Home > Southern National Bank of Texas > Assets and Liabilities
Southern National Bank of Texas, Assets and Liabilities
| 2006-03-31 | Rank | |
| # of Employees: | 149 | 1,141 |
| Assets and Liabilities | ||
| Total Assets: | $879,959,000 | 712 |
| Cash and due from depository institutions | $17,975,000 | 1,141 |
| Interest-bearing balances | $122,000 | 4,672 |
| Securities | $227,826,000 | 583 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,312 |
| Net loans & leases | $591,712,000 | 729 |
| Loan loss allowance | $7,028,000 | 708 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $23,074,000 | 407 |
| Other real estate owned | $0 | 1,141 |
| Goodwill and other intangibles | $0 | 3,321 |
| All other assets | $19,372,000 | 917 |
| Life insurance assets | $0 | 4,002 |
| Total liabilities and capital | $879,959,000 | 712 |
| Total liabilities | $780,160,000 | 725 |
| Total deposits | $751,495,000 | 637 |
| Interest-bearing deposits | $614,129,000 | 674 |
| Deposits held in domestic offices | $751,495,000 | 636 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,368 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $20,500,000 | 1,696 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $8,165,000 | 722 |
| Total equity capital | $99,799,000 | 633 |
| Total bank equity capital | $99,799,000 | 633 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $6,178,000 | 684 |
| Surplus | $82,894,000 | 389 |
| Undivided profits | $10,727,000 | 2,886 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $23,000 | 6,998 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,164 |
| Income earned, not collected on loans | $3,152,000 | 1,057 |
| Earning assets | $819,660,000 | 705 |
| Long-term assets (5+ years) | $284,968,000 | 392 |
| Average Assets, year-to-date | $957,897,000 | 650 |
| Average Assets, quarterly | $957,897,000 | 650 |
| Volatile liabilities | $179,420,000 | 836 |
| Insider loans | $728,000 | 4,797 |
| FHLB advances | $20,500,000 | 1,606 |
| Loans and leases held for sale | $618,000 | 1,038 |
| Unused loan commitments | $107,343,000 | 972 |
| Tier 1 (core) risk-based capital | $101,116,000 | 572 |
| Tier 2 risk-based capital | $7,028,000 | 724 |
| Total risk weighted assets | $640,495,000 | 728 |
| Total unused commitments | $107,343,000 | 972 |
| Derivatives | $0 | 990 |
| 2005-12-31 | Rank | |
| # of Employees: | 166 | 1,002 |
| Assets and Liabilities | ||
| Total Assets: | $1,035,835,000 | 610 |
| Cash and due from depository institutions | $68,501,000 | 1,002 |
| Interest-bearing balances | $18,376,000 | 289 |
| Securities | $260,779,000 | 518 |
| Federal funds sold & reverse repurchase agreements | $17,495,000 | 764 |
| Net loans & leases | $645,852,000 | 661 |
| Loan loss allowance | $6,965,000 | 703 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $22,138,000 | 412 |
| Other real estate owned | $1,275,000 | 1,002 |
| Goodwill and other intangibles | $0 | 3,315 |
| All other assets | $19,795,000 | 885 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $1,035,835,000 | 610 |
| Total liabilities | $930,554,000 | 611 |
| Total deposits | $900,336,000 | 534 |
| Interest-bearing deposits | $739,240,000 | 546 |
| Deposits held in domestic offices | $900,336,000 | 533 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,512 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $25,952,000 | 1,475 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $4,266,000 | 1,153 |
| Total equity capital | $105,281,000 | 591 |
| Total bank equity capital | $105,281,000 | 591 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $6,178,000 | 671 |
| Surplus | $82,684,000 | 382 |
| Undivided profits | $16,419,000 | 1,975 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $9,866,000 | 301 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $3,820,000 | 842 |
| Earning assets | $942,502,000 | 611 |
| Long-term assets (5+ years) | $232,517,000 | 463 |
| Average Assets, year-to-date | $1,092,059,800 | 556 |
| Average Assets, quarterly | $1,077,945,500 | 587 |
| Volatile liabilities | $222,906,000 | 704 |
| Insider loans | $745,000 | 4,744 |
| FHLB advances | $15,000,000 | 1,974 |
| Loans and leases held for sale | $37,613,000 | 119 |
| Unused loan commitments | $123,317,000 | 850 |
| Tier 1 (core) risk-based capital | $106,111,000 | 546 |
| Tier 2 risk-based capital | $6,965,000 | 716 |
| Total risk weighted assets | $718,428,000 | 640 |
| Total unused commitments | $123,317,000 | 850 |
| Derivatives | $0 | 930 |
| 2005-09-30 | Rank | |
| # of Employees: | 162 | 1,009 |
| Assets and Liabilities | ||
| Total Assets: | $1,120,056,000 | 560 |
| Cash and due from depository institutions | $26,714,000 | 1,009 |
| Interest-bearing balances | $7,267,000 | 784 |
| Securities | $392,335,000 | 361 |
| Federal funds sold & reverse repurchase agreements | $1,450,000 | 4,195 |
| Net loans & leases | $648,818,000 | 639 |
| Loan loss allowance | $9,185,000 | 537 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $21,836,000 | 414 |
| Other real estate owned | $425,000 | 1,009 |
| Goodwill and other intangibles | $0 | 3,310 |
| All other assets | $28,478,000 | 626 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $1,120,055,000 | 560 |
| Total liabilities | $1,009,627,000 | 561 |
| Total deposits | $754,462,000 | 614 |
| Interest-bearing deposits | $610,228,000 | 648 |
| Deposits held in domestic offices | $754,462,000 | 612 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,623 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $250,500,000 | 280 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $4,665,000 | 1,032 |
| Total equity capital | $110,428,000 | 570 |
| Total bank equity capital | $110,428,000 | 570 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $6,178,000 | 641 |
| Surplus | $82,684,000 | 366 |
| Undivided profits | $21,566,000 | 1,612 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $9,472,000 | 305 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $4,486,000 | 678 |
| Earning assets | $1,049,870,000 | 547 |
| Long-term assets (5+ years) | $303,009,000 | 361 |
| Average Assets, year-to-date | $1,106,116,000 | 550 |
| Average Assets, quarterly | $1,114,229,500 | 556 |
| Volatile liabilities | $375,546,000 | 441 |
| Insider loans | $754,000 | 4,720 |
| FHLB advances | $250,000,000 | 237 |
| Loans and leases held for sale | $0 | 1,843 |
| Unused loan commitments | $144,642,000 | 756 |
| Tier 1 (core) risk-based capital | $115,139,000 | 500 |
| Tier 2 risk-based capital | $9,185,000 | 559 |
| Total risk weighted assets | $735,107,000 | 607 |
| Total unused commitments | $144,642,000 | 758 |
| Derivatives | $0 | 909 |
| 2005-06-30 | Rank | |
| # of Employees: | 157 | 1,048 |
| Assets and Liabilities | ||
| Total Assets: | $1,108,403,000 | 551 |
| Cash and due from depository institutions | $21,410,000 | 1,048 |
| Interest-bearing balances | $642,000 | 3,140 |
| Securities | $386,275,000 | 368 |
| Federal funds sold & reverse repurchase agreements | $1,150,000 | 4,186 |
| Net loans & leases | $655,512,000 | 617 |
| Loan loss allowance | $9,387,000 | 517 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $19,615,000 | 449 |
| Other real estate owned | $425,000 | 1,048 |
| Goodwill and other intangibles | $0 | 3,307 |
| All other assets | $24,016,000 | 726 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $1,108,403,000 | 551 |
| Total liabilities | $999,291,000 | 555 |
| Total deposits | $821,716,000 | 553 |
| Interest-bearing deposits | $687,596,000 | 561 |
| Deposits held in domestic offices | $821,716,000 | 550 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,721 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $173,100,000 | 362 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $4,475,000 | 1,013 |
| Total equity capital | $109,112,000 | 566 |
| Total bank equity capital | $109,112,000 | 566 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $6,178,000 | 623 |
| Surplus | $82,684,000 | 357 |
| Undivided profits | $20,250,000 | 1,673 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $8,389,000 | 337 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $4,248,000 | 657 |
| Earning assets | $1,043,579,000 | 543 |
| Long-term assets (5+ years) | $318,861,000 | 346 |
| Average Assets, year-to-date | $1,101,469,330 | 545 |
| Average Assets, quarterly | $1,087,543,000 | 554 |
| Volatile liabilities | $357,441,000 | 450 |
| Insider loans | $772,000 | 4,651 |
| FHLB advances | $172,600,000 | 309 |
| Loans and leases held for sale | $0 | 1,818 |
| Unused loan commitments | $142,561,000 | 732 |
| Tier 1 (core) risk-based capital | $112,374,000 | 501 |
| Tier 2 risk-based capital | $9,192,000 | 546 |
| Total risk weighted assets | $735,177,000 | 583 |
| Total unused commitments | $142,561,000 | 733 |
| Derivatives | $0 | 866 |
| 2005-03-31 | Rank | |
| # of Employees: | 155 | 1,048 |
| Assets and Liabilities | ||
| Total Assets: | $1,066,683,000 | 563 |
| Cash and due from depository institutions | $41,693,000 | 1,048 |
| Interest-bearing balances | $25,773,000 | 209 |
| Securities | $358,939,000 | 388 |
| Federal funds sold & reverse repurchase agreements | $1,210,000 | 4,787 |
| Net loans & leases | $621,310,000 | 631 |
| Loan loss allowance | $8,738,000 | 549 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $17,769,000 | 489 |
| Other real estate owned | $425,000 | 1,048 |
| Goodwill and other intangibles | $0 | 3,297 |
| All other assets | $25,337,000 | 661 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $1,066,683,000 | 563 |
| Total liabilities | $962,474,000 | 564 |
| Total deposits | $883,761,000 | 510 |
| Interest-bearing deposits | $755,962,000 | 509 |
| Deposits held in domestic offices | $883,761,000 | 509 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,328 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $75,500,000 | 647 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $3,213,000 | 1,350 |
| Total equity capital | $104,209,000 | 578 |
| Total bank equity capital | $104,209,000 | 578 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $6,178,000 | 602 |
| Surplus | $82,682,000 | 351 |
| Undivided profits | $15,349,000 | 2,066 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,677,000 | 584 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $4,067,000 | 663 |
| Earning assets | $1,007,232,000 | 553 |
| Long-term assets (5+ years) | $268,757,000 | 409 |
| Average Assets, year-to-date | $1,098,002,500 | 545 |
| Average Assets, quarterly | $1,098,002,500 | 545 |
| Volatile liabilities | $290,881,000 | 496 |
| Insider loans | $890,000 | 4,382 |
| FHLB advances | $75,000,000 | 582 |
| Loans and leases held for sale | $0 | 1,762 |
| Unused loan commitments | $138,164,000 | 748 |
| Tier 1 (core) risk-based capital | $109,343,000 | 500 |
| Tier 2 risk-based capital | $8,688,000 | 561 |
| Total risk weighted assets | $694,994,000 | 601 |
| Total unused commitments | $138,164,000 | 748 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 164 | 999 |
| Assets and Liabilities | ||
| Total Assets: | $1,129,322,000 | 539 |
| Cash and due from depository institutions | $21,206,000 | 999 |
| Interest-bearing balances | $441,000 | 3,600 |
| Securities | $472,938,000 | 330 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,164 |
| Net loans & leases | $590,596,000 | 663 |
| Loan loss allowance | $8,121,000 | 592 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $16,137,000 | 556 |
| Other real estate owned | $895,000 | 999 |
| Goodwill and other intangibles | $0 | 3,293 |
| All other assets | $27,550,000 | 610 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $1,129,322,000 | 539 |
| Total liabilities | $1,022,646,000 | 527 |
| Total deposits | $886,536,000 | 508 |
| Interest-bearing deposits | $757,557,000 | 498 |
| Deposits held in domestic offices | $886,536,000 | 507 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,470 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $132,900,000 | 438 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $3,210,000 | 1,313 |
| Total equity capital | $106,676,000 | 567 |
| Total bank equity capital | $106,676,000 | 567 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $6,178,000 | 588 |
| Surplus | $82,676,000 | 351 |
| Undivided profits | $17,822,000 | 1,868 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,551,000 | 1,644 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $4,459,000 | 598 |
| Earning assets | $1,063,975,000 | 520 |
| Long-term assets (5+ years) | $257,941,000 | 435 |
| Average Assets, year-to-date | $1,034,993,600 | 559 |
| Average Assets, quarterly | $1,111,284,000 | 540 |
| Volatile liabilities | $320,928,000 | 459 |
| Insider loans | $992,000 | 4,146 |
| FHLB advances | $132,400,000 | 380 |
| Loans and leases held for sale | $0 | 1,753 |
| Unused loan commitments | $95,644,000 | 951 |
| Tier 1 (core) risk-based capital | $110,954,000 | 492 |
| Tier 2 risk-based capital | $8,121,000 | 609 |
| Total risk weighted assets | $685,980,000 | 610 |
| Total unused commitments | $95,644,000 | 951 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 156 | 1,047 |
| Assets and Liabilities | ||
| Total Assets: | $1,093,246,000 | 548 |
| Cash and due from depository institutions | $15,842,000 | 1,047 |
| Interest-bearing balances | $2,179,000 | 1,992 |
| Securities | $489,750,000 | 312 |
| Federal funds sold & reverse repurchase agreements | $1,735,000 | 3,856 |
| Net loans & leases | $545,712,000 | 700 |
| Loan loss allowance | $7,473,000 | 650 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $13,837,000 | 651 |
| Other real estate owned | $2,183,000 | 1,047 |
| Goodwill and other intangibles | $0 | 3,268 |
| All other assets | $24,187,000 | 672 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $1,093,246,000 | 548 |
| Total liabilities | $987,526,000 | 540 |
| Total deposits | $833,157,000 | 527 |
| Interest-bearing deposits | $712,191,000 | 526 |
| Deposits held in domestic offices | $833,157,000 | 524 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,678 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $151,500,000 | 401 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $2,869,000 | 1,442 |
| Total equity capital | $105,720,000 | 562 |
| Total bank equity capital | $105,720,000 | 562 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $6,178,000 | 583 |
| Surplus | $82,676,000 | 352 |
| Undivided profits | $16,866,000 | 1,966 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,236,000 | 1,257 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $4,886,000 | 553 |
| Earning assets | $1,039,376,000 | 524 |
| Long-term assets (5+ years) | $258,532,000 | 444 |
| Average Assets, year-to-date | $1,011,411,500 | 567 |
| Average Assets, quarterly | $1,091,750,000 | 544 |
| Volatile liabilities | $331,016,000 | 444 |
| Insider loans | $1,312,000 | 3,526 |
| FHLB advances | $151,000,000 | 342 |
| Loans and leases held for sale | $0 | 1,808 |
| Unused loan commitments | $104,849,000 | 894 |
| Tier 1 (core) risk-based capital | $108,897,000 | 500 |
| Tier 2 risk-based capital | $7,473,000 | 643 |
| Total risk weighted assets | $649,680,000 | 635 |
| Total unused commitments | $104,849,000 | 896 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 157 | 1,048 |
| Assets and Liabilities | ||
| Total Assets: | $1,090,254,000 | 540 |
| Cash and due from depository institutions | $17,354,000 | 1,048 |
| Interest-bearing balances | $92,000 | 5,432 |
| Securities | $522,206,000 | 302 |
| Federal funds sold & reverse repurchase agreements | $6,100,000 | 1,712 |
| Net loans & leases | $505,487,000 | 726 |
| Loan loss allowance | $6,929,000 | 681 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $12,825,000 | 691 |
| Other real estate owned | $2,834,000 | 1,048 |
| Goodwill and other intangibles | $0 | 3,275 |
| All other assets | $23,448,000 | 690 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $1,090,254,000 | 540 |
| Total liabilities | $1,028,026,000 | 515 |
| Total deposits | $856,805,000 | 515 |
| Interest-bearing deposits | $741,855,000 | 498 |
| Deposits held in domestic offices | $856,805,000 | 512 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,750 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $168,500,000 | 365 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $2,721,000 | 1,385 |
| Total equity capital | $62,228,000 | 879 |
| Total bank equity capital | $62,228,000 | 879 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $6,178,000 | 570 |
| Surplus | $47,676,000 | 519 |
| Undivided profits | $8,374,000 | 3,296 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,626,000 | 1,085 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $4,376,000 | 579 |
| Earning assets | $1,033,885,000 | 515 |
| Long-term assets (5+ years) | $266,756,000 | 447 |
| Average Assets, year-to-date | $984,133,330 | 580 |
| Average Assets, quarterly | $1,033,493,500 | 561 |
| Volatile liabilities | $438,048,000 | 364 |
| Insider loans | $1,022,000 | 4,026 |
| FHLB advances | $168,000,000 | 313 |
| Loans and leases held for sale | $0 | 1,820 |
| Unused loan commitments | $111,234,000 | 828 |
| Tier 1 (core) risk-based capital | $71,561,000 | 726 |
| Tier 2 risk-based capital | $6,929,000 | 680 |
| Total risk weighted assets | $624,442,000 | 648 |
| Total unused commitments | $111,234,000 | 830 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 146 | 1,142 |
| Assets and Liabilities | ||
| Total Assets: | $976,733,000 | 594 |
| Cash and due from depository institutions | $21,457,000 | 1,142 |
| Interest-bearing balances | $339,000 | 4,138 |
| Securities | $441,941,000 | 343 |
| Federal funds sold & reverse repurchase agreements | $28,200,000 | 483 |
| Net loans & leases | $454,691,000 | 796 |
| Loan loss allowance | $6,181,000 | 762 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $15,729,000 | 531 |
| Other real estate owned | $2,255,000 | 1,142 |
| Goodwill and other intangibles | $0 | 3,256 |
| All other assets | $12,460,000 | 1,172 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $976,733,000 | 594 |
| Total liabilities | $902,743,000 | 576 |
| Total deposits | $844,174,000 | 511 |
| Interest-bearing deposits | $731,852,000 | 504 |
| Deposits held in domestic offices | $844,174,000 | 508 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,174 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $55,500,000 | 770 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $3,069,000 | 1,414 |
| Total equity capital | $73,990,000 | 756 |
| Total bank equity capital | $73,990,000 | 756 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $6,178,000 | 566 |
| Surplus | $47,676,000 | 512 |
| Undivided profits | $20,136,000 | 1,677 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,293,000 | 1,310 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $3,619,000 | 694 |
| Earning assets | $925,171,000 | 572 |
| Long-term assets (5+ years) | $230,727,000 | 488 |
| Average Assets, year-to-date | $931,073,000 | 613 |
| Average Assets, quarterly | $931,073,000 | 613 |
| Volatile liabilities | $348,411,000 | 424 |
| Insider loans | $1,112,000 | 3,820 |
| FHLB advances | $55,000,000 | 699 |
| Loans and leases held for sale | $0 | 1,884 |
| Unused loan commitments | $80,486,000 | 1,039 |
| Tier 1 (core) risk-based capital | $73,381,000 | 691 |
| Tier 2 risk-based capital | $6,181,000 | 751 |
| Total risk weighted assets | $547,854,000 | 710 |
| Total unused commitments | $80,486,000 | 1,041 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 149 | 1,121 |
| Assets and Liabilities | ||
| Total Assets: | $885,413,000 | 644 |
| Cash and due from depository institutions | $27,905,000 | 1,121 |
| Interest-bearing balances | $501,000 | 3,633 |
| Securities | $403,611,000 | 375 |
| Federal funds sold & reverse repurchase agreements | $3,195,000 | 3,175 |
| Net loans & leases | $418,815,000 | 852 |
| Loan loss allowance | $5,650,000 | 827 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $15,791,000 | 519 |
| Other real estate owned | $40,000 | 1,121 |
| Goodwill and other intangibles | $0 | 3,237 |
| All other assets | $16,056,000 | 938 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $885,413,000 | 644 |
| Total liabilities | $814,466,000 | 633 |
| Total deposits | $734,208,000 | 581 |
| Interest-bearing deposits | $632,222,000 | 575 |
| Deposits held in domestic offices | $734,208,000 | 579 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,433 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $77,800,000 | 634 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $2,458,000 | 1,598 |
| Total equity capital | $70,947,000 | 777 |
| Total bank equity capital | $70,947,000 | 777 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $6,178,000 | 572 |
| Surplus | $47,676,000 | 516 |
| Undivided profits | $17,093,000 | 1,877 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,496,000 | 1,228 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $3,500,000 | 724 |
| Earning assets | $826,122,000 | 635 |
| Long-term assets (5+ years) | $99,700,000 | 1,075 |
| Average Assets, year-to-date | $737,836,800 | 745 |
| Average Assets, quarterly | $854,387,500 | 666 |
| Volatile liabilities | $299,162,000 | 463 |
| Insider loans | $1,126,000 | 3,776 |
| FHLB advances | $77,300,000 | 559 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $66,538,000 | 1,172 |
| Tier 1 (core) risk-based capital | $72,677,000 | 695 |
| Tier 2 risk-based capital | $5,650,000 | 820 |
| Total risk weighted assets | $491,783,000 | 777 |
| Total unused commitments | $66,538,000 | 1,174 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 143 | 1,187 |
| Assets and Liabilities | ||
| Total Assets: | $823,362,000 | 703 |
| Cash and due from depository institutions | $28,592,000 | 1,187 |
| Interest-bearing balances | $366,000 | 4,128 |
| Securities | $360,285,000 | 414 |
| Federal funds sold & reverse repurchase agreements | $110,000 | 6,440 |
| Net loans & leases | $401,422,000 | 880 |
| Loan loss allowance | $5,329,000 | 892 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $15,779,000 | 523 |
| Other real estate owned | $736,000 | 1,187 |
| Goodwill and other intangibles | $0 | 3,226 |
| All other assets | $16,438,000 | 929 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $823,362,000 | 703 |
| Total liabilities | $762,728,000 | 683 |
| Total deposits | $684,519,000 | 624 |
| Interest-bearing deposits | $578,311,000 | 646 |
| Deposits held in domestic offices | $684,519,000 | 622 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,347 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $75,982,000 | 620 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $2,227,000 | 1,771 |
| Total equity capital | $60,634,000 | 927 |
| Total bank equity capital | $60,634,000 | 927 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $6,178,000 | 563 |
| Surplus | $37,676,000 | 634 |
| Undivided profits | $16,780,000 | 1,924 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,291,000 | 1,431 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $3,364,000 | 781 |
| Earning assets | $762,183,000 | 694 |
| Long-term assets (5+ years) | $151,416,000 | 729 |
| Average Assets, year-to-date | $700,942,750 | 796 |
| Average Assets, quarterly | $786,332,000 | 728 |
| Volatile liabilities | $320,026,000 | 448 |
| Insider loans | $1,575,000 | 3,079 |
| FHLB advances | $75,500,000 | 546 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $62,275,000 | 1,242 |
| Tier 1 (core) risk-based capital | $61,655,000 | 831 |
| Tier 2 risk-based capital | $5,329,000 | 856 |
| Total risk weighted assets | $462,966,000 | 826 |
| Total unused commitments | $62,275,000 | 1,246 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 137 | 1,247 |
| Assets and Liabilities | ||
| Total Assets: | $749,302,000 | 760 |
| Cash and due from depository institutions | $31,072,000 | 1,247 |
| Interest-bearing balances | $5,369,000 | 1,417 |
| Securities | $301,135,000 | 485 |
| Federal funds sold & reverse repurchase agreements | $6,235,000 | 2,505 |
| Net loans & leases | $382,998,000 | 915 |
| Loan loss allowance | $4,650,000 | 981 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $13,838,000 | 599 |
| Other real estate owned | $696,000 | 1,247 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $13,328,000 | 1,069 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $749,302,000 | 760 |
| Total liabilities | $687,959,000 | 743 |
| Total deposits | $601,515,000 | 710 |
| Interest-bearing deposits | $487,940,000 | 776 |
| Deposits held in domestic offices | $601,515,000 | 706 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,266 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $83,500,000 | 591 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $2,944,000 | 1,500 |
| Total equity capital | $61,343,000 | 907 |
| Total bank equity capital | $61,343,000 | 907 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $6,178,000 | 554 |
| Surplus | $37,676,000 | 620 |
| Undivided profits | $17,489,000 | 1,869 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,661,000 | 900 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $2,533,000 | 1,070 |
| Earning assets | $695,737,000 | 750 |
| Long-term assets (5+ years) | $138,994,000 | 752 |
| Average Assets, year-to-date | $660,136,330 | 836 |
| Average Assets, quarterly | $701,337,500 | 800 |
| Volatile liabilities | $285,128,000 | 480 |
| Insider loans | $1,780,000 | 2,813 |
| FHLB advances | $83,000,000 | 515 |
| Loans and leases held for sale | $0 | 2,044 |
| Unused loan commitments | $65,804,000 | 1,158 |
| Tier 1 (core) risk-based capital | $60,610,000 | 825 |
| Tier 2 risk-based capital | $4,664,000 | 925 |
| Total risk weighted assets | $436,985,000 | 859 |
| Total unused commitments | $65,804,000 | 1,169 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 133 | 1,274 |
| Assets and Liabilities | ||
| Total Assets: | $653,373,000 | 851 |
| Cash and due from depository institutions | $33,537,000 | 1,274 |
| Interest-bearing balances | $6,196,000 | 1,286 |
| Securities | $238,604,000 | 580 |
| Federal funds sold & reverse repurchase agreements | $4,329,000 | 3,531 |
| Net loans & leases | $353,476,000 | 986 |
| Loan loss allowance | $4,273,000 | 1,059 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $13,954,000 | 588 |
| Other real estate owned | $0 | 1,274 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $9,473,000 | 1,432 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $653,373,000 | 851 |
| Total liabilities | $592,631,000 | 843 |
| Total deposits | $521,083,000 | 826 |
| Interest-bearing deposits | $418,534,000 | 882 |
| Deposits held in domestic offices | $521,083,000 | 823 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,057 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $69,500,000 | 641 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $2,048,000 | 2,006 |
| Total equity capital | $60,742,000 | 895 |
| Total bank equity capital | $60,742,000 | 895 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $6,178,000 | 544 |
| Surplus | $37,676,000 | 621 |
| Undivided profits | $16,888,000 | 1,882 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $4,078,000 | 800 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $2,346,000 | 1,192 |
| Earning assets | $602,605,000 | 844 |
| Long-term assets (5+ years) | $94,722,000 | 1,045 |
| Average Assets, year-to-date | $615,553,500 | 884 |
| Average Assets, quarterly | $615,553,500 | 884 |
| Volatile liabilities | $222,529,000 | 563 |
| Insider loans | $1,501,000 | 3,091 |
| FHLB advances | $69,000,000 | 569 |
| Loans and leases held for sale | $0 | 1,961 |
| Unused loan commitments | $67,050,000 | 1,122 |
| Tier 1 (core) risk-based capital | $59,628,000 | 834 |
| Tier 2 risk-based capital | $4,273,000 | 984 |
| Total risk weighted assets | $383,692,000 | 951 |
| Total unused commitments | $67,050,000 | 1,132 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 129 | 1,316 |
| Assets and Liabilities | ||
| Total Assets: | $577,734,000 | 938 |
| Cash and due from depository institutions | $44,172,000 | 1,316 |
| Interest-bearing balances | $3,892,000 | 1,671 |
| Securities | $173,475,000 | 730 |
| Federal funds sold & reverse repurchase agreements | $154,000 | 6,814 |
| Net loans & leases | $338,496,000 | 1,016 |
| Loan loss allowance | $4,006,000 | 1,093 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $14,078,000 | 571 |
| Other real estate owned | $0 | 1,316 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $7,359,000 | 1,687 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $577,734,000 | 938 |
| Total liabilities | $529,342,000 | 917 |
| Total deposits | $526,349,000 | 789 |
| Interest-bearing deposits | $413,148,000 | 871 |
| Deposits held in domestic offices | $526,349,000 | 786 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,222 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $500,000 | 5,217 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $2,493,000 | 1,713 |
| Total equity capital | $48,392,000 | 1,082 |
| Total bank equity capital | $48,392,000 | 1,082 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $6,178,000 | 541 |
| Surplus | $24,871,000 | 831 |
| Undivided profits | $17,343,000 | 1,796 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,526,000 | 1,222 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $1,978,000 | 1,534 |
| Earning assets | $516,017,000 | 950 |
| Long-term assets (5+ years) | $101,652,000 | 950 |
| Average Assets, year-to-date | $524,449,200 | 979 |
| Average Assets, quarterly | $575,355,500 | 930 |
| Volatile liabilities | $99,141,000 | 1,039 |
| Insider loans | $1,538,000 | 3,040 |
| FHLB advances | $0 | 5,074 |
| Loans and leases held for sale | $0 | 1,889 |
| Unused loan commitments | $53,217,000 | 1,279 |
| Tier 1 (core) risk-based capital | $47,061,000 | 1,028 |
| Tier 2 risk-based capital | $4,006,000 | 1,024 |
| Total risk weighted assets | $359,750,000 | 992 |
| Total unused commitments | $53,217,000 | 1,280 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 107 | 1,584 |
| Assets and Liabilities | ||
| Total Assets: | $464,094,000 | 1,114 |
| Cash and due from depository institutions | $40,888,000 | 1,584 |
| Interest-bearing balances | $28,701,000 | 228 |
| Securities | $126,442,000 | 907 |
| Federal funds sold & reverse repurchase agreements | $0 | 7,110 |
| Net loans & leases | $277,549,000 | 1,188 |
| Loan loss allowance | $3,371,000 | 1,228 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $11,781,000 | 699 |
| Other real estate owned | $0 | 1,584 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $7,434,000 | 1,585 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $464,094,000 | 1,114 |
| Total liabilities | $433,840,000 | 1,073 |
| Total deposits | $420,848,000 | 940 |
| Interest-bearing deposits | $327,124,000 | 1,045 |
| Deposits held in domestic offices | $420,848,000 | 939 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,416 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $10,500,000 | 2,081 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $2,492,000 | 1,693 |
| Total equity capital | $30,254,000 | 1,615 |
| Total bank equity capital | $30,254,000 | 1,615 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $6,178,000 | 534 |
| Surplus | $10,869,000 | 1,585 |
| Undivided profits | $13,207,000 | 2,153 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $487,000 | 4,259 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $1,829,000 | 1,817 |
| Earning assets | $432,692,000 | 1,076 |
| Long-term assets (5+ years) | $119,566,000 | 820 |
| Average Assets, year-to-date | $402,494,200 | 1,211 |
| Average Assets, quarterly | $437,175,500 | 1,151 |
| Volatile liabilities | $106,064,000 | 949 |
| Insider loans | $2,148,000 | 2,252 |
| FHLB advances | $10,000,000 | 1,992 |
| Loans and leases held for sale | $0 | 1,749 |
| Unused loan commitments | $51,653,000 | 1,227 |
| Tier 1 (core) risk-based capital | $30,654,000 | 1,508 |
| Tier 2 risk-based capital | $3,371,000 | 1,154 |
| Total risk weighted assets | $289,133,000 | 1,181 |
| Total unused commitments | $51,653,000 | 1,233 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 92 | 1,812 |
| Assets and Liabilities | ||
| Total Assets: | $369,403,000 | 1,310 |
| Cash and due from depository institutions | $26,767,000 | 1,812 |
| Interest-bearing balances | $52,000 | 5,332 |
| Securities | $77,467,000 | 1,422 |
| Federal funds sold & reverse repurchase agreements | $436,000 | 6,274 |
| Net loans & leases | $247,694,000 | 1,283 |
| Loan loss allowance | $2,501,000 | 1,550 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $12,198,000 | 635 |
| Other real estate owned | $119,000 | 1,812 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $4,722,000 | 1,913 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $369,403,000 | 1,310 |
| Total liabilities | $344,616,000 | 1,267 |
| Total deposits | $341,766,000 | 1,111 |
| Interest-bearing deposits | $268,660,000 | 1,235 |
| Deposits held in domestic offices | $341,766,000 | 1,105 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,755 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $500,000 | 4,970 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $2,350,000 | 1,803 |
| Total equity capital | $24,787,000 | 1,858 |
| Total bank equity capital | $24,787,000 | 1,858 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $6,178,000 | 533 |
| Surplus | $8,369,000 | 1,963 |
| Undivided profits | $10,240,000 | 2,568 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $745,000 | 2,882 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $1,397,000 | 1,877 |
| Earning assets | $325,649,000 | 1,358 |
| Long-term assets (5+ years) | $88,931,000 | 1,019 |
| Average Assets, year-to-date | $339,140,800 | 1,347 |
| Average Assets, quarterly | $358,769,000 | 1,325 |
| Volatile liabilities | $67,567,000 | 1,350 |
| Insider loans | $2,986,000 | 1,628 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $44,557,000 | 1,275 |
| Tier 1 (core) risk-based capital | $25,302,000 | 1,734 |
| Tier 2 risk-based capital | $2,501,000 | 1,449 |
| Total risk weighted assets | $242,217,200 | 1,344 |
| Total unused commitments | $44,557,000 | 1,276 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 90 | 1,917 |
| Assets and Liabilities | ||
| Total Assets: | $310,552,000 | 1,522 |
| Cash and due from depository institutions | $14,348,000 | 1,917 |
| Interest-bearing balances | $19,000 | 6,040 |
| Securities | $80,627,000 | 1,418 |
| Federal funds sold & reverse repurchase agreements | $268,000 | 6,212 |
| Net loans & leases | $198,836,000 | 1,528 |
| Loan loss allowance | $1,899,000 | 1,935 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $11,133,000 | 697 |
| Other real estate owned | $0 | 1,917 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $5,340,000 | 1,687 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $310,552,000 | 1,522 |
| Total liabilities | $290,175,000 | 1,466 |
| Total deposits | $276,538,000 | 1,349 |
| Interest-bearing deposits | $186,326,000 | 1,768 |
| Deposits held in domestic offices | $276,538,000 | 1,345 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $11,705,000 | 1,110 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $500,000 | 4,968 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $1,432,000 | 2,464 |
| Total equity capital | $20,377,000 | 2,182 |
| Total bank equity capital | $20,377,000 | 2,182 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $6,178,000 | 569 |
| Surplus | $8,369,000 | 1,943 |
| Undivided profits | $5,830,000 | 3,758 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $523,000 | 3,559 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $968,000 | 2,344 |
| Earning assets | $279,750,000 | 1,550 |
| Long-term assets (5+ years) | $98,707,000 | 969 |
| Average Assets, year-to-date | $287,595,600 | 1,566 |
| Average Assets, quarterly | $311,379,000 | 1,491 |
| Volatile liabilities | $56,150,000 | 1,510 |
| Insider loans | $4,307,000 | 1,094 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $38,318,000 | 1,456 |
| Tier 1 (core) risk-based capital | $22,884,000 | 1,917 |
| Tier 2 risk-based capital | $1,899,000 | 1,790 |
| Total risk weighted assets | $212,216,800 | 1,475 |
| Total unused commitments | $38,318,000 | 1,458 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 79 | 2,211 |
| Assets and Liabilities | ||
| Total Assets: | $257,242,000 | 1,798 |
| Cash and due from depository institutions | $22,294,000 | 2,211 |
| Interest-bearing balances | $6,222,000 | 1,005 |
| Securities | $54,261,000 | 2,135 |
| Federal funds sold & reverse repurchase agreements | $5,946,000 | 2,909 |
| Net loans & leases | $162,065,000 | 1,733 |
| Loan loss allowance | $1,498,000 | 2,348 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $9,808,000 | 751 |
| Other real estate owned | $0 | 2,211 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $2,868,000 | 2,574 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $257,242,000 | 1,798 |
| Total liabilities | $240,581,000 | 1,738 |
| Total deposits | $223,966,000 | 1,677 |
| Interest-bearing deposits | $150,832,000 | 2,149 |
| Deposits held in domestic offices | $223,966,000 | 1,672 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $15,500,000 | 1,210 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,115,000 | 3,213 |
| Total equity capital | $16,661,000 | 2,683 |
| Total bank equity capital | $16,661,000 | 2,683 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $6,178,000 | 558 |
| Surplus | $4,135,000 | 3,315 |
| Undivided profits | $6,348,000 | 3,717 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,205,000 | 2,067 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $832,000 | 2,741 |
| Earning assets | $228,494,000 | 1,866 |
| Long-term assets (5+ years) | $65,169,000 | 1,272 |
| Average Assets, year-to-date | $231,877,800 | 1,886 |
| Average Assets, quarterly | $249,081,500 | 1,822 |
| Volatile liabilities | $34,104,000 | 1,943 |
| Insider loans | $4,226,000 | 1,013 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $36,271,000 | 1,440 |
| Tier 1 (core) risk-based capital | $16,537,000 | 2,575 |
| Tier 2 risk-based capital | $1,498,000 | 2,112 |
| Total risk weighted assets | $157,612,900 | 1,824 |
| Total unused commitments | $36,271,000 | 1,445 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 72 | 2,497 |
| Assets and Liabilities | ||
| Total Assets: | $216,185,000 | 2,110 |
| Cash and due from depository institutions | $11,975,000 | 2,497 |
| Interest-bearing balances | $705,000 | 2,794 |
| Securities | $37,296,000 | 3,020 |
| Federal funds sold & reverse repurchase agreements | $29,258,000 | 462 |
| Net loans & leases | $128,201,000 | 2,177 |
| Loan loss allowance | $714,000 | 4,429 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $7,470,000 | 1,009 |
| Other real estate owned | $0 | 2,497 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,985,000 | 3,532 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $216,185,000 | 2,110 |
| Total liabilities | $202,650,000 | 2,038 |
| Total deposits | $201,255,000 | 1,874 |
| Interest-bearing deposits | $143,985,000 | 2,233 |
| Deposits held in domestic offices | $201,255,000 | 1,867 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $500,000 | 4,005 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $895,000 | 3,893 |
| Total equity capital | $13,535,000 | 3,267 |
| Total bank equity capital | $13,535,000 | 3,267 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $6,178,000 | 573 |
| Surplus | $2,433,000 | 4,821 |
| Undivided profits | $4,924,000 | 4,509 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $183,000 | 6,521 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $743,000 | 3,150 |
| Earning assets | $195,460,000 | 2,144 |
| Long-term assets (5+ years) | $34,430,000 | 1,892 |
| Average Assets, year-to-date | $180,906,000 | 2,372 |
| Average Assets, quarterly | $199,235,500 | 2,252 |
| Volatile liabilities | $23,758,000 | 2,597 |
| Insider loans | $2,584,000 | 1,638 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $19,202,000 | 2,174 |
| Tier 1 (core) risk-based capital | $13,440,000 | 3,154 |
| Tier 2 risk-based capital | $714,000 | 3,920 |
| Total risk weighted assets | $133,555,300 | 2,092 |
| Total unused commitments | $19,202,000 | 2,180 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 68 | 2,788 |
| Assets and Liabilities | ||
| Total Assets: | $171,221,000 | 2,705 |
| Cash and due from depository institutions | $12,045,000 | 2,788 |
| Interest-bearing balances | $60,000 | 5,290 |
| Securities | $29,854,000 | 3,924 |
| Federal funds sold & reverse repurchase agreements | $10,018,000 | 1,292 |
| Net loans & leases | $109,626,000 | 2,567 |
| Loan loss allowance | $549,000 | 5,538 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $7,692,000 | 1,023 |
| Other real estate owned | $0 | 2,788 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,986,000 | 3,629 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $171,221,000 | 2,705 |
| Total liabilities | $160,405,000 | 2,597 |
| Total deposits | $149,095,000 | 2,595 |
| Interest-bearing deposits | $108,115,000 | 3,046 |
| Deposits held in domestic offices | $149,095,000 | 2,586 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $10,386,000 | 1,296 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $924,000 | 3,746 |
| Total equity capital | $10,816,000 | 4,059 |
| Total bank equity capital | $10,816,000 | 4,059 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $6,185,000 | 603 |
| Surplus | $1,293,000 | 6,926 |
| Undivided profits | $3,338,000 | 5,738 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $268,000 | 5,923 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $643,000 | 3,581 |
| Earning assets | $149,558,000 | 2,820 |
| Long-term assets (5+ years) | $23,740,000 | 2,347 |
| Average Assets, year-to-date | $162,488,400 | 2,722 |
| Average Assets, quarterly | $169,730,500 | 2,681 |
| Volatile liabilities | $19,751,000 | 2,932 |
| Insider loans | $2,545,000 | 1,683 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $413,000 | 1,022 |
| Unused loan commitments | $17,121,000 | 2,297 |
| Tier 1 (core) risk-based capital | $10,949,000 | 3,905 |
| Tier 2 risk-based capital | $549,000 | 4,906 |
| Total risk weighted assets | $110,770,100 | 2,529 |
| Total unused commitments | $17,121,000 | 2,312 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 81 | 2,399 |
| Assets and Liabilities | ||
| Total Assets: | $159,035,000 | 2,898 |
| Cash and due from depository institutions | $15,936,000 | 2,399 |
| Interest-bearing balances | $76,000 | 5,560 |
| Securities | $37,476,000 | 3,373 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $95,514,000 | 2,823 |
| Loan loss allowance | $423,000 | 6,739 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $8,501,000 | 894 |
| Other real estate owned | $0 | 2,399 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,608,000 | 4,384 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $159,035,000 | 2,898 |
| Total liabilities | $149,556,000 | 2,781 |
| Total deposits | $129,925,000 | 2,968 |
| Interest-bearing deposits | $98,256,000 | 3,331 |
| Deposits held in domestic offices | $129,925,000 | 2,959 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,101,000 | 2,148 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $16,060,000 | 937 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,470,000 | 2,684 |
| Total equity capital | $9,479,000 | 4,538 |
| Total bank equity capital | $9,479,000 | 4,538 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $6,185,000 | 604 |
| Surplus | $1,237,000 | 7,168 |
| Undivided profits | $2,057,000 | 7,397 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $30,000 | 9,842 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $529,000 | 4,483 |
| Earning assets | $133,066,000 | 3,150 |
| Long-term assets (5+ years) | $25,360,000 | 2,085 |
| Average Assets, year-to-date | $139,890,000 | 3,134 |
| Average Assets, quarterly | $151,812,500 | 2,991 |
| Volatile liabilities | $37,197,000 | 1,580 |
| Insider loans | $1,428,000 | 2,884 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $2,683,000 | 503 |
| Unused loan commitments | $13,961,000 | 2,568 |
| Tier 1 (core) risk-based capital | $9,664,000 | 4,343 |
| Tier 2 risk-based capital | $423,000 | 5,958 |
| Total risk weighted assets | $99,271,700 | 2,742 |
| Total unused commitments | $13,961,000 | 2,579 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 65 | 3,120 |
| Assets and Liabilities | ||
| Total Assets: | $124,965,000 | 3,551 |
| Cash and due from depository institutions | $4,733,000 | 3,120 |
| Interest-bearing balances | $41,000 | 6,194 |
| Securities | $37,472,000 | 3,506 |
| Federal funds sold & reverse repurchase agreements | $301,000 | 7,377 |
| Net loans & leases | $76,292,000 | 3,389 |
| Loan loss allowance | $564,000 | 5,674 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $5,131,000 | 1,438 |
| Other real estate owned | $0 | 3,120 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $1,036,000 | 6,581 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $124,965,000 | 3,551 |
| Total liabilities | $116,249,000 | 3,480 |
| Total deposits | $101,702,000 | 3,725 |
| Interest-bearing deposits | $81,124,000 | 4,003 |
| Deposits held in domestic offices | $101,702,000 | 3,717 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,700,000 | 2,811 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $12,500,000 | 1,111 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $347,000 | 6,688 |
| Total equity capital | $8,716,000 | 4,585 |
| Total bank equity capital | $8,716,000 | 4,585 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $5,656,000 | 663 |
| Surplus | $1,197,000 | 7,485 |
| Undivided profits | $1,863,000 | 7,372 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $600,000 | 3,810 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $407,000 | 5,106 |
| Earning assets | $114,106,000 | 3,561 |
| Long-term assets (5+ years) | $24,076,000 | 2,190 |
| Average Assets, year-to-date | $115,510,800 | 3,746 |
| Average Assets, quarterly | $121,498,000 | 3,620 |
| Volatile liabilities | $30,357,000 | 1,808 |
| Insider loans | $1,097,000 | 3,455 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $469,000 | 836 |
| Unused loan commitments | $11,888,000 | 2,784 |
| Tier 1 (core) risk-based capital | $9,059,000 | 4,495 |
| Tier 2 risk-based capital | $564,000 | 4,791 |
| Total risk weighted assets | $78,543,500 | 3,312 |
| Total unused commitments | $11,888,000 | 2,795 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 55 | 3,774 |
| Assets and Liabilities | ||
| Total Assets: | $112,249,000 | 4,007 |
| Cash and due from depository institutions | $4,993,000 | 3,774 |
| Interest-bearing balances | $20,000 | 7,297 |
| Securities | $40,526,000 | 3,428 |
| Federal funds sold & reverse repurchase agreements | $2,092,000 | 5,620 |
| Net loans & leases | $59,165,000 | 4,157 |
| Loan loss allowance | $462,000 | 6,729 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $4,456,000 | 1,637 |
| Other real estate owned | $0 | 3,774 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,017,000 | 6,016 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $112,249,000 | 4,007 |
| Total liabilities | $105,017,000 | 3,890 |
| Total deposits | $89,349,000 | 4,325 |
| Interest-bearing deposits | $65,262,000 | 5,050 |
| Deposits held in domestic offices | $89,349,000 | 4,318 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $15,167,000 | 873 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $501,000 | 5,321 |
| Total equity capital | $7,232,000 | 5,452 |
| Total bank equity capital | $7,232,000 | 5,452 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $4,657,000 | 829 |
| Surplus | $1,197,000 | 7,573 |
| Undivided profits | $1,378,000 | 8,672 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $687,000 | 4,065 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $289,000 | 6,268 |
| Earning assets | $101,803,000 | 4,050 |
| Long-term assets (5+ years) | $26,014,000 | 2,143 |
| Average Assets, year-to-date | $109,644,600 | 3,988 |
| Average Assets, quarterly | $111,881,000 | 3,983 |
| Volatile liabilities | $28,240,000 | 1,811 |
| Insider loans | $839,000 | 4,212 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $1,816,000 | 844 |
| Unused loan commitments | $6,839,000 | 4,022 |
| Tier 1 (core) risk-based capital | $7,232,000 | 5,376 |
| Tier 2 risk-based capital | $462,000 | 5,628 |
| Total risk weighted assets | $67,607,500 | 3,745 |
| Total unused commitments | $6,839,000 | 4,046 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 51 | 4,156 |
| Assets and Liabilities | ||
| Total Assets: | $109,161,000 | 4,183 |
| Cash and due from depository institutions | $6,614,000 | 4,156 |
| Interest-bearing balances | $664,000 | 4,489 |
| Securities | $39,144,000 | 3,520 |
| Federal funds sold & reverse repurchase agreements | $1,797,000 | 6,905 |
| Net loans & leases | $55,588,000 | 4,435 |
| Loan loss allowance | $503,000 | 6,429 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $4,620,000 | 1,594 |
| Other real estate owned | $200,000 | 4,156 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,198,000 | 5,495 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $109,161,000 | 4,183 |
| Total liabilities | $102,578,000 | 4,090 |
| Total deposits | $87,888,000 | 4,534 |
| Interest-bearing deposits | $64,758,000 | 5,218 |
| Deposits held in domestic offices | $87,888,000 | 4,527 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $14,125,000 | 818 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $565,000 | 5,270 |
| Total equity capital | $6,583,000 | 5,671 |
| Total bank equity capital | $6,583,000 | 5,671 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $4,657,000 | 832 |
| Surplus | $1,198,000 | 7,565 |
| Undivided profits | $728,000 | 10,314 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $275,000 | 7,480 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $264,000 | 7,224 |
| Earning assets | $97,193,000 | 4,269 |
| Long-term assets (5+ years) | $16,486,000 | 3,012 |
| Average Assets, year-to-date | $121,237,200 | 3,733 |
| Average Assets, quarterly | $109,200,500 | 4,149 |
| Volatile liabilities | $28,512,000 | 1,783 |
| Insider loans | $97,000 | 5,790 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $5,133,000 | 4,549 |
| Tier 1 (core) risk-based capital | $6,583,000 | 5,611 |
| Tier 2 risk-based capital | $503,000 | 5,175 |
| Total risk weighted assets | $64,333,000 | 3,992 |
| Total unused commitments | $5,133,000 | 4,574 |
| Derivatives | $0 | 651 |