Home > Shenandoah Valley National Bank > Assets and Liabilities
Shenandoah Valley National Bank, Assets and Liabilities
| 2007-03-31 | Rank | |
| # of Employees: | 95 | 1,825 |
| Assets and Liabilities | ||
| Total Assets: | $482,739,000 | 1,378 |
| Cash and due from depository institutions | $4,661,000 | 1,825 |
| Interest-bearing balances | $54,000 | 5,383 |
| Securities | $83,623,000 | 1,418 |
| Federal funds sold & reverse repurchase agreements | $1,419,000 | 5,494 |
| Net loans & leases | $373,638,000 | 1,239 |
| Loan loss allowance | $4,019,000 | 1,314 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $7,384,000 | 1,660 |
| Other real estate owned | $0 | 1,825 |
| Goodwill and other intangibles | $0 | 3,322 |
| All other assets | $12,014,000 | 1,461 |
| Life insurance assets | $2,048,000 | 2,242 |
| Total liabilities and capital | $482,739,000 | 1,378 |
| Total liabilities | $444,140,000 | 1,343 |
| Total deposits | $372,920,000 | 1,425 |
| Interest-bearing deposits | $346,065,000 | 1,315 |
| Deposits held in domestic offices | $372,920,000 | 1,421 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $792,000 | 2,555 |
| Trading liabilities | $0 | 89 |
| Other borrowed funds | $66,359,000 | 679 |
| Subordinated debt | $0 | 262 |
| All other liabilities | $4,069,000 | 1,376 |
| Total equity capital | $38,599,000 | 1,769 |
| Total bank equity capital | $38,599,000 | 1,769 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $6,075,000 | 755 |
| Surplus | $18,225,000 | 1,539 |
| Undivided profits | $14,299,000 | 2,387 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,446,000 | 1,403 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,132 |
| Income earned, not collected on loans | $2,542,000 | 1,557 |
| Earning assets | $458,734,000 | 1,326 |
| Long-term assets (5+ years) | $126,218,000 | 885 |
| Average Assets, year-to-date | $478,968,000 | 1,374 |
| Average Assets, quarterly | $478,968,000 | 1,374 |
| Volatile liabilities | $112,858,000 | 1,218 |
| Insider loans | $15,445,000 | 412 |
| FHLB advances | $66,359,000 | 616 |
| Loans and leases held for sale | $1,190,000 | 919 |
| Unused loan commitments | $57,881,000 | 1,639 |
| Tier 1 (core) risk-based capital | $38,454,000 | 1,661 |
| Tier 2 risk-based capital | $4,064,000 | 1,300 |
| Total risk weighted assets | $391,683,000 | 1,245 |
| Total unused commitments | $57,881,000 | 1,640 |
| Derivatives | $13,084,000 | 459 |
| 2006-12-31 | Rank | |
| # of Employees: | 128 | 1,348 |
| Assets and Liabilities | ||
| Total Assets: | $475,197,000 | 1,383 |
| Cash and due from depository institutions | $5,525,000 | 1,348 |
| Interest-bearing balances | $216,000 | 3,942 |
| Securities | $79,649,000 | 1,530 |
| Federal funds sold & reverse repurchase agreements | $4,591,000 | 3,033 |
| Net loans & leases | $367,111,000 | 1,244 |
| Loan loss allowance | $3,518,000 | 1,485 |
| Trading account assets | $0 | 156 |
| Bank premises and fixed assets | $7,458,000 | 1,623 |
| Other real estate owned | $75,000 | 1,348 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $10,788,000 | 1,621 |
| Life insurance assets | $2,028,000 | 2,219 |
| Total liabilities and capital | $475,197,000 | 1,383 |
| Total liabilities | $437,523,000 | 1,349 |
| Total deposits | $386,495,000 | 1,333 |
| Interest-bearing deposits | $364,593,000 | 1,207 |
| Deposits held in domestic offices | $386,495,000 | 1,329 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $214,000 | 3,123 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $46,393,000 | 942 |
| Subordinated debt | $0 | 264 |
| All other liabilities | $4,421,000 | 1,269 |
| Total equity capital | $37,674,000 | 1,773 |
| Total bank equity capital | $37,674,000 | 1,773 |
| Perpetual preferred stock | $0 | 112 |
| Common stock | $6,075,000 | 745 |
| Surplus | $18,225,000 | 1,511 |
| Undivided profits | $13,374,000 | 2,487 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,176,000 | 1,443 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,087 |
| Income earned, not collected on loans | $2,422,000 | 1,691 |
| Earning assets | $451,567,000 | 1,330 |
| Long-term assets (5+ years) | $124,304,000 | 878 |
| Average Assets, year-to-date | $437,122,400 | 1,428 |
| Average Assets, quarterly | $469,587,500 | 1,380 |
| Volatile liabilities | $170,497,000 | 926 |
| Insider loans | $15,829,000 | 387 |
| FHLB advances | $46,393,000 | 869 |
| Loans and leases held for sale | $8,429,000 | 287 |
| Unused loan commitments | $57,422,000 | 1,639 |
| Tier 1 (core) risk-based capital | $37,683,000 | 1,668 |
| Tier 2 risk-based capital | $3,560,000 | 1,467 |
| Total risk weighted assets | $379,440,000 | 1,267 |
| Total unused commitments | $57,422,000 | 1,640 |
| Derivatives | $13,184,000 | 448 |
| 2006-09-30 | Rank | |
| # of Employees: | 145 | 1,199 |
| Assets and Liabilities | ||
| Total Assets: | $463,978,000 | 1,400 |
| Cash and due from depository institutions | $3,712,000 | 1,199 |
| Interest-bearing balances | $60,000 | 5,325 |
| Securities | $78,927,000 | 1,544 |
| Federal funds sold & reverse repurchase agreements | $6,232,000 | 2,088 |
| Net loans & leases | $356,642,000 | 1,274 |
| Loan loss allowance | $2,870,000 | 1,829 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $8,266,000 | 1,439 |
| Other real estate owned | $75,000 | 1,199 |
| Goodwill and other intangibles | $0 | 3,332 |
| All other assets | $10,124,000 | 1,707 |
| Life insurance assets | $2,007,000 | 2,197 |
| Total liabilities and capital | $463,978,000 | 1,400 |
| Total liabilities | $426,811,000 | 1,362 |
| Total deposits | $378,190,000 | 1,354 |
| Interest-bearing deposits | $353,333,000 | 1,240 |
| Deposits held in domestic offices | $378,190,000 | 1,349 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $130,000 | 3,476 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $46,423,000 | 975 |
| Subordinated debt | $0 | 269 |
| All other liabilities | $2,068,000 | 2,277 |
| Total equity capital | $37,167,000 | 1,775 |
| Total bank equity capital | $37,167,000 | 1,775 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $5,575,000 | 807 |
| Surplus | $16,725,000 | 1,607 |
| Undivided profits | $14,867,000 | 2,263 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $885,000 | 2,777 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,131 |
| Income earned, not collected on loans | $2,157,000 | 1,922 |
| Earning assets | $441,861,000 | 1,344 |
| Long-term assets (5+ years) | $123,545,000 | 887 |
| Average Assets, year-to-date | $427,603,750 | 1,474 |
| Average Assets, quarterly | $455,502,000 | 1,412 |
| Volatile liabilities | $175,410,000 | 909 |
| Insider loans | $10,069,000 | 668 |
| FHLB advances | $46,423,000 | 897 |
| Loans and leases held for sale | $6,510,000 | 320 |
| Unused loan commitments | $68,759,000 | 1,442 |
| Tier 1 (core) risk-based capital | $37,326,000 | 1,678 |
| Tier 2 risk-based capital | $2,893,000 | 1,758 |
| Total risk weighted assets | $372,722,000 | 1,284 |
| Total unused commitments | $68,759,000 | 1,442 |
| Derivatives | $13,284,000 | 470 |
| 2006-06-30 | Rank | |
| # of Employees: | 150 | 1,156 |
| Assets and Liabilities | ||
| Total Assets: | $447,026,000 | 1,441 |
| Cash and due from depository institutions | $4,181,000 | 1,156 |
| Interest-bearing balances | $61,000 | 5,357 |
| Securities | $68,689,000 | 1,746 |
| Federal funds sold & reverse repurchase agreements | $173,000 | 5,532 |
| Net loans & leases | $354,294,000 | 1,260 |
| Loan loss allowance | $2,580,000 | 1,981 |
| Trading account assets | $0 | 157 |
| Bank premises and fixed assets | $8,196,000 | 1,424 |
| Other real estate owned | $75,000 | 1,156 |
| Goodwill and other intangibles | $0 | 3,333 |
| All other assets | $11,418,000 | 1,551 |
| Life insurance assets | $1,986,000 | 2,165 |
| Total liabilities and capital | $447,026,000 | 1,441 |
| Total liabilities | $410,961,000 | 1,410 |
| Total deposits | $334,876,000 | 1,547 |
| Interest-bearing deposits | $312,673,000 | 1,403 |
| Deposits held in domestic offices | $334,876,000 | 1,543 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $282,000 | 3,467 |
| Trading liabilities | $0 | 73 |
| Other borrowed funds | $73,734,000 | 684 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $2,069,000 | 2,098 |
| Total equity capital | $36,065,000 | 1,762 |
| Total bank equity capital | $36,065,000 | 1,762 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $5,575,000 | 786 |
| Surplus | $16,725,000 | 1,565 |
| Undivided profits | $13,765,000 | 2,317 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $818,000 | 2,789 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,150 |
| Income earned, not collected on loans | $1,750,000 | 2,147 |
| Earning assets | $423,217,000 | 1,393 |
| Long-term assets (5+ years) | $127,576,000 | 846 |
| Average Assets, year-to-date | $415,479,000 | 1,515 |
| Average Assets, quarterly | $426,181,000 | 1,500 |
| Volatile liabilities | $180,570,000 | 870 |
| Insider loans | $10,991,000 | 611 |
| FHLB advances | $73,734,000 | 616 |
| Loans and leases held for sale | $9,702,000 | 268 |
| Unused loan commitments | $70,905,000 | 1,395 |
| Tier 1 (core) risk-based capital | $36,957,000 | 1,665 |
| Tier 2 risk-based capital | $2,596,000 | 1,899 |
| Total risk weighted assets | $362,765,000 | 1,305 |
| Total unused commitments | $70,905,000 | 1,396 |
| Derivatives | $15,420,000 | 439 |
| 2006-03-31 | Rank | |
| # of Employees: | 110 | 1,575 |
| Assets and Liabilities | ||
| Total Assets: | $405,336,000 | 1,575 |
| Cash and due from depository institutions | $5,879,000 | 1,575 |
| Interest-bearing balances | $594,000 | 3,056 |
| Securities | $62,861,000 | 1,928 |
| Federal funds sold & reverse repurchase agreements | $611,000 | 5,511 |
| Net loans & leases | $317,582,000 | 1,364 |
| Loan loss allowance | $2,279,000 | 2,175 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $8,007,000 | 1,406 |
| Other real estate owned | $75,000 | 1,575 |
| Goodwill and other intangibles | $0 | 3,321 |
| All other assets | $10,321,000 | 1,635 |
| Life insurance assets | $1,969,000 | 2,132 |
| Total liabilities and capital | $405,336,000 | 1,575 |
| Total liabilities | $370,972,000 | 1,547 |
| Total deposits | $305,618,000 | 1,676 |
| Interest-bearing deposits | $283,996,000 | 1,533 |
| Deposits held in domestic offices | $305,618,000 | 1,671 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $164,000 | 3,227 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $62,200,000 | 751 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $2,990,000 | 1,577 |
| Total equity capital | $34,364,000 | 1,833 |
| Total bank equity capital | $34,364,000 | 1,833 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $5,325,000 | 812 |
| Surplus | $15,975,000 | 1,565 |
| Undivided profits | $13,064,000 | 2,436 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,151,000 | 2,125 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,164 |
| Income earned, not collected on loans | $1,491,000 | 2,381 |
| Earning assets | $381,648,000 | 1,529 |
| Long-term assets (5+ years) | $120,510,000 | 876 |
| Average Assets, year-to-date | $399,705,500 | 1,595 |
| Average Assets, quarterly | $399,705,500 | 1,595 |
| Volatile liabilities | $131,789,000 | 1,091 |
| Insider loans | $12,120,000 | 540 |
| FHLB advances | $62,200,000 | 683 |
| Loans and leases held for sale | $12,343,000 | 217 |
| Unused loan commitments | $70,610,000 | 1,369 |
| Tier 1 (core) risk-based capital | $34,957,000 | 1,725 |
| Tier 2 risk-based capital | $2,296,000 | 2,064 |
| Total risk weighted assets | $325,847,000 | 1,419 |
| Total unused commitments | $70,610,000 | 1,369 |
| Derivatives | $15,502,000 | 422 |
| 2005-12-31 | Rank | |
| # of Employees: | 100 | 1,723 |
| Assets and Liabilities | ||
| Total Assets: | $394,075,000 | 1,616 |
| Cash and due from depository institutions | $12,514,000 | 1,723 |
| Interest-bearing balances | $555,000 | 3,227 |
| Securities | $58,048,000 | 2,073 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,145 |
| Net loans & leases | $305,539,000 | 1,409 |
| Loan loss allowance | $2,091,000 | 2,294 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $7,733,000 | 1,439 |
| Other real estate owned | $110,000 | 1,723 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $10,131,000 | 1,655 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $394,075,000 | 1,616 |
| Total liabilities | $360,642,000 | 1,573 |
| Total deposits | $294,497,000 | 1,705 |
| Interest-bearing deposits | $275,241,000 | 1,553 |
| Deposits held in domestic offices | $294,497,000 | 1,701 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $137,000 | 3,405 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $63,724,000 | 758 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $2,284,000 | 1,938 |
| Total equity capital | $33,433,000 | 1,858 |
| Total bank equity capital | $33,433,000 | 1,858 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $5,325,000 | 794 |
| Surplus | $15,975,000 | 1,543 |
| Undivided profits | $12,133,000 | 2,579 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $98,000 | 6,206 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $1,449,000 | 2,450 |
| Earning assets | $364,142,000 | 1,590 |
| Long-term assets (5+ years) | $124,147,000 | 832 |
| Average Assets, year-to-date | $324,636,400 | 1,833 |
| Average Assets, quarterly | $373,480,500 | 1,680 |
| Volatile liabilities | $134,330,000 | 1,058 |
| Insider loans | $12,159,000 | 510 |
| FHLB advances | $63,724,000 | 685 |
| Loans and leases held for sale | $16,940,000 | 193 |
| Unused loan commitments | $71,093,000 | 1,327 |
| Tier 1 (core) risk-based capital | $33,743,000 | 1,758 |
| Tier 2 risk-based capital | $2,091,000 | 2,201 |
| Total risk weighted assets | $319,858,000 | 1,420 |
| Total unused commitments | $71,093,000 | 1,327 |
| Derivatives | $15,584,000 | 392 |
| 2005-09-30 | Rank | |
| # of Employees: | 100 | 1,726 |
| Assets and Liabilities | ||
| Total Assets: | $352,886,000 | 1,763 |
| Cash and due from depository institutions | $9,126,000 | 1,726 |
| Interest-bearing balances | $742,000 | 3,012 |
| Securities | $52,549,000 | 2,227 |
| Federal funds sold & reverse repurchase agreements | $847,000 | 4,756 |
| Net loans & leases | $274,178,000 | 1,542 |
| Loan loss allowance | $1,960,000 | 2,406 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $5,896,000 | 1,849 |
| Other real estate owned | $110,000 | 1,726 |
| Goodwill and other intangibles | $0 | 3,310 |
| All other assets | $10,180,000 | 1,598 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $352,886,000 | 1,763 |
| Total liabilities | $322,829,000 | 1,735 |
| Total deposits | $263,878,000 | 1,853 |
| Interest-bearing deposits | $242,933,000 | 1,725 |
| Deposits held in domestic offices | $263,878,000 | 1,849 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $301,000 | 3,362 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $56,616,000 | 826 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $2,034,000 | 2,045 |
| Total equity capital | $30,057,000 | 2,054 |
| Total bank equity capital | $30,057,000 | 2,054 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $4,763,000 | 895 |
| Surplus | $14,288,000 | 1,647 |
| Undivided profits | $11,006,000 | 2,822 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 7,741 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $1,249,000 | 2,809 |
| Earning assets | $328,316,000 | 1,731 |
| Long-term assets (5+ years) | $113,927,000 | 904 |
| Average Assets, year-to-date | $307,276,750 | 1,925 |
| Average Assets, quarterly | $330,440,500 | 1,835 |
| Volatile liabilities | $122,175,000 | 1,106 |
| Insider loans | $14,557,000 | 381 |
| FHLB advances | $56,616,000 | 754 |
| Loans and leases held for sale | $13,054,000 | 236 |
| Unused loan commitments | $95,316,000 | 1,026 |
| Tier 1 (core) risk-based capital | $29,963,000 | 1,977 |
| Tier 2 risk-based capital | $1,960,000 | 2,306 |
| Total risk weighted assets | $298,554,000 | 1,491 |
| Total unused commitments | $95,316,000 | 1,028 |
| Derivatives | $15,666,000 | 395 |
| 2005-06-30 | Rank | |
| # of Employees: | 101 | 1,706 |
| Assets and Liabilities | ||
| Total Assets: | $307,995,000 | 1,956 |
| Cash and due from depository institutions | $6,496,000 | 1,706 |
| Interest-bearing balances | $849,000 | 2,918 |
| Securities | $47,935,000 | 2,448 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,776 |
| Net loans & leases | $240,251,000 | 1,704 |
| Loan loss allowance | $1,896,000 | 2,449 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $4,966,000 | 2,180 |
| Other real estate owned | $172,000 | 1,706 |
| Goodwill and other intangibles | $0 | 3,307 |
| All other assets | $8,175,000 | 1,873 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $307,995,000 | 1,956 |
| Total liabilities | $282,419,000 | 1,909 |
| Total deposits | $216,173,000 | 2,223 |
| Interest-bearing deposits | $197,951,000 | 2,047 |
| Deposits held in domestic offices | $216,173,000 | 2,218 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,991,000 | 2,067 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $61,504,000 | 776 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $1,751,000 | 2,174 |
| Total equity capital | $25,576,000 | 2,342 |
| Total bank equity capital | $25,576,000 | 2,342 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $4,013,000 | 1,029 |
| Surplus | $12,038,000 | 1,859 |
| Undivided profits | $9,525,000 | 3,151 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $45,000 | 6,872 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $1,029,000 | 3,069 |
| Earning assets | $289,035,000 | 1,891 |
| Long-term assets (5+ years) | $108,468,000 | 936 |
| Average Assets, year-to-date | $292,073,670 | 2,000 |
| Average Assets, quarterly | $298,766,500 | 1,988 |
| Volatile liabilities | $101,063,000 | 1,261 |
| Insider loans | $12,088,000 | 467 |
| FHLB advances | $61,504,000 | 711 |
| Loans and leases held for sale | $17,074,000 | 204 |
| Unused loan commitments | $85,521,000 | 1,082 |
| Tier 1 (core) risk-based capital | $25,298,000 | 2,264 |
| Tier 2 risk-based capital | $1,896,000 | 2,336 |
| Total risk weighted assets | $255,786,000 | 1,682 |
| Total unused commitments | $85,521,000 | 1,082 |
| Derivatives | $9,672,000 | 443 |
| 2005-03-31 | Rank | |
| # of Employees: | 99 | 1,727 |
| Assets and Liabilities | ||
| Total Assets: | $289,538,000 | 2,030 |
| Cash and due from depository institutions | $4,941,000 | 1,727 |
| Interest-bearing balances | $748,000 | 3,004 |
| Securities | $49,664,000 | 2,399 |
| Federal funds sold & reverse repurchase agreements | $1,625,000 | 4,360 |
| Net loans & leases | $220,519,000 | 1,800 |
| Loan loss allowance | $1,684,000 | 2,687 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $4,914,000 | 2,169 |
| Other real estate owned | $0 | 1,727 |
| Goodwill and other intangibles | $0 | 3,297 |
| All other assets | $7,875,000 | 1,907 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $289,538,000 | 2,030 |
| Total liabilities | $266,577,000 | 1,984 |
| Total deposits | $211,971,000 | 2,251 |
| Interest-bearing deposits | $197,291,000 | 2,045 |
| Deposits held in domestic offices | $211,971,000 | 2,245 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $294,000 | 3,084 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $52,125,000 | 848 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $2,187,000 | 1,826 |
| Total equity capital | $22,961,000 | 2,500 |
| Total bank equity capital | $22,961,000 | 2,500 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $3,762,000 | 1,101 |
| Surplus | $11,288,000 | 1,903 |
| Undivided profits | $7,911,000 | 3,492 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,000 | 7,695 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $1,022,000 | 3,007 |
| Earning assets | $272,556,000 | 1,979 |
| Long-term assets (5+ years) | $113,431,000 | 915 |
| Average Assets, year-to-date | $284,113,000 | 2,048 |
| Average Assets, quarterly | $284,113,000 | 2,048 |
| Volatile liabilities | $93,384,000 | 1,302 |
| Insider loans | $14,460,000 | 351 |
| FHLB advances | $52,125,000 | 776 |
| Loans and leases held for sale | $16,032,000 | 199 |
| Unused loan commitments | $62,174,000 | 1,375 |
| Tier 1 (core) risk-based capital | $22,972,000 | 2,432 |
| Tier 2 risk-based capital | $1,684,000 | 2,523 |
| Total risk weighted assets | $224,249,000 | 1,850 |
| Total unused commitments | $62,174,000 | 1,375 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 95 | 1,790 |
| Assets and Liabilities | ||
| Total Assets: | $278,688,000 | 2,078 |
| Cash and due from depository institutions | $4,586,000 | 1,790 |
| Interest-bearing balances | $895,000 | 2,916 |
| Securities | $48,813,000 | 2,453 |
| Federal funds sold & reverse repurchase agreements | $2,608,000 | 3,471 |
| Net loans & leases | $211,003,000 | 1,850 |
| Loan loss allowance | $1,566,000 | 2,831 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $4,910,000 | 2,142 |
| Other real estate owned | $0 | 1,790 |
| Goodwill and other intangibles | $0 | 3,293 |
| All other assets | $6,768,000 | 2,106 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $278,688,000 | 2,078 |
| Total liabilities | $256,580,000 | 2,041 |
| Total deposits | $205,696,000 | 2,297 |
| Interest-bearing deposits | $190,559,000 | 2,071 |
| Deposits held in domestic offices | $205,696,000 | 2,292 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $142,000 | 3,370 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $49,203,000 | 919 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $1,539,000 | 2,348 |
| Total equity capital | $22,108,000 | 2,599 |
| Total bank equity capital | $22,108,000 | 2,599 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $3,638,000 | 1,120 |
| Surplus | $10,912,000 | 1,932 |
| Undivided profits | $7,558,000 | 3,656 |
| 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 | $923,000 | 3,277 |
| Earning assets | $263,319,000 | 2,038 |
| Long-term assets (5+ years) | $113,202,000 | 920 |
| Average Assets, year-to-date | $250,296,000 | 2,232 |
| Average Assets, quarterly | $271,548,500 | 2,119 |
| Volatile liabilities | $92,268,000 | 1,288 |
| Insider loans | $8,807,000 | 647 |
| FHLB advances | $49,203,000 | 834 |
| Loans and leases held for sale | $14,274,000 | 212 |
| Unused loan commitments | $43,463,000 | 1,784 |
| Tier 1 (core) risk-based capital | $21,687,000 | 2,531 |
| Tier 2 risk-based capital | $1,566,000 | 2,664 |
| Total risk weighted assets | $217,995,000 | 1,873 |
| Total unused commitments | $43,463,000 | 1,785 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 88 | 1,940 |
| Assets and Liabilities | ||
| Total Assets: | $264,409,000 | 2,179 |
| Cash and due from depository institutions | $5,221,000 | 1,940 |
| Interest-bearing balances | $1,082,000 | 2,776 |
| Securities | $47,031,000 | 2,534 |
| Federal funds sold & reverse repurchase agreements | $225,000 | 5,537 |
| Net loans & leases | $201,768,000 | 1,895 |
| Loan loss allowance | $1,468,000 | 2,998 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $4,495,000 | 2,271 |
| Other real estate owned | $256,000 | 1,940 |
| Goodwill and other intangibles | $0 | 3,268 |
| All other assets | $5,413,000 | 2,462 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $264,409,000 | 2,179 |
| Total liabilities | $242,758,000 | 2,125 |
| Total deposits | $214,179,000 | 2,166 |
| Interest-bearing deposits | $200,806,000 | 1,945 |
| Deposits held in domestic offices | $214,179,000 | 2,158 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $87,000 | 3,597 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $27,241,000 | 1,401 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $1,251,000 | 2,727 |
| Total equity capital | $21,651,000 | 2,649 |
| Total bank equity capital | $21,651,000 | 2,649 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $3,638,000 | 1,104 |
| Surplus | $10,912,000 | 1,896 |
| Undivided profits | $7,101,000 | 3,842 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $87,000 | 6,661 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $926,000 | 3,370 |
| Earning assets | $250,106,000 | 2,110 |
| Long-term assets (5+ years) | $102,304,000 | 1,033 |
| Average Assets, year-to-date | $243,198,000 | 2,283 |
| Average Assets, quarterly | $258,841,500 | 2,194 |
| Volatile liabilities | $69,407,000 | 1,586 |
| Insider loans | $8,010,000 | 707 |
| FHLB advances | $27,241,000 | 1,298 |
| Loans and leases held for sale | $12,097,000 | 228 |
| Unused loan commitments | $39,515,000 | 1,897 |
| Tier 1 (core) risk-based capital | $21,052,000 | 2,578 |
| Tier 2 risk-based capital | $1,468,000 | 2,770 |
| Total risk weighted assets | $200,189,000 | 1,979 |
| Total unused commitments | $39,515,000 | 1,900 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 82 | 2,082 |
| Assets and Liabilities | ||
| Total Assets: | $253,274,000 | 2,249 |
| Cash and due from depository institutions | $6,703,000 | 2,082 |
| Interest-bearing balances | $1,129,000 | 2,711 |
| Securities | $49,955,000 | 2,443 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,884 |
| Net loans & leases | $187,129,000 | 1,976 |
| Loan loss allowance | $1,381,000 | 3,142 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $4,304,000 | 2,334 |
| Other real estate owned | $0 | 2,082 |
| Goodwill and other intangibles | $0 | 3,275 |
| All other assets | $5,183,000 | 2,559 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $253,274,000 | 2,249 |
| Total liabilities | $234,648,000 | 2,183 |
| Total deposits | $215,200,000 | 2,119 |
| Interest-bearing deposits | $201,097,000 | 1,919 |
| Deposits held in domestic offices | $215,200,000 | 2,113 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $342,000 | 3,398 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $17,962,000 | 1,826 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $1,144,000 | 2,672 |
| Total equity capital | $18,626,000 | 2,892 |
| Total bank equity capital | $18,626,000 | 2,892 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $3,450,000 | 1,164 |
| Surplus | $10,350,000 | 1,917 |
| Undivided profits | $4,826,000 | 4,599 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,017 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $872,000 | 3,335 |
| Earning assets | $238,213,000 | 2,191 |
| Long-term assets (5+ years) | $108,179,000 | 1,010 |
| Average Assets, year-to-date | $236,127,670 | 2,357 |
| Average Assets, quarterly | $244,058,000 | 2,298 |
| Volatile liabilities | $59,462,000 | 1,762 |
| Insider loans | $6,952,000 | 812 |
| FHLB advances | $17,962,000 | 1,718 |
| Loans and leases held for sale | $15,607,000 | 211 |
| Unused loan commitments | $34,780,000 | 2,059 |
| Tier 1 (core) risk-based capital | $18,696,000 | 2,815 |
| Tier 2 risk-based capital | $1,381,000 | 2,896 |
| Total risk weighted assets | $197,674,000 | 1,963 |
| Total unused commitments | $34,780,000 | 2,063 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 77 | 2,222 |
| Assets and Liabilities | ||
| Total Assets: | $234,842,000 | 2,397 |
| Cash and due from depository institutions | $3,505,000 | 2,222 |
| Interest-bearing balances | $1,053,000 | 3,008 |
| Securities | $59,303,000 | 2,083 |
| Federal funds sold & reverse repurchase agreements | $850,000 | 5,777 |
| Net loans & leases | $162,866,000 | 2,212 |
| Loan loss allowance | $1,309,000 | 3,232 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $4,222,000 | 2,348 |
| Other real estate owned | $0 | 2,222 |
| Goodwill and other intangibles | $0 | 3,256 |
| All other assets | $4,096,000 | 2,893 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $234,842,000 | 2,397 |
| Total liabilities | $217,080,000 | 2,330 |
| Total deposits | $212,583,000 | 2,125 |
| Interest-bearing deposits | $201,100,000 | 1,920 |
| Deposits held in domestic offices | $212,583,000 | 2,120 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $246,000 | 2,978 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $2,711,000 | 4,124 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $1,540,000 | 2,373 |
| Total equity capital | $17,762,000 | 3,075 |
| Total bank equity capital | $17,762,000 | 3,075 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $3,200,000 | 1,210 |
| Surplus | $9,600,000 | 2,029 |
| Undivided profits | $4,962,000 | 4,702 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $21,000 | 7,640 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $963,000 | 3,007 |
| Earning assets | $224,072,000 | 2,310 |
| Long-term assets (5+ years) | $96,304,000 | 1,083 |
| Average Assets, year-to-date | $227,554,500 | 2,435 |
| Average Assets, quarterly | $227,554,500 | 2,435 |
| Volatile liabilities | $49,947,000 | 1,975 |
| Insider loans | $6,468,000 | 852 |
| FHLB advances | $2,711,000 | 3,972 |
| Loans and leases held for sale | $9,596,000 | 280 |
| Unused loan commitments | $32,775,000 | 2,078 |
| Tier 1 (core) risk-based capital | $16,747,000 | 3,092 |
| Tier 2 risk-based capital | $1,309,000 | 2,997 |
| Total risk weighted assets | $177,311,000 | 2,122 |
| Total unused commitments | $32,775,000 | 2,083 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 64 | 2,692 |
| Assets and Liabilities | ||
| Total Assets: | $220,267,000 | 2,539 |
| Cash and due from depository institutions | $3,769,000 | 2,692 |
| Interest-bearing balances | $1,055,000 | 2,874 |
| Securities | $67,641,000 | 1,908 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,359 |
| Net loans & leases | $140,928,000 | 2,518 |
| Loan loss allowance | $1,251,000 | 3,333 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $4,215,000 | 2,341 |
| Other real estate owned | $0 | 2,692 |
| Goodwill and other intangibles | $0 | 3,237 |
| All other assets | $3,714,000 | 3,112 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $220,267,000 | 2,539 |
| Total liabilities | $204,084,000 | 2,468 |
| Total deposits | $194,740,000 | 2,325 |
| Interest-bearing deposits | $184,506,000 | 2,092 |
| Deposits held in domestic offices | $194,740,000 | 2,320 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,384,000 | 2,506 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $6,932,000 | 2,961 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $1,028,000 | 3,041 |
| Total equity capital | $16,183,000 | 3,292 |
| Total bank equity capital | $16,183,000 | 3,292 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $3,075,000 | 1,257 |
| Surplus | $9,225,000 | 2,084 |
| Undivided profits | $3,883,000 | 5,236 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $22,000 | 7,694 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $948,000 | 3,146 |
| Earning assets | $209,624,000 | 2,446 |
| Long-term assets (5+ years) | $88,207,000 | 1,203 |
| Average Assets, year-to-date | $196,211,000 | 2,728 |
| Average Assets, quarterly | $212,378,500 | 2,601 |
| Volatile liabilities | $43,764,000 | 2,191 |
| Insider loans | $7,384,000 | 718 |
| FHLB advances | $6,932,000 | 2,820 |
| Loans and leases held for sale | $6,353,000 | 332 |
| Unused loan commitments | $30,757,000 | 2,110 |
| Tier 1 (core) risk-based capital | $15,399,000 | 3,301 |
| Tier 2 risk-based capital | $1,251,000 | 3,094 |
| Total risk weighted assets | $159,751,000 | 2,327 |
| Total unused commitments | $30,757,000 | 2,113 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 49 | 3,447 |
| Assets and Liabilities | ||
| Total Assets: | $204,490,000 | 2,719 |
| Cash and due from depository institutions | $6,238,000 | 3,447 |
| Interest-bearing balances | $1,228,000 | 2,872 |
| Securities | $68,347,000 | 1,863 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,602 |
| Net loans & leases | $124,080,000 | 2,771 |
| Loan loss allowance | $1,188,000 | 3,470 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $2,655,000 | 3,437 |
| Other real estate owned | $0 | 3,447 |
| Goodwill and other intangibles | $0 | 3,226 |
| All other assets | $3,170,000 | 3,510 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $204,490,000 | 2,719 |
| Total liabilities | $188,959,000 | 2,634 |
| Total deposits | $184,610,000 | 2,441 |
| Interest-bearing deposits | $172,520,000 | 2,236 |
| Deposits held in domestic offices | $184,610,000 | 2,436 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,836,000 | 2,240 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $1,704,000 | 4,551 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $809,000 | 3,707 |
| Total equity capital | $15,531,000 | 3,409 |
| Total bank equity capital | $15,531,000 | 3,409 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $3,075,000 | 1,254 |
| Surplus | $9,225,000 | 2,053 |
| Undivided profits | $3,231,000 | 5,698 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $33,000 | 7,700 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $728,000 | 4,181 |
| Earning assets | $193,655,000 | 2,620 |
| Long-term assets (5+ years) | $78,483,000 | 1,340 |
| Average Assets, year-to-date | $190,197,000 | 2,804 |
| Average Assets, quarterly | $199,957,500 | 2,756 |
| Volatile liabilities | $38,027,000 | 2,410 |
| Insider loans | $3,914,000 | 1,412 |
| FHLB advances | $1,704,000 | 4,351 |
| Loans and leases held for sale | $709,000 | 1,288 |
| Unused loan commitments | $25,164,000 | 2,434 |
| Tier 1 (core) risk-based capital | $14,836,000 | 3,392 |
| Tier 2 risk-based capital | $1,188,000 | 3,204 |
| Total risk weighted assets | $144,044,000 | 2,535 |
| Total unused commitments | $25,164,000 | 2,437 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 34 | 4,624 |
| Assets and Liabilities | ||
| Total Assets: | $195,425,000 | 2,801 |
| Cash and due from depository institutions | $4,022,000 | 4,624 |
| Interest-bearing balances | $1,243,000 | 2,997 |
| Securities | $65,139,000 | 1,906 |
| Federal funds sold & reverse repurchase agreements | $1,426,000 | 5,330 |
| Net loans & leases | $119,261,000 | 2,840 |
| Loan loss allowance | $1,112,000 | 3,606 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $2,472,000 | 3,611 |
| Other real estate owned | $0 | 4,624 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $3,105,000 | 3,423 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $195,425,000 | 2,801 |
| Total liabilities | $180,933,000 | 2,725 |
| Total deposits | $178,177,000 | 2,502 |
| Interest-bearing deposits | $166,467,000 | 2,293 |
| Deposits held in domestic offices | $178,177,000 | 2,497 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,266 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $1,724,000 | 4,511 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $1,032,000 | 3,240 |
| Total equity capital | $14,492,000 | 3,628 |
| Total bank equity capital | $14,492,000 | 3,628 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $2,700,000 | 1,437 |
| Surplus | $8,100,000 | 2,252 |
| Undivided profits | $3,692,000 | 5,419 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $30,000 | 7,731 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $970,000 | 3,089 |
| Earning assets | $187,069,000 | 2,685 |
| Long-term assets (5+ years) | $60,874,000 | 1,570 |
| Average Assets, year-to-date | $185,432,670 | 2,861 |
| Average Assets, quarterly | $189,439,500 | 2,836 |
| Volatile liabilities | $33,955,000 | 2,598 |
| Insider loans | $2,641,000 | 2,054 |
| FHLB advances | $1,724,000 | 4,294 |
| Loans and leases held for sale | $5,573,000 | 662 |
| Unused loan commitments | $22,359,000 | 2,607 |
| Tier 1 (core) risk-based capital | $13,072,000 | 3,742 |
| Tier 2 risk-based capital | $1,112,000 | 3,332 |
| Total risk weighted assets | $136,571,000 | 2,630 |
| Total unused commitments | $22,359,000 | 2,615 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 32 | 4,788 |
| Assets and Liabilities | ||
| Total Assets: | $183,454,000 | 2,916 |
| Cash and due from depository institutions | $4,749,000 | 4,788 |
| Interest-bearing balances | $1,242,000 | 2,978 |
| Securities | $66,094,000 | 1,851 |
| Federal funds sold & reverse repurchase agreements | $1,439,000 | 5,811 |
| Net loans & leases | $105,787,000 | 3,082 |
| Loan loss allowance | $1,041,000 | 3,734 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $2,326,000 | 3,735 |
| Other real estate owned | $0 | 4,788 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $3,059,000 | 3,411 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $183,454,000 | 2,916 |
| Total liabilities | $169,744,000 | 2,840 |
| Total deposits | $166,842,000 | 2,650 |
| Interest-bearing deposits | $158,667,000 | 2,404 |
| Deposits held in domestic offices | $166,842,000 | 2,647 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,057 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $1,745,000 | 4,433 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $1,157,000 | 3,016 |
| Total equity capital | $13,710,000 | 3,733 |
| Total bank equity capital | $13,710,000 | 3,733 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $2,700,000 | 1,442 |
| Surplus | $8,100,000 | 2,219 |
| Undivided profits | $2,910,000 | 5,905 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,000 | 8,201 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $947,000 | 3,218 |
| Earning assets | $174,562,000 | 2,806 |
| Long-term assets (5+ years) | $49,597,000 | 1,766 |
| Average Assets, year-to-date | $180,436,500 | 2,925 |
| Average Assets, quarterly | $180,436,500 | 2,925 |
| Volatile liabilities | $30,524,000 | 2,765 |
| Insider loans | $4,099,000 | 1,310 |
| FHLB advances | $1,745,000 | 4,250 |
| Loans and leases held for sale | $2,083,000 | 991 |
| Unused loan commitments | $22,314,000 | 2,515 |
| Tier 1 (core) risk-based capital | $12,785,000 | 3,748 |
| Tier 2 risk-based capital | $1,041,000 | 3,443 |
| Total risk weighted assets | $126,313,000 | 2,799 |
| Total unused commitments | $22,314,000 | 2,523 |
| Derivatives | $192,000 | 554 |
| 2002-12-31 | Rank | |
| # of Employees: | 29 | 5,143 |
| Assets and Liabilities | ||
| Total Assets: | $177,419,000 | 2,958 |
| Cash and due from depository institutions | $2,857,000 | 5,143 |
| Interest-bearing balances | $707,000 | 3,427 |
| Securities | $72,742,000 | 1,689 |
| Federal funds sold & reverse repurchase agreements | $2,295,000 | 4,569 |
| Net loans & leases | $94,334,000 | 3,412 |
| Loan loss allowance | $968,000 | 3,897 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $2,316,000 | 3,710 |
| Other real estate owned | $0 | 5,143 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $2,875,000 | 3,596 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $177,419,000 | 2,958 |
| Total liabilities | $164,540,000 | 2,868 |
| Total deposits | $161,742,000 | 2,678 |
| Interest-bearing deposits | $152,970,000 | 2,428 |
| Deposits held in domestic offices | $161,742,000 | 2,675 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,222 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $1,765,000 | 4,495 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $1,033,000 | 3,318 |
| Total equity capital | $12,879,000 | 3,894 |
| Total bank equity capital | $12,879,000 | 3,894 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $2,550,000 | 1,498 |
| Surplus | $7,650,000 | 2,291 |
| Undivided profits | $2,679,000 | 6,104 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,000 | 8,183 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $1,049,000 | 3,068 |
| Earning assets | $170,078,000 | 2,824 |
| Long-term assets (5+ years) | $52,637,000 | 1,651 |
| Average Assets, year-to-date | $148,546,400 | 3,279 |
| Average Assets, quarterly | $174,996,000 | 2,966 |
| Volatile liabilities | $26,936,000 | 3,040 |
| Insider loans | $2,973,000 | 1,783 |
| FHLB advances | $1,765,000 | 4,260 |
| Loans and leases held for sale | $907,000 | 1,382 |
| Unused loan commitments | $19,126,000 | 2,717 |
| Tier 1 (core) risk-based capital | $11,848,000 | 3,938 |
| Tier 2 risk-based capital | $968,000 | 3,619 |
| Total risk weighted assets | $116,260,000 | 2,966 |
| Total unused commitments | $19,126,000 | 2,723 |
| Derivatives | $192,000 | 504 |
| 2001-12-31 | Rank | |
| # of Employees: | 24 | 5,812 |
| Assets and Liabilities | ||
| Total Assets: | $125,464,000 | 3,809 |
| Cash and due from depository institutions | $5,256,000 | 5,812 |
| Interest-bearing balances | $757,000 | 3,290 |
| Securities | $56,857,000 | 1,962 |
| Federal funds sold & reverse repurchase agreements | $1,697,000 | 5,113 |
| Net loans & leases | $57,817,000 | 4,795 |
| Loan loss allowance | $408,000 | 6,495 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $2,034,000 | 3,990 |
| Other real estate owned | $0 | 5,812 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $1,803,000 | 4,814 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $125,464,000 | 3,809 |
| Total liabilities | $114,915,000 | 3,750 |
| Total deposits | $113,363,000 | 3,521 |
| Interest-bearing deposits | $108,455,000 | 3,163 |
| Deposits held in domestic offices | $113,363,000 | 3,516 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $515,000 | 2,952 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,675 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $1,037,000 | 3,371 |
| Total equity capital | $10,549,000 | 4,313 |
| Total bank equity capital | $10,549,000 | 4,313 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $2,375,000 | 1,644 |
| Surplus | $7,125,000 | 2,316 |
| Undivided profits | $1,049,000 | 7,528 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $6,000 | 8,371 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $848,000 | 4,005 |
| Earning assets | $117,128,000 | 3,742 |
| Long-term assets (5+ years) | $38,611,000 | 2,070 |
| Average Assets, year-to-date | $104,641,600 | 4,243 |
| Average Assets, quarterly | $121,858,000 | 3,868 |
| Volatile liabilities | $18,903,000 | 3,838 |
| Insider loans | $198,000 | 6,961 |
| FHLB advances | $0 | 4,938 |
| Loans and leases held for sale | $1,513,000 | 1,013 |
| Unused loan commitments | $14,943,000 | 3,047 |
| Tier 1 (core) risk-based capital | $9,978,000 | 4,362 |
| Tier 2 risk-based capital | $408,000 | 6,174 |
| Total risk weighted assets | $75,817,000 | 4,057 |
| Total unused commitments | $14,943,000 | 3,056 |
| Derivatives | $192,000 | 429 |
| 2000-12-31 | Rank | |
| # of Employees: | 15 | 7,445 |
| Assets and Liabilities | ||
| Total Assets: | $83,719,000 | 5,037 |
| Cash and due from depository institutions | $975,000 | 7,445 |
| Interest-bearing balances | $92,000 | 4,949 |
| Securities | $57,993,000 | 1,891 |
| Federal funds sold & reverse repurchase agreements | $413,000 | 6,306 |
| Net loans & leases | $20,967,000 | 7,791 |
| Loan loss allowance | $116,000 | 9,093 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $1,918,000 | 4,126 |
| Other real estate owned | $0 | 7,445 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $1,453,000 | 4,961 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $83,719,000 | 5,037 |
| Total liabilities | $76,887,000 | 4,980 |
| Total deposits | $74,028,000 | 4,806 |
| Interest-bearing deposits | $73,209,000 | 4,319 |
| Deposits held in domestic offices | $74,028,000 | 4,800 |
| % 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 | $2,859,000 | 1,539 |
| Total equity capital | $6,832,000 | 5,883 |
| Total bank equity capital | $6,832,000 | 5,883 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $1,625,000 | 2,226 |
| Surplus | $4,875,000 | 3,109 |
| Undivided profits | $332,000 | 8,545 |
| 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 | $100,000 | 9,084 |
| Earning assets | $79,465,000 | 4,930 |
| Long-term assets (5+ years) | $33,246,000 | 2,209 |
| Average Assets, year-to-date | $60,174,800 | 6,025 |
| Average Assets, quarterly | $76,427,000 | 5,297 |
| Volatile liabilities | $13,088,000 | 4,877 |
| Insider loans | $50,000 | 8,310 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $1,461,000 | 7,828 |
| Tier 1 (core) risk-based capital | $6,405,000 | 5,990 |
| Tier 2 risk-based capital | $116,000 | 9,008 |
| Total risk weighted assets | $38,656,800 | 6,195 |
| Total unused commitments | $1,461,000 | 7,831 |
| Derivatives | $192,000 | 464 |
| 1999-12-31 | Rank | |
| # of Employees: | 7 | 9,522 |
| Assets and Liabilities | ||
| Total Assets: | $36,386,000 | 7,943 |
| Cash and due from depository institutions | $639,000 | 9,522 |
| Interest-bearing balances | $2,000 | 6,730 |
| Securities | $23,862,000 | 4,272 |
| Federal funds sold & reverse repurchase agreements | $1,122,000 | 4,742 |
| Net loans & leases | $9,669,000 | 9,360 |
| Loan loss allowance | $30,000 | 10,016 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $470,000 | 7,826 |
| Other real estate owned | $0 | 9,522 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $624,000 | 7,651 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $36,386,000 | 7,943 |
| Total liabilities | $32,842,000 | 7,904 |
| Total deposits | $32,678,000 | 7,739 |
| Interest-bearing deposits | $32,321,000 | 7,247 |
| Deposits held in domestic offices | $32,678,000 | 7,737 |
| % 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 | $164,000 | 8,559 |
| Total equity capital | $3,544,000 | 8,197 |
| Total bank equity capital | $3,544,000 | 8,197 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $1,000,000 | 3,047 |
| Surplus | $3,000,000 | 4,301 |
| Undivided profits | $-456,000 | 9,585 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 9,001 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $41,000 | 9,780 |
| Earning assets | $34,655,000 | 7,799 |
| Long-term assets (5+ years) | $18,861,000 | 3,427 |
| Average Assets, year-to-date | $26,790,330 | 8,654 |
| Average Assets, quarterly | $33,045,500 | 8,202 |
| Volatile liabilities | $5,193,000 | 7,240 |
| Insider loans | $0 | 9,133 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $10,000 | 9,875 |
| Tier 1 (core) risk-based capital | $3,896,000 | 7,907 |
| Tier 2 risk-based capital | $30,000 | 9,999 |
| Total risk weighted assets | $15,622,700 | 8,788 |
| Total unused commitments | $10,000 | 9,876 |
| Derivatives | $0 | 488 |