Home > Michigan Heritage Bank > Assets and Liabilities
Michigan Heritage Bank, Assets and Liabilities
| 2009-03-31 | Rank | |
| # of Employees: | 29 | 4,825 |
| Assets and Liabilities | ||
| Total Assets: | $167,710,000 | 3,729 |
| Cash and due from depository institutions | $16,831,000 | 4,825 |
| Interest-bearing balances | $16,115,000 | 1,128 |
| Securities | $21,410,000 | 4,271 |
| Federal funds sold & reverse repurchase agreements | $143,000 | 5,277 |
| Net loans & leases | $115,025,000 | 3,635 |
| Loan loss allowance | $5,124,000 | 1,401 |
| Trading account assets | $0 | 234 |
| Bank premises and fixed assets | $2,008,000 | 4,495 |
| Other real estate owned | $2,804,000 | 4,825 |
| Goodwill and other intangibles | $0 | 3,204 |
| All other assets | $9,489,000 | 1,967 |
| Life insurance assets | $2,001,000 | 2,319 |
| Total liabilities and capital | $167,710,000 | 3,729 |
| Total liabilities | $161,348,000 | 3,527 |
| Total deposits | $149,065,000 | 3,489 |
| Interest-bearing deposits | $135,125,000 | 3,358 |
| Deposits held in domestic offices | $149,065,000 | 3,487 |
| % insured | 50.26% | 7,780 |
| Federal funds purchased & repurchase agreements | $5,000,000 | 1,514 |
| Trading liabilities | $0 | 92 |
| Other borrowed funds | $6,000,000 | 3,671 |
| Subordinated debt | $0 | 271 |
| All other liabilities | $1,283,000 | 3,192 |
| Total equity capital | $6,362,000 | 6,628 |
| Total bank equity capital | $5,931,000 | 6,792 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $3,000,000 | 1,469 |
| Surplus | $9,820,000 | 2,705 |
| Undivided profits | $-6,889,000 | 7,936 |
| Noncontrolling interests in consolidated subsidiaries | $431,000 | 106 |
| Memoranda | ||
| Noncurrent loans and leases | $15,331,000 | 914 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,134 |
| Income earned, not collected on loans | $1,065,000 | 3,254 |
| Earning assets | $152,693,000 | 3,744 |
| Long-term assets (5+ years) | $6,682,000 | 5,953 |
| Average Assets, year-to-date | $173,681,500 | 3,594 |
| Average Assets, quarterly | $173,681,500 | 3,594 |
| Volatile liabilities | $80,474,000 | 1,882 |
| Insider loans | $0 | 7,405 |
| FHLB advances | $6,000,000 | 3,530 |
| Loans and leases held for sale | $0 | 1,892 |
| Unused loan commitments | $1,266,000 | 7,409 |
| Tier 1 (core) risk-based capital | $2,360,000 | 7,931 |
| Tier 2 risk-based capital | $1,783,000 | 2,867 |
| Total risk weighted assets | $139,542,000 | 3,277 |
| Total unused commitments | $1,266,000 | 7,411 |
| Derivatives | $0 | 1,177 |
| 2008-12-31 | Rank | |
| # of Employees: | 31 | 4,662 |
| Assets and Liabilities | ||
| Total Assets: | $179,653,000 | 3,501 |
| Cash and due from depository institutions | $14,525,000 | 4,662 |
| Interest-bearing balances | $13,882,000 | 817 |
| Securities | $26,435,000 | 3,757 |
| Federal funds sold & reverse repurchase agreements | $549,000 | 4,422 |
| Net loans & leases | $124,530,000 | 3,449 |
| Loan loss allowance | $5,336,000 | 1,321 |
| Trading account assets | $0 | 236 |
| Bank premises and fixed assets | $1,993,000 | 4,553 |
| Other real estate owned | $1,947,000 | 4,662 |
| Goodwill and other intangibles | $0 | 3,219 |
| All other assets | $9,674,000 | 1,960 |
| Life insurance assets | $1,983,000 | 2,336 |
| Total liabilities and capital | $179,653,000 | 3,501 |
| Total liabilities | $173,254,000 | 3,328 |
| Total deposits | $160,088,000 | 3,253 |
| Interest-bearing deposits | $148,142,000 | 3,041 |
| Deposits held in domestic offices | $160,088,000 | 3,251 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,000,000 | 1,683 |
| Trading liabilities | $0 | 88 |
| Other borrowed funds | $6,000,000 | 3,882 |
| Subordinated debt | $0 | 278 |
| All other liabilities | $2,166,000 | 2,154 |
| Total equity capital | $6,399,000 | 6,648 |
| Total bank equity capital | $6,399,000 | 6,648 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $3,000,000 | 1,468 |
| Surplus | $9,820,000 | 2,686 |
| Undivided profits | $-6,421,000 | 7,998 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $11,229,000 | 1,020 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,078 |
| Income earned, not collected on loans | $1,251,000 | 2,975 |
| Earning assets | $165,396,000 | 3,497 |
| Long-term assets (5+ years) | $14,079,000 | 4,722 |
| Average Assets, year-to-date | $183,031,800 | 3,373 |
| Average Assets, quarterly | $180,632,000 | 3,460 |
| Volatile liabilities | $86,577,000 | 1,736 |
| Insider loans | $0 | 7,451 |
| FHLB advances | $6,000,000 | 3,753 |
| Loans and leases held for sale | $0 | 1,663 |
| Unused loan commitments | $6,843,000 | 5,241 |
| Tier 1 (core) risk-based capital | $2,850,000 | 7,839 |
| Tier 2 risk-based capital | $1,902,000 | 2,728 |
| Total risk weighted assets | $149,469,000 | 3,133 |
| Total unused commitments | $6,843,000 | 5,247 |
| Derivatives | $0 | 1,109 |
| 2008-09-30 | Rank | |
| # of Employees: | 29 | 4,909 |
| Assets and Liabilities | ||
| Total Assets: | $181,611,000 | 3,451 |
| Cash and due from depository institutions | $2,255,000 | 4,909 |
| Interest-bearing balances | $1,305,000 | 2,736 |
| Securities | $27,555,000 | 3,585 |
| Federal funds sold & reverse repurchase agreements | $5,036,000 | 2,249 |
| Net loans & leases | $135,733,000 | 3,228 |
| Loan loss allowance | $5,937,000 | 1,053 |
| Trading account assets | $0 | 251 |
| Bank premises and fixed assets | $2,066,000 | 4,493 |
| Other real estate owned | $969,000 | 4,909 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $7,997,000 | 2,264 |
| Life insurance assets | $1,964,000 | 2,346 |
| Total liabilities and capital | $181,611,000 | 3,451 |
| Total liabilities | $171,469,000 | 3,322 |
| Total deposits | $155,423,000 | 3,271 |
| Interest-bearing deposits | $146,284,000 | 3,026 |
| Deposits held in domestic offices | $155,423,000 | 3,268 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,000,000 | 1,760 |
| Trading liabilities | $0 | 91 |
| Other borrowed funds | $9,000,000 | 3,372 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $2,046,000 | 2,295 |
| Total equity capital | $10,142,000 | 5,406 |
| Total bank equity capital | $10,142,000 | 5,406 |
| Perpetual preferred stock | $0 | 110 |
| Common stock | $3,000,000 | 1,477 |
| Surplus | $9,820,000 | 2,675 |
| Undivided profits | $-2,678,000 | 7,857 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $15,625,000 | 670 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,110 |
| Income earned, not collected on loans | $1,311,000 | 2,991 |
| Earning assets | $169,629,000 | 3,409 |
| Long-term assets (5+ years) | $16,114,000 | 4,382 |
| Average Assets, year-to-date | $183,876,500 | 3,357 |
| Average Assets, quarterly | $180,201,500 | 3,456 |
| Volatile liabilities | $84,582,000 | 1,699 |
| Insider loans | $0 | 7,515 |
| FHLB advances | $9,000,000 | 3,242 |
| Loans and leases held for sale | $0 | 1,623 |
| Unused loan commitments | $2,971,000 | 6,714 |
| Tier 1 (core) risk-based capital | $9,257,000 | 5,618 |
| Tier 2 risk-based capital | $2,014,000 | 2,517 |
| Total risk weighted assets | $157,837,000 | 2,995 |
| Total unused commitments | $2,971,000 | 6,717 |
| Derivatives | $0 | 1,077 |
| 2008-06-30 | Rank | |
| # of Employees: | 34 | 4,477 |
| Assets and Liabilities | ||
| Total Assets: | $178,792,000 | 3,503 |
| Cash and due from depository institutions | $1,114,000 | 4,477 |
| Interest-bearing balances | $170,000 | 4,502 |
| Securities | $31,720,000 | 3,299 |
| Federal funds sold & reverse repurchase agreements | $1,789,000 | 4,006 |
| Net loans & leases | $133,448,000 | 3,250 |
| Loan loss allowance | $6,157,000 | 984 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $2,156,000 | 4,427 |
| Other real estate owned | $635,000 | 4,477 |
| Goodwill and other intangibles | $0 | 3,301 |
| All other assets | $7,930,000 | 2,217 |
| Life insurance assets | $1,944,000 | 2,371 |
| Total liabilities and capital | $178,792,000 | 3,503 |
| Total liabilities | $168,213,000 | 3,361 |
| Total deposits | $147,560,000 | 3,424 |
| Interest-bearing deposits | $141,005,000 | 3,110 |
| Deposits held in domestic offices | $147,560,000 | 3,421 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,000,000 | 1,796 |
| Trading liabilities | $0 | 94 |
| Other borrowed funds | $14,200,000 | 2,617 |
| Subordinated debt | $0 | 257 |
| All other liabilities | $1,453,000 | 2,959 |
| Total equity capital | $10,579,000 | 5,312 |
| Total bank equity capital | $10,579,000 | 5,312 |
| Perpetual preferred stock | $0 | 107 |
| Common stock | $3,000,000 | 1,480 |
| Surplus | $9,820,000 | 2,674 |
| Undivided profits | $-2,241,000 | 7,938 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $14,111,000 | 649 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,082 |
| Income earned, not collected on loans | $1,367,000 | 2,803 |
| Earning assets | $167,127,000 | 3,437 |
| Long-term assets (5+ years) | $19,114,000 | 4,064 |
| Average Assets, year-to-date | $184,631,670 | 3,362 |
| Average Assets, quarterly | $183,599,000 | 3,397 |
| Volatile liabilities | $72,841,000 | 1,938 |
| Insider loans | $0 | 7,572 |
| FHLB advances | $14,200,000 | 2,516 |
| Loans and leases held for sale | $0 | 1,725 |
| Unused loan commitments | $3,621,000 | 6,537 |
| Tier 1 (core) risk-based capital | $9,246,000 | 5,654 |
| Tier 2 risk-based capital | $1,992,000 | 2,494 |
| Total risk weighted assets | $155,181,000 | 3,022 |
| Total unused commitments | $3,621,000 | 6,537 |
| Derivatives | $0 | 1,075 |
| 2008-03-31 | Rank | |
| # of Employees: | 35 | 4,373 |
| Assets and Liabilities | ||
| Total Assets: | $188,406,000 | 3,353 |
| Cash and due from depository institutions | $1,368,000 | 4,373 |
| Interest-bearing balances | $418,000 | 3,794 |
| Securities | $31,949,000 | 3,299 |
| Federal funds sold & reverse repurchase agreements | $1,798,000 | 5,128 |
| Net loans & leases | $144,908,000 | 3,000 |
| Loan loss allowance | $2,965,000 | 1,854 |
| Trading account assets | $0 | 252 |
| Bank premises and fixed assets | $2,177,000 | 4,390 |
| Other real estate owned | $757,000 | 4,373 |
| Goodwill and other intangibles | $0 | 3,304 |
| All other assets | $5,449,000 | 2,859 |
| Life insurance assets | $1,922,000 | 2,373 |
| Total liabilities and capital | $188,406,000 | 3,353 |
| Total liabilities | $173,419,000 | 3,272 |
| Total deposits | $159,122,000 | 3,223 |
| Interest-bearing deposits | $152,262,000 | 2,920 |
| Deposits held in domestic offices | $159,122,000 | 3,220 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,000,000 | 1,665 |
| Trading liabilities | $0 | 86 |
| Other borrowed funds | $8,000,000 | 3,180 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $1,297,000 | 3,431 |
| Total equity capital | $14,987,000 | 4,269 |
| Total bank equity capital | $14,987,000 | 4,269 |
| Perpetual preferred stock | $0 | 108 |
| Common stock | $3,000,000 | 1,477 |
| Surplus | $9,820,000 | 2,654 |
| Undivided profits | $2,167,000 | 6,131 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $12,429,000 | 638 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,070 |
| Income earned, not collected on loans | $1,447,000 | 2,712 |
| Earning assets | $179,073,000 | 3,253 |
| Long-term assets (5+ years) | $26,187,000 | 3,361 |
| Average Assets, year-to-date | $187,551,500 | 3,324 |
| Average Assets, quarterly | $187,551,500 | 3,324 |
| Volatile liabilities | $78,340,000 | 1,775 |
| Insider loans | $0 | 7,597 |
| FHLB advances | $8,000,000 | 3,069 |
| Loans and leases held for sale | $0 | 1,797 |
| Unused loan commitments | $5,522,000 | 5,960 |
| Tier 1 (core) risk-based capital | $14,768,000 | 4,150 |
| Tier 2 risk-based capital | $2,059,000 | 2,382 |
| Total risk weighted assets | $163,783,000 | 2,851 |
| Total unused commitments | $5,522,000 | 5,964 |
| Derivatives | $0 | 1,109 |
| 2007-12-31 | Rank | |
| # of Employees: | 38 | 4,148 |
| Assets and Liabilities | ||
| Total Assets: | $186,697,000 | 3,326 |
| Cash and due from depository institutions | $1,685,000 | 4,148 |
| Interest-bearing balances | $167,000 | 4,177 |
| Securities | $26,975,000 | 3,693 |
| Federal funds sold & reverse repurchase agreements | $681,000 | 5,280 |
| Net loans & leases | $149,918,000 | 2,900 |
| Loan loss allowance | $3,438,000 | 1,613 |
| Trading account assets | $0 | 237 |
| Bank premises and fixed assets | $2,254,000 | 4,331 |
| Other real estate owned | $407,000 | 4,148 |
| Goodwill and other intangibles | $0 | 3,293 |
| All other assets | $4,777,000 | 3,160 |
| Life insurance assets | $1,409,000 | 2,679 |
| Total liabilities and capital | $186,697,000 | 3,326 |
| Total liabilities | $171,671,000 | 3,236 |
| Total deposits | $146,420,000 | 3,420 |
| Interest-bearing deposits | $139,308,000 | 3,128 |
| Deposits held in domestic offices | $146,420,000 | 3,418 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $14,600,000 | 1,071 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $9,000,000 | 2,879 |
| Subordinated debt | $0 | 248 |
| All other liabilities | $1,651,000 | 2,851 |
| Total equity capital | $15,026,000 | 4,206 |
| Total bank equity capital | $15,026,000 | 4,206 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $3,000,000 | 1,465 |
| Surplus | $9,820,000 | 2,622 |
| Undivided profits | $2,206,000 | 6,128 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $14,024,000 | 448 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,085 |
| Income earned, not collected on loans | $1,588,000 | 2,681 |
| Earning assets | $177,741,000 | 3,234 |
| Long-term assets (5+ years) | $23,716,000 | 3,345 |
| Average Assets, year-to-date | $182,493,400 | 3,297 |
| Average Assets, quarterly | $185,577,000 | 3,322 |
| Volatile liabilities | $74,532,000 | 1,885 |
| Insider loans | $0 | 7,621 |
| FHLB advances | $9,000,000 | 2,764 |
| Loans and leases held for sale | $0 | 1,738 |
| Unused loan commitments | $0 | 8,303 |
| Tier 1 (core) risk-based capital | $14,928,000 | 4,093 |
| Tier 2 risk-based capital | $2,106,000 | 2,294 |
| Total risk weighted assets | $166,670,000 | 2,782 |
| Total unused commitments | $0 | 8,303 |
| Derivatives | $0 | 1,052 |
| 2007-09-30 | Rank | |
| # of Employees: | 38 | 4,157 |
| Assets and Liabilities | ||
| Total Assets: | $184,457,000 | 3,320 |
| Cash and due from depository institutions | $2,638,000 | 4,157 |
| Interest-bearing balances | $708,000 | 2,709 |
| Securities | $27,626,000 | 3,627 |
| Federal funds sold & reverse repurchase agreements | $2,282,000 | 3,951 |
| Net loans & leases | $142,514,000 | 2,978 |
| Loan loss allowance | $1,877,000 | 2,653 |
| Trading account assets | $932,000 | 208 |
| Bank premises and fixed assets | $2,312,000 | 4,248 |
| Other real estate owned | $977,000 | 4,157 |
| Goodwill and other intangibles | $0 | 3,301 |
| All other assets | $5,176,000 | 3,007 |
| Life insurance assets | $1,396,000 | 2,644 |
| Total liabilities and capital | $184,457,000 | 3,320 |
| Total liabilities | $167,649,000 | 3,275 |
| Total deposits | $159,899,000 | 3,124 |
| Interest-bearing deposits | $150,178,000 | 2,879 |
| Deposits held in domestic offices | $159,899,000 | 3,121 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,436 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $5,000,000 | 3,448 |
| Subordinated debt | $0 | 244 |
| All other liabilities | $2,750,000 | 1,921 |
| Total equity capital | $16,808,000 | 3,813 |
| Total bank equity capital | $16,808,000 | 3,813 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $3,000,000 | 1,441 |
| Surplus | $9,820,000 | 2,568 |
| Undivided profits | $3,988,000 | 5,179 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $7,238,000 | 672 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,109 |
| Income earned, not collected on loans | $2,203,000 | 2,069 |
| Earning assets | $174,062,000 | 3,252 |
| Long-term assets (5+ years) | $23,685,000 | 3,239 |
| Average Assets, year-to-date | $181,442,500 | 3,304 |
| Average Assets, quarterly | $182,741,500 | 3,328 |
| Volatile liabilities | $66,163,000 | 2,028 |
| Insider loans | $0 | 7,654 |
| FHLB advances | $5,000,000 | 3,294 |
| Loans and leases held for sale | $0 | 1,751 |
| Unused loan commitments | $1,694,000 | 7,417 |
| Tier 1 (core) risk-based capital | $16,776,000 | 3,716 |
| Tier 2 risk-based capital | $1,877,000 | 2,517 |
| Total risk weighted assets | $159,538,000 | 2,849 |
| Total unused commitments | $1,694,000 | 7,420 |
| Derivatives | $0 | 1,033 |
| 2007-06-30 | Rank | |
| # of Employees: | 38 | 4,192 |
| Assets and Liabilities | ||
| Total Assets: | $181,026,000 | 3,372 |
| Cash and due from depository institutions | $1,518,000 | 4,192 |
| Interest-bearing balances | $53,000 | 5,327 |
| Securities | $27,908,000 | 3,595 |
| Federal funds sold & reverse repurchase agreements | $48,000 | 6,216 |
| Net loans & leases | $142,966,000 | 2,962 |
| Loan loss allowance | $1,851,000 | 2,673 |
| Trading account assets | $1,917,000 | 191 |
| Bank premises and fixed assets | $952,000 | 5,993 |
| Other real estate owned | $570,000 | 4,192 |
| Goodwill and other intangibles | $0 | 3,329 |
| All other assets | $5,147,000 | 2,991 |
| Life insurance assets | $1,382,000 | 2,660 |
| Total liabilities and capital | $181,025,000 | 3,372 |
| Total liabilities | $164,388,000 | 3,320 |
| Total deposits | $151,328,000 | 3,297 |
| Interest-bearing deposits | $141,402,000 | 3,048 |
| Deposits held in domestic offices | $151,328,000 | 3,295 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,550,000 | 1,576 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $5,000,000 | 3,355 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $2,510,000 | 1,977 |
| Total equity capital | $16,637,000 | 3,777 |
| Total bank equity capital | $16,637,000 | 3,777 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $3,000,000 | 1,433 |
| Surplus | $9,820,000 | 2,559 |
| Undivided profits | $3,817,000 | 5,197 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,876,000 | 1,019 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,127 |
| Income earned, not collected on loans | $2,147,000 | 1,952 |
| Earning assets | $172,892,000 | 3,252 |
| Long-term assets (5+ years) | $23,681,000 | 3,162 |
| Average Assets, year-to-date | $180,437,670 | 3,338 |
| Average Assets, quarterly | $180,739,000 | 3,355 |
| Volatile liabilities | $69,787,000 | 1,926 |
| Insider loans | $0 | 7,685 |
| FHLB advances | $5,000,000 | 3,202 |
| Loans and leases held for sale | $0 | 1,802 |
| Unused loan commitments | $1,694,000 | 7,456 |
| Tier 1 (core) risk-based capital | $16,791,000 | 3,681 |
| Tier 2 risk-based capital | $1,851,000 | 2,543 |
| Total risk weighted assets | $157,119,000 | 2,861 |
| Total unused commitments | $1,694,000 | 7,461 |
| Derivatives | $0 | 1,067 |
| 2007-03-31 | Rank | |
| # of Employees: | 38 | 4,177 |
| Assets and Liabilities | ||
| Total Assets: | $180,452,000 | 3,380 |
| Cash and due from depository institutions | $2,048,000 | 4,177 |
| Interest-bearing balances | $75,000 | 5,124 |
| Securities | $20,988,000 | 4,372 |
| Federal funds sold & reverse repurchase agreements | $2,009,000 | 5,035 |
| Net loans & leases | $142,029,000 | 2,960 |
| Loan loss allowance | $1,637,000 | 2,951 |
| Trading account assets | $7,026,000 | 181 |
| Bank premises and fixed assets | $945,000 | 6,014 |
| Other real estate owned | $570,000 | 4,177 |
| Goodwill and other intangibles | $0 | 3,322 |
| All other assets | $4,837,000 | 3,055 |
| Life insurance assets | $1,371,000 | 2,658 |
| Total liabilities and capital | $180,452,000 | 3,380 |
| Total liabilities | $163,665,000 | 3,335 |
| Total deposits | $155,647,000 | 3,235 |
| Interest-bearing deposits | $146,065,000 | 2,962 |
| Deposits held in domestic offices | $155,647,000 | 3,233 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,056 |
| Trading liabilities | $0 | 89 |
| Other borrowed funds | $5,000,000 | 3,286 |
| Subordinated debt | $0 | 262 |
| All other liabilities | $3,018,000 | 1,773 |
| Total equity capital | $16,787,000 | 3,754 |
| Total bank equity capital | $16,787,000 | 3,754 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $3,000,000 | 1,416 |
| Surplus | $9,820,000 | 2,524 |
| Undivided profits | $3,967,000 | 5,206 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,616,000 | 1,325 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,132 |
| Income earned, not collected on loans | $1,852,000 | 2,210 |
| Earning assets | $172,127,000 | 3,262 |
| Long-term assets (5+ years) | $20,533,000 | 3,369 |
| Average Assets, year-to-date | $180,143,500 | 3,356 |
| Average Assets, quarterly | $180,143,500 | 3,356 |
| Volatile liabilities | $68,269,000 | 1,942 |
| Insider loans | $0 | 7,710 |
| FHLB advances | $5,000,000 | 3,144 |
| Loans and leases held for sale | $0 | 1,800 |
| Unused loan commitments | $1,694,000 | 7,496 |
| Tier 1 (core) risk-based capital | $16,727,000 | 3,670 |
| Tier 2 risk-based capital | $1,637,000 | 2,811 |
| Total risk weighted assets | $155,759,000 | 2,847 |
| Total unused commitments | $1,694,000 | 7,497 |
| Derivatives | $0 | 1,065 |
| 2006-12-31 | Rank | |
| # of Employees: | 43 | 3,782 |
| Assets and Liabilities | ||
| Total Assets: | $179,835,000 | 3,346 |
| Cash and due from depository institutions | $2,269,000 | 3,782 |
| Interest-bearing balances | $28,000 | 5,813 |
| Securities | $26,681,000 | 3,760 |
| Federal funds sold & reverse repurchase agreements | $79,000 | 6,265 |
| Net loans & leases | $144,326,000 | 2,881 |
| Loan loss allowance | $1,623,000 | 2,939 |
| Trading account assets | $0 | 156 |
| Bank premises and fixed assets | $1,010,000 | 5,899 |
| Other real estate owned | $570,000 | 3,782 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $4,900,000 | 3,050 |
| Life insurance assets | $1,361,000 | 2,635 |
| Total liabilities and capital | $179,835,000 | 3,346 |
| Total liabilities | $163,228,000 | 3,306 |
| Total deposits | $152,721,000 | 3,246 |
| Interest-bearing deposits | $141,538,000 | 2,998 |
| Deposits held in domestic offices | $152,721,000 | 3,243 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,150,000 | 2,191 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $5,000,000 | 3,410 |
| Subordinated debt | $0 | 264 |
| All other liabilities | $3,357,000 | 1,591 |
| Total equity capital | $16,607,000 | 3,720 |
| Total bank equity capital | $16,607,000 | 3,720 |
| Perpetual preferred stock | $0 | 112 |
| Common stock | $3,000,000 | 1,406 |
| Surplus | $9,820,000 | 2,475 |
| Undivided profits | $3,787,000 | 5,299 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,345,000 | 974 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,087 |
| Income earned, not collected on loans | $1,772,000 | 2,373 |
| Earning assets | $171,114,000 | 3,239 |
| Long-term assets (5+ years) | $18,854,000 | 3,492 |
| Average Assets, year-to-date | $175,256,600 | 3,300 |
| Average Assets, quarterly | $177,989,500 | 3,339 |
| Volatile liabilities | $64,612,000 | 2,157 |
| Insider loans | $0 | 7,725 |
| FHLB advances | $5,000,000 | 3,275 |
| Loans and leases held for sale | $0 | 1,760 |
| Unused loan commitments | $3,333,000 | 6,674 |
| Tier 1 (core) risk-based capital | $16,689,000 | 3,594 |
| Tier 2 risk-based capital | $1,623,000 | 2,813 |
| Total risk weighted assets | $158,341,000 | 2,787 |
| Total unused commitments | $3,333,000 | 6,676 |
| Derivatives | $0 | 1,023 |
| 2006-09-30 | Rank | |
| # of Employees: | 41 | 3,935 |
| Assets and Liabilities | ||
| Total Assets: | $176,144,000 | 3,375 |
| Cash and due from depository institutions | $2,491,000 | 3,935 |
| Interest-bearing balances | $87,000 | 5,030 |
| Securities | $28,390,000 | 3,637 |
| Federal funds sold & reverse repurchase agreements | $330,000 | 5,466 |
| Net loans & leases | $137,638,000 | 2,988 |
| Loan loss allowance | $1,495,000 | 3,138 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $1,021,000 | 5,898 |
| Other real estate owned | $684,000 | 3,935 |
| Goodwill and other intangibles | $0 | 3,332 |
| All other assets | $5,590,000 | 2,767 |
| Life insurance assets | $1,351,000 | 2,616 |
| Total liabilities and capital | $176,144,000 | 3,375 |
| Total liabilities | $159,217,000 | 3,341 |
| Total deposits | $148,013,000 | 3,276 |
| Interest-bearing deposits | $139,445,000 | 2,990 |
| Deposits held in domestic offices | $148,013,000 | 3,273 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,596 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $8,000,000 | 2,964 |
| Subordinated debt | $0 | 269 |
| All other liabilities | $3,204,000 | 1,626 |
| Total equity capital | $16,927,000 | 3,630 |
| Total bank equity capital | $16,927,000 | 3,630 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $3,000,000 | 1,395 |
| Surplus | $9,820,000 | 2,441 |
| Undivided profits | $4,107,000 | 5,150 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,185,000 | 2,256 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,131 |
| Income earned, not collected on loans | $1,786,000 | 2,367 |
| Earning assets | $166,445,000 | 3,294 |
| Long-term assets (5+ years) | $14,282,000 | 3,992 |
| Average Assets, year-to-date | $174,112,000 | 3,326 |
| Average Assets, quarterly | $173,706,500 | 3,382 |
| Volatile liabilities | $58,247,000 | 2,347 |
| Insider loans | $0 | 7,800 |
| FHLB advances | $8,000,000 | 2,827 |
| Loans and leases held for sale | $0 | 1,773 |
| Unused loan commitments | $13,308,000 | 4,154 |
| Tier 1 (core) risk-based capital | $17,076,000 | 3,519 |
| Tier 2 risk-based capital | $1,495,000 | 2,985 |
| Total risk weighted assets | $153,628,000 | 2,852 |
| Total unused commitments | $13,308,000 | 4,154 |
| Derivatives | $0 | 1,023 |
| 2006-06-30 | Rank | |
| # of Employees: | 41 | 3,965 |
| Assets and Liabilities | ||
| Total Assets: | $171,269,000 | 3,420 |
| Cash and due from depository institutions | $1,966,000 | 3,965 |
| Interest-bearing balances | $30,000 | 5,845 |
| Securities | $25,334,000 | 3,925 |
| Federal funds sold & reverse repurchase agreements | $84,000 | 5,697 |
| Net loans & leases | $137,185,000 | 2,958 |
| Loan loss allowance | $1,524,000 | 3,072 |
| Trading account assets | $0 | 157 |
| Bank premises and fixed assets | $880,000 | 6,132 |
| Other real estate owned | $691,000 | 3,965 |
| Goodwill and other intangibles | $0 | 3,333 |
| All other assets | $5,129,000 | 2,920 |
| Life insurance assets | $1,340,000 | 2,585 |
| Total liabilities and capital | $171,269,000 | 3,420 |
| Total liabilities | $154,788,000 | 3,389 |
| Total deposits | $143,993,000 | 3,314 |
| Interest-bearing deposits | $135,292,000 | 3,040 |
| Deposits held in domestic offices | $143,993,000 | 3,311 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,710 |
| Trading liabilities | $0 | 73 |
| Other borrowed funds | $8,000,000 | 2,993 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $2,795,000 | 1,684 |
| Total equity capital | $16,481,000 | 3,586 |
| Total bank equity capital | $16,481,000 | 3,586 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $3,000,000 | 1,384 |
| Surplus | $9,820,000 | 2,390 |
| Undivided profits | $3,661,000 | 5,242 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $928,000 | 2,571 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,150 |
| Income earned, not collected on loans | $1,462,000 | 2,550 |
| Earning assets | $162,633,000 | 3,321 |
| Long-term assets (5+ years) | $11,975,000 | 4,259 |
| Average Assets, year-to-date | $173,434,670 | 3,330 |
| Average Assets, quarterly | $171,669,000 | 3,400 |
| Volatile liabilities | $68,860,000 | 2,015 |
| Insider loans | $0 | 7,848 |
| FHLB advances | $8,000,000 | 2,854 |
| Loans and leases held for sale | $0 | 1,763 |
| Unused loan commitments | $25,331,000 | 2,939 |
| Tier 1 (core) risk-based capital | $16,844,000 | 3,496 |
| Tier 2 risk-based capital | $1,524,000 | 2,920 |
| Total risk weighted assets | $150,523,000 | 2,876 |
| Total unused commitments | $25,331,000 | 2,940 |
| Derivatives | $0 | 1,000 |
| 2006-03-31 | Rank | |
| # of Employees: | 41 | 3,942 |
| Assets and Liabilities | ||
| Total Assets: | $172,069,000 | 3,394 |
| Cash and due from depository institutions | $2,234,000 | 3,942 |
| Interest-bearing balances | $19,000 | 6,162 |
| Securities | $24,488,000 | 4,088 |
| Federal funds sold & reverse repurchase agreements | $43,000 | 6,222 |
| Net loans & leases | $138,897,000 | 2,884 |
| Loan loss allowance | $1,560,000 | 2,971 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $911,000 | 6,073 |
| Other real estate owned | $852,000 | 3,942 |
| Goodwill and other intangibles | $0 | 3,321 |
| All other assets | $4,644,000 | 3,071 |
| Life insurance assets | $1,329,000 | 2,548 |
| Total liabilities and capital | $172,069,000 | 3,394 |
| Total liabilities | $155,766,000 | 3,358 |
| Total deposits | $141,382,000 | 3,355 |
| Interest-bearing deposits | $131,715,000 | 3,090 |
| Deposits held in domestic offices | $141,382,000 | 3,352 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $8,900,000 | 1,218 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $3,000,000 | 4,149 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $2,484,000 | 1,856 |
| Total equity capital | $16,303,000 | 3,590 |
| Total bank equity capital | $16,303,000 | 3,590 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $3,000,000 | 1,378 |
| Surplus | $9,820,000 | 2,330 |
| Undivided profits | $3,483,000 | 5,363 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,544,000 | 1,042 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,164 |
| Income earned, not collected on loans | $1,456,000 | 2,423 |
| Earning assets | $163,447,000 | 3,281 |
| Long-term assets (5+ years) | $9,969,000 | 4,598 |
| Average Assets, year-to-date | $174,517,500 | 3,313 |
| Average Assets, quarterly | $174,517,500 | 3,313 |
| Volatile liabilities | $73,801,000 | 1,821 |
| Insider loans | $0 | 7,878 |
| FHLB advances | $3,000,000 | 3,999 |
| Loans and leases held for sale | $0 | 1,721 |
| Unused loan commitments | $27,917,000 | 2,702 |
| Tier 1 (core) risk-based capital | $16,582,000 | 3,494 |
| Tier 2 risk-based capital | $1,560,000 | 2,829 |
| Total risk weighted assets | $152,921,000 | 2,785 |
| Total unused commitments | $27,917,000 | 2,705 |
| Derivatives | $0 | 990 |
| 2005-12-31 | Rank | |
| # of Employees: | 42 | 3,855 |
| Assets and Liabilities | ||
| Total Assets: | $176,966,000 | 3,278 |
| Cash and due from depository institutions | $1,457,000 | 3,855 |
| Interest-bearing balances | $36,000 | 5,854 |
| Securities | $24,763,000 | 4,065 |
| Federal funds sold & reverse repurchase agreements | $3,632,000 | 3,018 |
| Net loans & leases | $140,110,000 | 2,840 |
| Loan loss allowance | $1,559,000 | 2,930 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $1,035,000 | 5,825 |
| Other real estate owned | $852,000 | 3,855 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $5,117,000 | 2,834 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $176,966,000 | 3,278 |
| Total liabilities | $160,894,000 | 3,240 |
| Total deposits | $147,693,000 | 3,220 |
| Interest-bearing deposits | $139,778,000 | 2,903 |
| Deposits held in domestic offices | $147,693,000 | 3,216 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,750,000 | 1,535 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $5,000,000 | 3,612 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $2,451,000 | 1,820 |
| Total equity capital | $16,072,000 | 3,601 |
| Total bank equity capital | $16,072,000 | 3,601 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $3,000,000 | 1,364 |
| Surplus | $9,820,000 | 2,291 |
| Undivided profits | $3,252,000 | 5,545 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,541,000 | 1,654 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $1,490,000 | 2,388 |
| Earning assets | $168,541,000 | 3,163 |
| Long-term assets (5+ years) | $9,009,000 | 4,755 |
| Average Assets, year-to-date | $168,995,600 | 3,264 |
| Average Assets, quarterly | $176,519,000 | 3,260 |
| Volatile liabilities | $67,574,000 | 1,922 |
| Insider loans | $0 | 7,892 |
| FHLB advances | $5,000,000 | 3,452 |
| Loans and leases held for sale | $0 | 1,743 |
| Unused loan commitments | $28,599,000 | 2,616 |
| Tier 1 (core) risk-based capital | $15,827,000 | 3,588 |
| Tier 2 risk-based capital | $1,559,000 | 2,796 |
| Total risk weighted assets | $154,948,000 | 2,708 |
| Total unused commitments | $28,599,000 | 2,616 |
| Derivatives | $0 | 930 |
| 2005-09-30 | Rank | |
| # of Employees: | 43 | 3,774 |
| Assets and Liabilities | ||
| Total Assets: | $176,072,000 | 3,250 |
| Cash and due from depository institutions | $1,540,000 | 3,774 |
| Interest-bearing balances | $85,000 | 5,295 |
| Securities | $25,249,000 | 3,985 |
| Federal funds sold & reverse repurchase agreements | $3,285,000 | 2,972 |
| Net loans & leases | $138,959,000 | 2,831 |
| Loan loss allowance | $1,417,000 | 3,153 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $1,040,000 | 5,813 |
| Other real estate owned | $1,406,000 | 3,774 |
| Goodwill and other intangibles | $0 | 3,310 |
| All other assets | $4,593,000 | 3,022 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $176,072,000 | 3,250 |
| Total liabilities | $160,203,000 | 3,213 |
| Total deposits | $152,548,000 | 3,076 |
| Interest-bearing deposits | $144,822,000 | 2,771 |
| Deposits held in domestic offices | $152,548,000 | 3,072 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,623 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $5,000,000 | 3,667 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $2,655,000 | 1,653 |
| Total equity capital | $15,869,000 | 3,608 |
| Total bank equity capital | $15,869,000 | 3,608 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $3,000,000 | 1,334 |
| Surplus | $9,820,000 | 2,230 |
| Undivided profits | $3,049,000 | 5,749 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,162,000 | 2,118 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $1,416,000 | 2,459 |
| Earning assets | $167,578,000 | 3,142 |
| Long-term assets (5+ years) | $13,385,000 | 4,091 |
| Average Assets, year-to-date | $167,003,000 | 3,292 |
| Average Assets, quarterly | $170,068,500 | 3,301 |
| Volatile liabilities | $55,632,000 | 2,182 |
| Insider loans | $0 | 7,932 |
| FHLB advances | $5,000,000 | 3,503 |
| Loans and leases held for sale | $0 | 1,843 |
| Unused loan commitments | $51,134,000 | 1,722 |
| Tier 1 (core) risk-based capital | $15,981,000 | 3,499 |
| Tier 2 risk-based capital | $1,417,000 | 2,969 |
| Total risk weighted assets | $153,635,000 | 2,682 |
| Total unused commitments | $51,134,000 | 1,723 |
| Derivatives | $0 | 909 |
| 2005-06-30 | Rank | |
| # of Employees: | 42 | 3,856 |
| Assets and Liabilities | ||
| Total Assets: | $164,065,000 | 3,383 |
| Cash and due from depository institutions | $1,696,000 | 3,856 |
| Interest-bearing balances | $37,000 | 5,860 |
| Securities | $25,780,000 | 3,972 |
| Federal funds sold & reverse repurchase agreements | $420,000 | 5,063 |
| Net loans & leases | $128,610,000 | 2,924 |
| Loan loss allowance | $1,337,000 | 3,263 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $1,044,000 | 5,772 |
| Other real estate owned | $2,476,000 | 3,856 |
| Goodwill and other intangibles | $0 | 3,307 |
| All other assets | $4,039,000 | 3,199 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $164,065,000 | 3,383 |
| Total liabilities | $148,385,000 | 3,348 |
| Total deposits | $140,808,000 | 3,238 |
| Interest-bearing deposits | $131,690,000 | 2,950 |
| Deposits held in domestic offices | $140,808,000 | 3,235 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,721 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $5,000,000 | 3,604 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $2,577,000 | 1,601 |
| Total equity capital | $15,680,000 | 3,593 |
| Total bank equity capital | $15,680,000 | 3,593 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $3,000,000 | 1,314 |
| Surplus | $9,820,000 | 2,183 |
| Undivided profits | $2,860,000 | 5,845 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,687,000 | 1,477 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $1,113,000 | 2,858 |
| Earning assets | $154,847,000 | 3,291 |
| Long-term assets (5+ years) | $16,815,000 | 3,698 |
| Average Assets, year-to-date | $163,980,000 | 3,327 |
| Average Assets, quarterly | $164,140,000 | 3,346 |
| Volatile liabilities | $59,402,000 | 1,980 |
| Insider loans | $0 | 7,951 |
| FHLB advances | $5,000,000 | 3,449 |
| Loans and leases held for sale | $262,000 | 1,456 |
| Unused loan commitments | $40,872,000 | 1,979 |
| Tier 1 (core) risk-based capital | $15,719,000 | 3,478 |
| Tier 2 risk-based capital | $1,337,000 | 3,065 |
| Total risk weighted assets | $142,104,000 | 2,796 |
| Total unused commitments | $40,872,000 | 1,979 |
| Derivatives | $0 | 866 |
| 2005-03-31 | Rank | |
| # of Employees: | 43 | 3,771 |
| Assets and Liabilities | ||
| Total Assets: | $164,215,000 | 3,358 |
| Cash and due from depository institutions | $1,604,000 | 3,771 |
| Interest-bearing balances | $127,000 | 4,771 |
| Securities | $26,160,000 | 3,977 |
| Federal funds sold & reverse repurchase agreements | $152,000 | 6,085 |
| Net loans & leases | $129,906,000 | 2,863 |
| Loan loss allowance | $1,369,000 | 3,219 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $710,000 | 6,520 |
| Other real estate owned | $1,334,000 | 3,771 |
| Goodwill and other intangibles | $0 | 3,297 |
| All other assets | $4,349,000 | 2,996 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $164,215,000 | 3,358 |
| Total liabilities | $148,763,000 | 3,343 |
| Total deposits | $141,500,000 | 3,210 |
| Interest-bearing deposits | $132,072,000 | 2,944 |
| Deposits held in domestic offices | $141,500,000 | 3,206 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,328 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $5,000,000 | 3,508 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $2,263,000 | 1,770 |
| Total equity capital | $15,452,000 | 3,567 |
| Total bank equity capital | $15,452,000 | 3,567 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $3,000,000 | 1,309 |
| Surplus | $9,820,000 | 2,138 |
| Undivided profits | $2,632,000 | 5,920 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,854,000 | 1,392 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $1,094,000 | 2,803 |
| Earning assets | $156,345,000 | 3,257 |
| Long-term assets (5+ years) | $17,273,000 | 3,700 |
| Average Assets, year-to-date | $163,937,500 | 3,340 |
| Average Assets, quarterly | $163,937,500 | 3,340 |
| Volatile liabilities | $60,671,000 | 1,858 |
| Insider loans | $11,000 | 7,879 |
| FHLB advances | $5,000,000 | 3,359 |
| Loans and leases held for sale | $0 | 1,762 |
| Unused loan commitments | $27,599,000 | 2,530 |
| Tier 1 (core) risk-based capital | $15,630,000 | 3,446 |
| Tier 2 risk-based capital | $1,369,000 | 3,000 |
| Total risk weighted assets | $142,403,000 | 2,743 |
| Total unused commitments | $27,599,000 | 2,535 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 45 | 3,635 |
| Assets and Liabilities | ||
| Total Assets: | $163,660,000 | 3,362 |
| Cash and due from depository institutions | $2,629,000 | 3,635 |
| Interest-bearing balances | $177,000 | 4,507 |
| Securities | $22,758,000 | 4,392 |
| Federal funds sold & reverse repurchase agreements | $1,953,000 | 3,990 |
| Net loans & leases | $130,227,000 | 2,837 |
| Loan loss allowance | $2,139,000 | 2,166 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $539,000 | 6,975 |
| Other real estate owned | $1,454,000 | 3,635 |
| Goodwill and other intangibles | $0 | 3,293 |
| All other assets | $4,100,000 | 3,071 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $163,660,000 | 3,362 |
| Total liabilities | $148,196,000 | 3,342 |
| Total deposits | $139,016,000 | 3,248 |
| Interest-bearing deposits | $122,181,000 | 3,109 |
| Deposits held in domestic offices | $139,016,000 | 3,244 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,470 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $7,000,000 | 3,085 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $2,180,000 | 1,807 |
| Total equity capital | $15,464,000 | 3,551 |
| Total bank equity capital | $15,464,000 | 3,551 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $3,000,000 | 1,289 |
| Surplus | $9,820,000 | 2,099 |
| Undivided profits | $2,644,000 | 6,007 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,102,000 | 851 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $872,000 | 3,446 |
| Earning assets | $155,115,000 | 3,276 |
| Long-term assets (5+ years) | $14,537,000 | 4,116 |
| Average Assets, year-to-date | $156,553,200 | 3,357 |
| Average Assets, quarterly | $162,270,500 | 3,359 |
| Volatile liabilities | $63,940,000 | 1,732 |
| Insider loans | $27,000 | 7,777 |
| FHLB advances | $7,000,000 | 2,936 |
| Loans and leases held for sale | $693,000 | 1,009 |
| Unused loan commitments | $23,256,000 | 2,726 |
| Tier 1 (core) risk-based capital | $15,411,000 | 3,443 |
| Tier 2 risk-based capital | $1,765,000 | 2,426 |
| Total risk weighted assets | $140,810,000 | 2,748 |
| Total unused commitments | $23,256,000 | 2,728 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 47 | 3,527 |
| Assets and Liabilities | ||
| Total Assets: | $160,881,000 | 3,370 |
| Cash and due from depository institutions | $3,085,000 | 3,527 |
| Interest-bearing balances | $118,000 | 4,958 |
| Securities | $22,336,000 | 4,416 |
| Federal funds sold & reverse repurchase agreements | $2,095,000 | 3,544 |
| Net loans & leases | $127,006,000 | 2,859 |
| Loan loss allowance | $1,750,000 | 2,583 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $467,000 | 7,183 |
| Other real estate owned | $1,688,000 | 3,527 |
| Goodwill and other intangibles | $0 | 3,268 |
| All other assets | $4,204,000 | 2,984 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $160,881,000 | 3,370 |
| Total liabilities | $145,199,000 | 3,368 |
| Total deposits | $135,900,000 | 3,284 |
| Interest-bearing deposits | $117,765,000 | 3,183 |
| Deposits held in domestic offices | $135,900,000 | 3,279 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,678 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $7,000,000 | 3,079 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $2,299,000 | 1,716 |
| Total equity capital | $15,682,000 | 3,523 |
| Total bank equity capital | $15,682,000 | 3,523 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $3,000,000 | 1,279 |
| Surplus | $9,070,000 | 2,204 |
| Undivided profits | $3,612,000 | 5,432 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,798,000 | 1,538 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $979,000 | 3,197 |
| Earning assets | $151,555,000 | 3,291 |
| Long-term assets (5+ years) | $14,739,000 | 4,167 |
| Average Assets, year-to-date | $154,776,500 | 3,380 |
| Average Assets, quarterly | $159,214,000 | 3,364 |
| Volatile liabilities | $66,707,000 | 1,644 |
| Insider loans | $27,000 | 7,795 |
| FHLB advances | $7,000,000 | 2,945 |
| Loans and leases held for sale | $207,000 | 1,490 |
| Unused loan commitments | $24,540,000 | 2,612 |
| Tier 1 (core) risk-based capital | $15,533,000 | 3,420 |
| Tier 2 risk-based capital | $1,741,000 | 2,428 |
| Total risk weighted assets | $139,215,000 | 2,751 |
| Total unused commitments | $24,540,000 | 2,616 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 48 | 3,488 |
| Assets and Liabilities | ||
| Total Assets: | $157,547,000 | 3,400 |
| Cash and due from depository institutions | $1,524,000 | 3,488 |
| Interest-bearing balances | $81,000 | 5,519 |
| Securities | $23,861,000 | 4,311 |
| Federal funds sold & reverse repurchase agreements | $2,852,000 | 2,927 |
| Net loans & leases | $124,497,000 | 2,858 |
| Loan loss allowance | $1,760,000 | 2,560 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $473,000 | 7,197 |
| Other real estate owned | $1,653,000 | 3,488 |
| Goodwill and other intangibles | $0 | 3,275 |
| All other assets | $2,687,000 | 4,039 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $157,547,000 | 3,400 |
| Total liabilities | $142,324,000 | 3,397 |
| Total deposits | $133,794,000 | 3,294 |
| Interest-bearing deposits | $121,623,000 | 3,085 |
| Deposits held in domestic offices | $133,794,000 | 3,291 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,750 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $6,500,000 | 3,170 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $2,030,000 | 1,751 |
| Total equity capital | $15,223,000 | 3,488 |
| Total bank equity capital | $15,223,000 | 3,488 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $3,000,000 | 1,280 |
| Surplus | $9,070,000 | 2,177 |
| Undivided profits | $3,153,000 | 5,569 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,700,000 | 1,642 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $810,000 | 3,564 |
| Earning assets | $151,291,000 | 3,266 |
| Long-term assets (5+ years) | $19,274,000 | 3,697 |
| Average Assets, year-to-date | $152,741,670 | 3,434 |
| Average Assets, quarterly | $156,320,500 | 3,388 |
| Volatile liabilities | $60,779,000 | 1,729 |
| Insider loans | $27,000 | 7,872 |
| FHLB advances | $6,500,000 | 3,025 |
| Loans and leases held for sale | $483,000 | 1,174 |
| Unused loan commitments | $27,679,000 | 2,396 |
| Tier 1 (core) risk-based capital | $15,274,000 | 3,416 |
| Tier 2 risk-based capital | $1,691,000 | 2,474 |
| Total risk weighted assets | $135,184,000 | 2,795 |
| Total unused commitments | $27,679,000 | 2,398 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 47 | 3,540 |
| Assets and Liabilities | ||
| Total Assets: | $155,094,000 | 3,412 |
| Cash and due from depository institutions | $1,284,000 | 3,540 |
| Interest-bearing balances | $67,000 | 5,740 |
| Securities | $25,972,000 | 4,055 |
| Federal funds sold & reverse repurchase agreements | $1,242,000 | 5,360 |
| Net loans & leases | $121,771,000 | 2,862 |
| Loan loss allowance | $1,764,000 | 2,519 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $438,000 | 7,299 |
| Other real estate owned | $1,562,000 | 3,540 |
| Goodwill and other intangibles | $0 | 3,256 |
| All other assets | $2,825,000 | 3,754 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $155,094,000 | 3,412 |
| Total liabilities | $139,669,000 | 3,412 |
| Total deposits | $131,302,000 | 3,344 |
| Interest-bearing deposits | $118,761,000 | 3,145 |
| Deposits held in domestic offices | $131,302,000 | 3,340 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,174 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $6,500,000 | 3,036 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $1,867,000 | 2,067 |
| Total equity capital | $15,425,000 | 3,512 |
| Total bank equity capital | $15,425,000 | 3,512 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $3,000,000 | 1,272 |
| Surplus | $9,070,000 | 2,141 |
| Undivided profits | $3,355,000 | 5,613 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,393,000 | 2,036 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $840,000 | 3,391 |
| Earning assets | $149,052,000 | 3,288 |
| Long-term assets (5+ years) | $22,182,000 | 3,360 |
| Average Assets, year-to-date | $150,339,000 | 3,493 |
| Average Assets, quarterly | $150,339,000 | 3,493 |
| Volatile liabilities | $60,013,000 | 1,675 |
| Insider loans | $28,000 | 7,863 |
| FHLB advances | $6,500,000 | 2,906 |
| Loans and leases held for sale | $1,938,000 | 716 |
| Unused loan commitments | $23,111,000 | 2,672 |
| Tier 1 (core) risk-based capital | $15,007,000 | 3,416 |
| Tier 2 risk-based capital | $1,649,000 | 2,492 |
| Total risk weighted assets | $131,768,000 | 2,798 |
| Total unused commitments | $23,111,000 | 2,680 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 47 | 3,549 |
| Assets and Liabilities | ||
| Total Assets: | $145,584,000 | 3,607 |
| Cash and due from depository institutions | $1,885,000 | 3,549 |
| Interest-bearing balances | $78,000 | 5,576 |
| Securities | $23,072,000 | 4,428 |
| Federal funds sold & reverse repurchase agreements | $711,000 | 5,328 |
| Net loans & leases | $115,509,000 | 2,963 |
| Loan loss allowance | $1,775,000 | 2,500 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $465,000 | 7,259 |
| Other real estate owned | $912,000 | 3,549 |
| Goodwill and other intangibles | $0 | 3,237 |
| All other assets | $3,030,000 | 3,606 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $145,584,000 | 3,607 |
| Total liabilities | $130,575,000 | 3,609 |
| Total deposits | $114,024,000 | 3,737 |
| Interest-bearing deposits | $106,047,000 | 3,439 |
| Deposits held in domestic offices | $114,024,000 | 3,734 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,433 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $14,500,000 | 1,999 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $2,051,000 | 1,832 |
| Total equity capital | $15,009,000 | 3,529 |
| Total bank equity capital | $15,009,000 | 3,529 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $3,000,000 | 1,280 |
| Surplus | $9,070,000 | 2,114 |
| Undivided profits | $2,939,000 | 5,842 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,924,000 | 1,587 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $661,000 | 4,337 |
| Earning assets | $139,370,000 | 3,461 |
| Long-term assets (5+ years) | $16,716,000 | 3,970 |
| Average Assets, year-to-date | $145,213,000 | 3,499 |
| Average Assets, quarterly | $141,414,000 | 3,662 |
| Volatile liabilities | $60,482,000 | 1,664 |
| Insider loans | $28,000 | 7,926 |
| FHLB advances | $14,500,000 | 1,879 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $36,660,000 | 1,866 |
| Tier 1 (core) risk-based capital | $14,729,000 | 3,435 |
| Tier 2 risk-based capital | $1,570,000 | 2,570 |
| Total risk weighted assets | $125,405,000 | 2,917 |
| Total unused commitments | $36,660,000 | 1,870 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 43 | 3,839 |
| Assets and Liabilities | ||
| Total Assets: | $137,244,000 | 3,766 |
| Cash and due from depository institutions | $1,623,000 | 3,839 |
| Interest-bearing balances | $74,000 | 5,681 |
| Securities | $25,518,000 | 4,088 |
| Federal funds sold & reverse repurchase agreements | $2,354,000 | 4,083 |
| Net loans & leases | $103,762,000 | 3,239 |
| Loan loss allowance | $1,869,000 | 2,399 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $510,000 | 7,132 |
| Other real estate owned | $760,000 | 3,839 |
| Goodwill and other intangibles | $0 | 3,226 |
| All other assets | $2,717,000 | 3,899 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $137,244,000 | 3,766 |
| Total liabilities | $122,576,000 | 3,781 |
| Total deposits | $112,365,000 | 3,761 |
| Interest-bearing deposits | $106,061,000 | 3,447 |
| Deposits held in domestic offices | $112,365,000 | 3,757 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $450,000 | 2,946 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $8,000,000 | 2,700 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $1,761,000 | 2,127 |
| Total equity capital | $14,668,000 | 3,574 |
| Total bank equity capital | $14,668,000 | 3,574 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $3,000,000 | 1,275 |
| Surplus | $9,070,000 | 2,081 |
| Undivided profits | $2,598,000 | 6,167 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,705,000 | 1,221 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $775,000 | 3,974 |
| Earning assets | $131,708,000 | 3,610 |
| Long-term assets (5+ years) | $11,659,000 | 4,733 |
| Average Assets, year-to-date | $145,120,250 | 3,510 |
| Average Assets, quarterly | $141,778,500 | 3,646 |
| Volatile liabilities | $48,383,000 | 1,962 |
| Insider loans | $0 | 8,298 |
| FHLB advances | $3,500,000 | 3,625 |
| Loans and leases held for sale | $445,000 | 1,468 |
| Unused loan commitments | $39,503,000 | 1,771 |
| Tier 1 (core) risk-based capital | $14,349,000 | 3,505 |
| Tier 2 risk-based capital | $1,429,000 | 2,760 |
| Total risk weighted assets | $113,893,000 | 3,137 |
| Total unused commitments | $39,503,000 | 1,774 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 43 | 3,851 |
| Assets and Liabilities | ||
| Total Assets: | $146,313,000 | 3,545 |
| Cash and due from depository institutions | $7,009,000 | 3,851 |
| Interest-bearing balances | $6,079,000 | 1,279 |
| Securities | $22,603,000 | 4,327 |
| Federal funds sold & reverse repurchase agreements | $1,166,000 | 5,619 |
| Net loans & leases | $111,677,000 | 2,981 |
| Loan loss allowance | $1,850,000 | 2,382 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $562,000 | 6,992 |
| Other real estate owned | $825,000 | 3,851 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $2,471,000 | 4,045 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $146,313,000 | 3,545 |
| Total liabilities | $131,740,000 | 3,537 |
| Total deposits | $123,455,000 | 3,479 |
| Interest-bearing deposits | $118,475,000 | 3,114 |
| Deposits held in domestic offices | $123,455,000 | 3,475 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,266 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $6,500,000 | 2,916 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $1,785,000 | 2,185 |
| Total equity capital | $14,573,000 | 3,611 |
| Total bank equity capital | $14,573,000 | 3,611 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $3,000,000 | 1,262 |
| Surplus | $9,070,000 | 2,039 |
| Undivided profits | $2,503,000 | 6,286 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,259,000 | 1,446 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $716,000 | 4,071 |
| Earning assets | $141,525,000 | 3,375 |
| Long-term assets (5+ years) | $9,524,000 | 4,985 |
| Average Assets, year-to-date | $147,745,670 | 3,448 |
| Average Assets, quarterly | $145,583,500 | 3,520 |
| Volatile liabilities | $51,363,000 | 1,845 |
| Insider loans | $0 | 8,352 |
| FHLB advances | $6,500,000 | 2,750 |
| Loans and leases held for sale | $3,626,000 | 836 |
| Unused loan commitments | $24,629,000 | 2,447 |
| Tier 1 (core) risk-based capital | $14,029,000 | 3,521 |
| Tier 2 risk-based capital | $1,494,000 | 2,627 |
| Total risk weighted assets | $119,159,000 | 2,992 |
| Total unused commitments | $24,629,000 | 2,454 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 42 | 3,886 |
| Assets and Liabilities | ||
| Total Assets: | $144,854,000 | 3,513 |
| Cash and due from depository institutions | $4,615,000 | 3,886 |
| Interest-bearing balances | $3,137,000 | 2,031 |
| Securities | $18,655,000 | 4,864 |
| Federal funds sold & reverse repurchase agreements | $4,633,000 | 3,363 |
| Net loans & leases | $113,122,000 | 2,902 |
| Loan loss allowance | $2,006,000 | 2,184 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $571,000 | 6,979 |
| Other real estate owned | $465,000 | 3,886 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $2,793,000 | 3,676 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $144,854,000 | 3,513 |
| Total liabilities | $130,367,000 | 3,498 |
| Total deposits | $122,199,000 | 3,468 |
| Interest-bearing deposits | $117,339,000 | 3,143 |
| Deposits held in domestic offices | $122,199,000 | 3,464 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,057 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $6,500,000 | 2,829 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $1,668,000 | 2,352 |
| Total equity capital | $14,487,000 | 3,561 |
| Total bank equity capital | $14,487,000 | 3,561 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $3,000,000 | 1,261 |
| Surplus | $9,070,000 | 2,005 |
| Undivided profits | $2,417,000 | 6,287 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,226,000 | 1,021 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $718,000 | 4,072 |
| Earning assets | $139,547,000 | 3,363 |
| Long-term assets (5+ years) | $11,448,000 | 4,601 |
| Average Assets, year-to-date | $148,462,000 | 3,421 |
| Average Assets, quarterly | $148,462,000 | 3,421 |
| Volatile liabilities | $50,926,000 | 1,804 |
| Insider loans | $0 | 8,373 |
| FHLB advances | $6,500,000 | 2,678 |
| Loans and leases held for sale | $4,612,000 | 653 |
| Unused loan commitments | $16,440,000 | 3,090 |
| Tier 1 (core) risk-based capital | $14,067,000 | 3,473 |
| Tier 2 risk-based capital | $1,490,000 | 2,601 |
| Total risk weighted assets | $118,684,000 | 2,953 |
| Total unused commitments | $16,440,000 | 3,100 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 40 | 4,049 |
| Assets and Liabilities | ||
| Total Assets: | $152,070,000 | 3,332 |
| Cash and due from depository institutions | $1,075,000 | 4,049 |
| Interest-bearing balances | $44,000 | 5,874 |
| Securities | $17,913,000 | 4,971 |
| Federal funds sold & reverse repurchase agreements | $9,897,000 | 1,461 |
| Net loans & leases | $119,567,000 | 2,750 |
| Loan loss allowance | $2,013,000 | 2,118 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $588,000 | 6,939 |
| Other real estate owned | $400,000 | 4,049 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $2,630,000 | 3,828 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $152,070,000 | 3,332 |
| Total liabilities | $137,936,000 | 3,314 |
| Total deposits | $120,279,000 | 3,468 |
| Interest-bearing deposits | $114,998,000 | 3,134 |
| Deposits held in domestic offices | $120,279,000 | 3,465 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,222 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $16,500,000 | 1,728 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $1,157,000 | 3,067 |
| Total equity capital | $14,134,000 | 3,596 |
| Total bank equity capital | $14,134,000 | 3,596 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $3,000,000 | 1,251 |
| Surplus | $9,070,000 | 1,977 |
| Undivided profits | $2,064,000 | 6,598 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,495,000 | 1,998 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $713,000 | 4,315 |
| Earning assets | $147,421,000 | 3,188 |
| Long-term assets (5+ years) | $13,833,000 | 4,135 |
| Average Assets, year-to-date | $144,480,200 | 3,360 |
| Average Assets, quarterly | $148,873,500 | 3,370 |
| Volatile liabilities | $60,408,000 | 1,564 |
| Insider loans | $0 | 8,414 |
| FHLB advances | $12,500,000 | 1,889 |
| Loans and leases held for sale | $3,136,000 | 872 |
| Unused loan commitments | $13,301,000 | 3,434 |
| Tier 1 (core) risk-based capital | $13,698,000 | 3,485 |
| Tier 2 risk-based capital | $1,556,000 | 2,455 |
| Total risk weighted assets | $123,985,000 | 2,798 |
| Total unused commitments | $13,301,000 | 3,438 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 36 | 4,380 |
| Assets and Liabilities | ||
| Total Assets: | $143,464,000 | 3,397 |
| Cash and due from depository institutions | $1,018,000 | 4,380 |
| Interest-bearing balances | $52,000 | 5,685 |
| Securities | $13,727,000 | 5,633 |
| Federal funds sold & reverse repurchase agreements | $5,700,000 | 2,493 |
| Net loans & leases | $119,029,000 | 2,695 |
| Loan loss allowance | $1,802,000 | 2,194 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $720,000 | 6,613 |
| Other real estate owned | $418,000 | 4,380 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $2,852,000 | 3,515 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $143,464,000 | 3,397 |
| Total liabilities | $131,047,000 | 3,358 |
| Total deposits | $111,283,000 | 3,583 |
| Interest-bearing deposits | $107,914,000 | 3,185 |
| Deposits held in domestic offices | $111,283,000 | 3,577 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,000,000 | 1,489 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $13,500,000 | 1,796 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $1,264,000 | 2,899 |
| Total equity capital | $12,417,000 | 3,785 |
| Total bank equity capital | $12,417,000 | 3,785 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $3,000,000 | 1,249 |
| Surplus | $9,000,000 | 1,880 |
| Undivided profits | $417,000 | 8,227 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,371,000 | 2,094 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $720,000 | 4,588 |
| Earning assets | $138,508,000 | 3,226 |
| Long-term assets (5+ years) | $18,860,000 | 3,428 |
| Average Assets, year-to-date | $128,587,600 | 3,559 |
| Average Assets, quarterly | $140,175,000 | 3,415 |
| Volatile liabilities | $62,004,000 | 1,477 |
| Insider loans | $210,000 | 6,893 |
| FHLB advances | $13,500,000 | 1,660 |
| Loans and leases held for sale | $1,589,000 | 995 |
| Unused loan commitments | $11,072,000 | 3,696 |
| Tier 1 (core) risk-based capital | $12,272,000 | 3,670 |
| Tier 2 risk-based capital | $1,529,000 | 2,361 |
| Total risk weighted assets | $122,012,000 | 2,720 |
| Total unused commitments | $11,072,000 | 3,705 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 32 | 4,871 |
| Assets and Liabilities | ||
| Total Assets: | $119,534,000 | 3,828 |
| Cash and due from depository institutions | $4,235,000 | 4,871 |
| Interest-bearing balances | $2,964,000 | 1,298 |
| Securities | $12,497,000 | 6,112 |
| Federal funds sold & reverse repurchase agreements | $7,400,000 | 1,618 |
| Net loans & leases | $93,250,000 | 3,232 |
| Loan loss allowance | $1,887,000 | 2,011 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $842,000 | 6,381 |
| Other real estate owned | $0 | 4,871 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $1,310,000 | 5,276 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $119,534,000 | 3,828 |
| Total liabilities | $108,308,000 | 3,805 |
| Total deposits | $106,725,000 | 3,579 |
| Interest-bearing deposits | $104,896,000 | 3,165 |
| Deposits held in domestic offices | $106,725,000 | 3,575 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $500,000 | 3,162 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $0 | 5,732 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $1,083,000 | 3,382 |
| Total equity capital | $11,226,000 | 4,014 |
| Total bank equity capital | $11,226,000 | 4,014 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $3,000,000 | 1,251 |
| Surplus | $8,000,000 | 2,032 |
| Undivided profits | $226,000 | 8,672 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $701,000 | 3,015 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $469,000 | 5,333 |
| Earning assets | $116,111,000 | 3,638 |
| Long-term assets (5+ years) | $11,495,000 | 4,293 |
| Average Assets, year-to-date | $110,368,800 | 3,961 |
| Average Assets, quarterly | $117,275,000 | 3,843 |
| Volatile liabilities | $38,649,000 | 2,170 |
| Insider loans | $212,000 | 7,052 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $17,551,000 | 2,571 |
| Tier 1 (core) risk-based capital | $11,161,000 | 3,910 |
| Tier 2 risk-based capital | $1,242,310 | 2,700 |
| Total risk weighted assets | $98,740,110 | 3,124 |
| Total unused commitments | $17,551,000 | 2,575 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 27 | 5,640 |
| Assets and Liabilities | ||
| Total Assets: | $107,820,000 | 4,138 |
| Cash and due from depository institutions | $4,348,000 | 5,640 |
| Interest-bearing balances | $3,108,000 | 1,228 |
| Securities | $9,000,000 | 7,372 |
| Federal funds sold & reverse repurchase agreements | $12,800,000 | 759 |
| Net loans & leases | $79,883,000 | 3,582 |
| Loan loss allowance | $1,987,000 | 1,854 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $763,000 | 6,751 |
| Other real estate owned | $0 | 5,640 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $1,026,000 | 6,116 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $107,820,000 | 4,138 |
| Total liabilities | $97,196,000 | 4,132 |
| Total deposits | $95,980,000 | 3,867 |
| Interest-bearing deposits | $92,863,000 | 3,477 |
| Deposits held in domestic offices | $95,980,000 | 3,863 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,751 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $1,216,000 | 2,778 |
| Total equity capital | $10,624,000 | 4,039 |
| Total bank equity capital | $10,624,000 | 4,039 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $3,000,000 | 1,254 |
| Surplus | $8,000,000 | 2,002 |
| Undivided profits | $-376,000 | 9,514 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $371,000 | 4,324 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $373,000 | 5,658 |
| Earning assets | $104,791,000 | 3,922 |
| Long-term assets (5+ years) | $2,959,000 | 7,189 |
| Average Assets, year-to-date | $103,358,600 | 4,142 |
| Average Assets, quarterly | $104,790,500 | 4,190 |
| Volatile liabilities | $22,425,000 | 3,209 |
| Insider loans | $0 | 9,133 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $11,274,000 | 3,468 |
| Tier 1 (core) risk-based capital | $10,576,000 | 4,051 |
| Tier 2 risk-based capital | $1,083,400 | 2,930 |
| Total risk weighted assets | $85,768,200 | 3,412 |
| Total unused commitments | $11,274,000 | 3,474 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 18 | 7,238 |
| Assets and Liabilities | ||
| Total Assets: | $99,155,000 | 4,385 |
| Cash and due from depository institutions | $2,979,000 | 7,238 |
| Interest-bearing balances | $2,708,000 | 1,843 |
| Securities | $8,233,000 | 7,621 |
| Federal funds sold & reverse repurchase agreements | $4,200,000 | 3,884 |
| Net loans & leases | $79,785,000 | 3,388 |
| Loan loss allowance | $1,816,000 | 1,947 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $2,786,000 | 2,887 |
| Other real estate owned | $0 | 7,238 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $1,172,000 | 5,370 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $99,155,000 | 4,385 |
| Total liabilities | $90,458,000 | 4,323 |
| Total deposits | $87,654,000 | 4,190 |
| Interest-bearing deposits | $86,612,000 | 3,675 |
| Deposits held in domestic offices | $87,654,000 | 4,183 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,750,000 | 2,081 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,054,000 | 3,372 |
| Total equity capital | $8,697,000 | 4,864 |
| Total bank equity capital | $8,697,000 | 4,864 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $3,000,000 | 1,210 |
| Surplus | $6,500,000 | 2,279 |
| Undivided profits | $-803,000 | 10,200 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 9,467 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $413,000 | 5,334 |
| Earning assets | $94,926,000 | 4,230 |
| Long-term assets (5+ years) | $8,795,000 | 5,039 |
| Average Assets, year-to-date | $72,332,600 | 5,368 |
| Average Assets, quarterly | $93,645,000 | 4,529 |
| Volatile liabilities | $24,900,000 | 2,508 |
| Insider loans | $0 | 9,309 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $27,007,000 | 1,809 |
| Tier 1 (core) risk-based capital | $8,301,000 | 4,867 |
| Tier 2 risk-based capital | $1,081,870 | 2,839 |
| Total risk weighted assets | $85,815,770 | 3,246 |
| Total unused commitments | $27,007,000 | 1,815 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 11 | 9,106 |
| Assets and Liabilities | ||
| Total Assets: | $48,462,000 | 7,180 |
| Cash and due from depository institutions | $1,762,000 | 9,106 |
| Interest-bearing balances | $1,479,000 | 2,087 |
| Securities | $11,222,000 | 7,052 |
| Federal funds sold & reverse repurchase agreements | $2,600,000 | 4,323 |
| Net loans & leases | $32,135,000 | 6,608 |
| Loan loss allowance | $467,000 | 5,968 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $385,000 | 8,476 |
| Other real estate owned | $0 | 9,106 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $358,000 | 9,410 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $48,462,000 | 7,180 |
| Total liabilities | $41,300,000 | 7,351 |
| Total deposits | $40,846,000 | 7,195 |
| Interest-bearing deposits | $40,401,000 | 6,626 |
| Deposits held in domestic offices | $40,846,000 | 7,191 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $454,000 | 6,289 |
| Total equity capital | $7,162,000 | 5,652 |
| Total bank equity capital | $7,162,000 | 5,652 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $3,000,000 | 1,195 |
| Surplus | $4,850,000 | 2,859 |
| Undivided profits | $-688,000 | 10,668 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 10,017 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $172,000 | 8,666 |
| Earning assets | $47,436,000 | 6,926 |
| Long-term assets (5+ years) | $1,520,000 | 8,051 |
| Average Assets, year-to-date | $29,445,500 | 8,780 |
| Average Assets, quarterly | $42,952,500 | 7,583 |
| Volatile liabilities | $11,256,000 | 4,602 |
| Insider loans | $0 | 9,792 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $8,487,000 | 3,823 |
| Tier 1 (core) risk-based capital | $7,162,000 | 5,493 |
| Tier 2 risk-based capital | $467,000 | 5,417 |
| Total risk weighted assets | $38,996,900 | 6,031 |
| Total unused commitments | $8,487,000 | 3,826 |
| Derivatives | $0 | 533 |