Home > Westborough Savings Bank > Assets and Liabilities
Westborough Savings Bank, Assets and Liabilities
| 2007-06-30 | Rank | |
| # of Employees: | 64 | 2,741 |
| Assets and Liabilities | ||
| Total Assets: | $297,124,000 | 2,223 |
| Cash and due from depository institutions | $3,192,000 | 2,741 |
| Interest-bearing balances | $278,000 | 3,627 |
| Securities | $61,327,000 | 1,876 |
| Federal funds sold & reverse repurchase agreements | $5,971,000 | 2,356 |
| Net loans & leases | $205,383,000 | 2,225 |
| Loan loss allowance | $866,000 | 4,615 |
| Trading account assets | $0 | 245 |
| Bank premises and fixed assets | $6,452,000 | 1,939 |
| Other real estate owned | $0 | 2,741 |
| Goodwill and other intangibles | $667,000 | 1,982 |
| All other assets | $14,132,000 | 1,319 |
| Life insurance assets | $6,968,000 | 887 |
| Total liabilities and capital | $297,124,000 | 2,223 |
| Total liabilities | $270,126,000 | 2,191 |
| Total deposits | $213,132,000 | 2,428 |
| Interest-bearing deposits | $159,310,000 | 2,761 |
| Deposits held in domestic offices | $213,132,000 | 2,426 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,401 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $53,794,000 | 830 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $3,200,000 | 1,637 |
| Total equity capital | $26,998,000 | 2,497 |
| Total bank equity capital | $26,998,000 | 2,497 |
| Perpetual preferred stock | $0 | 111 |
| Common stock | $0 | 7,878 |
| Surplus | $27,967,000 | 1,087 |
| Undivided profits | $-969,000 | 8,043 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $854,000 | 3,187 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,127 |
| Income earned, not collected on loans | $1,149,000 | 3,526 |
| Earning assets | $272,959,000 | 2,210 |
| Long-term assets (5+ years) | $103,786,000 | 1,075 |
| Average Assets, year-to-date | $297,501,330 | 2,191 |
| Average Assets, quarterly | $296,345,500 | 2,213 |
| Volatile liabilities | $31,036,000 | 3,615 |
| Insider loans | $4,154,000 | 1,764 |
| FHLB advances | $53,500,000 | 761 |
| Loans and leases held for sale | $0 | 1,802 |
| Unused loan commitments | $34,176,000 | 2,422 |
| Tier 1 (core) risk-based capital | $26,999,000 | 2,408 |
| Tier 2 risk-based capital | $866,000 | 4,411 |
| Total risk weighted assets | $170,993,000 | 2,648 |
| Total unused commitments | $34,176,000 | 2,422 |
| Derivatives | $0 | 1,067 |
| 2007-03-31 | Rank | |
| # of Employees: | 70 | 2,490 |
| Assets and Liabilities | ||
| Total Assets: | $295,567,000 | 2,229 |
| Cash and due from depository institutions | $3,528,000 | 2,490 |
| Interest-bearing balances | $322,000 | 3,539 |
| Securities | $61,628,000 | 1,894 |
| Federal funds sold & reverse repurchase agreements | $1,363,000 | 5,534 |
| Net loans & leases | $208,433,000 | 2,173 |
| Loan loss allowance | $839,000 | 4,709 |
| Trading account assets | $0 | 267 |
| Bank premises and fixed assets | $6,517,000 | 1,889 |
| Other real estate owned | $0 | 2,490 |
| Goodwill and other intangibles | $685,000 | 1,959 |
| All other assets | $13,413,000 | 1,339 |
| Life insurance assets | $6,887,000 | 879 |
| Total liabilities and capital | $295,567,000 | 2,229 |
| Total liabilities | $268,336,000 | 2,190 |
| Total deposits | $211,270,000 | 2,452 |
| Interest-bearing deposits | $166,377,000 | 2,659 |
| Deposits held in domestic offices | $211,270,000 | 2,449 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,056 |
| Trading liabilities | $0 | 89 |
| Other borrowed funds | $53,795,000 | 801 |
| Subordinated debt | $0 | 262 |
| All other liabilities | $3,271,000 | 1,660 |
| Total equity capital | $27,231,000 | 2,486 |
| Total bank equity capital | $27,231,000 | 2,486 |
| Perpetual preferred stock | $0 | 113 |
| Common stock | $0 | 7,908 |
| Surplus | $27,983,000 | 1,064 |
| Undivided profits | $-752,000 | 8,065 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $736,000 | 3,308 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,132 |
| Income earned, not collected on loans | $1,193,000 | 3,304 |
| Earning assets | $271,746,000 | 2,219 |
| Long-term assets (5+ years) | $105,222,000 | 1,045 |
| Average Assets, year-to-date | $297,690,000 | 2,196 |
| Average Assets, quarterly | $297,690,000 | 2,196 |
| Volatile liabilities | $35,460,000 | 3,242 |
| Insider loans | $3,962,000 | 1,792 |
| FHLB advances | $53,500,000 | 739 |
| Loans and leases held for sale | $0 | 1,800 |
| Unused loan commitments | $34,858,000 | 2,384 |
| Tier 1 (core) risk-based capital | $27,075,000 | 2,380 |
| Tier 2 risk-based capital | $850,000 | 4,452 |
| Total risk weighted assets | $170,706,000 | 2,617 |
| Total unused commitments | $34,858,000 | 2,384 |
| Derivatives | $0 | 1,065 |
| 2006-12-31 | Rank | |
| # of Employees: | 71 | 2,464 |
| Assets and Liabilities | ||
| Total Assets: | $299,813,000 | 2,172 |
| Cash and due from depository institutions | $3,631,000 | 2,464 |
| Interest-bearing balances | $272,000 | 3,726 |
| Securities | $61,370,000 | 1,932 |
| Federal funds sold & reverse repurchase agreements | $3,322,000 | 3,598 |
| Net loans & leases | $211,017,000 | 2,128 |
| Loan loss allowance | $810,000 | 4,791 |
| Trading account assets | $0 | 156 |
| Bank premises and fixed assets | $6,456,000 | 1,883 |
| Other real estate owned | $0 | 2,464 |
| Goodwill and other intangibles | $685,000 | 1,948 |
| All other assets | $13,332,000 | 1,339 |
| Life insurance assets | $6,841,000 | 856 |
| Total liabilities and capital | $299,813,000 | 2,172 |
| Total liabilities | $271,940,000 | 2,151 |
| Total deposits | $208,888,000 | 2,470 |
| Interest-bearing deposits | $187,160,000 | 2,340 |
| Deposits held in domestic offices | $208,888,000 | 2,467 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,314 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $60,295,000 | 753 |
| Subordinated debt | $0 | 264 |
| All other liabilities | $2,757,000 | 1,863 |
| Total equity capital | $27,873,000 | 2,391 |
| Total bank equity capital | $27,873,000 | 2,391 |
| Perpetual preferred stock | $0 | 112 |
| Common stock | $0 | 7,944 |
| Surplus | $28,774,000 | 1,013 |
| Undivided profits | $-901,000 | 8,163 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,060,000 | 2,523 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,087 |
| Income earned, not collected on loans | $1,117,000 | 3,612 |
| Earning assets | $275,981,000 | 2,164 |
| Long-term assets (5+ years) | $112,609,000 | 968 |
| Average Assets, year-to-date | $300,354,200 | 2,079 |
| Average Assets, quarterly | $300,105,000 | 2,148 |
| Volatile liabilities | $31,939,000 | 3,609 |
| Insider loans | $3,235,000 | 2,119 |
| FHLB advances | $60,000,000 | 686 |
| Loans and leases held for sale | $0 | 1,760 |
| Unused loan commitments | $26,392,000 | 2,820 |
| Tier 1 (core) risk-based capital | $27,858,000 | 2,277 |
| Tier 2 risk-based capital | $814,000 | 4,573 |
| Total risk weighted assets | $190,324,000 | 2,380 |
| Total unused commitments | $26,392,000 | 2,820 |
| Derivatives | $0 | 1,023 |
| 2006-09-30 | Rank | |
| # of Employees: | 73 | 2,414 |
| Assets and Liabilities | ||
| Total Assets: | $300,397,000 | 2,147 |
| Cash and due from depository institutions | $2,794,000 | 2,414 |
| Interest-bearing balances | $363,000 | 3,437 |
| Securities | $64,095,000 | 1,854 |
| Federal funds sold & reverse repurchase agreements | $3,444,000 | 3,050 |
| Net loans & leases | $209,744,000 | 2,126 |
| Loan loss allowance | $780,000 | 4,896 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $6,556,000 | 1,814 |
| Other real estate owned | $0 | 2,414 |
| Goodwill and other intangibles | $814,000 | 1,851 |
| All other assets | $12,950,000 | 1,397 |
| Life insurance assets | $6,555,000 | 861 |
| Total liabilities and capital | $300,397,000 | 2,147 |
| Total liabilities | $272,401,000 | 2,118 |
| Total deposits | $211,656,000 | 2,414 |
| Interest-bearing deposits | $190,218,000 | 2,287 |
| Deposits held in domestic offices | $211,656,000 | 2,410 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,596 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $57,816,000 | 822 |
| Subordinated debt | $0 | 269 |
| All other liabilities | $2,929,000 | 1,762 |
| Total equity capital | $27,996,000 | 2,362 |
| Total bank equity capital | $27,996,000 | 2,362 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $0 | 8,007 |
| Surplus | $28,982,000 | 1,008 |
| Undivided profits | $-986,000 | 8,273 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $417,000 | 4,228 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,131 |
| Income earned, not collected on loans | $1,368,000 | 3,026 |
| Earning assets | $277,646,000 | 2,134 |
| Long-term assets (5+ years) | $121,895,000 | 896 |
| Average Assets, year-to-date | $300,489,500 | 2,079 |
| Average Assets, quarterly | $299,748,000 | 2,128 |
| Volatile liabilities | $24,118,000 | 4,266 |
| Insider loans | $3,344,000 | 2,012 |
| FHLB advances | $57,500,000 | 752 |
| Loans and leases held for sale | $0 | 1,773 |
| Unused loan commitments | $28,057,000 | 2,740 |
| Tier 1 (core) risk-based capital | $27,841,000 | 2,266 |
| Tier 2 risk-based capital | $786,000 | 4,654 |
| Total risk weighted assets | $160,970,000 | 2,729 |
| Total unused commitments | $28,057,000 | 2,740 |
| Derivatives | $0 | 1,023 |
| 2006-06-30 | Rank | |
| # of Employees: | 69 | 2,566 |
| Assets and Liabilities | ||
| Total Assets: | $299,099,000 | 2,139 |
| Cash and due from depository institutions | $3,479,000 | 2,566 |
| Interest-bearing balances | $304,000 | 3,606 |
| Securities | $63,565,000 | 1,890 |
| Federal funds sold & reverse repurchase agreements | $2,388,000 | 3,415 |
| Net loans & leases | $209,536,000 | 2,107 |
| Loan loss allowance | $780,000 | 4,880 |
| Trading account assets | $0 | 157 |
| Bank premises and fixed assets | $6,414,000 | 1,809 |
| Other real estate owned | $0 | 2,566 |
| Goodwill and other intangibles | $820,000 | 1,842 |
| All other assets | $12,897,000 | 1,381 |
| Life insurance assets | $6,505,000 | 845 |
| Total liabilities and capital | $299,099,000 | 2,139 |
| Total liabilities | $271,198,000 | 2,112 |
| Total deposits | $214,205,000 | 2,383 |
| Interest-bearing deposits | $192,773,000 | 2,253 |
| Deposits held in domestic offices | $214,205,000 | 2,379 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,710 |
| Trading liabilities | $0 | 73 |
| Other borrowed funds | $54,320,000 | 879 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $2,673,000 | 1,743 |
| Total equity capital | $27,901,000 | 2,289 |
| Total bank equity capital | $27,901,000 | 2,289 |
| Perpetual preferred stock | $0 | 119 |
| Common stock | $0 | 8,039 |
| Surplus | $29,368,000 | 979 |
| Undivided profits | $-1,467,000 | 8,409 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $835,000 | 2,758 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,150 |
| Income earned, not collected on loans | $1,190,000 | 3,116 |
| Earning assets | $275,793,000 | 2,124 |
| Long-term assets (5+ years) | $129,339,000 | 832 |
| Average Assets, year-to-date | $300,520,330 | 2,080 |
| Average Assets, quarterly | $300,646,500 | 2,095 |
| Volatile liabilities | $35,531,000 | 3,286 |
| Insider loans | $3,360,000 | 1,982 |
| FHLB advances | $54,000,000 | 808 |
| Loans and leases held for sale | $0 | 1,763 |
| Unused loan commitments | $29,274,000 | 2,649 |
| Tier 1 (core) risk-based capital | $28,308,000 | 2,205 |
| Tier 2 risk-based capital | $781,000 | 4,641 |
| Total risk weighted assets | $166,478,000 | 2,617 |
| Total unused commitments | $29,274,000 | 2,650 |
| Derivatives | $0 | 1,000 |
| 2006-03-31 | Rank | |
| # of Employees: | 71 | 2,475 |
| Assets and Liabilities | ||
| Total Assets: | $302,194,000 | 2,086 |
| Cash and due from depository institutions | $4,606,000 | 2,475 |
| Interest-bearing balances | $359,000 | 3,570 |
| Securities | $65,302,000 | 1,855 |
| Federal funds sold & reverse repurchase agreements | $2,600,000 | 3,868 |
| Net loans & leases | $209,059,000 | 2,071 |
| Loan loss allowance | $784,000 | 4,819 |
| Trading account assets | $0 | 154 |
| Bank premises and fixed assets | $6,416,000 | 1,780 |
| Other real estate owned | $0 | 2,475 |
| Goodwill and other intangibles | $828,000 | 1,816 |
| All other assets | $13,383,000 | 1,314 |
| Life insurance assets | $6,429,000 | 832 |
| Total liabilities and capital | $302,194,000 | 2,086 |
| Total liabilities | $274,311,000 | 2,061 |
| Total deposits | $221,840,000 | 2,294 |
| Interest-bearing deposits | $196,080,000 | 2,191 |
| Deposits held in domestic offices | $221,840,000 | 2,290 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,368 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $49,820,000 | 899 |
| Subordinated debt | $0 | 259 |
| All other liabilities | $2,651,000 | 1,755 |
| Total equity capital | $27,883,000 | 2,257 |
| Total bank equity capital | $27,883,000 | 2,257 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $0 | 8,045 |
| Surplus | $29,253,000 | 948 |
| Undivided profits | $-1,370,000 | 8,418 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $202,000 | 5,215 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,164 |
| Income earned, not collected on loans | $1,338,000 | 2,658 |
| Earning assets | $277,320,000 | 2,094 |
| Long-term assets (5+ years) | $132,452,000 | 796 |
| Average Assets, year-to-date | $301,231,000 | 2,067 |
| Average Assets, quarterly | $301,231,000 | 2,067 |
| Volatile liabilities | $28,010,000 | 3,679 |
| Insider loans | $3,327,000 | 1,946 |
| FHLB advances | $49,500,000 | 833 |
| Loans and leases held for sale | $0 | 1,721 |
| Unused loan commitments | $29,264,000 | 2,620 |
| Tier 1 (core) risk-based capital | $28,602,000 | 2,137 |
| Tier 2 risk-based capital | $784,000 | 4,590 |
| Total risk weighted assets | $159,178,000 | 2,675 |
| Total unused commitments | $29,264,000 | 2,623 |
| Derivatives | $0 | 990 |
| 2005-12-31 | Rank | |
| # of Employees: | 65 | 2,699 |
| Assets and Liabilities | ||
| Total Assets: | $300,268,000 | 2,072 |
| Cash and due from depository institutions | $3,630,000 | 2,699 |
| Interest-bearing balances | $225,000 | 4,122 |
| Securities | $66,750,000 | 1,814 |
| Federal funds sold & reverse repurchase agreements | $1,465,000 | 4,410 |
| Net loans & leases | $209,041,000 | 2,020 |
| Loan loss allowance | $786,000 | 4,798 |
| Trading account assets | $0 | 155 |
| Bank premises and fixed assets | $6,015,000 | 1,859 |
| Other real estate owned | $0 | 2,699 |
| Goodwill and other intangibles | $815,000 | 1,825 |
| All other assets | $12,552,000 | 1,375 |
| Life insurance assets | $0 | 351 |
| Total liabilities and capital | $300,268,000 | 2,072 |
| Total liabilities | $272,118,000 | 2,052 |
| Total deposits | $215,564,000 | 2,337 |
| Interest-bearing deposits | $188,058,000 | 2,236 |
| Deposits held in domestic offices | $215,564,000 | 2,332 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,512 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $53,820,000 | 869 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $2,734,000 | 1,658 |
| Total equity capital | $28,150,000 | 2,215 |
| Total bank equity capital | $28,150,000 | 2,215 |
| Perpetual preferred stock | $0 | 122 |
| Common stock | $0 | 8,078 |
| Surplus | $29,350,000 | 923 |
| Undivided profits | $-1,200,000 | 8,455 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $159,000 | 5,629 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,175 |
| Income earned, not collected on loans | $1,170,000 | 3,023 |
| Earning assets | $277,481,000 | 2,047 |
| Long-term assets (5+ years) | $137,072,000 | 759 |
| Average Assets, year-to-date | $283,290,000 | 2,075 |
| Average Assets, quarterly | $295,736,000 | 2,074 |
| Volatile liabilities | $30,435,000 | 3,449 |
| Insider loans | $3,082,000 | 2,073 |
| FHLB advances | $53,500,000 | 790 |
| Loans and leases held for sale | $0 | 1,743 |
| Unused loan commitments | $29,370,000 | 2,563 |
| Tier 1 (core) risk-based capital | $28,160,000 | 2,140 |
| Tier 2 risk-based capital | $786,000 | 4,556 |
| Total risk weighted assets | $170,119,000 | 2,484 |
| Total unused commitments | $29,370,000 | 2,563 |
| Derivatives | $0 | 930 |
| 2005-09-30 | Rank | |
| # of Employees: | 75 | 2,309 |
| Assets and Liabilities | ||
| Total Assets: | $291,204,000 | 2,093 |
| Cash and due from depository institutions | $3,756,000 | 2,309 |
| Interest-bearing balances | $65,000 | 5,471 |
| Securities | $67,114,000 | 1,798 |
| Federal funds sold & reverse repurchase agreements | $1,785,000 | 3,917 |
| Net loans & leases | $200,477,000 | 2,066 |
| Loan loss allowance | $785,000 | 4,776 |
| Trading account assets | $0 | 146 |
| Bank premises and fixed assets | $6,088,000 | 1,787 |
| Other real estate owned | $0 | 2,309 |
| Goodwill and other intangibles | $113,000 | 2,819 |
| All other assets | $11,871,000 | 1,396 |
| Life insurance assets | $0 | 341 |
| Total liabilities and capital | $291,204,000 | 2,093 |
| Total liabilities | $263,071,000 | 2,073 |
| Total deposits | $210,802,000 | 2,324 |
| Interest-bearing deposits | $184,752,000 | 2,239 |
| Deposits held in domestic offices | $210,802,000 | 2,318 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,623 |
| Trading liabilities | $0 | 63 |
| Other borrowed funds | $50,343,000 | 908 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $1,926,000 | 2,132 |
| Total equity capital | $28,133,000 | 2,189 |
| Total bank equity capital | $28,133,000 | 2,189 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $0 | 8,097 |
| Surplus | $29,248,000 | 894 |
| Undivided profits | $-1,115,000 | 8,480 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $175,000 | 5,625 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,225 |
| Income earned, not collected on loans | $1,181,000 | 2,960 |
| Earning assets | $269,441,000 | 2,077 |
| Long-term assets (5+ years) | $153,434,000 | 662 |
| Average Assets, year-to-date | $279,045,500 | 2,099 |
| Average Assets, quarterly | $285,686,500 | 2,102 |
| Volatile liabilities | $25,122,000 | 3,820 |
| Insider loans | $2,352,000 | 2,519 |
| FHLB advances | $50,000,000 | 835 |
| Loans and leases held for sale | $0 | 1,843 |
| Unused loan commitments | $20,372,000 | 3,240 |
| Tier 1 (core) risk-based capital | $28,733,000 | 2,065 |
| Tier 2 risk-based capital | $785,000 | 4,511 |
| Total risk weighted assets | $153,568,000 | 2,683 |
| Total unused commitments | $20,372,000 | 3,242 |
| Derivatives | $0 | 909 |
| 2005-06-30 | Rank | |
| # of Employees: | 72 | 2,399 |
| Assets and Liabilities | ||
| Total Assets: | $280,169,000 | 2,126 |
| Cash and due from depository institutions | $3,622,000 | 2,399 |
| Interest-bearing balances | $266,000 | 4,022 |
| Securities | $70,848,000 | 1,729 |
| Federal funds sold & reverse repurchase agreements | $3,584,000 | 2,646 |
| Net loans & leases | $184,814,000 | 2,179 |
| Loan loss allowance | $785,000 | 4,737 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $6,142,000 | 1,736 |
| Other real estate owned | $0 | 2,399 |
| Goodwill and other intangibles | $129,000 | 2,761 |
| All other assets | $11,030,000 | 1,460 |
| Life insurance assets | $0 | 339 |
| Total liabilities and capital | $280,169,000 | 2,126 |
| Total liabilities | $251,825,000 | 2,122 |
| Total deposits | $215,310,000 | 2,229 |
| Interest-bearing deposits | $190,869,000 | 2,127 |
| Deposits held in domestic offices | $215,310,000 | 2,224 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,721 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $34,343,000 | 1,223 |
| Subordinated debt | $0 | 251 |
| All other liabilities | $2,172,000 | 1,844 |
| Total equity capital | $28,344,000 | 2,127 |
| Total bank equity capital | $28,344,000 | 2,127 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $0 | 8,105 |
| Surplus | $29,102,000 | 880 |
| Undivided profits | $-758,000 | 8,399 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $713,000 | 2,969 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,247 |
| Income earned, not collected on loans | $1,152,000 | 2,769 |
| Earning assets | $259,512,000 | 2,112 |
| Long-term assets (5+ years) | $147,922,000 | 687 |
| Average Assets, year-to-date | $274,992,670 | 2,118 |
| Average Assets, quarterly | $277,619,500 | 2,123 |
| Volatile liabilities | $21,294,000 | 4,127 |
| Insider loans | $1,981,000 | 2,787 |
| FHLB advances | $34,000,000 | 1,138 |
| Loans and leases held for sale | $0 | 1,818 |
| Unused loan commitments | $10,046,000 | 4,633 |
| Tier 1 (core) risk-based capital | $28,543,000 | 2,016 |
| Tier 2 risk-based capital | $785,000 | 4,468 |
| Total risk weighted assets | $149,023,000 | 2,689 |
| Total unused commitments | $10,046,000 | 4,634 |
| Derivatives | $0 | 866 |
| 2005-03-31 | Rank | |
| # of Employees: | 70 | 2,449 |
| Assets and Liabilities | ||
| Total Assets: | $275,070,000 | 2,141 |
| Cash and due from depository institutions | $2,834,000 | 2,449 |
| Interest-bearing balances | $245,000 | 4,158 |
| Securities | $70,709,000 | 1,741 |
| Federal funds sold & reverse repurchase agreements | $2,069,000 | 4,003 |
| Net loans & leases | $182,446,000 | 2,164 |
| Loan loss allowance | $785,000 | 4,754 |
| Trading account assets | $0 | 148 |
| Bank premises and fixed assets | $6,225,000 | 1,686 |
| Other real estate owned | $0 | 2,449 |
| Goodwill and other intangibles | $52,000 | 3,004 |
| All other assets | $10,735,000 | 1,473 |
| Life insurance assets | $0 | 333 |
| Total liabilities and capital | $275,070,000 | 2,141 |
| Total liabilities | $247,258,000 | 2,141 |
| Total deposits | $213,584,000 | 2,236 |
| Interest-bearing deposits | $190,401,000 | 2,121 |
| Deposits held in domestic offices | $213,584,000 | 2,230 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,328 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $31,743,000 | 1,239 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $1,931,000 | 2,015 |
| Total equity capital | $27,812,000 | 2,092 |
| Total bank equity capital | $27,812,000 | 2,092 |
| Perpetual preferred stock | $0 | 120 |
| Common stock | $0 | 8,166 |
| Surplus | $28,922,000 | 861 |
| Undivided profits | $-1,110,000 | 8,538 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $199,000 | 5,369 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,234 |
| Income earned, not collected on loans | $1,121,000 | 2,735 |
| Earning assets | $255,469,000 | 2,114 |
| Long-term assets (5+ years) | $153,305,000 | 676 |
| Average Assets, year-to-date | $272,404,500 | 2,138 |
| Average Assets, quarterly | $272,404,500 | 2,138 |
| Volatile liabilities | $21,968,000 | 3,946 |
| Insider loans | $1,994,000 | 2,756 |
| FHLB advances | $31,400,000 | 1,162 |
| Loans and leases held for sale | $0 | 1,762 |
| Unused loan commitments | $17,478,000 | 3,426 |
| Tier 1 (core) risk-based capital | $28,407,000 | 1,977 |
| Tier 2 risk-based capital | $785,000 | 4,464 |
| Total risk weighted assets | $147,876,000 | 2,658 |
| Total unused commitments | $17,478,000 | 3,428 |
| Derivatives | $0 | 790 |
| 2004-12-31 | Rank | |
| # of Employees: | 71 | 2,429 |
| Assets and Liabilities | ||
| Total Assets: | $269,739,000 | 2,162 |
| Cash and due from depository institutions | $3,693,000 | 2,429 |
| Interest-bearing balances | $308,000 | 3,921 |
| Securities | $73,854,000 | 1,691 |
| Federal funds sold & reverse repurchase agreements | $2,170,000 | 3,761 |
| Net loans & leases | $173,420,000 | 2,248 |
| Loan loss allowance | $825,000 | 4,577 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $6,315,000 | 1,639 |
| Other real estate owned | $0 | 2,429 |
| Goodwill and other intangibles | $53,000 | 2,990 |
| All other assets | $10,234,000 | 1,502 |
| Life insurance assets | $0 | 334 |
| Total liabilities and capital | $269,739,000 | 2,162 |
| Total liabilities | $241,710,000 | 2,162 |
| Total deposits | $209,814,000 | 2,243 |
| Interest-bearing deposits | $186,123,000 | 2,123 |
| Deposits held in domestic offices | $209,814,000 | 2,238 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,470 |
| Trading liabilities | $0 | 66 |
| Other borrowed funds | $29,843,000 | 1,331 |
| Subordinated debt | $0 | 272 |
| All other liabilities | $2,053,000 | 1,892 |
| Total equity capital | $28,029,000 | 2,084 |
| Total bank equity capital | $28,029,000 | 2,084 |
| Perpetual preferred stock | $0 | 118 |
| Common stock | $0 | 8,205 |
| Surplus | $28,563,000 | 861 |
| Undivided profits | $-534,000 | 8,468 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $276,000 | 4,904 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,187 |
| Income earned, not collected on loans | $1,050,000 | 2,906 |
| Earning assets | $249,752,000 | 2,146 |
| Long-term assets (5+ years) | $147,821,000 | 710 |
| Average Assets, year-to-date | $261,758,600 | 2,124 |
| Average Assets, quarterly | $266,775,500 | 2,161 |
| Volatile liabilities | $23,983,000 | 3,640 |
| Insider loans | $2,003,000 | 2,734 |
| FHLB advances | $29,500,000 | 1,248 |
| Loans and leases held for sale | $0 | 1,753 |
| Unused loan commitments | $22,493,000 | 2,796 |
| Tier 1 (core) risk-based capital | $28,045,000 | 1,974 |
| Tier 2 risk-based capital | $825,000 | 4,310 |
| Total risk weighted assets | $144,035,000 | 2,692 |
| Total unused commitments | $22,493,000 | 2,798 |
| Derivatives | $0 | 774 |
| 2004-09-30 | Rank | |
| # of Employees: | 68 | 2,540 |
| Assets and Liabilities | ||
| Total Assets: | $263,812,000 | 2,181 |
| Cash and due from depository institutions | $4,834,000 | 2,540 |
| Interest-bearing balances | $206,000 | 4,376 |
| Securities | $73,511,000 | 1,701 |
| Federal funds sold & reverse repurchase agreements | $3,585,000 | 2,686 |
| Net loans & leases | $165,288,000 | 2,293 |
| Loan loss allowance | $950,000 | 4,194 |
| Trading account assets | $0 | 149 |
| Bank premises and fixed assets | $6,422,000 | 1,584 |
| Other real estate owned | $0 | 2,540 |
| Goodwill and other intangibles | $58,000 | 2,933 |
| All other assets | $10,114,000 | 1,497 |
| Life insurance assets | $0 | 330 |
| Total liabilities and capital | $263,812,000 | 2,181 |
| Total liabilities | $235,941,000 | 2,192 |
| Total deposits | $212,122,000 | 2,184 |
| Interest-bearing deposits | $186,814,000 | 2,107 |
| Deposits held in domestic offices | $212,122,000 | 2,177 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,678 |
| Trading liabilities | $0 | 68 |
| Other borrowed funds | $21,865,000 | 1,621 |
| Subordinated debt | $0 | 276 |
| All other liabilities | $1,954,000 | 1,948 |
| Total equity capital | $27,871,000 | 2,067 |
| Total bank equity capital | $27,871,000 | 2,067 |
| Perpetual preferred stock | $0 | 124 |
| Common stock | $0 | 8,249 |
| Surplus | $28,223,000 | 839 |
| Undivided profits | $-352,000 | 8,470 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $121,000 | 6,320 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,251 |
| Income earned, not collected on loans | $1,050,000 | 2,983 |
| Earning assets | $242,590,000 | 2,175 |
| Long-term assets (5+ years) | $146,635,000 | 721 |
| Average Assets, year-to-date | $259,763,500 | 2,142 |
| Average Assets, quarterly | $263,376,000 | 2,156 |
| Volatile liabilities | $19,334,000 | 4,162 |
| Insider loans | $1,790,000 | 2,897 |
| FHLB advances | $21,500,000 | 1,523 |
| Loans and leases held for sale | $0 | 1,808 |
| Unused loan commitments | $24,061,000 | 2,652 |
| Tier 1 (core) risk-based capital | $27,712,000 | 1,971 |
| Tier 2 risk-based capital | $950,000 | 3,919 |
| Total risk weighted assets | $139,567,000 | 2,743 |
| Total unused commitments | $24,061,000 | 2,656 |
| Derivatives | $0 | 770 |
| 2004-06-30 | Rank | |
| # of Employees: | 71 | 2,431 |
| Assets and Liabilities | ||
| Total Assets: | $262,940,000 | 2,159 |
| Cash and due from depository institutions | $4,613,000 | 2,431 |
| Interest-bearing balances | $1,213,000 | 2,633 |
| Securities | $92,252,000 | 1,417 |
| Federal funds sold & reverse repurchase agreements | $3,469,000 | 2,594 |
| Net loans & leases | $145,853,000 | 2,518 |
| Loan loss allowance | $950,000 | 4,174 |
| Trading account assets | $0 | 153 |
| Bank premises and fixed assets | $6,525,000 | 1,526 |
| Other real estate owned | $0 | 2,431 |
| Goodwill and other intangibles | $0 | 3,275 |
| All other assets | $10,228,000 | 1,486 |
| Life insurance assets | $0 | 323 |
| Total liabilities and capital | $262,940,000 | 2,159 |
| Total liabilities | $235,976,000 | 2,167 |
| Total deposits | $215,024,000 | 2,124 |
| Interest-bearing deposits | $188,773,000 | 2,048 |
| Deposits held in domestic offices | $215,024,000 | 2,118 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,750 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $18,865,000 | 1,779 |
| Subordinated debt | $0 | 288 |
| All other liabilities | $2,087,000 | 1,715 |
| Total equity capital | $26,964,000 | 2,047 |
| Total bank equity capital | $26,964,000 | 2,047 |
| Perpetual preferred stock | $0 | 126 |
| Common stock | $0 | 8,301 |
| Surplus | $27,850,000 | 835 |
| Undivided profits | $-886,000 | 8,640 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $312,000 | 4,936 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,328 |
| Income earned, not collected on loans | $1,194,000 | 2,469 |
| Earning assets | $242,787,000 | 2,146 |
| Long-term assets (5+ years) | $140,452,000 | 778 |
| Average Assets, year-to-date | $258,414,000 | 2,154 |
| Average Assets, quarterly | $260,719,500 | 2,152 |
| Volatile liabilities | $16,515,000 | 4,500 |
| Insider loans | $1,559,000 | 3,165 |
| FHLB advances | $18,500,000 | 1,685 |
| Loans and leases held for sale | $0 | 1,820 |
| Unused loan commitments | $27,339,000 | 2,416 |
| Tier 1 (core) risk-based capital | $27,309,000 | 1,955 |
| Tier 2 risk-based capital | $950,000 | 3,886 |
| Total risk weighted assets | $135,850,000 | 2,779 |
| Total unused commitments | $27,339,000 | 2,418 |
| Derivatives | $0 | 740 |
| 2004-03-31 | Rank | |
| # of Employees: | 73 | 2,346 |
| Assets and Liabilities | ||
| Total Assets: | $258,499,000 | 2,173 |
| Cash and due from depository institutions | $2,991,000 | 2,346 |
| Interest-bearing balances | $258,000 | 4,403 |
| Securities | $94,739,000 | 1,388 |
| Federal funds sold & reverse repurchase agreements | $3,931,000 | 3,300 |
| Net loans & leases | $141,241,000 | 2,530 |
| Loan loss allowance | $951,000 | 4,101 |
| Trading account assets | $0 | 144 |
| Bank premises and fixed assets | $6,530,000 | 1,501 |
| Other real estate owned | $0 | 2,346 |
| Goodwill and other intangibles | $0 | 3,256 |
| All other assets | $9,067,000 | 1,543 |
| Life insurance assets | $0 | 322 |
| Total liabilities and capital | $258,499,000 | 2,173 |
| Total liabilities | $230,254,000 | 2,192 |
| Total deposits | $212,293,000 | 2,127 |
| Interest-bearing deposits | $187,640,000 | 2,057 |
| Deposits held in domestic offices | $212,293,000 | 2,122 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,174 |
| Trading liabilities | $0 | 70 |
| Other borrowed funds | $15,865,000 | 1,869 |
| Subordinated debt | $0 | 287 |
| All other liabilities | $2,096,000 | 1,920 |
| Total equity capital | $28,245,000 | 1,981 |
| Total bank equity capital | $28,245,000 | 1,981 |
| Perpetual preferred stock | $0 | 129 |
| Common stock | $0 | 8,335 |
| Surplus | $27,646,000 | 829 |
| Undivided profits | $599,000 | 7,860 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $561,000 | 3,854 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,356 |
| Income earned, not collected on loans | $1,148,000 | 2,503 |
| Earning assets | $240,169,000 | 2,157 |
| Long-term assets (5+ years) | $132,156,000 | 816 |
| Average Assets, year-to-date | $256,151,000 | 2,176 |
| Average Assets, quarterly | $256,151,000 | 2,176 |
| Volatile liabilities | $16,529,000 | 4,431 |
| Insider loans | $1,975,000 | 2,669 |
| FHLB advances | $15,500,000 | 1,767 |
| Loans and leases held for sale | $0 | 1,884 |
| Unused loan commitments | $23,447,000 | 2,627 |
| Tier 1 (core) risk-based capital | $27,081,000 | 1,943 |
| Tier 2 risk-based capital | $951,000 | 3,823 |
| Total risk weighted assets | $133,726,000 | 2,771 |
| Total unused commitments | $23,447,000 | 2,635 |
| Derivatives | $0 | 699 |
| 2003-12-31 | Rank | |
| # of Employees: | 75 | 2,305 |
| Assets and Liabilities | ||
| Total Assets: | $253,803,000 | 2,208 |
| Cash and due from depository institutions | $3,268,000 | 2,305 |
| Interest-bearing balances | $137,000 | 4,926 |
| Securities | $89,051,000 | 1,500 |
| Federal funds sold & reverse repurchase agreements | $3,057,000 | 3,245 |
| Net loans & leases | $143,268,000 | 2,484 |
| Loan loss allowance | $942,000 | 4,131 |
| Trading account assets | $0 | 168 |
| Bank premises and fixed assets | $6,548,000 | 1,489 |
| Other real estate owned | $0 | 2,305 |
| Goodwill and other intangibles | $0 | 3,237 |
| All other assets | $8,611,000 | 1,639 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $253,803,000 | 2,208 |
| Total liabilities | $226,172,000 | 2,232 |
| Total deposits | $214,218,000 | 2,114 |
| Interest-bearing deposits | $190,670,000 | 2,014 |
| Deposits held in domestic offices | $214,218,000 | 2,109 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,433 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $9,866,000 | 2,470 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $2,088,000 | 1,812 |
| Total equity capital | $27,631,000 | 1,985 |
| Total bank equity capital | $27,631,000 | 1,985 |
| Perpetual preferred stock | $0 | 131 |
| Common stock | $0 | 8,396 |
| Surplus | $27,300,000 | 830 |
| Undivided profits | $331,000 | 8,136 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $623,000 | 3,653 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,287 |
| Income earned, not collected on loans | $1,295,000 | 2,309 |
| Earning assets | $235,513,000 | 2,187 |
| Long-term assets (5+ years) | $133,450,000 | 814 |
| Average Assets, year-to-date | $252,595,200 | 2,129 |
| Average Assets, quarterly | $254,882,500 | 2,179 |
| Volatile liabilities | $13,415,000 | 4,917 |
| Insider loans | $1,213,000 | 3,630 |
| FHLB advances | $9,500,000 | 2,377 |
| Loans and leases held for sale | $0 | 1,789 |
| Unused loan commitments | $22,318,000 | 2,643 |
| Tier 1 (core) risk-based capital | $26,707,000 | 1,949 |
| Tier 2 risk-based capital | $942,000 | 3,838 |
| Total risk weighted assets | $136,223,000 | 2,696 |
| Total unused commitments | $22,318,000 | 2,647 |
| Derivatives | $0 | 665 |
| 2003-09-30 | Rank | |
| # of Employees: | 74 | 2,339 |
| Assets and Liabilities | ||
| Total Assets: | $255,962,000 | 2,187 |
| Cash and due from depository institutions | $4,339,000 | 2,339 |
| Interest-bearing balances | $149,000 | 4,964 |
| Securities | $88,888,000 | 1,486 |
| Federal funds sold & reverse repurchase agreements | $6,024,000 | 2,242 |
| Net loans & leases | $141,557,000 | 2,496 |
| Loan loss allowance | $911,000 | 4,227 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $6,665,000 | 1,440 |
| Other real estate owned | $0 | 2,339 |
| Goodwill and other intangibles | $0 | 3,226 |
| All other assets | $8,489,000 | 1,657 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $255,962,000 | 2,187 |
| Total liabilities | $228,296,000 | 2,198 |
| Total deposits | $216,206,000 | 2,095 |
| Interest-bearing deposits | $193,895,000 | 2,009 |
| Deposits held in domestic offices | $216,206,000 | 2,091 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,347 |
| Trading liabilities | $0 | 72 |
| Other borrowed funds | $9,886,000 | 2,438 |
| Subordinated debt | $0 | 293 |
| All other liabilities | $2,204,000 | 1,781 |
| Total equity capital | $27,666,000 | 1,984 |
| Total bank equity capital | $27,666,000 | 1,984 |
| Perpetual preferred stock | $0 | 137 |
| Common stock | $0 | 8,445 |
| Surplus | $26,994,000 | 833 |
| Undivided profits | $672,000 | 7,890 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $633,000 | 3,813 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,354 |
| Income earned, not collected on loans | $1,179,000 | 2,674 |
| Earning assets | $236,618,000 | 2,172 |
| Long-term assets (5+ years) | $128,457,000 | 859 |
| Average Assets, year-to-date | $252,293,250 | 2,152 |
| Average Assets, quarterly | $254,172,500 | 2,188 |
| Volatile liabilities | $14,367,000 | 4,727 |
| Insider loans | $1,236,000 | 3,562 |
| FHLB advances | $9,500,000 | 2,345 |
| Loans and leases held for sale | $0 | 1,962 |
| Unused loan commitments | $24,684,000 | 2,464 |
| Tier 1 (core) risk-based capital | $26,375,000 | 1,973 |
| Tier 2 risk-based capital | $911,000 | 3,929 |
| Total risk weighted assets | $136,815,000 | 2,660 |
| Total unused commitments | $24,684,000 | 2,466 |
| Derivatives | $0 | 666 |
| 2003-06-30 | Rank | |
| # of Employees: | 71 | 2,457 |
| Assets and Liabilities | ||
| Total Assets: | $252,383,000 | 2,188 |
| Cash and due from depository institutions | $4,041,000 | 2,457 |
| Interest-bearing balances | $190,000 | 4,870 |
| Securities | $87,625,000 | 1,458 |
| Federal funds sold & reverse repurchase agreements | $7,047,000 | 2,257 |
| Net loans & leases | $138,425,000 | 2,497 |
| Loan loss allowance | $928,000 | 4,146 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $6,603,000 | 1,426 |
| Other real estate owned | $0 | 2,457 |
| Goodwill and other intangibles | $0 | 3,182 |
| All other assets | $8,642,000 | 1,583 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $252,383,000 | 2,188 |
| Total liabilities | $224,780,000 | 2,212 |
| Total deposits | $212,543,000 | 2,108 |
| Interest-bearing deposits | $189,813,000 | 2,022 |
| Deposits held in domestic offices | $212,543,000 | 2,103 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,266 |
| Trading liabilities | $0 | 74 |
| Other borrowed funds | $9,886,000 | 2,401 |
| Subordinated debt | $0 | 266 |
| All other liabilities | $2,351,000 | 1,775 |
| Total equity capital | $27,603,000 | 1,971 |
| Total bank equity capital | $27,603,000 | 1,971 |
| Perpetual preferred stock | $0 | 140 |
| Common stock | $0 | 8,468 |
| Surplus | $26,696,000 | 823 |
| Undivided profits | $907,000 | 7,685 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $664,000 | 3,762 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,408 |
| Income earned, not collected on loans | $1,274,000 | 2,353 |
| Earning assets | $233,287,000 | 2,170 |
| Long-term assets (5+ years) | $133,126,000 | 799 |
| Average Assets, year-to-date | $251,070,330 | 2,155 |
| Average Assets, quarterly | $252,383,000 | 2,161 |
| Volatile liabilities | $15,258,000 | 4,539 |
| Insider loans | $1,139,000 | 3,746 |
| FHLB advances | $9,500,000 | 2,291 |
| Loans and leases held for sale | $0 | 2,044 |
| Unused loan commitments | $23,128,000 | 2,552 |
| Tier 1 (core) risk-based capital | $25,681,000 | 1,992 |
| Tier 2 risk-based capital | $928,000 | 3,838 |
| Total risk weighted assets | $135,756,000 | 2,649 |
| Total unused commitments | $23,128,000 | 2,559 |
| Derivatives | $0 | 623 |
| 2003-03-31 | Rank | |
| # of Employees: | 72 | 2,394 |
| Assets and Liabilities | ||
| Total Assets: | $252,383,000 | 2,157 |
| Cash and due from depository institutions | $4,741,000 | 2,394 |
| Interest-bearing balances | $338,000 | 4,193 |
| Securities | $88,788,000 | 1,420 |
| Federal funds sold & reverse repurchase agreements | $11,258,000 | 1,499 |
| Net loans & leases | $132,054,000 | 2,549 |
| Loan loss allowance | $928,000 | 4,096 |
| Trading account assets | $0 | 169 |
| Bank premises and fixed assets | $6,300,000 | 1,479 |
| Other real estate owned | $0 | 2,394 |
| Goodwill and other intangibles | $0 | 3,151 |
| All other assets | $9,242,000 | 1,459 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $252,383,000 | 2,157 |
| Total liabilities | $225,189,000 | 2,171 |
| Total deposits | $212,949,000 | 2,083 |
| Interest-bearing deposits | $190,565,000 | 2,006 |
| Deposits held in domestic offices | $212,949,000 | 2,079 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,057 |
| Trading liabilities | $0 | 79 |
| Other borrowed funds | $9,886,000 | 2,327 |
| Subordinated debt | $0 | 265 |
| All other liabilities | $2,354,000 | 1,811 |
| Total equity capital | $27,194,000 | 1,959 |
| Total bank equity capital | $27,194,000 | 1,959 |
| Perpetual preferred stock | $0 | 141 |
| Common stock | $0 | 8,511 |
| Surplus | $26,438,000 | 815 |
| Undivided profits | $756,000 | 7,801 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $829,000 | 3,215 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,422 |
| Income earned, not collected on loans | $1,292,000 | 2,366 |
| Earning assets | $232,438,000 | 2,149 |
| Long-term assets (5+ years) | $128,592,000 | 788 |
| Average Assets, year-to-date | $250,414,000 | 2,144 |
| Average Assets, quarterly | $250,414,000 | 2,144 |
| Volatile liabilities | $17,286,000 | 4,177 |
| Insider loans | $1,149,000 | 3,643 |
| FHLB advances | $9,500,000 | 2,227 |
| Loans and leases held for sale | $0 | 1,961 |
| Unused loan commitments | $30,661,000 | 2,002 |
| Tier 1 (core) risk-based capital | $25,108,000 | 1,996 |
| Tier 2 risk-based capital | $928,000 | 3,783 |
| Total risk weighted assets | $143,445,000 | 2,458 |
| Total unused commitments | $30,661,000 | 2,010 |
| Derivatives | $0 | 578 |
| 2002-12-31 | Rank | |
| # of Employees: | 75 | 2,294 |
| Assets and Liabilities | ||
| Total Assets: | $248,445,000 | 2,158 |
| Cash and due from depository institutions | $5,752,000 | 2,294 |
| Interest-bearing balances | $480,000 | 3,830 |
| Securities | $90,393,000 | 1,372 |
| Federal funds sold & reverse repurchase agreements | $9,297,000 | 1,559 |
| Net loans & leases | $128,574,000 | 2,587 |
| Loan loss allowance | $929,000 | 4,018 |
| Trading account assets | $0 | 170 |
| Bank premises and fixed assets | $5,848,000 | 1,591 |
| Other real estate owned | $0 | 2,294 |
| Goodwill and other intangibles | $0 | 3,122 |
| All other assets | $8,581,000 | 1,502 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $248,445,000 | 2,158 |
| Total liabilities | $221,416,000 | 2,167 |
| Total deposits | $209,418,000 | 2,072 |
| Interest-bearing deposits | $186,082,000 | 2,012 |
| Deposits held in domestic offices | $209,418,000 | 2,070 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,222 |
| Trading liabilities | $0 | 75 |
| Other borrowed funds | $9,885,000 | 2,347 |
| Subordinated debt | $0 | 258 |
| All other liabilities | $2,113,000 | 1,941 |
| Total equity capital | $27,029,000 | 1,940 |
| Total bank equity capital | $27,029,000 | 1,940 |
| Perpetual preferred stock | $0 | 142 |
| Common stock | $0 | 8,549 |
| Surplus | $26,179,000 | 798 |
| Undivided profits | $850,000 | 7,751 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $278,000 | 5,330 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,384 |
| Income earned, not collected on loans | $1,430,000 | 2,218 |
| Earning assets | $228,744,000 | 2,146 |
| Long-term assets (5+ years) | $127,735,000 | 783 |
| Average Assets, year-to-date | $237,411,600 | 2,157 |
| Average Assets, quarterly | $244,801,500 | 2,155 |
| Volatile liabilities | $18,204,000 | 3,983 |
| Insider loans | $289,000 | 6,375 |
| FHLB advances | $9,500,000 | 2,224 |
| Loans and leases held for sale | $0 | 1,889 |
| Unused loan commitments | $25,091,000 | 2,253 |
| Tier 1 (core) risk-based capital | $24,880,000 | 1,973 |
| Tier 2 risk-based capital | $929,000 | 3,737 |
| Total risk weighted assets | $140,937,000 | 2,468 |
| Total unused commitments | $25,091,000 | 2,258 |
| Derivatives | $0 | 527 |
| 2001-12-31 | Rank | |
| # of Employees: | 68 | 2,501 |
| Assets and Liabilities | ||
| Total Assets: | $229,049,000 | 2,225 |
| Cash and due from depository institutions | $5,577,000 | 2,501 |
| Interest-bearing balances | $529,000 | 3,612 |
| Securities | $68,147,000 | 1,643 |
| Federal funds sold & reverse repurchase agreements | $8,403,000 | 1,741 |
| Net loans & leases | $136,263,000 | 2,372 |
| Loan loss allowance | $929,000 | 3,791 |
| Trading account assets | $0 | 182 |
| Bank premises and fixed assets | $3,362,000 | 2,685 |
| Other real estate owned | $0 | 2,501 |
| Goodwill and other intangibles | $0 | 3,095 |
| All other assets | $7,297,000 | 1,609 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $229,049,000 | 2,225 |
| Total liabilities | $203,706,000 | 2,245 |
| Total deposits | $189,807,000 | 2,176 |
| Interest-bearing deposits | $170,323,000 | 2,075 |
| Deposits held in domestic offices | $189,807,000 | 2,171 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,416 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $12,404,000 | 1,908 |
| Subordinated debt | $0 | 241 |
| All other liabilities | $1,495,000 | 2,541 |
| Total equity capital | $25,343,000 | 1,943 |
| Total bank equity capital | $25,343,000 | 1,943 |
| Perpetual preferred stock | $0 | 158 |
| Common stock | $0 | 8,780 |
| Surplus | $25,238,000 | 797 |
| Undivided profits | $105,000 | 8,604 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 8,611 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,476 |
| Income earned, not collected on loans | $1,195,000 | 2,898 |
| Earning assets | $213,342,000 | 2,184 |
| Long-term assets (5+ years) | $121,112,000 | 812 |
| Average Assets, year-to-date | $222,169,600 | 2,189 |
| Average Assets, quarterly | $227,333,500 | 2,220 |
| Volatile liabilities | $18,838,000 | 3,849 |
| Insider loans | $299,000 | 6,411 |
| FHLB advances | $12,000,000 | 1,794 |
| Loans and leases held for sale | $0 | 1,749 |
| Unused loan commitments | $16,416,000 | 2,865 |
| Tier 1 (core) risk-based capital | $24,203,000 | 1,911 |
| Tier 2 risk-based capital | $929,000 | 3,559 |
| Total risk weighted assets | $137,888,000 | 2,419 |
| Total unused commitments | $16,416,000 | 2,875 |
| Derivatives | $0 | 450 |
| 2000-12-31 | Rank | |
| # of Employees: | 70 | 2,451 |
| Assets and Liabilities | ||
| Total Assets: | $212,204,000 | 2,297 |
| Cash and due from depository institutions | $6,484,000 | 2,451 |
| Interest-bearing balances | $654,000 | 2,779 |
| Securities | $76,791,000 | 1,435 |
| Federal funds sold & reverse repurchase agreements | $5,839,000 | 2,057 |
| Net loans & leases | $115,545,000 | 2,670 |
| Loan loss allowance | $887,000 | 3,834 |
| Trading account assets | $0 | 175 |
| Bank premises and fixed assets | $2,268,000 | 3,640 |
| Other real estate owned | $23,000 | 2,451 |
| Goodwill and other intangibles | $0 | 3,145 |
| All other assets | $5,254,000 | 1,730 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $212,204,000 | 2,297 |
| Total liabilities | $188,693,000 | 2,327 |
| Total deposits | $170,247,000 | 2,325 |
| Interest-bearing deposits | $152,848,000 | 2,228 |
| Deposits held in domestic offices | $170,247,000 | 2,318 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,755 |
| Trading liabilities | $0 | 77 |
| Other borrowed funds | $16,913,000 | 1,477 |
| Subordinated debt | $0 | 239 |
| All other liabilities | $1,533,000 | 2,546 |
| Total equity capital | $23,511,000 | 1,977 |
| Total bank equity capital | $23,511,000 | 1,977 |
| Perpetual preferred stock | $0 | 178 |
| Common stock | $0 | 9,055 |
| Surplus | $22,128,000 | 870 |
| Undivided profits | $1,383,000 | 7,222 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $77,000 | 7,079 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,385 |
| Income earned, not collected on loans | $428,000 | 5,660 |
| Earning assets | $198,829,000 | 2,247 |
| Long-term assets (5+ years) | $96,273,000 | 943 |
| Average Assets, year-to-date | $193,768,600 | 2,408 |
| Average Assets, quarterly | $209,110,000 | 2,294 |
| Volatile liabilities | $17,817,000 | 3,952 |
| Insider loans | $234,000 | 6,897 |
| FHLB advances | $0 | 771 |
| Loans and leases held for sale | $0 | 1,442 |
| Unused loan commitments | $10,247,000 | 3,687 |
| Tier 1 (core) risk-based capital | $23,009,000 | 1,936 |
| Tier 2 risk-based capital | $887,000 | 3,621 |
| Total risk weighted assets | $123,142,000 | 2,576 |
| Total unused commitments | $10,247,000 | 3,688 |
| Derivatives | $0 | 481 |
| 1999-12-31 | Rank | |
| # of Employees: | 63 | 2,831 |
| Assets and Liabilities | ||
| Total Assets: | $181,359,000 | 2,612 |
| Cash and due from depository institutions | $6,173,000 | 2,831 |
| Interest-bearing balances | $357,000 | 3,462 |
| Securities | $69,052,000 | 1,658 |
| Federal funds sold & reverse repurchase agreements | $5,859,000 | 1,647 |
| Net loans & leases | $92,912,000 | 3,128 |
| Loan loss allowance | $879,000 | 3,798 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,697,000 | 4,476 |
| Other real estate owned | $23,000 | 2,831 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $5,643,000 | 1,619 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $181,359,000 | 2,612 |
| Total liabilities | $162,404,000 | 2,628 |
| Total deposits | $154,995,000 | 2,479 |
| Interest-bearing deposits | $143,464,000 | 2,301 |
| Deposits held in domestic offices | $154,995,000 | 2,476 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $4,000,000 | 3,128 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $3,409,000 | 1,242 |
| Total equity capital | $18,955,000 | 2,315 |
| Total bank equity capital | $18,955,000 | 2,315 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $0 | 9,357 |
| Surplus | $20,028,000 | 928 |
| Undivided profits | $-1,073,000 | 9,882 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 9,001 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $255,000 | 7,032 |
| Earning assets | $168,180,000 | 2,572 |
| Long-term assets (5+ years) | $87,474,000 | 1,074 |
| Average Assets, year-to-date | $171,672,000 | 2,623 |
| Average Assets, quarterly | $177,958,000 | 2,624 |
| Volatile liabilities | $12,358,000 | 4,842 |
| Insider loans | $118,000 | 7,831 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $7,440,000 | 4,467 |
| Tier 1 (core) risk-based capital | $19,912,000 | 2,207 |
| Tier 2 risk-based capital | $879,000 | 3,526 |
| Total risk weighted assets | $101,488,400 | 2,937 |
| Total unused commitments | $7,440,000 | 4,471 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 55 | 3,196 |
| Assets and Liabilities | ||
| Total Assets: | $162,759,000 | 2,822 |
| Cash and due from depository institutions | $2,687,000 | 3,196 |
| Interest-bearing balances | $16,000 | 6,120 |
| Securities | $64,786,000 | 1,815 |
| Federal funds sold & reverse repurchase agreements | $7,706,000 | 2,225 |
| Net loans & leases | $84,260,000 | 3,215 |
| Loan loss allowance | $836,000 | 3,860 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,551,000 | 4,685 |
| Other real estate owned | $53,000 | 3,196 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $1,716,000 | 3,999 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $162,759,000 | 2,822 |
| Total liabilities | $143,029,000 | 2,874 |
| Total deposits | $139,854,000 | 2,724 |
| Interest-bearing deposits | $130,192,000 | 2,494 |
| Deposits held in domestic offices | $139,854,000 | 2,720 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $2,000,000 | 3,227 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,175,000 | 3,087 |
| Total equity capital | $19,730,000 | 2,287 |
| Total bank equity capital | $19,730,000 | 2,287 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $0 | 9,564 |
| Surplus | $18,662,000 | 927 |
| Undivided profits | $1,068,000 | 8,116 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $0 | 9,467 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $248,000 | 7,266 |
| Earning assets | $156,768,000 | 2,707 |
| Long-term assets (5+ years) | $67,923,000 | 1,236 |
| Average Assets, year-to-date | $154,220,200 | 2,805 |
| Average Assets, quarterly | $160,713,500 | 2,817 |
| Volatile liabilities | $11,558,000 | 4,561 |
| Insider loans | $413,000 | 5,757 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $11,495,000 | 3,315 |
| Tier 1 (core) risk-based capital | $18,662,000 | 2,293 |
| Tier 2 risk-based capital | $1,334,600 | 2,348 |
| Total risk weighted assets | $88,837,100 | 3,135 |
| Total unused commitments | $11,495,000 | 3,319 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 50 | 3,586 |
| Assets and Liabilities | ||
| Total Assets: | $149,725,000 | 2,980 |
| Cash and due from depository institutions | $3,583,000 | 3,586 |
| Interest-bearing balances | $41,000 | 5,469 |
| Securities | $65,503,000 | 1,753 |
| Federal funds sold & reverse repurchase agreements | $4,516,000 | 2,958 |
| Net loans & leases | $72,633,000 | 3,705 |
| Loan loss allowance | $807,000 | 4,017 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,474,000 | 4,775 |
| Other real estate owned | $33,000 | 3,586 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $1,983,000 | 3,535 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $149,725,000 | 2,980 |
| Total liabilities | $131,814,000 | 3,030 |
| Total deposits | $130,689,000 | 2,862 |
| Interest-bearing deposits | $122,152,000 | 2,626 |
| Deposits held in domestic offices | $130,689,000 | 2,856 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,125,000 | 3,234 |
| Total equity capital | $17,911,000 | 2,491 |
| Total bank equity capital | $17,911,000 | 2,491 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $0 | 9,968 |
| Surplus | $17,247,000 | 980 |
| Undivided profits | $664,000 | 9,156 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $72,000 | 8,138 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $220,000 | 7,948 |
| Earning assets | $142,693,000 | 2,889 |
| Long-term assets (5+ years) | $39,372,000 | 1,701 |
| Average Assets, year-to-date | $143,301,600 | 2,963 |
| Average Assets, quarterly | $146,789,500 | 2,985 |
| Volatile liabilities | $8,009,000 | 5,709 |
| Insider loans | $450,000 | 5,692 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $11,987,000 | 3,051 |
| Tier 1 (core) risk-based capital | $17,247,000 | 2,473 |
| Tier 2 risk-based capital | $807,000 | 3,538 |
| Total risk weighted assets | $72,620,900 | 3,710 |
| Total unused commitments | $11,987,000 | 3,053 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 51 | 3,657 |
| Assets and Liabilities | ||
| Total Assets: | $141,971,000 | 3,191 |
| Cash and due from depository institutions | $2,076,000 | 3,657 |
| Interest-bearing balances | $23,000 | 5,854 |
| Securities | $64,202,000 | 1,887 |
| Federal funds sold & reverse repurchase agreements | $6,008,000 | 2,164 |
| Net loans & leases | $66,051,000 | 4,045 |
| Loan loss allowance | $696,000 | 4,695 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,423,000 | 4,871 |
| Other real estate owned | $149,000 | 3,657 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $2,062,000 | 3,517 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $141,971,000 | 3,191 |
| Total liabilities | $125,741,000 | 3,248 |
| Total deposits | $121,570,000 | 3,135 |
| Interest-bearing deposits | $114,783,000 | 2,868 |
| Deposits held in domestic offices | $121,570,000 | 3,127 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $3,000,000 | 2,282 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,171,000 | 3,125 |
| Total equity capital | $16,230,000 | 2,762 |
| Total bank equity capital | $16,230,000 | 2,762 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $0 | 10,450 |
| Surplus | $15,848,000 | 1,092 |
| Undivided profits | $382,000 | 10,057 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $158,000 | 7,229 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $207,000 | 8,342 |
| Earning assets | $136,284,000 | 3,063 |
| Long-term assets (5+ years) | $35,887,000 | 1,709 |
| Average Assets, year-to-date | $135,036,000 | 3,214 |
| Average Assets, quarterly | $141,168,000 | 3,172 |
| Volatile liabilities | $11,211,000 | 4,507 |
| Insider loans | $524,000 | 5,400 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $6,242,000 | 4,525 |
| Tier 1 (core) risk-based capital | $15,848,000 | 2,747 |
| Tier 2 risk-based capital | $696,000 | 4,084 |
| Total risk weighted assets | $65,875,100 | 4,045 |
| Total unused commitments | $6,242,000 | 4,539 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 46 | 4,150 |
| Assets and Liabilities | ||
| Total Assets: | $128,142,000 | 3,517 |
| Cash and due from depository institutions | $3,604,000 | 4,150 |
| Interest-bearing balances | $55,000 | 5,676 |
| Securities | $58,748,000 | 2,126 |
| Federal funds sold & reverse repurchase agreements | $2,375,000 | 5,058 |
| Net loans & leases | $59,966,000 | 4,277 |
| Loan loss allowance | $615,000 | 5,205 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,351,000 | 5,004 |
| Other real estate owned | $198,000 | 4,150 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,900,000 | 3,804 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $128,142,000 | 3,517 |
| Total liabilities | $112,869,000 | 3,582 |
| Total deposits | $111,620,000 | 3,436 |
| Interest-bearing deposits | $105,943,000 | 3,114 |
| Deposits held in domestic offices | $111,620,000 | 3,428 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,249,000 | 3,028 |
| Total equity capital | $15,273,000 | 2,927 |
| Total bank equity capital | $15,273,000 | 2,927 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $0 | 10,908 |
| Surplus | $14,763,000 | 1,158 |
| Undivided profits | $510,000 | 10,283 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,000 | 10,838 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $215,000 | 8,502 |
| Earning assets | $121,144,000 | 3,408 |
| Long-term assets (5+ years) | $36,734,000 | 1,538 |
| Average Assets, year-to-date | $123,266,000 | 3,510 |
| Average Assets, quarterly | $126,893,500 | 3,496 |
| Volatile liabilities | $8,604,000 | 5,033 |
| Insider loans | $634,000 | 4,967 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $6,092,000 | 4,460 |
| Tier 1 (core) risk-based capital | $14,763,000 | 2,918 |
| Tier 2 risk-based capital | $615,000 | 4,480 |
| Total risk weighted assets | $59,414,200 | 4,354 |
| Total unused commitments | $6,092,000 | 4,472 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 41 | 4,778 |
| Assets and Liabilities | ||
| Total Assets: | $119,349,000 | 3,714 |
| Cash and due from depository institutions | $2,372,000 | 4,778 |
| Interest-bearing balances | $22,000 | 6,452 |
| Securities | $55,525,000 | 2,362 |
| Federal funds sold & reverse repurchase agreements | $2,790,000 | 2,989 |
| Net loans & leases | $54,810,000 | 4,541 |
| Loan loss allowance | $500,000 | 6,173 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,186,000 | 5,471 |
| Other real estate owned | $172,000 | 4,778 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $2,494,000 | 3,157 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $119,349,000 | 3,714 |
| Total liabilities | $106,393,000 | 3,773 |
| Total deposits | $105,108,000 | 3,615 |
| Interest-bearing deposits | $100,492,000 | 3,243 |
| Deposits held in domestic offices | $105,108,000 | 3,606 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $1,285,000 | 2,505 |
| Total equity capital | $12,956,000 | 3,155 |
| Total bank equity capital | $12,956,000 | 3,155 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $0 | 11,459 |
| Surplus | $13,486,000 | 1,183 |
| Undivided profits | $-530,000 | 12,018 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $291,000 | 5,721 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $189,000 | 8,718 |
| Earning assets | $113,147,000 | 3,588 |
| Long-term assets (5+ years) | $39,799,000 | 1,433 |
| Average Assets, year-to-date | $115,925,800 | 3,722 |
| Average Assets, quarterly | $118,735,000 | 3,709 |
| Volatile liabilities | $5,977,000 | 6,102 |
| Insider loans | $645,000 | 4,900 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $5,741,000 | 4,513 |
| Tier 1 (core) risk-based capital | $13,486,000 | 3,074 |
| Tier 2 risk-based capital | $500,000 | 5,278 |
| Total risk weighted assets | $55,568,400 | 4,522 |
| Total unused commitments | $5,741,000 | 4,521 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 42 | 4,837 |
| Assets and Liabilities | ||
| Total Assets: | $113,228,000 | 3,969 |
| Cash and due from depository institutions | $2,488,000 | 4,837 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $52,387,000 | 2,638 |
| Federal funds sold & reverse repurchase agreements | $3,155,000 | 4,215 |
| Net loans & leases | $51,930,000 | 4,637 |
| Loan loss allowance | $450,000 | 6,839 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $1,046,000 | 5,958 |
| Other real estate owned | $406,000 | 4,837 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,816,000 | 3,748 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $113,228,000 | 3,969 |
| Total liabilities | $100,637,000 | 4,042 |
| Total deposits | $99,527,000 | 3,914 |
| Interest-bearing deposits | $96,975,000 | 3,491 |
| Deposits held in domestic offices | $99,527,000 | 3,907 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $1,110,000 | 2,877 |
| Total equity capital | $12,591,000 | 3,228 |
| Total bank equity capital | $12,591,000 | 3,228 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $0 | 11,979 |
| Surplus | $12,591,000 | 1,187 |
| Undivided profits | $0 | 12,194 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $242,000 | 7,011 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $163,000 | 9,106 |
| Earning assets | $107,472,000 | 3,855 |
| Long-term assets (5+ years) | $35,521,000 | 1,635 |
| Average Assets, year-to-date | $114,816,400 | 3,829 |
| Average Assets, quarterly | $114,346,000 | 3,904 |
| Volatile liabilities | $6,361,000 | 5,660 |
| Insider loans | $904,000 | 4,009 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $5,769,000 | 4,491 |
| Tier 1 (core) risk-based capital | $12,591,000 | 3,152 |
| Tier 2 risk-based capital | $450,000 | 5,734 |
| Total risk weighted assets | $52,518,100 | 4,689 |
| Total unused commitments | $5,769,000 | 4,514 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 39 | 5,307 |
| Assets and Liabilities | ||
| Total Assets: | $115,473,000 | 3,973 |
| Cash and due from depository institutions | $2,348,000 | 5,307 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $44,891,000 | 3,040 |
| Federal funds sold & reverse repurchase agreements | $3,255,000 | 4,754 |
| Net loans & leases | $61,622,000 | 4,071 |
| Loan loss allowance | $375,000 | 7,772 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,069,000 | 5,947 |
| Other real estate owned | $684,000 | 5,307 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,604,000 | 4,347 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $115,473,000 | 3,973 |
| Total liabilities | $104,061,000 | 4,037 |
| Total deposits | $103,163,000 | 3,887 |
| Interest-bearing deposits | $100,817,000 | 3,500 |
| Deposits held in domestic offices | $103,163,000 | 3,878 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $898,000 | 3,585 |
| Total equity capital | $11,412,000 | 3,372 |
| Total bank equity capital | $11,412,000 | 3,372 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $11,412,000 | 1,264 |
| Undivided profits | $0 | 12,496 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $2,000 | 12,912 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $281,000 | 6,882 |
| Earning assets | $109,768,000 | 3,833 |
| Long-term assets (5+ years) | $37,099,000 | 1,548 |
| Average Assets, year-to-date | $113,105,800 | 3,966 |
| Average Assets, quarterly | $114,284,500 | 3,980 |
| Volatile liabilities | $5,973,000 | 5,902 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $5,729,000 | 4,237 |
| Tier 1 (core) risk-based capital | $11,412,000 | 3,319 |
| Tier 2 risk-based capital | $375,000 | 6,541 |
| Total risk weighted assets | $56,763,400 | 4,435 |
| Total unused commitments | $5,729,000 | 4,257 |
| Derivatives | $0 | 651 |