Home > Muskegon Commerce Bank > Assets and Liabilities
Muskegon Commerce Bank, Assets and Liabilities
| 2008-12-31 | Rank | |
| # of Employees: | 20 | 5,904 |
| Assets and Liabilities | ||
| Total Assets: | $90,455,000 | 5,486 |
| Cash and due from depository institutions | $8,967,000 | 5,904 |
| Interest-bearing balances | $6,705,000 | 1,494 |
| Securities | $77,000 | 8,007 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,377 |
| Net loans & leases | $71,923,000 | 4,913 |
| Loan loss allowance | $5,397,000 | 1,298 |
| Trading account assets | $0 | 236 |
| Bank premises and fixed assets | $3,258,000 | 3,543 |
| Other real estate owned | $1,530,000 | 5,904 |
| Goodwill and other intangibles | $700,000 | 1,886 |
| All other assets | $4,000,000 | 3,625 |
| Life insurance assets | $0 | 3,960 |
| Total liabilities and capital | $90,455,000 | 5,486 |
| Total liabilities | $83,232,000 | 5,360 |
| Total deposits | $73,795,000 | 5,437 |
| Interest-bearing deposits | $67,634,000 | 5,200 |
| Deposits held in domestic offices | $73,795,000 | 5,434 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,392 |
| Trading liabilities | $0 | 88 |
| Other borrowed funds | $9,094,000 | 3,351 |
| Subordinated debt | $0 | 278 |
| All other liabilities | $343,000 | 6,098 |
| Total equity capital | $7,223,000 | 6,348 |
| Total bank equity capital | $7,223,000 | 6,348 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $1,654,000 | 2,190 |
| Surplus | $9,481,000 | 2,761 |
| Undivided profits | $-3,912,000 | 7,807 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $8,740,000 | 1,238 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $319,000 | 507 |
| Income earned, not collected on loans | $343,000 | 6,702 |
| Earning assets | $78,705,000 | 5,617 |
| Long-term assets (5+ years) | $6,982,000 | 5,903 |
| Average Assets, year-to-date | $93,151,800 | 5,256 |
| Average Assets, quarterly | $88,588,000 | 5,496 |
| Volatile liabilities | $12,593,000 | 5,936 |
| Insider loans | $58,000 | 7,078 |
| FHLB advances | $9,094,000 | 3,243 |
| Loans and leases held for sale | $369,000 | 1,250 |
| Unused loan commitments | $7,546,000 | 5,058 |
| Tier 1 (core) risk-based capital | $5,333,000 | 6,947 |
| Tier 2 risk-based capital | $983,000 | 4,269 |
| Total risk weighted assets | $74,226,000 | 4,986 |
| Total unused commitments | $7,546,000 | 5,061 |
| Derivatives | $618,000 | 968 |
| 2008-09-30 | Rank | |
| # of Employees: | 21 | 5,841 |
| Assets and Liabilities | ||
| Total Assets: | $86,721,000 | 5,577 |
| Cash and due from depository institutions | $3,090,000 | 5,841 |
| Interest-bearing balances | $175,000 | 4,578 |
| Securities | $75,000 | 8,062 |
| Federal funds sold & reverse repurchase agreements | $800,000 | 4,756 |
| Net loans & leases | $73,803,000 | 4,825 |
| Loan loss allowance | $3,365,000 | 1,772 |
| Trading account assets | $0 | 251 |
| Bank premises and fixed assets | $3,254,000 | 3,547 |
| Other real estate owned | $1,744,000 | 5,841 |
| Goodwill and other intangibles | $700,000 | 1,937 |
| All other assets | $3,255,000 | 4,158 |
| Life insurance assets | $161,000 | 3,770 |
| Total liabilities and capital | $86,721,000 | 5,577 |
| Total liabilities | $80,098,000 | 5,443 |
| Total deposits | $67,114,000 | 5,672 |
| Interest-bearing deposits | $62,865,000 | 5,379 |
| Deposits held in domestic offices | $67,114,000 | 5,671 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,524 |
| Trading liabilities | $0 | 91 |
| Other borrowed funds | $10,594,000 | 3,121 |
| Subordinated debt | $2,000,000 | 235 |
| All other liabilities | $390,000 | 6,022 |
| Total equity capital | $6,623,000 | 6,646 |
| Total bank equity capital | $6,623,000 | 6,646 |
| Perpetual preferred stock | $0 | 110 |
| Common stock | $1,654,000 | 2,209 |
| Surplus | $7,371,000 | 3,275 |
| Undivided profits | $-2,402,000 | 7,810 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,839,000 | 1,641 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $233,000 | 581 |
| Income earned, not collected on loans | $360,000 | 6,737 |
| Earning assets | $74,853,000 | 5,737 |
| Long-term assets (5+ years) | $6,640,000 | 5,932 |
| Average Assets, year-to-date | $93,826,000 | 5,257 |
| Average Assets, quarterly | $90,315,000 | 5,418 |
| Volatile liabilities | $14,393,000 | 5,586 |
| Insider loans | $158,000 | 6,633 |
| FHLB advances | $10,594,000 | 2,996 |
| Loans and leases held for sale | $0 | 1,623 |
| Unused loan commitments | $8,746,000 | 4,957 |
| Tier 1 (core) risk-based capital | $5,320,000 | 7,048 |
| Tier 2 risk-based capital | $2,940,000 | 1,825 |
| Total risk weighted assets | $72,807,000 | 5,034 |
| Total unused commitments | $8,746,000 | 4,959 |
| Derivatives | $626,000 | 908 |
| 2008-06-30 | Rank | |
| # of Employees: | 24 | 5,512 |
| Assets and Liabilities | ||
| Total Assets: | $93,909,000 | 5,349 |
| Cash and due from depository institutions | $5,995,000 | 5,512 |
| Interest-bearing balances | $170,000 | 4,502 |
| Securities | $75,000 | 8,104 |
| Federal funds sold & reverse repurchase agreements | $3,400,000 | 2,925 |
| Net loans & leases | $75,722,000 | 4,735 |
| Loan loss allowance | $3,319,000 | 1,753 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $3,297,000 | 3,506 |
| Other real estate owned | $1,463,000 | 5,512 |
| Goodwill and other intangibles | $700,000 | 1,951 |
| All other assets | $3,257,000 | 4,095 |
| Life insurance assets | $140,000 | 3,824 |
| Total liabilities and capital | $93,909,000 | 5,349 |
| Total liabilities | $87,294,000 | 5,217 |
| Total deposits | $74,231,000 | 5,390 |
| Interest-bearing deposits | $69,289,000 | 5,084 |
| Deposits held in domestic offices | $74,231,000 | 5,387 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,577 |
| Trading liabilities | $0 | 94 |
| Other borrowed funds | $10,594,000 | 3,007 |
| Subordinated debt | $2,000,000 | 222 |
| All other liabilities | $469,000 | 5,595 |
| Total equity capital | $6,615,000 | 6,672 |
| Total bank equity capital | $6,615,000 | 6,672 |
| Perpetual preferred stock | $0 | 107 |
| Common stock | $1,654,000 | 2,228 |
| Surplus | $7,371,000 | 3,260 |
| Undivided profits | $-2,410,000 | 7,979 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,520,000 | 1,907 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $445,000 | 375 |
| Income earned, not collected on loans | $321,000 | 6,934 |
| Earning assets | $79,367,000 | 5,572 |
| Long-term assets (5+ years) | $7,167,000 | 5,830 |
| Average Assets, year-to-date | $96,194,330 | 5,209 |
| Average Assets, quarterly | $94,793,500 | 5,289 |
| Volatile liabilities | $21,540,000 | 4,601 |
| Insider loans | $174,000 | 6,604 |
| FHLB advances | $10,594,000 | 2,892 |
| Loans and leases held for sale | $451,000 | 1,190 |
| Unused loan commitments | $10,895,000 | 4,559 |
| Tier 1 (core) risk-based capital | $5,384,000 | 7,053 |
| Tier 2 risk-based capital | $2,970,000 | 1,782 |
| Total risk weighted assets | $75,242,000 | 4,922 |
| Total unused commitments | $10,895,000 | 4,559 |
| Derivatives | $0 | 1,075 |
| 2008-03-31 | Rank | |
| # of Employees: | 25 | 5,429 |
| Assets and Liabilities | ||
| Total Assets: | $95,678,000 | 5,275 |
| Cash and due from depository institutions | $3,763,000 | 5,429 |
| Interest-bearing balances | $165,000 | 4,572 |
| Securities | $77,000 | 8,146 |
| Federal funds sold & reverse repurchase agreements | $1,600,000 | 5,263 |
| Net loans & leases | $82,232,000 | 4,452 |
| Loan loss allowance | $2,108,000 | 2,492 |
| Trading account assets | $0 | 252 |
| Bank premises and fixed assets | $3,336,000 | 3,457 |
| Other real estate owned | $1,186,000 | 5,429 |
| Goodwill and other intangibles | $700,000 | 1,946 |
| All other assets | $2,784,000 | 4,361 |
| Life insurance assets | $141,000 | 3,838 |
| Total liabilities and capital | $95,678,000 | 5,275 |
| Total liabilities | $87,381,000 | 5,173 |
| Total deposits | $76,401,000 | 5,289 |
| Interest-bearing deposits | $72,415,000 | 4,994 |
| Deposits held in domestic offices | $76,401,000 | 5,286 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,157 |
| Trading liabilities | $0 | 86 |
| Other borrowed funds | $10,594,000 | 2,801 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $386,000 | 6,225 |
| Total equity capital | $8,297,000 | 6,123 |
| Total bank equity capital | $8,297,000 | 6,123 |
| Perpetual preferred stock | $0 | 108 |
| Common stock | $1,655,000 | 2,226 |
| Surplus | $7,096,000 | 3,304 |
| Undivided profits | $-454,000 | 7,656 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,395,000 | 1,446 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $419,000 | 375 |
| Income earned, not collected on loans | $355,000 | 6,689 |
| Earning assets | $84,074,000 | 5,407 |
| Long-term assets (5+ years) | $8,419,000 | 5,492 |
| Average Assets, year-to-date | $97,337,000 | 5,186 |
| Average Assets, quarterly | $97,337,000 | 5,186 |
| Volatile liabilities | $23,536,000 | 4,387 |
| Insider loans | $5,473,000 | 1,440 |
| FHLB advances | $10,594,000 | 2,695 |
| Loans and leases held for sale | $0 | 1,797 |
| Unused loan commitments | $12,512,000 | 4,338 |
| Tier 1 (core) risk-based capital | $7,040,000 | 6,444 |
| Tier 2 risk-based capital | $1,054,000 | 3,939 |
| Total risk weighted assets | $83,277,000 | 4,613 |
| Total unused commitments | $12,512,000 | 4,341 |
| Derivatives | $0 | 1,109 |
| 2007-12-31 | Rank | |
| # of Employees: | 23 | 5,690 |
| Assets and Liabilities | ||
| Total Assets: | $98,996,000 | 5,134 |
| Cash and due from depository institutions | $3,046,000 | 5,690 |
| Interest-bearing balances | $168,000 | 4,171 |
| Securities | $76,000 | 8,190 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,130 |
| Net loans & leases | $88,269,000 | 4,273 |
| Loan loss allowance | $1,762,000 | 2,817 |
| Trading account assets | $0 | 237 |
| Bank premises and fixed assets | $3,372,000 | 3,403 |
| Other real estate owned | $838,000 | 5,690 |
| Goodwill and other intangibles | $700,000 | 1,947 |
| All other assets | $2,695,000 | 4,485 |
| Life insurance assets | $141,000 | 3,849 |
| Total liabilities and capital | $98,996,000 | 5,134 |
| Total liabilities | $90,254,000 | 5,044 |
| Total deposits | $79,230,000 | 5,197 |
| Interest-bearing deposits | $74,726,000 | 4,858 |
| Deposits held in domestic offices | $79,230,000 | 5,195 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,000,000 | 2,380 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $8,594,000 | 2,951 |
| Subordinated debt | $0 | 248 |
| All other liabilities | $430,000 | 6,002 |
| Total equity capital | $8,742,000 | 5,907 |
| Total bank equity capital | $8,742,000 | 5,907 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $1,655,000 | 2,221 |
| Surplus | $7,096,000 | 3,280 |
| Undivided profits | $-9,000 | 7,588 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,627,000 | 1,840 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $324,000 | 433 |
| Income earned, not collected on loans | $401,000 | 6,608 |
| Earning assets | $88,513,000 | 5,201 |
| Long-term assets (5+ years) | $9,484,000 | 5,056 |
| Average Assets, year-to-date | $94,626,400 | 5,128 |
| Average Assets, quarterly | $95,939,500 | 5,196 |
| Volatile liabilities | $32,968,000 | 3,577 |
| Insider loans | $5,453,000 | 1,404 |
| FHLB advances | $8,594,000 | 2,837 |
| Loans and leases held for sale | $0 | 1,738 |
| Unused loan commitments | $10,937,000 | 4,599 |
| Tier 1 (core) risk-based capital | $8,043,000 | 6,048 |
| Tier 2 risk-based capital | $1,077,000 | 3,865 |
| Total risk weighted assets | $85,442,000 | 4,533 |
| Total unused commitments | $10,937,000 | 4,599 |
| Derivatives | $0 | 1,052 |
| 2007-09-30 | Rank | |
| # of Employees: | 26 | 5,325 |
| Assets and Liabilities | ||
| Total Assets: | $92,883,000 | 5,298 |
| Cash and due from depository institutions | $3,511,000 | 5,325 |
| Interest-bearing balances | $138,000 | 4,227 |
| Securities | $75,000 | 8,241 |
| Federal funds sold & reverse repurchase agreements | $500,000 | 5,499 |
| Net loans & leases | $81,427,000 | 4,436 |
| Loan loss allowance | $1,355,000 | 3,412 |
| Trading account assets | $0 | 244 |
| Bank premises and fixed assets | $3,410,000 | 3,338 |
| Other real estate owned | $767,000 | 5,325 |
| Goodwill and other intangibles | $700,000 | 1,936 |
| All other assets | $2,493,000 | 4,733 |
| Life insurance assets | $135,000 | 3,821 |
| Total liabilities and capital | $92,883,000 | 5,298 |
| Total liabilities | $83,743,000 | 5,227 |
| Total deposits | $76,732,000 | 5,248 |
| Interest-bearing deposits | $71,998,000 | 4,928 |
| Deposits held in domestic offices | $76,732,000 | 5,246 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,436 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $6,594,000 | 3,134 |
| Subordinated debt | $0 | 244 |
| All other liabilities | $417,000 | 6,198 |
| Total equity capital | $9,140,000 | 5,743 |
| Total bank equity capital | $9,140,000 | 5,743 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $1,655,000 | 2,199 |
| Surplus | $7,096,000 | 3,226 |
| Undivided profits | $389,000 | 7,360 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,538,000 | 2,395 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $371,000 | 387 |
| Income earned, not collected on loans | $415,000 | 6,773 |
| Earning assets | $82,140,000 | 5,398 |
| Long-term assets (5+ years) | $7,360,000 | 5,362 |
| Average Assets, year-to-date | $93,534,000 | 5,171 |
| Average Assets, quarterly | $92,506,000 | 5,268 |
| Volatile liabilities | $26,740,000 | 4,036 |
| Insider loans | $4,019,000 | 1,825 |
| FHLB advances | $6,594,000 | 3,000 |
| Loans and leases held for sale | $0 | 1,751 |
| Unused loan commitments | $12,588,000 | 4,317 |
| Tier 1 (core) risk-based capital | $8,442,000 | 5,916 |
| Tier 2 risk-based capital | $967,000 | 4,091 |
| Total risk weighted assets | $76,935,000 | 4,756 |
| Total unused commitments | $12,588,000 | 4,317 |
| Derivatives | $0 | 1,033 |
| 2007-06-30 | Rank | |
| # of Employees: | 26 | 5,380 |
| Assets and Liabilities | ||
| Total Assets: | $92,129,000 | 5,324 |
| Cash and due from depository institutions | $3,321,000 | 5,380 |
| Interest-bearing balances | $128,000 | 4,400 |
| Securities | $74,000 | 8,292 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,299 |
| Net loans & leases | $81,831,000 | 4,402 |
| Loan loss allowance | $1,280,000 | 3,550 |
| Trading account assets | $0 | 245 |
| Bank premises and fixed assets | $3,463,000 | 3,294 |
| Other real estate owned | $756,000 | 5,380 |
| Goodwill and other intangibles | $700,000 | 1,950 |
| All other assets | $1,984,000 | 5,258 |
| Life insurance assets | $111,000 | 3,882 |
| Total liabilities and capital | $92,129,000 | 5,324 |
| Total liabilities | $82,809,000 | 5,260 |
| Total deposits | $72,256,000 | 5,440 |
| Interest-bearing deposits | $68,015,000 | 5,094 |
| Deposits held in domestic offices | $72,256,000 | 5,438 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,500,000 | 2,135 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $7,594,000 | 2,875 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $459,000 | 5,766 |
| Total equity capital | $9,320,000 | 5,645 |
| Total bank equity capital | $9,320,000 | 5,645 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $1,655,000 | 2,198 |
| Surplus | $7,095,000 | 3,221 |
| Undivided profits | $570,000 | 7,229 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,494,000 | 2,253 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $301,000 | 455 |
| Income earned, not collected on loans | $360,000 | 6,897 |
| Earning assets | $82,033,000 | 5,407 |
| Long-term assets (5+ years) | $7,421,000 | 5,296 |
| Average Assets, year-to-date | $93,751,000 | 5,209 |
| Average Assets, quarterly | $92,395,500 | 5,281 |
| Volatile liabilities | $30,641,000 | 3,656 |
| Insider loans | $4,303,000 | 1,714 |
| FHLB advances | $7,594,000 | 2,747 |
| Loans and leases held for sale | $0 | 1,802 |
| Unused loan commitments | $11,374,000 | 4,556 |
| Tier 1 (core) risk-based capital | $8,622,000 | 5,824 |
| Tier 2 risk-based capital | $968,000 | 4,079 |
| Total risk weighted assets | $77,123,000 | 4,728 |
| Total unused commitments | $11,374,000 | 4,556 |
| Derivatives | $0 | 1,067 |
| 2007-03-31 | Rank | |
| # of Employees: | 25 | 5,497 |
| Assets and Liabilities | ||
| Total Assets: | $92,662,000 | 5,304 |
| Cash and due from depository institutions | $3,030,000 | 5,497 |
| Interest-bearing balances | $115,000 | 4,541 |
| Securities | $76,000 | 8,322 |
| Federal funds sold & reverse repurchase agreements | $400,000 | 6,381 |
| Net loans & leases | $82,162,000 | 4,369 |
| Loan loss allowance | $1,143,000 | 3,812 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $3,497,000 | 3,240 |
| Other real estate owned | $756,000 | 5,497 |
| Goodwill and other intangibles | $700,000 | 1,947 |
| All other assets | $2,041,000 | 5,078 |
| Life insurance assets | $111,000 | 3,886 |
| Total liabilities and capital | $92,662,000 | 5,304 |
| Total liabilities | $83,346,000 | 5,256 |
| Total deposits | $74,811,000 | 5,365 |
| Interest-bearing deposits | $70,238,000 | 5,018 |
| Deposits held in domestic offices | $74,811,000 | 5,362 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,056 |
| Trading liabilities | $0 | 89 |
| Other borrowed funds | $8,094,000 | 2,715 |
| Subordinated debt | $0 | 262 |
| All other liabilities | $441,000 | 5,857 |
| Total equity capital | $9,316,000 | 5,634 |
| Total bank equity capital | $9,316,000 | 5,634 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $1,655,000 | 2,189 |
| Surplus | $7,095,000 | 3,168 |
| Undivided profits | $566,000 | 7,331 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,339,000 | 2,290 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $344,000 | 417 |
| Income earned, not collected on loans | $385,000 | 6,673 |
| Earning assets | $82,753,000 | 5,389 |
| Long-term assets (5+ years) | $7,368,000 | 5,250 |
| Average Assets, year-to-date | $94,562,000 | 5,206 |
| Average Assets, quarterly | $94,562,000 | 5,206 |
| Volatile liabilities | $28,958,000 | 3,715 |
| Insider loans | $4,332,000 | 1,652 |
| FHLB advances | $8,094,000 | 2,595 |
| Loans and leases held for sale | $0 | 1,800 |
| Unused loan commitments | $11,618,000 | 4,510 |
| Tier 1 (core) risk-based capital | $8,617,000 | 5,786 |
| Tier 2 risk-based capital | $963,000 | 4,102 |
| Total risk weighted assets | $76,852,000 | 4,709 |
| Total unused commitments | $11,618,000 | 4,511 |
| Derivatives | $0 | 1,065 |
| 2006-12-31 | Rank | |
| # of Employees: | 25 | 5,495 |
| Assets and Liabilities | ||
| Total Assets: | $96,462,000 | 5,162 |
| Cash and due from depository institutions | $5,686,000 | 5,495 |
| Interest-bearing balances | $99,000 | 4,864 |
| Securities | $76,000 | 8,374 |
| Federal funds sold & reverse repurchase agreements | $2,400,000 | 4,182 |
| Net loans & leases | $80,118,000 | 4,416 |
| Loan loss allowance | $1,240,000 | 3,593 |
| Trading account assets | $0 | 156 |
| Bank premises and fixed assets | $3,540,000 | 3,176 |
| Other real estate owned | $818,000 | 5,495 |
| Goodwill and other intangibles | $700,000 | 1,935 |
| All other assets | $3,124,000 | 4,097 |
| Life insurance assets | $111,000 | 3,884 |
| Total liabilities and capital | $96,462,000 | 5,162 |
| Total liabilities | $86,874,000 | 5,118 |
| Total deposits | $75,804,000 | 5,303 |
| Interest-bearing deposits | $66,722,000 | 5,122 |
| Deposits held in domestic offices | $75,804,000 | 5,301 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,314 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $10,594,000 | 2,438 |
| Subordinated debt | $0 | 264 |
| All other liabilities | $476,000 | 5,626 |
| Total equity capital | $9,588,000 | 5,502 |
| Total bank equity capital | $9,588,000 | 5,502 |
| Perpetual preferred stock | $0 | 112 |
| Common stock | $1,655,000 | 2,177 |
| Surplus | $7,096,000 | 3,123 |
| Undivided profits | $837,000 | 7,189 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,933,000 | 806 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $651,000 | 246 |
| Income earned, not collected on loans | $406,000 | 6,661 |
| Earning assets | $82,693,000 | 5,359 |
| Long-term assets (5+ years) | $5,082,000 | 5,787 |
| Average Assets, year-to-date | $98,664,800 | 4,944 |
| Average Assets, quarterly | $100,398,000 | 4,987 |
| Volatile liabilities | $31,082,000 | 3,656 |
| Insider loans | $4,305,000 | 1,653 |
| FHLB advances | $10,594,000 | 2,328 |
| Loans and leases held for sale | $0 | 1,760 |
| Unused loan commitments | $13,262,000 | 4,154 |
| Tier 1 (core) risk-based capital | $8,890,000 | 5,664 |
| Tier 2 risk-based capital | $975,000 | 4,038 |
| Total risk weighted assets | $77,730,000 | 4,655 |
| Total unused commitments | $13,262,000 | 4,154 |
| Derivatives | $0 | 1,023 |
| 2006-09-30 | Rank | |
| # of Employees: | 25 | 5,537 |
| Assets and Liabilities | ||
| Total Assets: | $104,334,000 | 4,883 |
| Cash and due from depository institutions | $6,708,000 | 5,537 |
| Interest-bearing balances | $121,000 | 4,517 |
| Securities | $77,000 | 8,454 |
| Federal funds sold & reverse repurchase agreements | $5,480,000 | 2,292 |
| Net loans & leases | $84,835,000 | 4,250 |
| Loan loss allowance | $1,235,000 | 3,634 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $3,618,000 | 3,089 |
| Other real estate owned | $1,079,000 | 5,537 |
| Goodwill and other intangibles | $700,000 | 1,943 |
| All other assets | $1,837,000 | 5,424 |
| Life insurance assets | $85,000 | 3,902 |
| Total liabilities and capital | $104,334,000 | 4,883 |
| Total liabilities | $96,330,000 | 4,755 |
| Total deposits | $84,239,000 | 4,895 |
| Interest-bearing deposits | $75,348,000 | 4,708 |
| Deposits held in domestic offices | $84,239,000 | 4,892 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,596 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $11,594,000 | 2,418 |
| Subordinated debt | $0 | 269 |
| All other liabilities | $497,000 | 5,616 |
| Total equity capital | $8,004,000 | 6,049 |
| Total bank equity capital | $8,004,000 | 6,049 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $1,655,000 | 2,184 |
| Surplus | $5,196,000 | 3,772 |
| Undivided profits | $1,153,000 | 7,052 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,496,000 | 1,232 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $220,000 | 524 |
| Income earned, not collected on loans | $467,000 | 6,368 |
| Earning assets | $90,513,000 | 5,065 |
| Long-term assets (5+ years) | $4,596,000 | 5,947 |
| Average Assets, year-to-date | $99,215,500 | 4,943 |
| Average Assets, quarterly | $101,157,500 | 4,943 |
| Volatile liabilities | $33,612,000 | 3,479 |
| Insider loans | $4,355,000 | 1,614 |
| FHLB advances | $11,594,000 | 2,299 |
| Loans and leases held for sale | $0 | 1,773 |
| Unused loan commitments | $10,628,000 | 4,647 |
| Tier 1 (core) risk-based capital | $7,306,000 | 6,286 |
| Tier 2 risk-based capital | $1,019,000 | 3,934 |
| Total risk weighted assets | $81,332,000 | 4,537 |
| Total unused commitments | $10,628,000 | 4,649 |
| Derivatives | $0 | 1,023 |
| 2006-06-30 | Rank | |
| # of Employees: | 23 | 5,813 |
| Assets and Liabilities | ||
| Total Assets: | $97,981,000 | 5,054 |
| Cash and due from depository institutions | $4,495,000 | 5,813 |
| Interest-bearing balances | $34,000 | 5,773 |
| Securities | $75,000 | 8,502 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,870 |
| Net loans & leases | $86,777,000 | 4,170 |
| Loan loss allowance | $1,085,000 | 3,925 |
| Trading account assets | $0 | 157 |
| Bank premises and fixed assets | $3,618,000 | 3,065 |
| Other real estate owned | $633,000 | 5,813 |
| Goodwill and other intangibles | $700,000 | 1,940 |
| All other assets | $1,683,000 | 5,581 |
| Life insurance assets | $85,000 | 3,886 |
| Total liabilities and capital | $97,981,000 | 5,054 |
| Total liabilities | $89,609,000 | 4,967 |
| Total deposits | $72,415,000 | 5,365 |
| Interest-bearing deposits | $64,083,000 | 5,206 |
| Deposits held in domestic offices | $72,415,000 | 5,362 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,300,000 | 1,828 |
| Trading liabilities | $0 | 73 |
| Other borrowed funds | $12,500,000 | 2,349 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $394,000 | 5,856 |
| Total equity capital | $8,372,000 | 5,779 |
| Total bank equity capital | $8,372,000 | 5,779 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $1,655,000 | 2,177 |
| Surplus | $5,196,000 | 3,721 |
| Undivided profits | $1,521,000 | 6,646 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,907,000 | 1,441 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,150 |
| Income earned, not collected on loans | $441,000 | 6,210 |
| Earning assets | $86,886,000 | 5,158 |
| Long-term assets (5+ years) | $3,413,000 | 6,294 |
| Average Assets, year-to-date | $97,509,330 | 5,006 |
| Average Assets, quarterly | $97,939,500 | 5,020 |
| Volatile liabilities | $34,915,000 | 3,340 |
| Insider loans | $4,288,000 | 1,605 |
| FHLB advances | $12,500,000 | 2,225 |
| Loans and leases held for sale | $0 | 1,763 |
| Unused loan commitments | $9,300,000 | 4,925 |
| Tier 1 (core) risk-based capital | $7,675,000 | 6,088 |
| Tier 2 risk-based capital | $1,024,000 | 3,897 |
| Total risk weighted assets | $81,875,000 | 4,472 |
| Total unused commitments | $9,300,000 | 4,926 |
| Derivatives | $0 | 1,000 |
| 2006-03-31 | Rank | |
| # of Employees: | 23 | 5,769 |
| Assets and Liabilities | ||
| Total Assets: | $97,898,000 | 5,040 |
| Cash and due from depository institutions | $3,069,000 | 5,769 |
| Interest-bearing balances | $38,000 | 5,777 |
| Securities | $76,000 | 8,536 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,312 |
| Net loans & leases | $87,853,000 | 4,070 |
| Loan loss allowance | $1,032,000 | 4,028 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $3,917,000 | 2,810 |
| Other real estate owned | $646,000 | 5,769 |
| Goodwill and other intangibles | $700,000 | 1,920 |
| All other assets | $1,637,000 | 5,563 |
| Life insurance assets | $85,000 | 3,855 |
| Total liabilities and capital | $97,898,000 | 5,040 |
| Total liabilities | $89,317,000 | 4,971 |
| Total deposits | $69,905,000 | 5,469 |
| Interest-bearing deposits | $64,168,000 | 5,190 |
| Deposits held in domestic offices | $69,905,000 | 5,466 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $6,400,000 | 1,428 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $12,500,000 | 2,246 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $512,000 | 5,100 |
| Total equity capital | $8,581,000 | 5,672 |
| Total bank equity capital | $8,581,000 | 5,672 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $1,655,000 | 2,164 |
| Surplus | $5,196,000 | 3,651 |
| Undivided profits | $1,730,000 | 6,532 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,257,000 | 1,172 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,164 |
| Income earned, not collected on loans | $413,000 | 6,254 |
| Earning assets | $87,967,000 | 5,102 |
| Long-term assets (5+ years) | $2,273,000 | 6,695 |
| Average Assets, year-to-date | $97,273,500 | 5,037 |
| Average Assets, quarterly | $97,273,500 | 5,037 |
| Volatile liabilities | $40,540,000 | 2,893 |
| Insider loans | $5,803,000 | 1,165 |
| FHLB advances | $12,500,000 | 2,149 |
| Loans and leases held for sale | $0 | 1,721 |
| Unused loan commitments | $13,024,000 | 4,235 |
| Tier 1 (core) risk-based capital | $7,883,000 | 5,937 |
| Tier 2 risk-based capital | $1,032,000 | 3,829 |
| Total risk weighted assets | $86,606,000 | 4,258 |
| Total unused commitments | $13,024,000 | 4,235 |
| Derivatives | $0 | 990 |
| 2005-12-31 | Rank | |
| # of Employees: | 22 | 5,922 |
| Assets and Liabilities | ||
| Total Assets: | $96,649,000 | 5,075 |
| Cash and due from depository institutions | $3,282,000 | 5,922 |
| Interest-bearing balances | $70,000 | 5,423 |
| Securities | $78,000 | 8,593 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,145 |
| Net loans & leases | $86,986,000 | 4,073 |
| Loan loss allowance | $1,021,000 | 4,038 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $3,262,000 | 3,208 |
| Other real estate owned | $646,000 | 5,922 |
| Goodwill and other intangibles | $700,000 | 1,911 |
| All other assets | $1,695,000 | 5,480 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $96,649,000 | 5,075 |
| Total liabilities | $87,920,000 | 5,006 |
| Total deposits | $72,150,000 | 5,369 |
| Interest-bearing deposits | $65,833,000 | 5,072 |
| Deposits held in domestic offices | $72,150,000 | 5,366 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,900,000 | 2,049 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $12,500,000 | 2,324 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $370,000 | 5,814 |
| Total equity capital | $8,729,000 | 5,596 |
| Total bank equity capital | $8,729,000 | 5,596 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $1,655,000 | 2,160 |
| Surplus | $5,196,000 | 3,613 |
| Undivided profits | $1,878,000 | 6,469 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,430,000 | 1,743 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $451,000 | 6,070 |
| Earning assets | $87,134,000 | 5,123 |
| Long-term assets (5+ years) | $2,275,000 | 6,719 |
| Average Assets, year-to-date | $95,615,400 | 4,963 |
| Average Assets, quarterly | $97,325,000 | 5,016 |
| Volatile liabilities | $36,943,000 | 3,042 |
| Insider loans | $5,975,000 | 1,122 |
| FHLB advances | $12,500,000 | 2,203 |
| Loans and leases held for sale | $0 | 1,743 |
| Unused loan commitments | $17,704,000 | 3,534 |
| Tier 1 (core) risk-based capital | $8,030,000 | 5,831 |
| Tier 2 risk-based capital | $1,021,000 | 3,835 |
| Total risk weighted assets | $85,008,000 | 4,287 |
| Total unused commitments | $17,704,000 | 3,535 |
| Derivatives | $0 | 930 |
| 2005-09-30 | Rank | |
| # of Employees: | 24 | 5,671 |
| Assets and Liabilities | ||
| Total Assets: | $98,001,000 | 4,996 |
| Cash and due from depository institutions | $3,337,000 | 5,671 |
| Interest-bearing balances | $44,000 | 5,766 |
| Securities | $78,000 | 8,632 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,951 |
| Net loans & leases | $89,564,000 | 3,977 |
| Loan loss allowance | $905,000 | 4,374 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $2,726,000 | 3,608 |
| Other real estate owned | $24,000 | 5,671 |
| Goodwill and other intangibles | $700,000 | 1,884 |
| All other assets | $1,572,000 | 5,636 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $98,001,000 | 4,996 |
| Total liabilities | $89,240,000 | 4,915 |
| Total deposits | $66,391,000 | 5,581 |
| Interest-bearing deposits | $60,356,000 | 5,308 |
| Deposits held in domestic offices | $66,391,000 | 5,578 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,500,000 | 1,170 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $13,000,000 | 2,296 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $349,000 | 6,069 |
| Total equity capital | $8,761,000 | 5,569 |
| Total bank equity capital | $8,761,000 | 5,569 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $1,655,000 | 2,128 |
| Surplus | $5,196,000 | 3,559 |
| Undivided profits | $1,910,000 | 6,540 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,890,000 | 1,371 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $405,000 | 6,383 |
| Earning assets | $89,686,000 | 4,982 |
| Long-term assets (5+ years) | $2,277,000 | 6,785 |
| Average Assets, year-to-date | $95,357,000 | 4,982 |
| Average Assets, quarterly | $96,684,500 | 5,002 |
| Volatile liabilities | $42,738,000 | 2,655 |
| Insider loans | $3,843,000 | 1,693 |
| FHLB advances | $13,000,000 | 2,159 |
| Loans and leases held for sale | $0 | 1,843 |
| Unused loan commitments | $19,227,000 | 3,342 |
| Tier 1 (core) risk-based capital | $8,062,000 | 5,785 |
| Tier 2 risk-based capital | $905,000 | 4,130 |
| Total risk weighted assets | $86,118,000 | 4,211 |
| Total unused commitments | $19,227,000 | 3,344 |
| Derivatives | $0 | 909 |
| 2005-06-30 | Rank | |
| # of Employees: | 21 | 6,099 |
| Assets and Liabilities | ||
| Total Assets: | $95,368,000 | 5,027 |
| Cash and due from depository institutions | $2,996,000 | 6,099 |
| Interest-bearing balances | $45,000 | 5,745 |
| Securities | $80,000 | 8,654 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,776 |
| Net loans & leases | $88,548,000 | 3,940 |
| Loan loss allowance | $912,000 | 4,321 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $1,570,000 | 4,906 |
| Other real estate owned | $0 | 6,099 |
| Goodwill and other intangibles | $700,000 | 1,887 |
| All other assets | $1,474,000 | 5,648 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $95,368,000 | 5,027 |
| Total liabilities | $85,382,000 | 5,015 |
| Total deposits | $62,751,000 | 5,716 |
| Interest-bearing deposits | $56,978,000 | 5,470 |
| Deposits held in domestic offices | $62,751,000 | 5,714 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,100,000 | 1,207 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $13,000,000 | 2,272 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $531,000 | 4,719 |
| Total equity capital | $9,986,000 | 5,100 |
| Total bank equity capital | $9,986,000 | 5,100 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $1,655,000 | 2,108 |
| Surplus | $5,196,000 | 3,514 |
| Undivided profits | $3,135,000 | 5,630 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,151,000 | 2,083 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $372,000 | 6,367 |
| Earning assets | $88,673,000 | 4,985 |
| Long-term assets (5+ years) | $131,000 | 7,814 |
| Average Assets, year-to-date | $94,475,670 | 5,003 |
| Average Assets, quarterly | $94,632,000 | 5,021 |
| Volatile liabilities | $40,745,000 | 2,646 |
| Insider loans | $3,908,000 | 1,643 |
| FHLB advances | $13,000,000 | 2,157 |
| Loans and leases held for sale | $0 | 1,818 |
| Unused loan commitments | $21,471,000 | 3,051 |
| Tier 1 (core) risk-based capital | $9,286,000 | 5,216 |
| Tier 2 risk-based capital | $912,000 | 4,079 |
| Total risk weighted assets | $84,563,000 | 4,204 |
| Total unused commitments | $21,471,000 | 3,052 |
| Derivatives | $0 | 866 |
| 2005-03-31 | Rank | |
| # of Employees: | 22 | 5,996 |
| Assets and Liabilities | ||
| Total Assets: | $93,896,000 | 5,093 |
| Cash and due from depository institutions | $2,460,000 | 5,996 |
| Interest-bearing balances | $50,000 | 5,718 |
| Securities | $79,000 | 8,728 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,340 |
| Net loans & leases | $87,432,000 | 3,942 |
| Loan loss allowance | $885,000 | 4,408 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $1,404,000 | 5,156 |
| Other real estate owned | $312,000 | 5,996 |
| Goodwill and other intangibles | $700,000 | 1,887 |
| All other assets | $1,509,000 | 5,605 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $93,896,000 | 5,093 |
| Total liabilities | $84,155,000 | 5,072 |
| Total deposits | $62,297,000 | 5,766 |
| Interest-bearing deposits | $56,197,000 | 5,551 |
| Deposits held in domestic offices | $62,297,000 | 5,763 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $8,400,000 | 1,211 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $13,000,000 | 2,200 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $458,000 | 4,998 |
| Total equity capital | $9,741,000 | 5,111 |
| Total bank equity capital | $9,741,000 | 5,111 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $1,655,000 | 2,115 |
| Surplus | $5,196,000 | 3,482 |
| Undivided profits | $2,890,000 | 5,748 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,432,000 | 1,760 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $363,000 | 6,355 |
| Earning assets | $87,561,000 | 5,037 |
| Long-term assets (5+ years) | $195,000 | 7,848 |
| Average Assets, year-to-date | $94,029,500 | 5,065 |
| Average Assets, quarterly | $94,029,500 | 5,065 |
| Volatile liabilities | $41,705,000 | 2,523 |
| Insider loans | $3,528,000 | 1,739 |
| FHLB advances | $13,000,000 | 2,088 |
| Loans and leases held for sale | $0 | 1,762 |
| Unused loan commitments | $17,095,000 | 3,464 |
| Tier 1 (core) risk-based capital | $9,042,000 | 5,265 |
| Tier 2 risk-based capital | $885,000 | 4,143 |
| Total risk weighted assets | $83,727,000 | 4,208 |
| Total unused commitments | $17,095,000 | 3,465 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 18 | 6,566 |
| Assets and Liabilities | ||
| Total Assets: | $94,163,000 | 5,087 |
| Cash and due from depository institutions | $2,517,000 | 6,566 |
| Interest-bearing balances | $140,000 | 4,708 |
| Securities | $81,000 | 8,770 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,164 |
| Net loans & leases | $87,788,000 | 3,901 |
| Loan loss allowance | $904,000 | 4,327 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $1,394,000 | 5,179 |
| Other real estate owned | $124,000 | 6,566 |
| Goodwill and other intangibles | $700,000 | 1,893 |
| All other assets | $1,559,000 | 5,470 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $94,163,000 | 5,087 |
| Total liabilities | $84,492,000 | 5,061 |
| Total deposits | $67,242,000 | 5,508 |
| Interest-bearing deposits | $61,254,000 | 5,244 |
| Deposits held in domestic offices | $67,242,000 | 5,505 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,000,000 | 1,767 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $13,000,000 | 2,231 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $250,000 | 6,397 |
| Total equity capital | $9,671,000 | 5,110 |
| Total bank equity capital | $9,671,000 | 5,110 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $1,655,000 | 2,097 |
| Surplus | $5,196,000 | 3,448 |
| Undivided profits | $2,820,000 | 5,896 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,523,000 | 1,676 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $426,000 | 5,857 |
| Earning assets | $88,009,000 | 5,016 |
| Long-term assets (5+ years) | $329,000 | 7,821 |
| Average Assets, year-to-date | $90,279,800 | 5,095 |
| Average Assets, quarterly | $93,847,000 | 5,064 |
| Volatile liabilities | $40,490,000 | 2,511 |
| Insider loans | $3,657,000 | 1,668 |
| FHLB advances | $13,000,000 | 2,105 |
| Loans and leases held for sale | $0 | 1,753 |
| Unused loan commitments | $22,415,000 | 2,806 |
| Tier 1 (core) risk-based capital | $8,971,000 | 5,242 |
| Tier 2 risk-based capital | $904,000 | 4,065 |
| Total risk weighted assets | $82,659,000 | 4,216 |
| Total unused commitments | $22,415,000 | 2,808 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 18 | 6,572 |
| Assets and Liabilities | ||
| Total Assets: | $93,531,000 | 5,071 |
| Cash and due from depository institutions | $4,038,000 | 6,572 |
| Interest-bearing balances | $62,000 | 5,636 |
| Securities | $81,000 | 8,818 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,928 |
| Net loans & leases | $85,998,000 | 3,910 |
| Loan loss allowance | $1,017,000 | 3,971 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $1,109,000 | 5,659 |
| Other real estate owned | $124,000 | 6,572 |
| Goodwill and other intangibles | $700,000 | 1,856 |
| All other assets | $1,481,000 | 5,600 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $93,531,000 | 5,071 |
| Total liabilities | $84,094,000 | 5,051 |
| Total deposits | $63,690,000 | 5,642 |
| Interest-bearing deposits | $57,313,000 | 5,437 |
| Deposits held in domestic offices | $63,690,000 | 5,639 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,000,000 | 1,202 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $11,000,000 | 2,422 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $404,000 | 5,465 |
| Total equity capital | $9,437,000 | 5,191 |
| Total bank equity capital | $9,437,000 | 5,191 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $1,655,000 | 2,095 |
| Surplus | $5,196,000 | 3,392 |
| Undivided profits | $2,586,000 | 6,103 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,708,000 | 1,614 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $415,000 | 6,097 |
| Earning assets | $86,141,000 | 5,040 |
| Long-term assets (5+ years) | $379,000 | 7,848 |
| Average Assets, year-to-date | $89,309,000 | 5,125 |
| Average Assets, quarterly | $93,809,500 | 5,018 |
| Volatile liabilities | $34,891,000 | 2,774 |
| Insider loans | $3,051,000 | 1,921 |
| FHLB advances | $11,000,000 | 2,298 |
| Loans and leases held for sale | $0 | 1,808 |
| Unused loan commitments | $20,323,000 | 2,973 |
| Tier 1 (core) risk-based capital | $8,737,000 | 5,306 |
| Tier 2 risk-based capital | $1,017,000 | 3,726 |
| Total risk weighted assets | $83,076,000 | 4,161 |
| Total unused commitments | $20,323,000 | 2,976 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 20 | 6,337 |
| Assets and Liabilities | ||
| Total Assets: | $94,088,000 | 5,023 |
| Cash and due from depository institutions | $6,682,000 | 6,337 |
| Interest-bearing balances | $35,000 | 6,031 |
| Securities | $81,000 | 8,877 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,884 |
| Net loans & leases | $84,297,000 | 3,924 |
| Loan loss allowance | $1,004,000 | 3,994 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $969,000 | 5,961 |
| Other real estate owned | $0 | 6,337 |
| Goodwill and other intangibles | $700,000 | 1,852 |
| All other assets | $1,359,000 | 5,813 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $94,088,000 | 5,023 |
| Total liabilities | $84,908,000 | 5,000 |
| Total deposits | $65,566,000 | 5,567 |
| Interest-bearing deposits | $59,481,000 | 5,333 |
| Deposits held in domestic offices | $65,566,000 | 5,565 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $8,100,000 | 1,277 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $11,000,000 | 2,410 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $242,000 | 6,370 |
| Total equity capital | $9,180,000 | 5,162 |
| Total bank equity capital | $9,180,000 | 5,162 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $1,655,000 | 2,097 |
| Surplus | $4,496,000 | 3,733 |
| Undivided profits | $3,029,000 | 5,655 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,868,000 | 1,517 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $378,000 | 6,205 |
| Earning assets | $84,413,000 | 5,101 |
| Long-term assets (5+ years) | $891,000 | 7,677 |
| Average Assets, year-to-date | $87,901,670 | 5,207 |
| Average Assets, quarterly | $88,898,500 | 5,196 |
| Volatile liabilities | $32,946,000 | 2,824 |
| Insider loans | $2,919,000 | 1,974 |
| FHLB advances | $11,000,000 | 2,281 |
| Loans and leases held for sale | $0 | 1,820 |
| Unused loan commitments | $21,363,000 | 2,874 |
| Tier 1 (core) risk-based capital | $8,480,000 | 5,363 |
| Tier 2 risk-based capital | $1,004,000 | 3,724 |
| Total risk weighted assets | $81,388,000 | 4,182 |
| Total unused commitments | $21,363,000 | 2,877 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 19 | 6,492 |
| Assets and Liabilities | ||
| Total Assets: | $83,709,000 | 5,406 |
| Cash and due from depository institutions | $3,696,000 | 6,492 |
| Interest-bearing balances | $30,000 | 6,202 |
| Securities | $82,000 | 8,920 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,767 |
| Net loans & leases | $76,821,000 | 4,119 |
| Loan loss allowance | $1,034,000 | 3,876 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $996,000 | 5,890 |
| Other real estate owned | $0 | 6,492 |
| Goodwill and other intangibles | $700,000 | 1,852 |
| All other assets | $1,414,000 | 5,545 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $83,709,000 | 5,406 |
| Total liabilities | $74,651,000 | 5,413 |
| Total deposits | $60,191,000 | 5,879 |
| Interest-bearing deposits | $54,539,000 | 5,650 |
| Deposits held in domestic offices | $60,191,000 | 5,876 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,100,000 | 1,639 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $10,000,000 | 2,415 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $360,000 | 5,761 |
| Total equity capital | $9,058,000 | 5,274 |
| Total bank equity capital | $9,058,000 | 5,274 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $1,655,000 | 2,094 |
| Surplus | $4,496,000 | 3,694 |
| Undivided profits | $2,907,000 | 5,937 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,268,000 | 2,208 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $428,000 | 5,736 |
| Earning assets | $76,933,000 | 5,414 |
| Long-term assets (5+ years) | $221,000 | 7,989 |
| Average Assets, year-to-date | $84,808,500 | 5,333 |
| Average Assets, quarterly | $84,808,500 | 5,333 |
| Volatile liabilities | $26,041,000 | 3,232 |
| Insider loans | $2,687,000 | 2,089 |
| FHLB advances | $10,000,000 | 2,279 |
| Loans and leases held for sale | $0 | 1,884 |
| Unused loan commitments | $15,577,000 | 3,434 |
| Tier 1 (core) risk-based capital | $8,358,000 | 5,365 |
| Tier 2 risk-based capital | $942,000 | 3,851 |
| Total risk weighted assets | $75,279,000 | 4,351 |
| Total unused commitments | $15,577,000 | 3,441 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 19 | 6,499 |
| Assets and Liabilities | ||
| Total Assets: | $85,908,000 | 5,297 |
| Cash and due from depository institutions | $4,653,000 | 6,499 |
| Interest-bearing balances | $30,000 | 6,167 |
| Securities | $0 | 9,026 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,359 |
| Net loans & leases | $78,197,000 | 4,034 |
| Loan loss allowance | $1,026,000 | 3,879 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $958,000 | 5,995 |
| Other real estate owned | $0 | 6,499 |
| Goodwill and other intangibles | $700,000 | 1,840 |
| All other assets | $1,400,000 | 5,620 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $85,908,000 | 5,297 |
| Total liabilities | $76,953,000 | 5,292 |
| Total deposits | $60,927,000 | 5,824 |
| Interest-bearing deposits | $52,924,000 | 5,727 |
| Deposits held in domestic offices | $60,927,000 | 5,822 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,800,000 | 1,493 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $10,000,000 | 2,410 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $226,000 | 6,759 |
| Total equity capital | $8,955,000 | 5,243 |
| Total bank equity capital | $8,955,000 | 5,243 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $1,655,000 | 2,109 |
| Surplus | $4,496,000 | 3,660 |
| Undivided profits | $2,804,000 | 5,957 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,678,000 | 1,155 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $429,000 | 5,853 |
| Earning assets | $78,227,000 | 5,308 |
| Long-term assets (5+ years) | $128,000 | 8,077 |
| Average Assets, year-to-date | $85,936,400 | 5,191 |
| Average Assets, quarterly | $86,067,500 | 5,271 |
| Volatile liabilities | $27,246,000 | 3,137 |
| Insider loans | $2,398,000 | 2,253 |
| FHLB advances | $10,000,000 | 2,267 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $17,321,000 | 3,136 |
| Tier 1 (core) risk-based capital | $8,255,000 | 5,369 |
| Tier 2 risk-based capital | $967,000 | 3,768 |
| Total risk weighted assets | $77,310,000 | 4,238 |
| Total unused commitments | $17,321,000 | 3,138 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 19 | 6,521 |
| Assets and Liabilities | ||
| Total Assets: | $86,227,000 | 5,288 |
| Cash and due from depository institutions | $4,214,000 | 6,521 |
| Interest-bearing balances | $21,000 | 6,387 |
| Securities | $0 | 9,073 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,602 |
| Net loans & leases | $79,004,000 | 3,992 |
| Loan loss allowance | $1,042,000 | 3,841 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $953,000 | 6,005 |
| Other real estate owned | $59,000 | 6,521 |
| Goodwill and other intangibles | $700,000 | 1,822 |
| All other assets | $1,297,000 | 5,839 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $86,227,000 | 5,288 |
| Total liabilities | $77,420,000 | 5,270 |
| Total deposits | $60,157,000 | 5,841 |
| Interest-bearing deposits | $54,473,000 | 5,642 |
| Deposits held in domestic offices | $60,157,000 | 5,839 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $7,000,000 | 1,316 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $10,000,000 | 2,372 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $263,000 | 6,731 |
| Total equity capital | $8,807,000 | 5,289 |
| Total bank equity capital | $8,807,000 | 5,289 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $1,655,000 | 2,117 |
| Surplus | $4,496,000 | 3,589 |
| Undivided profits | $2,656,000 | 6,112 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,080,000 | 1,052 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $411,000 | 6,168 |
| Earning assets | $79,025,000 | 5,285 |
| Long-term assets (5+ years) | $131,000 | 8,139 |
| Average Assets, year-to-date | $85,943,500 | 5,214 |
| Average Assets, quarterly | $85,535,000 | 5,280 |
| Volatile liabilities | $30,696,000 | 2,842 |
| Insider loans | $3,692,000 | 1,502 |
| FHLB advances | $10,000,000 | 2,220 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $14,991,000 | 3,404 |
| Tier 1 (core) risk-based capital | $8,107,000 | 5,426 |
| Tier 2 risk-based capital | $970,000 | 3,763 |
| Total risk weighted assets | $77,539,000 | 4,221 |
| Total unused commitments | $14,991,000 | 3,407 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 17 | 6,861 |
| Assets and Liabilities | ||
| Total Assets: | $84,843,000 | 5,332 |
| Cash and due from depository institutions | $4,445,000 | 6,861 |
| Interest-bearing balances | $15,000 | 6,557 |
| Securities | $0 | 9,101 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,888 |
| Net loans & leases | $77,305,000 | 4,040 |
| Loan loss allowance | $1,018,000 | 3,863 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $933,000 | 6,033 |
| Other real estate owned | $187,000 | 6,861 |
| Goodwill and other intangibles | $700,000 | 1,781 |
| All other assets | $1,273,000 | 5,770 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $84,843,000 | 5,332 |
| Total liabilities | $76,171,000 | 5,330 |
| Total deposits | $58,780,000 | 5,928 |
| Interest-bearing deposits | $52,914,000 | 5,738 |
| Deposits held in domestic offices | $58,780,000 | 5,926 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $7,000,000 | 1,259 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $10,000,000 | 2,335 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $391,000 | 5,786 |
| Total equity capital | $8,672,000 | 5,327 |
| Total bank equity capital | $8,672,000 | 5,327 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $1,655,000 | 2,117 |
| Surplus | $4,496,000 | 3,559 |
| Undivided profits | $2,521,000 | 6,262 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,761,000 | 1,192 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $405,000 | 6,093 |
| Earning assets | $77,320,000 | 5,348 |
| Long-term assets (5+ years) | $134,000 | 8,158 |
| Average Assets, year-to-date | $85,849,000 | 5,216 |
| Average Assets, quarterly | $85,541,000 | 5,276 |
| Volatile liabilities | $23,797,000 | 3,383 |
| Insider loans | $4,655,000 | 1,137 |
| FHLB advances | $10,000,000 | 2,177 |
| Loans and leases held for sale | $0 | 2,044 |
| Unused loan commitments | $19,627,000 | 2,838 |
| Tier 1 (core) risk-based capital | $7,972,000 | 5,408 |
| Tier 2 risk-based capital | $937,000 | 3,809 |
| Total risk weighted assets | $74,890,000 | 4,309 |
| Total unused commitments | $19,627,000 | 2,847 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 16 | 7,027 |
| Assets and Liabilities | ||
| Total Assets: | $86,239,000 | 5,224 |
| Cash and due from depository institutions | $4,586,000 | 7,027 |
| Interest-bearing balances | $36,000 | 6,074 |
| Securities | $0 | 9,153 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,247 |
| Net loans & leases | $78,532,000 | 3,944 |
| Loan loss allowance | $1,012,000 | 3,815 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $894,000 | 6,111 |
| Other real estate owned | $187,000 | 7,027 |
| Goodwill and other intangibles | $700,000 | 1,758 |
| All other assets | $1,340,000 | 5,593 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $86,239,000 | 5,224 |
| Total liabilities | $77,783,000 | 5,190 |
| Total deposits | $60,354,000 | 5,806 |
| Interest-bearing deposits | $55,346,000 | 5,580 |
| Deposits held in domestic offices | $60,354,000 | 5,804 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $7,000,000 | 1,193 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $10,000,000 | 2,262 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $429,000 | 5,572 |
| Total equity capital | $8,456,000 | 5,346 |
| Total bank equity capital | $8,456,000 | 5,346 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $1,655,000 | 2,129 |
| Surplus | $4,496,000 | 3,516 |
| Undivided profits | $2,305,000 | 6,382 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,889,000 | 1,138 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $404,000 | 6,125 |
| Earning assets | $78,568,000 | 5,232 |
| Long-term assets (5+ years) | $425,000 | 8,030 |
| Average Assets, year-to-date | $86,352,000 | 5,185 |
| Average Assets, quarterly | $86,352,000 | 5,185 |
| Volatile liabilities | $26,728,000 | 3,073 |
| Insider loans | $7,047,000 | 717 |
| FHLB advances | $10,000,000 | 2,119 |
| Loans and leases held for sale | $0 | 1,961 |
| Unused loan commitments | $17,216,000 | 2,987 |
| Tier 1 (core) risk-based capital | $7,756,000 | 5,447 |
| Tier 2 risk-based capital | $959,000 | 3,693 |
| Total risk weighted assets | $76,706,000 | 4,175 |
| Total unused commitments | $17,216,000 | 2,998 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 16 | 7,031 |
| Assets and Liabilities | ||
| Total Assets: | $86,465,000 | 5,166 |
| Cash and due from depository institutions | $7,268,000 | 7,031 |
| Interest-bearing balances | $123,000 | 4,941 |
| Securities | $0 | 9,193 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,991 |
| Net loans & leases | $76,281,000 | 4,016 |
| Loan loss allowance | $966,000 | 3,902 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $917,000 | 6,046 |
| Other real estate owned | $0 | 7,031 |
| Goodwill and other intangibles | $700,000 | 1,745 |
| All other assets | $1,299,000 | 5,732 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $86,465,000 | 5,166 |
| Total liabilities | $78,187,000 | 5,125 |
| Total deposits | $53,090,000 | 6,199 |
| Interest-bearing deposits | $47,326,000 | 6,041 |
| Deposits held in domestic offices | $53,090,000 | 6,196 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $16,400,000 | 794 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $8,500,000 | 2,506 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $197,000 | 7,570 |
| Total equity capital | $8,278,000 | 5,373 |
| Total bank equity capital | $8,278,000 | 5,373 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $1,655,000 | 2,126 |
| Surplus | $4,496,000 | 3,476 |
| Undivided profits | $2,127,000 | 6,541 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,805,000 | 1,696 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $400,000 | 6,360 |
| Earning assets | $76,404,000 | 5,276 |
| Long-term assets (5+ years) | $484,000 | 8,017 |
| Average Assets, year-to-date | $81,236,600 | 5,209 |
| Average Assets, quarterly | $85,883,000 | 5,147 |
| Volatile liabilities | $35,624,000 | 2,442 |
| Insider loans | $5,960,000 | 836 |
| FHLB advances | $8,500,000 | 2,353 |
| Loans and leases held for sale | $0 | 1,889 |
| Unused loan commitments | $15,398,000 | 3,114 |
| Tier 1 (core) risk-based capital | $7,578,000 | 5,479 |
| Tier 2 risk-based capital | $933,000 | 3,722 |
| Total risk weighted assets | $74,577,000 | 4,250 |
| Total unused commitments | $15,398,000 | 3,119 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 18 | 6,738 |
| Assets and Liabilities | ||
| Total Assets: | $74,279,000 | 5,607 |
| Cash and due from depository institutions | $1,389,000 | 6,738 |
| Interest-bearing balances | $18,000 | 6,361 |
| Securities | $1,015,000 | 9,137 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,110 |
| Net loans & leases | $69,309,000 | 4,208 |
| Loan loss allowance | $842,000 | 4,100 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $928,000 | 6,077 |
| Other real estate owned | $0 | 6,738 |
| Goodwill and other intangibles | $700,000 | 1,665 |
| All other assets | $938,000 | 6,790 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $74,279,000 | 5,607 |
| Total liabilities | $66,864,000 | 5,590 |
| Total deposits | $58,542,000 | 5,779 |
| Interest-bearing deposits | $53,308,000 | 5,552 |
| Deposits held in domestic offices | $58,542,000 | 5,775 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,050,000 | 1,882 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $5,000,000 | 2,996 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $272,000 | 7,171 |
| Total equity capital | $7,415,000 | 5,618 |
| Total bank equity capital | $7,415,000 | 5,618 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $1,655,000 | 2,159 |
| Surplus | $4,496,000 | 3,381 |
| Undivided profits | $1,264,000 | 7,286 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $123,000 | 6,696 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $355,000 | 7,045 |
| Earning assets | $70,342,000 | 5,490 |
| Long-term assets (5+ years) | $181,000 | 8,366 |
| Average Assets, year-to-date | $69,182,600 | 5,672 |
| Average Assets, quarterly | $73,934,000 | 5,591 |
| Volatile liabilities | $28,574,000 | 2,818 |
| Insider loans | $3,538,000 | 1,418 |
| FHLB advances | $5,000,000 | 2,803 |
| Loans and leases held for sale | $0 | 1,749 |
| Unused loan commitments | $16,776,000 | 2,827 |
| Tier 1 (core) risk-based capital | $6,706,000 | 5,822 |
| Tier 2 risk-based capital | $838,000 | 3,865 |
| Total risk weighted assets | $67,036,000 | 4,466 |
| Total unused commitments | $16,776,000 | 2,837 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 13 | 7,848 |
| Assets and Liabilities | ||
| Total Assets: | $61,867,000 | 6,130 |
| Cash and due from depository institutions | $2,197,000 | 7,848 |
| Interest-bearing balances | $9,000 | 6,398 |
| Securities | $1,121,000 | 9,489 |
| Federal funds sold & reverse repurchase agreements | $1,450,000 | 4,826 |
| Net loans & leases | $54,814,000 | 4,872 |
| Loan loss allowance | $617,000 | 5,004 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $958,000 | 6,078 |
| Other real estate owned | $0 | 7,848 |
| Goodwill and other intangibles | $750,000 | 1,598 |
| All other assets | $577,000 | 7,748 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $61,867,000 | 6,130 |
| Total liabilities | $56,058,000 | 6,078 |
| Total deposits | $55,283,000 | 5,845 |
| Interest-bearing deposits | $50,898,000 | 5,594 |
| Deposits held in domestic offices | $55,283,000 | 5,840 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,755 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $500,000 | 4,970 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $275,000 | 7,522 |
| Total equity capital | $5,809,000 | 6,486 |
| Total bank equity capital | $5,809,000 | 6,486 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $1,655,000 | 2,204 |
| Surplus | $3,496,000 | 3,973 |
| Undivided profits | $658,000 | 8,125 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $125,000 | 6,462 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $381,000 | 6,087 |
| Earning assets | $57,394,000 | 6,089 |
| Long-term assets (5+ years) | $755,000 | 8,128 |
| Average Assets, year-to-date | $55,669,800 | 6,304 |
| Average Assets, quarterly | $60,595,000 | 6,149 |
| Volatile liabilities | $11,351,000 | 5,278 |
| Insider loans | $1,901,000 | 2,441 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $10,610,000 | 3,616 |
| Tier 1 (core) risk-based capital | $5,063,000 | 6,904 |
| Tier 2 risk-based capital | $617,000 | 4,711 |
| Total risk weighted assets | $53,424,000 | 5,065 |
| Total unused commitments | $10,610,000 | 3,616 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 14 | 7,887 |
| Assets and Liabilities | ||
| Total Assets: | $47,321,000 | 7,102 |
| Cash and due from depository institutions | $2,010,000 | 7,887 |
| Interest-bearing balances | $0 | 6,854 |
| Securities | $972,000 | 9,872 |
| Federal funds sold & reverse repurchase agreements | $1,550,000 | 4,162 |
| Net loans & leases | $41,429,000 | 5,715 |
| Loan loss allowance | $419,000 | 6,285 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,026,000 | 5,967 |
| Other real estate owned | $0 | 7,887 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $334,000 | 9,138 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $47,321,000 | 7,102 |
| Total liabilities | $43,551,000 | 6,988 |
| Total deposits | $43,381,000 | 6,779 |
| Interest-bearing deposits | $39,454,000 | 6,545 |
| Deposits held in domestic offices | $43,381,000 | 6,776 |
| % 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 | $170,000 | 8,468 |
| Total equity capital | $3,770,000 | 8,007 |
| Total bank equity capital | $3,770,000 | 8,007 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $1,654,000 | 2,231 |
| Surplus | $2,245,000 | 5,181 |
| Undivided profits | $-129,000 | 9,319 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $13,000 | 8,475 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $246,000 | 7,150 |
| Earning assets | $43,951,000 | 7,016 |
| Long-term assets (5+ years) | $1,082,000 | 8,229 |
| Average Assets, year-to-date | $37,794,000 | 7,712 |
| Average Assets, quarterly | $45,486,500 | 7,182 |
| Volatile liabilities | $11,041,000 | 5,159 |
| Insider loans | $1,352,000 | 3,042 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $8,298,000 | 4,201 |
| Tier 1 (core) risk-based capital | $3,788,000 | 8,022 |
| Tier 2 risk-based capital | $419,000 | 5,909 |
| Total risk weighted assets | $41,783,400 | 5,828 |
| Total unused commitments | $8,298,000 | 4,206 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 11 | 8,764 |
| Assets and Liabilities | ||
| Total Assets: | $28,443,000 | 8,780 |
| Cash and due from depository institutions | $2,023,000 | 8,764 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $495,000 | 10,190 |
| Federal funds sold & reverse repurchase agreements | $400,000 | 7,903 |
| Net loans & leases | $24,246,000 | 7,383 |
| Loan loss allowance | $245,000 | 8,019 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,038,000 | 5,862 |
| Other real estate owned | $0 | 8,764 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $241,000 | 9,715 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $28,443,000 | 8,780 |
| Total liabilities | $26,128,000 | 8,672 |
| Total deposits | $26,022,000 | 8,550 |
| Interest-bearing deposits | $23,653,000 | 8,350 |
| Deposits held in domestic offices | $26,022,000 | 8,549 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $106,000 | 9,664 |
| Total equity capital | $2,315,000 | 9,416 |
| Total bank equity capital | $2,315,000 | 9,416 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $1,654,000 | 2,195 |
| Surplus | $988,000 | 7,394 |
| Undivided profits | $-327,000 | 9,983 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,000 | 9,390 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $138,000 | 8,826 |
| Earning assets | $25,141,000 | 8,849 |
| Long-term assets (5+ years) | $412,000 | 8,844 |
| Average Assets, year-to-date | $18,764,800 | 9,535 |
| Average Assets, quarterly | $27,402,000 | 8,804 |
| Volatile liabilities | $5,370,000 | 6,832 |
| Insider loans | $904,000 | 3,796 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $5,631,000 | 5,033 |
| Tier 1 (core) risk-based capital | $2,317,000 | 9,343 |
| Tier 2 risk-based capital | $245,000 | 7,668 |
| Total risk weighted assets | $24,746,500 | 7,549 |
| Total unused commitments | $5,631,000 | 5,039 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 6 | 10,399 |
| Assets and Liabilities | ||
| Total Assets: | $7,871,000 | 10,802 |
| Cash and due from depository institutions | $256,000 | 10,399 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $0 | 10,855 |
| Federal funds sold & reverse repurchase agreements | $5,800,000 | 2,377 |
| Net loans & leases | $1,593,000 | 10,834 |
| Loan loss allowance | $17,000 | 10,785 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $115,000 | 10,061 |
| Other real estate owned | $0 | 10,399 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $107,000 | 10,747 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $7,871,000 | 10,802 |
| Total liabilities | $5,267,000 | 10,827 |
| Total deposits | $5,240,000 | 10,790 |
| Interest-bearing deposits | $5,122,000 | 10,694 |
| Deposits held in domestic offices | $5,240,000 | 10,790 |
| % 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 | $27,000 | 10,843 |
| Total equity capital | $2,604,000 | 9,404 |
| Total bank equity capital | $2,604,000 | 9,404 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,655,000 | 2,208 |
| Surplus | $988,000 | 7,603 |
| Undivided profits | $-39,000 | 10,348 |
| 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 | $9,000 | 10,741 |
| Earning assets | $7,393,000 | 10,763 |
| Long-term assets (5+ years) | $0 | 9,550 |
| Average Assets, year-to-date | $7,871,000 | 10,798 |
| Average Assets, quarterly | $7,871,000 | 10,805 |
| Volatile liabilities | $4,548,000 | 7,397 |
| Insider loans | $0 | 9,792 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $356,000 | 9,842 |
| Tier 1 (core) risk-based capital | $2,604,000 | 9,327 |
| Tier 2 risk-based capital | $17,000 | 10,754 |
| Total risk weighted assets | $2,989,300 | 10,826 |
| Total unused commitments | $356,000 | 9,847 |
| Derivatives | $0 | 533 |