assets | $737,000 | 6,450 |
| Other real estate owned | $0 | 6,627 |
| Goodwill and other intangibles | $0 | 3,333 |
| All other assets | $1,774,000 | 5,446 |
| Life insurance assets | $956,000 | 2,921 |
| Total liabilities and capital | $50,803,000 | 6,871 |
| Total liabilities | $45,350,000 | 6,815 |
| Total deposits | $43,807,000 | 6,708 |
| Interest-bearing deposits | $35,838,000 | 6,765 |
| Deposits held in domestic offices | $43,807,000 | 6,706 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,279,000 | 2,767 |
| Trading liabilities | $0 | 73 |
| Other borrowed funds | $0 | 5,848 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $264,000 | 6,732 |
| Total equity capital | $5,453,000 | 7,033 |
| Total bank equity capital | $5,453,000 | 7,033 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $150,000 | 6,157 |
| Surplus | $3,433,000 | 4,651 |
| Undivided profits | $1,870,000 | 6,391 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $200,000 | 5,230 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,150 |
| Income earned, not collected on loans | $212,000 | 7,801 |
| Earning assets | $44,824,000 | 6,957 |
| Long-term assets (5+ years) | $6,481,000 | 5,374 |
| Average Assets, year-to-date | $50,909,000 | 6,821 |
| Average Assets, quarterly | $50,338,000 | 6,859 |
| Volatile liabilities | $4,667,000 | 7,497 |
| Insider loans | $783,000 | 4,689 |
| FHLB advances | $0 | 5,334 |
| Loans and leases held for sale | $1,019,000 | 921 |
| Unused loan commitments | $6,441,000 | 5,673 |
| Tier 1 (core) risk-based capital | $5,576,000 | 6,986 |
| Tier 2 risk-based capital | $506,000 | 5,806 |
| Total risk weighted assets | $40,455,000 | 6,355 |
| Total unused commitments | $6,441,000 | 5,674 |
| Derivatives | $0 | 1,000 |
| 2006-03-31 | Rank | |
| # of Employees: | 17 | 6,609 |
| Assets and Liabilities | ||
| Total Assets: | $49,874,000 | 6,909 |
| Cash and due from depository institutions | $2,710,000 | 6,609 |
| Interest-bearing balances | $15,000 | 6,254 |
| Securities | $5,242,000 | 7,357 |
| Federal funds sold & reverse repurchase agreements | $505,000 | 5,619 |
| Net loans & leases | $38,851,000 | 6,240 |
| Loan loss allowance | $509,000 | 6,022 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $747,000 | 6,423 |
| Other real estate owned | $0 | 6,609 |
| Goodwill and other intangibles | $0 | 3,321 |
| All other assets | $1,819,000 | 5,290 |
| Life insurance assets | $948,000 | 2,888 |
| Total liabilities and capital | $49,874,000 | 6,909 |
| Total liabilities | $44,575,000 | 6,867 |
| Total deposits | $43,955,000 | 6,740 |
| Interest-bearing deposits | $37,094,000 | 6,690 |
| Deposits held in domestic offices | $43,955,000 | 6,738 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $399,000 | 3,037 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $0 | 5,773 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $221,000 | 6,978 |
| Total equity capital | $5,299,000 | 7,071 |
| Total bank equity capital | $5,299,000 | 7,071 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $150,000 | 6,169 |
| Surplus | $3,433,000 | 4,586 |
| Undivided profits | $1,716,000 | 6,539 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $229,000 | 5,054 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,164 |
| Income earned, not collected on loans | $202,000 | 7,816 |
| Earning assets | $44,613,000 | 6,956 |
| Long-term assets (5+ years) | $6,288,000 | 5,395 |
| Average Assets, year-to-date | $50,962,500 | 6,847 |
| Average Assets, quarterly | $50,962,500 | 6,847 |
| Volatile liabilities | $3,566,000 | 7,720 |
| Insider loans | $996,000 | 4,212 |
| FHLB advances | $0 | 5,285 |
| Loans and leases held for sale | $671,000 | 1,010 |
| Unused loan commitments | $6,364,000 | 5,687 |
| Tier 1 (core) risk-based capital | $5,374,000 | 7,023 |
| Tier 2 risk-based capital | $493,000 | 5,848 |
| Total risk weighted assets | $39,368,000 | 6,370 |
| Total unused commitments | $6,364,000 | 5,688 |
| Derivatives | $0 | 990 |
| 2005-12-31 | Rank | |
| # of Employees: | 16 | 6,800 |
| Assets and Liabilities | ||
| Total Assets: | $52,051,000 | 6,861 |
| Cash and due from depository institutions | $1,589,000 | 6,800 |
| Interest-bearing balances | $39,000 | 5,804 |
| Securities | $5,403,000 | 7,366 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,145 |
| Net loans & leases | $42,416,000 | 6,036 |
| Loan loss allowance | $504,000 | 6,035 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $751,000 | 6,407 |
| Other real estate owned | $0 | 6,800 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $1,892,000 | 5,196 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $52,051,000 | 6,861 |
| Total liabilities | $46,901,000 | 6,799 |
| Total deposits | $44,546,000 | 6,731 |
| Interest-bearing deposits | $36,670,000 | 6,733 |
| Deposits held in domestic offices | $44,546,000 | 6,729 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,130,000 | 2,273 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $0 | 5,856 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $225,000 | 6,896 |
| Total equity capital | $5,150,000 | 7,136 |
| Total bank equity capital | $5,150,000 | 7,136 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $150,000 | 6,191 |
| Surplus | $3,433,000 | 4,555 |
| Undivided profits | $1,567,000 | 6,713 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $210,000 | 5,235 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $213,000 | 7,781 |
| Earning assets | $47,858,000 | 6,845 |
| Long-term assets (5+ years) | $6,692,000 | 5,321 |
| Average Assets, year-to-date | $51,040,200 | 6,808 |
| Average Assets, quarterly | $52,046,000 | 6,828 |
| Volatile liabilities | $5,512,000 | 7,185 |
| Insider loans | $1,112,000 | 3,988 |
| FHLB advances | $0 | 5,326 |
| Loans and leases held for sale | $940,000 | 907 |
| Unused loan commitments | $6,743,000 | 5,500 |
| Tier 1 (core) risk-based capital | $5,217,000 | 7,098 |
| Tier 2 risk-based capital | $516,000 | 5,709 |
| Total risk weighted assets | $42,487,000 | 6,221 |
| Total unused commitments | $6,743,000 | 5,500 |
| Derivatives | $0 | 930 |
| 2005-09-30 | Rank | |
| # of Employees: | 17 | 6,665 |
| Assets and Liabilities | ||
| Total Assets: | $52,041,000 | 6,833 |
| Cash and due from depository institutions | $2,425,000 | 6,665 |
| Interest-bearing balances | $16,000 | 6,302 |
| Securities | $5,680,000 | 7,329 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,951 |
| Net loans & leases | $41,311,000 | 6,113 |
| Loan loss allowance | $514,000 | 5,986 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $758,000 | 6,389 |
| Other real estate owned | $2,000 | 6,665 |
| Goodwill and other intangibles | $0 | 3,310 |
| All other assets | $1,865,000 | 5,226 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $52,040,000 | 6,833 |
| Total liabilities | $47,035,000 | 6,757 |
| Total deposits | $45,401,000 | 6,637 |
| Interest-bearing deposits | $38,494,000 | 6,590 |
| Deposits held in domestic offices | $45,401,000 | 6,634 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,411,000 | 2,603 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $0 | 5,928 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $223,000 | 7,017 |
| Total equity capital | $5,005,000 | 7,230 |
| Total bank equity capital | $5,005,000 | 7,230 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $150,000 | 6,217 |
| Surplus | $3,425,000 | 4,521 |
| Undivided profits | $1,430,000 | 6,896 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $227,000 | 5,248 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $227,000 | 7,709 |
| Earning assets | $47,007,000 | 6,873 |
| Long-term assets (5+ years) | $6,617,000 | 5,392 |
| Average Assets, year-to-date | $50,787,500 | 6,831 |
| Average Assets, quarterly | $51,357,500 | 6,849 |
| Volatile liabilities | $4,766,000 | 7,416 |
| Insider loans | $1,059,000 | 4,046 |
| FHLB advances | $0 | 5,403 |
| Loans and leases held for sale | $1,166,000 | 888 |
| Unused loan commitments | $7,012,000 | 5,372 |
| Tier 1 (core) risk-based capital | $5,041,000 | 7,174 |
| Tier 2 risk-based capital | $524,000 | 5,682 |
| Total risk weighted assets | $41,623,000 | 6,273 |
| Total unused commitments | $7,012,000 | 5,373 |
| Derivatives | $0 | 909 |
| 2005-06-30 | Rank | |
| # of Employees: | 17 | 6,667 |
| Assets and Liabilities | ||
| Total Assets: | $50,674,000 | 6,890 |
| Cash and due from depository institutions | $1,462,000 | 6,667 |
| Interest-bearing balances | $15,000 | 6,300 |
| Securities | $6,001,000 | 7,289 |
| Federal funds sold & reverse repurchase agreements | $1,745,000 | 3,704 |
| Net loans & leases | $38,704,000 | 6,208 |
| Loan loss allowance | $522,000 | 5,917 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $769,000 | 6,339 |
| Other real estate owned | $141,000 | 6,667 |
| Goodwill and other intangibles | $0 | 3,307 |
| All other assets | $1,852,000 | 5,092 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $50,674,000 | 6,890 |
| Total liabilities | $45,873,000 | 6,798 |
| Total deposits | $45,324,000 | 6,636 |
| Interest-bearing deposits | $38,973,000 | 6,567 |
| Deposits held in domestic offices | $45,324,000 | 6,635 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $344,000 | 3,376 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,868 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $205,000 | 6,994 |
| Total equity capital | $4,801,000 | 7,300 |
| Total bank equity capital | $4,801,000 | 7,300 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $150,000 | 6,218 |
| Surplus | $3,425,000 | 4,482 |
| Undivided profits | $1,226,000 | 7,044 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $255,000 | 4,896 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $204,000 | 7,774 |
| Earning assets | $46,465,000 | 6,874 |
| Long-term assets (5+ years) | $7,747,000 | 5,182 |
| Average Assets, year-to-date | $50,369,670 | 6,860 |
| Average Assets, quarterly | $50,093,000 | 6,885 |
| Volatile liabilities | $3,687,000 | 7,672 |
| Insider loans | $898,000 | 4,367 |
| FHLB advances | $0 | 5,357 |
| Loans and leases held for sale | $1,154,000 | 933 |
| Unused loan commitments | $6,780,000 | 5,451 |
| Tier 1 (core) risk-based capital | $4,818,000 | 7,245 |
| Tier 2 risk-based capital | $494,000 | 5,812 |
| Total risk weighted assets | $39,221,000 | 6,362 |
| Total unused commitments | $6,780,000 | 5,451 |
| Derivatives | $0 | 866 |
| 2005-03-31 | Rank | |
| # of Employees: | 19 | 6,417 |
| Assets and Liabilities | ||
| Total Assets: | $49,512,000 | 6,975 |
| Cash and due from depository institutions | $1,833,000 | 6,417 |
| Interest-bearing balances | $15,000 | 6,351 |
| Securities | $6,260,000 | 7,310 |
| Federal funds sold & reverse repurchase agreements | $845,000 | 5,213 |
| Net loans & leases | $38,036,000 | 6,225 |
| Loan loss allowance | $529,000 | 5,902 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $779,000 | 6,344 |
| Other real estate owned | $41,000 | 6,417 |
| Goodwill and other intangibles | $0 | 3,297 |
| All other assets | $1,718,000 | 5,269 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $49,512,000 | 6,975 |
| Total liabilities | $44,931,000 | 6,894 |
| Total deposits | $44,325,000 | 6,757 |
| Interest-bearing deposits | $38,404,000 | 6,680 |
| Deposits held in domestic offices | $44,325,000 | 6,755 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $428,000 | 2,968 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,784 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $178,000 | 7,126 |
| Total equity capital | $4,581,000 | 7,413 |
| Total bank equity capital | $4,581,000 | 7,413 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $150,000 | 6,266 |
| Surplus | $3,425,000 | 4,470 |
| Undivided profits | $1,006,000 | 7,199 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $290,000 | 4,766 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $209,000 | 7,700 |
| Earning assets | $45,156,000 | 6,987 |
| Long-term assets (5+ years) | $7,326,000 | 5,349 |
| Average Assets, year-to-date | $50,217,500 | 6,928 |
| Average Assets, quarterly | $50,217,500 | 6,928 |
| Volatile liabilities | $3,757,000 | 7,634 |
| Insider loans | $937,000 | 4,279 |
| FHLB advances | $0 | 5,246 |
| Loans and leases held for sale | $906,000 | 946 |
| Unused loan commitments | $6,506,000 | 5,497 |
| Tier 1 (core) risk-based capital | $4,626,000 | 7,370 |
| Tier 2 risk-based capital | $488,000 | 5,823 |
| Total risk weighted assets | $38,690,000 | 6,379 |
| Total unused commitments | $6,506,000 | 5,500 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 16 | 6,861 |
| Assets and Liabilities | ||
| Total Assets: | $50,923,000 | 6,932 |
| Cash and due from depository institutions | $1,811,000 | 6,861 |
| Interest-bearing balances | $15,000 | 6,328 |
| Securities | $6,633,000 | 7,215 |
| Federal funds sold & reverse repurchase agreements | $400,000 | 5,568 |
| Net loans & leases | $39,477,000 | 6,160 |
| Loan loss allowance | $499,000 | 6,048 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $793,000 | 6,301 |
| Other real estate owned | $41,000 | 6,861 |
| Goodwill and other intangibles | $4,000 | 3,235 |
| All other assets | $1,764,000 | 5,154 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $50,923,000 | 6,932 |
| Total liabilities | $46,486,000 | 6,849 |
| Total deposits | $46,146,000 | 6,678 |
| Interest-bearing deposits | $38,573,000 | 6,663 |
| Deposits held in domestic offices | $46,146,000 | 6,676 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $216,000 | 3,287 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $0 | 5,836 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $124,000 | 7,642 |
| Total equity capital | $4,437,000 | 7,518 |
| Total bank equity capital | $4,437,000 | 7,518 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $150,000 | 6,292 |
| Surplus | $3,425,000 | 4,451 |
| Undivided profits | $862,000 | 7,463 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $320,000 | 4,627 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $197,000 | 7,812 |
| Earning assets | $46,525,000 | 6,931 |
| Long-term assets (5+ years) | $7,823,000 | 5,283 |
| Average Assets, year-to-date | $48,734,200 | 6,936 |
| Average Assets, quarterly | $50,002,000 | 6,939 |
| Volatile liabilities | $3,645,000 | 7,669 |
| Insider loans | $835,000 | 4,482 |
| FHLB advances | $0 | 5,260 |
| Loans and leases held for sale | $757,000 | 973 |
| Unused loan commitments | $6,244,000 | 5,439 |
| Tier 1 (core) risk-based capital | $4,429,000 | 7,461 |
| Tier 2 risk-based capital | $499,000 | 5,760 |
| Total risk weighted assets | $40,121,000 | 6,307 |
| Total unused commitments | $6,244,000 | 5,441 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 19 | 6,418 |
| Assets and Liabilities | ||
| Total Assets: | $49,081,000 | 7,000 |
| Cash and due from depository institutions | $1,208,000 | 6,418 |
| Interest-bearing balances | $14,000 | 6,440 |
| Securities | $6,882,000 | 7,214 |
| Federal funds sold & reverse repurchase agreements | $170,000 | 5,620 |
| Net loans & leases | $38,382,000 | 6,224 |
| Loan loss allowance | $459,000 | 6,315 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $803,000 | 6,275 |
| Other real estate owned | $41,000 | 6,418 |
| Goodwill and other intangibles | $5,000 | 3,195 |
| All other assets | $1,590,000 | 5,416 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $49,081,000 | 7,000 |
| Total liabilities | $44,809,000 | 6,897 |
| Total deposits | $44,605,000 | 6,706 |
| Interest-bearing deposits | $37,147,000 | 6,765 |
| Deposits held in domestic offices | $44,605,000 | 6,704 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,000 | 3,675 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $0 | 5,863 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $200,000 | 7,130 |
| Total equity capital | $4,272,000 | 7,621 |
| Total bank equity capital | $4,272,000 | 7,621 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $150,000 | 6,334 |
| Surplus | $3,384,000 | 4,453 |
| Undivided profits | $738,000 | 7,646 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $344,000 | 4,721 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $211,000 | 7,812 |
| Earning assets | $45,448,000 | 6,973 |
| Long-term assets (5+ years) | $8,048,000 | 5,349 |
| Average Assets, year-to-date | $48,187,000 | 6,996 |
| Average Assets, quarterly | $48,235,000 | 7,019 |
| Volatile liabilities | $3,236,000 | 7,876 |
| Insider loans | $1,069,000 | 3,952 |
| FHLB advances | $0 | 5,299 |
| Loans and leases held for sale | $787,000 | 992 |
| Unused loan commitments | $7,179,000 | 5,094 |
| Tier 1 (core) risk-based capital | $4,243,000 | 7,559 |
| Tier 2 risk-based capital | $459,000 | 6,007 |
| Total risk weighted assets | $39,623,000 | 6,321 |
| Total unused commitments | $7,179,000 | 5,100 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 19 | 6,481 |
| Assets and Liabilities | ||
| Total Assets: | $47,389,000 | 7,108 |
| Cash and due from depository institutions | $1,254,000 | 6,481 |
| Interest-bearing balances | $14,000 | 6,448 |
| Securities | $7,174,000 | 7,222 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,884 |
| Net loans & leases | $36,267,000 | 6,336 |
| Loan loss allowance | $459,000 | 6,302 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $821,000 | 6,251 |
| Other real estate owned | $41,000 | 6,481 |
| Goodwill and other intangibles | $5,000 | 3,206 |
| All other assets | $1,827,000 | 5,037 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $47,389,000 | 7,108 |
| Total liabilities | $43,446,000 | 7,010 |
| Total deposits | $41,540,000 | 6,943 |
| Interest-bearing deposits | $35,093,000 | 6,926 |
| Deposits held in domestic offices | $41,540,000 | 6,942 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,727,000 | 2,500 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,862 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $179,000 | 7,073 |
| Total equity capital | $3,943,000 | 7,740 |
| Total bank equity capital | $3,943,000 | 7,740 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $150,000 | 6,379 |
| Surplus | $3,384,000 | 4,428 |
| Undivided profits | $409,000 | 7,859 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $497,000 | 4,010 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $202,000 | 7,804 |
| Earning assets | $43,455,000 | 7,088 |
| Long-term assets (5+ years) | $8,801,000 | 5,286 |
| Average Assets, year-to-date | $47,889,000 | 7,054 |
| Average Assets, quarterly | $46,980,000 | 7,110 |
| Volatile liabilities | $5,132,000 | 7,188 |
| Insider loans | $1,112,000 | 3,850 |
| FHLB advances | $0 | 5,298 |
| Loans and leases held for sale | $440,000 | 1,221 |
| Unused loan commitments | $7,618,000 | 4,994 |
| Tier 1 (core) risk-based capital | $4,031,000 | 7,670 |
| Tier 2 risk-based capital | $459,000 | 5,968 |
| Total risk weighted assets | $38,415,000 | 6,396 |
| Total unused commitments | $7,618,000 | 4,997 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 18 | 6,622 |
| Assets and Liabilities | ||
| Total Assets: | $46,571,000 | 7,184 |
| Cash and due from depository institutions | $1,070,000 | 6,622 |
| Interest-bearing balances | $17,000 | 6,449 |
| Securities | $7,310,000 | 7,184 |
| Federal funds sold & reverse repurchase agreements | $2,630,000 | 4,101 |
| Net loans & leases | $33,166,000 | 6,518 |
| Loan loss allowance | $467,000 | 6,254 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $838,000 | 6,208 |
| Other real estate owned | $0 | 6,622 |
| Goodwill and other intangibles | $7,000 | 3,172 |
| All other assets | $1,550,000 | 5,302 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $46,571,000 | 7,184 |
| Total liabilities | $42,810,000 | 7,067 |
| Total deposits | $42,527,000 | 6,915 |
| Interest-bearing deposits | $36,469,000 | 6,858 |
| Deposits held in domestic offices | $42,527,000 | 6,912 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $118,000 | 3,079 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $0 | 5,747 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $165,000 | 7,390 |
| Total equity capital | $3,761,000 | 7,897 |
| Total bank equity capital | $3,761,000 | 7,897 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $150,000 | 6,396 |
| Surplus | $3,284,000 | 4,462 |
| Undivided profits | $327,000 | 8,109 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $505,000 | 4,082 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $185,000 | 7,949 |
| Earning assets | $43,123,000 | 7,136 |
| Long-term assets (5+ years) | $8,763,000 | 5,240 |
| Average Assets, year-to-date | $48,139,000 | 7,086 |
| Average Assets, quarterly | $48,139,000 | 7,086 |
| Volatile liabilities | $3,326,000 | 7,799 |
| Insider loans | $902,000 | 4,238 |
| FHLB advances | $0 | 5,150 |
| Loans and leases held for sale | $287,000 | 1,513 |
| Unused loan commitments | $6,809,000 | 5,226 |
| Tier 1 (core) risk-based capital | $3,714,000 | 7,823 |
| Tier 2 risk-based capital | $452,000 | 5,990 |
| Total risk weighted assets | $36,069,000 | 6,529 |
| Total unused commitments | $6,809,000 | 5,238 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 19 | 6,499 |
| Assets and Liabilities | ||
| Total Assets: | $49,707,000 | 7,026 |
| Cash and due from depository institutions | $1,073,000 | 6,499 |
| Interest-bearing balances | $10,000 | 6,621 |
| Securities | $10,776,000 | 6,446 |
| Federal funds sold & reverse repurchase agreements | $3,725,000 | 2,880 |
| Net loans & leases | $31,586,000 | 6,653 |
| Loan loss allowance | $463,000 | 6,265 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $857,000 | 6,188 |
| Other real estate owned | $0 | 6,499 |
| Goodwill and other intangibles | $9,000 | 3,151 |
| All other assets | $1,681,000 | 5,116 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $49,707,000 | 7,026 |
| Total liabilities | $46,105,000 | 6,897 |
| Total deposits | $45,817,000 | 6,709 |
| Interest-bearing deposits | $38,091,000 | 6,727 |
| Deposits held in domestic offices | $45,817,000 | 6,707 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $143,000 | 3,316 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $0 | 5,772 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $145,000 | 7,584 |
| Total equity capital | $3,602,000 | 7,988 |
| Total bank equity capital | $3,602,000 | 7,988 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $150,000 | 6,447 |
| Surplus | $3,284,000 | 4,435 |
| Undivided profits | $168,000 | 8,275 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $525,000 | 4,016 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $206,000 | 7,853 |
| Earning assets | $46,097,000 | 6,983 |
| Long-term assets (5+ years) | $12,178,000 | 4,628 |
| Average Assets, year-to-date | $49,707,000 | 6,919 |
| Average Assets, quarterly | $49,707,000 | 6,999 |
| Volatile liabilities | $3,633,000 | 7,733 |
| Insider loans | $936,000 | 4,192 |
| FHLB advances | $0 | 5,171 |
| Loans and leases held for sale | $491,000 | 1,149 |
| Unused loan commitments | $6,547,000 | 5,214 |
| Tier 1 (core) risk-based capital | $3,505,000 | 7,959 |
| Tier 2 risk-based capital | $437,000 | 6,099 |
| Total risk weighted assets | $34,903,000 | 6,642 |
| Total unused commitments | $6,547,000 | 5,219 |
| Derivatives | $0 | 665 |