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TEAM FINANCIAL INC (TFIN)
Team Financial, Inc. operates as the holding company for TeamBank N.A and Colorado National Bank, which provide community banking and financial services in Kansas, Missouri, Nebraska, and Colorado. The company accepts checking and NOW accounts, savings accounts, individual retirement accounts, and certificates of deposit. It also offers residential mortgage loans; consumer loans, including home equity lines of credit, auto loans, recreational vehicle loans, and other secured and unsecured loans; mortgages for multifamily real estate; commercial real estate loans; commercial loans to businesses, such as revolving lines of credit and term loans; real estate development and construction loans; and agricultural loans. In addition, the company provides trust and estate planning, personal investment financial counseling services, access to merchant bankcard services, electronic funds transfer, debit cards and credit cards, and telephone and Internet banking services, as well as functions as a federal tax depository. It invests in U.S. agency securities, obligations of state and political subdivisions, mortgage-backed securities, and other securities. As of September 30, 2005, the company had branches in seven locations in the Kansas City metropolitan area; three locations in southeast Kansas; two locations in western Missouri; three in the metropolitan area of Omaha, Nebraska; and three in the Colorado Springs, Colorado metropolitan area. Team Financial is based in Paola, Kansas.
WGNB Corp. operates as the holding company for West Georgia National Bank, which provides commercial and consumer banking services in Carroll, Douglas, and Paulding counties in Georgia. The bank accepts checking accounts, NOW accounts, and savings accounts, as well as various time deposits, such as money market accounts and longer-term certificates of deposit. It also offers financial and agricultural loans; real estate loans, including residential and commercial construction loans, and first and second mortgage loans for the acquisition or improvement of personal residences; commercial loans, such as equipment loans, inventory loans, and unsecured working capital lines; and consumer loans for personal and household purposes, including secured and unsecured installment and term loans, and lines of credit. In addition, the bank provides Internet banking services. It offers its services to individuals, and small to medium-sized businesses. The bank invests in U.S. government agencies; mortgage-backed securities; securities of state, county, and municipals; and corporate bonds. As of December 31, 2004, the bank operated seven branch offices and six additional 24-hour ATM sites located in Carroll and Douglas counties in Georgia. The company was founded in 1946 and is based in Carrollton, Georgia.
PATHFINDER BANCORP INC (PBHC)
Pathfinder Bancorp, Inc., through its principal subsidiary, Pathfinder Bank (bank), offers banking and financial services in the Oswego County. It offers demand and time deposits; and NOW, savings and club, and money management accounts. The bank also originates commercial and residential real estate, commercial, and consumer loans. As of December 31, 2004, the bank operated six full-service offices. It invests primarily in securities issued by the United States government agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, equity securities, and mortgage-backed securities primarily issued or guaranteed by the United States government sponsored enterprises. The company is headquartered in Oswego, New York. Pathfinder Bancorp, Inc. is majority owned by Pathfinder Bancorp, M.H.C.
PEOPLES FINANCIAL CORPORATION (PFBX)
Peoples Financial Corporation operates as the holding company for The Peoples Bank, which provides commercial banking services in Mississippi. The bank accepts interest bearing and noninterest bearing checking accounts, savings accounts, certificates of deposit, and IRA accounts. It also offers business, real estate, and construction loans; real estate mortgage loans; loans to finance agricultural production and other loans to farmers; commercial and industrial loans; and loans to individuals for household, family, and other consumer expenditures. In addition, the bank provides nondeposit funds management accounts; collection services; personal trust, agencies, and estate services; wire services; safe deposit box facilities; night drop facilities; cash management; automated teller machines; and Internet or home banking. It provides its services to individuals and small to middle market businesses. The bank invests in U.S. treasury securities, U.S. government agencies securities, securities of states and political subdivisions, and others securities. As of December 31, 2004, the bank had 15 branches located in Harrison, Hancock, Jackson, and Stone counties. The company was founded in 1896 and is headquartered in Biloxi, Mississippi.
FFD FINANCIAL CORPORATION (FFDF)
FFD Financial Corporation operates as a holding company for First Federal Community Bank that provides general banking services in north central Ohio. The bank involves in generating deposits from individual and business customers and originating loans to individuals and businesses primarily in Tuscarawas and contiguous counties in Ohio. Its deposit products include checking, savings, money market, individual retirement accounts, and certificates of deposit. The bank originates residential and home equity loans, construction loans, real estate loans secured by one- to four-family residential properties, nonresidential real estate loans, business loans, and consumer loans. It primarily invests in U.S. Government agency obligations, interest bearing deposits in other financial institutions, and mortgage-backed securities. As of June 30, 2005, the bank operated two branches in Dover, Ohio; one branch in New Philadelphia, Ohio; and two loan production offices in Coshocton and Sugarcreek, Ohio. First Federal was incorporated in 1898 and is based in Dover, Ohio.
CODORUS VALLEY BANCORP INC (CVLY)
Codorus Valley Bancorp, Inc. operates as the holding company for PeoplesBank that offers various business and consumer banking services in the York County, Pennsylvania. The bank engages in generating deposits and originating loans. Its deposit products include checking, savings, and individual retirement accounts, as well as certificates of deposit. The bank's loan portfolio primarily comprises consumer and commercial loans, and credit cards. It also offers investment, insurance, trust, and real estate services. As of June 30, 2005, the bank operated 14 financial centers in the York County, Pennsylvania. Codorus Valley Bancorp is headquartered in York, Pennsylvania.
COWLITZ BANCORPORATION (CWLZ)
Cowlitz Bancorporation operates as the holding company for The Cowlitz Bank, which provides commercial banking services primarily in Oregon and Washington. The bank accepts noninterest-bearing checking accounts, interest-bearing checking and savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. It also offers commercial loans, including operating lines of credit, as well as secured term loans for financing machinery and equipment; real estate loans, such as loans for construction, purchase, or refinancing of residential properties; and consumer loans, including secured and unsecured personal loans, home equity, personal lines of credit, and motor vehicle loans. In addition, the bank provides mortgage-banking services, Internet banking and cash management services, debit card program, automated teller machines, and automated telephone banking service with 24-hour access to accounts. It offers its services to small and medium-sized businesses, professionals, and retail customers in Cowlitz County and King County, Washington; the Portland metropolitan area in Oregon; and the surrounding counties in Washington and northwest Oregon. The bank invests in U.S. government and agency securities, mortgage-backed securities, and municipal bonds. As of December 31, 2004, it operated four branches in Cowlitz County located in southwest Washington. In addition, it also has branches in Bellevue, Washington and Portland, Oregon; a loan production office in Vancouver, Washington; and a limited service branch in a retirement center in Wilsonville, Oregon. The company was founded in 1978 and is headquartered in Longview, Washington.
PENNS WOODS BANCORP INC (PWOD)
Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank that provides commercial and retail banking services in Pennsylvania. The bank offers time, demand, and savings deposits, as well as super NOW accounts, regular savings accounts, money market accounts, investment certificates, fixed rate certificates of deposit, and club accounts. It also provides secured and unsecured commercial and consumer loans, commercial transactions, construction and mortgage loans, residential mortgage loans, revolving credit loans with overdraft protection, and small business loans. In addition, the bank offers safe deposit facilities, insurance and securities brokerage services, investment and cash management services, and real estate related services. It invests in the U.S. treasury and government agency securities, state and political securities, other debt and equity securities. As of December 31, 2004, the bank operated 11 branch offices and a mortgage/loan center in northcentral Pennsylvania. The company was incorporated in 1934 and is based in Williamsport, Pennsylvania.
NORTHERN STATES FINANCIAL CORPORATION (NSFC)
Northern States Financial Corporation operates as the holding company for Bank of Waukegan and First State Bank of Round Lake that provide commercial banking services in northeastern Illinois and southeastern Wisconsin. The company engages in generating deposits and originating loans. Its deposit products include savings, demand, and time deposits, as well as negotiable order of withdrawal accounts. The company's loan portfolio comprises commercial, consumer, real estate residential, and commercial real estate loans. It also provides trust services, as well as offers traveler's checks, money orders, cashier's checks and foreign currency, direct deposit, and other special services. As of December 31, 2004, Bank of Waukegan operated three banking offices in Waukegan, one office each in Antioch, Gurnee, and Winthrop Harbor, Illinois; and First State Bank of Round Lake operated one banking office in Round Lake Beach, Illinois and one office in Round Lake, Illinois. The company was founded in 1919 and is based in Waukegan, Illinois.
BANK OF MARIN BANCORP (BMRC)
Bank of Marin provides various commercial and retail lending programs in Marin and southern Sonoma counties, north of San Francisco, California. The services offered by the bank include commercial loans and lines of credit, construction financing, consumer loans, home improvement loans, and home equity lines of credit. The bank also offers Visa credit card to its customers, which includes a Business Visa program for business and professional customers. It offers various checking and savings accounts, interest bearing and noninterest bearing personal and business checking accounts, and time certificates of deposit. It also offers direct deposit of payroll, social security, and pension. The bank's business banking focus is on small to medium sized businesses and professionals. It primarily operates in communities of Mill Valley, Sausalito, Tiburon, Belvedere, Corte Madera, Greenbrae, Larkspur, Kentfield, Ross, San Rafael, San Anselmo, Terra Linda, Bel Marin Keys, Ignacio, Novatom, and Petaluma through nine branch office locations. Its customer base is made up of business and personal banking relationships from the communities near its branch office locations. In addition to various deposit products and commercial and retail lending programs, the bank also offers wealth management services. Bank of Marin was incorporated in 1989 and is headquartered in Corte Madera, California.
Eagle Bancorp, Inc. operates as the holding company for EagleBank, which provides general commercial and consumer banking services to individuals, and business and professional customers primarily in Montgomery County, Maryland and Washington, the District of Columbia. The bank accepts business and personal checking accounts, NOW accounts, savings accounts, demand deposits, money market accounts, certificates of deposits, and time deposits. It also offers business and construction loans; commercial loans for working capital, equipment purchases, real estate, lines of credit, and government contract financing; lease financing for business equipment; residential mortgage and SBA loans; home equity lines; consumer installment loans, including automobile and personal loans, and personal lines of credit; and credit card services. In addition, the bank provides cash management services, such as PC banking, sweep accounts, lock box, account reconciliation, credit card depository, title insurance, safety deposit boxes, automated clearing house origination, and ATM services. Its investment portfolio comprises U.S. Government agency securities, mortgage-backed securities, Federal Reserve and Federal Home Loan Bank stock, and other equity investments. As of September 30, 2005, the bank had five offices serving Montgomery County and three offices in the District of Columbia. The company was organized in 1997 and is headquartered in Bethesda, Maryland.
COMMUNITY WEST BANCSHARES (CWBC)
Community West Bancshares operates as the holding company for Community West Bank National Association, which provides commercial and retail banking services in California. The bank accepts noninterest-bearing demand, interest-bearing demand, and savings deposits; and time certificates of deposit. It also offers commercial loans; commercial real estate loans for purchasing, improving, or constructing single-family residences, commercial, or industrial properties; first and second mortgage loans secured by trust deeds on one to four family homes; loans secured by manufactured homes; Small Business Association loans; and installment loans that consist of automobile, small home equity lines of credit, and general purpose loans made to individuals. In addition, the bank provides cash management services, remittance banking, merchant credit card processing, courier service and online banking, equipment leasing programs, automated clearinghouse origination, electronic data interchange, and check imaging, and international banking services. It offers its services to professionals, small to mid-sized businesses, and individual households. The bank invests in U.S. government and agency securities, and other securities. The company is based in Goleta, California.
HERITAGE FINANCIAL CORPORATION (HFWA)
Heritage Financial Corporation, through its subsidiaries, Heritage Bank and Central Valley Bank, N.A., offers various banking and financial services. It accepts certificates of deposit; and regular savings, money market, checking, negotiable order of withdrawal, and individual retirement accounts. The company originates commercial loans, including business lines of credit secured primarily by real estate, accounts receivable, and inventory financing; business term loans secured by real estate for either working capital or lot acquisition; small business administration loans; and unsecured business loans, as well as originates real estate loans, including single family residential, multifamily and commercial, and construction loans; agricultural loans; and consumer loans. The company invests in U.S. Treasury obligations, U.S. Government agency obligations, certificates of deposit of insured banks, mortgage backed and mortgage related securities, corporate notes, municipal bonds, Federal Home Loan Bank stock, and federal funds. As of June 30, 2005, Heritage Bank had 11 branch offices located in Thurston, Pierce, and Mason Counties; and Central Valley Bank had 5 branch offices located in Yakima and Kittitas Counties. Heritage Financial Corporation is headquartered in Olympia, Washington.
MidSouth Bancorp, Inc., through its subsidiaries, MidSouth Bank, N.A. and Lamar Bank, provides various commercial and retail community banking services primarily to professional, commercial, and industrial customers. The company's services include checking accounts, investment accounts, cash management services, electronic banking services, credit card, and secured and unsecured loan products. It also provides loan services, such as commercial, financial, and agricultural loans; real estate mortgage loans; installment loans; and lease financing. The company's investment portfolio includes municipal securities and government agency securities, mortgage-backed securities, collateralized mortgage obligations, corporate securities, and mutual funds. As of July 26, 2005, the MidSouth franchise consisted of 24 banking offices and 2 loan production offices in south Louisiana and southwest Texas. The company is headquartered in Lafayette, Louisiana.
UNITED SECURITY BANCSHARES INC (USBI)
United Security Bancshares, Inc. operates as the holding company for First United Security Bank, which provides commercial banking services in Alabama and Mississippi. The bank accepts noninterest bearing demand deposits, savings accounts, NOW accounts, and money market demand accounts, as well as time deposits. It offers personal, commercial, financial, and agricultural loans; real estate loans; and installment loans. In addition, the bank offers credit card and safe deposit box services; and reinsures or underwrites credit life and credit accident, and health insurance. The bank invests in U.S. treasury and agency securities; obligations of states, counties, and political subdivisions; mortgage-backed securities; and other securities. As of December 31, 2004, the bank had 18 banking offices in the United States. The company, through its other subsidiary, First Security Courier Corporation, provides certain bank courier services for financial institutions located in southwest Alabama. United Security Bancshares offers its products and services to small and medium-sized businesses, real estate developers, property managers, business executives, professionals, and other individuals. The company is based in Thomasville, Alabama.
AMERICAN RIVER BANKSHARES (AMRB)
American River Bankshares operates as the holding company for American River Bank that provides commercial banking services in California. The bank engages in generating deposits and originating loans. Its deposit products include savings, time, and demand deposits, as well as money market deposit accounts and certificates of deposit. The bank's loan portfolio comprises commercial, real estate, agriculture, and consumer loans. It primarily invests in the obligations of the U.S. treasury and agency securities, state and political subdivisions, and government sponsored mortgage-backed securities. The bank principally serves Sacramento, Placer, Yolo, El Dorado, Sonoma, Napa, Marin, Mendocino, and Amador counties in California. As of June 30, 2005, it operated eight full service bank offices. The company was founded in 1983 and is headquartered in Sacramento, California.
TF FINANCIAL CORPORATION (THRD)
TF Financial Corporation operates as the holding company for Third Federal Bank, which provides commercial banking services in Pennsylvania and New Jersey. The bank accepts savings, noninterest bearing checking, NOW checking, money market, IRA, Keogh or SEP retirement accounts, and certificate accounts. It also offers first mortgage loans secured by one-to-four family residences; commercial real estate and multifamily loans; construction loans; consumer loans, including home equity, second mortgage, automobile, and student loans; commercial loans; and other loans. The bank invests in U.S. government and agency obligations, state and political subdivisions, corporate debt securities, and mutual funds. As of December 31, 2004, the bank operated five branch offices in Bucks County and six branches in the northeast section of Philadelphia, as well as three branches in Mercer County, New Jersey. The company was founded in 1921 and is based in Newtown, Pennsylvania
AMERICAN NATIONAL BANKSHARES INC (AMNB)
American National Bankshares, Inc. operates as the holding company for American National Bank and Trust Company, which offers various retail and commercial banking services in Virginia and North Carolina. It accepts various deposits, including NOW, savings, money market, and time deposits. It offers residential real estate; commercial real estate, multifamily, farmland and construction, and land development loans, as well as commercial, industrial, and agricultural loans, and consumer loans. The bank, through its subsidiaries, offers secondary-market mortgage loans, and non-deposit investment products, including mutual funds, equity securities, and insurance products. It also offers trust and investment services, including estate planning, trust account administration, and investment management. The bank's investment portfolio consists of federal agencies, mortgage-backed, state and municipal, and equity securities; and corporate bonds. As of March, 31, 2005, the bank operated 14 offices and 18 automated teller machines. American National Bankshares was founded in 1909 and is based in Danville, Virginia.
UNION BANKSHARES INC (UNB)
Union Bankshares, Inc. operates as the holding company for the Union Bank, which provides commercial and retail banking services in Vermont. The bank accepts NOW, checking, savings, and money market accounts, and Time deposits. It also grants real estate, commercial, construction, consumer, and municipal loans. In addition, the bank offers various personal trust services. As of December 31, 2004, the bank operated 12 branch offices in Lamoille, Caledonia, and Franklin counties of Vermont; a loan production office in Littleton, New Hampshire; and 28 automated teller machines. Union Bankshares was organized in 1891 and is headquartered in Morrisville, Vermont.
MUTUALFIRST FINANCIAL INC (MFSF)
MutualFirst Financial, Inc. operates as the holding company of Mutual Federal Savings Bank, which provides commercial banking services in Indiana. The bank accepts savings, money market deposit, demand, passbook, NOW and noninterest bearing deposits, and certificates of deposits. It also offers one-to four-family and multifamily loans, real estate construction and development loans, consumer loans, and commercial business loans. In addition, the company also provides mortgage and credit life insurance, as well as accident and disability insurance. It also issues and services annuity contracts. The company's investment portfolio comprises of mutual funds, federal agency obligations, mortgage-backed securities, collateralized mortgage obligations, corporate obligations, and municipal obligations. As of June 30, 2005, the bank operated 19 full service offices located in Delaware, Randolph, Grant, and Kosciusko counties, Indiana. The company was founded in 1889 and is headquartered in Muncie, Indiana.
ABIGAIL ADAMS NATIONAL BANCORP INC (AANB)
Abigail Adams National Bancorp, Inc. operates as the holding company for The Adams National Bank, which provides commercial and retail banking services primarily in Washington, D.C. and the surrounding communities. The bank accepts transaction accounts, money market accounts, certificates of deposit, and individual retirement accounts. It also offers commercial business loans, commercial real estate loans, renovation and mortgage loans, SBA loans, loan participations, consumer loans, revolving lines of credit, and letters of credit. In addition, it provides cash management services, collateralized repurchase agreements, online banking services, and telephone banking services. The bank's investment portfolio comprises U.S. government sponsored agencies and corporations, mortgage backed securities, and marketable equity securities. It offers its products and services to small to medium sized businesses, professional corporations, nonprofit organizations, and other organizations. As of December 31, 2004, the bank operated six offices located in Washington, D.C., as well as in Maryland. Abigail Adams was founded in 1977 and is based in Washington, District Of Columbia.
Nephros, Inc. develops hemodiafiltration (HDF) products and technologies for treating patients with End Stage Renal Disease (ESRD). Its products include the company's proprietary Mid-Dilution Diafiltration technology, a fluid management system that removes renal toxins across the molecular spectrum. The company has three products in various stages of development, including OLpur MD190, a dialyzer designed for HDF therapy; the OLpur H2H, an add-on module designed to allow the most common types of hemodialysis machines to be used for HDF therapy; and the OLpur NS2000 system, a stand-alone hemodiafiltration machine and associated filter technology. Nephros sells OLpur MD190 dialyzer in some or all of Cyprus, France, Germany, Greece, Ireland, Italy, the Netherlands, Portugal, Spain, Sweden, Switzerland, and the United Kingdom. The company was founded in 1997 and is based in New York City.
COMMUNITY CENTRAL BANK CORP (CCBD)
Community Central Bank Corporation operates as the holding company for Community Central Bank (bank), which offers banking services to businesses and consumers across Macomb, Oakland, and St. Clair counties, Michigan. It offers money market, demand, and certificates of deposit, as well as originates commercial business, and commercial and residential real estate loans. The bank also provides Internet banking services. Its investment portfolio consists of federal agency securities and bank qualified tax-exempt municipal securities. As of June 30, 2005, the bank operated two full service facilities in Mount Clemens and Rochester Hills, Michigan. The company was founded in 1996 and is based in Mount Clemens, Michigan.
PACIFIC MERCANTILE BANCORP (PMBC)
Pacific Mercantile Bancorp operates as the holding company for Pacific Mercantile Bank, which provides commercial banking services in Orange, Los Angeles, and San Diego counties of California. The bank accepts noninterest-bearing demand deposits, interest-bearing checking accounts, money market and savings deposits, and time deposits. It also offers commercial loans; real estate loans; residential mortgage loans, including single family and multifamily residential loans; construction loans; and consumer loans, including personal installment loans, lines of credit, and credit cards. In addition, the bank provides financial management tools that include multiple account control, account analysis, transaction security and verification, wire transfers, universal bill payment, payroll, and lock box services; automated clearinghouse origination services; electronic check origination and processing services; and convenience banking services, such as Internet banking services, phone banking, ATMs, night drop services, and courier and armored car services. The company, through its other subsidiary, PMB Securities Corp., engages in the retail securities brokerage business, as well as in the provision of investment products, including tax free income, fixed income and equity securities, and mutual funds. It provides its services to small and medium-size businesses, professionals, and the general public. Pacific Mercantile Bancorp invests in U.S. agencies and mortgage-backed securities, collateralized mortgage obligations, and municipal securities. As of December 31, 2004, the bank operated seven commercial banking offices. Pacific Mercantile Bancorp was founded in 1998 and is based in Costa Mesa, California.
FIRST DEFIANCE FINANCIAL CORP (FDEF)
First Defiance Financial Corp. operates as the holding company for the First Federal Bank of the Midwest, which provides community banking services. It accepts checking accounts, money market accounts, regular savings accounts, and term certificate accounts. The bank also offers residential real estate loans, nonresidential real estate loans, commercial loans, home improvement and home equity loans, and consumer loans. In addition, it invests in the United States Treasury and federal government agency obligations; obligations of the State of Ohio and its political subdivisions; and mortgage-backed securities, which are issued by federal agencies, including REMICs and CMOs and corporate bonds. As of June 30, 2005, the bank operated through its main office and 19 full service branch offices and 25 ATM machines. The company through its subsidiary, First Insurance & Investments, offers property and casualty, group health, and life insurance, and investment and annuity products. The company was founded in 1935 and is headquartered in Defiance, Ohio.
COMMONWEALTH BANKSHARES INC (CWBS)
Commonwealth Bankshares, Inc. operates as the holding company for Bank of the Commonwealth that provides commercial banking services in Virginia. The bank engages in generating deposits and originating loans. Its deposit products include demand, checking, and savings deposits. The bank's loan portfolio comprises commercial, real estate, personal, home improvement, automobile, and other installment and term loans. Bank of the Commonwealth also offers other related services, such as title insurance services, online banking, trust, travelers' checks, safe deposit, lock box, customer note payment, collections, notary public, escrow, drive-in facility, and other customary banking services. The bank primarily invests in the obligations of the U.S. treasury and agency securities, mortgage-backed securities, and state and municipal securities. As of September 30, 2005, it operated three branches in Norfolk, four branches in Virginia Beach, two branches in Chesapeake, and one branch in Portsmouth. The bank also operated one mortgage branch office in Norfolk, one mortgage branch office in Gloucester, and one mortgage branch office in Richmond, Virginia. Commonwealth Bankshares was founded in 1970 and is headquartered in Norfolk, Virginia.
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)
Peoples Bancorp of North Carolina, Inc. operates as the holding company for Peoples Bank, which provides various banking services to individuals, and small to medium-sized businesses in Catawba Valley and surrounding communities in North Carolina. The bank accepts noninterest bearing demand deposits; NOW, MMDA, and savings deposits; and certificates of deposits. It also offers commercial, real estate mortgage, real estate construction, and consumer loans. In addition, the bank provides real estate appraisal and real estate brokerage services, as well as access to investment counseling and nondeposit investment products. It invests in obligations of United States government agencies and corporations, obligations of states and political subdivisions, mortgage backed securities, trust preferred securities, and equity securities. As of December 31, 2004, the bank had 16 offices located in Lincolnton, Newton, Denver, Catawba, Conover, Maiden, Claremont, Hiddenite, Hickory, and Charlotte, North Carolina. The company was founded in 1912 and is based in Newton, North Carolina.
PARKVALE FINANCIAL CORPORATION (PVSA)
Parkvale Financial Corporation operates as the holding company for Parkvale Savings Bank, which provides banking services in the greater Pittsburgh metropolitan area. The bank engages in generating deposits and originating loans. Its deposit products include passbook and statement savings accounts, including commercial checking accounts, noninsured sweep accounts, checking accounts, money market accounts, certificates of deposits, IRA certificates, and jumbo certificates of deposit. The bank offers consumer loans, including home equity loans, home equity and personal lines of credit, student loans, personal loans, deposit loans, home improvement loans, and automobile and risk-based loans, as well as residential one-to-four family and multifamily mortgage loans. It primarily invests in U.S. Government and agency obligations, municipal obligations, corporate debt, mortgage-backed securities, and equity securities. As of September 30, 2005, it operated 46 offices, of which 39 were located in Allegheny, Beaver, Butler, Fayette, Washington, and Westmoreland Counties of Pennsylvania; 2 in West Virginia; and 5 offices in Ohio. The company was formed in 1943 and is based in Monroeville, Pennsylvania.
NATIONAL BANKSHARES INC (NKSH)
National Bankshares, Inc. operates as the holding company for The National Bank of Blacksburg and Bank of Tazewell County that provide commercial banking services in Virginia and West Virginia. The company engages in generating deposits and originating loans. Its deposit products include demand, savings, and time deposits, as well as certificates of deposit. The company's loan portfolio comprises commercial, real estate, industrial, and consumer loans. It also provides automatic funds transfer, collections, night depository, safe deposit, travelers' checks, savings bond sales, and utility payment services, as well as offers trust services. The company primarily invests in the U. S. Government obligations, equity mutual funds, and corporate bonds. National Bankshares also offers various insurance products and services. The company was formed in 1891 and is headquartered in Blacksburg, Virginia.
BCSB Bankcorp, Inc. operates as the holding company for Baltimore County Savings Bank, F.S.B., which provides banking services in Baltimore. The bank's depository products include checking, money market, statement and passbook savings, and individual retirement accounts, as well as certificates of deposit. It invests these funds in loans secured by first mortgages on owner-occupied and single-family residences. The bank provides real estate loans, consisting of construction, single-family rental property, and commercial real estate loans; and consumer loans, including automobile loans, home equity lines of credit, and commercial lines of credit. It also invests in the U.S. government and agency securities, mortgage-backed securities, and equity investments in mutual funds. In addition, the bank, through its subsidiary, sells vendor's single interest insurance on automobile loans, and annuity products. As of September 30, 2005, it operated 17 offices. The company was founded in 1955 and is based in Baltimore, Maryland. BCSB Bankcorp, Inc. is 63.5% owned by Baltimore County Savings Bank, M.H.C.
PEAPACK-GLADSTONE FINANCIAL CORPORATION (PGC)
Peapack-Gladstone Financial Corporation operates as the holding company for Peapack-Gladstone Bank that provides various financial, trust, and investment services in New Jersey. The bank engages in generating deposits and originating loans. Its deposit products include demand deposit, checking, savings, and money market accounts, as well as certificates of deposit. The bank's loan portfolio comprises commercial real estate, construction, commercial, and consumer loans. It also provides foreign and domestic travelers' checks, personal money orders, cashier's checks, and wire transfers, as well as offers automated teller machine and Internet banking services. In addition, the bank offers personal investment management services, personal trust administration services, estate settlement, income tax services, custodial services, and other financial planning services. As of December 31, 2004, it operated 19 branches in Somerset County, Hunterdon County, and Morris County, New Jersey. The company was formed in 1921 and is based in Gladstone, New Jersey.
WAYNE SAVINGS BANCSHARES INC (WAYN)
Wayne Savings Bancshares, Inc. operates as the holding company for Wayne Savings Community Bank, which offers financial services in Ohio. The bank accepts NOW, passbook savings, money market deposit, term certificate accounts, and individual retirement accounts. It also offers one-to four-family residential, residential construction loans, and nonresidential real estate/land loans. The company's investment portfolio includes investments in mutual funds, corporate bonds and notes, U.S. government and agency securities, and obligations of state and political subdivisions. As of March 31, 2005, the bank operated 11 full-service offices in Wayne, Holmes, Ashland, Medina and Stark counties in northeast Ohio. Wayne Savings was founded in 1899 and is headquartered in Wooster, Ohio.
The Washington Savings Bank F.S.B (WSB) provides financial services in Washington DC, Baltimore, southern Pennsylvania, northern Virginia, and surrounding metropolitan areas in the United States. WSB engages primarily in attracting deposit accounts from the general public; and using such funds, together with other funds, to make first and second mortgage loans, land acquisition and development loans, construction loans, consumer loans, and non-residential mortgage loans, as well as residential lending. Its deposit instruments include savings accounts, including NOW accounts; and time deposits. As of July 31, 2003, WSB operated five savings branch locations in Bowie, Crofton, Millersville, Odenton, and Waldorf, Maryland. The company, through its subsidiary, WSB, Inc., engages in developing single family residential lots.
FIRST CITIZENS BANC CORP (FCZA)
First Citizens Banc Corp. (FCBC) operates as the holding company for The Citizens Banking Company, and First Citizens Bank. It offers commercial banking services that include accepting deposits and making loans. The company provides a range of loan products, such as commercial and agricultural loans, commercial real estate loans, real estate mortgage products, real estate construction loans, consumer loans, and credit cards. Its deposit products consist of savings, money market deposit accounts, interest-bearing demand deposits, noninterest-bearing demand deposits, certificates of deposit, and individual retirement accounts. In addition, FCBC, through its other subsidiaries, provides item-processing services for financial institutions; real estate appraisal services for lending purposes; consumer-lending products to customers, who may not qualify for conventional commercial bank lending products; and mortgage products and services, as well as offers trust services. The company serves customers primarily through its offices in Erie, Crawford, Huron, Marion, Ottawa, Richland, and Union counties in Ohio. FCBC was founded in 1884 and is based in Sandusky, Ohio.
FIRST KEYSTONE FINANCIAL INC (FKFS)
First Keystone Financial, Inc. operates as the holding company for First Keystone Bank, a federally chartered stock savings association, which provides financial services primarily in the state of Pennsylvania. The bank attracts deposits from public and using those funds together with other available sources of funds, primarily borrowings, and to originate loans. It offers various deposits products, including NOW accounts, noninterest-bearing personal and business checking accounts, money market deposit accounts, certificates of deposit, individual retirement account certificates, passbook accounts, and Keogh accounts. The bank's loan product portfolio comprises real estate loans, including residential, commercial and multifamily, construction loans, and home equity and lines of credit; and consumer loans, including credit card, deposit, unsecured personal loans, and other consumer loans. It also offers commercial loans, including limited number of commercial lines of credit secured by equipment and securities, working capital financings secured by accounts receivable and inventory, and limited unsecured lines of credit. In addition, the bank invests in mortgage-related securities, including U.S. government agencies and government sponsored or private enterprises bonds, and U.S. treasury and federal government agency obligations; municipal obligations; corporate bonds; mutual funds; asset-backed securities; and other equity investments. As of September 30, 2005, the bank conducted business from its office located in Media, Pennsylvania, as well as through six full-service offices located in Delaware and Chester Counties, Pennsylvania. First Keystone Financial was founded in 1994 and is headquartered in Media, Pennsylvania.
FIRST FEDERAL BANCSHARES OF ARKANSAS INC (FFBH)
First Federal Bancshares of Arkansas, Inc., through its principal subsidiary, First Federal Bank of Arkansas, FA (bank), offers banking and financial services to individuals and small to medium-sized businesses in northcentral and northwest Arkansas. The bank's deposit products include noninterest bearing and interest bearing checking, savings, and money market accounts; certificates of deposit; and individual retirement accounts. Its loan products include residential real estate, consumer, construction, lines of credit, commercial real estate, and commercial nonreal estate. The bank also offers other financial services, including investment products; automated teller machines; 24-hour telephone and Internet banking, including account access, bill payment, and online loan applications. In addition, it provides bounce protection overdraft service, debit cards, and safe deposit boxes. The company invests in municipal securities, U.S. government and agency obligations, and certificates of deposit. As of December 31, 2004, the bank operated 15 offices in Benton, Marion, Washington, Carroll, Baxter, and Boone counties. The company was formed in 1934 and is based in Harrison, Arkansas.
CRESCENT BANKING COMPANY (CSNT)
Crescent Banking Company operates as the holding company for Crescent Bank & Trust Company, which provides commercial and retail banking services in Georgia. The bank accepts noninterest and interest-bearing demand deposits, savings deposits, and time deposits. It also offers commercial, financial, and agricultural loans; real estate construction and land development loans; real estate mortgage loans; installment loans; and other loans. The bank provides its services to individuals and small- to medium-sized businesses. Its investment portfolio comprises U.S. Government and agency obligations, states and political subdivisions, and mortgage-backed securities. As of November 4, 2005, the bank had 10 full service branches, including 2 in Pickens County, 2 in Cherokee County, 3 in Bartow County, 2 in Forsyth County, and 1 in Fulton County; and 3 commercial lending centers, including 1 each in Cherokee County at Riverstone in Canton, Cobb County at Marietta, and Walton County at Loganville. Crescent Banking Company was founded in 1989 and is headquartered in Jasper, Georgia.
PROVIDENT FINANCIAL HOLDINGS INC (PROV)
Provident Financial Holdings, Inc. operates as the holding company for Provident Savings Bank, F.S.B., which provides financial services to consumers and small to mid-sized businesses in the Inland Empire region of southern California. The bank primarily engages in community banking and mortgage banking activities. Its community banking activities include the generation of deposits and origination of loans. The bank's deposit products include checking, savings, money market, and time deposits, as well as loan portfolio comprises single-family loans, multifamily loans, commercial real estate loans, construction loans, commercial business loans, consumer loans, and other real estate loans. Its mortgage banking activities consist of the origination and sale of mortgage and consumer loans secured primarily by single-family residences. The bank also offers investment and insurance services. It primarily invests in U.S. Government sponsored enterprise debt securities and U.S. Government sponsored enterprise mortgage-backed securities. As of June 30, 2005, the bank operated 11 banking offices in Riverside County and 1 banking office in San Bernardino County. The company was organized in 1956 and is based in Riverside, California.
EASTERN VIRGINIA BANKSHARES INC (EVBS)
Eastern Virginia Bankshares, Inc., a holding company, provides various financial products and services in Virginia. The company engages in generating deposits and originating loans. Its deposit products include savings, demand, and time deposit accounts. The company's loan portfolio comprises real estate, commercial, and consumer loans. It also provides Visa and MasterCard revolving credit accounts, drive-in banking services, automated teller machine transactions, Internet banking, and wire transfer services. In addition, the company also offers travelers' checks, safe deposit box rentals, and other customary bank services. Further, it provides brokerage services and investment services, as well as sells title insurance products. As of December 31, 2004, the company operated 21 branches in the counties of Caroline, Essex, Gloucester, Hanover, King and Queen, King William, Middlesex, Richmond, Northumberland, Southampton, Surry, and Sussex, Virginia. The company was formed in 1910 and is headquartered in Tappahannock, Virginia.
UNITED BANCORP INC (UBCP)
United Bancorp, Inc., operates as the holding company for The Citizens Savings Bank and The Community Bank, which provide commercial and retail banking services in northeastern, eastern, southeastern, and south central Ohio. The company accepts checking, savings, and demand deposits, as well as term certificate accounts. It also offers commercial loans, commercial real estate loans, residential real estate loans, and installment loans. In addition, United Bancorp provides brokerage services. The company invests in U.S. government and agency obligations, mortgage-backed securities, collateralized mortgage obligations, state and municipal obligations, and other securities. As of September 30, 2005, The Citizens Savings Bank had nine branches located in Bridgeport, Colerain, Dellroy, Dover, Jewett, New Philadelphia, St. Clairsville, Sherrodsville, and Strasburg, Ohio; and The Community Bank had six offices located in Amesville, Glouster, Lancaster, and Nelsonville, Ohio. The company was founded in 1974 and is headquartered in Martins Ferry, Ohio.
FIRST BANCSHARES INC (FBSI)
First Bancshares, Inc., through its wholly owned subsidiary, First Home Savings Bank (bank), offers various community banking services in Missouri. It offers deposit instruments, including negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans, as well as originates mortgage loans for the purpose of purchasing, constructing, or refinancing one-to-four family owner occupied homes within its primary market area. The bank also originates multifamily, land, commercial business, nonresidential real estate, consumer, mobile home, home improvement, commercial real estate, student, and small business administration loans, as well as loans secured by savings accounts. It invests in the United States government and federal agencies obligations, corporate bonds, corporate senior notes, obligations of state and political subdivisions, and Federal Home Loan Bank stock. As of June 30, 2005, the bank operated nine full service branch facilities in Marshfield, Ava, Gainesville, Sparta, Theodosia, Crane, Galena, Kissee Mills, and Rockaway Beach, Missouri. First Bancshares was organized in 1911 and is based in Mountain Grove, Missouri.
COOPERATIVE BANKSHARES INC (COOP)
Cooperative Bankshares, Inc. operates as the bank holding company for Cooperative Bank that provides financial products and services in eastern North Carolina. The bank offers various deposit products, including interest-bearing and noninterest-bearing checking accounts, certificates of deposit, savings accounts, and individual retirement accounts. Its loan portfolio comprises overdraft protection, commercial, consumer, agricultural, real estate, residential mortgage, and home equity loans. The bank also provides safe deposit boxes and automated teller machines, as well as online banking and telebanking services. In addition, it offers discount brokerage services, annuity sales, mutual funds, and bill pay for personal accounts. The bank primarily invests in the U.S. Government and agency securities, and mortgage-backed securities. As of August 5, 2005, the bank operated 20 offices. Further, the bank, through its subsidiary, Lumina Mortgage Company, Inc., engages in the origination and sale of residential mortgage loans. Cooperative Bankshares is headquartered in Wilmington, North Carolina.
FIRST UNITED CORPORATION (FUNC)
First United Corporation operates as the holding company for First United Bank & Trust, which provides retail and commercial banking services to individuals, businesses, and various governmental units in western Maryland and northeastern West Virginia counties. The bank accepts checking, savings, and money market deposit accounts, as well as IRA and certificates of deposits. It also offers business loans; personal loans; mortgage loans; commercial loans secured by real estate, commercial equipment, vehicles, or other asset; commercial real estate loans secured by land for residential and commercial development, agricultural purpose properties, service industry buildings, retail buildings, and general purpose business space; home equity lines of credit; and residential real estate construction loans. In addition, the bank provides brokerage services; safe deposit and night depository facilities; various insurance products; trust services, including personal trust, investment agency accounts, charitable trusts; and retirement accounts, such as IRA roll-overs, 401(k) accounts, defined benefit plans, estate administration, and estate planning. Its investment portfolio comprises U.S. government and agencies securities, mortgage-backed securities, obligations of states and political subdivisions, and corporate and other debt securities. As of September 30, 2005, the bank had a network of 25 offices and 34 automated teller machines. The company, through its other subsidiaries, provides credit life and credit accident reinsurance, and health insurance products. First United Corporation is based in Oakland, Maryland.
NORTHRIM BANCORP INC (NRIM)
Northrim BanCorp, Inc. operates as the holding company for Northrim Bank, which provides commercial banking services to businesses, professionals, and individuals in south central and interior Alaska. The bank accepts noninterest-bearing checking accounts and interest-bearing time deposits, checking accounts, and savings accounts. It also offers short- and medium-term commercial loans, commercial credit lines, commercial real estate loans, land development and home construction loans, and consumer loans. In addition, the bank provides other customer service, including telebanking; faxed account statements; Internet banking; automated teller services; and other services, such as personalized checks at account opening, overdraft protection from a savings account, commercial drive-up banking with coin service, automatic transfers and payments, wire transfers, direct payroll deposit, electronic tax payments, automated clearing house origination and receipt, cash management programs, and courier services. It invests in U.S. treasury and U.S. agency securities, and mortgage-backed securities. As of December 31, 2004, the bank had 10 branch locations, of which 7 were located in Anchorage, as well as 1 each in Fairbanks, Eagle River, and Wasilla. It also operates through its division, Northrim Funding Services, in the Washington and Oregon markets. The company, through its other subsidiaries, offers investment products and services, as well as trust preferred securities. Northrim BanCorp was founded in 1990 and is headquartered in Anchorage, Alaska.
NASB FINANCIAL INC (NASB)
NASB Financial, Inc. operates as the holding company for North American Savings Bank, F.S.B. that provides various financial services. Its deposit products include demand deposit accounts, savings accounts, money market demand accounts, certificates of deposit, and brokered accounts. The bank offers lending services, including mortgage, commercial real estate, consumer, residential, and consumer loans. It also provides investment services. The Bank operates in the counties of Jackson, Cass, Clay, Buchanan, Andrew, Platte, and Ray in Missouri; and Johnson and Wyandotte counties in Kansas. As of September 30, 2005, the bank operated eight customer deposit offices in Missouri. NASB Financial was founded in 1927 and is headquartered in Grandview, Missouri.
FNB Corp. operates as the holding company for First National Bank and Trust Company (FNBTC) that provides commercial banking services in North Carolina. The bank engages in generating deposits and originating loans. Its deposit products include demand, savings, money market, time, and certificates of deposit. FNBTC's loan portfolio comprises commercial, agricultural, real estate, and consumer loans. It also provides Internet banking, cash management, investment management, and trust services. The bank primarily invests in the obligations of the U.S. government agencies and corporations; mortgage-backed securities; and state, county, and municipal securities. FNB Corp, through other subsidiary, Dover Mortgage Company (DMC), originates, underwrites, and closes mortgage loans for sale into the secondary market. DMC operates mortgage production offices in Carolina Beach, Charlotte, Goldsboro, Greenville, Lake Norman, Leland, Raleigh, and Wilmington. As of June 30, 2005, FNBTC operated 21 community YES! Banks in Archdale, Asheboro, Biscoe, China Grove, Ellerbe, Greensboro, Kannapolis, Laurinburg, Pinehurst, Ramseur, Randleman, Rockingham, Salisbury, Seagrove, Siler City, Southern Pines, and Trinity. The company was formed in 1907 and is based in Asheboro, North Carolina.
GOUVERNEUR BANCORP INC (GOV)
Gouverneur Bancorp, Inc. operates as a holding company for Gouverneur Savings and Loan Association, which provides banking services to individuals and businesses in New York. Its business consists of gathering deposits from the general public within its market area and investing those deposits primarily in loans, debt obligations issued by the U.S. Government and its agencies, and mortgaged-backed securities. The company's loans are mainly residential mortgage loans secured by one-to-four family residences with the balance of the portfolio composed of commercial mortgage loans, other consumer loans, and other non-real estate commercial loans. Its deposit programs include savings accounts, NOW accounts, money market deposit accounts, checking accounts, and certificates of deposit. The company invests in U.S. Government and federal agency securities, mortgage-backed securities, municipal securities, corporate securities, mutual funds, and other securities. As of September 30, 2005, it served primarily the southern St. Lawrence County, and northern Jefferson and Lewis Counties through two full service branch offices and one lending office in the New York state. Gouverneur Bancorp, Inc. was founded in 1892 and is headquartered in Gouverneur, New York. Gouverneur Bancorp, Inc. is majority owned by Cambray Mutual Holding Company.
COMMUNITY BANKSHARES INC (SCB)
Community Bankshares, Inc. operates as the holding company for Orangeburg National Bank, Sumter National Bank, Florence National Bank, and Bank of Ridgeway, which provide various banking services in South Carolina. The company accepts business and personal checking accounts, NOW accounts, savings accounts, money market accounts, various term certificates of deposit, IRA accounts, and other deposits from individuals and small businesses. It also offers consumer loans, including car loans, home equity improvement loans secured by first and second mortgages, personal expenditure loans, education loans, and other loans; commercial loans, such as short-term unsecured loans, and short and intermediate term real estate mortgage loans, as well as loans secured by listed stocks, equipment, inventory, and accounts receivable; real estate–construction loans; real estate–mortgage loans; and financial and agricultural loans. In addition, the company provides safe deposit boxes, night depository service, VISA and Master Card brand charge cards, 24-hour automated teller service, and Internet banking services. Community Bankshares, through its nonbanking subsidiary, Community Resource Mortgage, Inc., offers one- to-four family residential mortgage products. The company invests in U.S. treasury and U.S. government agencies, and securities of states and political subdivisions. As of December 31, 2004, the company had two offices in Orangeburg; two offices in Sumter; two offices in Florence; and one office each in Ridgeway, Winnsboro, and Blythewood, South Carolina. Community Bankshares was founded in 1987 and is headquartered in Orangeburg, South Carolina.
CCF HOLDING COMPANY (CCFH)
CCF Holding Company operates as the bank holding company for Heritage Bank that offers commercial banking services in the southern market of greater Atlanta, Georgia. The bank provides various deposit services, including demand deposit accounts, checking accounts, savings, money market deposit, term certificate accounts, and individual retirement accounts. It also offers commercial loans, consumer loans, one- to four-family residential mortgage loans, construction lending, and other installment loans. The bank invests in short-term securities, mortgage backed securities, the U.S. treasury and government agency obligations, and municipal securities. As Of July 8, 2005, it operated seven offices in Clayton, Fayette, and Henry Counties of Georgia. CCF Holding Company is based in Jonesboro, Georgia.
FIRST FINANCIAL SERVICE CORPORATION (FFKY)
First Financial Service Corporation operates as the holding company for First Federal Savings Bank that provides commercial banking services in Central Kentucky. The bank engages in generating deposits and generating loans. Its deposit products include checking, negotiable order of withdrawal, savings, money market, individual retirement accounts, and certificate of deposit accounts. The bank's loan portfolio comprises home equity lines of credit, auto loans, recreational vehicle, mortgage loans, commercial real estate loans, commercial loans to businesses, real estate development loans, construction lending, and agricultural lending. First Federal Savings Bank also provides federal tax depository, merchant bankcard, electronic funds transfer, debit card and credit card, and telephone and Internet banking services. In addition, the bank offers mutual funds, equity investments, and fixed and variable annuities. First Federal Savings Bank invests primarily in the U. S. treasury and agencies securities, mortgage-backed securities, equity securities, state and municipal securities, and other corporate securities. As of September 30, 2005, the bank operated 14 banking centers in 6 contiguous counties in Central Kentucky. First Financial Service Corporation was formed in 1923 and is headquartered in Elizabethtown, Kentucky.
COLONY BANKCORP INC (CBAN)
Colony Bankcorp, Inc., a multibank holding company, provides various retail and commercial banking services in Georgia. The company engages in generating deposits and originating loans. Its deposit products include demand, savings, time, and individual retirement accounts. The company's loan portfolio comprises installment, commercial, and real estate loans, as well as home mortgages and personal lines-of-credit. Colony Bankcorp also provides Visa and Master Card services, safe deposit and night depository services, cashier's checks, money orders, traveler's checks, wire transfers, Internet banking, and other services. The company primarily invests in the obligations of the U.S. government agencies, mortgage backed securities, obligations of states and political subdivisions, corporate obligations, and marketable equity securities. Colony Bankcorp was formed in 1975 and is headquartered in Fitzgerald, Georgia.
QCR Holdings, Inc. operates as the holding company for Quad City Bank & Trust, Cedar Rapids Bank & Trust, and Rockford Bank & Trust, which provide commercial and consumer banking services in Quad City, Cedar Rapids, and Rockford communities. The company accepts noninterest bearing demand deposits and interest bearing deposits, money market accounts, and certificates of deposit. It also offers commercial loans, including loans to wholesalers, manufacturers, building contractors, developers, business services companies, and retailers; business loans, such as lines of credit for working capital and operational purposes, as well as term loans for the acquisition of facilities, equipment, and other purposes; and consumer loans, including motor vehicle loans, home improvement loans, home equity loans, signature loans, and small personal credit lines. In addition, QCR Holdings provides trust preferred capital securities, merchant and cardholder credit card processing services, and trust and asset management services. The company provides its services to corporations, partnerships, individuals, and government agencies. It invests in U.S. treasury securities, U.S. agency securities, mortgage-backed securities, municipal securities, corporate securities, and trust preferred securities. QCR Holdings was formed in 1993 and is headquartered in Moline, Illinois.
POWERSHARES EXCHANGE-TRADED FUND TRUST (PFI)
Pelican Financial, Inc. operates as the holding company for Pelican National Bank (bank). The bank primarily provides retail banking services primarily in Naples, Cape Coral, Bonita Springs, and Fort Myers in Florida. It accepts time and demand deposits from the general public; and originates secured and unsecured consumer, commercial, commercial real estate, residential construction, and single-family residential mortgage loans, as well as home equity and personal lines of credit. Pelican National also offers other services, including money orders, traveler's checks, cashier's checks and savings bonds, wire transfer and direct deposit services, and safe deposit boxes. As of December 31, 2004, the bank operated six branches in Florida. Pelican Financial was incorporated in 1997 and is based in Ann Arbor, Michigan.
FAUQUIER BANKSHARES INC (FBSS)
Fauquier Bankshares, Inc. operates as the holding company for The Fauquier Bank, which provides various consumer and commercial banking services to individuals, businesses, and industries. The bank accepts demand deposit accounts, savings and money market deposit accounts, NOW accounts, and time deposits. It also offers real estate loans, commercial and industrial loans, and consumer installment loans. In addition, the bank provides safe deposit services, credit and debit cards, cash management, automated clearing house services, notary services, night depository, traveler's checks, cashier's checks, domestic collections, savings bonds, automated teller services, drive in tellers, Internet banking, banking by telephone, and banking by mail. Its personalized services include investment management, trust, estate settlement, retirement, insurance, and brokerage services. The bank's investment portfolio comprises of obligations of the U.S. government corporations and agencies, corporate bonds, debt securities, preferred stocks, and mutual funds. As of June 30, 2005, the bank had eight branch offices located in the Virginia communities of Warrenton, Catlett, The Plains, New Baltimore, Sudley Road Manassas, Old Town Manassas, and Bealeton. The company is based in Warrenton, Virginia.
Evans Bancorp, Inc. operates as the holding company for Evans National Bank, which provides various banking services to consumer and commercial customers in western New York. The bank offers checking, passbook, statement savings, and NOW accounts, as well as certificates of deposit and jumbo certificates of deposit. It also provides residential and commercial real estate mortgage loans, commercial loans, and installment loans. The bank invests in U.S. Government obligations, obligations of federal agencies, U.S. government-sponsored enterprises, mortgage backed securities, municipal obligations, industrial development authority bonds, public housing authority bonds, corporate bonds, and collateral mortgage obligations. The company, through its other subsidiaries, provides nondeposit investment products, such as annuities and mutual funds; direct financing to the commercial small ticket lease equipment market; insurance products; and claims adjusting services to various insurance companies. As of December 31, 2004, the bank had 10 banking offices in Erie and Chautauqua counties, New York. Evans Bancorp is headquartered in Angola, New York.
TIMBERLAND BANCORP INC (TSBK)
Timberland Bancorp, Inc. operates as the holding company for Timberland Bank that provides various savings products and real estate mortgage loans to retail customers in Grays Harbor, Thurston, Pierce, King, Kitsap, and Lewis counties, Washington. It offers various deposit instruments, including money market deposit accounts, checking accounts, regular savings accounts, and certificates of deposit. The bank provides lending services, such as mortgage loans, which include one-to-four family, multifamily, commercial, and construction and land development loans; consumer loans, such as home equity and second mortgage; and commercial business loans, as well as automobile loans, boat loans, and recreational vehicle loans. In addition, the bank offers online banking, visa and debit cards, safe deposit boxes, traveler's cheques, wire transfers, U.S. savings bonds, money orders, cashier's checks, passbook loans, telephone transfers, contract collection services, notary public services, and direct deposit services. As of September 30, 2005, the bank operated 21 branches located in Grays Harbor, Pierce, Thurston, Kitsap, King, and Lewis counties in Washington State. As of September 30, 2005, the company invested in mortgage-backed securities, U.S. agency securities, and securities held to maturity. Timberland Bancorp was founded in 1915 and is based in Hoquiam, Washington.
FARMERS CAPITAL BANK CORPORATION (FFKT)
Farmers Capital Bank Corporation, through its subsidiaries, provides various bank and bank-related services to individuals, corporations, and others in Kentucky. It accepts savings, time, and demand deposits, as well as originates commercial, construction, mortgage, and personal loans and lines of credit. The company also provides cash management and funds transfer services; issues letters of credit; and rents safe deposit boxes. It acts as an agent in providing credit card loans; as a trustee of personal trusts and employee benefit trusts; as an executor of estates; and as a registrar, transfer agent, and paying agent for bond issues. As of December 31, 2004, the company had 27 banking locations in 16 communities throughout central Kentucky. First Capital Bank was organized in 1850 and is based in Frankfort, Kentucky.
PATRIOT NATIONAL BANCORP INC (PNBK)
Patriot National Bancorp, Inc. operates as the holding company for Patriot National Bank, which provides consumer and commercial banking services in Fairfield county, Connecticut and Westchester county, New York. The bank accepts checking accounts, interest-bearing NOW accounts, money market accounts, time certificates of deposit, savings accounts, and individual retirement accounts. It also offers real estate loans, including home mortgages, home improvement loans, bridge loans, and home equity lines of credit; personal loans, such as lines of credit, installment loans, and credit cards; and commercial loans, including secured and unsecured loans to service companies, real estate developers, manufacturers, restaurants, wholesalers, retailers, and professionals. In addition, the bank provides money orders, traveler's checks, ATMs, Internet banking, and debit cards. It invests in U.S. government agency and sponsored agency obligations, mortgage-backed securities, marketable equity securities, Federal Reserve Bank stock, and Federal Home Loan Bank stock. As of September 30, 2005, the bank had eight branch offices located in Fairfield County, Connecticut, as well as two mortgage origination offices located in Stamford, Connecticut and Melville, New York. The company was founded in 1994 and is based in Stamford, Connecticut.
NEW HAMPSHIRE THRIFT BANCSHARES INC (NHTB)
New Hampshire Thrift Bancshares, Inc. operates as the holding company for Lake Sunapee Bank, fsb that provides banking and other financial services in central and western New Hampshire. The bank's deposit services consist of business checking, money market accounts, savings, NOW, and certificate accounts. Its lending services include residential, consumer, commercial, municipal, and home equity loans. The bank, through its subsidiary, The Lake Sunapee Financial Services Corporation, sells brokerage, securities, and insurance products. The bank primarily invests in the United States treasury obligations, securities of various federal agencies, mortgage backed securities, bonds and debentures, and equity securities. As of June 30, 2005, it operated 17 branches in Claremont, Enfield, Peterborough, Grafton, Sullivan, and Merrimack, New Hampshire. The company was formed in 1868 and is headquartered in Newport, New Hampshire.
YADKIN VALLEY FINANCIAL CORPORATION (YAVY)
Yadkin Valley Bank and Trust Company (The bank) provides general banking services for northwest North Carolina. It offers traditional commercial and consumer banking services, including taking of demand and time deposits and the making of consumer and commercial loans. In addition to ATM's, the banking provides 24-hour telephone banking and Internet services, and check imaging. The bank operates 20 banking offices in North Carolina serving the counties of Surry, Wilkes, Yadkin, Ashe, Iredell, North Mecklenburg, and Watauga. Through its subsidiaries, the bank provides investment services to its customers. The bank was incorporated in 1968 and is headquartered in Elkin, North Carolina.
CENTRAL BANCORP INC (CEBK)
Central Bancorp, Inc. operates as the bank holding company for Central Co-operative Bank that provides commercial banking services in the northwestern suburbs of Boston, Massachusetts. The bank engages in generating deposits and originating loans. Its deposit products include demand, savings, passbook, money market, and term deposits, as well as negotiable order of withdrawal accounts. The bank's loan portfolio comprises real estate residential, commercial, construction, and home equity lines of credit; commercial loans; and consumer loans. It also offers automated teller machine and Internet banking services. The bank primarily invests in the U.S. government and agency obligations, corporate bonds, and mortgage-backed securities. As of December 31, 2004, it operated eight office facilities in Somerville, Arlington, Burlington, Chestnut Hill, Malden, Melrose, and Woburn, Massachusetts; and a limited service high school branch in Woburn, Massachusetts. Central Bancorp was founded in 1915 and is based in Somerville, Massachusetts.
HARLEYSVILLE SAVINGS BANK (HARL)
Harleysville Savings Financial Corporation operates as the holding company for Harleysville Savings Bank, which offers general banking services in Montgomery County, Pennsylvania. The bank primarily involves in accepting deposits and originating loans. Its deposit products primarily include passbook and club savings accounts, NOW and regular checking accounts, money market deposit accounts, retirement accounts, and certificates of deposits. The bank originates various loans, which primarily include loans secured by first mortgages on single-family and multifamily residential properties; construction loans; loans secured by commercial real estate; and consumer loans, such as installment home equity loans, home equity lines of credit, automobile loans, loans on savings accounts, and education loans. The bank's investment portfolio consists primarily of the United States Treasury securities and obligations of the United States government agencies, as well as interest-bearing deposits in other banks, tax-exempt obligations, money market mutual funds, and stock of the FHLB of Pittsburgh. As of September 30, 2005, the bank operated 5 offices located in Montgomery County, Pennsylvania. It also offers its services through the automated teller machines, Internet, and telephone. The company was incorporated in 1915 and is headquartered in Harleysville, Pennsylvania.
FIRST NATIONAL LINCOLN CORPORATION (FNLC)
First National Lincoln Corporation operates as the holding company for The First National Bank of Damariscotta that provides retail banking services in Maine. The bank engages in generating deposits and originating loans. Its deposit products include demand, money market, and savings deposits, as well as certificates of deposits and negotiable order of withdrawal accounts. The bank's loan portfolio comprises commercial, consumer, state and municipal, and real estate loans. It also provides investment management and private banking services, as well as offers trust services. The bank primarily invests in the obligations of the U.S. Treasury and government agency securities and states and political subdivisions. The company was formed in 1864 and is based in Damariscotta, Maine.
TOWER FINANCIAL CORPORATION (TOFC)
Tower Financial Corporation operates as the holding company of Tower Bank & Trust Company. The bank provides various commercial and consumer banking services primarily in metropolitan area of Fort Wayne, Indiana. It offers various deposit products, including checking, savings, money market accounts, certificates of deposit, and direct deposit services. The bank's lending activities include secured and unsecured commercial business loans for general operating purposes, acquisition of fixed assets, lines of credit collateralized by inventory, and accounts receivable, as well as originates both fixed and variable rate long-term residential mortgage loans and sells them in the secondary market. In addition, the bank makes personal loans and lines of credit available to consumers for various purposes, such as the purchase of automobiles, boats, and other recreational vehicles, and the making of home improvements and personal investments, as well as offers investment management and trust services, including personal trust services, estate planning, and money management services. The bank offers its services to the individuals, businesses, associations, financial institutions, and government entities. The bank operates five full-service banking centers in Fort Wayne and one business development office in Angola, Indiana. Tower Financial was incorporated in 1998 and is headquartered in Fort Wayne, Indiana.
ALLIANCE FINANCIAL CORPORATION (ALNC)
Alliance Financial Corporation operates as the holding company for Alliance Bank, N.A. that provides a range of financial products to the commercial, retail, government, and trust customers. The bank offers various deposit products, including interest and noninterest bearing checking accounts, money market accounts, savings accounts, time deposit accounts, and individual retirement accounts. Its lending services comprise residential and commercial mortgage loans, business lines of credit, working capital facilities, and business term loans, as well as installment loans, home equity loans, and personal lines of credit to individuals. The bank also offers trust and investment department services, such as personal trust, employee benefit trust, investment management, custodial, and financial planning. It invests in U.S. Treasury and other U.S. Government agencies, mortgage-backed securities, obligations of states and political subdivisions, Federal Home Loan Bank and Federal Reserve Bank stock, and other equity securities. In addition, the bank provides financial counseling and brokerage services. Further, it offers safe deposit boxes, travelers checks, money orders, wire transfers, collection services, drive-up banking facilities, night depositories, automated teller machines, telephone banking, and Internet banking services. As of July 21, 2005, the bank operated 20 offices in Cortland, Madison, Oneida, and Onondaga counties. Alliance Financial Corporation is based in Syracuse, New York.
META FINANCIAL GROUP INC (CASH)
Meta Financial Group, Inc. operates as the holding company for MetaBank and MetaBank West Central that provide a range of financial services in Iowa and South Dakota. The banks engage in generating deposits and originating loans. Its deposit products include passbook savings, money market savings, negotiable order of withdrawal, and checking accounts, as well as certificates of deposit. The banks' loan portfolio comprises one- to four-family residential mortgage, commercial and multifamily real estate, agricultural operating and real estate, construction, consumer, and commercial business loans. Meta Financial Group also offers trust services; issues reloadable, nonreloadable, and benefit cards; and provides automated clearing house services for corporate clients. In addition, MetaBank, through its affiliation with Bill Markve and Associates, offers insurance products, mutual funds, equities, bonds, and annuities. The banks primarily invest in mortgage-backed securities, the U.S. government and agency obligations, and other investments. As of September 30, 2005, the banks operated 18 branches in South Dakota and Iowa. The company was formerly known as First Midwest Financial, Inc. and changed its name to Meta Financial Group, Inc. in January 2005. Meta Financial Group is based in Storm Lake, Iowa.
PACIFIC CONTINENTAL CORPORATION (ORE) (PCBK)
Pacific Continental Corporation operates as the holding company for Pacific Continental Bank that provides commercial banking services principally in Oregon. The bank engages in generating deposits and originating loans. Its deposit products include checking accounts, savings accounts, money market accounts, and time deposits. The bank's loan portfolio comprises commercial loans; construction loan financing for commercial facilities and for presold, custom, and speculative home construction; residential mortgage loans; consumer loans for automobiles, mobile homes, boats, home improvements, education, and personal investment; and small business administration loans. Pacific Continental Bank also provides safe deposit services, debit and automated teller machine cards, ACH transactions, savings bonds, cashier's checks, travelers' checks, and notary services, as well as provides credit card services to its business customers and merchant bankcard processing services. It primarily invests in the obligations of the U.S. treasury, U.S. government agencies, mortgage-backed securities, and obligations of states and political subdivisions. As of December 31, 2004, the bank operated 10 branch offices and 2 consumer finance lending offices. Pacific Continental Corporation was founded in 1972 and is based in Eugene, Oregon.
DEARBORN BANCORP INC (DEAR)
Dearborn Bancorp, Inc. operates as the holding company for Community Bank of Dearborn that provides commercial banking services in Michigan. The bank engages in generating deposits and originating loans. Its deposit products include checking accounts, savings accounts, money market accounts, and certificates of deposit, as well as business checking accounts. The bank's loan portfolio comprises commercial, consumer, and real estate mortgages. It also provides travelers' checks, cashiers' checks, wire transfers, safety deposit boxes, collection services, and night depository services, as well as offers voice response, automated telephone banking, and Internet banking services. In addition, Community Bank sells insurance products and provides internal audit and compliance consulting to other community banks. It primarily invests in the U.S. Treasury securities and mortgage backed securities. As of December 31, 2004, the bank had five offices in western Wayne County, one in the Downriver area of Wayne County, two offices in Macomb County, one office in Oakland County, and three offices in Washtenaw County. Dearborn Bancorp was formed in 1992 and is headquartered in Dearborn, Michigan.
MERCHANTS BANCSHARES INC (MBVT)
Merchants Bancshares, Inc. operates as the holding company for Merchants Bank that provides retail and commercial banking services in the state of Vermont. The bank engages in generating deposits and originating loans. Its deposit products include savings, money market, and negotiable order of withdrawal accounts, as well as time deposits. The bank's loan portfolio primarily comprises commercial, real estate, and consumer loans. It also provides various other services, including customary check collection, wire transfer, safe deposit box rental, automated teller machine, and debit card services; and fiduciary services, such as trust management and administration, investment management, and estate settlement services. As of August 2, 2005, the bank operated 35 bank offices in Vermont. Merchants Bancshares, through other subsidiary, Merchants Properties, Inc., engages in developing and owning affordable rental housing units in Vermont. As of December 31, 2004, Merchants Properties owned 1 development property located in Enosburg, Vermont, which consisted of a 24-unit low-income family rental housing project. The company was founded in 1848 and is headquartered in South Burlington, Vermont.
METROCORP BANCSHARES INC (MCBI)
MetroCorp Bancshares, Inc. operates as the holding company for MetroBank, National Association (bank). The bank offers commercial banking services to small and medium sized businesses and consumers in the state of Texas. It provides a range of deposit products and services, such as checking and savings accounts, money market accounts, time deposits, automated teller machine cards, debit cards, and online banking. The bank's lending products include residential mortgage loans, residential construction loans, automobile loans, lines of credit, and other personal loans, as well as commercial mortgage loans, construction loans, residential mortgage brokerage and lending, trade finance, and commercial and industrial loans. As of June 30, 2005, MetroCorp operated 13 branches in Houston and Dallas, Texas. The company was founded by Don J. Wang in 1987 and is headquartered in Houston, Texas.
SAVANNAH BANCORP INC (SAVB)
The Savannah Bancorp, Inc. operates as the holding company for The Savannah Bank, N.A. and Bryan Bank & Trust, which provide commercial banking services to individuals and small to medium sized businesses in Georgia and South Carolina. The company accepts checking accounts; savings accounts; and various time deposits, such as daily money market accounts and long-term certificates of deposit; and retirement accounts, including individual retirement account and simplified employee pension accounts. It also offers short-term and medium-term commercial, real estate, residential mortgage, and personal loans; and consumer loans, such as secured loans for financing automobiles, home improvements, real estate, and other personal investments; unsecured consumer loans; and real estate construction and acquisition loans. Further, the company offers customers and their advisors with Internet access to view customers' accounts; trust services, such as investment management, personal trusts, custodial accounts, estate administration, and retirement plan asset management; outsource trust data processing; securities safekeeping; cash management services; Internet banking and bill payment; noncash deposit courier service; safe deposit boxes; travelers' checks; direct deposit of payroll; U.S. Savings bonds; official bank checks and money orders and automatic drafts for various accounts; ATM and debit cards; and VISA and MasterCard credit cards. It invests in U.S. treasury and other U.S. government agencies securities, and mortgage-backed securities. As of September 30, 2005, Savannah Bancorp had six banking offices and seven ATMs in Savannah, Chatham County, and Richmond Hill, Georgia, as well as mortgage lending offices in Savannah, Richmond Hill, and Hilton Head Island, South Carolina. The company was founded in 1989 and is headquartered in Savannah, Georgia.
OHIO VALLEY BANC CORP (OVBC)
Ohio Valley Banc Corp. operates as the holding company for The Ohio Valley Bank Company, which provides commercial and retail banking services. The bank provides commercial, consumer, and agricultural banking services within central and southeastern Ohio, as well as western West Virginia. Its deposit products include checking, savings, certificates of deposit, and time deposits. The bank's loan products consist of commercial loans, residential real estate loans, home equity lines of credit, installment loans, and credit card loans. Its services also include safe deposit boxes, issuance of travelers' checks, and administration of trusts. The bank primarily invests in U.S. Government and agency obligations, mortgage-backed securities, interest-bearing deposits in other financial institutions, and other investments. As of December 31, 2004, the bank operated 21 offices and 25 automated teller machines located in central and southeastern Ohio, as well as in western West Virginia. The company was formed in 1872 and is headquartered in Gallipolis, Ohio.
BANK OF SOUTH CAROLINA CORP (BKSC)
Bank of South Carolina Corporation operates as the holding company for The Bank of South Carolina, which provides commercial banking services to individuals, governmental authorities, and small and medium sized businesses in Charleston, Dorchester, and Berkeley in South Carolina. The bank accepts noninterest bearing and interest bearing demand deposits, checking accounts, money market accounts, certificates of deposits, time deposits, savings deposits, and retirement accounts. It also provides commercial loans, including loans for working capital, business expansion, and purchase of machinery and equipment; commercial real estate loans; residential mortgage loans; consumer loans; and personal loans, including loans for automobiles, home improvements, education, lot acquisition, construction, home equity, and personal investments. In addition, the bank offers credit cards, including MasterCard and Visa; personal checking account-related lines of credit; safe deposit boxes; letters of credit; travelers' checks; direct deposit of payroll; Check Cards; and Internet banking services. Its investment portfolio comprises U.S. treasury bills, other U.S. treasury obligations, federal agency securities, and municipal securities. Bank of South Carolina Corporation was founded in 1986 and is based in Charleston, South Carolina.
LSB Corporation operates as the holding company for Lawrence Savings Bank, which provides various banking services in Merrimack Valley in Massachusetts and southern New Hampshire. The bank accepts deposit accounts, including savings, checking, money market, certificates of deposit, and individual retirement accounts. It also offers commercial real estate loans secured by commercial facilities and small businesses; commercial business loans, such as small business administration loans; construction loans, including loans for land development, construction of residential homes, and construction of commercial facilities; residential mortgage loans secured by one- to-four family primary residential properties; home equity loans; and consumer loans, such as overdraft lines of credit, collateral loans, and secured and unsecured personal loans. The bank invests in U.S. treasury obligations, federal agency obligations, mortgage-backed securities, asset-backed securities, corporate obligations, mutual funds, and equity securities. As of September 30, 2005, the bank had six banking offices in Andover, Lawrence, Methuen, and North Andover, Massachusetts, as well as in Salem, New Hampshire. The company was founded in 1868 and is based in North Andover, Massachusetts.
PVF Capital Corp. operates as the holding company for Park View Federal Savings Bank, which primarily engages in attracting deposits and originating loans in Ohio. Its deposit products include checking accounts, money market accounts, regular savings accounts, and certificates of deposit. The bank originates various loans, including loans secured by first mortgages on real estate, loans for construction of residential real estate, commercial real estate loans, multifamily residential property loans, and land loans. It also originates loans secured by second mortgages, including home equity lines of credit; and loans secured by savings deposits. The bank primarily invests in various liquid assets, including United States government and United States government sponsored enterprise securities, time deposits at the FHLB of Cincinnati, certificates of deposit or bankers' acceptances at other federally insured depository institutions, and mortgage-backed securities. As of June 30, 2005, the bank operated 17 offices located in Cuyahoga, Summit, Medina, Lorain, Lake, Portage and Geauga Counties in Ohio. The company, through other subsidiaries, engages in the activities of land acquisition and real estate investment. The company was founded in 1920 and is based in Solon, Ohio.
CASCADE FINANCIAL CORP (CASB)
Cascade Financial Corporation operates as the holding company for Cascade Bank (the bank) that provides various banking services in the United States. The bank offers commercial business loans to small and medium sized businesses secured by real estate, receivables, equipment, other assets of the business and personal property, and the personal guarantee of the borrower. It offers construction loans to individuals and builders. The bank provides commercial real estate loans secured by improved property, such as office buildings and small commercial business properties, including strip shopping centers. It also offers multi family residential and one to four family residential loans. The bank offers home equity lines of credit and consumer loans secured by boats, automobiles, and recreational vehicles. It offers various deposit services that include savings accounts, demand accounts, money market account, and time certificates of deposits. As of June 30, 2004, the bank operated through 18 branch locations. The bank invests in United States Treasury obligations, securities of certain government sponsored enterprises, mortgage-backed securities, state and municipal government bonds, deposits at the FHLB-Seattle, certificates of deposits, corporate bonds, bankers' acceptances, and Federal funds. Cascade Financial Corporation was formed in 1916 and is headquartered in Everett, Washington.
WESCO FINANCIAL CORPORATION (WSC)
Wesco Financial Corporation, through its subsidiaries, engages in insurance, furniture rental, and steel service center businesses. It operates in three segments: Insurance, Furniture Rental, and Industrial. The Insurance segment offers property and casualty insurance, and reinsurance products, as well as specialized insurance coverage for banks. The Furniture Rental segment provides rental furniture, accessories, and related services to corporate and individual customers in the rent-to-rent segment of the furniture industry. It also sells previously rented furniture through company-owned clearance centers. As of December 31, 2004, Wesco operated 100 showrooms and 87 clearance centers in 34 states and the District of Columbia. The Industrial segment operates steel service centers in the Chicago and Charlotte metropolitan areas, which buy various metals, cut these metals to order, and sell them to various customers. In addition, Wesco manages a commercial property. The company was founded in 1925 and is based in Pasadena, California. Wesco Financial Corporation is a subsidiary of Blue Chip Stamps.
FIRST FRANKLIN CORPORATION (FFHS)
First Franklin Corporation operates as a savings and loan holding company. The company, through its subsidiary, The Franklin Savings and Loan Company (Franklin), provides a range of banking products and services in Ohio, the United States. Franklin attracts both short-term and long term deposits from the general public by offering various accounts, including regular passbook accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, jumbo certificates of deposit, and individual retirement accounts and Keogh accounts. Its lending products include residential real estate loans, multifamily residential and nonresidential real estate loans, and consumer and other loans for personal, family, or household purposes. Franklin also offers credit and debit cards, automated teller machines, a voice response telephone inquiry system, and Internet banking services. In addition, it offers annuities, mutual funds, and discount brokerage services through an agreement with a third party broker dealer. Franklin invests primarily in the United States Treasury and agency securities, bank certificates of deposit, obligations issued by states or municipalities, and Federal Home Loan Bank overnight funds. As of September 30, 2005, Franklin operated seven banking offices in Hamilton County, Ohio. The company was formed in 1883 and is based in Cincinnati, Ohio.
TriCo Bancshares operates as the holding company of Tri Counties Bank, which provides commercial banking business in the California. The bank accepts demand, savings, and time deposits. It also offers agribusiness, commercial, consumer, and residential loans. In addition, the bank also offers installment note collection; issues cashier's checks and money orders, and trust preferred securities; sells travelers checks; and provides safe deposit boxes and other customary banking and brokerage services. The company's investment portfolio comprises obligations of US government corporations and agencies, obligations of states and political subdivisions, and corporate bonds. The Bank offers its services to local businesses, farmers and ranchers, retired individuals, and wage earners. As of June 30, 2005, the company operated 32 branch offices and 15 in-store branch offices in northern and central California. The company was founded in 1974 and is based in Chico, California.
FIRST CITIZENS BANCSHARES INC (FCNCA)
First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company (FCB) and IronStone Bank (ISB). It offers a range of banking services for both retail and c |
