Home > Second National Bank > Assets and Liabilities
Second National Bank, Assets and Liabilities
| 2008-06-30 | Rank | |
| # of Employees: | 112 | 1,528 |
| Assets and Liabilities | ||
| Total Assets: | $451,601,000 | 1,561 |
| Cash and due from depository institutions | $12,170,000 | 1,528 |
| Interest-bearing balances | $0 | 6,776 |
| Securities | $113,669,000 | 1,071 |
| Federal funds sold & reverse repurchase agreements | $54,630,000 | 212 |
| Net loans & leases | $252,077,000 | 1,906 |
| Loan loss allowance | $4,357,000 | 1,356 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $1,660,000 | 4,971 |
| Other real estate owned | $1,581,000 | 1,528 |
| Goodwill and other intangibles | $222,000 | 2,543 |
| All other assets | $15,592,000 | 1,270 |
| Life insurance assets | $7,566,000 | 872 |
| Total liabilities and capital | $451,601,000 | 1,561 |
| Total liabilities | $428,380,000 | 1,483 |
| Total deposits | $267,570,000 | 1,990 |
| Interest-bearing deposits | $227,376,000 | 2,033 |
| Deposits held in domestic offices | $267,570,000 | 1,986 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $93,080,000 | 346 |
| Trading liabilities | $0 | 94 |
| Other borrowed funds | $62,496,000 | 960 |
| Subordinated debt | $2,500,000 | 215 |
| All other liabilities | $2,734,000 | 1,830 |
| Total equity capital | $23,221,000 | 2,869 |
| Total bank equity capital | $23,221,000 | 2,869 |
| Perpetual preferred stock | $0 | 107 |
| Common stock | $452,000 | 4,319 |
| Surplus | $3,172,000 | 4,932 |
| Undivided profits | $19,597,000 | 1,770 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,200,000 | 2,558 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,082 |
| Income earned, not collected on loans | $2,215,000 | 1,687 |
| Earning assets | $420,376,000 | 1,524 |
| Long-term assets (5+ years) | $136,333,000 | 958 |
| Average Assets, year-to-date | $444,614,330 | 1,555 |
| Average Assets, quarterly | $449,490,500 | 1,551 |
| Volatile liabilities | $142,045,000 | 1,050 |
| Insider loans | $2,856,000 | 2,505 |
| FHLB advances | $62,496,000 | 900 |
| Loans and leases held for sale | $0 | 1,725 |
| Unused loan commitments | $35,062,000 | 2,270 |
| Tier 1 (core) risk-based capital | $23,886,000 | 2,685 |
| Tier 2 risk-based capital | $5,989,000 | 928 |
| Total risk weighted assets | $277,819,000 | 1,837 |
| Total unused commitments | $35,062,000 | 2,271 |
| Derivatives | $0 | 1,075 |
| 2008-03-31 | Rank | |
| # of Employees: | 111 | 1,535 |
| Assets and Liabilities | ||
| Total Assets: | $447,380,000 | 1,560 |
| Cash and due from depository institutions | $10,165,000 | 1,535 |
| Interest-bearing balances | $0 | 6,734 |
| Securities | $121,170,000 | 1,017 |
| Federal funds sold & reverse repurchase agreements | $54,003,000 | 278 |
| Net loans & leases | $245,234,000 | 1,932 |
| Loan loss allowance | $4,305,000 | 1,319 |
| Trading account assets | $0 | 252 |
| Bank premises and fixed assets | $1,688,000 | 4,947 |
| Other real estate owned | $144,000 | 1,535 |
| Goodwill and other intangibles | $237,000 | 2,517 |
| All other assets | $14,739,000 | 1,292 |
| Life insurance assets | $7,487,000 | 868 |
| Total liabilities and capital | $447,380,000 | 1,560 |
| Total liabilities | $423,811,000 | 1,484 |
| Total deposits | $259,763,000 | 2,053 |
| Interest-bearing deposits | $221,272,000 | 2,080 |
| Deposits held in domestic offices | $259,763,000 | 2,049 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $95,705,000 | 334 |
| Trading liabilities | $0 | 86 |
| Other borrowed funds | $62,493,000 | 901 |
| Subordinated debt | $2,500,000 | 209 |
| All other liabilities | $3,350,000 | 1,664 |
| Total equity capital | $23,569,000 | 2,878 |
| Total bank equity capital | $23,569,000 | 2,878 |
| Perpetual preferred stock | $0 | 108 |
| Common stock | $452,000 | 4,332 |
| Surplus | $3,173,000 | 4,917 |
| Undivided profits | $19,944,000 | 1,815 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,346,000 | 1,778 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,070 |
| Income earned, not collected on loans | $2,206,000 | 1,745 |
| Earning assets | $420,407,000 | 1,520 |
| Long-term assets (5+ years) | $142,333,000 | 881 |
| Average Assets, year-to-date | $441,121,000 | 1,564 |
| Average Assets, quarterly | $441,121,000 | 1,564 |
| Volatile liabilities | $132,396,000 | 1,097 |
| Insider loans | $2,896,000 | 2,428 |
| FHLB advances | $62,493,000 | 835 |
| Loans and leases held for sale | $0 | 1,797 |
| Unused loan commitments | $37,611,000 | 2,212 |
| Tier 1 (core) risk-based capital | $22,989,000 | 2,777 |
| Tier 2 risk-based capital | $5,921,000 | 917 |
| Total risk weighted assets | $272,257,000 | 1,847 |
| Total unused commitments | $37,611,000 | 2,214 |
| Derivatives | $0 | 1,109 |
| 2007-12-31 | Rank | |
| # of Employees: | 116 | 1,477 |
| Assets and Liabilities | ||
| Total Assets: | $434,862,000 | 1,584 |
| Cash and due from depository institutions | $14,313,000 | 1,477 |
| Interest-bearing balances | $0 | 6,620 |
| Securities | $123,884,000 | 966 |
| Federal funds sold & reverse repurchase agreements | $34,413,000 | 377 |
| Net loans & leases | $245,503,000 | 1,913 |
| Loan loss allowance | $4,355,000 | 1,269 |
| Trading account assets | $0 | 237 |
| Bank premises and fixed assets | $1,891,000 | 4,701 |
| Other real estate owned | $100,000 | 1,477 |
| Goodwill and other intangibles | $245,000 | 2,497 |
| All other assets | $14,513,000 | 1,312 |
| Life insurance assets | $6,629,000 | 958 |
| Total liabilities and capital | $434,862,000 | 1,584 |
| Total liabilities | $412,360,000 | 1,494 |
| Total deposits | $246,781,000 | 2,125 |
| Interest-bearing deposits | $202,578,000 | 2,213 |
| Deposits held in domestic offices | $246,781,000 | 2,121 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $97,692,000 | 317 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $62,490,000 | 852 |
| Subordinated debt | $2,500,000 | 207 |
| All other liabilities | $2,897,000 | 1,851 |
| Total equity capital | $22,502,000 | 2,976 |
| Total bank equity capital | $22,502,000 | 2,976 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $452,000 | 4,355 |
| Surplus | $3,173,000 | 4,906 |
| Undivided profits | $18,877,000 | 1,888 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,621,000 | 2,544 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,085 |
| Income earned, not collected on loans | $2,397,000 | 1,736 |
| Earning assets | $403,800,000 | 1,554 |
| Long-term assets (5+ years) | $143,505,000 | 833 |
| Average Assets, year-to-date | $411,551,600 | 1,610 |
| Average Assets, quarterly | $436,603,500 | 1,554 |
| Volatile liabilities | $123,749,000 | 1,183 |
| Insider loans | $2,623,000 | 2,572 |
| FHLB advances | $62,490,000 | 786 |
| Loans and leases held for sale | $102,000 | 1,624 |
| Unused loan commitments | $37,759,000 | 2,207 |
| Tier 1 (core) risk-based capital | $22,921,000 | 2,777 |
| Tier 2 risk-based capital | $5,893,000 | 916 |
| Total risk weighted assets | $269,911,000 | 1,849 |
| Total unused commitments | $37,759,000 | 2,209 |
| Derivatives | $0 | 1,052 |
| 2007-09-30 | Rank | |
| # of Employees: | 117 | 1,461 |
| Assets and Liabilities | ||
| Total Assets: | $438,345,000 | 1,541 |
| Cash and due from depository institutions | $10,575,000 | 1,461 |
| Interest-bearing balances | $0 | 6,576 |
| Securities | $127,134,000 | 930 |
| Federal funds sold & reverse repurchase agreements | $44,900,000 | 306 |
| Net loans & leases | $238,387,000 | 1,941 |
| Loan loss allowance | $4,223,000 | 1,241 |
| Trading account assets | $0 | 244 |
| Bank premises and fixed assets | $1,936,000 | 4,631 |
| Other real estate owned | $0 | 1,461 |
| Goodwill and other intangibles | $255,000 | 2,481 |
| All other assets | $15,158,000 | 1,239 |
| Life insurance assets | $6,567,000 | 936 |
| Total liabilities and capital | $438,345,000 | 1,541 |
| Total liabilities | $417,803,000 | 1,431 |
| Total deposits | $248,711,000 | 2,099 |
| Interest-bearing deposits | $210,068,000 | 2,134 |
| Deposits held in domestic offices | $248,711,000 | 2,094 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $98,773,000 | 306 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $64,985,000 | 754 |
| Subordinated debt | $2,500,000 | 202 |
| All other liabilities | $2,834,000 | 1,878 |
| Total equity capital | $20,542,000 | 3,190 |
| Total bank equity capital | $20,542,000 | 3,190 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $452,000 | 4,348 |
| Surplus | $3,172,000 | 4,869 |
| Undivided profits | $16,918,000 | 2,063 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,375,000 | 1,769 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,109 |
| Income earned, not collected on loans | $2,598,000 | 1,701 |
| Earning assets | $410,421,000 | 1,504 |
| Long-term assets (5+ years) | $147,446,000 | 793 |
| Average Assets, year-to-date | $405,724,000 | 1,625 |
| Average Assets, quarterly | $416,378,500 | 1,609 |
| Volatile liabilities | $195,553,000 | 761 |
| Insider loans | $3,038,000 | 2,306 |
| FHLB advances | $64,985,000 | 689 |
| Loans and leases held for sale | $0 | 1,751 |
| Unused loan commitments | $36,588,000 | 2,278 |
| Tier 1 (core) risk-based capital | $22,278,000 | 2,851 |
| Tier 2 risk-based capital | $5,876,000 | 899 |
| Total risk weighted assets | $269,540,000 | 1,807 |
| Total unused commitments | $36,588,000 | 2,278 |
| Derivatives | $0 | 1,033 |
| 2007-06-30 | Rank | |
| # of Employees: | 117 | 1,488 |
| Assets and Liabilities | ||
| Total Assets: | $394,412,000 | 1,715 |
| Cash and due from depository institutions | $12,800,000 | 1,488 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $130,212,000 | 915 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,299 |
| Net loans & leases | $233,711,000 | 1,975 |
| Loan loss allowance | $4,217,000 | 1,249 |
| Trading account assets | $0 | 245 |
| Bank premises and fixed assets | $1,988,000 | 4,575 |
| Other real estate owned | $0 | 1,488 |
| Goodwill and other intangibles | $258,000 | 2,496 |
| All other assets | $15,443,000 | 1,218 |
| Life insurance assets | $6,459,000 | 945 |
| Total liabilities and capital | $394,412,000 | 1,715 |
| Total liabilities | $374,967,000 | 1,629 |
| Total deposits | $248,256,000 | 2,136 |
| Interest-bearing deposits | $207,471,000 | 2,167 |
| Deposits held in domestic offices | $248,256,000 | 2,132 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $116,662,000 | 284 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $4,978,000 | 3,478 |
| Subordinated debt | $2,500,000 | 214 |
| All other liabilities | $2,571,000 | 1,948 |
| Total equity capital | $19,445,000 | 3,305 |
| Total bank equity capital | $19,445,000 | 3,305 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $452,000 | 4,375 |
| Surplus | $3,172,000 | 4,871 |
| Undivided profits | $15,821,000 | 2,139 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $331,000 | 4,823 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,127 |
| Income earned, not collected on loans | $2,404,000 | 1,737 |
| Earning assets | $363,923,000 | 1,700 |
| Long-term assets (5+ years) | $149,199,000 | 773 |
| Average Assets, year-to-date | $394,850,330 | 1,684 |
| Average Assets, quarterly | $393,474,500 | 1,699 |
| Volatile liabilities | $149,248,000 | 965 |
| Insider loans | $2,662,000 | 2,499 |
| FHLB advances | $4,978,000 | 3,339 |
| Loans and leases held for sale | $0 | 1,802 |
| Unused loan commitments | $37,570,000 | 2,249 |
| Tier 1 (core) risk-based capital | $22,256,000 | 2,855 |
| Tier 2 risk-based capital | $5,721,000 | 936 |
| Total risk weighted assets | $256,671,000 | 1,898 |
| Total unused commitments | $37,570,000 | 2,250 |
| Derivatives | $0 | 1,067 |
| 2007-03-31 | Rank | |
| # of Employees: | 119 | 1,457 |
| Assets and Liabilities | ||
| Total Assets: | $392,537,000 | 1,713 |
| Cash and due from depository institutions | $12,306,000 | 1,457 |
| Interest-bearing balances | $0 | 6,642 |
| Securities | $137,594,000 | 862 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,772 |
| Net loans & leases | $225,822,000 | 2,008 |
| Loan loss allowance | $4,210,000 | 1,240 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $2,027,000 | 4,490 |
| Other real estate owned | $0 | 1,457 |
| Goodwill and other intangibles | $273,000 | 2,468 |
| All other assets | $14,515,000 | 1,235 |
| Life insurance assets | $6,402,000 | 933 |
| Total liabilities and capital | $392,537,000 | 1,713 |
| Total liabilities | $371,916,000 | 1,630 |
| Total deposits | $248,023,000 | 2,139 |
| Interest-bearing deposits | $205,720,000 | 2,192 |
| Deposits held in domestic offices | $248,023,000 | 2,135 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $113,362,000 | 280 |
| Trading liabilities | $0 | 89 |
| Other borrowed funds | $4,970,000 | 3,402 |
| Subordinated debt | $2,500,000 | 217 |
| All other liabilities | $3,061,000 | 1,746 |
| Total equity capital | $20,621,000 | 3,148 |
| Total bank equity capital | $20,621,000 | 3,148 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $452,000 | 4,378 |
| Surplus | $3,172,000 | 4,845 |
| Undivided profits | $16,997,000 | 2,057 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $288,000 | 4,914 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,132 |
| Income earned, not collected on loans | $2,325,000 | 1,726 |
| Earning assets | $363,416,000 | 1,703 |
| Long-term assets (5+ years) | $154,506,000 | 730 |
| Average Assets, year-to-date | $395,069,500 | 1,695 |
| Average Assets, quarterly | $395,069,500 | 1,695 |
| Volatile liabilities | $141,965,000 | 973 |
| Insider loans | $3,365,000 | 2,059 |
| FHLB advances | $4,970,000 | 3,274 |
| Loans and leases held for sale | $0 | 1,800 |
| Unused loan commitments | $34,850,000 | 2,386 |
| Tier 1 (core) risk-based capital | $22,177,000 | 2,855 |
| Tier 2 risk-based capital | $5,638,000 | 931 |
| Total risk weighted assets | $249,989,000 | 1,928 |
| Total unused commitments | $34,850,000 | 2,386 |
| Derivatives | $0 | 1,065 |
| 2006-12-31 | Rank | |
| # of Employees: | 121 | 1,425 |
| Assets and Liabilities | ||
| Total Assets: | $397,602,000 | 1,683 |
| Cash and due from depository institutions | $15,584,000 | 1,425 |
| Interest-bearing balances | $0 | 6,658 |
| Securities | $141,884,000 | 863 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,403 |
| Net loans & leases | $223,139,000 | 2,010 |
| Loan loss allowance | $4,198,000 | 1,226 |
| Trading account assets | $0 | 156 |
| Bank premises and fixed assets | $2,088,000 | 4,403 |
| Other real estate owned | $0 | 1,425 |
| Goodwill and other intangibles | $289,000 | 2,433 |
| All other assets | $14,618,000 | 1,242 |
| Life insurance assets | $6,344,000 | 911 |
| Total liabilities and capital | $397,602,000 | 1,683 |
| Total liabilities | $378,456,000 | 1,581 |
| Total deposits | $248,985,000 | 2,121 |
| Interest-bearing deposits | $204,955,000 | 2,174 |
| Deposits held in domestic offices | $248,985,000 | 2,117 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $118,911,000 | 280 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $4,963,000 | 3,535 |
| Subordinated debt | $2,500,000 | 217 |
| All other liabilities | $3,097,000 | 1,690 |
| Total equity capital | $19,146,000 | 3,309 |
| Total bank equity capital | $19,146,000 | 3,309 |
| Perpetual preferred stock | $0 | 112 |
| Common stock | $452,000 | 4,394 |
| Surplus | $3,172,000 | 4,826 |
| Undivided profits | $15,522,000 | 2,195 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $345,000 | 4,491 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,087 |
| Income earned, not collected on loans | $2,320,000 | 1,791 |
| Earning assets | $365,023,000 | 1,672 |
| Long-term assets (5+ years) | $156,742,000 | 708 |
| Average Assets, year-to-date | $391,564,000 | 1,636 |
| Average Assets, quarterly | $397,635,000 | 1,659 |
| Volatile liabilities | $146,785,000 | 1,059 |
| Insider loans | $3,381,000 | 2,032 |
| FHLB advances | $4,963,000 | 3,409 |
| Loans and leases held for sale | $0 | 1,760 |
| Unused loan commitments | $33,841,000 | 2,396 |
| Tier 1 (core) risk-based capital | $21,070,000 | 2,919 |
| Tier 2 risk-based capital | $5,653,000 | 926 |
| Total risk weighted assets | $251,192,000 | 1,904 |
| Total unused commitments | $33,841,000 | 2,397 |
| Derivatives | $0 | 1,023 |
| 2006-09-30 | Rank | |
| # of Employees: | 117 | 1,491 |
| Assets and Liabilities | ||
| Total Assets: | $397,668,000 | 1,664 |
| Cash and due from depository institutions | $16,113,000 | 1,491 |
| Interest-bearing balances | $0 | 6,705 |
| Securities | $147,448,000 | 848 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,029 |
| Net loans & leases | $216,340,000 | 2,071 |
| Loan loss allowance | $4,174,000 | 1,244 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $2,150,000 | 4,319 |
| Other real estate owned | $0 | 1,491 |
| Goodwill and other intangibles | $313,000 | 2,390 |
| All other assets | $15,304,000 | 1,199 |
| Life insurance assets | $6,326,000 | 884 |
| Total liabilities and capital | $397,668,000 | 1,664 |
| Total liabilities | $373,998,000 | 1,580 |
| Total deposits | $243,032,000 | 2,129 |
| Interest-bearing deposits | $195,411,000 | 2,237 |
| Deposits held in domestic offices | $243,032,000 | 2,125 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $115,699,000 | 291 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $7,454,000 | 3,082 |
| Subordinated debt | $5,000,000 | 181 |
| All other liabilities | $2,813,000 | 1,816 |
| Total equity capital | $23,670,000 | 2,732 |
| Total bank equity capital | $23,670,000 | 2,732 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $452,000 | 4,420 |
| Surplus | $3,172,000 | 4,812 |
| Undivided profits | $20,046,000 | 1,754 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $247,000 | 5,064 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,131 |
| Income earned, not collected on loans | $2,454,000 | 1,654 |
| Earning assets | $363,788,000 | 1,671 |
| Long-term assets (5+ years) | $162,005,000 | 704 |
| Average Assets, year-to-date | $390,054,500 | 1,651 |
| Average Assets, quarterly | $392,371,500 | 1,671 |
| Volatile liabilities | $144,101,000 | 1,082 |
| Insider loans | $4,167,000 | 1,685 |
| FHLB advances | $7,454,000 | 2,946 |
| Loans and leases held for sale | $0 | 1,773 |
| Unused loan commitments | $28,105,000 | 2,737 |
| Tier 1 (core) risk-based capital | $25,276,000 | 2,477 |
| Tier 2 risk-based capital | $8,095,000 | 677 |
| Total risk weighted assets | $246,516,000 | 1,921 |
| Total unused commitments | $28,105,000 | 2,737 |
| Derivatives | $0 | 1,023 |
| 2006-06-30 | Rank | |
| # of Employees: | 117 | 1,496 |
| Assets and Liabilities | ||
| Total Assets: | $387,075,000 | 1,697 |
| Cash and due from depository institutions | $11,676,000 | 1,496 |
| Interest-bearing balances | $0 | 6,732 |
| Securities | $145,752,000 | 850 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,870 |
| Net loans & leases | $211,353,000 | 2,090 |
| Loan loss allowance | $4,160,000 | 1,241 |
| Trading account assets | $0 | 157 |
| Bank premises and fixed assets | $2,173,000 | 4,272 |
| Other real estate owned | $36,000 | 1,496 |
| Goodwill and other intangibles | $333,000 | 2,360 |
| All other assets | $15,752,000 | 1,156 |
| Life insurance assets | $6,264,000 | 874 |
| Total liabilities and capital | $387,075,000 | 1,697 |
| Total liabilities | $366,239,000 | 1,613 |
| Total deposits | $232,653,000 | 2,204 |
| Interest-bearing deposits | $195,313,000 | 2,228 |
| Deposits held in domestic offices | $232,653,000 | 2,200 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $117,740,000 | 291 |
| Trading liabilities | $0 | 73 |
| Other borrowed funds | $7,440,000 | 3,120 |
| Subordinated debt | $5,000,000 | 176 |
| All other liabilities | $3,406,000 | 1,418 |
| Total equity capital | $20,836,000 | 2,944 |
| Total bank equity capital | $20,836,000 | 2,944 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $452,000 | 4,414 |
| Surplus | $3,172,000 | 4,803 |
| Undivided profits | $17,212,000 | 1,899 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $102,000 | 6,052 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,150 |
| Income earned, not collected on loans | $2,103,000 | 1,748 |
| Earning assets | $357,105,000 | 1,684 |
| Long-term assets (5+ years) | $161,480,000 | 679 |
| Average Assets, year-to-date | $387,516,670 | 1,664 |
| Average Assets, quarterly | $385,146,500 | 1,685 |
| Volatile liabilities | $146,664,000 | 1,047 |
| Insider loans | $4,383,000 | 1,570 |
| FHLB advances | $7,440,000 | 2,985 |
| Loans and leases held for sale | $0 | 1,763 |
| Unused loan commitments | $26,812,000 | 2,811 |
| Tier 1 (core) risk-based capital | $24,199,000 | 2,525 |
| Tier 2 risk-based capital | $8,045,000 | 662 |
| Total risk weighted assets | $242,521,000 | 1,919 |
| Total unused commitments | $26,812,000 | 2,813 |
| Derivatives | $0 | 1,000 |
| 2006-03-31 | Rank | |
| # of Employees: | 115 | 1,504 |
| Assets and Liabilities | ||
| Total Assets: | $383,218,000 | 1,683 |
| Cash and due from depository institutions | $9,940,000 | 1,504 |
| Interest-bearing balances | $0 | 6,770 |
| Securities | $153,572,000 | 821 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,312 |
| Net loans & leases | $201,985,000 | 2,130 |
| Loan loss allowance | $4,077,000 | 1,241 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $2,163,000 | 4,229 |
| Other real estate owned | $52,000 | 1,504 |
| Goodwill and other intangibles | $355,000 | 2,304 |
| All other assets | $15,151,000 | 1,166 |
| Life insurance assets | $6,210,000 | 860 |
| Total liabilities and capital | $383,218,000 | 1,683 |
| Total liabilities | $362,653,000 | 1,584 |
| Total deposits | $235,857,000 | 2,157 |
| Interest-bearing deposits | $199,731,000 | 2,154 |
| Deposits held in domestic offices | $235,857,000 | 2,152 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $109,101,000 | 287 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $7,428,000 | 3,006 |
| Subordinated debt | $5,000,000 | 171 |
| All other liabilities | $5,267,000 | 1,005 |
| Total equity capital | $20,565,000 | 2,953 |
| Total bank equity capital | $20,565,000 | 2,953 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $452,000 | 4,405 |
| Surplus | $3,172,000 | 4,742 |
| Undivided profits | $16,941,000 | 1,930 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $59,000 | 6,473 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,164 |
| Income earned, not collected on loans | $2,122,000 | 1,624 |
| Earning assets | $355,557,000 | 1,662 |
| Long-term assets (5+ years) | $166,040,000 | 650 |
| Average Assets, year-to-date | $387,737,500 | 1,649 |
| Average Assets, quarterly | $387,737,500 | 1,649 |
| Volatile liabilities | $138,058,000 | 1,061 |
| Insider loans | $4,368,000 | 1,544 |
| FHLB advances | $7,428,000 | 2,898 |
| Loans and leases held for sale | $0 | 1,721 |
| Unused loan commitments | $26,032,000 | 2,838 |
| Tier 1 (core) risk-based capital | $23,069,000 | 2,597 |
| Tier 2 risk-based capital | $7,960,000 | 648 |
| Total risk weighted assets | $235,674,000 | 1,916 |
| Total unused commitments | $26,032,000 | 2,840 |
| Derivatives | $0 | 990 |
| 2005-12-31 | Rank | |
| # of Employees: | 115 | 1,495 |
| Assets and Liabilities | ||
| Total Assets: | $392,257,000 | 1,624 |
| Cash and due from depository institutions | $14,447,000 | 1,495 |
| Interest-bearing balances | $0 | 6,803 |
| Securities | $161,906,000 | 786 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,145 |
| Net loans & leases | $199,561,000 | 2,114 |
| Loan loss allowance | $4,077,000 | 1,224 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $2,207,000 | 4,172 |
| Other real estate owned | $0 | 1,495 |
| Goodwill and other intangibles | $368,000 | 2,283 |
| All other assets | $13,768,000 | 1,256 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $392,257,000 | 1,624 |
| Total liabilities | $371,396,000 | 1,522 |
| Total deposits | $250,595,000 | 2,016 |
| Interest-bearing deposits | $209,002,000 | 2,032 |
| Deposits held in domestic offices | $250,595,000 | 2,009 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $101,910,000 | 302 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $7,413,000 | 3,111 |
| Subordinated debt | $5,000,000 | 172 |
| All other liabilities | $6,478,000 | 829 |
| Total equity capital | $20,861,000 | 2,886 |
| Total bank equity capital | $20,861,000 | 2,886 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $452,000 | 4,425 |
| Surplus | $3,172,000 | 4,707 |
| Undivided profits | $17,237,000 | 1,913 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $196,000 | 5,333 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $2,187,000 | 1,581 |
| Earning assets | $361,467,000 | 1,604 |
| Long-term assets (5+ years) | $167,582,000 | 622 |
| Average Assets, year-to-date | $409,209,400 | 1,477 |
| Average Assets, quarterly | $391,082,500 | 1,604 |
| Volatile liabilities | $135,330,000 | 1,047 |
| Insider loans | $3,659,000 | 1,795 |
| FHLB advances | $7,413,000 | 2,972 |
| Loans and leases held for sale | $0 | 1,743 |
| Unused loan commitments | $29,543,000 | 2,554 |
| Tier 1 (core) risk-based capital | $21,857,000 | 2,674 |
| Tier 2 risk-based capital | $7,963,000 | 639 |
| Total risk weighted assets | $235,895,000 | 1,869 |
| Total unused commitments | $29,543,000 | 2,554 |
| Derivatives | $0 | 930 |
| 2005-09-30 | Rank | |
| # of Employees: | 116 | 1,472 |
| Assets and Liabilities | ||
| Total Assets: | $389,908,000 | 1,595 |
| Cash and due from depository institutions | $9,168,000 | 1,472 |
| Interest-bearing balances | $0 | 6,835 |
| Securities | $171,062,000 | 744 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,951 |
| Net loans & leases | $193,546,000 | 2,139 |
| Loan loss allowance | $4,427,000 | 1,092 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $2,238,000 | 4,097 |
| Other real estate owned | $59,000 | 1,472 |
| Goodwill and other intangibles | $388,000 | 2,233 |
| All other assets | $13,447,000 | 1,246 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $389,908,000 | 1,595 |
| Total liabilities | $364,878,000 | 1,525 |
| Total deposits | $247,836,000 | 1,993 |
| Interest-bearing deposits | $211,296,000 | 1,961 |
| Deposits held in domestic offices | $247,836,000 | 1,987 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $52,513,000 | 441 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $57,400,000 | 812 |
| Subordinated debt | $5,000,000 | 164 |
| All other liabilities | $2,129,000 | 1,976 |
| Total equity capital | $25,030,000 | 2,431 |
| Total bank equity capital | $25,030,000 | 2,431 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $452,000 | 4,426 |
| Surplus | $3,172,000 | 4,659 |
| Undivided profits | $21,406,000 | 1,621 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $369,000 | 4,373 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $2,331,000 | 1,401 |
| Earning assets | $364,608,000 | 1,556 |
| Long-term assets (5+ years) | $182,580,000 | 560 |
| Average Assets, year-to-date | $413,447,500 | 1,445 |
| Average Assets, quarterly | $393,680,000 | 1,567 |
| Volatile liabilities | $85,851,000 | 1,512 |
| Insider loans | $4,432,000 | 1,456 |
| FHLB advances | $57,400,000 | 741 |
| Loans and leases held for sale | $0 | 1,843 |
| Unused loan commitments | $31,428,000 | 2,443 |
| Tier 1 (core) risk-based capital | $25,535,000 | 2,303 |
| Tier 2 risk-based capital | $7,844,000 | 638 |
| Total risk weighted assets | $225,943,000 | 1,895 |
| Total unused commitments | $31,428,000 | 2,446 |
| Derivatives | $0 | 909 |
| 2005-06-30 | Rank | |
| # of Employees: | 117 | 1,460 |
| Assets and Liabilities | ||
| Total Assets: | $397,452,000 | 1,533 |
| Cash and due from depository institutions | $8,354,000 | 1,460 |
| Interest-bearing balances | $0 | 6,834 |
| Securities | $184,785,000 | 698 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,776 |
| Net loans & leases | $189,187,000 | 2,139 |
| Loan loss allowance | $4,404,000 | 1,077 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $2,295,000 | 3,996 |
| Other real estate owned | $79,000 | 1,460 |
| Goodwill and other intangibles | $389,000 | 2,234 |
| All other assets | $12,363,000 | 1,310 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $397,452,000 | 1,533 |
| Total liabilities | $372,351,000 | 1,468 |
| Total deposits | $253,112,000 | 1,894 |
| Interest-bearing deposits | $220,818,000 | 1,840 |
| Deposits held in domestic offices | $253,112,000 | 1,889 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $50,722,000 | 447 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $60,386,000 | 790 |
| Subordinated debt | $5,000,000 | 161 |
| All other liabilities | $3,131,000 | 1,369 |
| Total equity capital | $25,101,000 | 2,380 |
| Total bank equity capital | $25,101,000 | 2,380 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $452,000 | 4,419 |
| Surplus | $3,172,000 | 4,627 |
| Undivided profits | $21,477,000 | 1,602 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $136,000 | 5,870 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $2,135,000 | 1,398 |
| Earning assets | $373,972,000 | 1,491 |
| Long-term assets (5+ years) | $192,267,000 | 534 |
| Average Assets, year-to-date | $421,294,000 | 1,392 |
| Average Assets, quarterly | $409,675,500 | 1,457 |
| Volatile liabilities | $95,512,000 | 1,335 |
| Insider loans | $4,354,000 | 1,472 |
| FHLB advances | $60,386,000 | 722 |
| Loans and leases held for sale | $0 | 1,818 |
| Unused loan commitments | $29,880,000 | 2,454 |
| Tier 1 (core) risk-based capital | $24,144,000 | 2,365 |
| Tier 2 risk-based capital | $7,880,000 | 624 |
| Total risk weighted assets | $228,858,000 | 1,849 |
| Total unused commitments | $29,880,000 | 2,455 |
| Derivatives | $0 | 866 |
| 2005-03-31 | Rank | |
| # of Employees: | 116 | 1,463 |
| Assets and Liabilities | ||
| Total Assets: | $421,899,000 | 1,403 |
| Cash and due from depository institutions | $8,468,000 | 1,463 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $177,544,000 | 725 |
| Federal funds sold & reverse repurchase agreements | $34,000,000 | 352 |
| Net loans & leases | $186,755,000 | 2,115 |
| Loan loss allowance | $4,355,000 | 1,076 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $2,225,000 | 4,073 |
| Other real estate owned | $79,000 | 1,463 |
| Goodwill and other intangibles | $413,000 | 2,205 |
| All other assets | $12,415,000 | 1,286 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $421,899,000 | 1,403 |
| Total liabilities | $399,619,000 | 1,330 |
| Total deposits | $264,942,000 | 1,800 |
| Interest-bearing deposits | $228,589,000 | 1,770 |
| Deposits held in domestic offices | $264,942,000 | 1,796 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $38,212,000 | 527 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $87,373,000 | 586 |
| Subordinated debt | $5,000,000 | 164 |
| All other liabilities | $4,092,000 | 1,094 |
| Total equity capital | $22,280,000 | 2,582 |
| Total bank equity capital | $22,280,000 | 2,582 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $452,000 | 4,441 |
| Surplus | $3,172,000 | 4,624 |
| Undivided profits | $18,656,000 | 1,766 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $864,000 | 2,623 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $2,056,000 | 1,418 |
| Earning assets | $398,299,000 | 1,360 |
| Long-term assets (5+ years) | $181,629,000 | 568 |
| Average Assets, year-to-date | $433,215,000 | 1,341 |
| Average Assets, quarterly | $433,215,000 | 1,341 |
| Volatile liabilities | $89,085,000 | 1,360 |
| Insider loans | $4,453,000 | 1,389 |
| FHLB advances | $87,373,000 | 523 |
| Loans and leases held for sale | $0 | 1,762 |
| Unused loan commitments | $29,829,000 | 2,408 |
| Tier 1 (core) risk-based capital | $22,671,000 | 2,462 |
| Tier 2 risk-based capital | $7,945,000 | 619 |
| Total risk weighted assets | $234,223,000 | 1,769 |
| Total unused commitments | $29,829,000 | 2,413 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 116 | 1,478 |
| Assets and Liabilities | ||
| Total Assets: | $444,531,000 | 1,313 |
| Cash and due from depository institutions | $11,069,000 | 1,478 |
| Interest-bearing balances | $0 | 6,872 |
| Securities | $177,193,000 | 740 |
| Federal funds sold & reverse repurchase agreements | $50,000,000 | 249 |
| Net loans & leases | $192,216,000 | 2,033 |
| Loan loss allowance | $4,361,000 | 1,071 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $2,276,000 | 3,981 |
| Other real estate owned | $0 | 1,478 |
| Goodwill and other intangibles | $435,000 | 2,178 |
| All other assets | $11,342,000 | 1,367 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $444,531,000 | 1,313 |
| Total liabilities | $421,918,000 | 1,250 |
| Total deposits | $262,271,000 | 1,790 |
| Interest-bearing deposits | $221,091,000 | 1,805 |
| Deposits held in domestic offices | $262,271,000 | 1,784 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $44,536,000 | 479 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $105,359,000 | 503 |
| Subordinated debt | $5,000,000 | 169 |
| All other liabilities | $4,752,000 | 948 |
| Total equity capital | $22,613,000 | 2,542 |
| Total bank equity capital | $22,613,000 | 2,542 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $452,000 | 4,457 |
| Surplus | $3,172,000 | 4,599 |
| Undivided profits | $18,989,000 | 1,763 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $815,000 | 2,787 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $2,309,000 | 1,193 |
| Earning assets | $419,409,000 | 1,277 |
| Long-term assets (5+ years) | $181,035,000 | 576 |
| Average Assets, year-to-date | $402,715,200 | 1,398 |
| Average Assets, quarterly | $418,353,000 | 1,395 |
| Volatile liabilities | $131,142,000 | 952 |
| Insider loans | $3,123,000 | 1,928 |
| FHLB advances | $105,359,000 | 444 |
| Loans and leases held for sale | $0 | 1,753 |
| Unused loan commitments | $28,682,000 | 2,374 |
| Tier 1 (core) risk-based capital | $21,321,000 | 2,573 |
| Tier 2 risk-based capital | $8,032,000 | 612 |
| Total risk weighted assets | $241,256,000 | 1,712 |
| Total unused commitments | $28,682,000 | 2,375 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 117 | 1,469 |
| Assets and Liabilities | ||
| Total Assets: | $392,175,000 | 1,498 |
| Cash and due from depository institutions | $8,424,000 | 1,469 |
| Interest-bearing balances | $0 | 6,935 |
| Securities | $182,126,000 | 721 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,928 |
| Net loans & leases | $187,845,000 | 2,038 |
| Loan loss allowance | $4,349,000 | 1,079 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $2,268,000 | 3,934 |
| Other real estate owned | $105,000 | 1,469 |
| Goodwill and other intangibles | $460,000 | 2,108 |
| All other assets | $10,947,000 | 1,388 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $392,175,000 | 1,498 |
| Total liabilities | $365,438,000 | 1,439 |
| Total deposits | $260,468,000 | 1,772 |
| Interest-bearing deposits | $227,297,000 | 1,723 |
| Deposits held in domestic offices | $260,468,000 | 1,767 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $54,873,000 | 414 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $43,000,000 | 1,000 |
| Subordinated debt | $5,000,000 | 173 |
| All other liabilities | $2,097,000 | 1,850 |
| Total equity capital | $26,737,000 | 2,167 |
| Total bank equity capital | $26,737,000 | 2,167 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $452,000 | 4,469 |
| Surplus | $3,172,000 | 4,576 |
| Undivided profits | $23,113,000 | 1,468 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $931,000 | 2,733 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $2,446,000 | 1,132 |
| Earning assets | $369,971,000 | 1,451 |
| Long-term assets (5+ years) | $180,591,000 | 593 |
| Average Assets, year-to-date | $392,261,250 | 1,434 |
| Average Assets, quarterly | $390,005,500 | 1,476 |
| Volatile liabilities | $139,472,000 | 867 |
| Insider loans | $3,644,000 | 1,615 |
| FHLB advances | $0 | 5,299 |
| Loans and leases held for sale | $0 | 1,808 |
| Unused loan commitments | $30,716,000 | 2,249 |
| Tier 1 (core) risk-based capital | $25,178,000 | 2,183 |
| Tier 2 risk-based capital | $7,870,000 | 617 |
| Total risk weighted assets | $228,101,000 | 1,770 |
| Total unused commitments | $30,716,000 | 2,255 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 117 | 1,471 |
| Assets and Liabilities | ||
| Total Assets: | $387,836,000 | 1,475 |
| Cash and due from depository institutions | $9,511,000 | 1,471 |
| Interest-bearing balances | $0 | 6,951 |
| Securities | $180,331,000 | 732 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,884 |
| Net loans & leases | $183,433,000 | 2,013 |
| Loan loss allowance | $4,303,000 | 1,076 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $2,267,000 | 3,917 |
| Other real estate owned | $0 | 1,471 |
| Goodwill and other intangibles | $484,000 | 2,083 |
| All other assets | $11,810,000 | 1,283 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $387,836,000 | 1,475 |
| Total liabilities | $365,011,000 | 1,425 |
| Total deposits | $275,523,000 | 1,657 |
| Interest-bearing deposits | $240,684,000 | 1,605 |
| Deposits held in domestic offices | $275,523,000 | 1,652 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $73,594,000 | 355 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $8,000,000 | 2,873 |
| Subordinated debt | $5,000,000 | 183 |
| All other liabilities | $2,894,000 | 1,326 |
| Total equity capital | $22,825,000 | 2,409 |
| Total bank equity capital | $22,825,000 | 2,409 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $452,000 | 4,500 |
| Surplus | $3,172,000 | 4,554 |
| Undivided profits | $19,201,000 | 1,659 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $483,000 | 4,085 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $2,446,000 | 1,069 |
| Earning assets | $363,764,000 | 1,439 |
| Long-term assets (5+ years) | $179,820,000 | 608 |
| Average Assets, year-to-date | $392,290,000 | 1,425 |
| Average Assets, quarterly | $388,552,000 | 1,460 |
| Volatile liabilities | $129,123,000 | 899 |
| Insider loans | $2,940,000 | 1,956 |
| FHLB advances | $8,000,000 | 2,740 |
| Loans and leases held for sale | $0 | 1,820 |
| Unused loan commitments | $30,682,000 | 2,252 |
| Tier 1 (core) risk-based capital | $23,470,000 | 2,277 |
| Tier 2 risk-based capital | $7,840,000 | 627 |
| Total risk weighted assets | $225,739,000 | 1,741 |
| Total unused commitments | $30,682,000 | 2,257 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 116 | 1,488 |
| Assets and Liabilities | ||
| Total Assets: | $389,268,000 | 1,456 |
| Cash and due from depository institutions | $10,066,000 | 1,488 |
| Interest-bearing balances | $0 | 6,987 |
| Securities | $183,855,000 | 732 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,767 |
| Net loans & leases | $182,233,000 | 1,970 |
| Loan loss allowance | $4,274,000 | 1,072 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $2,324,000 | 3,828 |
| Other real estate owned | $0 | 1,488 |
| Goodwill and other intangibles | $522,000 | 2,033 |
| All other assets | $10,268,000 | 1,380 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $389,268,000 | 1,456 |
| Total liabilities | $364,412,000 | 1,395 |
| Total deposits | $270,393,000 | 1,683 |
| Interest-bearing deposits | $239,358,000 | 1,622 |
| Deposits held in domestic offices | $270,393,000 | 1,679 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $75,243,000 | 345 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $8,000,000 | 2,741 |
| Subordinated debt | $5,000,000 | 181 |
| All other liabilities | $5,776,000 | 842 |
| Total equity capital | $24,856,000 | 2,266 |
| Total bank equity capital | $24,856,000 | 2,266 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $452,000 | 4,511 |
| Surplus | $3,172,000 | 4,529 |
| Undivided profits | $21,232,000 | 1,594 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $170,000 | 6,015 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $2,236,000 | 1,174 |
| Earning assets | $366,088,000 | 1,412 |
| Long-term assets (5+ years) | $185,218,000 | 584 |
| Average Assets, year-to-date | $394,517,000 | 1,419 |
| Average Assets, quarterly | $394,517,000 | 1,419 |
| Volatile liabilities | $127,041,000 | 881 |
| Insider loans | $2,884,000 | 1,964 |
| FHLB advances | $8,000,000 | 2,613 |
| Loans and leases held for sale | $0 | 1,884 |
| Unused loan commitments | $29,249,000 | 2,256 |
| Tier 1 (core) risk-based capital | $21,626,000 | 2,421 |
| Tier 2 risk-based capital | $7,822,000 | 622 |
| Total risk weighted assets | $224,316,000 | 1,716 |
| Total unused commitments | $29,249,000 | 2,261 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 114 | 1,523 |
| Assets and Liabilities | ||
| Total Assets: | $399,766,000 | 1,416 |
| Cash and due from depository institutions | $19,151,000 | 1,523 |
| Interest-bearing balances | $0 | 6,994 |
| Securities | $188,487,000 | 724 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,359 |
| Net loans & leases | $178,734,000 | 1,994 |
| Loan loss allowance | $4,246,000 | 1,086 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $2,368,000 | 3,762 |
| Other real estate owned | $0 | 1,523 |
| Goodwill and other intangibles | $516,000 | 2,025 |
| All other assets | $10,510,000 | 1,370 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $399,766,000 | 1,416 |
| Total liabilities | $377,533,000 | 1,334 |
| Total deposits | $276,267,000 | 1,628 |
| Interest-bearing deposits | $242,246,000 | 1,587 |
| Deposits held in domestic offices | $276,267,000 | 1,626 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $61,849,000 | 397 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $28,000,000 | 1,300 |
| Subordinated debt | $5,000,000 | 183 |
| All other liabilities | $6,417,000 | 777 |
| Total equity capital | $22,233,000 | 2,467 |
| Total bank equity capital | $22,233,000 | 2,467 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $452,000 | 4,548 |
| Surplus | $3,172,000 | 4,503 |
| Undivided profits | $18,609,000 | 1,750 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $256,000 | 5,435 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $2,450,000 | 1,088 |
| Earning assets | $367,221,000 | 1,403 |
| Long-term assets (5+ years) | $189,932,000 | 575 |
| Average Assets, year-to-date | $370,769,800 | 1,471 |
| Average Assets, quarterly | $380,191,000 | 1,477 |
| Volatile liabilities | $112,878,000 | 980 |
| Insider loans | $1,762,000 | 2,862 |
| FHLB advances | $28,000,000 | 1,201 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $26,454,000 | 2,344 |
| Tier 1 (core) risk-based capital | $20,054,000 | 2,567 |
| Tier 2 risk-based capital | $7,838,000 | 612 |
| Total risk weighted assets | $225,629,000 | 1,695 |
| Total unused commitments | $26,454,000 | 2,349 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 114 | 1,544 |
| Assets and Liabilities | ||
| Total Assets: | $360,616,000 | 1,576 |
| Cash and due from depository institutions | $7,451,000 | 1,544 |
| Interest-bearing balances | $0 | 7,032 |
| Securities | $167,535,000 | 800 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,602 |
| Net loans & leases | $172,220,000 | 2,052 |
| Loan loss allowance | $4,440,000 | 1,053 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $2,388,000 | 3,723 |
| Other real estate owned | $0 | 1,544 |
| Goodwill and other intangibles | $531,000 | 1,989 |
| All other assets | $10,491,000 | 1,378 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $360,616,000 | 1,576 |
| Total liabilities | $334,821,000 | 1,524 |
| Total deposits | $265,527,000 | 1,701 |
| Interest-bearing deposits | $231,808,000 | 1,662 |
| Deposits held in domestic offices | $265,527,000 | 1,699 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $53,631,000 | 425 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $8,000,000 | 2,700 |
| Subordinated debt | $5,000,000 | 179 |
| All other liabilities | $2,663,000 | 1,563 |
| Total equity capital | $25,795,000 | 2,132 |
| Total bank equity capital | $25,795,000 | 2,132 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $452,000 | 4,582 |
| Surplus | $3,172,000 | 4,455 |
| Undivided profits | $22,171,000 | 1,470 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $368,000 | 4,949 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $2,422,000 | 1,135 |
| Earning assets | $339,755,000 | 1,522 |
| Long-term assets (5+ years) | $131,325,000 | 837 |
| Average Assets, year-to-date | $363,520,750 | 1,515 |
| Average Assets, quarterly | $365,667,000 | 1,537 |
| Volatile liabilities | $96,058,000 | 1,105 |
| Insider loans | $1,771,000 | 2,839 |
| FHLB advances | $8,000,000 | 2,548 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $27,112,000 | 2,313 |
| Tier 1 (core) risk-based capital | $23,448,000 | 2,225 |
| Tier 2 risk-based capital | $7,704,000 | 625 |
| Total risk weighted assets | $214,549,000 | 1,756 |
| Total unused commitments | $27,112,000 | 2,317 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 113 | 1,555 |
| Assets and Liabilities | ||
| Total Assets: | $370,718,000 | 1,504 |
| Cash and due from depository institutions | $9,883,000 | 1,555 |
| Interest-bearing balances | $0 | 7,050 |
| Securities | $149,112,000 | 883 |
| Federal funds sold & reverse repurchase agreements | $25,000,000 | 622 |
| Net loans & leases | $173,947,000 | 2,005 |
| Loan loss allowance | $4,369,000 | 1,041 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $2,472,000 | 3,611 |
| Other real estate owned | $0 | 1,555 |
| Goodwill and other intangibles | $509,000 | 1,963 |
| All other assets | $9,795,000 | 1,414 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $370,718,000 | 1,504 |
| Total liabilities | $345,334,000 | 1,457 |
| Total deposits | $267,342,000 | 1,669 |
| Interest-bearing deposits | $235,167,000 | 1,618 |
| Deposits held in domestic offices | $267,342,000 | 1,664 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $60,663,000 | 379 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $7,999,000 | 2,693 |
| Subordinated debt | $5,000,000 | 162 |
| All other liabilities | $4,330,000 | 1,121 |
| Total equity capital | $25,384,000 | 2,171 |
| Total bank equity capital | $25,384,000 | 2,171 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $452,000 | 4,591 |
| Surplus | $3,172,000 | 4,418 |
| Undivided profits | $21,760,000 | 1,512 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $745,000 | 3,511 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $2,381,000 | 1,149 |
| Earning assets | $348,059,000 | 1,469 |
| Long-term assets (5+ years) | $120,566,000 | 870 |
| Average Assets, year-to-date | $364,489,000 | 1,497 |
| Average Assets, quarterly | $380,349,500 | 1,442 |
| Volatile liabilities | $103,985,000 | 1,021 |
| Insider loans | $2,499,000 | 2,175 |
| FHLB advances | $7,999,000 | 2,541 |
| Loans and leases held for sale | $0 | 2,044 |
| Unused loan commitments | $23,108,000 | 2,556 |
| Tier 1 (core) risk-based capital | $22,037,000 | 2,322 |
| Tier 2 risk-based capital | $7,731,000 | 596 |
| Total risk weighted assets | $216,870,000 | 1,716 |
| Total unused commitments | $23,108,000 | 2,563 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 110 | 1,580 |
| Assets and Liabilities | ||
| Total Assets: | $389,981,000 | 1,397 |
| Cash and due from depository institutions | $9,032,000 | 1,580 |
| Interest-bearing balances | $0 | 7,012 |
| Securities | $198,324,000 | 676 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,247 |
| Net loans & leases | $169,860,000 | 2,018 |
| Loan loss allowance | $4,219,000 | 1,073 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $2,524,000 | 3,510 |
| Other real estate owned | $0 | 1,580 |
| Goodwill and other intangibles | $467,000 | 1,995 |
| All other assets | $9,774,000 | 1,393 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $389,981,000 | 1,397 |
| Total liabilities | $366,834,000 | 1,333 |
| Total deposits | $267,544,000 | 1,646 |
| Interest-bearing deposits | $236,833,000 | 1,606 |
| Deposits held in domestic offices | $267,544,000 | 1,643 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $79,584,000 | 335 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $8,999,000 | 2,445 |
| Subordinated debt | $5,000,000 | 157 |
| All other liabilities | $5,707,000 | 932 |
| Total equity capital | $23,147,000 | 2,312 |
| Total bank equity capital | $23,147,000 | 2,312 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $452,000 | 4,605 |
| Surplus | $3,172,000 | 4,383 |
| Undivided profits | $19,523,000 | 1,636 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $549,000 | 4,089 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $2,505,000 | 1,107 |
| Earning assets | $368,184,000 | 1,360 |
| Long-term assets (5+ years) | $115,344,000 | 871 |
| Average Assets, year-to-date | $361,374,500 | 1,494 |
| Average Assets, quarterly | $361,374,500 | 1,494 |
| Volatile liabilities | $125,503,000 | 854 |
| Insider loans | $2,798,000 | 1,923 |
| FHLB advances | $8,999,000 | 2,313 |
| Loans and leases held for sale | $0 | 1,961 |
| Unused loan commitments | $19,110,000 | 2,789 |
| Tier 1 (core) risk-based capital | $20,336,000 | 2,444 |
| Tier 2 risk-based capital | $7,741,000 | 589 |
| Total risk weighted assets | $217,800,000 | 1,675 |
| Total unused commitments | $19,110,000 | 2,800 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 111 | 1,556 |
| Assets and Liabilities | ||
| Total Assets: | $332,768,000 | 1,618 |
| Cash and due from depository institutions | $9,128,000 | 1,556 |
| Interest-bearing balances | $0 | 7,009 |
| Securities | $128,512,000 | 974 |
| Federal funds sold & reverse repurchase agreements | $10,000,000 | 1,432 |
| Net loans & leases | $172,465,000 | 1,974 |
| Loan loss allowance | $4,036,000 | 1,090 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $2,545,000 | 3,468 |
| Other real estate owned | $0 | 1,556 |
| Goodwill and other intangibles | $440,000 | 1,999 |
| All other assets | $9,678,000 | 1,352 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $332,768,000 | 1,618 |
| Total liabilities | $311,309,000 | 1,564 |
| Total deposits | $269,024,000 | 1,587 |
| Interest-bearing deposits | $236,457,000 | 1,562 |
| Deposits held in domestic offices | $269,024,000 | 1,585 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $20,685,000 | 696 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $9,229,000 | 2,415 |
| Subordinated debt | $5,000,000 | 154 |
| All other liabilities | $7,371,000 | 744 |
| Total equity capital | $21,459,000 | 2,462 |
| Total bank equity capital | $21,459,000 | 2,462 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $452,000 | 4,609 |
| Surplus | $3,172,000 | 4,330 |
| Undivided profits | $17,835,000 | 1,762 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $218,000 | 5,760 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $2,461,000 | 1,165 |
| Earning assets | $310,977,000 | 1,581 |
| Long-term assets (5+ years) | $88,866,000 | 1,076 |
| Average Assets, year-to-date | $327,078,200 | 1,563 |
| Average Assets, quarterly | $331,253,000 | 1,602 |
| Volatile liabilities | $63,098,000 | 1,518 |
| Insider loans | $2,581,000 | 2,036 |
| FHLB advances | $9,229,000 | 2,262 |
| Loans and leases held for sale | $0 | 1,889 |
| Unused loan commitments | $21,602,000 | 2,509 |
| Tier 1 (core) risk-based capital | $18,861,000 | 2,588 |
| Tier 2 risk-based capital | $7,602,000 | 593 |
| Total risk weighted assets | $206,695,000 | 1,736 |
| Total unused commitments | $21,602,000 | 2,515 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 111 | 1,522 |
| Assets and Liabilities | ||
| Total Assets: | $334,114,000 | 1,519 |
| Cash and due from depository institutions | $11,244,000 | 1,522 |
| Interest-bearing balances | $0 | 7,015 |
| Securities | $121,234,000 | 943 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,110 |
| Net loans & leases | $187,858,000 | 1,755 |
| Loan loss allowance | $4,100,000 | 1,020 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $2,826,000 | 3,122 |
| Other real estate owned | $0 | 1,522 |
| Goodwill and other intangibles | $512,000 | 1,857 |
| All other assets | $10,440,000 | 1,181 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $334,114,000 | 1,519 |
| Total liabilities | $315,389,000 | 1,450 |
| Total deposits | $249,733,000 | 1,628 |
| Interest-bearing deposits | $216,264,000 | 1,620 |
| Deposits held in domestic offices | $249,733,000 | 1,624 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $24,587,000 | 669 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $29,243,000 | 1,090 |
| Subordinated debt | $5,000,000 | 161 |
| All other liabilities | $6,826,000 | 799 |
| Total equity capital | $18,725,000 | 2,607 |
| Total bank equity capital | $18,725,000 | 2,607 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $452,000 | 4,713 |
| Surplus | $3,172,000 | 4,256 |
| Undivided profits | $15,101,000 | 1,896 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $619,000 | 3,696 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $2,579,000 | 1,218 |
| Earning assets | $309,092,000 | 1,497 |
| Long-term assets (5+ years) | $107,531,000 | 891 |
| Average Assets, year-to-date | $314,979,400 | 1,522 |
| Average Assets, quarterly | $326,142,500 | 1,530 |
| Volatile liabilities | $75,457,000 | 1,258 |
| Insider loans | $940,000 | 4,065 |
| FHLB advances | $29,243,000 | 989 |
| Loans and leases held for sale | $0 | 1,749 |
| Unused loan commitments | $27,714,000 | 1,992 |
| Tier 1 (core) risk-based capital | $18,078,000 | 2,571 |
| Tier 2 risk-based capital | $7,753,000 | 558 |
| Total risk weighted assets | $218,894,000 | 1,573 |
| Total unused commitments | $27,714,000 | 1,998 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 113 | 1,469 |
| Assets and Liabilities | ||
| Total Assets: | $314,548,000 | 1,519 |
| Cash and due from depository institutions | $10,650,000 | 1,469 |
| Interest-bearing balances | $0 | 6,829 |
| Securities | $72,250,000 | 1,510 |
| Federal funds sold & reverse repurchase agreements | $9,000,000 | 1,338 |
| Net loans & leases | $211,260,000 | 1,514 |
| Loan loss allowance | $4,620,000 | 903 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $2,670,000 | 3,224 |
| Other real estate owned | $0 | 1,469 |
| Goodwill and other intangibles | $393,000 | 1,977 |
| All other assets | $8,325,000 | 1,172 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $314,548,000 | 1,519 |
| Total liabilities | $296,337,000 | 1,463 |
| Total deposits | $239,079,000 | 1,598 |
| Interest-bearing deposits | $203,970,000 | 1,637 |
| Deposits held in domestic offices | $239,079,000 | 1,593 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $28,538,000 | 607 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $16,505,000 | 1,497 |
| Subordinated debt | $5,000,000 | 164 |
| All other liabilities | $7,215,000 | 764 |
| Total equity capital | $18,211,000 | 2,572 |
| Total bank equity capital | $18,211,000 | 2,572 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $452,000 | 4,861 |
| Surplus | $3,172,000 | 4,210 |
| Undivided profits | $14,587,000 | 1,863 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $348,000 | 4,581 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $1,938,000 | 1,292 |
| Earning assets | $292,510,000 | 1,504 |
| Long-term assets (5+ years) | $69,297,000 | 1,255 |
| Average Assets, year-to-date | $307,328,800 | 1,486 |
| Average Assets, quarterly | $309,842,500 | 1,521 |
| Volatile liabilities | $56,212,000 | 1,578 |
| Insider loans | $355,000 | 6,201 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $22,204,000 | 2,169 |
| Tier 1 (core) risk-based capital | $17,302,300 | 2,593 |
| Tier 2 risk-based capital | $7,617,040 | 568 |
| Total risk weighted assets | $207,359,940 | 1,571 |
| Total unused commitments | $22,204,000 | 2,174 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 109 | 1,568 |
| Assets and Liabilities | ||
| Total Assets: | $308,067,000 | 1,535 |
| Cash and due from depository institutions | $8,694,000 | 1,568 |
| Interest-bearing balances | $0 | 6,854 |
| Securities | $80,142,000 | 1,430 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $201,608,000 | 1,511 |
| Loan loss allowance | $2,316,000 | 1,607 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $3,091,000 | 2,766 |
| Other real estate owned | $0 | 1,568 |
| Goodwill and other intangibles | $552,000 | 1,832 |
| All other assets | $13,980,000 | 771 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $308,067,000 | 1,535 |
| Total liabilities | $286,086,000 | 1,486 |
| Total deposits | $246,685,000 | 1,536 |
| Interest-bearing deposits | $217,365,000 | 1,496 |
| Deposits held in domestic offices | $246,685,000 | 1,532 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $12,519,000 | 1,063 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $16,917,000 | 1,456 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $9,965,000 | 611 |
| Total equity capital | $21,981,000 | 2,015 |
| Total bank equity capital | $21,981,000 | 2,015 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $452,000 | 5,007 |
| Surplus | $3,172,000 | 4,185 |
| Undivided profits | $18,357,000 | 1,383 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $412,000 | 4,103 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $1,752,000 | 1,205 |
| Earning assets | $281,750,000 | 1,531 |
| Long-term assets (5+ years) | $48,726,000 | 1,744 |
| Average Assets, year-to-date | $299,990,400 | 1,502 |
| Average Assets, quarterly | $303,624,000 | 1,532 |
| Volatile liabilities | $29,505,000 | 2,569 |
| Insider loans | $754,000 | 4,396 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $34,130,000 | 1,590 |
| Tier 1 (core) risk-based capital | $22,505,300 | 1,957 |
| Tier 2 risk-based capital | $2,316,000 | 1,475 |
| Total risk weighted assets | $206,818,800 | 1,507 |
| Total unused commitments | $34,130,000 | 1,592 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 108 | 1,564 |
| Assets and Liabilities | ||
| Total Assets: | $302,554,000 | 1,508 |
| Cash and due from depository institutions | $9,051,000 | 1,564 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $99,382,000 | 1,160 |
| Federal funds sold & reverse repurchase agreements | $5,400,000 | 3,167 |
| Net loans & leases | $179,596,000 | 1,569 |
| Loan loss allowance | $2,141,000 | 1,653 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $3,230,000 | 2,517 |
| Other real estate owned | $0 | 1,564 |
| Goodwill and other intangibles | $703,000 | 1,623 |
| All other assets | $5,192,000 | 1,503 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $302,554,000 | 1,508 |
| Total liabilities | $279,547,000 | 1,474 |
| Total deposits | $246,261,000 | 1,511 |
| Interest-bearing deposits | $216,218,000 | 1,469 |
| Deposits held in domestic offices | $246,261,000 | 1,506 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $15,653,000 | 828 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $14,972,000 | 1,248 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $2,661,000 | 1,557 |
| Total equity capital | $23,007,000 | 1,945 |
| Total bank equity capital | $23,007,000 | 1,945 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $452,000 | 5,060 |
| Surplus | $2,935,000 | 4,304 |
| Undivided profits | $19,620,000 | 1,325 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $402,000 | 4,500 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $1,499,000 | 1,395 |
| Earning assets | $284,378,000 | 1,471 |
| Long-term assets (5+ years) | $38,574,000 | 1,972 |
| Average Assets, year-to-date | $284,629,400 | 1,517 |
| Average Assets, quarterly | $296,134,500 | 1,512 |
| Volatile liabilities | $31,082,000 | 2,092 |
| Insider loans | $2,705,000 | 1,592 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $35,227,000 | 1,470 |
| Tier 1 (core) risk-based capital | $21,858,300 | 1,946 |
| Tier 2 risk-based capital | $2,141,000 | 1,519 |
| Total risk weighted assets | $184,322,300 | 1,562 |
| Total unused commitments | $35,227,000 | 1,476 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 107 | 1,632 |
| Assets and Liabilities | ||
| Total Assets: | $276,380,000 | 1,650 |
| Cash and due from depository institutions | $7,166,000 | 1,632 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $72,287,000 | 1,587 |
| Federal funds sold & reverse repurchase agreements | $5,500,000 | 2,489 |
| Net loans & leases | $182,791,000 | 1,540 |
| Loan loss allowance | $2,055,000 | 1,750 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $3,005,000 | 2,624 |
| Other real estate owned | $0 | 1,632 |
| Goodwill and other intangibles | $731,000 | 1,521 |
| All other assets | $4,900,000 | 1,569 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $276,380,000 | 1,650 |
| Total liabilities | $254,218,000 | 1,615 |
| Total deposits | $218,857,000 | 1,717 |
| Interest-bearing deposits | $193,564,000 | 1,668 |
| Deposits held in domestic offices | $218,857,000 | 1,710 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $14,202,000 | 890 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $18,772,000 | 990 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $2,387,000 | 1,753 |
| Total equity capital | $22,162,000 | 2,023 |
| Total bank equity capital | $22,162,000 | 2,023 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $452,000 | 5,264 |
| Surplus | $2,935,000 | 4,271 |
| Undivided profits | $18,775,000 | 1,379 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $339,000 | 5,032 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,540,000 | 1,420 |
| Earning assets | $260,578,000 | 1,602 |
| Long-term assets (5+ years) | $14,843,000 | 3,389 |
| Average Assets, year-to-date | $268,756,800 | 1,612 |
| Average Assets, quarterly | $272,947,000 | 1,648 |
| Volatile liabilities | $49,219,000 | 1,428 |
| Insider loans | $1,896,000 | 2,156 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $31,190,000 | 1,529 |
| Tier 1 (core) risk-based capital | $21,176,500 | 2,009 |
| Tier 2 risk-based capital | $2,055,000 | 1,497 |
| Total risk weighted assets | $176,497,600 | 1,600 |
| Total unused commitments | $31,190,000 | 1,531 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 105 | 1,770 |
| Assets and Liabilities | ||
| Total Assets: | $268,568,000 | 1,725 |
| Cash and due from depository institutions | $8,685,000 | 1,770 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $69,251,000 | 1,745 |
| Federal funds sold & reverse repurchase agreements | $8,300,000 | 1,558 |
| Net loans & leases | $174,159,000 | 1,653 |
| Loan loss allowance | $1,934,000 | 1,962 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $2,609,000 | 2,970 |
| Other real estate owned | $8,000 | 1,770 |
| Goodwill and other intangibles | $805,000 | 1,403 |
| All other assets | $4,751,000 | 1,665 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $268,568,000 | 1,725 |
| Total liabilities | $246,823,000 | 1,692 |
| Total deposits | $229,394,000 | 1,673 |
| Interest-bearing deposits | $194,217,000 | 1,725 |
| Deposits held in domestic offices | $229,394,000 | 1,661 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $15,041,000 | 943 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $365,000 | 4,177 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $2,023,000 | 2,016 |
| Total equity capital | $21,745,000 | 2,060 |
| Total bank equity capital | $21,745,000 | 2,060 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $452,000 | 5,579 |
| Surplus | $2,935,000 | 4,341 |
| Undivided profits | $18,358,000 | 1,418 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $250,000 | 6,108 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $1,471,000 | 1,478 |
| Earning assets | $251,710,000 | 1,690 |
| Long-term assets (5+ years) | $20,128,000 | 2,655 |
| Average Assets, year-to-date | $258,175,200 | 1,732 |
| Average Assets, quarterly | $262,225,000 | 1,759 |
| Volatile liabilities | $35,416,000 | 1,814 |
| Insider loans | $2,519,000 | 1,698 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $29,631,000 | 1,560 |
| Tier 1 (core) risk-based capital | $20,891,000 | 2,065 |
| Tier 2 risk-based capital | $1,934,000 | 1,634 |
| Total risk weighted assets | $166,422,400 | 1,717 |
| Total unused commitments | $29,631,000 | 1,574 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 93 | 2,073 |
| Assets and Liabilities | ||
| Total Assets: | $259,566,000 | 1,811 |
| Cash and due from depository institutions | $10,533,000 | 2,073 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $69,272,000 | 1,819 |
| Federal funds sold & reverse repurchase agreements | $8,800,000 | 1,648 |
| Net loans & leases | $162,797,000 | 1,743 |
| Loan loss allowance | $1,904,000 | 2,026 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $2,721,000 | 2,780 |
| Other real estate owned | $15,000 | 2,073 |
| Goodwill and other intangibles | $885,000 | 1,238 |
| All other assets | $4,543,000 | 1,759 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $259,566,000 | 1,811 |
| Total liabilities | $231,749,000 | 1,830 |
| Total deposits | $217,964,000 | 1,772 |
| Interest-bearing deposits | $190,116,000 | 1,781 |
| Deposits held in domestic offices | $217,964,000 | 1,759 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $11,749,000 | 1,024 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $2,036,000 | 2,074 |
| Total equity capital | $27,817,000 | 1,635 |
| Total bank equity capital | $27,817,000 | 1,635 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $452,000 | 5,878 |
| Surplus | $2,935,000 | 4,311 |
| Undivided profits | $24,430,000 | 1,064 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $203,000 | 6,673 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $1,350,000 | 1,674 |
| Earning assets | $240,869,000 | 1,780 |
| Long-term assets (5+ years) | $10,651,000 | 3,885 |
| Average Assets, year-to-date | $255,632,800 | 1,776 |
| Average Assets, quarterly | $259,295,500 | 1,795 |
| Volatile liabilities | $29,489,000 | 1,888 |
| Insider loans | $1,903,000 | 2,235 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $30,999,000 | 1,449 |
| Tier 1 (core) risk-based capital | $26,513,000 | 1,613 |
| Tier 2 risk-based capital | $1,904,000 | 1,665 |
| Total risk weighted assets | $156,271,400 | 1,819 |
| Total unused commitments | $30,999,000 | 1,460 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 93 | 2,169 |
| Assets and Liabilities | ||
| Total Assets: | $256,468,000 | 1,795 |
| Cash and due from depository institutions | $12,112,000 | 2,169 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $76,565,000 | 1,706 |
| Federal funds sold & reverse repurchase agreements | $3,200,000 | 2,664 |
| Net loans & leases | $158,468,000 | 1,765 |
| Loan loss allowance | $1,794,000 | 2,169 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $2,472,000 | 2,983 |
| Other real estate owned | $27,000 | 2,169 |
| Goodwill and other intangibles | $1,005,000 | 1,069 |
| All other assets | $2,619,000 | 3,026 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $256,468,000 | 1,795 |
| Total liabilities | $232,947,000 | 1,804 |
| Total deposits | $209,541,000 | 1,810 |
| Interest-bearing deposits | $180,031,000 | 1,839 |
| Deposits held in domestic offices | $209,541,000 | 1,798 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $11,933,000 | 1,170 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $10,000,000 | 1,229 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,473,000 | 2,275 |
| Total equity capital | $23,521,000 | 1,761 |
| Total bank equity capital | $23,521,000 | 1,761 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $452,000 | 6,211 |
| Surplus | $2,935,000 | 4,246 |
| Undivided profits | $20,134,000 | 1,174 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $182,000 | 7,016 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $1,275,000 | 1,533 |
| Earning assets | $238,233,000 | 1,766 |
| Long-term assets (5+ years) | $11,332,000 | 3,803 |
| Average Assets, year-to-date | $247,378,800 | 1,804 |
| Average Assets, quarterly | $252,711,500 | 1,816 |
| Volatile liabilities | $37,609,000 | 1,528 |
| Insider loans | $1,485,000 | 2,716 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $24,912,000 | 1,628 |
| Tier 1 (core) risk-based capital | $23,572,000 | 1,758 |
| Tier 2 risk-based capital | $1,794,000 | 1,743 |
| Total risk weighted assets | $152,400,500 | 1,821 |
| Total unused commitments | $24,912,000 | 1,639 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 94 | 2,236 |
| Assets and Liabilities | ||
| Total Assets: | $244,054,000 | 1,903 |
| Cash and due from depository institutions | $8,201,000 | 2,236 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $91,402,000 | 1,497 |
| Federal funds sold & reverse repurchase agreements | $5,250,000 | 2,660 |
| Net loans & leases | $132,758,000 | 2,056 |
| Loan loss allowance | $1,779,000 | 2,273 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,574,000 | 2,839 |
| Other real estate owned | $66,000 | 2,236 |
| Goodwill and other intangibles | $1,126,000 | 945 |
| All other assets | $2,677,000 | 2,695 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $244,054,000 | 1,903 |
| Total liabilities | $222,432,000 | 1,907 |
| Total deposits | $206,197,000 | 1,910 |
| Interest-bearing deposits | $184,181,000 | 1,870 |
| Deposits held in domestic offices | $206,197,000 | 1,896 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $14,830,000 | 876 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,405,000 | 2,404 |
| Total equity capital | $21,622,000 | 1,898 |
| Total bank equity capital | $21,622,000 | 1,898 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $452,000 | 6,505 |
| Surplus | $2,935,000 | 4,212 |
| Undivided profits | $18,235,000 | 1,302 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $183,000 | 7,797 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $1,048,000 | 1,650 |
| Earning assets | $229,410,000 | 1,860 |
| Long-term assets (5+ years) | $11,627,000 | 3,956 |
| Average Assets, year-to-date | $233,065,000 | 1,936 |
| Average Assets, quarterly | $240,372,500 | 1,912 |
| Volatile liabilities | $25,284,000 | 1,993 |
| Insider loans | $1,040,000 | 3,615 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $23,388,000 | 1,700 |
| Tier 1 (core) risk-based capital | $20,496,000 | 1,940 |
| Tier 2 risk-based capital | $1,660,300 | 1,850 |
| Total risk weighted assets | $132,705,300 | 2,022 |
| Total unused commitments | $23,388,000 | 1,722 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 92 | 2,352 |
| Assets and Liabilities | ||
| Total Assets: | $228,508,000 | 2,081 |
| Cash and due from depository institutions | $8,272,000 | 2,352 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $79,036,000 | 1,701 |
| Federal funds sold & reverse repurchase agreements | $5,100,000 | 3,180 |
| Net loans & leases | $129,256,000 | 2,153 |
| Loan loss allowance | $1,624,000 | 2,527 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $2,742,000 | 2,681 |
| Other real estate owned | $153,000 | 2,352 |
| Goodwill and other intangibles | $1,238,000 | 910 |
| All other assets | $2,711,000 | 2,772 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $228,508,000 | 2,081 |
| Total liabilities | $209,805,000 | 2,087 |
| Total deposits | $198,654,000 | 2,075 |
| Interest-bearing deposits | $178,828,000 | 2,008 |
| Deposits held in domestic offices | $198,654,000 | 2,066 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $9,422,000 | 1,028 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $1,729,000 | 2,103 |
| Total equity capital | $18,703,000 | 2,078 |
| Total bank equity capital | $18,703,000 | 2,078 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $452,000 | 6,844 |
| Surplus | $2,935,000 | 4,113 |
| Undivided profits | $15,316,000 | 1,411 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $581,000 | 5,162 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $1,170,000 | 1,658 |
| Earning assets | $213,392,000 | 2,030 |
| Long-term assets (5+ years) | $26,853,000 | 2,054 |
| Average Assets, year-to-date | $219,535,000 | 2,111 |
| Average Assets, quarterly | $224,242,000 | 2,099 |
| Volatile liabilities | $19,863,000 | 2,375 |
| Insider loans | $1,072,000 | 773 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $23,370,000 | 1,632 |
| Tier 1 (core) risk-based capital | $17,465,000 | 2,155 |
| Tier 2 risk-based capital | $1,616,530 | 1,940 |
| Total risk weighted assets | $129,314,830 | 2,148 |
| Total unused commitments | $23,370,000 | 1,645 |
| Derivatives | $0 | 651 |