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The F&M Bank & Trust Company, Assets and Liabilities

2014-03-31Rank
# of Employees:350417
Assets and Liabilities
Total Assets:$2,413,661,000314
Cash and due from depository institutions$507,198,000417
Interest-bearing balances$452,291,000106
Securities$71,952,0002,022
Federal funds sold & reverse repurchase agreements$14,734,000320
Net loans & leases$1,703,640,000290
Loan loss allowance$34,316,000227
Trading account assets$0247
Bank premises and fixed assets$22,332,000511
Other real estate owned$1,237,000417
Goodwill and other intangibles$02,875
All other assets$92,568,000284
Life insurance assets$49,977,000169
Total liabilities and capital$2,413,661,000314
Total liabilities$2,268,461,000295
Total deposits$2,266,284,000272
Interest-bearing deposits$2,021,344,000244
Deposits held in domestic offices$2,266,284,000271
% insured78.26%4,998
Federal funds purchased & repurchase agreements$01,959
Trading liabilities$0165
Other borrowed funds$03,804
Subordinated debt$0134
All other liabilities$2,177,0001,821
Total equity capital$145,200,000512
Total bank equity capital$145,200,000512
Perpetual preferred stock$0201
Common stock$6,000,000686
Surplus$136,669,000326
Undivided profits$2,531,0004,958
Noncontrolling interests in consolidated subsidiaries$0161
Memoranda
Noncurrent loans and leases$34,190,000241
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0998
Income earned, not collected on loans$4,767,000470
Earning assets$2,242,617,000303
Long-term assets (5+ years)$207,804,0001,091
Average Assets, year-to-date$2,489,356,500300
Average Assets, quarterly$2,489,356,500300
Volatile liabilities$101,213,000501
Insider loans$172,235,00020
FHLB advances$03,598
Loans and leases held for sale$6,104,000362
Unused loan commitments$489,663,000259
Tier 1 (core) risk-based capital$147,471,000482
Tier 2 risk-based capital$24,320,000254
Total risk weighted assets$1,935,320,000279
Total unused commitments$489,663,000259
Derivatives$14,235,000577
2013-12-31Rank
# of Employees:377385
Assets and Liabilities
Total Assets:$2,565,052,000291
Cash and due from depository institutions$611,883,000385
Interest-bearing balances$573,433,00089
Securities$92,283,0001,601
Federal funds sold & reverse repurchase agreements$8,550,000512
Net loans & leases$1,737,352,000279
Loan loss allowance$24,076,000300
Trading account assets$0247
Bank premises and fixed assets$26,933,000403
Other real estate owned$3,288,000385
Goodwill and other intangibles$02,889
All other assets$84,763,000316
Life insurance assets$49,595,000169
Total liabilities and capital$2,565,052,000291
Total liabilities$2,350,446,000282
Total deposits$2,333,156,000259
Interest-bearing deposits$2,133,750,000229
Deposits held in domestic offices$2,333,156,000258
% insured75.11%5,498
Federal funds purchased & repurchase agreements$02,281
Trading liabilities$0167
Other borrowed funds$03,907
Subordinated debt$0136
All other liabilities$17,290,000396
Total equity capital$214,606,000372
Total bank equity capital$214,606,000371
Perpetual preferred stock$0206
Common stock$6,000,000696
Surplus$130,690,000335
Undivided profits$77,916,000470
Noncontrolling interests in consolidated subsidiaries$0161
Memoranda
Noncurrent loans and leases$24,520,000339
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$0991
Income earned, not collected on loans$5,393,000431
Earning assets$2,411,618,000281
Long-term assets (5+ years)$204,425,0001,083
Average Assets, year-to-date$2,431,455,400302
Average Assets, quarterly$2,516,494,500297
Volatile liabilities$106,463,000482
Insider loans$87,796,00041
FHLB advances$03,709
Loans and leases held for sale$4,538,000440
Unused loan commitments$551,405,000228
Tier 1 (core) risk-based capital$217,050,000339
Tier 2 risk-based capital$24,341,000251
Total risk weighted assets$2,001,514,000272
Total unused commitments$551,405,000228
Derivatives$9,730,000626
2013-09-30Rank
# of Employees:396366
Assets and Liabilities
Total Assets:$2,467,937,000303
Cash and due from depository institutions$395,962,000366
Interest-bearing balances$345,790,000131
Securities$97,338,0001,537
Federal funds sold & reverse repurchase agreements$2,834,0001,193
Net loans & leases$1,858,287,000265
Loan loss allowance$23,699,000319
Trading account assets$0248
Bank premises and fixed assets$27,165,000403
Other real estate owned$3,324,000366
Goodwill and other intangibles$02,909
All other assets$83,027,000319
Life insurance assets$49,216,000170
Total liabilities and capital$2,467,937,000303
Total liabilities$2,257,420,000294
Total deposits$2,237,889,000266
Interest-bearing deposits$2,018,956,000231
Deposits held in domestic offices$2,237,889,000265
% insured79.72%4,993
Federal funds purchased & repurchase agreements$02,308
Trading liabilities$0163
Other borrowed funds$03,930
Subordinated debt$0150
All other liabilities$19,531,000372
Total equity capital$210,517,000377
Total bank equity capital$210,517,000376
Perpetual preferred stock$0217
Common stock$6,000,000706
Surplus$128,636,000334
Undivided profits$75,881,000483
Noncontrolling interests in consolidated subsidiaries$0159
Memoranda
Noncurrent loans and leases$8,206,000991
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,015
Income earned, not collected on loans$6,231,000388
Earning assets$2,304,249,000291
Long-term assets (5+ years)$209,476,0001,049
Average Assets, year-to-date$2,398,056,250304
Average Assets, quarterly$2,451,118,500303
Volatile liabilities$95,803,000539
Insider loans$87,223,00043
FHLB advances$03,717
Loans and leases held for sale$6,297,000414
Unused loan commitments$599,621,000213
Tier 1 (core) risk-based capital$214,342,000342
Tier 2 risk-based capital$23,957,000258
Total risk weighted assets$2,094,688,000259
Total unused commitments$599,621,000213
Derivatives$17,095,000549
2013-06-30Rank
# of Employees:418343
Assets and Liabilities
Total Assets:$2,434,300,000305
Cash and due from depository institutions$325,161,000343
Interest-bearing balances$289,436,000139
Securities$106,122,0001,410
Federal funds sold & reverse repurchase agreements$11,534,000404
Net loans & leases$1,876,423,000264
Loan loss allowance$23,712,000320
Trading account assets$0250
Bank premises and fixed assets$27,315,000397
Other real estate owned$3,324,000343
Goodwill and other intangibles$02,910
All other assets$84,421,000317
Life insurance assets$48,805,000170
Total liabilities and capital$2,434,300,000305
Total liabilities$2,222,768,000300
Total deposits$2,209,186,000265
Interest-bearing deposits$2,000,441,000235
Deposits held in domestic offices$2,209,186,000264
% insured78.44%5,356
Federal funds purchased & repurchase agreements$02,211
Trading liabilities$0154
Other borrowed funds$03,942
Subordinated debt$0152
All other liabilities$13,582,000488
Total equity capital$211,532,000368
Total bank equity capital$211,532,000367
Perpetual preferred stock$0228
Common stock$6,000,000706
Surplus$126,783,000338
Undivided profits$78,749,000455
Noncontrolling interests in consolidated subsidiaries$0162
Memoranda
Noncurrent loans and leases$10,186,000863
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,060
Income earned, not collected on loans$6,218,000378
Earning assets$2,283,515,000293
Long-term assets (5+ years)$224,078,000962
Average Assets, year-to-date$2,374,762,670311
Average Assets, quarterly$2,407,488,000306
Volatile liabilities$93,586,000541
Insider loans$93,977,00037
FHLB advances$03,718
Loans and leases held for sale$8,819,000454
Unused loan commitments$578,815,000217
Tier 1 (core) risk-based capital$215,427,000338
Tier 2 risk-based capital$23,964,000259
Total risk weighted assets$2,120,918,000254
Total unused commitments$578,815,000217
Derivatives$29,618,000489
2013-03-31Rank
# of Employees:386371
Assets and Liabilities
Total Assets:$2,380,676,000314
Cash and due from depository institutions$292,404,000371
Interest-bearing balances$254,195,000177
Securities$108,269,0001,401
Federal funds sold & reverse repurchase agreements$4,369,0001,314
Net loans & leases$1,862,022,000266
Loan loss allowance$24,646,000319
Trading account assets$0242
Bank premises and fixed assets$27,210,000391
Other real estate owned$3,602,000371
Goodwill and other intangibles$02,913
All other assets$82,800,000327
Life insurance assets$48,414,000171
Total liabilities and capital$2,380,676,000314
Total liabilities$2,173,569,000306
Total deposits$2,151,183,000275
Interest-bearing deposits$2,010,855,000236
Deposits held in domestic offices$2,151,183,000274
% insured79.33%5,270
Federal funds purchased & repurchase agreements$6,950,000959
Trading liabilities$0154
Other borrowed funds$03,908
Subordinated debt$0155
All other liabilities$15,436,000446
Total equity capital$207,107,000377
Total bank equity capital$207,107,000377
Perpetual preferred stock$0239
Common stock$6,000,000718
Surplus$123,651,000345
Undivided profits$77,456,000486
Noncontrolling interests in consolidated subsidiaries$0167
Memoranda
Noncurrent loans and leases$12,313,000784
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,043
Income earned, not collected on loans$6,305,000373
Earning assets$2,228,855,000300
Long-term assets (5+ years)$180,481,0001,171
Average Assets, year-to-date$2,344,994,000317
Average Assets, quarterly$2,344,994,000317
Volatile liabilities$99,535,000493
Insider loans$77,787,00047
FHLB advances$03,677
Loans and leases held for sale$11,422,000375
Unused loan commitments$568,825,000215
Tier 1 (core) risk-based capital$210,510,000345
Tier 2 risk-based capital$24,646,000254
Total risk weighted assets$2,089,855,000259
Total unused commitments$568,825,000215
Derivatives$11,422,000673
2012-12-31Rank
# of Employees:384373
Assets and Liabilities
Total Assets:$2,308,442,000326
Cash and due from depository institutions$257,939,000373
Interest-bearing balances$206,957,000197
Securities$69,034,0002,060
Federal funds sold & reverse repurchase agreements$8,864,000684
Net loans & leases$1,859,032,000265
Loan loss allowance$25,105,000323
Trading account assets$0243
Bank premises and fixed assets$27,297,000390
Other real estate owned$3,781,000373
Goodwill and other intangibles$02,913
All other assets$82,495,000325
Life insurance assets$48,004,000170
Total liabilities and capital$2,308,442,000326
Total liabilities$2,104,575,000318
Total deposits$2,076,127,000289
Interest-bearing deposits$1,902,188,000252
Deposits held in domestic offices$2,076,127,000287
% insured78.79%6,051
Federal funds purchased & repurchase agreements$10,586,000802
Trading liabilities$0152
Other borrowed funds$04,109
Subordinated debt$0159
All other liabilities$17,862,000410
Total equity capital$203,867,000380
Total bank equity capital$203,867,000380
Perpetual preferred stock$0246
Common stock$6,000,000721
Surplus$122,535,000351
Undivided profits$75,332,000494
Noncontrolling interests in consolidated subsidiaries$0169
Memoranda
Noncurrent loans and leases$12,759,000819
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,020
Income earned, not collected on loans$6,144,000387
Earning assets$2,143,887,000315
Long-term assets (5+ years)$176,260,0001,155
Average Assets, year-to-date$2,162,213,800331
Average Assets, quarterly$2,259,733,000323
Volatile liabilities$102,249,000498
Insider loans$104,281,00034
FHLB advances$03,864
Loans and leases held for sale$14,857,000399
Unused loan commitments$547,610,000219
Tier 1 (core) risk-based capital$207,271,000349
Tier 2 risk-based capital$25,105,000252
Total risk weighted assets$2,059,349,000259
Total unused commitments$547,610,000219
Derivatives$14,857,000631
2012-09-30Rank
# of Employees:376382
Assets and Liabilities
Total Assets:$2,211,024,000330
Cash and due from depository institutions$243,736,000382
Interest-bearing balances$213,057,000205
Securities$83,968,0001,757
Federal funds sold & reverse repurchase agreements$3,660,0001,301
Net loans & leases$1,771,982,000272
Loan loss allowance$23,269,000347
Trading account assets$0231
Bank premises and fixed assets$22,525,000490
Other real estate owned$3,407,000382
Goodwill and other intangibles$02,937
All other assets$81,746,000326
Life insurance assets$47,580,000163
Total liabilities and capital$2,211,024,000330
Total liabilities$2,011,082,000325
Total deposits$1,988,428,000300
Interest-bearing deposits$1,856,167,000252
Deposits held in domestic offices$1,988,428,000299
% insured79.88%6,087
Federal funds purchased & repurchase agreements$9,194,000910
Trading liabilities$0150
Other borrowed funds$04,201
Subordinated debt$0163
All other liabilities$13,460,000523
Total equity capital$199,942,000389
Total bank equity capital$199,942,000389
Perpetual preferred stock$0250
Common stock$6,000,000733
Surplus$122,535,000353
Undivided profits$71,407,000526
Noncontrolling interests in consolidated subsidiaries$0170
Memoranda
Noncurrent loans and leases$18,496,000649
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,078
Income earned, not collected on loans$5,733,000448
Earning assets$2,072,667,000318
Long-term assets (5+ years)$169,796,0001,191
Average Assets, year-to-date$2,125,656,750339
Average Assets, quarterly$2,175,039,000333
Volatile liabilities$99,394,000519
Insider loans$92,436,00038
FHLB advances$03,944
Loans and leases held for sale$13,866,000410
Unused loan commitments$594,221,000207
Tier 1 (core) risk-based capital$202,107,000355
Tier 2 risk-based capital$23,269,000262
Total risk weighted assets$1,985,266,000259
Total unused commitments$594,221,000207
Derivatives$13,866,000645
2012-06-30Rank
# of Employees:336418
Assets and Liabilities
Total Assets:$2,139,054,000340
Cash and due from depository institutions$227,653,000418
Interest-bearing balances$189,819,000222
Securities$88,417,0001,662
Federal funds sold & reverse repurchase agreements$510,0002,854
Net loans & leases$1,713,313,000276
Loan loss allowance$22,090,000363
Trading account assets$0211
Bank premises and fixed assets$22,087,000500
Other real estate owned$4,599,000418
Goodwill and other intangibles$02,925
All other assets$82,475,000321
Life insurance assets$47,144,000161
Total liabilities and capital$2,139,054,000340
Total liabilities$1,943,709,000331
Total deposits$1,928,233,000300
Interest-bearing deposits$1,748,980,000268
Deposits held in domestic offices$1,928,233,000299
% insured80.58%6,063
Federal funds purchased & repurchase agreements$3,759,0001,338
Trading liabilities$0130
Other borrowed funds$04,239
Subordinated debt$0180
All other liabilities$11,717,000547
Total equity capital$195,345,000389
Total bank equity capital$195,345,000389
Perpetual preferred stock$0254
Common stock$6,000,000749
Surplus$122,535,000350
Undivided profits$66,810,000549
Noncontrolling interests in consolidated subsidiaries$0171
Memoranda
Noncurrent loans and leases$19,604,000642
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,080
Income earned, not collected on loans$6,247,000386
Earning assets$1,992,059,000323
Long-term assets (5+ years)$181,118,0001,098
Average Assets, year-to-date$2,097,201,000343
Average Assets, quarterly$2,139,134,000338
Volatile liabilities$88,736,000563
Insider loans$94,896,00039
FHLB advances$03,987
Loans and leases held for sale$11,623,000391
Unused loan commitments$553,441,000216
Tier 1 (core) risk-based capital$194,602,000358
Tier 2 risk-based capital$22,090,000264
Total risk weighted assets$1,941,493,000262
Total unused commitments$553,441,000216
Derivatives$11,623,000661
2012-03-31Rank
# of Employees:329427
Assets and Liabilities
Total Assets:$2,139,214,000337
Cash and due from depository institutions$398,271,000427
Interest-bearing balances$362,130,000134
Securities$99,403,0001,509
Federal funds sold & reverse repurchase agreements$2,918,0001,937
Net loans & leases$1,529,536,000290
Loan loss allowance$18,990,000416
Trading account assets$0215
Bank premises and fixed assets$21,057,000522
Other real estate owned$4,042,000427
Goodwill and other intangibles$02,935
All other assets$83,987,000313
Life insurance assets$46,722,000158
Total liabilities and capital$2,139,214,000337
Total liabilities$1,946,745,000325
Total deposits$1,930,411,000298
Interest-bearing deposits$1,405,169,000324
Deposits held in domestic offices$1,930,411,000297
% insured78.86%6,315
Federal funds purchased & repurchase agreements$6,058,0001,103
Trading liabilities$0123
Other borrowed funds$04,273
Subordinated debt$0185
All other liabilities$10,276,000588
Total equity capital$192,469,000384
Total bank equity capital$192,469,000384
Perpetual preferred stock$0259
Common stock$6,000,000762
Surplus$122,535,000344
Undivided profits$63,934,000560
Noncontrolling interests in consolidated subsidiaries$0170
Memoranda
Noncurrent loans and leases$22,043,000635
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,111
Income earned, not collected on loans$5,626,000437
Earning assets$1,993,987,000317
Long-term assets (5+ years)$135,026,0001,421
Average Assets, year-to-date$2,076,274,500340
Average Assets, quarterly$2,076,274,500340
Volatile liabilities$89,308,000571
Insider loans$68,837,00051
FHLB advances$04,028
Loans and leases held for sale$10,256,000405
Unused loan commitments$488,850,000225
Tier 1 (core) risk-based capital$191,844,000353
Tier 2 risk-based capital$18,990,000299
Total risk weighted assets$1,772,100,000278
Total unused commitments$488,850,000225
Derivatives$8,872,000698
2011-12-31Rank
# of Employees:324432
Assets and Liabilities
Total Assets:$2,012,950,000356
Cash and due from depository institutions$407,434,000432
Interest-bearing balances$371,605,000130
Securities$31,883,0003,547
Federal funds sold & reverse repurchase agreements$5,007,0001,158
Net loans & leases$1,473,223,000303
Loan loss allowance$19,201,000417
Trading account assets$0205
Bank premises and fixed assets$20,790,000530
Other real estate owned$3,902,000432
Goodwill and other intangibles$02,970
All other assets$70,711,000368
Life insurance assets$33,053,000220
Total liabilities and capital$2,012,950,000356
Total liabilities$1,823,093,000347
Total deposits$1,805,499,000309
Interest-bearing deposits$1,330,584,000342
Deposits held in domestic offices$1,805,499,000309
% insured78.02%6,463
Federal funds purchased & repurchase agreements$6,197,0001,131
Trading liabilities$0115
Other borrowed funds$04,481
Subordinated debt$0193
All other liabilities$11,397,000550
Total equity capital$189,857,000382
Total bank equity capital$189,857,000382
Perpetual preferred stock$0263
Common stock$6,000,000765
Surplus$122,535,000342
Undivided profits$61,322,000573
Noncontrolling interests in consolidated subsidiaries$0168
Memoranda
Noncurrent loans and leases$28,635,000511
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,138
Income earned, not collected on loans$5,527,000464
Earning assets$1,881,718,000337
Long-term assets (5+ years)$103,879,0001,493
Average Assets, year-to-date$1,790,330,200376
Average Assets, quarterly$1,989,927,000358
Volatile liabilities$85,942,000634
Insider loans$68,663,00053
FHLB advances$04,174
Loans and leases held for sale$7,172,000441
Unused loan commitments$446,459,000239
Tier 1 (core) risk-based capital$189,418,000353
Tier 2 risk-based capital$19,201,000300
Total risk weighted assets$1,640,879,000298
Total unused commitments$446,459,000239
Derivatives$5,474,000684
2011-09-30Rank
# of Employees:305467
Assets and Liabilities
Total Assets:$1,966,904,000359
Cash and due from depository institutions$504,515,000467
Interest-bearing balances$471,248,000110
Securities$31,980,0003,470
Federal funds sold & reverse repurchase agreements$3,123,0001,746
Net loans & leases$1,329,384,000328
Loan loss allowance$15,194,000552
Trading account assets$0209
Bank premises and fixed assets$21,283,000514
Other real estate owned$5,007,000467
Goodwill and other intangibles$1,593,0001,307
All other assets$70,019,000373
Life insurance assets$32,728,000215
Total liabilities and capital$1,966,904,000359
Total liabilities$1,772,645,000350
Total deposits$1,699,597,000327
Interest-bearing deposits$1,261,140,000361
Deposits held in domestic offices$1,699,597,000326
% insured78.16%6,545
Federal funds purchased & repurchase agreements$11,990,000816
Trading liabilities$0112
Other borrowed funds$51,579,000602
Subordinated debt$0206
All other liabilities$9,479,000629
Total equity capital$194,259,000379
Total bank equity capital$193,310,000381
Perpetual preferred stock$0266
Common stock$6,000,000776
Surplus$122,534,000349
Undivided profits$64,776,000545
Noncontrolling interests in consolidated subsidiaries$949,00079
Memoranda
Noncurrent loans and leases$12,597,0001,101
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,137
Income earned, not collected on loans$4,451,000582
Earning assets$1,835,735,000340
Long-term assets (5+ years)$116,538,0001,288
Average Assets, year-to-date$1,734,675,250386
Average Assets, quarterly$1,844,781,500371
Volatile liabilities$97,798,000577
Insider loans$51,846,00070
FHLB advances$04,265
Loans and leases held for sale$11,068,000301
Unused loan commitments$501,811,000226
Tier 1 (core) risk-based capital$192,293,000353
Tier 2 risk-based capital$15,194,000377
Total risk weighted assets$1,492,173,000312
Total unused commitments$501,811,000226
Derivatives$8,429,000651
2011-06-30Rank
# of Employees:287502
Assets and Liabilities
Total Assets:$1,722,659,000396
Cash and due from depository institutions$287,798,000502
Interest-bearing balances$258,933,000164
Securities$35,369,0003,278
Federal funds sold & reverse repurchase agreements$1,699,0002,325
Net loans & leases$1,308,918,000335
Loan loss allowance$14,075,000612
Trading account assets$0213
Bank premises and fixed assets$21,586,000510
Other real estate owned$5,216,000502
Goodwill and other intangibles$1,593,0001,323
All other assets$60,480,000414
Life insurance assets$32,394,000216
Total liabilities and capital$1,722,659,000396
Total liabilities$1,588,235,000382
Total deposits$1,575,116,000346
Interest-bearing deposits$1,173,535,000387
Deposits held in domestic offices$1,575,116,000344
% insured66.30%7,240
Federal funds purchased & repurchase agreements$5,249,0001,225
Trading liabilities$0112
Other borrowed funds$04,735
Subordinated debt$0212
All other liabilities$7,870,000698
Total equity capital$134,424,000536
Total bank equity capital$133,617,000542
Perpetual preferred stock$0222
Common stock$6,000,000789
Surplus$55,000,000657
Undivided profits$72,617,000467
Noncontrolling interests in consolidated subsidiaries$807,00085
Memoranda
Noncurrent loans and leases$26,469,000620
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,160
Income earned, not collected on loans$4,689,000546
Earning assets$1,604,919,000385
Long-term assets (5+ years)$113,807,0001,323
Average Assets, year-to-date$1,657,265,670406
Average Assets, quarterly$1,709,056,500398
Volatile liabilities$87,498,000662
Insider loans$41,561,00093
FHLB advances$04,341
Loans and leases held for sale$3,254,000463
Unused loan commitments$444,874,000238
Tier 1 (core) risk-based capital$132,264,000496
Tier 2 risk-based capital$14,075,000410
Total risk weighted assets$1,494,155,000312
Total unused commitments$444,874,000239
Derivatives$3,254,000734
2011-03-31Rank
# of Employees:275528
Assets and Liabilities
Total Assets:$1,697,606,000408
Cash and due from depository institutions$367,225,000528
Interest-bearing balances$334,657,000145
Securities$21,127,0004,412
Federal funds sold & reverse repurchase agreements$1,019,0003,117
Net loans & leases$1,199,165,000356
Loan loss allowance$13,879,000625
Trading account assets$0208
Bank premises and fixed assets$21,060,000524
Other real estate owned$3,841,000528
Goodwill and other intangibles$1,593,0001,328
All other assets$82,576,000329
Life insurance assets$32,496,000212
Total liabilities and capital$1,697,606,000408
Total liabilities$1,566,075,000392
Total deposits$1,546,028,000356
Interest-bearing deposits$1,154,795,000395
Deposits held in domestic offices$1,546,028,000354
% insured78.48%6,597
Federal funds purchased & repurchase agreements$9,926,000948
Trading liabilities$0108
Other borrowed funds$04,815
Subordinated debt$0214
All other liabilities$10,121,000575
Total equity capital$131,531,000532
Total bank equity capital$131,412,000532
Perpetual preferred stock$0224
Common stock$6,000,000798
Surplus$55,000,000659
Undivided profits$70,412,000466
Noncontrolling interests in consolidated subsidiaries$119,000117
Memoranda
Noncurrent loans and leases$28,496,000595
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,152
Income earned, not collected on loans$4,298,000609
Earning assets$1,555,968,000394
Long-term assets (5+ years)$104,540,0001,393
Average Assets, year-to-date$1,626,697,500418
Average Assets, quarterly$1,626,697,500418
Volatile liabilities$85,913,000697
Insider loans$37,622,000113
FHLB advances$04,390
Loans and leases held for sale$2,952,000448
Unused loan commitments$512,625,000218
Tier 1 (core) risk-based capital$130,362,000496
Tier 2 risk-based capital$13,879,000423
Total risk weighted assets$1,402,482,000340
Total unused commitments$512,625,000218
Derivatives$2,952,000718
2010-12-31Rank
# of Employees:261565
Assets and Liabilities
Total Assets:$1,555,789,000447
Cash and due from depository institutions$311,854,000565
Interest-bearing balances$291,746,000147
Securities$45,488,0002,612
Federal funds sold & reverse repurchase agreements$1,007,0003,056
Net loans & leases$1,122,167,000391
Loan loss allowance$12,584,000671
Trading account assets$0207
Bank premises and fixed assets$20,652,000533
Other real estate owned$4,066,000565
Goodwill and other intangibles$1,593,0001,330
All other assets$48,962,000496
Life insurance assets$18,279,000364
Total liabilities and capital$1,555,789,000447
Total liabilities$1,423,439,000435
Total deposits$1,410,002,000381
Interest-bearing deposits$1,077,316,000438
Deposits held in domestic offices$1,410,002,000379
% insured78.35%6,612
Federal funds purchased & repurchase agreements$3,760,0001,460
Trading liabilities$0108
Other borrowed funds$04,983
Subordinated debt$0220
All other liabilities$9,677,000605
Total equity capital$132,350,000530
Total bank equity capital$131,528,000532
Perpetual preferred stock$0224
Common stock$6,000,000802
Surplus$55,000,000658
Undivided profits$70,528,000457
Noncontrolling interests in consolidated subsidiaries$822,00087
Memoranda
Noncurrent loans and leases$27,960,000636
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,218
Income earned, not collected on loans$3,887,000711
Earning assets$1,460,408,000424
Long-term assets (5+ years)$102,214,0001,385
Average Assets, year-to-date$1,478,527,400458
Average Assets, quarterly$1,487,378,500459
Volatile liabilities$414,363,000343
Insider loans$34,116,000129
FHLB advances$04,551
Loans and leases held for sale$2,654,000804
Unused loan commitments$433,753,000254
Tier 1 (core) risk-based capital$131,256,000492
Tier 2 risk-based capital$12,584,000463
Total risk weighted assets$1,277,784,000377
Total unused commitments$433,753,000255
Derivatives$01,176
2010-09-30Rank
# of Employees:269541
Assets and Liabilities
Total Assets:$1,418,968,000482
Cash and due from depository institutions$209,193,000541
Interest-bearing balances$180,263,000239
Securities$99,177,0001,339
Federal funds sold & reverse repurchase agreements$2,099,0002,532
Net loans & leases$1,030,943,000416
Loan loss allowance$13,713,000620
Trading account assets$0210
Bank premises and fixed assets$22,171,000495
Other real estate owned$4,343,000541
Goodwill and other intangibles$1,593,0001,325
All other assets$49,449,000494
Life insurance assets$18,112,000360
Total liabilities and capital$1,418,968,000482
Total liabilities$1,285,845,000477
Total deposits$1,272,108,000421
Interest-bearing deposits$989,948,000474
Deposits held in domestic offices$1,272,108,000420
% insured82.16%5,727
Federal funds purchased & repurchase agreements$4,907,0001,336
Trading liabilities$0103
Other borrowed funds$05,105
Subordinated debt$0233
All other liabilities$8,830,000687
Total equity capital$133,123,000516
Total bank equity capital$132,416,000518
Perpetual preferred stock$0229
Common stock$6,000,000808
Surplus$55,000,000650
Undivided profits$71,416,000467
Noncontrolling interests in consolidated subsidiaries$707,00088
Memoranda
Noncurrent loans and leases$28,354,000626
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,218
Income earned, not collected on loans$4,247,000671
Earning assets$1,312,482,000472
Long-term assets (5+ years)$90,843,0001,515
Average Assets, year-to-date$1,459,212,000459
Average Assets, quarterly$1,413,234,500479
Volatile liabilities$390,620,000369
Insider loans$35,693,000119
FHLB advances$04,672
Loans and leases held for sale$8,565,000413
Unused loan commitments$357,907,000285
Tier 1 (core) risk-based capital$130,659,000475
Tier 2 risk-based capital$13,713,000439
Total risk weighted assets$1,171,499,000407
Total unused commitments$357,907,000285
Derivatives$8,565,000669
2010-06-30Rank
# of Employees:257566
Assets and Liabilities
Total Assets:$1,407,501,000474
Cash and due from depository institutions$266,115,000566
Interest-bearing balances$237,178,000178
Securities$60,567,0002,024
Federal funds sold & reverse repurchase agreements$1,866,0002,727
Net loans & leases$1,001,584,000441
Loan loss allowance$14,479,000584
Trading account assets$0210
Bank premises and fixed assets$22,003,000501
Other real estate owned$4,790,000566
Goodwill and other intangibles$1,593,0001,337
All other assets$48,983,000498
Life insurance assets$17,943,000364
Total liabilities and capital$1,407,501,000474
Total liabilities$1,275,993,000470
Total deposits$1,258,118,000425
Interest-bearing deposits$978,303,000478
Deposits held in domestic offices$1,258,118,000424
% insured82.33%5,806
Federal funds purchased & repurchase agreements$9,565,0001,002
Trading liabilities$0104
Other borrowed funds$05,212
Subordinated debt$0241
All other liabilities$8,310,000681
Total equity capital$131,508,000518
Total bank equity capital$131,029,000518
Perpetual preferred stock$0222
Common stock$6,000,000817
Surplus$55,000,000647
Undivided profits$70,029,000459
Noncontrolling interests in consolidated subsidiaries$479,00096
Memoranda
Noncurrent loans and leases$24,419,000726
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,233
Income earned, not collected on loans$4,151,000684
Earning assets$1,301,195,000465
Long-term assets (5+ years)$85,958,0001,568
Average Assets, year-to-date$1,472,626,670459
Average Assets, quarterly$1,461,722,000462
Volatile liabilities$396,515,000372
Insider loans$39,613,000114
FHLB advances$04,785
Loans and leases held for sale$7,790,000355
Unused loan commitments$308,969,000310
Tier 1 (core) risk-based capital$129,735,000470
Tier 2 risk-based capital$14,289,000430
Total risk weighted assets$1,144,368,000419
Total unused commitments$308,969,000311
Derivatives$7,790,000593
2010-03-31Rank
# of Employees:253581
Assets and Liabilities
Total Assets:$1,515,943,000466
Cash and due from depository institutions$406,994,000581
Interest-bearing balances$383,134,000120
Securities$54,199,0002,234
Federal funds sold & reverse repurchase agreements$1,978,0003,002
Net loans & leases$974,066,000468
Loan loss allowance$12,895,000683
Trading account assets$0227
Bank premises and fixed assets$21,539,000520
Other real estate owned$5,172,000581
Goodwill and other intangibles$1,593,0001,345
All other assets$50,402,000500
Life insurance assets$17,775,000363
Total liabilities and capital$1,515,943,000466
Total liabilities$1,385,316,000455
Total deposits$1,361,909,000402
Interest-bearing deposits$1,096,793,000425
Deposits held in domestic offices$1,361,909,000399
% insured83.39%5,638
Federal funds purchased & repurchase agreements$15,659,000786
Trading liabilities$0108
Other borrowed funds$05,317
Subordinated debt$0248
All other liabilities$7,748,000733
Total equity capital$130,627,000520
Total bank equity capital$130,399,000519
Perpetual preferred stock$0220
Common stock$6,000,000833
Surplus$55,000,000655
Undivided profits$69,399,000453
Noncontrolling interests in consolidated subsidiaries$228,000116
Memoranda
Noncurrent loans and leases$22,521,000807
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,219
Income earned, not collected on loans$4,392,000658
Earning assets$1,413,377,000452
Long-term assets (5+ years)$85,019,0001,585
Average Assets, year-to-date$1,505,189,500464
Average Assets, quarterly$1,505,189,500464
Volatile liabilities$486,586,000313
Insider loans$40,325,000112
FHLB advances$04,906
Loans and leases held for sale$7,448,000299
Unused loan commitments$308,754,000323
Tier 1 (core) risk-based capital$129,157,000479
Tier 2 risk-based capital$12,895,000486
Total risk weighted assets$1,107,023,000450
Total unused commitments$308,754,000324
Derivatives$7,448,000566
2009-12-31Rank
# of Employees:265548
Assets and Liabilities
Total Assets:$1,494,436,000467
Cash and due from depository institutions$350,156,000548
Interest-bearing balances$320,538,000119
Securities$60,696,0002,037
Federal funds sold & reverse repurchase agreements$3,361,0002,178
Net loans & leases$999,258,000472
Loan loss allowance$11,501,000767
Trading account assets$0224
Bank premises and fixed assets$21,671,000521
Other real estate owned$5,172,000548
Goodwill and other intangibles$1,593,0001,353
All other assets$52,529,000484
Life insurance assets$17,616,000362
Total liabilities and capital$1,494,436,000467
Total liabilities$1,363,956,000459
Total deposits$1,342,602,000405
Interest-bearing deposits$1,078,707,000435
Deposits held in domestic offices$1,342,602,000403
% insured83.38%5,684
Federal funds purchased & repurchase agreements$13,091,000898
Trading liabilities$0104
Other borrowed funds$05,407
Subordinated debt$0258
All other liabilities$8,263,000692
Total equity capital$130,480,000515
Total bank equity capital$129,929,000516
Perpetual preferred stock$0219
Common stock$6,000,000838
Surplus$55,000,000642
Undivided profits$68,929,000446
Noncontrolling interests in consolidated subsidiaries$551,00093
Memoranda
Noncurrent loans and leases$13,133,0001,221
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,191
Income earned, not collected on loans$4,372,000693
Earning assets$1,383,853,000459
Long-term assets (5+ years)$94,390,0001,450
Average Assets, year-to-date$1,427,208,800476
Average Assets, quarterly$1,481,550,000468
Volatile liabilities$436,865,000355
Insider loans$42,592,000109
FHLB advances$05,026
Loans and leases held for sale$8,192,000305
Unused loan commitments$298,268,000337
Tier 1 (core) risk-based capital$129,063,000472
Tier 2 risk-based capital$11,501,000548
Total risk weighted assets$1,151,825,000445
Total unused commitments$298,268,000337
Derivatives$8,192,000534
2009-09-30Rank
# of Employees:258575
Assets and Liabilities
Total Assets:$1,468,664,000482
Cash and due from depository institutions$276,052,000575
Interest-bearing balances$251,911,000143
Securities$94,764,0001,353
Federal funds sold & reverse repurchase agreements$21,231,000416
Net loans & leases$1,001,889,000483
Loan loss allowance$11,174,000753
Trading account assets$0238
Bank premises and fixed assets$21,865,000525
Other real estate owned$4,968,000575
Goodwill and other intangibles$1,593,0001,413
All other assets$46,302,000500
Life insurance assets$17,439,000369
Total liabilities and capital$1,468,664,000482
Total liabilities$1,336,720,000478
Total deposits$1,308,371,000423
Interest-bearing deposits$1,055,908,000452
Deposits held in domestic offices$1,308,371,000421
% insured83.74%5,778
Federal funds purchased & repurchase agreements$17,952,000774
Trading liabilities$0103
Other borrowed funds$05,525
Subordinated debt$0269
All other liabilities$10,397,000631
Total equity capital$131,944,000529
Total bank equity capital$131,564,000530
Perpetual preferred stock$0212
Common stock$6,000,000846
Surplus$55,000,000637
Undivided profits$70,564,000445
Noncontrolling interests in consolidated subsidiaries$380,000113
Memoranda
Noncurrent loans and leases$13,257,0001,205
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,174
Income earned, not collected on loans$4,553,000701
Earning assets$1,369,795,000472
Long-term assets (5+ years)$89,963,0001,498
Average Assets, year-to-date$1,410,402,000497
Average Assets, quarterly$1,451,724,500486
Volatile liabilities$415,493,000395
Insider loans$42,791,000105
FHLB advances$05,137
Loans and leases held for sale$6,743,000333
Unused loan commitments$321,147,000333
Tier 1 (core) risk-based capital$130,248,000484
Tier 2 risk-based capital$11,174,000571
Total risk weighted assets$1,195,139,000449
Total unused commitments$321,147,000334
Derivatives$6,743,000601
2009-06-30Rank
# of Employees:255600
Assets and Liabilities
Total Assets:$1,434,785,000506
Cash and due from depository institutions$213,778,000600
Interest-bearing balances$191,187,000144
Securities$101,342,0001,238
Federal funds sold & reverse repurchase agreements$43,375,000176
Net loans & leases$997,273,000502
Loan loss allowance$11,284,000723
Trading account assets$0240
Bank premises and fixed assets$21,996,000531
Other real estate owned$5,463,000600
Goodwill and other intangibles$1,593,0001,433
All other assets$49,965,000484
Life insurance assets$17,271,000379
Total liabilities and capital$1,434,785,000506
Total liabilities$1,305,697,000498
Total deposits$1,276,501,000437
Interest-bearing deposits$1,019,510,000472
Deposits held in domestic offices$1,276,501,000435
% insured66.61%6,553
Federal funds purchased & repurchase agreements$18,252,000768
Trading liabilities$0100
Other borrowed funds$05,613
Subordinated debt$0276
All other liabilities$10,944,000621
Total equity capital$129,088,000549
Total bank equity capital$128,778,000548
Perpetual preferred stock$0213
Common stock$6,000,000849
Surplus$55,000,000655
Undivided profits$67,778,000467
Noncontrolling interests in consolidated subsidiaries$310,000121
Memoranda
Noncurrent loans and leases$14,770,0001,050
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,161
Income earned, not collected on loans$4,732,000660
Earning assets$1,333,177,000490
Long-term assets (5+ years)$96,812,0001,385
Average Assets, year-to-date$1,390,981,330514
Average Assets, quarterly$1,409,565,000512
Volatile liabilities$375,210,000438
Insider loans$35,069,000142
FHLB advances$05,202
Loans and leases held for sale$11,659,000337
Unused loan commitments$317,675,000358
Tier 1 (core) risk-based capital$128,630,000498
Tier 2 risk-based capital$11,284,000581
Total risk weighted assets$1,192,800,000470
Total unused commitments$317,675,000358
Derivatives$11,659,000540
2009-03-31Rank
# of Employees:254603
Assets and Liabilities
Total Assets:$1,384,345,000525
Cash and due from depository institutions$87,186,000603
Interest-bearing balances$41,090,000483
Securities$99,514,0001,248
Federal funds sold & reverse repurchase agreements$86,280,000116
Net loans & leases$1,027,359,000494
Loan loss allowance$11,045,000698
Trading account assets$0234
Bank premises and fixed assets$22,234,000518
Other real estate owned$6,887,000603
Goodwill and other intangibles$1,593,0001,445
All other assets$53,292,000454
Life insurance assets$17,106,000381
Total liabilities and capital$1,384,345,000525
Total liabilities$1,255,765,000515
Total deposits$1,216,027,000450
Interest-bearing deposits$971,856,000496
Deposits held in domestic offices$1,216,027,000448
% insured68.48%6,305
Federal funds purchased & repurchase agreements$29,408,000598
Trading liabilities$092
Other borrowed funds$05,670
Subordinated debt$0271
All other liabilities$10,330,000653
Total equity capital$128,580,000545
Total bank equity capital$128,555,000544
Perpetual preferred stock$0193
Common stock$6,000,000852
Surplus$55,000,000655
Undivided profits$67,555,000476
Noncontrolling interests in consolidated subsidiaries$25,000205
Memoranda
Noncurrent loans and leases$17,103,000840
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,134
Income earned, not collected on loans$4,913,000642
Earning assets$1,254,243,000520
Long-term assets (5+ years)$102,725,0001,290
Average Assets, year-to-date$1,369,079,500525
Average Assets, quarterly$1,369,079,500525
Volatile liabilities$309,998,000540
Insider loans$35,577,000148
FHLB advances$05,264
Loans and leases held for sale$8,117,000346
Unused loan commitments$322,720,000379
Tier 1 (core) risk-based capital$128,116,000501
Tier 2 risk-based capital$11,045,000588
Total risk weighted assets$1,227,054,000460
Total unused commitments$322,720,000379
Derivatives$8,117,000644
2008-12-31Rank
# of Employees:256600
Assets and Liabilities
Total Assets:$1,353,814,000522
Cash and due from depository institutions$94,504,000600
Interest-bearing balances$41,696,000292
Securities$122,645,000996
Federal funds sold & reverse repurchase agreements$1,396,0003,652
Net loans & leases$1,049,065,000491
Loan loss allowance$11,433,000653
Trading account assets$0236
Bank premises and fixed assets$22,530,000508
Other real estate owned$8,505,000600
Goodwill and other intangibles$1,593,0001,450
All other assets$53,576,000460
Life insurance assets$16,941,000384
Total liabilities and capital$1,353,814,000522
Total liabilities$1,226,053,000521
Total deposits$1,201,747,000446
Interest-bearing deposits$955,521,000498
Deposits held in domestic offices$1,201,747,000444
% insured0.00%1
Federal funds purchased & repurchase agreements$14,024,0001,016
Trading liabilities$088
Other borrowed funds$05,839
Subordinated debt$0278
All other liabilities$10,282,000669
Total equity capital$127,761,000539
Total bank equity capital$127,761,000539
Perpetual preferred stock$0141
Common stock$6,000,000852
Surplus$55,000,000640
Undivided profits$66,761,000478
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$4,734,0001,943
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,078
Income earned, not collected on loans$3,801,000907
Earning assets$1,214,802,000528
Long-term assets (5+ years)$103,912,0001,258
Average Assets, year-to-date$1,303,319,200520
Average Assets, quarterly$1,332,273,500523
Volatile liabilities$209,178,000742
Insider loans$35,264,000158
FHLB advances$05,445
Loans and leases held for sale$3,850,000417
Unused loan commitments$341,296,000372
Tier 1 (core) risk-based capital$127,122,000496
Tier 2 risk-based capital$11,433,000564
Total risk weighted assets$1,277,900,000441
Total unused commitments$341,296,000372
Derivatives$01,109
2008-09-30Rank
# of Employees:259613
Assets and Liabilities
Total Assets:$1,310,733,000535
Cash and due from depository institutions$52,803,000613
Interest-bearing balances$13,842,000536
Securities$59,266,0001,960
Federal funds sold & reverse repurchase agreements$70,896,000172
Net loans & leases$1,045,643,000494
Loan loss allowance$10,763,000630
Trading account assets$0251
Bank premises and fixed assets$22,789,000495
Other real estate owned$4,786,000613
Goodwill and other intangibles$1,593,0001,507
All other assets$52,957,000438
Life insurance assets$16,773,000383
Total liabilities and capital$1,310,733,000535
Total liabilities$1,179,503,000534
Total deposits$1,152,122,000456
Interest-bearing deposits$914,907,000509
Deposits held in domestic offices$1,152,122,000454
% insured0.00%1
Federal funds purchased & repurchase agreements$17,761,000920
Trading liabilities$091
Other borrowed funds$05,843
Subordinated debt$0276
All other liabilities$9,620,000672
Total equity capital$131,230,000535
Total bank equity capital$131,230,000535
Perpetual preferred stock$0110
Common stock$6,000,000853
Surplus$55,000,000626
Undivided profits$70,230,000483
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$18,083,000599
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,110
Income earned, not collected on loans$5,477,000635
Earning assets$1,189,647,000533
Long-term assets (5+ years)$94,914,0001,331
Average Assets, year-to-date$1,290,695,500531
Average Assets, quarterly$1,330,409,000522
Volatile liabilities$152,422,000985
Insider loans$34,342,000159
FHLB advances$05,438
Loans and leases held for sale$6,496,000266
Unused loan commitments$360,166,000375
Tier 1 (core) risk-based capital$131,567,000486
Tier 2 risk-based capital$10,763,000580
Total risk weighted assets$1,255,978,000448
Total unused commitments$360,166,000375
Derivatives$6,496,000530
2008-06-30Rank
# of Employees:260613
Assets and Liabilities
Total Assets:$1,350,085,000524
Cash and due from depository institutions$58,461,000613
Interest-bearing balances$3,361,0001,651
Securities$55,877,0002,098
Federal funds sold & reverse repurchase agreements$54,584,000213
Net loans & leases$1,098,582,000469
Loan loss allowance$10,804,000592
Trading account assets$0267
Bank premises and fixed assets$35,677,000299
Other real estate owned$4,588,000613
Goodwill and other intangibles$1,593,0001,520
All other assets$40,723,000529
Life insurance assets$16,611,000390
Total liabilities and capital$1,350,085,000524
Total liabilities$1,218,708,000519
Total deposits$1,167,173,000451
Interest-bearing deposits$919,900,000503
Deposits held in domestic offices$1,167,173,000449
% insured0.00%1
Federal funds purchased & repurchase agreements$42,139,000556
Trading liabilities$094
Other borrowed funds$05,770
Subordinated debt$0257
All other liabilities$9,396,000693
Total equity capital$131,377,000543
Total bank equity capital$131,377,000543
Perpetual preferred stock$0107
Common stock$6,000,000845
Surplus$55,000,000613
Undivided profits$70,377,000485
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$19,962,000486
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,082
Income earned, not collected on loans$6,093,000560
Earning assets$1,212,404,000532
Long-term assets (5+ years)$95,995,0001,316
Average Assets, year-to-date$1,284,016,330536
Average Assets, quarterly$1,302,273,500534
Volatile liabilities$183,891,000835
Insider loans$37,258,000136
FHLB advances$05,355
Loans and leases held for sale$6,842,000293
Unused loan commitments$389,000,000365
Tier 1 (core) risk-based capital$130,864,000489
Tier 2 risk-based capital$10,804,000563
Total risk weighted assets$1,298,295,000431
Total unused commitments$389,000,000365
Derivatives$6,842,000523
2008-03-31Rank
# of Employees:260598
Assets and Liabilities
Total Assets:$1,254,462,000556
Cash and due from depository institutions$56,386,000598
Interest-bearing balances$21,398,000354
Securities$56,562,0002,061
Federal funds sold & reverse repurchase agreements$19,901,000814
Net loans & leases$1,042,203,000480
Loan loss allowance$10,210,000565
Trading account assets$0252
Bank premises and fixed assets$36,094,000290
Other real estate owned$4,137,000598
Goodwill and other intangibles$1,593,0001,524
All other assets$37,586,000552
Life insurance assets$16,416,000389
Total liabilities and capital$1,254,462,000556
Total liabilities$1,122,776,000552
Total deposits$1,094,033,000472
Interest-bearing deposits$857,818,000526
Deposits held in domestic offices$1,094,033,000470
% insured0.00%1
Federal funds purchased & repurchase agreements$20,694,000868
Trading liabilities$086
Other borrowed funds$05,604
Subordinated debt$0251
All other liabilities$8,049,000826
Total equity capital$131,686,000554
Total bank equity capital$131,686,000554
Perpetual preferred stock$0108
Common stock$6,000,000836
Surplus$55,000,000611
Undivided profits$70,686,000514
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$21,813,000376
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,070
Income earned, not collected on loans$5,992,000582
Earning assets$1,140,064,000551
Long-term assets (5+ years)$99,010,0001,223
Average Assets, year-to-date$1,250,982,000550
Average Assets, quarterly$1,250,982,000550
Volatile liabilities$175,510,000844
Insider loans$29,582,000189
FHLB advances$05,198
Loans and leases held for sale$4,273,000435
Unused loan commitments$386,271,000377
Tier 1 (core) risk-based capital$130,537,000491
Tier 2 risk-based capital$10,210,000569
Total risk weighted assets$1,249,017,000440
Total unused commitments$386,271,000379
Derivatives$4,273,000665
2007-12-31Rank
# of Employees:259606
Assets and Liabilities
Total Assets:$1,247,502,000555
Cash and due from depository institutions$74,181,000606
Interest-bearing balances$24,826,000230
Securities$55,590,0002,087
Federal funds sold & reverse repurchase agreements$2,899,0003,533
Net loans & leases$1,033,006,000486
Loan loss allowance$9,682,000581
Trading account assets$0237
Bank premises and fixed assets$31,943,000348
Other real estate owned$4,225,000606
Goodwill and other intangibles$1,593,0001,519
All other assets$44,065,000484
Life insurance assets$16,266,000389
Total liabilities and capital$1,247,502,000555
Total liabilities$1,116,855,000548
Total deposits$1,073,861,000476
Interest-bearing deposits$836,710,000533
Deposits held in domestic offices$1,073,861,000473
% insured0.00%1
Federal funds purchased & repurchase agreements$34,637,000612
Trading liabilities$078
Other borrowed funds$05,553
Subordinated debt$0248
All other liabilities$8,357,000797
Total equity capital$130,647,000552
Total bank equity capital$130,647,000552
Perpetual preferred stock$0111
Common stock$6,000,000821
Surplus$55,000,000603
Undivided profits$69,647,000528
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$28,894,000248
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,085
Income earned, not collected on loans$6,636,000582
Earning assets$1,116,321,000559
Long-term assets (5+ years)$94,835,0001,203
Average Assets, year-to-date$1,242,837,200534
Average Assets, quarterly$1,236,952,500553
Volatile liabilities$182,066,000818
Insider loans$26,134,000216
FHLB advances$05,108
Loans and leases held for sale$21,462,000147
Unused loan commitments$400,323,000374
Tier 1 (core) risk-based capital$129,625,000494
Tier 2 risk-based capital$9,682,000588
Total risk weighted assets$1,260,077,000436
Total unused commitments$400,323,000374
Derivatives$21,462,000351
2007-09-30Rank
# of Employees:262584
Assets and Liabilities
Total Assets:$1,226,403,000549
Cash and due from depository institutions$55,552,000584
Interest-bearing balances$24,815,000223
Securities$58,392,0001,979
Federal funds sold & reverse repurchase agreements$1,398,0004,627
Net loans & leases$1,034,763,000471
Loan loss allowance$9,985,000549
Trading account assets$0244
Bank premises and fixed assets$31,956,000332
Other real estate owned$4,272,000584
Goodwill and other intangibles$1,593,0001,498
All other assets$38,477,000525
Life insurance assets$16,158,000377
Total liabilities and capital$1,226,403,000549
Total liabilities$1,085,643,000553
Total deposits$1,031,773,000487
Interest-bearing deposits$816,409,000539
Deposits held in domestic offices$1,031,773,000485
% insured0.00%1
Federal funds purchased & repurchase agreements$41,531,000534
Trading liabilities$078
Other borrowed funds$05,543
Subordinated debt$0244
All other liabilities$12,339,000577
Total equity capital$140,760,000505
Total bank equity capital$140,760,000505
Perpetual preferred stock$0113
Common stock$6,000,000791
Surplus$55,000,000589
Undivided profits$79,760,000459
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$6,848,000696
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,109
Income earned, not collected on loans$7,466,000542
Earning assets$1,119,368,000550
Long-term assets (5+ years)$95,105,0001,173
Average Assets, year-to-date$1,241,671,000532
Average Assets, quarterly$1,240,023,000542
Volatile liabilities$206,987,000717
Insider loans$24,632,000229
FHLB advances$05,081
Loans and leases held for sale$15,843,000178
Unused loan commitments$433,527,000355
Tier 1 (core) risk-based capital$140,019,000461
Tier 2 risk-based capital$9,985,000563
Total risk weighted assets$1,261,006,000426
Total unused commitments$433,527,000355
Derivatives$15,843,000404
2007-06-30Rank
# of Employees:258619
Assets and Liabilities
Total Assets:$1,253,643,000550
Cash and due from depository institutions$38,897,000619
Interest-bearing balances$1,292,0002,202
Securities$60,189,0001,911
Federal funds sold & reverse repurchase agreements$28,700,000519
Net loans & leases$1,054,164,000467
Loan loss allowance$11,612,000463
Trading account assets$0245
Bank premises and fixed assets$31,880,000327
Other real estate owned$1,067,000619
Goodwill and other intangibles$1,593,0001,501
All other assets$37,153,000553
Life insurance assets$15,999,000378
Total liabilities and capital$1,253,643,000550
Total liabilities$1,114,964,000551
Total deposits$1,060,718,000488
Interest-bearing deposits$817,019,000552
Deposits held in domestic offices$1,060,718,000487
% insured0.00%1
Federal funds purchased & repurchase agreements$41,868,000529
Trading liabilities$087
Other borrowed funds$05,494
Subordinated debt$0258
All other liabilities$12,378,000564
Total equity capital$138,679,000520
Total bank equity capital$138,679,000520
Perpetual preferred stock$0111
Common stock$6,000,000782
Surplus$55,000,000605
Undivided profits$77,679,000472
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$17,332,000267
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,127
Income earned, not collected on loans$7,921,000482
Earning assets$1,144,345,000551
Long-term assets (5+ years)$91,698,0001,185
Average Assets, year-to-date$1,246,760,330544
Average Assets, quarterly$1,253,996,500545
Volatile liabilities$214,512,000691
Insider loans$20,569,000297
FHLB advances$05,027
Loans and leases held for sale$11,230,000245
Unused loan commitments$426,403,000376
Tier 1 (core) risk-based capital$137,842,000473
Tier 2 risk-based capital$11,612,000503
Total risk weighted assets$1,270,264,000430
Total unused commitments$426,403,000376
Derivatives$11,230,000485
2007-03-31Rank
# of Employees:246647
Assets and Liabilities
Total Assets:$1,254,350,000544
Cash and due from depository institutions$66,540,000647
Interest-bearing balances$12,265,000527
Securities$68,194,0001,721
Federal funds sold & reverse repurchase agreements$21,083,000907
Net loans & leases$1,026,494,000480
Loan loss allowance$12,195,000445
Trading account assets$0267
Bank premises and fixed assets$31,250,000321
Other real estate owned$305,000647
Goodwill and other intangibles$1,593,0001,487
All other assets$38,891,000515
Life insurance assets$15,852,000377
Total liabilities and capital$1,254,350,000544
Total liabilities$1,116,964,000544
Total deposits$1,054,673,000486
Interest-bearing deposits$811,797,000551
Deposits held in domestic offices$1,054,673,000484
% insured0.00%1
Federal funds purchased & repurchase agreements$49,372,000481
Trading liabilities$089
Other borrowed funds$05,479
Subordinated debt$0262
All other liabilities$12,919,000570
Total equity capital$137,386,000518
Total bank equity capital$137,386,000518
Perpetual preferred stock$0113
Common stock$6,000,000766
Surplus$55,000,000586
Undivided profits$76,386,000485
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$14,111,000280
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,132
Income earned, not collected on loans$8,160,000467
Earning assets$1,128,036,000555
Long-term assets (5+ years)$114,878,000964
Average Assets, year-to-date$1,243,319,000547
Average Assets, quarterly$1,243,319,000547
Volatile liabilities$214,829,000688
Insider loans$21,807,000264
FHLB advances$05,010
Loans and leases held for sale$4,497,000422
Unused loan commitments$274,010,000500
Tier 1 (core) risk-based capital$135,889,000476
Tier 2 risk-based capital$12,195,000481
Total risk weighted assets$1,241,373,000431
Total unused commitments$274,010,000500
Derivatives$01,065
2006-12-31Rank
# of Employees:243658
Assets and Liabilities
Total Assets:$1,232,288,000547
Cash and due from depository institutions$76,923,000658
Interest-bearing balances$19,814,000304
Securities$65,527,0001,809
Federal funds sold & reverse repurchase agreements$2,808,0003,918
Net loans & leases$1,018,637,000477
Loan loss allowance$12,278,000433
Trading account assets$0156
Bank premises and fixed assets$30,351,000323
Other real estate owned$0658
Goodwill and other intangibles$1,593,0001,479
All other assets$36,449,000541
Life insurance assets$15,705,000372
Total liabilities and capital$1,232,288,000547
Total liabilities$1,098,037,000547
Total deposits$1,035,216,000491
Interest-bearing deposits$772,515,000567
Deposits held in domestic offices$1,035,216,000490
% insured0.00%1
Federal funds purchased & repurchase agreements$51,039,000474
Trading liabilities$077
Other borrowed funds$05,610
Subordinated debt$0264
All other liabilities$11,782,000605
Total equity capital$134,251,000515
Total bank equity capital$134,251,000515
Perpetual preferred stock$0112
Common stock$6,000,000754
Surplus$55,000,000571
Undivided profits$73,251,000489
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$14,569,000246
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,087
Income earned, not collected on loans$8,259,000482
Earning assets$1,106,786,000559
Long-term assets (5+ years)$111,254,000983
Average Assets, year-to-date$1,208,839,600533
Average Assets, quarterly$1,219,257,000545
Volatile liabilities$213,893,000770
Insider loans$20,946,000274
FHLB advances$05,139
Loans and leases held for sale$2,879,000560
Unused loan commitments$357,543,000406
Tier 1 (core) risk-based capital$132,652,000474
Tier 2 risk-based capital$12,278,000473
Total risk weighted assets$1,226,661,000431
Total unused commitments$357,543,000406
Derivatives$01,023
2006-09-30Rank
# of Employees:245659
Assets and Liabilities
Total Assets:$1,206,226,000555
Cash and due from depository institutions$60,931,000659
Interest-bearing balances$17,128,000327
Securities$65,946,0001,807
Federal funds sold & reverse repurchase agreements$7,309,0001,851
Net loans & leases$1,009,324,000481
Loan loss allowance$10,660,000495
Trading account assets$0154
Bank premises and fixed assets$25,313,000385
Other real estate owned$0659
Goodwill and other intangibles$1,593,0001,471
All other assets$35,810,000555
Life insurance assets$15,540,000363
Total liabilities and capital$1,206,226,000555
Total liabilities$1,072,821,000557
Total deposits$1,013,076,000499
Interest-bearing deposits$752,942,000572
Deposits held in domestic offices$1,013,076,000498
% insured0.00%1
Federal funds purchased & repurchase agreements$49,984,000487
Trading liabilities$074
Other borrowed funds$05,812
Subordinated debt$0269
All other liabilities$9,761,000683
Total equity capital$133,405,000521
Total bank equity capital$133,405,000521
Perpetual preferred stock$0118
Common stock$6,000,000741
Surplus$55,000,000567
Undivided profits$72,405,000494
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$10,218,000320
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,131
Income earned, not collected on loans$8,388,000458
Earning assets$1,099,707,000557
Long-term assets (5+ years)$79,431,0001,290
Average Assets, year-to-date$1,202,977,500544
Average Assets, quarterly$1,212,071,500548
Volatile liabilities$218,072,000759
Insider loans$24,455,000230
FHLB advances$05,308
Loans and leases held for sale$5,373,000366
Unused loan commitments$331,891,000438
Tier 1 (core) risk-based capital$132,196,000480
Tier 2 risk-based capital$10,660,000530
Total risk weighted assets$1,199,731,000442
Total unused commitments$331,891,000438
Derivatives$01,023
2006-06-30Rank
# of Employees:253635
Assets and Liabilities
Total Assets:$1,217,917,000550
Cash and due from depository institutions$55,843,000635
Interest-bearing balances$4,160,0001,154
Securities$63,169,0001,900
Federal funds sold & reverse repurchase agreements$3,000,0003,047
Net loans & leases$1,030,323,000471
Loan loss allowance$10,650,000480
Trading account assets$0157
Bank premises and fixed assets$22,365,000446
Other real estate owned$0635
Goodwill and other intangibles$1,593,0001,455
All other assets$41,624,000489
Life insurance assets$15,375,000360
Total liabilities and capital$1,217,917,000550
Total liabilities$1,089,790,000549
Total deposits$1,044,686,000484
Interest-bearing deposits$781,378,000548
Deposits held in domestic offices$1,044,686,000483
% insured0.00%1
Federal funds purchased & repurchase agreements$36,181,000586
Trading liabilities$073
Other borrowed funds$05,848
Subordinated debt$0265
All other liabilities$8,923,000688
Total equity capital$128,127,000528
Total bank equity capital$128,127,000528
Perpetual preferred stock$0119
Common stock$6,000,000721
Surplus$55,000,000560
Undivided profits$67,127,000515
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$12,215,000253
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,150
Income earned, not collected on loans$7,389,000485
Earning assets$1,100,652,000555
Long-term assets (5+ years)$83,704,0001,223
Average Assets, year-to-date$1,201,894,670544
Average Assets, quarterly$1,207,615,000547
Volatile liabilities$256,334,000663
Insider loans$30,652,000163
FHLB advances$05,334
Loans and leases held for sale$01,763
Unused loan commitments$321,859,000453
Tier 1 (core) risk-based capital$127,254,000489
Tier 2 risk-based capital$10,650,000524
Total risk weighted assets$1,213,539,000432
Total unused commitments$321,859,000453
Derivatives$01,000
2006-03-31Rank
# of Employees:232688
Assets and Liabilities
Total Assets:$1,197,313,000545
Cash and due from depository institutions$85,242,000688
Interest-bearing balances$9,928,000608
Securities$62,823,0001,930
Federal funds sold & reverse repurchase agreements$1,986,0004,286
Net loans & leases$984,047,000474
Loan loss allowance$11,540,000452
Trading account assets$0154
Bank premises and fixed assets$21,598,000446
Other real estate owned$1,086,000688
Goodwill and other intangibles$1,593,0001,430
All other assets$38,938,000505
Life insurance assets$15,225,000351
Total liabilities and capital$1,197,313,000545
Total liabilities$1,073,410,000545
Total deposits$1,027,658,000485
Interest-bearing deposits$766,377,000542
Deposits held in domestic offices$1,027,658,000484
% insured0.00%1
Federal funds purchased & repurchase agreements$35,391,000568
Trading liabilities$077
Other borrowed funds$05,773
Subordinated debt$0259
All other liabilities$10,361,000618
Total equity capital$123,903,000531
Total bank equity capital$123,903,000531
Perpetual preferred stock$0120
Common stock$6,000,000706
Surplus$55,000,000539
Undivided profits$62,903,000554
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$14,265,000223
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,164
Income earned, not collected on loans$4,425,000731
Earning assets$1,058,784,000560
Long-term assets (5+ years)$77,398,0001,278
Average Assets, year-to-date$1,193,883,500545
Average Assets, quarterly$1,193,883,500545
Volatile liabilities$252,431,000636
Insider loans$26,294,000197
FHLB advances$05,285
Loans and leases held for sale$01,721
Unused loan commitments$312,287,000454
Tier 1 (core) risk-based capital$122,485,000489
Tier 2 risk-based capital$11,540,000479
Total risk weighted assets$1,169,246,000435
Total unused commitments$312,287,000454
Derivatives$0990
2005-12-31Rank
# of Employees:232680
Assets and Liabilities
Total Assets:$1,190,454,000547
Cash and due from depository institutions$74,956,000680
Interest-bearing balances$17,568,000302
Securities$62,169,0001,944
Federal funds sold & reverse repurchase agreements$500,0005,383
Net loans & leases$994,892,000463
Loan loss allowance$10,680,000471
Trading account assets$0155
Bank premises and fixed assets$20,438,000462
Other real estate owned$729,000680
Goodwill and other intangibles$1,593,0001,423
All other assets$35,177,000546
Life insurance assets$0351
Total liabilities and capital$1,190,454,000547
Total liabilities$1,071,139,000541
Total deposits$1,032,542,000474
Interest-bearing deposits$743,253,000545
Deposits held in domestic offices$1,032,542,000473
% insured0.00%1
Federal funds purchased & repurchase agreements$29,865,000625
Trading liabilities$072
Other borrowed funds$05,856
Subordinated debt$0258
All other liabilities$8,732,000669
Total equity capital$119,315,000540
Total bank equity capital$119,315,000540
Perpetual preferred stock$0122
Common stock$6,000,000693
Surplus$55,000,000524
Undivided profits$58,315,000602
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$11,590,000263
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,175
Income earned, not collected on loans$4,486,000718
Earning assets$1,075,129,000547
Long-term assets (5+ years)$84,812,0001,166
Average Assets, year-to-date$1,161,639,800537
Average Assets, quarterly$1,202,509,000542
Volatile liabilities$247,883,000638
Insider loans$24,564,000205
FHLB advances$05,326
Loans and leases held for sale$01,743
Unused loan commitments$328,986,000423
Tier 1 (core) risk-based capital$118,269,000501
Tier 2 risk-based capital$10,680,000495
Total risk weighted assets$1,173,013,000433
Total unused commitments$328,986,000423
Derivatives$0930
2005-09-30Rank
# of Employees:228694
Assets and Liabilities
Total Assets:$1,214,564,000530
Cash and due from depository institutions$68,192,000694
Interest-bearing balances$21,995,000249
Securities$58,396,0002,055
Federal funds sold & reverse repurchase agreements$911,0004,698
Net loans & leases$1,034,435,000436
Loan loss allowance$9,360,000527
Trading account assets$0146
Bank premises and fixed assets$19,911,000459
Other real estate owned$0694
Goodwill and other intangibles$1,593,0001,393
All other assets$31,126,000577
Life insurance assets$0341
Total liabilities and capital$1,214,564,000530
Total liabilities$1,099,517,000526
Total deposits$1,000,840,000472
Interest-bearing deposits$747,686,000532
Deposits held in domestic offices$1,000,840,000471
% insured0.00%1
Federal funds purchased & repurchase agreements$89,951,000313
Trading liabilities$063
Other borrowed funds$05,928
Subordinated debt$0251
All other liabilities$8,726,000649
Total equity capital$115,047,000554
Total bank equity capital$115,047,000554
Perpetual preferred stock$0120
Common stock$6,000,000664
Surplus$50,000,000567
Undivided profits$59,047,000588
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$12,970,000238
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,225
Income earned, not collected on loans$5,684,000541
Earning assets$1,115,737,000519
Long-term assets (5+ years)$58,519,0001,572
Average Assets, year-to-date$1,154,436,250534
Average Assets, quarterly$1,199,018,500531
Volatile liabilities$321,095,000498
Insider loans$18,434,000281
FHLB advances$05,403
Loans and leases held for sale$01,843
Unused loan commitments$309,514,000431
Tier 1 (core) risk-based capital$113,128,000506
Tier 2 risk-based capital$9,360,000550
Total risk weighted assets$1,209,663,000414
Total unused commitments$309,514,000431
Derivatives$0909
2005-06-30Rank
# of Employees:227702
Assets and Liabilities
Total Assets:$1,183,473,000530
Cash and due from depository institutions$61,522,000702
Interest-bearing balances$4,219,0001,209
Securities$70,909,0001,726
Federal funds sold & reverse repurchase agreements$2,858,0002,998
Net loans & leases$991,068,000445
Loan loss allowance$9,179,000528
Trading account assets$0148
Bank premises and fixed assets$19,615,000449
Other real estate owned$126,000702
Goodwill and other intangibles$1,593,0001,381
All other assets$35,782,000522
Life insurance assets$0339
Total liabilities and capital$1,183,473,000530
Total liabilities$1,072,308,000524
Total deposits$976,674,000469
Interest-bearing deposits$729,260,000532
Deposits held in domestic offices$976,674,000467
% insured0.00%1
Federal funds purchased & repurchase agreements$86,429,000323
Trading liabilities$065
Other borrowed funds$05,868
Subordinated debt$0251
All other liabilities$9,205,000597
Total equity capital$111,165,000557
Total bank equity capital$111,165,000557
Perpetual preferred stock$0118
Common stock$6,000,000642
Surplus$48,000,000573
Undivided profits$57,165,000606
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$12,337,000246
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,247
Income earned, not collected on loans$4,098,000677
Earning assets$1,069,054,000532
Long-term assets (5+ years)$56,539,0001,624
Average Assets, year-to-date$1,134,393,670533
Average Assets, quarterly$1,151,468,000533
Volatile liabilities$315,020,000488
Insider loans$18,616,000255
FHLB advances$05,357
Loans and leases held for sale$01,818
Unused loan commitments$288,358,000441
Tier 1 (core) risk-based capital$109,490,000510
Tier 2 risk-based capital$9,179,000548
Total risk weighted assets$1,163,134,000414
Total unused commitments$288,358,000441
Derivatives$0866
2005-03-31Rank
# of Employees:224695
Assets and Liabilities
Total Assets:$1,119,463,000542
Cash and due from depository institutions$53,925,000695
Interest-bearing balances$3,210,0001,490
Securities$73,358,0001,684
Federal funds sold & reverse repurchase agreements$200,0005,999
Net loans & leases$941,674,000451
Loan loss allowance$8,964,000538
Trading account assets$0148
Bank premises and fixed assets$19,250,000443
Other real estate owned$126,000695
Goodwill and other intangibles$1,593,0001,376
All other assets$29,337,000583
Life insurance assets$0333
Total liabilities and capital$1,119,463,000542
Total liabilities$1,010,851,000535
Total deposits$953,304,000478
Interest-bearing deposits$713,998,000536
Deposits held in domestic offices$953,304,000477
% insured0.00%1
Federal funds purchased & repurchase agreements$48,293,000461
Trading liabilities$065
Other borrowed funds$05,784
Subordinated debt$0265
All other liabilities$9,254,000592
Total equity capital$108,612,000556
Total bank equity capital$108,612,000556
Perpetual preferred stock$0120
Common stock$6,000,000621
Surplus$48,000,000557
Undivided profits$54,612,000606
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$14,177,000226
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,234
Income earned, not collected on loans$3,596,000740
Earning assets$1,018,442,000546
Long-term assets (5+ years)$52,334,0001,768
Average Assets, year-to-date$1,109,854,000539
Average Assets, quarterly$1,109,854,000539
Volatile liabilities$256,580,000546
Insider loans$18,679,000247
FHLB advances$05,246
Loans and leases held for sale$01,762
Unused loan commitments$302,391,000413
Tier 1 (core) risk-based capital$107,118,000514
Tier 2 risk-based capital$8,964,000554
Total risk weighted assets$1,095,587,000421
Total unused commitments$302,391,000413
Derivatives$0790
2004-12-31Rank
# of Employees:228688
Assets and Liabilities
Total Assets:$1,100,245,000549
Cash and due from depository institutions$62,036,000688
Interest-bearing balances$21,482,000254
Securities$79,045,0001,599
Federal funds sold & reverse repurchase agreements$1,960,0003,981
Net loans & leases$907,746,000466
Loan loss allowance$8,385,000573
Trading account assets$0153
Bank premises and fixed assets$19,570,000435
Other real estate owned$0688
Goodwill and other intangibles$1,593,0001,372
All other assets$28,295,000593
Life insurance assets$0334
Total liabilities and capital$1,100,245,000549
Total liabilities$992,405,000545
Total deposits$914,175,000489
Interest-bearing deposits$682,892,000554
Deposits held in domestic offices$914,175,000488
% insured0.00%1
Federal funds purchased & repurchase agreements$66,732,000385
Trading liabilities$066
Other borrowed funds$05,836
Subordinated debt$0272
All other liabilities$11,498,000519
Total equity capital$107,840,000560
Total bank equity capital$107,840,000560
Perpetual preferred stock$0118
Common stock$6,000,000608
Surplus$48,000,000554
Undivided profits$53,840,000630
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$9,544,000323
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,187
Income earned, not collected on loans$3,765,000700
Earning assets$1,010,233,000548
Long-term assets (5+ years)$46,293,0001,965
Average Assets, year-to-date$1,052,918,200552
Average Assets, quarterly$1,083,974,000551
Volatile liabilities$248,635,000562
Insider loans$26,257,000164
FHLB advances$05,260
Loans and leases held for sale$01,753
Unused loan commitments$271,280,000438
Tier 1 (core) risk-based capital$105,855,000508
Tier 2 risk-based capital$8,385,000594
Total risk weighted assets$1,058,909,000436
Total unused commitments$271,280,000438
Derivatives$0774
2004-09-30Rank
# of Employees:225701
Assets and Liabilities
Total Assets:$1,067,703,000563
Cash and due from depository institutions$54,310,000701
Interest-bearing balances$12,092,000500
Securities$78,069,0001,609
Federal funds sold & reverse repurchase agreements$6,287,0001,744
Net loans & leases$879,219,000472
Loan loss allowance$8,591,000571
Trading account assets$0149
Bank premises and fixed assets$20,014,000413
Other real estate owned$314,000701
Goodwill and other intangibles$1,593,0001,356
All other assets$27,897,000584
Life insurance assets$0330
Total liabilities and capital$1,067,703,000563
Total liabilities$960,563,000563
Total deposits$914,418,000487
Interest-bearing deposits$678,370,000555
Deposits held in domestic offices$914,418,000484
% insured0.00%1
Federal funds purchased & repurchase agreements$40,520,000503
Trading liabilities$068
Other borrowed funds$05,863
Subordinated debt$0276
All other liabilities$5,625,000830
Total equity capital$107,140,000555
Total bank equity capital$107,140,000555
Perpetual preferred stock$0124
Common stock$6,000,000600
Surplus$48,000,000538
Undivided profits$53,140,000628
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$9,157,000345
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,251
Income earned, not collected on loans$3,135,000878
Earning assets$975,667,000563
Long-term assets (5+ years)$34,614,0002,481
Average Assets, year-to-date$1,041,086,500555
Average Assets, quarterly$1,067,513,500556
Volatile liabilities$206,897,000632
Insider loans$32,119,000127
FHLB advances$05,299
Loans and leases held for sale$01,808
Unused loan commitments$247,518,000465
Tier 1 (core) risk-based capital$104,744,000514
Tier 2 risk-based capital$8,591,000575
Total risk weighted assets$1,019,244,000441
Total unused commitments$247,518,000465
Derivatives$0770
2004-06-30Rank
# of Employees:237655
Assets and Liabilities
Total Assets:$1,067,324,000550
Cash and due from depository institutions$55,459,000655
Interest-bearing balances$12,434,000498
Securities$84,818,0001,528
Federal funds sold & reverse repurchase agreements$6,019,0001,741
Net loans & leases$871,263,000461
Loan loss allowance$8,446,000571
Trading account assets$0153
Bank premises and fixed assets$20,095,000399
Other real estate owned$639,000655
Goodwill and other intangibles$1,593,0001,343
All other assets$27,438,000609
Life insurance assets$0323
Total liabilities and capital$1,067,324,000550
Total liabilities$961,394,000549
Total deposits$887,684,000487
Interest-bearing deposits$657,500,000563
Deposits held in domestic offices$887,684,000484
% insured0.00%1
Federal funds purchased & repurchase agreements$68,657,000364
Trading liabilities$069
Other borrowed funds$05,862
Subordinated debt$0288
All other liabilities$5,053,000859
Total equity capital$105,930,000538
Total bank equity capital$105,930,000538
Perpetual preferred stock$0126
Common stock$6,000,000588
Surplus$48,000,000517
Undivided profits$51,930,000616
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$10,068,000328
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,328
Income earned, not collected on loans$3,472,000732
Earning assets$974,534,000546
Long-term assets (5+ years)$43,990,0002,113
Average Assets, year-to-date$1,032,214,330555
Average Assets, quarterly$1,045,490,000557
Volatile liabilities$215,235,000602
Insider loans$37,406,000107
FHLB advances$05,298
Loans and leases held for sale$01,820
Unused loan commitments$230,192,000485
Tier 1 (core) risk-based capital$103,642,000511
Tier 2 risk-based capital$8,446,000586
Total risk weighted assets$1,012,842,000429
Total unused commitments$230,192,000486
Derivatives$0740
2004-03-31Rank
# of Employees:240652
Assets and Liabilities
Total Assets:$1,023,656,000567
Cash and due from depository institutions$43,005,000652
Interest-bearing balances$8,849,000819
Securities$77,098,0001,669
Federal funds sold & reverse repurchase agreements$1,234,0005,365
Net loans & leases$844,741,000453
Loan loss allowance$9,192,000524
Trading account assets$0144
Bank premises and fixed assets$20,117,000397
Other real estate owned$314,000652
Goodwill and other intangibles$1,593,0001,335
All other assets$35,554,000493
Life insurance assets$0322
Total liabilities and capital$1,023,656,000567
Total liabilities$918,583,000568
Total deposits$876,502,000492
Interest-bearing deposits$640,135,000575
Deposits held in domestic offices$876,502,000489
% insured0.00%1
Federal funds purchased & repurchase agreements$35,581,000515
Trading liabilities$070
Other borrowed funds$05,747
Subordinated debt$0287
All other liabilities$6,500,000778
Total equity capital$105,073,000548
Total bank equity capital$105,073,000548
Perpetual preferred stock$0129
Common stock$6,000,000584
Surplus$48,000,000511
Undivided profits$51,073,000648
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$15,387,000247
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,356
Income earned, not collected on loans$3,257,000784
Earning assets$931,922,000570
Long-term assets (5+ years)$56,035,0001,743
Average Assets, year-to-date$1,014,659,500569
Average Assets, quarterly$1,014,659,500569
Volatile liabilities$188,602,000640
Insider loans$32,090,000125
FHLB advances$05,150
Loans and leases held for sale$01,884
Unused loan commitments$229,474,000475
Tier 1 (core) risk-based capital$102,075,000510
Tier 2 risk-based capital$9,192,000540
Total risk weighted assets$994,857,000427
Total unused commitments$229,474,000475
Derivatives$0699
2003-12-31Rank
# of Employees:227703
Assets and Liabilities
Total Assets:$1,005,663,000581
Cash and due from depository institutions$58,141,000703
Interest-bearing balances$13,794,000465
Securities$75,943,0001,737
Federal funds sold & reverse repurchase agreements$1,791,0004,208
Net loans & leases$819,453,000462
Loan loss allowance$8,108,000593
Trading account assets$0168
Bank premises and fixed assets$19,894,000401
Other real estate owned$375,000703
Goodwill and other intangibles$1,593,0001,331
All other assets$28,473,000570
Life insurance assets$01
Total liabilities and capital$1,005,663,000581
Total liabilities$912,648,000576
Total deposits$830,966,000519
Interest-bearing deposits$600,896,000610
Deposits held in domestic offices$830,966,000518
% insured0.00%1
Federal funds purchased & repurchase agreements$64,338,000387
Trading liabilities$072
Other borrowed funds$05,772
Subordinated debt$0293
All other liabilities$17,344,000405
Total equity capital$93,015,000599
Total bank equity capital$93,015,000599
Perpetual preferred stock$0131
Common stock$6,000,000589
Surplus$36,800,000637
Undivided profits$50,215,000647
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$11,813,000312
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,287
Income earned, not collected on loans$4,347,000583
Earning assets$910,981,000584
Long-term assets (5+ years)$54,768,0001,788
Average Assets, year-to-date$970,593,600573
Average Assets, quarterly$1,001,820,000574
Volatile liabilities$192,437,000634
Insider loans$32,304,000123
FHLB advances$05,171
Loans and leases held for sale$01,789
Unused loan commitments$224,975,000474
Tier 1 (core) risk-based capital$90,786,000554
Tier 2 risk-based capital$8,108,000599
Total risk weighted assets$958,280,000436
Total unused commitments$224,975,000474
Derivatives$0665
2003-09-30Rank
# of Employees:220735
Assets and Liabilities
Total Assets:$997,977,000586
Cash and due from depository institutions$60,132,000735
Interest-bearing balances$9,843,000780
Securities$82,137,0001,589
Federal funds sold & reverse repurchase agreements$1,550,0004,796
Net loans & leases$804,891,000468
Loan loss allowance$9,890,000519
Trading account assets$0165
Bank premises and fixed assets$19,935,000404
Other real estate owned$465,000735
Goodwill and other intangibles$1,593,0001,311
All other assets$27,274,000600
Life insurance assets$01
Total liabilities and capital$997,977,000586
Total liabilities$905,912,000583
Total deposits$828,651,000531
Interest-bearing deposits$622,723,000594
Deposits held in domestic offices$828,651,000530
% insured0.00%1
Federal funds purchased & repurchase agreements$70,097,000373
Trading liabilities$072
Other borrowed funds$05,773
Subordinated debt$0293
All other liabilities$7,164,000751
Total equity capital$92,065,000624
Total bank equity capital$92,065,000624
Perpetual preferred stock$0137
Common stock$6,000,000581
Surplus$36,800,000645
Undivided profits$49,265,000666
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$11,069,000341
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,354
Income earned, not collected on loans$4,258,000623
Earning assets$898,421,000593
Long-term assets (5+ years)$58,222,0001,696
Average Assets, year-to-date$961,826,250590
Average Assets, quarterly$987,496,500590
Volatile liabilities$204,750,000620
Insider loans$30,665,000128
FHLB advances$05,135
Loans and leases held for sale$01,962
Unused loan commitments$210,413,000501
Tier 1 (core) risk-based capital$89,801,000577
Tier 2 risk-based capital$9,890,000513
Total risk weighted assets$943,336,000442
Total unused commitments$210,413,000502
Derivatives$0666
2003-06-30Rank
# of Employees:229710
Assets and Liabilities
Total Assets:$977,016,000589
Cash and due from depository institutions$63,309,000710
Interest-bearing balances$6,630,0001,182
Securities$80,514,0001,567
Federal funds sold & reverse repurchase agreements$6,072,0002,557
Net loans & leases$778,963,000472
Loan loss allowance$10,239,000494
Trading account assets$0170
Bank premises and fixed assets$20,101,000391
Other real estate owned$961,000710
Goodwill and other intangibles$1,593,0001,280
All other assets$25,503,000616
Life insurance assets$01
Total liabilities and capital$977,016,000589
Total liabilities$885,589,000584
Total deposits$813,048,000536
Interest-bearing deposits$600,502,000610
Deposits held in domestic offices$813,048,000535
% insured0.00%1
Federal funds purchased & repurchase agreements$67,498,000366
Trading liabilities$074
Other borrowed funds$05,772
Subordinated debt$0266
All other liabilities$5,043,0001,001
Total equity capital$91,427,000625
Total bank equity capital$91,427,000625
Perpetual preferred stock$0140
Common stock$6,000,000573
Surplus$36,800,000631
Undivided profits$48,627,000677
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$10,768,000366
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,408
Income earned, not collected on loans$4,520,000578
Earning assets$872,179,000601
Long-term assets (5+ years)$33,633,0002,425
Average Assets, year-to-date$949,776,000590
Average Assets, quarterly$951,850,500598
Volatile liabilities$201,607,000608
Insider loans$34,247,000114
FHLB advances$05,105
Loans and leases held for sale$02,044
Unused loan commitments$182,225,000553
Tier 1 (core) risk-based capital$88,579,000572
Tier 2 risk-based capital$10,239,000472
Total risk weighted assets$906,137,000450
Total unused commitments$182,225,000556
Derivatives$0623
2003-03-31Rank
# of Employees:224723
Assets and Liabilities
Total Assets:$926,685,000607
Cash and due from depository institutions$60,578,000723
Interest-bearing balances$3,716,0001,876
Securities$77,889,0001,589
Federal funds sold & reverse repurchase agreements$4,565,0003,395
Net loans & leases$735,485,000488
Loan loss allowance$10,039,000509
Trading account assets$0169
Bank premises and fixed assets$19,636,000394
Other real estate owned$1,407,000723
Goodwill and other intangibles$1,593,0001,269
All other assets$25,532,000611
Life insurance assets$01
Total liabilities and capital$926,685,000607
Total liabilities$836,694,000602
Total deposits$784,973,000545
Interest-bearing deposits$583,999,000621
Deposits held in domestic offices$784,973,000543
% insured0.00%1
Federal funds purchased & repurchase agreements$45,338,000450
Trading liabilities$079
Other borrowed funds$05,712
Subordinated debt$0265
All other liabilities$6,383,000862
Total equity capital$89,991,000617
Total bank equity capital$89,991,000617
Perpetual preferred stock$0141
Common stock$6,000,000565
Surplus$36,800,000631
Undivided profits$47,191,000670
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$23,148,000212
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,422
Income earned, not collected on loans$4,100,000650
Earning assets$821,655,000622
Long-term assets (5+ years)$43,075,0001,964
Average Assets, year-to-date$936,156,000594
Average Assets, quarterly$936,156,000594
Volatile liabilities$162,296,000704
Insider loans$32,113,000115
FHLB advances$05,057
Loans and leases held for sale$01,961
Unused loan commitments$184,709,000540
Tier 1 (core) risk-based capital$87,524,000564
Tier 2 risk-based capital$10,039,000481
Total risk weighted assets$863,356,000464
Total unused commitments$184,709,000541
Derivatives$0578
2002-12-31Rank
# of Employees:214751
Assets and Liabilities
Total Assets:$945,627,000584
Cash and due from depository institutions$65,384,000751
Interest-bearing balances$14,513,000527
Securities$82,717,0001,486
Federal funds sold & reverse repurchase agreements$3,760,0003,447
Net loans & leases$742,717,000486
Loan loss allowance$8,536,000570
Trading account assets$0170
Bank premises and fixed assets$19,195,000397
Other real estate owned$1,265,000751
Goodwill and other intangibles$1,593,0001,251
All other assets$28,996,000550
Life insurance assets$01
Total liabilities and capital$945,627,000584
Total liabilities$864,997,000578
Total deposits$800,478,000527
Interest-bearing deposits$592,717,000601
Deposits held in domestic offices$800,478,000526
% insured0.00%1
Federal funds purchased & repurchase agreements$54,785,000410
Trading liabilities$075
Other borrowed funds$05,759
Subordinated debt$0258
All other liabilities$9,734,000631
Total equity capital$80,630,000670
Total bank equity capital$80,630,000670
Perpetual preferred stock$0142
Common stock$6,000,000563
Surplus$25,400,000818
Undivided profits$49,230,000638
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$6,225,000539
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,384
Income earned, not collected on loans$4,597,000596
Earning assets$843,707,000595
Long-term assets (5+ years)$47,217,0001,795
Average Assets, year-to-date$899,384,000583
Average Assets, quarterly$935,061,000589
Volatile liabilities$185,347,000639
Insider loans$34,147,000114
FHLB advances$05,074
Loans and leases held for sale$01,889
Unused loan commitments$166,823,000552
Tier 1 (core) risk-based capital$78,170,000623
Tier 2 risk-based capital$8,536,000544
Total risk weighted assets$863,984,000456
Total unused commitments$166,823,000553
Derivatives$0527
2001-12-31Rank
# of Employees:216740
Assets and Liabilities
Total Assets:$877,311,000608
Cash and due from depository institutions$66,910,000740
Interest-bearing balances$9,431,000752
Securities$78,134,0001,443
Federal funds sold & reverse repurchase agreements$44,930,000334
Net loans & leases$643,028,000546
Loan loss allowance$8,901,000516
Trading account assets$0182
Bank premises and fixed assets$19,277,000392
Other real estate owned$556,000740
Goodwill and other intangibles$1,593,0001,190
All other assets$22,883,000631
Life insurance assets$01
Total liabilities and capital$877,311,000608
Total liabilities$804,743,000599
Total deposits$767,195,000522
Interest-bearing deposits$695,243,000498
Deposits held in domestic offices$767,195,000519
% insured0.00%1
Federal funds purchased & repurchase agreements$26,313,000647
Trading liabilities$069
Other borrowed funds$05,675
Subordinated debt$0241
All other liabilities$11,235,000566
Total equity capital$72,568,000699
Total bank equity capital$72,568,000699
Perpetual preferred stock$0158
Common stock$6,000,000557
Surplus$14,300,0001,274
Undivided profits$52,268,000536
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$11,972,000322
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,476
Income earned, not collected on loans$3,358,000910
Earning assets$775,523,000620
Long-term assets (5+ years)$83,395,0001,124
Average Assets, year-to-date$874,943,600587
Average Assets, quarterly$870,405,500605
Volatile liabilities$171,432,000648
Insider loans$27,408,000133
FHLB advances$04,938
Loans and leases held for sale$01,749
Unused loan commitments$185,738,000497
Tier 1 (core) risk-based capital$71,234,000655
Tier 2 risk-based capital$8,901,000492
Total risk weighted assets$770,179,000493
Total unused commitments$185,738,000497
Derivatives$0450
2000-12-31Rank
# of Employees:208766
Assets and Liabilities
Total Assets:$883,439,000596
Cash and due from depository institutions$57,638,000766
Interest-bearing balances$1,512,0001,973
Securities$98,139,0001,142
Federal funds sold & reverse repurchase agreements$13,532,000895
Net loans & leases$668,584,000517
Loan loss allowance$8,175,000542
Trading account assets$903,000131
Bank premises and fixed assets$18,297,000411
Other real estate owned$243,000766
Goodwill and other intangibles$03,145
All other assets$26,103,000496
Life insurance assets$01
Total liabilities and capital$883,439,000596
Total liabilities$812,475,000588
Total deposits$773,593,000516
Interest-bearing deposits$626,542,000543
Deposits held in domestic offices$773,593,000512
% insured0.00%1
Federal funds purchased & repurchase agreements$26,792,000628
Trading liabilities$077
Other borrowed funds$05,732
Subordinated debt$0239
All other liabilities$12,090,000546
Total equity capital$70,964,000691
Total bank equity capital$70,964,000691
Perpetual preferred stock$0178
Common stock$6,000,000548
Surplus$14,300,0001,221
Undivided profits$50,664,000532
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$8,076,000389
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,385
Income earned, not collected on loans$5,769,000445
Earning assets$782,670,000609
Long-term assets (5+ years)$120,454,000759
Average Assets, year-to-date$831,353,600592
Average Assets, quarterly$870,965,500593
Volatile liabilities$225,721,000542
Insider loans$32,924,000104
FHLB advances$0771
Loans and leases held for sale$01,442
Unused loan commitments$159,197,000523
Tier 1 (core) risk-based capital$71,836,000633
Tier 2 risk-based capital$8,175,000532
Total risk weighted assets$794,459,300482
Total unused commitments$159,197,000524
Derivatives$0481
1999-12-31Rank
# of Employees:201829
Assets and Liabilities
Total Assets:$759,002,000674
Cash and due from depository institutions$34,404,000829
Interest-bearing balances$1,520,0001,989
Securities$121,992,000947
Federal funds sold & reverse repurchase agreements$3,133,0002,776
Net loans & leases$566,457,000596
Loan loss allowance$6,453,000673
Trading account assets$0165
Bank premises and fixed assets$18,117,000430
Other real estate owned$1,035,000829
Goodwill and other intangibles$03,276
All other assets$13,864,000776
Life insurance assets$01
Total liabilities and capital$759,002,000674
Total liabilities$692,518,000669
Total deposits$653,173,000589
Interest-bearing deposits$483,995,000675
Deposits held in domestic offices$653,173,000584
% insured0.00%1
Federal funds purchased & repurchase agreements$37,077,000592
Trading liabilities$065
Other borrowed funds$05,751
Subordinated debt$0242
All other liabilities$2,268,0001,714
Total equity capital$66,484,000698
Total bank equity capital$66,484,000698
Perpetual preferred stock$0193
Common stock$6,000,000580
Surplus$14,300,0001,207
Undivided profits$46,184,000543
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,722,0001,381
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,502
Income earned, not collected on loans$3,831,000573
Earning assets$693,102,000672
Long-term assets (5+ years)$133,031,000743
Average Assets, year-to-date$731,374,600666
Average Assets, quarterly$741,253,000675
Volatile liabilities$133,201,000806
Insider loans$29,147,000141
FHLB advances$0802
Loans and leases held for sale$01,487
Unused loan commitments$128,171,000620
Tier 1 (core) risk-based capital$68,780,000660
Tier 2 risk-based capital$6,453,000649
Total risk weighted assets$683,632,600543
Total unused commitments$128,171,000620
Derivatives$0488
1998-12-31Rank
# of Employees:220764
Assets and Liabilities
Total Assets:$729,790,000674
Cash and due from depository institutions$43,122,000764
Interest-bearing balances$2,493,0001,932
Securities$146,061,000806
Federal funds sold & reverse repurchase agreements$40,690,000404
Net loans & leases$469,258,000657
Loan loss allowance$6,581,000659
Trading account assets$0197
Bank premises and fixed assets$18,921,000392
Other real estate owned$834,000764
Goodwill and other intangibles$03,445
All other assets$10,904,000823
Life insurance assets$01
Total liabilities and capital$729,790,000674
Total liabilities$662,684,000668
Total deposits$638,221,000592
Interest-bearing deposits$453,936,000696
Deposits held in domestic offices$638,221,000587
% insured0.00%1
Federal funds purchased & repurchase agreements$20,375,000729
Trading liabilities$069
Other borrowed funds$05,274
Subordinated debt$0255
All other liabilities$4,088,0001,130
Total equity capital$67,106,000705
Total bank equity capital$67,106,000705
Perpetual preferred stock$0199
Common stock$6,000,000570
Surplus$14,300,0001,150
Undivided profits$46,806,000542
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$6,853,000433
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,642
Income earned, not collected on loans$3,129,000661
Earning assets$658,502,000679
Long-term assets (5+ years)$56,608,0001,417
Average Assets, year-to-date$701,194,800662
Average Assets, quarterly$713,101,500677
Volatile liabilities$103,703,000806
Insider loans$29,334,000129
FHLB advances$0740
Loans and leases held for sale$01,681
Unused loan commitments$166,886,000491
Tier 1 (core) risk-based capital$66,110,000660
Tier 2 risk-based capital$6,581,000621
Total risk weighted assets$633,831,200539
Total unused commitments$166,886,000493
Derivatives$0527
1997-12-31Rank
# of Employees:206858
Assets and Liabilities
Total Assets:$686,586,000713
Cash and due from depository institutions$48,972,000858
Interest-bearing balances$3,116,0001,319
Securities$146,864,000814
Federal funds sold & reverse repurchase agreements$45,330,000317
Net loans & leases$412,815,000741
Loan loss allowance$6,164,000694
Trading account assets$0203
Bank premises and fixed assets$19,760,000365
Other real estate owned$119,000858
Goodwill and other intangibles$441,0001,845
All other assets$12,285,000735
Life insurance assets$01
Total liabilities and capital$686,586,000713
Total liabilities$625,482,000707
Total deposits$602,532,000640
Interest-bearing deposits$431,940,000741
Deposits held in domestic offices$602,532,000633
% insured0.00%1
Federal funds purchased & repurchase agreements$18,891,000773
Trading liabilities$080
Other borrowed funds$05,103
Subordinated debt$0260
All other liabilities$4,059,0001,191
Total equity capital$61,104,000776
Total bank equity capital$61,104,000776
Perpetual preferred stock$0223
Common stock$6,000,000583
Surplus$14,300,0001,148
Undivided profits$40,804,000604
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$15,342,000273
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,731
Income earned, not collected on loans$2,914,000754
Earning assets$608,125,000735
Long-term assets (5+ years)$38,201,0001,741
Average Assets, year-to-date$664,309,400699
Average Assets, quarterly$670,855,500716
Volatile liabilities$99,340,000843
Insider loans$30,557,000133
FHLB advances$0780
Loans and leases held for sale$01,579
Unused loan commitments$116,522,000581
Tier 1 (core) risk-based capital$60,093,000717
Tier 2 risk-based capital$6,164,000616
Total risk weighted assets$574,680,100580
Total unused commitments$116,522,000583
Derivatives$0533
1996-12-31Rank
# of Employees:215870
Assets and Liabilities
Total Assets:$674,086,000745
Cash and due from depository institutions$45,189,000870
Interest-bearing balances$1,709,0001,789
Securities$79,104,0001,526
Federal funds sold & reverse repurchase agreements$68,335,000254
Net loans & leases$444,645,000725
Loan loss allowance$8,919,000580
Trading account assets$0240
Bank premises and fixed assets$20,273,000376
Other real estate owned$1,152,000870
Goodwill and other intangibles$941,0001,314
All other assets$14,447,000685
Life insurance assets$01
Total liabilities and capital$674,086,000745
Total liabilities$617,914,000739
Total deposits$583,813,000694
Interest-bearing deposits$422,480,000790
Deposits held in domestic offices$583,813,000686
% insured0.00%1
Federal funds purchased & repurchase agreements$32,061,000648
Trading liabilities$097
Other borrowed funds$05,299
Subordinated debt$0298
All other liabilities$2,040,0001,998
Total equity capital$56,172,000838
Total bank equity capital$56,172,000838
Perpetual preferred stock$0250
Common stock$6,000,000615
Surplus$14,300,0001,187
Undivided profits$35,872,000704
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$21,761,000245
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,832
Income earned, not collected on loans$4,006,000584
Earning assets$593,793,000773
Long-term assets (5+ years)$33,424,0001,814
Average Assets, year-to-date$640,605,800755
Average Assets, quarterly$652,008,000763
Volatile liabilities$116,954,000788
Insider loans$33,466,000163
FHLB advances$0882
Loans and leases held for sale$01,560
Unused loan commitments$142,587,000527
Tier 1 (core) risk-based capital$55,089,000806
Tier 2 risk-based capital$7,302,310561
Total risk weighted assets$582,568,010596
Total unused commitments$142,587,000530
Derivatives$0549
1995-12-31Rank
# of Employees:218884
Assets and Liabilities
Total Assets:$647,004,000802
Cash and due from depository institutions$38,667,000884
Interest-bearing balances$06,853
Securities$97,297,0001,282
Federal funds sold & reverse repurchase agreements$42,080,000384
Net loans & leases$433,898,000752
Loan loss allowance$4,444,000992
Trading account assets$0261
Bank premises and fixed assets$19,627,000408
Other real estate owned$1,367,000884
Goodwill and other intangibles$1,485,000986
All other assets$12,583,000788
Life insurance assets$01
Total liabilities and capital$647,004,000802
Total liabilities$588,970,000801
Total deposits$560,920,000736
Interest-bearing deposits$416,370,000846
Deposits held in domestic offices$560,920,000724
% insured0.00%1
Federal funds purchased & repurchase agreements$23,384,000755
Trading liabilities$0110
Other borrowed funds$05,136
Subordinated debt$0337
All other liabilities$4,666,0001,092
Total equity capital$58,034,000841
Total bank equity capital$58,034,000841
Perpetual preferred stock$11,000263
Common stock$6,000,000615
Surplus$14,300,0001,185
Undivided profits$37,723,000703
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$17,695,000293
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,782
Income earned, not collected on loans$4,018,000601
Earning assets$573,275,000828
Long-term assets (5+ years)$44,922,0001,303
Average Assets, year-to-date$623,531,400807
Average Assets, quarterly$636,870,500803
Volatile liabilities$123,296,000732
Insider loans$29,598,000189
FHLB advances$0855
Loans and leases held for sale$01,606
Unused loan commitments$144,255,000548
Tier 1 (core) risk-based capital$55,809,000827
Tier 2 risk-based capital$4,444,000811
Total risk weighted assets$576,677,300617
Total unused commitments$144,255,000552
Derivatives$0628
1994-12-31Rank
# of Employees:237835
Assets and Liabilities
Total Assets:$606,448,000819
Cash and due from depository institutions$30,412,000835
Interest-bearing balances$07,034
Securities$115,354,0001,132
Federal funds sold & reverse repurchase agreements$1,100,0005,223
Net loans & leases$423,084,000755
Loan loss allowance$4,969,000921
Trading account assets$0286
Bank premises and fixed assets$18,691,000417
Other real estate owned$2,237,000835
Goodwill and other intangibles$2,019,000781
All other assets$13,551,000792
Life insurance assets$01
Total liabilities and capital$606,448,000819
Total liabilities$550,694,000818
Total deposits$520,056,000762
Interest-bearing deposits$380,867,000887
Deposits held in domestic offices$520,056,000749
% insured0.00%1
Federal funds purchased & repurchase agreements$26,484,000774
Trading liabilities$087
Other borrowed funds$05,375
Subordinated debt$0372
All other liabilities$4,154,0001,035
Total equity capital$55,754,000809
Total bank equity capital$55,754,000809
Perpetual preferred stock$0310
Common stock$6,000,000601
Surplus$14,300,0001,122
Undivided profits$35,454,000646
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$5,256,000757
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,752
Income earned, not collected on loans$3,929,000558
Earning assets$539,538,000836
Long-term assets (5+ years)$47,543,0001,223
Average Assets, year-to-date$603,402,200819
Average Assets, quarterly$605,571,500819
Volatile liabilities$112,712,000763
Insider loans$27,894,000200
FHLB advances$0993
Loans and leases held for sale$01,430
Unused loan commitments$108,619,000612
Tier 1 (core) risk-based capital$55,880,000792
Tier 2 risk-based capital$4,969,000732
Total risk weighted assets$554,248,200609
Total unused commitments$108,619,000616
Derivatives$0687
1993-12-31Rank
# of Employees:240873
Assets and Liabilities
Total Assets:$592,425,000856
Cash and due from depository institutions$25,382,000873
Interest-bearing balances$07,655
Securities$184,315,000769
Federal funds sold & reverse repurchase agreements$2,100,0005,553
Net loans & leases$346,786,000852
Loan loss allowance$5,000,000985
Trading account assets$0330
Bank premises and fixed assets$18,869,000419
Other real estate owned$2,499,000873
Goodwill and other intangibles$2,557,000618
All other assets$9,917,000959
Life insurance assets$01
Total liabilities and capital$592,425,000856
Total liabilities$534,143,000864
Total deposits$507,592,000808
Interest-bearing deposits$367,086,000949
Deposits held in domestic offices$507,592,000795
% insured0.00%1
Federal funds purchased & repurchase agreements$20,539,000745
Trading liabilities$01
Other borrowed funds$05,027
Subordinated debt$0413
All other liabilities$6,012,000843
Total equity capital$58,282,000737
Total bank equity capital$58,282,000737
Perpetual preferred stock$0343
Common stock$6,000,000588
Surplus$14,300,0001,066
Undivided profits$37,982,000603
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$6,090,000839
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,950
Income earned, not collected on loans$2,276,000785
Earning assets$533,201,000859
Long-term assets (5+ years)$30,652,0001,876
Average Assets, year-to-date$588,954,200838
Average Assets, quarterly$585,737,000854
Volatile liabilities$88,877,000829
Insider loans$22,048,000227
FHLB advances$0821
Loans and leases held for sale$01,681
Unused loan commitments$91,309,000660
Tier 1 (core) risk-based capital$55,725,000741
Tier 2 risk-based capital$5,000,000730
Total risk weighted assets$506,233,900650
Total unused commitments$91,309,000676
Derivatives$0714
1992-12-31Rank
# of Employees:236899
Assets and Liabilities
Total Assets:$611,460,000865
Cash and due from depository institutions$32,535,000899
Interest-bearing balances$08,059
Securities$202,336,000685
Federal funds sold & reverse repurchase agreements$38,945,000502
Net loans & leases$305,066,000976
Loan loss allowance$6,003,000874
Trading account assets$0344
Bank premises and fixed assets$17,576,000441
Other real estate owned$3,046,000899
Goodwill and other intangibles$3,076,000565
All other assets$8,880,0001,069
Life insurance assets$01
Total liabilities and capital$611,460,000865
Total liabilities$557,923,000874
Total deposits$526,395,000839
Interest-bearing deposits$381,414,000971
Deposits held in domestic offices$526,395,000829
% insured0.00%1
Federal funds purchased & repurchase agreements$29,776,000556
Trading liabilities$01
Other borrowed funds$05,085
Subordinated debt$0482
All other liabilities$1,752,0002,080
Total equity capital$53,537,000768
Total bank equity capital$53,537,000768
Perpetual preferred stock$0346
Common stock$6,000,000591
Surplus$14,300,0001,031
Undivided profits$33,237,000636
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$11,008,000676
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01
Income earned, not collected on loans$2,279,000869
Earning assets$546,347,000876
Long-term assets (5+ years)$32,456,0001,734
Average Assets, year-to-date$597,174,400864
Average Assets, quarterly$595,921,500878
Volatile liabilities$93,505,000779
Insider loans$8,879,00048
FHLB advances$0832
Loans and leases held for sale$01,207
Unused loan commitments$76,394,000720
Tier 1 (core) risk-based capital$50,461,000773
Tier 2 risk-based capital$5,962,460671
Total risk weighted assets$476,955,960699
Total unused commitments$76,394,000729
Derivatives$0651