Home > Royal American Bank > Assets and Liabilities
Royal American Bank, Assets and Liabilities
| 2006-06-30 | Rank | |
| # of Employees: | 68 | 2,601 |
| Assets and Liabilities | ||
| Total Assets: | $556,388,000 | 1,155 |
| Cash and due from depository institutions | $19,785,000 | 2,601 |
| Interest-bearing balances | $66,000 | 5,300 |
| Securities | $17,111,000 | 4,989 |
| Federal funds sold & reverse repurchase agreements | $3,953,000 | 2,611 |
| Net loans & leases | $495,249,000 | 886 |
| Loan loss allowance | $5,371,000 | 937 |
| Trading account assets | $0 | 157 |
| Bank premises and fixed assets | $1,254,000 | 5,502 |
| Other real estate owned | $0 | 2,601 |
| Goodwill and other intangibles | $0 | 3,333 |
| All other assets | $19,036,000 | 972 |
| Life insurance assets | $12,468,000 | 435 |
| Total liabilities and capital | $556,388,000 | 1,155 |
| Total liabilities | $505,382,000 | 1,144 |
| Total deposits | $467,999,000 | 1,055 |
| Interest-bearing deposits | $342,371,000 | 1,256 |
| Deposits held in domestic offices | $467,999,000 | 1,053 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $30,000,000 | 654 |
| Trading liabilities | $0 | 73 |
| Other borrowed funds | $5,000,000 | 3,629 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $2,383,000 | 1,911 |
| Total equity capital | $51,006,000 | 1,231 |
| Total bank equity capital | $51,006,000 | 1,231 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $2,228,000 | 1,802 |
| Surplus | $16,742,000 | 1,562 |
| Undivided profits | $32,036,000 | 1,080 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 7,512 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,150 |
| Income earned, not collected on loans | $1,872,000 | 2,003 |
| Earning assets | $516,379,000 | 1,132 |
| Long-term assets (5+ years) | $30,675,000 | 2,560 |
| Average Assets, year-to-date | $534,911,330 | 1,176 |
| Average Assets, quarterly | $537,524,500 | 1,181 |
| Volatile liabilities | $186,915,000 | 848 |
| Insider loans | $15,777,000 | 381 |
| FHLB advances | $5,000,000 | 3,453 |
| Loans and leases held for sale | $0 | 1,763 |
| Unused loan commitments | $220,076,000 | 581 |
| Tier 1 (core) risk-based capital | $51,004,000 | 1,173 |
| Tier 2 risk-based capital | $5,371,000 | 943 |
| Total risk weighted assets | $548,365,000 | 850 |
| Total unused commitments | $220,076,000 | 581 |
| Derivatives | $400,000 | 912 |
| 2006-03-31 | Rank | |
| # of Employees: | 78 | 2,247 |
| Assets and Liabilities | ||
| Total Assets: | $518,661,000 | 1,222 |
| Cash and due from depository institutions | $18,219,000 | 2,247 |
| Interest-bearing balances | $219,000 | 4,074 |
| Securities | $34,416,000 | 3,189 |
| Federal funds sold & reverse repurchase agreements | $14,738,000 | 1,009 |
| Net loans & leases | $437,440,000 | 975 |
| Loan loss allowance | $5,195,000 | 965 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $1,308,000 | 5,385 |
| Other real estate owned | $0 | 2,247 |
| Goodwill and other intangibles | $0 | 3,321 |
| All other assets | $12,540,000 | 1,380 |
| Life insurance assets | $6,331,000 | 843 |
| Total liabilities and capital | $518,661,000 | 1,222 |
| Total liabilities | $470,543,000 | 1,214 |
| Total deposits | $460,305,000 | 1,060 |
| Interest-bearing deposits | $331,818,000 | 1,281 |
| Deposits held in domestic offices | $460,305,000 | 1,058 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,368 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $5,089,000 | 3,511 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $5,149,000 | 1,019 |
| Total equity capital | $48,118,000 | 1,278 |
| Total bank equity capital | $48,118,000 | 1,278 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $2,228,000 | 1,790 |
| Surplus | $15,842,000 | 1,574 |
| Undivided profits | $30,048,000 | 1,145 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,089,000 | 2,221 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,164 |
| Income earned, not collected on loans | $2,043,000 | 1,693 |
| Earning assets | $486,813,000 | 1,194 |
| Long-term assets (5+ years) | $47,718,000 | 1,846 |
| Average Assets, year-to-date | $524,173,000 | 1,194 |
| Average Assets, quarterly | $524,173,000 | 1,194 |
| Volatile liabilities | $163,374,000 | 907 |
| Insider loans | $15,619,000 | 383 |
| FHLB advances | $5,000,000 | 3,374 |
| Loans and leases held for sale | $0 | 1,721 |
| Unused loan commitments | $66,537,000 | 1,458 |
| Tier 1 (core) risk-based capital | $48,187,000 | 1,212 |
| Tier 2 risk-based capital | $5,195,000 | 963 |
| Total risk weighted assets | $480,392,000 | 931 |
| Total unused commitments | $66,537,000 | 1,458 |
| Derivatives | $400,000 | 891 |
| 2005-12-31 | Rank | |
| # of Employees: | 77 | 2,266 |
| Assets and Liabilities | ||
| Total Assets: | $529,685,000 | 1,181 |
| Cash and due from depository institutions | $17,059,000 | 2,266 |
| Interest-bearing balances | $358,000 | 3,662 |
| Securities | $34,189,000 | 3,200 |
| Federal funds sold & reverse repurchase agreements | $29,950,000 | 429 |
| Net loans & leases | $433,677,000 | 968 |
| Loan loss allowance | $4,995,000 | 989 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $1,367,000 | 5,274 |
| Other real estate owned | $0 | 2,266 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $13,443,000 | 1,287 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $529,685,000 | 1,181 |
| Total liabilities | $483,115,000 | 1,169 |
| Total deposits | $472,434,000 | 1,016 |
| Interest-bearing deposits | $344,320,000 | 1,194 |
| Deposits held in domestic offices | $472,434,000 | 1,014 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,512 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $5,000,000 | 3,612 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $5,681,000 | 921 |
| Total equity capital | $46,570,000 | 1,306 |
| Total bank equity capital | $46,570,000 | 1,306 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $2,228,000 | 1,780 |
| Surplus | $15,842,000 | 1,555 |
| Undivided profits | $28,500,000 | 1,202 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 7,622 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $2,064,000 | 1,693 |
| Earning assets | $498,174,000 | 1,142 |
| Long-term assets (5+ years) | $37,041,000 | 2,188 |
| Average Assets, year-to-date | $472,448,000 | 1,261 |
| Average Assets, quarterly | $518,238,500 | 1,187 |
| Volatile liabilities | $164,040,000 | 908 |
| Insider loans | $17,857,000 | 305 |
| FHLB advances | $5,000,000 | 3,452 |
| Loans and leases held for sale | $0 | 1,743 |
| Unused loan commitments | $174,500,000 | 677 |
| Tier 1 (core) risk-based capital | $46,576,000 | 1,233 |
| Tier 2 risk-based capital | $4,995,000 | 974 |
| Total risk weighted assets | $477,840,000 | 924 |
| Total unused commitments | $174,500,000 | 677 |
| Derivatives | $400,000 | 832 |
| 2005-09-30 | Rank | |
| # of Employees: | 73 | 2,378 |
| Assets and Liabilities | ||
| Total Assets: | $506,792,000 | 1,201 |
| Cash and due from depository institutions | $26,013,000 | 2,378 |
| Interest-bearing balances | $700,000 | 3,061 |
| Securities | $30,871,000 | 3,465 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,951 |
| Net loans & leases | $435,544,000 | 945 |
| Loan loss allowance | $4,822,000 | 1,010 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $1,404,000 | 5,184 |
| Other real estate owned | $0 | 2,378 |
| Goodwill and other intangibles | $0 | 3,310 |
| All other assets | $12,960,000 | 1,287 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $506,792,000 | 1,201 |
| Total liabilities | $461,579,000 | 1,193 |
| Total deposits | $446,408,000 | 1,056 |
| Interest-bearing deposits | $314,428,000 | 1,303 |
| Deposits held in domestic offices | $446,408,000 | 1,053 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,900,000 | 1,647 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $5,000,000 | 3,667 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $5,271,000 | 945 |
| Total equity capital | $45,213,000 | 1,327 |
| Total bank equity capital | $45,213,000 | 1,327 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $2,228,000 | 1,749 |
| Surplus | $15,842,000 | 1,508 |
| Undivided profits | $27,143,000 | 1,280 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $722,000 | 3,051 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $1,832,000 | 1,844 |
| Earning assets | $467,115,000 | 1,195 |
| Long-term assets (5+ years) | $38,351,000 | 2,151 |
| Average Assets, year-to-date | $458,138,750 | 1,288 |
| Average Assets, quarterly | $489,848,000 | 1,236 |
| Volatile liabilities | $168,639,000 | 849 |
| Insider loans | $15,904,000 | 340 |
| FHLB advances | $5,000,000 | 3,503 |
| Loans and leases held for sale | $0 | 1,843 |
| Unused loan commitments | $149,427,000 | 733 |
| Tier 1 (core) risk-based capital | $45,106,000 | 1,250 |
| Tier 2 risk-based capital | $4,822,000 | 986 |
| Total risk weighted assets | $473,473,000 | 905 |
| Total unused commitments | $149,427,000 | 736 |
| Derivatives | $400,000 | 827 |
| 2005-06-30 | Rank | |
| # of Employees: | 74 | 2,353 |
| Assets and Liabilities | ||
| Total Assets: | $472,904,000 | 1,268 |
| Cash and due from depository institutions | $26,175,000 | 2,353 |
| Interest-bearing balances | $298,000 | 3,908 |
| Securities | $30,196,000 | 3,562 |
| Federal funds sold & reverse repurchase agreements | $1,000,000 | 4,322 |
| Net loans & leases | $401,452,000 | 990 |
| Loan loss allowance | $4,633,000 | 1,028 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $1,226,000 | 5,465 |
| Other real estate owned | $0 | 2,353 |
| Goodwill and other intangibles | $0 | 3,307 |
| All other assets | $12,855,000 | 1,263 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $472,904,000 | 1,268 |
| Total liabilities | $430,627,000 | 1,243 |
| Total deposits | $416,207,000 | 1,099 |
| Interest-bearing deposits | $276,741,000 | 1,466 |
| Deposits held in domestic offices | $416,207,000 | 1,096 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,721 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $10,000,000 | 2,628 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $4,420,000 | 1,020 |
| Total equity capital | $42,277,000 | 1,387 |
| Total bank equity capital | $42,277,000 | 1,387 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $2,228,000 | 1,731 |
| Surplus | $14,342,000 | 1,603 |
| Undivided profits | $25,707,000 | 1,343 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 7,745 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $1,704,000 | 1,814 |
| Earning assets | $432,946,000 | 1,262 |
| Long-term assets (5+ years) | $31,965,000 | 2,472 |
| Average Assets, year-to-date | $441,921,000 | 1,318 |
| Average Assets, quarterly | $456,653,500 | 1,286 |
| Volatile liabilities | $154,642,000 | 877 |
| Insider loans | $16,268,000 | 298 |
| FHLB advances | $10,000,000 | 2,493 |
| Loans and leases held for sale | $0 | 1,818 |
| Unused loan commitments | $175,189,000 | 633 |
| Tier 1 (core) risk-based capital | $42,143,000 | 1,303 |
| Tier 2 risk-based capital | $4,633,000 | 1,001 |
| Total risk weighted assets | $443,806,000 | 939 |
| Total unused commitments | $175,189,000 | 633 |
| Derivatives | $400,000 | 780 |
| 2005-03-31 | Rank | |
| # of Employees: | 72 | 2,381 |
| Assets and Liabilities | ||
| Total Assets: | $440,403,000 | 1,341 |
| Cash and due from depository institutions | $10,841,000 | 2,381 |
| Interest-bearing balances | $479,000 | 3,490 |
| Securities | $30,078,000 | 3,615 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,340 |
| Net loans & leases | $389,738,000 | 999 |
| Loan loss allowance | $4,444,000 | 1,063 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $1,147,000 | 5,605 |
| Other real estate owned | $0 | 2,381 |
| Goodwill and other intangibles | $0 | 3,297 |
| All other assets | $8,599,000 | 1,769 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $440,403,000 | 1,341 |
| Total liabilities | $401,094,000 | 1,324 |
| Total deposits | $373,806,000 | 1,225 |
| Interest-bearing deposits | $248,979,000 | 1,609 |
| Deposits held in domestic offices | $373,806,000 | 1,222 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $13,660,000 | 936 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $10,000,000 | 2,562 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $3,628,000 | 1,202 |
| Total equity capital | $39,309,000 | 1,452 |
| Total bank equity capital | $39,309,000 | 1,452 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $2,228,000 | 1,735 |
| Surplus | $12,842,000 | 1,712 |
| Undivided profits | $24,239,000 | 1,376 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $58,000 | 6,773 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $1,578,000 | 1,917 |
| Earning assets | $420,295,000 | 1,278 |
| Long-term assets (5+ years) | $28,515,000 | 2,734 |
| Average Assets, year-to-date | $426,429,500 | 1,376 |
| Average Assets, quarterly | $426,429,500 | 1,376 |
| Volatile liabilities | $143,856,000 | 895 |
| Insider loans | $18,330,000 | 254 |
| FHLB advances | $10,000,000 | 2,434 |
| Loans and leases held for sale | $0 | 1,762 |
| Unused loan commitments | $147,284,000 | 705 |
| Tier 1 (core) risk-based capital | $39,262,000 | 1,376 |
| Tier 2 risk-based capital | $4,444,000 | 1,021 |
| Total risk weighted assets | $427,755,000 | 952 |
| Total unused commitments | $147,284,000 | 706 |
| Derivatives | $400,000 | 725 |
| 2004-12-31 | Rank | |
| # of Employees: | 72 | 2,400 |
| Assets and Liabilities | ||
| Total Assets: | $412,456,000 | 1,443 |
| Cash and due from depository institutions | $9,184,000 | 2,400 |
| Interest-bearing balances | $148,000 | 4,658 |
| Securities | $30,444,000 | 3,588 |
| Federal funds sold & reverse repurchase agreements | $150,000 | 5,911 |
| Net loans & leases | $363,349,000 | 1,079 |
| Loan loss allowance | $4,255,000 | 1,096 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $1,195,000 | 5,517 |
| Other real estate owned | $0 | 2,400 |
| Goodwill and other intangibles | $0 | 3,293 |
| All other assets | $8,134,000 | 1,838 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $412,456,000 | 1,443 |
| Total liabilities | $376,218,000 | 1,421 |
| Total deposits | $364,091,000 | 1,254 |
| Interest-bearing deposits | $239,835,000 | 1,674 |
| Deposits held in domestic offices | $364,091,000 | 1,251 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,000,000 | 1,981 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $5,000,000 | 3,543 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $4,127,000 | 1,065 |
| Total equity capital | $36,238,000 | 1,584 |
| Total bank equity capital | $36,238,000 | 1,584 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $2,228,000 | 1,717 |
| Surplus | $10,842,000 | 1,940 |
| Undivided profits | $23,168,000 | 1,462 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 7,876 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $1,436,000 | 2,082 |
| Earning assets | $394,091,000 | 1,369 |
| Long-term assets (5+ years) | $26,598,000 | 2,935 |
| Average Assets, year-to-date | $378,464,400 | 1,493 |
| Average Assets, quarterly | $407,350,000 | 1,438 |
| Volatile liabilities | $121,840,000 | 1,006 |
| Insider loans | $18,669,000 | 256 |
| FHLB advances | $5,000,000 | 3,374 |
| Loans and leases held for sale | $0 | 1,753 |
| Unused loan commitments | $139,051,000 | 723 |
| Tier 1 (core) risk-based capital | $36,001,000 | 1,484 |
| Tier 2 risk-based capital | $4,255,000 | 1,061 |
| Total risk weighted assets | $399,729,000 | 1,008 |
| Total unused commitments | $139,051,000 | 723 |
| Derivatives | $400,000 | 694 |
| 2004-09-30 | Rank | |
| # of Employees: | 69 | 2,501 |
| Assets and Liabilities | ||
| Total Assets: | $402,244,000 | 1,453 |
| Cash and due from depository institutions | $10,537,000 | 2,501 |
| Interest-bearing balances | $182,000 | 4,589 |
| Securities | $30,835,000 | 3,549 |
| Federal funds sold & reverse repurchase agreements | $11,900,000 | 959 |
| Net loans & leases | $338,866,000 | 1,124 |
| Loan loss allowance | $4,055,000 | 1,157 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $1,248,000 | 5,400 |
| Other real estate owned | $0 | 2,501 |
| Goodwill and other intangibles | $0 | 3,268 |
| All other assets | $8,858,000 | 1,666 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $402,244,000 | 1,453 |
| Total liabilities | $367,821,000 | 1,428 |
| Total deposits | $358,937,000 | 1,240 |
| Interest-bearing deposits | $235,130,000 | 1,676 |
| Deposits held in domestic offices | $358,937,000 | 1,236 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,678 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $5,000,000 | 3,561 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $3,884,000 | 1,128 |
| Total equity capital | $34,423,000 | 1,648 |
| Total bank equity capital | $34,423,000 | 1,648 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $2,228,000 | 1,709 |
| Surplus | $10,342,000 | 1,967 |
| Undivided profits | $21,853,000 | 1,559 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 7,979 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $1,227,000 | 2,541 |
| Earning assets | $381,783,000 | 1,391 |
| Long-term assets (5+ years) | $23,411,000 | 3,228 |
| Average Assets, year-to-date | $369,966,500 | 1,530 |
| Average Assets, quarterly | $386,837,000 | 1,489 |
| Volatile liabilities | $79,261,000 | 1,427 |
| Insider loans | $14,794,000 | 341 |
| FHLB advances | $5,000,000 | 3,388 |
| Loans and leases held for sale | $0 | 1,808 |
| Unused loan commitments | $114,162,000 | 835 |
| Tier 1 (core) risk-based capital | $33,985,000 | 1,544 |
| Tier 2 risk-based capital | $4,055,000 | 1,103 |
| Total risk weighted assets | $376,891,000 | 1,054 |
| Total unused commitments | $114,162,000 | 838 |
| Derivatives | $400,000 | 695 |
| 2004-06-30 | Rank | |
| # of Employees: | 69 | 2,511 |
| Assets and Liabilities | ||
| Total Assets: | $371,430,000 | 1,557 |
| Cash and due from depository institutions | $15,574,000 | 2,511 |
| Interest-bearing balances | $217,000 | 4,410 |
| Securities | $32,963,000 | 3,416 |
| Federal funds sold & reverse repurchase agreements | $17,660,000 | 598 |
| Net loans & leases | $298,047,000 | 1,245 |
| Loan loss allowance | $3,955,000 | 1,172 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $1,263,000 | 5,367 |
| Other real estate owned | $0 | 2,511 |
| Goodwill and other intangibles | $0 | 3,275 |
| All other assets | $5,923,000 | 2,288 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $371,430,000 | 1,557 |
| Total liabilities | $338,575,000 | 1,533 |
| Total deposits | $329,934,000 | 1,361 |
| Interest-bearing deposits | $210,181,000 | 1,834 |
| Deposits held in domestic offices | $329,934,000 | 1,357 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,750 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $5,000,000 | 3,501 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $3,641,000 | 1,109 |
| Total equity capital | $32,855,000 | 1,658 |
| Total bank equity capital | $32,855,000 | 1,658 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $2,228,000 | 1,713 |
| Surplus | $10,342,000 | 1,918 |
| Undivided profits | $20,285,000 | 1,583 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $100,000 | 6,526 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $1,238,000 | 2,358 |
| Earning assets | $348,887,000 | 1,505 |
| Long-term assets (5+ years) | $25,917,000 | 3,122 |
| Average Assets, year-to-date | $359,207,330 | 1,574 |
| Average Assets, quarterly | $363,919,500 | 1,571 |
| Volatile liabilities | $56,275,000 | 1,849 |
| Insider loans | $13,307,000 | 384 |
| FHLB advances | $5,000,000 | 3,333 |
| Loans and leases held for sale | $0 | 1,820 |
| Unused loan commitments | $99,484,000 | 897 |
| Tier 1 (core) risk-based capital | $32,787,000 | 1,578 |
| Tier 2 risk-based capital | $3,955,000 | 1,117 |
| Total risk weighted assets | $337,161,000 | 1,163 |
| Total unused commitments | $99,484,000 | 899 |
| Derivatives | $400,000 | 671 |
| 2004-03-31 | Rank | |
| # of Employees: | 66 | 2,602 |
| Assets and Liabilities | ||
| Total Assets: | $356,409,000 | 1,610 |
| Cash and due from depository institutions | $10,846,000 | 2,602 |
| Interest-bearing balances | $51,000 | 5,899 |
| Securities | $31,903,000 | 3,487 |
| Federal funds sold & reverse repurchase agreements | $15,300,000 | 941 |
| Net loans & leases | $289,821,000 | 1,258 |
| Loan loss allowance | $3,805,000 | 1,214 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $1,293,000 | 5,306 |
| Other real estate owned | $0 | 2,602 |
| Goodwill and other intangibles | $0 | 3,256 |
| All other assets | $7,246,000 | 1,847 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $356,409,000 | 1,610 |
| Total liabilities | $323,796,000 | 1,590 |
| Total deposits | $315,159,000 | 1,417 |
| Interest-bearing deposits | $215,102,000 | 1,804 |
| Deposits held in domestic offices | $315,159,000 | 1,414 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,174 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $5,000,000 | 3,362 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $3,637,000 | 1,244 |
| Total equity capital | $32,613,000 | 1,710 |
| Total bank equity capital | $32,613,000 | 1,710 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $2,228,000 | 1,709 |
| Surplus | $10,342,000 | 1,883 |
| Undivided profits | $20,043,000 | 1,683 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,089 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $1,091,000 | 2,645 |
| Earning assets | $337,075,000 | 1,555 |
| Long-term assets (5+ years) | $27,054,000 | 2,977 |
| Average Assets, year-to-date | $353,096,000 | 1,597 |
| Average Assets, quarterly | $353,096,000 | 1,597 |
| Volatile liabilities | $51,789,000 | 1,921 |
| Insider loans | $9,827,000 | 532 |
| FHLB advances | $5,000,000 | 3,195 |
| Loans and leases held for sale | $0 | 1,884 |
| Unused loan commitments | $101,638,000 | 862 |
| Tier 1 (core) risk-based capital | $31,847,000 | 1,620 |
| Tier 2 risk-based capital | $3,805,000 | 1,157 |
| Total risk weighted assets | $330,530,000 | 1,164 |
| Total unused commitments | $101,638,000 | 862 |
| Derivatives | $400,000 | 653 |
| 2003-12-31 | Rank | |
| # of Employees: | 64 | 2,692 |
| Assets and Liabilities | ||
| Total Assets: | $349,783,000 | 1,613 |
| Cash and due from depository institutions | $13,248,000 | 2,692 |
| Interest-bearing balances | $86,000 | 5,519 |
| Securities | $32,000,000 | 3,538 |
| Federal funds sold & reverse repurchase agreements | $20,192,000 | 549 |
| Net loans & leases | $278,640,000 | 1,300 |
| Loan loss allowance | $3,705,000 | 1,243 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $1,311,000 | 5,290 |
| Other real estate owned | $0 | 2,692 |
| Goodwill and other intangibles | $0 | 3,237 |
| All other assets | $4,392,000 | 2,766 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $349,783,000 | 1,613 |
| Total liabilities | $318,360,000 | 1,607 |
| Total deposits | $309,448,000 | 1,434 |
| Interest-bearing deposits | $210,769,000 | 1,835 |
| Deposits held in domestic offices | $309,448,000 | 1,431 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,433 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $5,000,000 | 3,355 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $3,912,000 | 1,120 |
| Total equity capital | $31,423,000 | 1,737 |
| Total bank equity capital | $31,423,000 | 1,737 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $2,228,000 | 1,721 |
| Surplus | $10,342,000 | 1,866 |
| Undivided profits | $18,853,000 | 1,729 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $696,000 | 3,445 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $1,127,000 | 2,672 |
| Earning assets | $330,918,000 | 1,567 |
| Long-term assets (5+ years) | $27,379,000 | 2,988 |
| Average Assets, year-to-date | $321,751,400 | 1,687 |
| Average Assets, quarterly | $343,165,500 | 1,632 |
| Volatile liabilities | $56,496,000 | 1,760 |
| Insider loans | $10,208,000 | 487 |
| FHLB advances | $5,000,000 | 3,183 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $103,256,000 | 830 |
| Tier 1 (core) risk-based capital | $30,982,000 | 1,648 |
| Tier 2 risk-based capital | $3,705,000 | 1,192 |
| Total risk weighted assets | $319,743,000 | 1,184 |
| Total unused commitments | $103,256,000 | 831 |
| Derivatives | $400,000 | 612 |
| 2003-09-30 | Rank | |
| # of Employees: | 62 | 2,788 |
| Assets and Liabilities | ||
| Total Assets: | $336,548,000 | 1,679 |
| Cash and due from depository institutions | $13,443,000 | 2,788 |
| Interest-bearing balances | $120,000 | 5,121 |
| Securities | $32,102,000 | 3,454 |
| Federal funds sold & reverse repurchase agreements | $9,915,000 | 1,446 |
| Net loans & leases | $272,391,000 | 1,322 |
| Loan loss allowance | $3,555,000 | 1,313 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,297,000 | 5,308 |
| Other real estate owned | $0 | 2,788 |
| Goodwill and other intangibles | $0 | 3,226 |
| All other assets | $7,400,000 | 1,842 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $336,548,000 | 1,679 |
| Total liabilities | $306,127,000 | 1,655 |
| Total deposits | $297,608,000 | 1,515 |
| Interest-bearing deposits | $199,979,000 | 1,938 |
| Deposits held in domestic offices | $297,608,000 | 1,512 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,347 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $5,000,000 | 3,313 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $3,519,000 | 1,263 |
| Total equity capital | $30,421,000 | 1,803 |
| Total bank equity capital | $30,421,000 | 1,803 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $2,228,000 | 1,722 |
| Surplus | $10,342,000 | 1,845 |
| Undivided profits | $17,851,000 | 1,821 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,319 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $1,055,000 | 2,996 |
| Earning assets | $314,528,000 | 1,647 |
| Long-term assets (5+ years) | $29,520,000 | 2,825 |
| Average Assets, year-to-date | $314,743,500 | 1,747 |
| Average Assets, quarterly | $328,834,500 | 1,699 |
| Volatile liabilities | $47,805,000 | 1,990 |
| Insider loans | $10,075,000 | 483 |
| FHLB advances | $5,000,000 | 3,127 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $96,528,000 | 879 |
| Tier 1 (core) risk-based capital | $29,963,000 | 1,717 |
| Tier 2 risk-based capital | $3,555,000 | 1,231 |
| Total risk weighted assets | $307,036,000 | 1,234 |
| Total unused commitments | $96,528,000 | 881 |
| Derivatives | $400,000 | 613 |
| 2003-06-30 | Rank | |
| # of Employees: | 62 | 2,799 |
| Assets and Liabilities | ||
| Total Assets: | $321,121,000 | 1,742 |
| Cash and due from depository institutions | $11,522,000 | 2,799 |
| Interest-bearing balances | $55,000 | 5,919 |
| Securities | $35,776,000 | 3,136 |
| Federal funds sold & reverse repurchase agreements | $10,290,000 | 1,540 |
| Net loans & leases | $256,282,000 | 1,373 |
| Loan loss allowance | $3,405,000 | 1,349 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $603,000 | 6,874 |
| Other real estate owned | $0 | 2,799 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $6,648,000 | 1,911 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $321,121,000 | 1,742 |
| Total liabilities | $291,021,000 | 1,730 |
| Total deposits | $283,357,000 | 1,566 |
| Interest-bearing deposits | $200,584,000 | 1,915 |
| Deposits held in domestic offices | $283,357,000 | 1,563 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,266 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $5,000,000 | 3,282 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $2,664,000 | 1,623 |
| Total equity capital | $30,100,000 | 1,816 |
| Total bank equity capital | $30,100,000 | 1,816 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $2,228,000 | 1,719 |
| Surplus | $10,342,000 | 1,806 |
| Undivided profits | $17,530,000 | 1,865 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,340 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $1,058,000 | 2,884 |
| Earning assets | $302,403,000 | 1,691 |
| Long-term assets (5+ years) | $24,001,000 | 3,092 |
| Average Assets, year-to-date | $307,475,330 | 1,780 |
| Average Assets, quarterly | $312,576,500 | 1,773 |
| Volatile liabilities | $56,657,000 | 1,697 |
| Insider loans | $10,065,000 | 464 |
| FHLB advances | $5,000,000 | 3,090 |
| Loans and leases held for sale | $0 | 2,044 |
| Unused loan commitments | $87,855,000 | 939 |
| Tier 1 (core) risk-based capital | $28,931,000 | 1,744 |
| Tier 2 risk-based capital | $3,405,000 | 1,247 |
| Total risk weighted assets | $286,340,000 | 1,317 |
| Total unused commitments | $87,855,000 | 944 |
| Derivatives | $400,000 | 586 |
| 2003-03-31 | Rank | |
| # of Employees: | 58 | 2,953 |
| Assets and Liabilities | ||
| Total Assets: | $304,032,000 | 1,802 |
| Cash and due from depository institutions | $12,949,000 | 2,953 |
| Interest-bearing balances | $0 | 7,012 |
| Securities | $34,869,000 | 3,150 |
| Federal funds sold & reverse repurchase agreements | $7,000,000 | 2,421 |
| Net loans & leases | $244,821,000 | 1,413 |
| Loan loss allowance | $3,255,000 | 1,380 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $581,000 | 6,950 |
| Other real estate owned | $0 | 2,953 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $3,812,000 | 2,908 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $304,032,000 | 1,802 |
| Total liabilities | $275,209,000 | 1,797 |
| Total deposits | $267,155,000 | 1,648 |
| Interest-bearing deposits | $188,161,000 | 2,035 |
| Deposits held in domestic offices | $267,155,000 | 1,645 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,057 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $5,000,000 | 3,200 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $3,054,000 | 1,492 |
| Total equity capital | $28,823,000 | 1,851 |
| Total bank equity capital | $28,823,000 | 1,851 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $2,228,000 | 1,729 |
| Surplus | $10,342,000 | 1,775 |
| Undivided profits | $16,253,000 | 1,949 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,370 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $1,063,000 | 2,879 |
| Earning assets | $286,690,000 | 1,750 |
| Long-term assets (5+ years) | $22,161,000 | 3,175 |
| Average Assets, year-to-date | $300,652,500 | 1,808 |
| Average Assets, quarterly | $300,652,500 | 1,808 |
| Volatile liabilities | $54,586,000 | 1,706 |
| Insider loans | $9,384,000 | 510 |
| FHLB advances | $5,000,000 | 3,011 |
| Loans and leases held for sale | $0 | 1,961 |
| Unused loan commitments | $92,115,000 | 870 |
| Tier 1 (core) risk-based capital | $27,986,000 | 1,772 |
| Tier 2 risk-based capital | $3,255,000 | 1,280 |
| Total risk weighted assets | $272,491,000 | 1,356 |
| Total unused commitments | $92,115,000 | 874 |
| Derivatives | $400,000 | 541 |
| 2002-12-31 | Rank | |
| # of Employees: | 60 | 2,821 |
| Assets and Liabilities | ||
| Total Assets: | $297,273,000 | 1,814 |
| Cash and due from depository institutions | $13,195,000 | 2,821 |
| Interest-bearing balances | $0 | 7,009 |
| Securities | $33,388,000 | 3,230 |
| Federal funds sold & reverse repurchase agreements | $19,220,000 | 726 |
| Net loans & leases | $226,997,000 | 1,538 |
| Loan loss allowance | $3,105,000 | 1,408 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $549,000 | 7,045 |
| Other real estate owned | $0 | 2,821 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $3,924,000 | 2,803 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $297,273,000 | 1,814 |
| Total liabilities | $269,580,000 | 1,800 |
| Total deposits | $266,221,000 | 1,603 |
| Interest-bearing deposits | $188,115,000 | 1,989 |
| Deposits held in domestic offices | $266,221,000 | 1,600 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,222 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $0 | 5,759 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $3,359,000 | 1,360 |
| Total equity capital | $27,693,000 | 1,891 |
| Total bank equity capital | $27,693,000 | 1,891 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $2,228,000 | 1,722 |
| Surplus | $10,342,000 | 1,730 |
| Undivided profits | $15,123,000 | 2,060 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,375 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $1,030,000 | 3,128 |
| Earning assets | $279,605,000 | 1,763 |
| Long-term assets (5+ years) | $20,492,000 | 3,278 |
| Average Assets, year-to-date | $270,847,000 | 1,884 |
| Average Assets, quarterly | $300,386,500 | 1,777 |
| Volatile liabilities | $53,803,000 | 1,719 |
| Insider loans | $7,589,000 | 652 |
| FHLB advances | $0 | 5,074 |
| Loans and leases held for sale | $0 | 1,889 |
| Unused loan commitments | $105,870,000 | 768 |
| Tier 1 (core) risk-based capital | $27,150,000 | 1,781 |
| Tier 2 risk-based capital | $3,105,000 | 1,312 |
| Total risk weighted assets | $257,446,000 | 1,403 |
| Total unused commitments | $105,870,000 | 768 |
| Derivatives | $270,000 | 500 |
| 2001-12-31 | Rank | |
| # of Employees: | 56 | 3,020 |
| Assets and Liabilities | ||
| Total Assets: | $235,174,000 | 2,166 |
| Cash and due from depository institutions | $9,994,000 | 3,020 |
| Interest-bearing balances | $0 | 7,015 |
| Securities | $16,766,000 | 5,061 |
| Federal funds sold & reverse repurchase agreements | $16,040,000 | 900 |
| Net loans & leases | $189,044,000 | 1,744 |
| Loan loss allowance | $2,580,000 | 1,586 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $521,000 | 7,270 |
| Other real estate owned | $0 | 3,020 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $2,809,000 | 3,556 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $235,174,000 | 2,166 |
| Total liabilities | $211,080,000 | 2,157 |
| Total deposits | $208,401,000 | 1,975 |
| Interest-bearing deposits | $147,742,000 | 2,388 |
| Deposits held in domestic offices | $208,401,000 | 1,969 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,416 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,675 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $2,679,000 | 1,617 |
| Total equity capital | $24,094,000 | 2,050 |
| Total bank equity capital | $24,094,000 | 2,050 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $2,228,000 | 1,729 |
| Surplus | $10,342,000 | 1,643 |
| Undivided profits | $11,524,000 | 2,426 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,611 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $913,000 | 3,775 |
| Earning assets | $221,850,000 | 2,102 |
| Long-term assets (5+ years) | $11,236,000 | 4,537 |
| Average Assets, year-to-date | $221,384,200 | 2,196 |
| Average Assets, quarterly | $235,522,000 | 2,139 |
| Volatile liabilities | $48,901,000 | 1,793 |
| Insider loans | $11,723,000 | 348 |
| FHLB advances | $0 | 4,938 |
| Loans and leases held for sale | $0 | 1,749 |
| Unused loan commitments | $60,790,000 | 1,097 |
| Tier 1 (core) risk-based capital | $23,846,000 | 1,944 |
| Tier 2 risk-based capital | $2,580,000 | 1,472 |
| Total risk weighted assets | $211,029,000 | 1,617 |
| Total unused commitments | $60,790,000 | 1,100 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 42 | 3,908 |
| Assets and Liabilities | ||
| Total Assets: | $209,118,000 | 2,338 |
| Cash and due from depository institutions | $9,842,000 | 3,908 |
| Interest-bearing balances | $0 | 6,829 |
| Securities | $20,448,000 | 4,561 |
| Federal funds sold & reverse repurchase agreements | $22,300,000 | 554 |
| Net loans & leases | $153,768,000 | 2,060 |
| Loan loss allowance | $2,180,000 | 1,766 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $521,000 | 7,408 |
| Other real estate owned | $0 | 3,908 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $2,239,000 | 3,642 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $209,118,000 | 2,338 |
| Total liabilities | $187,940,000 | 2,339 |
| Total deposits | $185,708,000 | 2,123 |
| Interest-bearing deposits | $135,672,000 | 2,483 |
| Deposits held in domestic offices | $185,708,000 | 2,119 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,755 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $0 | 5,732 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $2,232,000 | 1,897 |
| Total equity capital | $21,178,000 | 2,209 |
| Total bank equity capital | $21,178,000 | 2,209 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $2,228,000 | 1,748 |
| Surplus | $10,342,000 | 1,606 |
| Undivided profits | $8,608,000 | 2,942 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,688 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $819,000 | 3,341 |
| Earning assets | $196,516,000 | 2,276 |
| Long-term assets (5+ years) | $12,939,000 | 4,063 |
| Average Assets, year-to-date | $194,676,000 | 2,395 |
| Average Assets, quarterly | $206,402,000 | 2,337 |
| Volatile liabilities | $40,121,000 | 2,102 |
| Insider loans | $9,022,000 | 484 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $51,019,000 | 1,156 |
| Tier 1 (core) risk-based capital | $20,974,000 | 2,132 |
| Tier 2 risk-based capital | $2,180,000 | 1,652 |
| Total risk weighted assets | $180,893,400 | 1,792 |
| Total unused commitments | $51,019,000 | 1,158 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 36 | 4,563 |
| Assets and Liabilities | ||
| Total Assets: | $185,611,000 | 2,554 |
| Cash and due from depository institutions | $8,811,000 | 4,563 |
| Interest-bearing balances | $0 | 6,854 |
| Securities | $11,454,000 | 6,661 |
| Federal funds sold & reverse repurchase agreements | $27,150,000 | 404 |
| Net loans & leases | $136,173,000 | 2,221 |
| Loan loss allowance | $1,830,000 | 2,005 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $441,000 | 7,960 |
| Other real estate owned | $0 | 4,563 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $1,582,000 | 4,682 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $185,611,000 | 2,554 |
| Total liabilities | $167,190,000 | 2,558 |
| Total deposits | $165,557,000 | 2,307 |
| Interest-bearing deposits | $119,527,000 | 2,749 |
| Deposits held in domestic offices | $165,557,000 | 2,304 |
| % 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 | $1,633,000 | 2,222 |
| Total equity capital | $18,421,000 | 2,383 |
| Total bank equity capital | $18,421,000 | 2,383 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $2,228,000 | 1,757 |
| Surplus | $10,342,000 | 1,577 |
| Undivided profits | $5,851,000 | 3,742 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $227,000 | 5,407 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $515,000 | 4,462 |
| Earning assets | $174,777,000 | 2,489 |
| Long-term assets (5+ years) | $10,389,000 | 4,775 |
| Average Assets, year-to-date | $166,224,000 | 2,710 |
| Average Assets, quarterly | $179,021,500 | 2,609 |
| Volatile liabilities | $38,409,000 | 2,066 |
| Insider loans | $3,737,000 | 1,260 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $54,408,000 | 1,120 |
| Tier 1 (core) risk-based capital | $18,455,000 | 2,382 |
| Tier 2 risk-based capital | $1,830,000 | 1,850 |
| Total risk weighted assets | $164,228,300 | 1,864 |
| Total unused commitments | $54,408,000 | 1,123 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 31 | 5,204 |
| Assets and Liabilities | ||
| Total Assets: | $155,573,000 | 2,931 |
| Cash and due from depository institutions | $6,411,000 | 5,204 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $13,950,000 | 6,037 |
| Federal funds sold & reverse repurchase agreements | $27,500,000 | 573 |
| Net loans & leases | $105,921,000 | 2,623 |
| Loan loss allowance | $1,580,000 | 2,230 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $461,000 | 7,942 |
| Other real estate owned | $0 | 5,204 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $1,330,000 | 4,908 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $155,573,000 | 2,931 |
| Total liabilities | $139,054,000 | 2,946 |
| Total deposits | $137,808,000 | 2,764 |
| Interest-bearing deposits | $101,421,000 | 3,180 |
| Deposits held in domestic offices | $137,808,000 | 2,760 |
| % 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 | $1,246,000 | 2,946 |
| Total equity capital | $16,519,000 | 2,710 |
| Total bank equity capital | $16,519,000 | 2,710 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,228,000 | 1,705 |
| Surplus | $10,342,000 | 1,497 |
| Undivided profits | $3,949,000 | 5,140 |
| 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 | $392,000 | 5,569 |
| Earning assets | $147,371,000 | 2,871 |
| Long-term assets (5+ years) | $2,756,000 | 7,286 |
| Average Assets, year-to-date | $143,034,000 | 3,005 |
| Average Assets, quarterly | $151,466,000 | 2,953 |
| Volatile liabilities | $39,817,000 | 1,712 |
| Insider loans | $3,539,000 | 1,215 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $48,687,000 | 1,152 |
| Tier 1 (core) risk-based capital | $16,479,000 | 2,586 |
| Tier 2 risk-based capital | $1,561,430 | 2,035 |
| Total risk weighted assets | $124,896,130 | 2,298 |
| Total unused commitments | $48,687,000 | 1,156 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 30 | 5,530 |
| Assets and Liabilities | ||
| Total Assets: | $130,018,000 | 3,401 |
| Cash and due from depository institutions | $10,402,000 | 5,530 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $10,783,000 | 7,160 |
| Federal funds sold & reverse repurchase agreements | $17,200,000 | 768 |
| Net loans & leases | $90,028,000 | 3,027 |
| Loan loss allowance | $1,400,000 | 2,482 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $400,000 | 8,401 |
| Other real estate owned | $0 | 5,530 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,205,000 | 5,305 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $130,018,000 | 3,401 |
| Total liabilities | $114,638,000 | 3,458 |
| Total deposits | $113,737,000 | 3,264 |
| Interest-bearing deposits | $80,808,000 | 3,909 |
| Deposits held in domestic offices | $113,737,000 | 3,258 |
| % 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 | $901,000 | 3,875 |
| Total equity capital | $15,380,000 | 2,876 |
| Total bank equity capital | $15,380,000 | 2,876 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $2,228,000 | 1,688 |
| Surplus | $10,342,000 | 1,499 |
| Undivided profits | $2,810,000 | 6,206 |
| 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 | $411,000 | 5,566 |
| Earning assets | $118,011,000 | 3,432 |
| Long-term assets (5+ years) | $1,488,000 | 8,083 |
| Average Assets, year-to-date | $115,901,400 | 3,627 |
| Average Assets, quarterly | $128,263,500 | 3,392 |
| Volatile liabilities | $26,006,000 | 2,398 |
| Insider loans | $4,397,000 | 934 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $36,371,000 | 1,357 |
| Tier 1 (core) risk-based capital | $15,352,000 | 2,766 |
| Tier 2 risk-based capital | $1,312,470 | 2,274 |
| Total risk weighted assets | $104,910,170 | 2,651 |
| Total unused commitments | $36,371,000 | 1,361 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 28 | 6,081 |
| Assets and Liabilities | ||
| Total Assets: | $100,987,000 | 4,397 |
| Cash and due from depository institutions | $10,645,000 | 6,081 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $8,691,000 | 8,373 |
| Federal funds sold & reverse repurchase agreements | $1,000,000 | 6,394 |
| Net loans & leases | $79,408,000 | 3,420 |
| Loan loss allowance | $1,100,000 | 3,236 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $288,000 | 9,311 |
| Other real estate owned | $0 | 6,081 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $955,000 | 6,424 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $100,987,000 | 4,397 |
| Total liabilities | $86,345,000 | 4,572 |
| Total deposits | $85,699,000 | 4,382 |
| Interest-bearing deposits | $54,774,000 | 5,581 |
| Deposits held in domestic offices | $85,699,000 | 4,373 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $646,000 | 4,973 |
| Total equity capital | $14,642,000 | 3,037 |
| Total bank equity capital | $14,642,000 | 3,037 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $2,228,000 | 1,767 |
| Surplus | $9,228,000 | 1,723 |
| Undivided profits | $3,186,000 | 5,893 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 10,601 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $356,000 | 6,168 |
| Earning assets | $89,099,000 | 4,540 |
| Long-term assets (5+ years) | $2,207,000 | 7,643 |
| Average Assets, year-to-date | $86,930,200 | 4,818 |
| Average Assets, quarterly | $93,457,000 | 4,641 |
| Volatile liabilities | $13,521,000 | 3,930 |
| Insider loans | $2,712,000 | 1,588 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $33,618,000 | 1,414 |
| Tier 1 (core) risk-based capital | $14,627,000 | 2,957 |
| Tier 2 risk-based capital | $1,100,000 | 2,713 |
| Total risk weighted assets | $88,009,100 | 3,123 |
| Total unused commitments | $33,618,000 | 1,423 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 23 | 7,163 |
| Assets and Liabilities | ||
| Total Assets: | $84,200,000 | 5,141 |
| Cash and due from depository institutions | $14,651,000 | 7,163 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $10,557,000 | 8,097 |
| Federal funds sold & reverse repurchase agreements | $1,600,000 | 6,175 |
| Net loans & leases | $56,296,000 | 4,540 |
| Loan loss allowance | $775,000 | 4,353 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $328,000 | 9,344 |
| Other real estate owned | $0 | 7,163 |
| Goodwill and other intangibles | $3,000 | 3,104 |
| All other assets | $765,000 | 7,495 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $84,200,000 | 5,141 |
| Total liabilities | $75,579,000 | 5,138 |
| Total deposits | $74,657,000 | 4,969 |
| Interest-bearing deposits | $41,077,000 | 6,918 |
| Deposits held in domestic offices | $74,657,000 | 4,959 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $922,000 | 3,896 |
| Total equity capital | $8,621,000 | 4,900 |
| Total bank equity capital | $8,621,000 | 4,900 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $2,228,000 | 1,802 |
| Surplus | $4,228,000 | 3,278 |
| Undivided profits | $2,165,000 | 7,224 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 11,056 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $336,000 | 6,600 |
| Earning assets | $68,453,000 | 5,669 |
| Long-term assets (5+ years) | $2,288,000 | 7,605 |
| Average Assets, year-to-date | $69,817,600 | 5,754 |
| Average Assets, quarterly | $77,397,500 | 5,444 |
| Volatile liabilities | $10,065,000 | 4,559 |
| Insider loans | $1,513,000 | 2,741 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $28,404,000 | 1,552 |
| Tier 1 (core) risk-based capital | $8,588,000 | 4,791 |
| Tier 2 risk-based capital | $775,000 | 3,671 |
| Total risk weighted assets | $62,656,900 | 4,160 |
| Total unused commitments | $28,404,000 | 1,562 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 19 | 8,329 |
| Assets and Liabilities | ||
| Total Assets: | $60,586,000 | 6,596 |
| Cash and due from depository institutions | $6,329,000 | 8,329 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $9,912,000 | 8,791 |
| Federal funds sold & reverse repurchase agreements | $5,000,000 | 1,801 |
| Net loans & leases | $38,379,000 | 5,956 |
| Loan loss allowance | $407,000 | 7,063 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $389,000 | 9,222 |
| Other real estate owned | $0 | 8,329 |
| Goodwill and other intangibles | $13,000 | 2,855 |
| All other assets | $564,000 | 9,123 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $60,586,000 | 6,596 |
| Total liabilities | $52,887,000 | 6,775 |
| Total deposits | $52,494,000 | 6,569 |
| Interest-bearing deposits | $32,704,000 | 8,039 |
| Deposits held in domestic offices | $52,494,000 | 6,563 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $393,000 | 6,160 |
| Total equity capital | $7,699,000 | 5,092 |
| Total bank equity capital | $7,699,000 | 5,092 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $2,228,000 | 1,850 |
| Surplus | $4,228,000 | 3,171 |
| Undivided profits | $1,243,000 | 8,505 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 11,640 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $198,000 | 8,531 |
| Earning assets | $53,291,000 | 6,775 |
| Long-term assets (5+ years) | $1,198,000 | 9,174 |
| Average Assets, year-to-date | $51,193,800 | 7,300 |
| Average Assets, quarterly | $57,936,000 | 6,779 |
| Volatile liabilities | $8,311,000 | 4,957 |
| Insider loans | $1,863,000 | 2,217 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $15,774,000 | 2,282 |
| Tier 1 (core) risk-based capital | $7,770,000 | 5,130 |
| Tier 2 risk-based capital | $407,000 | 6,147 |
| Total risk weighted assets | $40,622,100 | 5,842 |
| Total unused commitments | $15,774,000 | 2,293 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 15 | 9,718 |
| Assets and Liabilities | ||
| Total Assets: | $41,378,000 | 8,654 |
| Cash and due from depository institutions | $4,188,000 | 9,718 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $8,116,000 | 9,837 |
| Federal funds sold & reverse repurchase agreements | $3,000,000 | 4,365 |
| Net loans & leases | $25,455,000 | 7,727 |
| Loan loss allowance | $292,000 | 8,773 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $411,000 | 9,337 |
| Other real estate owned | $0 | 9,718 |
| Goodwill and other intangibles | $24,000 | 2,670 |
| All other assets | $184,000 | 12,443 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $41,378,000 | 8,654 |
| Total liabilities | $34,173,000 | 9,115 |
| Total deposits | $33,954,000 | 8,973 |
| Interest-bearing deposits | $22,263,000 | 10,156 |
| Deposits held in domestic offices | $33,954,000 | 8,967 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $219,000 | 8,867 |
| Total equity capital | $7,205,000 | 5,474 |
| Total bank equity capital | $7,205,000 | 5,474 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $2,228,000 | 1,876 |
| Surplus | $4,228,000 | 3,115 |
| Undivided profits | $749,000 | 10,166 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 12,424 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $112,000 | 10,636 |
| Earning assets | $36,571,000 | 8,816 |
| Long-term assets (5+ years) | $475,000 | 10,702 |
| Average Assets, year-to-date | $35,400,400 | 9,272 |
| Average Assets, quarterly | $40,603,000 | 8,686 |
| Volatile liabilities | $4,250,000 | 7,099 |
| Insider loans | $2,099,000 | 1,945 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $340,000 | 1,337 |
| Unused loan commitments | $11,354,000 | 2,817 |
| Tier 1 (core) risk-based capital | $7,181,000 | 5,420 |
| Tier 2 risk-based capital | $292,000 | 7,717 |
| Total risk weighted assets | $26,796,300 | 7,800 |
| Total unused commitments | $11,354,000 | 2,839 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 11 | 11,407 |
| Assets and Liabilities | ||
| Total Assets: | $28,045,000 | 10,726 |
| Cash and due from depository institutions | $1,752,000 | 11,407 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $4,107,000 | 12,074 |
| Federal funds sold & reverse repurchase agreements | $0 | 11,296 |
| Net loans & leases | $21,600,000 | 8,561 |
| Loan loss allowance | $233,000 | 9,897 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $405,000 | 9,624 |
| Other real estate owned | $0 | 11,407 |
| Goodwill and other intangibles | $34,000 | 2,586 |
| All other assets | $147,000 | 13,366 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $28,045,000 | 10,726 |
| Total liabilities | $23,050,000 | 11,129 |
| Total deposits | $21,891,000 | 11,218 |
| Interest-bearing deposits | $14,444,000 | 12,106 |
| Deposits held in domestic offices | $21,891,000 | 11,214 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,000,000 | 2,539 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $159,000 | 10,948 |
| Total equity capital | $4,995,000 | 7,107 |
| Total bank equity capital | $4,995,000 | 7,107 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $2,228,000 | 1,937 |
| Surplus | $2,228,000 | 5,045 |
| Undivided profits | $539,000 | 10,904 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 13,091 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $96,000 | 11,683 |
| Earning assets | $25,707,000 | 10,655 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $23,889,800 | 11,247 |
| Average Assets, quarterly | $27,516,500 | 10,754 |
| Volatile liabilities | $3,662,000 | 7,787 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $5,567,000 | 4,320 |
| Tier 1 (core) risk-based capital | $4,961,000 | 7,062 |
| Tier 2 risk-based capital | $233,000 | 8,747 |
| Total risk weighted assets | $20,875,600 | 9,100 |
| Total unused commitments | $5,567,000 | 4,343 |
| Derivatives | $0 | 651 |