Home > Somerset National Bank > Assets and Liabilities
Somerset National Bank, Assets and Liabilities
| 2007-09-30 | Rank | |
| # of Employees: | 66 | 2,609 |
| Assets and Liabilities | ||
| Total Assets: | $179,677,000 | 3,393 |
| Cash and due from depository institutions | $4,807,000 | 2,609 |
| Interest-bearing balances | $39,000 | 5,479 |
| Securities | $21,855,000 | 4,244 |
| Federal funds sold & reverse repurchase agreements | $679,000 | 5,325 |
| Net loans & leases | $143,911,000 | 2,950 |
| Loan loss allowance | $1,576,000 | 3,041 |
| Trading account assets | $0 | 244 |
| Bank premises and fixed assets | $6,380,000 | 1,974 |
| Other real estate owned | $0 | 2,609 |
| Goodwill and other intangibles | $0 | 3,301 |
| All other assets | $2,045,000 | 5,223 |
| Life insurance assets | $0 | 4,026 |
| Total liabilities and capital | $179,677,000 | 3,393 |
| Total liabilities | $163,398,000 | 3,338 |
| Total deposits | $159,620,000 | 3,132 |
| Interest-bearing deposits | $143,983,000 | 2,988 |
| Deposits held in domestic offices | $159,620,000 | 3,129 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,436 |
| Trading liabilities | $0 | 78 |
| Other borrowed funds | $2,000,000 | 4,403 |
| Subordinated debt | $0 | 244 |
| All other liabilities | $1,778,000 | 2,743 |
| Total equity capital | $16,279,000 | 3,911 |
| Total bank equity capital | $16,279,000 | 3,911 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $4,928,000 | 1,011 |
| Surplus | $4,928,000 | 4,035 |
| Undivided profits | $6,423,000 | 4,135 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $334,000 | 4,961 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,109 |
| Income earned, not collected on loans | $1,031,000 | 4,122 |
| Earning assets | $166,484,000 | 3,371 |
| Long-term assets (5+ years) | $60,197,000 | 1,693 |
| Average Assets, year-to-date | $175,091,750 | 3,386 |
| Average Assets, quarterly | $176,948,000 | 3,411 |
| Volatile liabilities | $22,187,000 | 4,483 |
| Insider loans | $4,760,000 | 1,555 |
| FHLB advances | $2,000,000 | 4,193 |
| Loans and leases held for sale | $0 | 1,751 |
| Unused loan commitments | $21,509,000 | 3,270 |
| Tier 1 (core) risk-based capital | $16,346,000 | 3,804 |
| Tier 2 risk-based capital | $1,576,000 | 2,924 |
| Total risk weighted assets | $135,516,000 | 3,264 |
| Total unused commitments | $21,509,000 | 3,270 |
| Derivatives | $0 | 1,033 |
| 2007-06-30 | Rank | |
| # of Employees: | 74 | 2,370 |
| Assets and Liabilities | ||
| Total Assets: | $174,219,000 | 3,465 |
| Cash and due from depository institutions | $4,218,000 | 2,370 |
| Interest-bearing balances | $31,000 | 5,712 |
| Securities | $22,929,000 | 4,104 |
| Federal funds sold & reverse repurchase agreements | $2,934,000 | 3,630 |
| Net loans & leases | $135,678,000 | 3,097 |
| Loan loss allowance | $1,585,000 | 3,026 |
| Trading account assets | $0 | 245 |
| Bank premises and fixed assets | $6,447,000 | 1,943 |
| Other real estate owned | $40,000 | 2,370 |
| Goodwill and other intangibles | $0 | 3,329 |
| All other assets | $1,973,000 | 5,264 |
| Life insurance assets | $0 | 4,058 |
| Total liabilities and capital | $174,219,000 | 3,465 |
| Total liabilities | $158,515,000 | 3,418 |
| Total deposits | $156,830,000 | 3,198 |
| Interest-bearing deposits | $143,390,000 | 3,018 |
| Deposits held in domestic offices | $156,830,000 | 3,196 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,401 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,494 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $1,685,000 | 2,682 |
| Total equity capital | $15,704,000 | 3,963 |
| Total bank equity capital | $15,704,000 | 3,963 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $4,928,000 | 998 |
| Surplus | $4,928,000 | 4,038 |
| Undivided profits | $5,848,000 | 4,296 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $818,000 | 3,263 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $394,000 | 387 |
| Income earned, not collected on loans | $948,000 | 4,156 |
| Earning assets | $161,572,000 | 3,440 |
| Long-term assets (5+ years) | $58,314,000 | 1,700 |
| Average Assets, year-to-date | $173,563,330 | 3,438 |
| Average Assets, quarterly | $173,952,500 | 3,450 |
| Volatile liabilities | $20,185,000 | 4,667 |
| Insider loans | $4,409,000 | 1,681 |
| FHLB advances | $0 | 5,027 |
| Loans and leases held for sale | $0 | 1,802 |
| Unused loan commitments | $18,878,000 | 3,529 |
| Tier 1 (core) risk-based capital | $15,984,000 | 3,845 |
| Tier 2 risk-based capital | $1,585,000 | 2,914 |
| Total risk weighted assets | $128,862,000 | 3,382 |
| Total unused commitments | $18,878,000 | 3,529 |
| Derivatives | $0 | 1,067 |
| 2007-03-31 | Rank | |
| # of Employees: | 79 | 2,205 |
| Assets and Liabilities | ||
| Total Assets: | $173,686,000 | 3,480 |
| Cash and due from depository institutions | $3,983,000 | 2,205 |
| Interest-bearing balances | $20,000 | 5,999 |
| Securities | $20,440,000 | 4,439 |
| Federal funds sold & reverse repurchase agreements | $3,468,000 | 4,097 |
| Net loans & leases | $137,284,000 | 3,042 |
| Loan loss allowance | $1,610,000 | 2,989 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $6,480,000 | 1,901 |
| Other real estate owned | $49,000 | 2,205 |
| Goodwill and other intangibles | $0 | 3,322 |
| All other assets | $1,982,000 | 5,158 |
| Life insurance assets | $0 | 4,074 |
| Total liabilities and capital | $173,686,000 | 3,480 |
| Total liabilities | $158,214,000 | 3,437 |
| Total deposits | $156,732,000 | 3,209 |
| Interest-bearing deposits | $143,364,000 | 3,008 |
| Deposits held in domestic offices | $156,732,000 | 3,207 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,056 |
| Trading liabilities | $0 | 89 |
| Other borrowed funds | $0 | 5,479 |
| Subordinated debt | $0 | 262 |
| All other liabilities | $1,482,000 | 3,010 |
| Total equity capital | $15,472,000 | 4,021 |
| Total bank equity capital | $15,472,000 | 4,021 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $4,928,000 | 982 |
| Surplus | $4,928,000 | 3,999 |
| Undivided profits | $5,616,000 | 4,443 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,030,000 | 2,743 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $737,000 | 242 |
| Income earned, not collected on loans | $864,000 | 4,304 |
| Earning assets | $161,212,000 | 3,450 |
| Long-term assets (5+ years) | $58,351,000 | 1,674 |
| Average Assets, year-to-date | $173,235,500 | 3,462 |
| Average Assets, quarterly | $173,235,500 | 3,462 |
| Volatile liabilities | $21,876,000 | 4,408 |
| Insider loans | $4,725,000 | 1,514 |
| FHLB advances | $0 | 5,010 |
| Loans and leases held for sale | $0 | 1,800 |
| Unused loan commitments | $21,937,000 | 3,184 |
| Tier 1 (core) risk-based capital | $15,646,000 | 3,880 |
| Tier 2 risk-based capital | $1,581,000 | 2,895 |
| Total risk weighted assets | $126,478,000 | 3,400 |
| Total unused commitments | $21,937,000 | 3,184 |
| Derivatives | $0 | 1,065 |
| 2006-12-31 | Rank | |
| # of Employees: | 83 | 2,105 |
| Assets and Liabilities | ||
| Total Assets: | $172,785,000 | 3,455 |
| Cash and due from depository institutions | $4,462,000 | 2,105 |
| Interest-bearing balances | $11,000 | 6,235 |
| Securities | $21,404,000 | 4,350 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,403 |
| Net loans & leases | $138,344,000 | 2,992 |
| Loan loss allowance | $1,623,000 | 2,939 |
| Trading account assets | $0 | 156 |
| Bank premises and fixed assets | $6,593,000 | 1,843 |
| Other real estate owned | $49,000 | 2,105 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $1,933,000 | 5,272 |
| Life insurance assets | $0 | 4,082 |
| Total liabilities and capital | $172,785,000 | 3,455 |
| Total liabilities | $159,451,000 | 3,369 |
| Total deposits | $154,763,000 | 3,207 |
| Interest-bearing deposits | $144,394,000 | 2,937 |
| Deposits held in domestic offices | $154,763,000 | 3,204 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,403,000 | 1,900 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $0 | 5,610 |
| Subordinated debt | $0 | 264 |
| All other liabilities | $1,285,000 | 3,284 |
| Total equity capital | $13,334,000 | 4,414 |
| Total bank equity capital | $13,334,000 | 4,414 |
| Perpetual preferred stock | $0 | 112 |
| Common stock | $3,928,000 | 1,183 |
| Surplus | $3,928,000 | 4,409 |
| Undivided profits | $5,478,000 | 4,493 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $953,000 | 2,723 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $833,000 | 200 |
| Income earned, not collected on loans | $981,000 | 3,984 |
| Earning assets | $159,759,000 | 3,429 |
| Long-term assets (5+ years) | $56,143,000 | 1,719 |
| Average Assets, year-to-date | $158,460,800 | 3,593 |
| Average Assets, quarterly | $170,207,000 | 3,462 |
| Volatile liabilities | $25,824,000 | 4,080 |
| Insider loans | $4,512,000 | 1,572 |
| FHLB advances | $0 | 5,139 |
| Loans and leases held for sale | $0 | 1,760 |
| Unused loan commitments | $16,419,000 | 3,725 |
| Tier 1 (core) risk-based capital | $13,563,000 | 4,293 |
| Tier 2 risk-based capital | $1,562,000 | 2,911 |
| Total risk weighted assets | $124,872,000 | 3,403 |
| Total unused commitments | $16,419,000 | 3,725 |
| Derivatives | $0 | 1,023 |
| 2006-09-30 | Rank | |
| # of Employees: | 83 | 2,120 |
| Assets and Liabilities | ||
| Total Assets: | $167,629,000 | 3,505 |
| Cash and due from depository institutions | $4,631,000 | 2,120 |
| Interest-bearing balances | $35,000 | 5,735 |
| Securities | $21,388,000 | 4,384 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,029 |
| Net loans & leases | $132,962,000 | 3,092 |
| Loan loss allowance | $1,601,000 | 2,985 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $6,737,000 | 1,759 |
| Other real estate owned | $0 | 2,120 |
| Goodwill and other intangibles | $0 | 3,332 |
| All other assets | $1,911,000 | 5,321 |
| Life insurance assets | $0 | 4,052 |
| Total liabilities and capital | $167,629,000 | 3,505 |
| Total liabilities | $154,379,000 | 3,426 |
| Total deposits | $148,415,000 | 3,267 |
| Interest-bearing deposits | $138,474,000 | 3,010 |
| Deposits held in domestic offices | $148,415,000 | 3,264 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $4,526,000 | 1,776 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $0 | 5,812 |
| Subordinated debt | $0 | 269 |
| All other liabilities | $1,438,000 | 3,006 |
| Total equity capital | $13,250,000 | 4,410 |
| Total bank equity capital | $13,250,000 | 4,410 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $3,928,000 | 1,168 |
| Surplus | $3,928,000 | 4,391 |
| Undivided profits | $5,394,000 | 4,536 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $879,000 | 2,788 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $833,000 | 201 |
| Income earned, not collected on loans | $901,000 | 4,304 |
| Earning assets | $154,385,000 | 3,498 |
| Long-term assets (5+ years) | $55,278,000 | 1,720 |
| Average Assets, year-to-date | $154,879,750 | 3,651 |
| Average Assets, quarterly | $160,577,500 | 3,600 |
| Volatile liabilities | $24,838,000 | 4,180 |
| Insider loans | $4,804,000 | 1,483 |
| FHLB advances | $0 | 5,308 |
| Loans and leases held for sale | $0 | 1,773 |
| Unused loan commitments | $16,731,000 | 3,692 |
| Tier 1 (core) risk-based capital | $13,497,000 | 4,302 |
| Tier 2 risk-based capital | $1,503,000 | 2,975 |
| Total risk weighted assets | $120,111,000 | 3,479 |
| Total unused commitments | $16,731,000 | 3,693 |
| Derivatives | $0 | 1,023 |
| 2006-06-30 | Rank | |
| # of Employees: | 81 | 2,174 |
| Assets and Liabilities | ||
| Total Assets: | $153,526,000 | 3,736 |
| Cash and due from depository institutions | $3,792,000 | 2,174 |
| Interest-bearing balances | $12,000 | 6,289 |
| Securities | $21,287,000 | 4,396 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,870 |
| Net loans & leases | $119,595,000 | 3,330 |
| Loan loss allowance | $1,597,000 | 2,947 |
| Trading account assets | $0 | 157 |
| Bank premises and fixed assets | $6,914,000 | 1,663 |
| Other real estate owned | $142,000 | 2,174 |
| Goodwill and other intangibles | $0 | 3,333 |
| All other assets | $1,796,000 | 5,417 |
| Life insurance assets | $0 | 4,035 |
| Total liabilities and capital | $153,526,000 | 3,736 |
| Total liabilities | $140,662,000 | 3,665 |
| Total deposits | $135,722,000 | 3,501 |
| Interest-bearing deposits | $125,567,000 | 3,226 |
| Deposits held in domestic offices | $135,722,000 | 3,498 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,238,000 | 2,800 |
| Trading liabilities | $0 | 73 |
| Other borrowed funds | $2,500,000 | 4,490 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $1,202,000 | 3,125 |
| Total equity capital | $12,864,000 | 4,385 |
| Total bank equity capital | $12,864,000 | 4,385 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $3,928,000 | 1,153 |
| Surplus | $3,928,000 | 4,365 |
| Undivided profits | $5,008,000 | 4,558 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $954,000 | 2,524 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $855,000 | 206 |
| Income earned, not collected on loans | $776,000 | 4,409 |
| Earning assets | $140,894,000 | 3,720 |
| Long-term assets (5+ years) | $49,791,000 | 1,824 |
| Average Assets, year-to-date | $150,630,000 | 3,739 |
| Average Assets, quarterly | $152,837,000 | 3,724 |
| Volatile liabilities | $17,519,000 | 4,970 |
| Insider loans | $4,978,000 | 1,400 |
| FHLB advances | $2,500,000 | 4,298 |
| Loans and leases held for sale | $0 | 1,763 |
| Unused loan commitments | $19,433,000 | 3,425 |
| Tier 1 (core) risk-based capital | $13,376,000 | 4,252 |
| Tier 2 risk-based capital | $1,361,000 | 3,202 |
| Total risk weighted assets | $108,622,000 | 3,703 |
| Total unused commitments | $19,433,000 | 3,426 |
| Derivatives | $0 | 1,000 |
| 2006-03-31 | Rank | |
| # of Employees: | 78 | 2,247 |
| Assets and Liabilities | ||
| Total Assets: | $152,148,000 | 3,734 |
| Cash and due from depository institutions | $4,155,000 | 2,247 |
| Interest-bearing balances | $30,000 | 5,905 |
| Securities | $22,105,000 | 4,351 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,312 |
| Net loans & leases | $117,119,000 | 3,328 |
| Loan loss allowance | $1,592,000 | 2,920 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $6,967,000 | 1,637 |
| Other real estate owned | $0 | 2,247 |
| Goodwill and other intangibles | $0 | 3,321 |
| All other assets | $1,802,000 | 5,311 |
| Life insurance assets | $0 | 4,002 |
| Total liabilities and capital | $152,148,000 | 3,734 |
| Total liabilities | $139,294,000 | 3,657 |
| Total deposits | $132,841,000 | 3,555 |
| Interest-bearing deposits | $123,007,000 | 3,273 |
| Deposits held in domestic offices | $132,841,000 | 3,551 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,206,000 | 1,590 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $0 | 5,773 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $1,247,000 | 3,047 |
| Total equity capital | $12,854,000 | 4,349 |
| Total bank equity capital | $12,854,000 | 4,349 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $3,928,000 | 1,141 |
| Surplus | $3,928,000 | 4,293 |
| Undivided profits | $4,998,000 | 4,579 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,171,000 | 2,089 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $865,000 | 207 |
| Income earned, not collected on loans | $755,000 | 4,331 |
| Earning assets | $139,254,000 | 3,735 |
| Long-term assets (5+ years) | $49,891,000 | 1,784 |
| Average Assets, year-to-date | $149,182,000 | 3,768 |
| Average Assets, quarterly | $149,182,000 | 3,768 |
| Volatile liabilities | $17,289,000 | 4,883 |
| Insider loans | $4,779,000 | 1,427 |
| FHLB advances | $0 | 5,285 |
| Loans and leases held for sale | $0 | 1,721 |
| Unused loan commitments | $14,867,000 | 3,949 |
| Tier 1 (core) risk-based capital | $13,223,000 | 4,230 |
| Tier 2 risk-based capital | $1,351,000 | 3,170 |
| Total risk weighted assets | $107,830,000 | 3,666 |
| Total unused commitments | $14,867,000 | 3,949 |
| Derivatives | $0 | 990 |
| 2005-12-31 | Rank | |
| # of Employees: | 73 | 2,385 |
| Assets and Liabilities | ||
| Total Assets: | $146,216,000 | 3,821 |
| Cash and due from depository institutions | $4,554,000 | 2,385 |
| Interest-bearing balances | $78,000 | 5,335 |
| Securities | $23,442,000 | 4,203 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,145 |
| Net loans & leases | $110,458,000 | 3,442 |
| Loan loss allowance | $1,560,000 | 2,927 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $6,085,000 | 1,836 |
| Other real estate owned | $0 | 2,385 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $1,677,000 | 5,505 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $146,216,000 | 3,821 |
| Total liabilities | $133,378,000 | 3,771 |
| Total deposits | $127,184,000 | 3,619 |
| Interest-bearing deposits | $117,937,000 | 3,337 |
| Deposits held in domestic offices | $127,184,000 | 3,615 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,946,000 | 2,350 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $3,000,000 | 4,228 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $1,248,000 | 3,001 |
| Total equity capital | $12,838,000 | 4,315 |
| Total bank equity capital | $12,838,000 | 4,315 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $3,928,000 | 1,129 |
| Surplus | $3,928,000 | 4,263 |
| Undivided profits | $4,982,000 | 4,600 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,135,000 | 2,116 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $751,000 | 4,383 |
| Earning assets | $133,978,000 | 3,813 |
| Long-term assets (5+ years) | $43,585,000 | 1,951 |
| Average Assets, year-to-date | $138,049,400 | 3,843 |
| Average Assets, quarterly | $143,665,500 | 3,828 |
| Volatile liabilities | $16,911,000 | 4,856 |
| Insider loans | $4,425,000 | 1,515 |
| FHLB advances | $3,000,000 | 4,059 |
| Loans and leases held for sale | $0 | 1,743 |
| Unused loan commitments | $11,617,000 | 4,408 |
| Tier 1 (core) risk-based capital | $13,115,000 | 4,199 |
| Tier 2 risk-based capital | $1,276,000 | 3,279 |
| Total risk weighted assets | $101,766,000 | 3,807 |
| Total unused commitments | $11,617,000 | 4,408 |
| Derivatives | $0 | 930 |
| 2005-09-30 | Rank | |
| # of Employees: | 69 | 2,516 |
| Assets and Liabilities | ||
| Total Assets: | $141,115,000 | 3,878 |
| Cash and due from depository institutions | $3,439,000 | 2,516 |
| Interest-bearing balances | $79,000 | 5,341 |
| Securities | $23,605,000 | 4,146 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,951 |
| Net loans & leases | $106,369,000 | 3,491 |
| Loan loss allowance | $1,549,000 | 2,934 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $5,985,000 | 1,819 |
| Other real estate owned | $19,000 | 2,516 |
| Goodwill and other intangibles | $0 | 3,310 |
| All other assets | $1,698,000 | 5,444 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $141,115,000 | 3,878 |
| Total liabilities | $128,233,000 | 3,830 |
| Total deposits | $125,390,000 | 3,600 |
| Interest-bearing deposits | $116,092,000 | 3,318 |
| Deposits held in domestic offices | $125,390,000 | 3,596 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,581,000 | 2,517 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $0 | 5,928 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $1,262,000 | 2,943 |
| Total equity capital | $12,882,000 | 4,270 |
| Total bank equity capital | $12,882,000 | 4,270 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $3,928,000 | 1,096 |
| Surplus | $3,928,000 | 4,224 |
| Undivided profits | $5,026,000 | 4,629 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,105,000 | 2,208 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $837,000 | 213 |
| Income earned, not collected on loans | $700,000 | 4,593 |
| Earning assets | $130,053,000 | 3,846 |
| Long-term assets (5+ years) | $43,236,000 | 1,972 |
| Average Assets, year-to-date | $136,007,750 | 3,885 |
| Average Assets, quarterly | $139,351,000 | 3,869 |
| Volatile liabilities | $12,065,000 | 5,623 |
| Insider loans | $4,596,000 | 1,409 |
| FHLB advances | $0 | 5,403 |
| Loans and leases held for sale | $0 | 1,843 |
| Unused loan commitments | $12,077,000 | 4,235 |
| Tier 1 (core) risk-based capital | $13,061,000 | 4,151 |
| Tier 2 risk-based capital | $1,200,000 | 3,404 |
| Total risk weighted assets | $95,627,000 | 3,941 |
| Total unused commitments | $12,077,000 | 4,237 |
| Derivatives | $0 | 909 |
| 2005-06-30 | Rank | |
| # of Employees: | 70 | 2,460 |
| Assets and Liabilities | ||
| Total Assets: | $137,587,000 | 3,887 |
| Cash and due from depository institutions | $4,559,000 | 2,460 |
| Interest-bearing balances | $60,000 | 5,567 |
| Securities | $24,608,000 | 4,085 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,776 |
| Net loans & leases | $101,501,000 | 3,550 |
| Loan loss allowance | $1,526,000 | 2,939 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $5,206,000 | 2,086 |
| Other real estate owned | $12,000 | 2,460 |
| Goodwill and other intangibles | $0 | 3,307 |
| All other assets | $1,701,000 | 5,299 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $137,587,000 | 3,887 |
| Total liabilities | $124,711,000 | 3,841 |
| Total deposits | $117,691,000 | 3,730 |
| Interest-bearing deposits | $109,289,000 | 3,445 |
| Deposits held in domestic offices | $117,691,000 | 3,728 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $3,746,000 | 1,872 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $2,000,000 | 4,639 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $1,274,000 | 2,732 |
| Total equity capital | $12,876,000 | 4,210 |
| Total bank equity capital | $12,876,000 | 4,210 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $3,928,000 | 1,078 |
| Surplus | $3,928,000 | 4,178 |
| Undivided profits | $5,020,000 | 4,582 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $864,000 | 2,559 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $828,000 | 221 |
| Income earned, not collected on loans | $775,000 | 3,930 |
| Earning assets | $126,169,000 | 3,872 |
| Long-term assets (5+ years) | $37,542,000 | 2,198 |
| Average Assets, year-to-date | $134,305,330 | 3,893 |
| Average Assets, quarterly | $136,307,000 | 3,882 |
| Volatile liabilities | $12,018,000 | 5,510 |
| Insider loans | $5,124,000 | 1,232 |
| FHLB advances | $2,000,000 | 4,469 |
| Loans and leases held for sale | $0 | 1,818 |
| Unused loan commitments | $9,073,000 | 4,856 |
| Tier 1 (core) risk-based capital | $12,922,000 | 4,110 |
| Tier 2 risk-based capital | $1,141,000 | 3,476 |
| Total risk weighted assets | $90,921,000 | 3,985 |
| Total unused commitments | $9,073,000 | 4,858 |
| Derivatives | $0 | 866 |
| 2005-03-31 | Rank | |
| # of Employees: | 67 | 2,564 |
| Assets and Liabilities | ||
| Total Assets: | $135,027,000 | 3,922 |
| Cash and due from depository institutions | $4,009,000 | 2,564 |
| Interest-bearing balances | $61,000 | 5,599 |
| Securities | $23,972,000 | 4,217 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,340 |
| Net loans & leases | $100,233,000 | 3,535 |
| Loan loss allowance | $1,513,000 | 2,939 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $5,180,000 | 2,060 |
| Other real estate owned | $33,000 | 2,564 |
| Goodwill and other intangibles | $0 | 3,297 |
| All other assets | $1,600,000 | 5,457 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $135,027,000 | 3,922 |
| Total liabilities | $122,489,000 | 3,894 |
| Total deposits | $119,860,000 | 3,688 |
| Interest-bearing deposits | $111,108,000 | 3,411 |
| Deposits held in domestic offices | $119,860,000 | 3,685 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,602,000 | 2,325 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $0 | 5,784 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $1,027,000 | 3,153 |
| Total equity capital | $12,538,000 | 4,234 |
| Total bank equity capital | $12,538,000 | 4,234 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $3,928,000 | 1,065 |
| Surplus | $3,928,000 | 4,163 |
| Undivided profits | $4,682,000 | 4,670 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $836,000 | 2,691 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $725,000 | 4,032 |
| Earning assets | $124,266,000 | 3,906 |
| Long-term assets (5+ years) | $30,947,000 | 2,576 |
| Average Assets, year-to-date | $132,664,500 | 3,956 |
| Average Assets, quarterly | $132,664,500 | 3,956 |
| Volatile liabilities | $8,394,000 | 6,258 |
| Insider loans | $4,389,000 | 1,415 |
| FHLB advances | $0 | 5,246 |
| Loans and leases held for sale | $0 | 1,762 |
| Unused loan commitments | $6,430,000 | 5,518 |
| Tier 1 (core) risk-based capital | $12,803,000 | 4,101 |
| Tier 2 risk-based capital | $1,119,000 | 3,529 |
| Total risk weighted assets | $89,382,000 | 4,001 |
| Total unused commitments | $6,430,000 | 5,521 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 66 | 2,611 |
| Assets and Liabilities | ||
| Total Assets: | $130,302,000 | 4,025 |
| Cash and due from depository institutions | $3,655,000 | 2,611 |
| Interest-bearing balances | $0 | 6,872 |
| Securities | $24,901,000 | 4,143 |
| Federal funds sold & reverse repurchase agreements | $22,000 | 6,113 |
| Net loans & leases | $95,144,000 | 3,657 |
| Loan loss allowance | $1,483,000 | 2,963 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $4,954,000 | 2,124 |
| Other real estate owned | $0 | 2,611 |
| Goodwill and other intangibles | $0 | 3,293 |
| All other assets | $1,626,000 | 5,366 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $130,302,000 | 4,025 |
| Total liabilities | $117,636,000 | 3,996 |
| Total deposits | $116,796,000 | 3,730 |
| Interest-bearing deposits | $108,829,000 | 3,423 |
| Deposits held in domestic offices | $116,796,000 | 3,726 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,470 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $0 | 5,836 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $840,000 | 3,502 |
| Total equity capital | $12,666,000 | 4,177 |
| Total bank equity capital | $12,666,000 | 4,177 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $3,928,000 | 1,038 |
| Surplus | $3,928,000 | 4,129 |
| Undivided profits | $4,810,000 | 4,699 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $870,000 | 2,673 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $93,000 | 792 |
| Income earned, not collected on loans | $732,000 | 3,998 |
| Earning assets | $120,067,000 | 4,020 |
| Long-term assets (5+ years) | $33,603,000 | 2,491 |
| Average Assets, year-to-date | $133,520,400 | 3,828 |
| Average Assets, quarterly | $130,325,000 | 3,991 |
| Volatile liabilities | $5,149,000 | 7,177 |
| Insider loans | $2,444,000 | 2,375 |
| FHLB advances | $0 | 5,260 |
| Loans and leases held for sale | $0 | 1,753 |
| Unused loan commitments | $6,939,000 | 5,227 |
| Tier 1 (core) risk-based capital | $12,720,000 | 4,052 |
| Tier 2 risk-based capital | $1,058,000 | 3,645 |
| Total risk weighted assets | $84,229,000 | 4,157 |
| Total unused commitments | $6,939,000 | 5,228 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 65 | 2,647 |
| Assets and Liabilities | ||
| Total Assets: | $130,348,000 | 3,987 |
| Cash and due from depository institutions | $3,873,000 | 2,647 |
| Interest-bearing balances | $0 | 6,935 |
| Securities | $25,892,000 | 4,002 |
| Federal funds sold & reverse repurchase agreements | $1,241,000 | 4,283 |
| Net loans & leases | $92,733,000 | 3,695 |
| Loan loss allowance | $1,431,000 | 3,062 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $4,972,000 | 2,086 |
| Other real estate owned | $0 | 2,647 |
| Goodwill and other intangibles | $0 | 3,268 |
| All other assets | $1,637,000 | 5,343 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $130,348,000 | 3,987 |
| Total liabilities | $117,906,000 | 3,966 |
| Total deposits | $115,937,000 | 3,710 |
| Interest-bearing deposits | $107,108,000 | 3,429 |
| Deposits held in domestic offices | $115,937,000 | 3,708 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,678 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $1,000,000 | 4,994 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $969,000 | 3,267 |
| Total equity capital | $12,442,000 | 4,231 |
| Total bank equity capital | $12,442,000 | 4,231 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $3,928,000 | 1,026 |
| Surplus | $3,928,000 | 4,088 |
| Undivided profits | $4,586,000 | 4,870 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $818,000 | 2,986 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $645,000 | 4,592 |
| Earning assets | $119,866,000 | 3,987 |
| Long-term assets (5+ years) | $35,167,000 | 2,451 |
| Average Assets, year-to-date | $134,325,000 | 3,822 |
| Average Assets, quarterly | $132,023,500 | 3,913 |
| Volatile liabilities | $5,308,000 | 7,141 |
| Insider loans | $1,902,000 | 2,777 |
| FHLB advances | $1,000,000 | 4,770 |
| Loans and leases held for sale | $0 | 1,808 |
| Unused loan commitments | $7,839,000 | 4,914 |
| Tier 1 (core) risk-based capital | $12,370,000 | 4,123 |
| Tier 2 risk-based capital | $1,035,000 | 3,674 |
| Total risk weighted assets | $82,538,000 | 4,180 |
| Total unused commitments | $7,839,000 | 4,918 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 63 | 2,733 |
| Assets and Liabilities | ||
| Total Assets: | $133,699,000 | 3,904 |
| Cash and due from depository institutions | $3,641,000 | 2,733 |
| Interest-bearing balances | $0 | 6,951 |
| Securities | $31,757,000 | 3,513 |
| Federal funds sold & reverse repurchase agreements | $0 | 5,884 |
| Net loans & leases | $92,129,000 | 3,673 |
| Loan loss allowance | $1,436,000 | 3,049 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $4,250,000 | 2,363 |
| Other real estate owned | $0 | 2,733 |
| Goodwill and other intangibles | $0 | 3,275 |
| All other assets | $1,922,000 | 4,910 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $133,699,000 | 3,904 |
| Total liabilities | $121,874,000 | 3,855 |
| Total deposits | $117,108,000 | 3,696 |
| Interest-bearing deposits | $109,127,000 | 3,393 |
| Deposits held in domestic offices | $117,108,000 | 3,692 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,659,000 | 2,523 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $2,325,000 | 4,420 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $782,000 | 3,476 |
| Total equity capital | $11,825,000 | 4,279 |
| Total bank equity capital | $11,825,000 | 4,279 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $3,928,000 | 1,013 |
| Surplus | $3,928,000 | 4,056 |
| Undivided profits | $3,969,000 | 5,054 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $743,000 | 3,186 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $848,000 | 3,425 |
| Earning assets | $123,886,000 | 3,863 |
| Long-term assets (5+ years) | $39,765,000 | 2,284 |
| Average Assets, year-to-date | $135,650,670 | 3,802 |
| Average Assets, quarterly | $134,717,500 | 3,859 |
| Volatile liabilities | $8,262,000 | 6,249 |
| Insider loans | $2,398,000 | 2,336 |
| FHLB advances | $2,325,000 | 4,256 |
| Loans and leases held for sale | $0 | 1,820 |
| Unused loan commitments | $6,461,000 | 5,348 |
| Tier 1 (core) risk-based capital | $12,077,000 | 4,148 |
| Tier 2 risk-based capital | $1,042,000 | 3,627 |
| Total risk weighted assets | $82,990,000 | 4,120 |
| Total unused commitments | $6,461,000 | 5,351 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 42 | 3,881 |
| Assets and Liabilities | ||
| Total Assets: | $104,718,000 | 4,667 |
| Cash and due from depository institutions | $3,263,000 | 3,881 |
| Interest-bearing balances | $0 | 6,987 |
| Securities | $28,045,000 | 3,854 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,767 |
| Net loans & leases | $69,290,000 | 4,430 |
| Loan loss allowance | $1,127,000 | 3,637 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $2,947,000 | 3,203 |
| Other real estate owned | $0 | 3,881 |
| Goodwill and other intangibles | $0 | 3,256 |
| All other assets | $1,173,000 | 6,031 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $104,718,000 | 4,667 |
| Total liabilities | $95,884,000 | 4,575 |
| Total deposits | $94,001,000 | 4,363 |
| Interest-bearing deposits | $86,965,000 | 4,097 |
| Deposits held in domestic offices | $94,001,000 | 4,359 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $24,000 | 3,156 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $1,250,000 | 4,729 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $609,000 | 4,405 |
| Total equity capital | $8,834,000 | 5,366 |
| Total bank equity capital | $8,834,000 | 5,366 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $2,675,000 | 1,450 |
| Surplus | $2,675,000 | 4,902 |
| Undivided profits | $3,484,000 | 5,524 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $100,000 | 6,681 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $593,000 | 4,582 |
| Earning assets | $97,335,000 | 4,630 |
| Long-term assets (5+ years) | $30,882,000 | 2,717 |
| Average Assets, year-to-date | $104,855,000 | 4,636 |
| Average Assets, quarterly | $104,855,000 | 4,636 |
| Volatile liabilities | $4,078,000 | 7,515 |
| Insider loans | $2,259,000 | 2,397 |
| FHLB advances | $1,250,000 | 4,545 |
| Loans and leases held for sale | $0 | 1,884 |
| Unused loan commitments | $4,731,000 | 6,025 |
| Tier 1 (core) risk-based capital | $8,494,000 | 5,314 |
| Tier 2 risk-based capital | $808,000 | 4,330 |
| Total risk weighted assets | $64,417,000 | 4,837 |
| Total unused commitments | $4,731,000 | 6,031 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 42 | 3,887 |
| Assets and Liabilities | ||
| Total Assets: | $104,992,000 | 4,643 |
| Cash and due from depository institutions | $2,321,000 | 3,887 |
| Interest-bearing balances | $0 | 6,994 |
| Securities | $27,814,000 | 3,924 |
| Federal funds sold & reverse repurchase agreements | $2,416,000 | 3,683 |
| Net loans & leases | $68,415,000 | 4,449 |
| Loan loss allowance | $1,100,000 | 3,694 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $2,759,000 | 3,366 |
| Other real estate owned | $0 | 3,887 |
| Goodwill and other intangibles | $0 | 3,237 |
| All other assets | $1,267,000 | 5,869 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $104,992,000 | 4,643 |
| Total liabilities | $96,512,000 | 4,536 |
| Total deposits | $92,754,000 | 4,386 |
| Interest-bearing deposits | $86,439,000 | 4,068 |
| Deposits held in domestic offices | $92,754,000 | 4,383 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,433 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $3,250,000 | 3,908 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $508,000 | 4,686 |
| Total equity capital | $8,480,000 | 5,440 |
| Total bank equity capital | $8,480,000 | 5,440 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $2,675,000 | 1,455 |
| Surplus | $2,675,000 | 4,885 |
| Undivided profits | $3,130,000 | 5,708 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,180 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $672,000 | 4,286 |
| Earning assets | $98,645,000 | 4,548 |
| Long-term assets (5+ years) | $32,770,000 | 2,610 |
| Average Assets, year-to-date | $101,260,800 | 4,633 |
| Average Assets, quarterly | $105,114,500 | 4,590 |
| Volatile liabilities | $6,142,000 | 6,836 |
| Insider loans | $2,143,000 | 2,478 |
| FHLB advances | $3,250,000 | 3,753 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $6,183,000 | 5,351 |
| Tier 1 (core) risk-based capital | $8,185,000 | 5,398 |
| Tier 2 risk-based capital | $801,000 | 4,332 |
| Total risk weighted assets | $63,742,000 | 4,873 |
| Total unused commitments | $6,183,000 | 5,355 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 43 | 3,839 |
| Assets and Liabilities | ||
| Total Assets: | $105,237,000 | 4,598 |
| Cash and due from depository institutions | $2,598,000 | 3,839 |
| Interest-bearing balances | $0 | 7,032 |
| Securities | $29,878,000 | 3,654 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,602 |
| Net loans & leases | $68,882,000 | 4,407 |
| Loan loss allowance | $1,070,000 | 3,759 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $2,622,000 | 3,471 |
| Other real estate owned | $0 | 3,839 |
| Goodwill and other intangibles | $0 | 3,226 |
| All other assets | $1,257,000 | 5,937 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $105,237,000 | 4,598 |
| Total liabilities | $96,968,000 | 4,504 |
| Total deposits | $91,740,000 | 4,396 |
| Interest-bearing deposits | $85,387,000 | 4,115 |
| Deposits held in domestic offices | $91,740,000 | 4,393 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,916,000 | 2,212 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $2,750,000 | 4,095 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $562,000 | 4,709 |
| Total equity capital | $8,269,000 | 5,507 |
| Total bank equity capital | $8,269,000 | 5,507 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $2,675,000 | 1,453 |
| Surplus | $2,675,000 | 4,853 |
| Undivided profits | $2,919,000 | 5,915 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $372,000 | 4,924 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $659,000 | 4,555 |
| Earning assets | $98,760,000 | 4,527 |
| Long-term assets (5+ years) | $36,025,000 | 2,441 |
| Average Assets, year-to-date | $100,328,000 | 4,689 |
| Average Assets, quarterly | $102,925,000 | 4,662 |
| Volatile liabilities | $7,452,000 | 6,458 |
| Insider loans | $2,092,000 | 2,495 |
| FHLB advances | $2,750,000 | 3,911 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $6,626,000 | 5,167 |
| Tier 1 (core) risk-based capital | $7,884,000 | 5,529 |
| Tier 2 risk-based capital | $800,000 | 4,335 |
| Total risk weighted assets | $63,737,000 | 4,855 |
| Total unused commitments | $6,626,000 | 5,174 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 42 | 3,917 |
| Assets and Liabilities | ||
| Total Assets: | $100,613,000 | 4,748 |
| Cash and due from depository institutions | $3,079,000 | 3,917 |
| Interest-bearing balances | $0 | 7,050 |
| Securities | $29,279,000 | 3,616 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,888 |
| Net loans & leases | $64,314,000 | 4,597 |
| Loan loss allowance | $1,058,000 | 3,751 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $2,555,000 | 3,509 |
| Other real estate owned | $0 | 3,917 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $1,386,000 | 5,555 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $100,613,000 | 4,748 |
| Total liabilities | $92,281,000 | 4,643 |
| Total deposits | $89,338,000 | 4,504 |
| Interest-bearing deposits | $82,956,000 | 4,198 |
| Deposits held in domestic offices | $89,338,000 | 4,502 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $749,000 | 2,644 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $1,500,000 | 4,591 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $694,000 | 4,225 |
| Total equity capital | $8,332,000 | 5,469 |
| Total bank equity capital | $8,332,000 | 5,469 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $2,675,000 | 1,448 |
| Surplus | $2,675,000 | 4,824 |
| Undivided profits | $2,982,000 | 5,903 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,340 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $712,000 | 4,097 |
| Earning assets | $93,593,000 | 4,674 |
| Long-term assets (5+ years) | $35,250,000 | 2,342 |
| Average Assets, year-to-date | $98,691,670 | 4,743 |
| Average Assets, quarterly | $98,412,500 | 4,777 |
| Volatile liabilities | $5,248,000 | 7,174 |
| Insider loans | $2,193,000 | 2,406 |
| FHLB advances | $1,500,000 | 4,360 |
| Loans and leases held for sale | $0 | 2,044 |
| Unused loan commitments | $6,401,000 | 5,219 |
| Tier 1 (core) risk-based capital | $7,637,000 | 5,563 |
| Tier 2 risk-based capital | $756,000 | 4,471 |
| Total risk weighted assets | $60,279,000 | 4,994 |
| Total unused commitments | $6,401,000 | 5,234 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 39 | 4,145 |
| Assets and Liabilities | ||
| Total Assets: | $96,212,000 | 4,840 |
| Cash and due from depository institutions | $2,424,000 | 4,145 |
| Interest-bearing balances | $0 | 7,012 |
| Securities | $28,403,000 | 3,675 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,247 |
| Net loans & leases | $62,027,000 | 4,658 |
| Loan loss allowance | $945,000 | 4,038 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $2,125,000 | 3,947 |
| Other real estate owned | $0 | 4,145 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $1,233,000 | 5,829 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $96,212,000 | 4,840 |
| Total liabilities | $88,375,000 | 4,748 |
| Total deposits | $87,362,000 | 4,536 |
| Interest-bearing deposits | $81,017,000 | 4,268 |
| Deposits held in domestic offices | $87,362,000 | 4,533 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $240,000 | 2,849 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $0 | 5,712 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $773,000 | 3,992 |
| Total equity capital | $7,837,000 | 5,610 |
| Total bank equity capital | $7,837,000 | 5,610 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $2,675,000 | 1,453 |
| Surplus | $2,675,000 | 4,796 |
| Undivided profits | $2,487,000 | 6,222 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $120,000 | 6,693 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $659,000 | 4,377 |
| Earning assets | $90,430,000 | 4,742 |
| Long-term assets (5+ years) | $35,761,000 | 2,254 |
| Average Assets, year-to-date | $97,731,000 | 4,767 |
| Average Assets, quarterly | $97,731,000 | 4,767 |
| Volatile liabilities | $2,780,000 | 8,195 |
| Insider loans | $2,149,000 | 2,408 |
| FHLB advances | $0 | 5,057 |
| Loans and leases held for sale | $0 | 1,961 |
| Unused loan commitments | $5,848,000 | 5,329 |
| Tier 1 (core) risk-based capital | $7,336,000 | 5,654 |
| Tier 2 risk-based capital | $711,000 | 4,582 |
| Total risk weighted assets | $56,731,000 | 5,113 |
| Total unused commitments | $5,848,000 | 5,345 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 36 | 4,387 |
| Assets and Liabilities | ||
| Total Assets: | $99,250,000 | 4,713 |
| Cash and due from depository institutions | $2,383,000 | 4,387 |
| Interest-bearing balances | $0 | 7,009 |
| Securities | $30,517,000 | 3,492 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,991 |
| Net loans & leases | $63,106,000 | 4,616 |
| Loan loss allowance | $886,000 | 4,160 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $2,096,000 | 3,958 |
| Other real estate owned | $0 | 4,387 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $1,148,000 | 6,107 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $99,250,000 | 4,713 |
| Total liabilities | $91,589,000 | 4,600 |
| Total deposits | $86,079,000 | 4,546 |
| Interest-bearing deposits | $79,773,000 | 4,262 |
| Deposits held in domestic offices | $86,079,000 | 4,541 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $177,000 | 3,053 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $4,700,000 | 3,401 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $633,000 | 4,540 |
| Total equity capital | $7,661,000 | 5,646 |
| Total bank equity capital | $7,661,000 | 5,646 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $2,675,000 | 1,445 |
| Surplus | $2,675,000 | 4,749 |
| Undivided profits | $2,311,000 | 6,402 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $114,000 | 6,675 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $595,000 | 4,985 |
| Earning assets | $93,623,000 | 4,603 |
| Long-term assets (5+ years) | $38,442,000 | 2,095 |
| Average Assets, year-to-date | $90,302,800 | 4,849 |
| Average Assets, quarterly | $96,867,500 | 4,740 |
| Volatile liabilities | $7,744,000 | 6,353 |
| Insider loans | $2,419,000 | 2,150 |
| FHLB advances | $4,700,000 | 3,210 |
| Loans and leases held for sale | $0 | 1,889 |
| Unused loan commitments | $6,670,000 | 4,954 |
| Tier 1 (core) risk-based capital | $6,984,000 | 5,772 |
| Tier 2 risk-based capital | $721,000 | 4,520 |
| Total risk weighted assets | $57,478,000 | 5,059 |
| Total unused commitments | $6,670,000 | 4,960 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 35 | 4,488 |
| Assets and Liabilities | ||
| Total Assets: | $82,329,000 | 5,232 |
| Cash and due from depository institutions | $2,480,000 | 4,488 |
| Interest-bearing balances | $0 | 7,015 |
| Securities | $18,949,000 | 4,685 |
| Federal funds sold & reverse repurchase agreements | $2,234,000 | 4,592 |
| Net loans & leases | $55,599,000 | 4,924 |
| Loan loss allowance | $708,000 | 4,683 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $1,776,000 | 4,378 |
| Other real estate owned | $0 | 4,488 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $1,291,000 | 5,836 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $82,329,000 | 5,232 |
| Total liabilities | $75,852,000 | 5,125 |
| Total deposits | $75,231,000 | 4,873 |
| Interest-bearing deposits | $70,720,000 | 4,566 |
| Deposits held in domestic offices | $75,231,000 | 4,868 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,416 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,675 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $621,000 | 4,785 |
| Total equity capital | $6,477,000 | 6,113 |
| Total bank equity capital | $6,477,000 | 6,113 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $2,675,000 | 1,438 |
| Surplus | $2,675,000 | 4,681 |
| Undivided profits | $1,127,000 | 7,441 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,611 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $693,000 | 4,724 |
| Earning assets | $76,782,000 | 5,157 |
| Long-term assets (5+ years) | $32,549,000 | 2,348 |
| Average Assets, year-to-date | $76,061,400 | 5,328 |
| Average Assets, quarterly | $80,273,000 | 5,280 |
| Volatile liabilities | $2,802,000 | 8,346 |
| Insider loans | $1,835,000 | 2,579 |
| FHLB advances | $0 | 4,938 |
| Loans and leases held for sale | $0 | 1,749 |
| Unused loan commitments | $2,078,000 | 7,279 |
| Tier 1 (core) risk-based capital | $6,372,000 | 6,029 |
| Tier 2 risk-based capital | $601,000 | 4,913 |
| Total risk weighted assets | $47,939,000 | 5,546 |
| Total unused commitments | $2,078,000 | 7,287 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 30 | 5,074 |
| Assets and Liabilities | ||
| Total Assets: | $73,271,000 | 5,519 |
| Cash and due from depository institutions | $1,457,000 | 5,074 |
| Interest-bearing balances | $0 | 6,829 |
| Securities | $13,272,000 | 5,927 |
| Federal funds sold & reverse repurchase agreements | $1,669,000 | 4,592 |
| Net loans & leases | $54,345,000 | 4,904 |
| Loan loss allowance | $561,000 | 5,338 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $1,876,000 | 4,191 |
| Other real estate owned | $0 | 5,074 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $652,000 | 7,456 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $73,271,000 | 5,519 |
| Total liabilities | $67,289,000 | 5,427 |
| Total deposits | $66,595,000 | 5,158 |
| Interest-bearing deposits | $63,575,000 | 4,819 |
| Deposits held in domestic offices | $66,595,000 | 5,154 |
| % 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 | $694,000 | 4,707 |
| Total equity capital | $5,982,000 | 6,369 |
| Total bank equity capital | $5,982,000 | 6,369 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $2,675,000 | 1,445 |
| Surplus | $2,675,000 | 4,662 |
| Undivided profits | $632,000 | 8,170 |
| 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 | $375,000 | 6,146 |
| Earning assets | $69,286,000 | 5,400 |
| Long-term assets (5+ years) | $28,136,000 | 2,525 |
| Average Assets, year-to-date | $70,576,400 | 5,481 |
| Average Assets, quarterly | $73,188,500 | 5,464 |
| Volatile liabilities | $2,474,000 | 8,644 |
| Insider loans | $1,103,000 | 3,619 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $1,173,000 | 8,103 |
| Tier 1 (core) risk-based capital | $5,818,000 | 6,350 |
| Tier 2 risk-based capital | $561,000 | 5,022 |
| Total risk weighted assets | $45,425,200 | 5,646 |
| Total unused commitments | $1,173,000 | 8,107 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 25 | 5,920 |
| Assets and Liabilities | ||
| Total Assets: | $64,279,000 | 5,990 |
| Cash and due from depository institutions | $2,330,000 | 5,920 |
| Interest-bearing balances | $0 | 6,854 |
| Securities | $10,177,000 | 7,025 |
| Federal funds sold & reverse repurchase agreements | $1,750,000 | 3,958 |
| Net loans & leases | $47,896,000 | 5,222 |
| Loan loss allowance | $489,000 | 5,768 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,456,000 | 4,949 |
| Other real estate owned | $0 | 5,920 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $670,000 | 7,453 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $64,279,000 | 5,990 |
| Total liabilities | $59,588,000 | 5,857 |
| Total deposits | $59,093,000 | 5,625 |
| Interest-bearing deposits | $56,563,000 | 5,230 |
| Deposits held in domestic offices | $59,093,000 | 5,622 |
| % 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 | $495,000 | 5,381 |
| Total equity capital | $4,691,000 | 7,219 |
| Total bank equity capital | $4,691,000 | 7,219 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $2,425,000 | 1,623 |
| Surplus | $2,425,000 | 4,951 |
| Undivided profits | $-159,000 | 9,349 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $21,000 | 8,278 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $294,000 | 6,537 |
| Earning assets | $59,823,000 | 5,912 |
| Long-term assets (5+ years) | $25,116,000 | 2,861 |
| Average Assets, year-to-date | $53,489,400 | 6,496 |
| Average Assets, quarterly | $61,475,000 | 6,104 |
| Volatile liabilities | $2,976,000 | 8,411 |
| Insider loans | $917,000 | 3,958 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $389,000 | 9,335 |
| Tier 1 (core) risk-based capital | $4,865,000 | 7,102 |
| Tier 2 risk-based capital | $489,000 | 5,408 |
| Total risk weighted assets | $39,902,200 | 6,016 |
| Total unused commitments | $389,000 | 9,340 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 17 | 7,418 |
| Assets and Liabilities | ||
| Total Assets: | $43,207,000 | 7,510 |
| Cash and due from depository institutions | $729,000 | 7,418 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $6,460,000 | 8,217 |
| Federal funds sold & reverse repurchase agreements | $350,000 | 7,982 |
| Net loans & leases | $33,844,000 | 6,285 |
| Loan loss allowance | $356,000 | 6,834 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,513,000 | 4,748 |
| Other real estate owned | $0 | 7,418 |
| Goodwill and other intangibles | $18,000 | 3,200 |
| All other assets | $293,000 | 9,406 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $43,207,000 | 7,510 |
| Total liabilities | $39,494,000 | 7,404 |
| Total deposits | $39,148,000 | 7,249 |
| Interest-bearing deposits | $37,757,000 | 6,773 |
| Deposits held in domestic offices | $39,148,000 | 7,248 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $0 | 5,274 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $346,000 | 7,006 |
| Total equity capital | $3,713,000 | 8,181 |
| Total bank equity capital | $3,713,000 | 8,181 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $2,050,000 | 1,792 |
| Surplus | $2,050,000 | 5,301 |
| Undivided profits | $-387,000 | 10,021 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 9,467 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $191,000 | 8,031 |
| Earning assets | $40,654,000 | 7,403 |
| Long-term assets (5+ years) | $17,999,000 | 3,351 |
| Average Assets, year-to-date | $37,887,600 | 7,759 |
| Average Assets, quarterly | $43,376,000 | 7,417 |
| Volatile liabilities | $3,956,000 | 7,608 |
| Insider loans | $410,000 | 5,773 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $1,445,000 | 8,072 |
| Tier 1 (core) risk-based capital | $3,599,000 | 8,169 |
| Tier 2 risk-based capital | $356,000 | 6,419 |
| Total risk weighted assets | $28,637,200 | 7,076 |
| Total unused commitments | $1,445,000 | 8,082 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 14 | 8,372 |
| Assets and Liabilities | ||
| Total Assets: | $25,187,000 | 9,319 |
| Cash and due from depository institutions | $438,000 | 8,372 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $10,442,000 | 7,271 |
| Federal funds sold & reverse repurchase agreements | $550,000 | 7,128 |
| Net loans & leases | $12,051,000 | 9,522 |
| Loan loss allowance | $116,000 | 9,879 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,524,000 | 4,671 |
| Other real estate owned | $0 | 8,372 |
| Goodwill and other intangibles | $24,000 | 3,208 |
| All other assets | $158,000 | 10,571 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $25,187,000 | 9,319 |
| Total liabilities | $21,904,000 | 9,374 |
| Total deposits | $21,649,000 | 9,287 |
| Interest-bearing deposits | $21,028,000 | 8,910 |
| Deposits held in domestic offices | $21,649,000 | 9,285 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $255,000 | 8,302 |
| Total equity capital | $3,283,000 | 8,748 |
| Total bank equity capital | $3,283,000 | 8,748 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,800,000 | 2,070 |
| Surplus | $1,800,000 | 5,761 |
| Undivided profits | $-317,000 | 10,525 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 10,017 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $59,000 | 10,318 |
| Earning assets | $23,043,000 | 9,308 |
| Long-term assets (5+ years) | $9,167,000 | 4,545 |
| Average Assets, year-to-date | $19,686,000 | 9,787 |
| Average Assets, quarterly | $19,686,000 | 9,841 |
| Volatile liabilities | $3,534,000 | 8,095 |
| Insider loans | $259,000 | 6,950 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $717,000 | 9,245 |
| Tier 1 (core) risk-based capital | $3,232,000 | 8,706 |
| Tier 2 risk-based capital | $116,000 | 9,664 |
| Total risk weighted assets | $12,773,900 | 9,572 |
| Total unused commitments | $717,000 | 9,255 |
| Derivatives | $0 | 533 |