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Ameris Bancorp, a bank holding company, offers various retail and commercial banking services in Georgia, Florida, and Alabama. The company provides a range of deposit products, including checking, savings, NOW, money market, time deposit accounts, and individual retirement accounts. Its lending activities include provision of real estate-related loans, agriculture-related loans, commercial and financial loans, and consumer installment loans to corporations, partnerships, and individuals. Ameris Bancorp also offers Internet banking, letters of credit, brokerage services, fixed rate annuities, safe deposit box rentals, bank official checks, electronic funds transfer, automated teller machines, credit and debit cards, and overdraft protection services. The company's investment portfolio consists of the U. S. Government and federal agencies securities; state and municipal securities; corporate debt securities; mortgage-backed securities; and marketable equity securities. In addition, Ameris Bancorp provides trust services to its customers. As of September 30, 2005, the company operated 37 branches. Ameris Bancorp was formed in 1971. The company was formerly known as ABC Bancorp and changed its name to Ameris Bancorp in December 2005. Ameris Bancorp is headquartered in Moultrie, Georgia.
ANCHOR BANCORP WISCONSIN INC (ABCW)
Anchor Bancorp Wisconsin, Inc. operates as the holding company for AnchorBank, fsb that provides a range of financial services to individual customers in Wisconsin, as well as in the contiguous counties of Iowa, Minnesota, and Illinois. Its deposit products include passbook savings accounts, demand accounts, interest bearing checking accounts, money market deposit accounts, and certificates of deposit. The bank originates single-family residential loans secured by properties. It also originates commercial real estate, multifamily, construction, consumer, and commercial business loans secured by properties and assets. In addition, the bank offers student loans, credit cards, annuities, and related consumer financial services. The bank, through its subsidiary, offers investments, and credit life and disability insurance to its customers and other members of the general public. Anchor Bancorp Wisconsin, through its subsidiary, Investment Directions, Inc., invests in real estate partnerships. It invests primarily in the U.S. government and federal agency obligations, mutual funds, and corporate stocks. As of March 31, 2005, the bank operated through its main office and 56 full-service offices, and 2 loan origination offices. The company was founded in 1919 and is headquartered in Madison, Wisconsin.
ALLIED IRISH BANKS P.L.C (AIB)
Allied Irish Banks, p.l.c. provides a range of banking, financial, and related services, principally in Ireland, the United States, the United Kingdom, and Poland. It provides various savings and investment products, loans and overdrafts, home loans, home improvement loans, foreign exchange facilities, and a range of money transmission services, as well as issues Visa and Mastercard credit cards. The company also offers mortgages, retail bonds, mutual funds, treasury and capital market products, leasing and factoring facilities, foreign trade services, and asset management and stock broking services, as well as a range of financial planning services, including life assurance, savings and investment instruments, pensions, and inheritance tax planning. As of December 31, 2004, Allied Irish Banks operated from approximately 770 branches and outlets, principally in Ireland, Northern Ireland, Britain, and Poland. Its customers primarily include individuals, small and medium sized commercial customers, farmers, and the corporate sector. The company was founded in 1825 and is Dublin, Ireland.
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.
AMCORE FINANCIAL INC (AMFI)
AMCORE Financial, Inc. operates as the holding company for AMCORE Bank, N.A. (bank). It offers various personal banking, commercial banking, and related financial services in northern Illinois and south central Wisconsin. The bank provides a range of commercial banking services, such as lending, business checking and deposits, treasury management, and other traditional and electronic commercial banking services to large and small business customers. It offers various retail banking services, including checking, savings, money market, and certificate of deposit accounts; direct and indirect lending; safe deposit rental; automated teller machines; and other traditional and electronic retail banking services to individual customers. The bank also provides trust, investment management, employee benefit recordkeeping, administration and brokerage services, advisory services, and fund administration services. In addition, it offers a range of mortgage lending products, such as long-term and fixed-rate loans to the secondary market. As of July 14, 2005, AMCORE Financial operated 73 branches in Illinois, Wisconsin, and Iowa. The company is headquartered in Rockford, Illinois.
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.
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.
ARROW FINANCIAL CORPORATION (AROW)
Arrow Financial Corporation operates as the holding company for Glens Falls National Bank and Trust Company (GFNB), and Saratoga National Bank and Trust Company. It offers a range of commercial and consumer banking and financial products. Arrow provides a range of deposit products, such as interest-bearing NOW deposits, regular and money market savings, and time deposits, as well as engages in various lending activities, including commercial and industrial lending primarily to small and mid sized companies; mortgage lending for residential and commercial properties; and consumer installment and home equity financing. In addition, the company provides retirement planning, trust, and estate administration services for individuals; and pension, profit-sharing, and employee benefit plan administration for corporations. It operates primarily in northern New York state in Warren, Washington, Saratoga, Essex, and Clinton counties and surrounding areas. As of December 31, 2004, the company operated 22 branch offices. Arrow Financial was founded in 1851 and is headquartered in Glens Falls, New York.
ASSOCIATED BANC-CORP (ASBC)
Associated Banc-Corp. operates as a multibank holding company in the United States. It offers various banking and nonbanking services primarily in Wisconsin, Minnesota, and Illinois. The company operates through two segments, Banking and Wealth Management. The Banking segment offers home equity loans and lines of credit; residential mortgage loans and mortgage refinancing; education loans; personal and installment loans; checking, savings, money market deposit, and IRA accounts; certificates of deposit; and safe deposit boxes. It also provides business loans, lines of credit, commercial real estate financing, construction loans, letters of credit, revolving credit arrangements, credit cards, and equipment and machinery leases. The Banking segment also provides night depository services, cash management, and international banking, as well as check clearing, and safekeeping. The Wealth Management segment provides products and various fiduciary, investment management, and advisory and corporate agency services to assist customers in building, investing, or protecting their wealth. Its customers include individuals, corporations, small businesses, charitable trusts, endowments, foundations, and institutional investors. This segment also offers business insurance products and services, including life, property, casualty, credit and mortgage insurance, fixed annuities, and employee group benefits consulting and administration; full-service investment brokerage, variable annuities, and discount and online brokerage; trust/asset management; investment management; administration of pension, profit-sharing, and other employee benefit plans; and personal trusts and estate planning. As of December 31, 2004, the company's bank subsidiaries operated 307 offices. Associated Banc-Corp. was incorporated in 1964 and is headquartered in Green Bay, Wisconsin.
Ameriana Bancorp operates as the holding company for Ameriana Bank and Trust, SB, which offers various personal banking products and services. The bank accepts regular savings, NOW, and money market accounts; fixed interest rate certificates with varying maturities; negotiated rate jumbo certificates with various maturities; and tax-deferred individual retirement, Keogh retirement, and simplified employer plan retirement accounts. It offers mortgage loans on single-family residences, multifamily housing, commercial real estate, and lines of credit; home improvement loans; and consumer loans. The bank also provides trust, investment, and estate planning services, as well as insurance and brokerage services. It invests in various federal and government agency obligations, and other investment securities permitted by applicable laws and regulations, including mortgage-backed, municipal, and equity securities. As of December 31, 2004, the bank operated through nine branch offices located in New Castle, Middletown, Knightstown, Morristown, Greenfield, Anderson, Avon, McCordsville, and New Palestine, Indiana. The company was founded in 1890 and is based in New Castle, Indiana.
AMERISERV FINANCIAL INC (ASRV)
AmeriServ Financial, Inc. operates as a bank holding company for the AmeriServ Financial Bank, which offers consumer, mortgage, and commercial financial products. It also conducts general banking business, which offers retail banking services; and lending, depository, and related financial services. Its Retail banking services include demand, savings and time deposits, money market accounts, secured and unsecured loans, mortgage loans, safe deposit boxes, holiday club accounts, collection services, money orders, and traveler's checks. Lending, depositary, and other related services include real estate-mortgage loans, short and medium term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, automated bank teller machine and online banking, and lock box services for commercial, industrial, financial, and governmental customers. The company, through its nonbanking subsidiary, AmeriServ Trust and Financial Services, provides personalized and professional services, such as trust and estate administration, union collective investment funds, and pension, profit sharing, and 401(k) and 403(b) plans, as well as custom designed accounts and nonqualified plans for special purposes. In addition, AmeriServ Financial, through its subsidiary, AmeriServ Associates, Inc., operates as an investment advisory firm that administers investment portfolios, offers operational support systems, and provides asset and liability management services to small and mid-sized financial institutions. The company invests primarily in the U.S. treasury, the U.S. agency, mortgage-backed securities, and equity investment in Federal Home Loan Bank and Federal Reserve Bank Stocks. As of June 30, 2005, the company operated 22 banking locations in six Pennsylvania counties. AmeriServ Financial is headquartered in Johnstown, Pennsylvania.
AMERICANWEST BANCORPORATION (AWBC)
AmericanWest Bancorporation operates as a bank holding company for AmericanWest Bank provides various financial services. It accepts negotiable order of withdrawal, money market investment, and savings accounts, as well as certificates of deposits and other time deposits. The bank also offers commercial, commercial real estate, agricultural, real estate mortgage, residential real estate and other construction loans, and consumer installment and bankcard loans. In addition, it offers account access programs, such as debit cards, online banking, and online bill payment services. As of July 22, 2005, the bank operated 44 branches in Eastern Washington and Northern Idaho. The company was founded in 1974 and is headquartered in headquartered in Spokane, Washington.
BANK OF AMERICA CORPORATION (BAC)
Bank of America Corporation, a holding company, provides a range of financial products and services in the United States and internationally. Its Global Consumer and Small Business Banking segment provides a range of products and services to individuals and small businesses through various delivery channels. It offers deposit products, such as checking accounts, money market savings accounts, time deposits, and IRAs; and debit and credit card products. This segment also engages in the origination, fulfillment, and servicing of residential mortgage loans, including home equity loan products, as well as in the provision of direct banking via the Internet, deposit services, and student lending and certain insurance services. The company's Global Business and Financial Services segment provides treasury management, trade finance, foreign exchange, short-term credit facilities, and short-term investing services; commercial lending, treasury management products, and investment banking services; and project financing, leasing solutions, and asset-based lending financing solutions. Its Global Capital Markets and Investment Banking segment provides underwriting and marketing services for equity and equity-linked securities, debt securities, commercial paper, and mortgage and asset-backed securities. It also provides debt and equity securities research, loan syndications, mergers and acquisitions advisory, and private placements services. The company's Global Wealth and Investment Management segment offers investment services, estate management, financial planning services, fiduciary management, credit and banking expertise, and diversified asset management products to institutional clients and high-net-worth individuals. As of January 5, 2006, the company operated 5,800 retail banking centers and approximately 16,700 ATMs, as well as telephone and Internet channels. Bank of America was founded in 1874 and is headquartered in Charlotte, North Carolina.
BANCFIRST CORPORATION (BANF)
BancFirst Corporation operates as the holding company of BancFirst, which provides retail and commercial banking services in Oklahoma. It accepts checking, NOW, savings, money market, sweep, club, individual retirement accounts, and certificates of deposits, as well as offers overdraft protection and autodraft services. The bank also offers real estate, consumer, and commercial and finance loans. In addition, it offers trust services, and acts as executor, administrator, trustee, transfer agent, and in various other fiduciary capacities, as well as provides mortgage lending, student lending, securities brokerage, electronic banking, and insurance services. The bank provides item processing, research, and other correspondent banking services to financial institutions and governmental units. It serves the small and medium-sized businesses engaged in light manufacturing, local wholesale and retail trade, services, agriculture, and energy industry. As of December 31, 2004, BancFirst operated 84 banking locations serving 43 communities throughout Oklahoma. The company is based in Oklahoma City, Oklahoma.
BANNER CORPORATION (BANR)
Banner Corporation operates as the holding company for Banner Bank that provides commercial banking services. The bank engages in generating deposits and originating loans. Its deposit products include demand checking accounts, negotiable order of withdrawal accounts, money market deposit accounts, regular savings accounts, certificates of deposit, cash management services, and retirement savings plans. Banner Bank's loan portfolio comprises commercial business and commercial real estate loans, agriculture business loans, construction and land development loans, one- to four-family residential loans, and consumer loans. The bank also engages in mortgage banking operations primarily through the origination and sale of one- to four-family residential loans on both a servicing released and servicing retained basis. It primarily invests in the U.S. government agency obligations, mortgage-backed securities, municipal bonds, corporate debt obligations, and stock of Fannie Mae and Freddie Mac. As of September 30, 2005, the bank operated 55 branch offices and 12 loan production offices in 24 counties in Washington, Oregon, and Idaho. Banner Corporation was founded in 1890 and is based in Walla Walla, Washington.
Credicorp, Ltd., through its banking and nonbanking subsidiaries, provides various financial services and products in Peru and in selected international markets. It offers commercial banking services, including corporate and private banking services; corporate, consumer, micro-business, and mortgage loans, credit and debit cards; savings, deposits, overdrafts, foreign currency, and derivative products; structure financing; corporate leasing; and custody services. The company's insurance services include commercial property, transportation and marine hull, automobile, life, health, and pension fund underwriting insurance. It also offers investment banking services, including trading and brokerage services; asset management; treasury, foreign exchange, and proprietary trading and investment; and trust, custody, and securitization services. The company also invests in Peruvian government bonds, equity securities, bonds, Peruvian Central Bank certificate notes, and in other investments. As of December 31, 2004, it operated 309 branches. The company was formed in 1889 and is based in Lima, Peru.
BANCORP RHODE ISLAND INC (BARI)
Bancorp Rhode Island, Inc. operates as the holding company for Bank Rhode Island (bank). The bank provides commercial banking services in the greater Providence market in the state of Rhode Island. It offers a range of commercial real estate, business, residential, and consumer loans; deposit products; nondeposit investment products; cash management and online banking services; and other banking products and services to individuals and small to mid sized businesses. The bank offers a range of deposit products, including demand-type accounts, certificates of deposit, and checking and savings accounts, as well as provides nondeposit investment products, such as mutual funds, stock and bond trading, unit investment trusts, fixed and variable annuities, online brokerage access, and life insurance products. It originates nonowner-occupied commercial real estate, multifamily residential real estate, and construction loans; and owner-occupied commercial real estate loans, term loans, and revolving lines of credit, as well as offers real estate and nonreal estate loans for business lending relationships. The bank also offers home equity term loans, home equity lines of credit, direct automobile loans, savings secured loans, and personal loans, as well as residential mortgage loans. In addition, it engages in the maintenance and management of intangible investments; and the collection and distribution of the income from such investments. The bank's portfolio primarily comprises U.S. agency securities, mortgage-backed securities, collateralized mortgage obligations, corporate debt securities, Federal Home Loan Bank of Boston stock, and overnight investments. As of December 31, 2004, it operated a network of 14 branch offices located in Providence, Kent, and Washington Counties. Bancorp Rhode Island is headquartered in Providence, Rhode Island.
Banco Bradesco S.A. (bank) provides a range of banking and financial products and services in Brazil and internationally to individuals, small to mid-sized companies, and local and international corporations and institutions. Its offers its services and products in two areas, banking services, and insurance, pension plan, and certificated savings plan services. The company's banking services encompass lending and deposit-taking, individual and corporate banking services, credit operations, credit and debit card services, leasing operations, investment banking, international banking, asset management, and consortium services. Its insurance, pension plan, and certificated savings plan services include life and accident insurance, health insurance, automobile insurance, property and casualty insurance, certified savings plans, pension investment contracts, and pension plans, including individual and corporate plans. As of June 30, 2005, Banco Bradesco operated 2917 branches and 22247 automated teller machines. The bank was founded in 1943 as Banco Brasileiro de Descontos S.A. and changed its name to Banco Bradesco S.A. in 1988. Banco Bradesco is headquartered in Osasco, Brazil.
BB&T Corporation, a financial holding company, provides various banking and financial services to individuals, corporations, institutions, foundations, and government entities. It generates various deposit instruments, including checking accounts, savings accounts, money rate savings, investor deposit accounts, certificates of deposit, and individual retirement accounts. The company's lending activities include small business lending, commercial middle market lending, real estate lending, retail lending, home equity lending, sales finance, mortgage lending, commercial mortgage, leasing, and asset-based lending. It also offers other services, including asset management, agency insurance, wholesale insurance brokerage, institutional trust services, wealth management, investment brokerage services, capital markets services, factoring, international banking services, cash management, electronic payment services, credit and debit card services, and consumer finance, as well as payroll processing and payments services. In addition, the company offers nondeposit investment alternatives, including discount brokerage services, fixed-rate and variable-rate annuities, mutual funds, and government and municipal bonds. As of December, 31, 2004, its subsidiaries operated approximately 1,400 banking offices in North Carolina, South Carolina, Virginia, Maryland, Georgia, West Virginia, Tennessee, Kentucky, Alabama, Florida, Indiana, and Washington. The company was founded in 1906 and is headquartered in Winston-Salem, North Carolina.
BANCO BILBAO VISCAYA ARGENTARIA S.A (BBV)
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) engages in the retail banking, asset management, private banking, and wholesale banking operations worldwide. Its Retail Banking division provides banking services, including financial services, asset management, and private banking services to private individuals, retailers, and small and medium-sized entities. This division also manages mutual funds, pensions, and insurance brokerage. The company's Wholesale and Investment Banking division offers corporate banking, institutional banking, and transaction services to corporate, governmental, nongovernmental organizations, and institutional investor clients. BBVA also engages in banking, pensions, and insurance activities in Latin American countries, as well as provides investment advice and asset management services to high net worth individuals. The company was incorporated in 1988 and is based in Bilbao, Spain.
BANKATLANTIC BANCORP INC (BBX)
BankAtlantic Bancorp, Inc. operates as a financial services holding company that offers consumer and commercial banking, brokerage services, and investment banking. Its principal subsidiaries include BankAtlantic (bank) and RB Holdings, Inc., a holding company of Ryan Beck & Co., Inc. (Ryan Beck). The bank attracts checking and savings deposits; originates commercial real estate and business loans, and consumer and small business loans; purchases wholesale residential loans; and makes other investments in mortgage-backed securities, tax certificates, and other securities. As of March 1, it offered these services through 74 branch locations in Florida and operated approximately 200 ATMs. Ryan Beck engages in underwriting, distribution, and trading of equity and fixed income securities. It also provides general securities brokerage, and consulting and financial advisory services to financial institutions and middle market companies. In addition, Ryan Beck offers equity research in the financial institutions, healthcare, and consumer product sectors. The company was founded in 1952 and is headquartered in Ft. Lauderdale, Florida.
Banco de Chile and its subsidiaries offer general banking services to corporations, small and mid-sized businesses, and individuals in Chile. It offers commercial loans, including working capital facilities and trade finance, foreign exchange, and capital market services; cash management; and noncredit services, such as payroll and payment services. The company also offers treasury and risk management products to its corporate customers; and credit cards, residential mortgage, auto, and consumer loans, as well as deposit services, such as checking and savings accounts, and time deposits to its individual customers. In addition, through its subsidiaries, it offers various nonbanking financial services, including securities brokerage, mutual fund management, financial advisory services, factoring, general and life insurance brokerage, securitization, and collection and sales services. The company also provides account receipts and instrument collection services, through electronic means. Its international banking services include import and export financing, letters of credit, guarantees and other forms of credit support, as well as currency swaps, banking services, and treasury services. The company's investment portfolio consists of securities issued by the Central Bank, the Chilean Government securities, securities of foreign issuers, securities of local financial institutions, and securities of Chilean corporate issuers. As of December 31, 2004, it operated 224 branches and 1,001 ATMs. The company is headquartered in Santiago, Chile.
Barclays PLC provides financial services worldwide. It offers retail and commercial banking, investment banking, wealth management, and investment management services. The company offers current accounts, savings, mortgages, consumer loans, and general insurance to personal and corporate customers worldwide; banking services to small businesses; banking, investment products, and advice to affluent customers in the United States and the United Kingdom; and provides relationship banking to large and medium business customers in the United Kingdom. It offers these services through branch network, automated teller machines, telephone banking, and online banking. Barclays offers private banking, offshore banking, stock broking and asset management services, as well as financial planning services to affluent, high net worth, and corporate clients primarily in the United Kingdom and continental Europe. It operates a multibrand credit card and consumer lending business that processes card payments for retailers and merchants; and issues cards to corporate customers. The company also operates Barclays Capital, a global investment bank, which engages in fixed income, foreign exchange, commodities, emerging markets, money markets sales, trading and research, prime brokerage, and equity related activities, as well as involves in the origination, sales, trading, and research relating to loans, debt capital markets, structured capital markets, commercial mortgage backed securities, private equity, and large asset leasing. In addition, Barclays offers structured investment strategies, such as indexing; global asset allocation; risk controlled active products, including hedge funds; and related investment services, such as securities lending, cash management, and portfolio transition services. The company was incorporated in 1896 as Barclay & Company Limited and its name was changed to Barclays Bank Limited in 1917 and to Barclays PLC in 1985. Barclays is headquartered in London.
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.
BBVA BANCO FRANCES S.A (BFR)
BBVA Banco Frances S.A. provides financial services to corporations and individuals in Argentina. The company offers deposit products, such as current accounts, sight accounts, savings accounts, time deposits, and Cedros. It also offers investment banking products, such as trustees; international banking services, including foreign trade services, such as letters of credit, collections, bank drafts, fund transfers, and foreign currency transactions; and capital market transactions, such as stock exchange brokerage. The company also provides short and medium-term financing, such as overdrafts on demand accounts, personal and mortgage loans, car financing, and credit card financing, as well as offers notes discounted and working capital financing. It also manages pension and retirement funds; provides insurance and insurance advisory services; and offers telephone banking and Internet banking services. The company invests in the securities issued by the Argentine and other governments, and private issuers. As of December 31, 2004, it operated a network of 227 branches and 512 automatic teller machines in 23 provinces of Argentina, as well as in the city of Buenos Aires. The company was founded in 1886. It was formerly known as Banco Frances del Rio de la Plata S.A. and changed its name to BBVA Banco Frances S.A. in 2000. The company is based in Buenos Aires, Argentina. BBVA Banco Frances S.A. is a majority owned subsidiary of Banco Bilbao Vizcaya Argentaria S.A.
BANK OF NEW YORK MELLON CORPORATION (BK)
The Bank of New York Company, Inc., through its principal subsidiary, The Bank of New York, provides various financial products and services to financial institutions, corporations, government entities, endowments, and foundations worldwide. The company operates in four segments: Servicing and Fiduciary, Corporate Banking, Retail Banking, and Financial Markets. The Servicing and Fiduciary segment includes securities servicing, global payment services, private client services, and asset management. The Corporate Banking segment provides lending and credit-related services to public and private financial institutions and corporations, as well as to public and private mid-size businesses in the New York metropolitan area. The Retail Banking segment includes retail deposit services, branch banking, and consumer and residential mortgage lending. The company operated 341 branches and 375 automated teller machines in New York, New Jersey, and Connecticut, as of March 31, 2005. The Financial Markets segment includes trading of foreign exchange and interest rate risk management products, investing and leasing activities, and treasury services to other segments. The company is headquartered in New York City.
BANK MUTUAL CORPORATION (BKMU)
Bank Mutual Corporation operates as the holding company for the Bank Mutual, a federal savings bank, which provides various financial services primarily in the state of Wisconsin. The bank offers a range of deposit products, including regular savings accounts, interest-bearing demand accounts, noninterest-bearing demand accounts, money market accounts, time deposits, and IRA time deposit accounts. It originates mortgage loans, consumer loans, commercial real estate loans, and commercial business loans. Bank Mutual's primary lending activity includes the origination and purchases of first mortgage loans secured by one- to four-family properties. The bank's consumer loan products include home equity loans, home equity lines of credit, home improvement loans, automobile loans, recreational vehicle loans, marine loans, deposit account loans, overdraft protection lines of credit, unsecured consumer loans, unsecured consumer loans through the Visa credit card programs, and federally guaranteed student loans. Its commercial loan portfolio consists of loans to businesses for equipment purchases, working capital lines of credit, debt refinancing, small business administration loans, and domestic stand-by letters of credit. In addition, Bank Mutual provides investment, brokerage, and insurance services, as well as engages in the development and sale of land. The bank's investment services include tax deferred and tax free investments, mutual funds, and government securities. It also offers personal insurance, business insurance, life and disability insurance, and mortgage protection products. Bank Mutual invests primarily in mutual funds, the United States government and federal agency obligations, corporate issue securities, stock in federal agencies, and mortgage-related securities. The bank had 70 banking offices located in 28 counties in Wisconsin, in addition to a Minnesota bank office, as of February 25, 2005. Bank Mutual Corporation is based in Milwaukee, Wisconsin.
BANCO LATINOAMERICANO DE EXPORTACIONES S.A (BLX)
Banco Latinoamericano de Exportaciones S.A. provides short-term trade financing to commercial banks in Latin America and the Caribbean. It advises and confirms letters of credit to facilitate foreign trade transactions, as well as issues stand-by letters of credit and guarantees to provide coverage for country risk. In addition, the company invests in bonds and impaired bonds. Banco Latinoamericano de Exportaciones was organized in 1977 and is headquartered in Panama City, Panama.
Bank of Montreal, and its subsidiaries, offers credit and noncredit products and services in North America. It operates through three segments: Personal and Commercial Client, Private Client, and Investment Banking. The Personal and Commercial Client Group provides personal and commercial banking solutions, including deposit accounts, loans and credit cards, insurance products, and personal investment products. It also offers various commercial banking products and services, including cash management, commercial and capital markets products, and financial advisory services, as well as credit and debit card transaction processing services. The Private Client Group offers wealth management products and services, including investing and wealth advisory services, online brokerage, private banking, and investment products. The Investment Banking Group offers various services, such as public and private debt and equity underwriting, corporate lending, securitization, cash management, risk management, and trade finance. It also provides financial advisory services in mergers, acquisitions, and restructurings; valuation and fairness opinions; and research, sales, and trading services to investing clients. This group also provides integrated debt, currency, interest rate, credit, and commodity solutions; credit investment management; and merchant banking services, including sourcing, structuring, and financing private equity investments. In addition, the Bank of Montreal provides telephone banking, online banking, and automated banking machine services. As of October 31, 2005 the bank operates through 968 bank branches, including instores in Canada and operated internationally in major financial markets and trading areas in eight other countries, including the United States. Bank of Montreal was founded in 1817 and is headquartered in Montreal, Canada.
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.
BANK OF HAWAII CORPORATION (BOH)
Bank of Hawaii Corporation operates as the holding company for Bank of Hawaii (bank). It provides a range of banking financial services and products in Hawaii and the Pacific Islands. The bank engages in equipment leasing, securities brokerage and investment services, and insurance and insurance agency services. Bank of Hawaii primarily provides various loans and lease products, including residential mortgage loans, home equity lines of credit, automobile loans, and leases and installment loans; a range of deposit products, such as checking, savings, and time deposit accounts to consumers and small businesses, as well as offers merchant services to its small business customers. It also provides corporate banking and commercial real estate loans, lease financing, auto dealer financing, deposit and cash management products, and property and casualty insurance products, as well as offers private banking, trust services, asset management, institutional investment advice, and retail brokerage services. In addition, the company's corporate asset and liability management activities include interest rate risk management and foreign exchange operations. It primarily serves businesses, consumers, corporations, government entities, and foundations. The company was founded in 1897 and is based in Honolulu, Hawaii.
BOK FINANCIAL CORPORATION (BOKF)
BOK Financial Corporation operates as a multibank holding company that provides various banking services in Oklahoma; Dallas and Houston, Texas; Albuquerque, New Mexico; northwest Arkansas; and Denver, Colorado. The company offers a range of financial products and services, including loans and deposits, cash management services, fiduciary services, mortgage banking, and brokerage and trading services to middle-market businesses, financial institutions, and consumers. It operates in four segments: Corporate Banking, Consumer Banking, Mortgage Banking, and Wealth Management. The Corporate Banking segment provides loan and lease financing, and treasury and cash management services to businesses in Oklahoma. It also provides ATM and merchant deposit services through its TransFund unit. The Consumer Banking segment offers deposit, loan, and fee-based services through four distribution channels consisting of traditional branches, supermarket branches, the ExpressBank call center, and Online Banking in Oklahoma. Mortgage Banking segment originates a range of mortgage products from federally sponsored programs to ‘jumbo loans' on higher priced homes in its primary market areas. It also services mortgage loans acquired from throughout the United States. Wealth Management segment provides brokerage and trading, private financial services, investment advisory services, and fiduciary services. The company also provides corporate and consumer banking services in Texas, New Mexico, Arkansas, and Colorado. BOK Financial is headquartered in Tulsa, Oklahoma.
BOSTON PRIVATE FINANCIAL HOLDINGS INC (BPFH)
Boston Private Financial Holdings, Inc., through its subsidiaries, provides private banking, wealth advisory, and investment management services to individuals, families, and businesses in the United States. It offers private banking and investment management services, such as checking, money market accounts, and certificates of deposit; residential mortgages and home equity lines of credit; investment management and trust services; and commercial loans and lines of credit, cash management, debit card and ATM services, and Internet banking services. The company also provides financial planning, tax planning, and investment management services, as well as asset allocation, estate planning, charitable planning, planning for employment benefits, insurance, retirement planning, alternative investment analysis, and mutual fund investing services. Boston Private Financial offers its services primarily to real estate developers and investors, financial service providers, technology companies, manufacturing and communications companies, professional service providers, general commercial and industrial companies, and individuals. The company is based in Boston, Massachusetts.
Popular, Inc., a financial holding company, provides various financial services primarily in Puerto Rico and the United States. The company, through its principal subsidiary, Banco Popular de Puerto Rico, offers a range of individual and commercial banking services in Puerto Rico. It also provides investment banking, auto and lease financing, mortgage and consumer lending, insurance, and information processing through its other subsidiaries. As of July 15, 2005, Popular, Inc. operated 280 branches and offices in Puerto Rico. The company also operates the Hispanic-owned financial services franchise, Banco Popular North America, which provides various financial solutions in the United States. It operated approximately 135 branches in California, Texas, Illinois, New York, New Jersey, and Florida, as well as 112 financial services stores under the name of Popular Cash Express, as of July 15, 2005. In addition, the company, through its finance subsidiary, Popular Financial Holdings, operated approximately 200 retail lending locations offering mortgage and personal loans in the United States, as of the above date. It also maintains a wholesale broker network, a warehouse lending division, loan servicing, and an assets acquisition unit. Popular, Inc. also operates in the Caribbean and Latin America. The company was founded in 1917 and is headquartered in Hato Rey, Puerto Rico.
BROOKLINE BANCORP INC (BRKL)
Brookline Bancorp, Inc. operates as the holding company for Brookline Bank that offers a range of banking services in Brookline, Newton, West Roxbury, and surrounding communities in Massachusetts. The bank offers various deposit accounts comprising noninterest-bearing checking accounts and interest-bearing NOW accounts, savings accounts, money market savings accounts, certificate of deposit accounts, individual retirement accounts, and other qualified plan accounts. Its loan portfolio consists primarily of first mortgage loans secured by multifamily, commercial, and one-to-four family residential real estate properties; and indirect automobile loans. The bank also provides financing for construction and development projects, commercial lines of credit primarily to condominium associations, home equity and second mortgage loans, and other consumer loans. In addition, it purchases participations in commercial loans to national companies and organizations originated and serviced primarily by money center banks. The bank invests in the U.S. Government-sponsored enterprises securities, municipal obligations, corporate obligations, collateralized mortgage obligations issued by the U.S. government-sponsored enterprises, mortgage-backed securities, and other marketable equity securities. As of December 31, 2004, Brookline Bank operated eight banking offices. In addition, the bank also buys, sells, and holds investment securities. Brookline Bancorp was founded in 1871 and is based in Brookline, Massachusetts.
Sierra Bancorp operates as the bank holding company for the Bank of the Sierra, which offers various banking services to individuals and businesses primarily in the central and southern sections of California's San Joaquin Valley. The bank offers a range of deposit products, including checking accounts, interest bearing transaction accounts, savings accounts, time deposit accounts, and retirement accounts. Its lending activities include real estate secured, commercial, agricultural, and retail loans. The banks principal retail lending services include home equity lines, consumer loans, and credit card loans. Bank of the Sierra also provide credit services in support of the agricultural activities, land acquisition and development loans, construction loans for residential and commercial development, and multifamily credit facilities. In addition, the bank has an arrangement with Moneyline Lending Services, Inc., whereby Moneyline underwrites single-family mortgage loans for qualifying bank customers; engages in small business administration lending; and offers other products and services, which include installment note collection, cashier's checks, traveler's checks, bank-by-mail, automated teller machine, night depository, safe deposit boxes, direct deposit, automated payroll services, electronic funds transfers, online banking, and other customary banking services. It invests in the U.S. treasury and agency issues; mortgage-backed securities; and in state, county, and municipal obligations, as well as in other equity investments. The bank operated 18 branch offices and 2 agricultural credit centers, as of February 10, 2005. Sierra Bancorp has a strategic alliance with Investment Centers of America, Inc. to provide nondeposit investment options. Sierra Bancorp is headquartered in Porterville, California.
FIRST BUSEY CORPORATION (BUSE)
First Busey Corporation, through its subsidiaries, offers various banking products and services to individual, business, institutional, and governmental customers in the United States. It accepts demand, savings, time, and certificates of deposit; as well as originates commercial, financial, agricultural, real estate, individual, consumer, installment, and first mortgage and second mortgage loans. The company also offers money transfers, safe deposit, IRA, Keogh, and other fiduciary services, and automated banking and automated fund transfers. In addition, it provides trust and investment management services, including estate and financial planning, tax preparation, custody, philanthropic advisory, securities brokerage, and individual investment advisory services; and personal insurance products and services. First Busey also owns and manages a hotel property and two other real estate properties. The company invests in U.S. treasury securities; obligations of U.S. government corporations and agencies; mutual funds; and mortgage-backed, corporate debt, and other equity securities. As of December 31, 2004, First Busey operated through 26 locations, including 22 in Illinois; 1 in Indiana; and 3 in Florida. First Busey was organized in 1868 and is headquartered in Urbana, Illinois.
BancorpSouth, Inc. operates as the bank holding company for BancorpSouth Bank that provides various commercial banking and trust services in Mississippi, Tennessee, Alabama, Arkansas, Texas, and Louisiana. Its depository products include demand, savings, and time deposits. The bank offers a range of commercial loan services, including term loans, lines of credit, equipment and receivable financing, and agricultural loans. BancorpSouth Bank also originates fixed and adjustable rate residential mortgage loans secured by owner-occupied property, as well as offers loans for automobiles, recreation vehicles, boats, personal, and deposit account secured loans. In addition, the bank provides personal trust and estate services, certain employee benefit accounts and plans, and limited corporate trust functions. Further, it serves as an agent in the sale of title insurance; commercial lines of insurance; and a line of property and casualty, life, health, and employee benefits products and services. Additionally, the bank offers brokerage, investment advisory, and asset management services. As of July 21, 2005, it operated approximately 250 locations. BancorpSouth, Inc. is headquartered in Tupelo, Mississippi.
Citigroup, Inc., a holding company, provides a range of financial services to consumer and corporate customers worldwide. It operates through four segments: Global Consumer, Corporate and Investment Banking, Global Wealth Management, Alternative Investment. Global Consumer segment provides a range of banking, lending, insurance, and investment services through a network of local branches; offices; and electronic delivery systems, including automated teller machines, automated lending machines, and Internet. As of September 30, 2005, this segment maintained 2,705 offices in North America, and 1,759 sales points in Japan. Corporate and Investment Banking segment provides a range of investment and commercial banking services and products, including debt and equity trading, institutional brokerage, advisory services, foreign exchange, structured products, derivatives, and lending. This segment also offers cash management and trade finance for corporations and financial institutions; custody and fund services to investors; clearing services to intermediaries, such as broker and dealers; and depository and agency/trust services to multinational corporations and governments. Global Wealth Management segment provides wealth management services to high-net-worth and affluent clients; investment advice, financial planning, and brokerage services to small and mid-size companies and others; and asset management services. This segment also provides investment management services, which include investment funds management and capital markets solutions, as well as provides trust, fiduciary, and custody services; investment finance services, such as credit services, including real estate financing, commitments, and letters of credit. Alternative Investment segment manages a range of products across five asset classes, including private equity, hedge funds, real estate, structured products, and managed futures. Citigroup was founded in 1812 and is based in New York City.
CAMDEN NATIONAL CORPORATION (CAC)
Camden National Corporation operates as the holding company for Camden National Bank and UnitedKingfield Bank that provide commercial banking services in Maine. The banks engage in generating deposits and originating loans. Its deposit products include negotiable order of withdrawal accounts, savings accounts, money market accounts, certificates of deposit, and broker certificates of deposit. The banks' loan portfolio comprises residential mortgage, commercial business, commercial real estate, and consumer loans. They also provide brokerage and insurance services, as well as offer wealth management, trust, and employee benefit administration services. The banks primarily invest in the obligations of the U.S. treasury and agency, mortgage-backed securities, state and political subdivisions, and other securities. As of December 31, 2004, they operated 28 facilities. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.
Cascade Bancorp operates as the holding company for Bank of the Cascades that provides commercial and retail banking services. It provides consumer and business deposit services, including checking, money market, and time deposit accounts, as well as related payment services, Internet banking, and electronic bill payment. The bank provides commercial real estate loans, real estate construction and development loans, commercial and industrial loans, as well as consumer installment, lines-of-credit, credit card, and home equity loans. It serves small-to medium-sized businesses, municipalities and public organizations, professional, and consumer relationships. It also originates and sells residential mortgage loans on the secondary market, and offers trust and investment services. Its investment portfolio comprises of the U.S. agency mortgage-backed securities, U.S. government and agency securities, obligations of state and political subdivisions, mutual fund, and equity securities. As of December 31, 2004, the bank operated 21 branches serving the communities in Central Oregon, Salem/Keizer, Southern Oregon, and Portland. Cascade Bancorp was founded in 1977 and is headquartered in Bend, Oregon.
CAMCO FINANCIAL CORPORATION (CAFI)
Camco Financial Corporation operates as the holding company for Advantage Bank and Camco Title Insurance Agency, Inc., which provide financial services in Ohio, Kentucky, and West Virginia. Advantage Bank offers various deposit products, including interest bearing and noninterest bearing checking accounts, money market deposit accounts, regular savings accounts, term certificate accounts, and retirement savings plans. Its primary lending activities include the origination of fixed rate and variable rate mortgage loans for the acquisition, construction, or refinancing of single family homes. The bank primarily invests in the U.S. Government agency obligations, municipal bonds, and mortgage-backed securities. The company also originates construction and permanent mortgage loans on condominiums; and two to four family, multifamily, and nonresidential properties. In addition to mortgage lending, it offers various consumer and commercial loans. As of August 18, 2005, the bank operated 30 offices in Ohio, Kentucky, and West Virginia. Camco Financial Corporation was organized in 1970 and is headquartered in Cambridge, 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.
CASS INFORMATION SYSTEMS INC (CASS)
Cass Information Systems, Inc. provides payment and information processing services to the manufacturing, distribution, and retail enterprises in the United States. The company provides freight invoice rating, payment, audit, cost accounting, and transportation information to companies. Cass Information Systems operates through three segments: Information Services, Banking Services, and Government Software Services. The Information Services segment provides freight, utility, and telecommunication invoice processing and payment services to corporations. The Banking Services segment provides banking services primarily to privately-held businesses and churches. The Government Software Services segment provides integrated financial, property, and human resource management systems to cities, counties, and other public entities. The company, formerly known as Cass Commercial Corporation, was founded in 1906. It changed its name to Cass Information Systems, Inc. in 2001. Cass Information Systems is headquartered in Bridgeton, Missouri.
CATHAY GENERAL BANCORP (CATY)
Cathay General Bancorp operates as the holding company for Cathay Bank that offers a range of financial services for individuals, professionals, and small to medium-sized businesses primarily in the United States. The bank accepts various deposit products, including passbook accounts, checking accounts, money market deposit accounts, certificates of deposit, individual retirement accounts, college certificates of deposit, and public funds deposits. Its lending activities comprise residential mortgage loans, commercial mortgage loans, construction loans, home equity lines of credit, commercial loans, trade financing loans, and small business administration loans, as well as installment loans to individuals for automobile, household, and other consumer expenditures. The bank's services also include letters of credit, wire transfers, forward currency spot and forward contracts, traveler's checks, safe deposit, night deposit, social security payment deposit, collection, bank-by-mail, drive-up and walk-up windows, automatic teller machines, Internet banking services, and other customary bank services. It invests in the U.S. treasury securities, U.S. government agency securities, state and municipal securities, mortgage-backed securities, asset-backed securities, corporate bonds, and venture capital investments. As of September 30, 2005, Cathay Bank operated 29 branches in; 1 branch in Washington State; 4 branches in New York State; 1 branch in Massachusetts; 1 branch in Houston, Texas; and representative offices in Taipei, Hong Kong, and Shanghai. Cathay General Bancorp is based in Los Angeles, California.
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.
Columbia Bancorp operates as the holding company for Columbia River Bank that offers various financial products and services. The company operates Community Banking and Mortgage Banking segments. Community Banking segment offers a range of deposit products, including noninterest bearing and interest bearing demand accounts, savings accounts, money market accounts, and certificates of deposit; loan products, such as secured and unsecured personal loans, home equity loans, personal lines of credit, and various installment loans; and other financial services comprising stocks, mutual funds, traditional and individual retirement accounts, self-employed pension accounts, tax-sheltered annuities, life insurance, and health insurance. This segment also offers Internet banking, telephone banking, and automated teller machine services. Mortgage Banking segment provides loans for single-family owner occupied homes, construction to permanent financing packages, reverse mortgages, and mortgages for vacation and rental homes. As of July 27, 2005, the company operated 20 branch facilities in Oregon. Columbia Bancorp is based in the Dalles, Oregon.
CAPITAL BANK CORPORATION (CBKN)
Capital Bank Corporation operates as the holding company for Capital Bank (bank). The bank provides commercial banking services to individuals and small to medium-size businesses in North Carolina. It offers a range of banking services, including checking accounts; savings accounts; NOW accounts; money market accounts; certificates of deposit; loans for real estate, construction, businesses, agriculture, personal uses, home improvement, and automobiles; equity lines of credit; credit loans; consumer loans; credit cards; individual retirement accounts; and safe deposit boxes. The bank also provides bank money orders; Internet banking; electronic funds transfer services, including wire transfers; traveler's checks; and various investments, as well as noninsured investment products and services to its customers. In addition, it invests in debt securities issued by U.S. government agencies and securities issued by Fannie Mae and Freddie Mac. As of June 30, 2005, the bank operated 21 banking offices in Raleigh, Sanford, Burlington, Asheville, Cary, Morrisville, Oxford, Wake Forest, Hickory, Greensboro, Graham, Pittsboro, and Siler City, North Carolina. The company is headquartered in Raleigh, North Carolina.
COMMERCE BANCSHARES INC (CBSH)
Commerce Bancshares, Inc. (CBI), a bank holding company, primarily provides various financial services throughout Missouri, Illinois, and Kansas. The bank offers a range of retail, corporate, investment, and private banking products and services to individuals and businesses. It operates in three segments: Consumer, Commercial, and Money Management. The Consumer segment includes the retail branch network, consumer installment lending, personal mortgage banking, bank card activities, student lending, and discount brokerage services. It provides services through a network of 187 branches, as well as through the use of alternative delivery channels, such as online banking and telephone banking services. The Commercial segment provides an array of corporate lending, leasing, and international services, as well as business and government deposit, and cash management services. The Money Management segment provides trust and estate tax planning services, and advisory and discretionary investment portfolio management services. This segment also manages the CBI's family of proprietary mutual funds, which are available for sale to both trust and general retail customers. The bank also owns, directly or through its banking subsidiaries, various nonbanking subsidiaries. These nonbanking subsidiaries engage in owning of real estate leased to the CBI's banking subsidiaries; underwriting credit life and credit accident, and health insurance; selling property and casualty insurance; venture capital investment; and providing security brokerage, mortgage banking, and leasing services. CBI invests primarily in U.S. government and federal agency securities, and in mortgage and asset-backed securities. Commerce Bancshares was incorporated in 1966 and is based in Kansas City, Missouri.
COMMUNITY BANK SYSTEM INC (CBU)
Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that offers various banking and financial services to the retail, commercial, and municipal customers. The bank offers various deposit products comprising checking, savings, negotiable order of withdrawal, time, and money market deposits. Its loan portfolio primarily includes consumer loans, home equity loans, and student loans. The bank also offers various financial services that consist of investment, asset management, and trust services. In addition, it offers debit and credit cards, savings bonds, and safety deposit box, as well as provides online banking services. As of July 25, 2005, it operated approximately 130 customer facilities in upstate New York and northeastern Pennsylvania. Community Bank System, Inc. is based in DeWitt, New York.
CAPITAL CITY BANK GROUP (CCBG)
Capital City Bank Group, Inc. operates as the bank holding company for Capital City Bank, which provides various commercial and retail banking services in Florida, Georgia, and Alabama. The bank accepts demand, savings, and time deposits; extends credit; and originates residential mortgage loans. Its consumer banking services comprise checking accounts, savings programs, automated teller machines, overdraft facilities, debit/credit cards, night deposit services, safe deposit facilities, and PC/Internet banking. The bank provides loans and financing services for commercial business properties, equipment, inventories, and accounts receivable, as well as offers commercial leasing, letters of credit, treasury management services, and merchant credit card transaction processing. In addition, Capital City Bank provides trust and asset management services, as well as brokerage services. It serves principally corporate and individual customers, governmental entities, and correspondent banks. As of July 26, 2005, the bank operated 68 banking offices, 6 mortgage lending offices, 79 ATMs, and 11 Bank ‘N Shop locations in Florida, Georgia, and Alabama. Capital City Bank Group is headquartered in Tallahassee, Florida.
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.
CF INDUSTRIES HOLDINGS INC (CF)
CF Industries Holdings, Inc. engages in the manufacture and distribution of nitrogen and phosphate fertilizer products in North America. The company operates in two segments, Nitrogen Fertilizer and Phosphate Fertilizer. The Nitrogen Fertilizer segment offers ammonia, urea, urea ammonium nitrate solutions, and various nitrogen fertilizers. The Phosphate Fertilizer segment offers diammonium phosphate and monoammonium phosphate used in agricultural fertilizer applications. The company's customers include cooperatives and independent fertilizer distributors located in the grain-producing states of the Midwestern United States. CF Industries Holdings was founded in 1946 and is headquartered in Deerfield, Illinois.
CAPITOL FEDERAL FINANCIAL (CFFN)
Capitol Federal Financial operates as the holding company for Capitol Federal Savings Bank, which offers a line of banking services in the Kansas. The bank's principal business consists of attracting deposits from the general public and investing those funds primarily in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences. Its deposit products include checking, savings, money market accounts, certificates of deposit, and retirement accounts. The bank also originates consumer loans, loans secured by first mortgages on nonowner occupied one- to four-family residences, permanent and construction loans secured by commercial real estate, and multifamily real estate loans. In addition, Capitol Federal Savings purchases one- to four-family residential mortgage loans from nationwide lenders and correspondent lenders located within its Kansas City and Wichita market areas. The bank operates through a network of 37 branches. It serves primarily the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia, and Salina, as well as a portion of the metropolitan area of greater Kansas City. Capitol Federal Financial was founded in 1893 and is headquartered in Topeka, Kansas.
CARDINAL FINANCIAL CORPORATION (CFNL)
Cardinal Financial Corporation, a holding company, provides banking and financial products and services to retail and business customers in northern Virginia and the greater Washington, D.C. metropolitan area. The company operates through three segments: Commercial Banking, Investment Services, and Mortgage Banking. The Commercial Banking segment provides commercial loans, real estate loans, and other business financing and consumer loans. It also offers deposit products, including demand deposit accounts, savings accounts, and certificate of deposit. The Investment Services segment provides advisory services to businesses and individuals, including estate planning, qualified retirement plans, mutual funds, annuities, life insurance, fixed income, and equity securities and equity research. The Mortgage Banking segment engages primarily in the origination and acquisition of residential mortgages for sale into the secondary market. The company was formed in 1997 and is based in McLean, Virginia. Cardinal Financial Corporation acquired Wilson/Bennett Capital Management, Inc., an asset management firm, in June 2005.
CULLEN/FROST BANKERS INC (CFR)
Cullen/ Frost Bankers, Inc. (CFB), a financial holding company, provides a range of banking and financial services to consumer and commercial customers. Its commercial banking business offers financing for industrial and commercial properties; interim construction related to industrial and commercial properties; equipment, inventories, and accounts receivable; and acquisition financing, as well as commercial leasing and treasury management services. The company's consumer services include checking accounts, savings programs, automated teller machines, overdraft facilities, installment and real estate loans, home equity loans and lines of credit, drive-in and night deposit services, safe deposit facilities, and brokerage services. Further, it offers correspondent banking services; trust, investment, agency, and custodial services; fixed-income security services; corporate and personal property and casualty insurance products, and group health and life insurance products; securities brokerage services; advisory and private equity services; and general insurance agency services. CFB offers its services to energy, services, retail, manufacturing, construction, telecommunications, healthcare, military, logistics, and transportation industries. As of January 31, 2005, it operated 78 financial centers in Austin, Boerne, Corpus Christi, Dallas, Fort Worth, Galveston, Harlingen, Houston, McAllen, New Braunfels, San Antonio, and San Marcos, Texas. The company was founded in 1868 and is headquartered in San Antonio, Texas.
CITY HOLDING COMPANY (CHCO)
City Holding Company operates as the bank holding company for City National Bank of West Virginia that provides various financial products and services in West Virginia and Ohio. The bank offers various deposit accounts that include checking, certificate of deposits, and retirement accounts. Its loan portfolio comprises home equity, mortgage, personal, auto, and installment loans. The bank also offers various financial services, such as trust services, corporate cash management, and other services. In addition, it offers credit and debit cards, as well as provides automated teller machines, online banking, and telebanking services. Further, it provides various insurance products and services. As of July 20, 2005, the bank operated 67 branch offices. City Holding is headquartered in Charleston, West Virginia. City Holding Company acquired Classic Bancshares, Inc. in April 2005.
CHEMICAL FINANCIAL CORPORATION (CHFC)
Chemical Financial Corporation operates as a multibank holding company that offers commercial banking services in Michigan. Its primary subsidiaries include Chemical Bank and Trust Company, Chemical Bank Shoreline, and Chemical Bank West. The company provides personal checking accounts, savings and individual retirement accounts, time deposit instruments, and electronically accessed banking products. It also offers residential and commercial real estate financing, commercial lending, consumer financing, debit cards, safe deposit services, access to insurance and investment products, money transfer services, corporate and personal trust services, and other banking services. In addition, the company's other insurance subsidiary, CFC Financial Services, Inc., provides mutual funds and annuity products; and through CFC Title Services, Inc. issues title insurance to buyers and sellers of residential and commercial mortgage properties, including properties subject to loan refinancing. As of December 31, 2004, Chemical Financial Corporation and its subsidiaries operated 132 banking offices and 1 loan production office in 32 counties in the lower peninsula of Michigan. The company is headquartered in Midland, Michigan.
CFS Bancorp, Inc. operates as the holding company for Citizens Financial Services, FSB that provides commercial banking services in Indiana and Illinois. The bank engages in generating deposits and originating loans. Its deposit products include checking, money market, statement and passbook savings, and term certificate accounts. The bank's loan portfolio comprises commercial real estate, construction and land development, and commercial and industrial loans, as well as single-family residential mortgage loans, home equity loans, and lines of credit. It also provides trust services. The bank primarily invests in obligations of the U.S. Treasury, federal agencies, and government sponsored entities. As of December 31, 2004, it operated 24 branches in Lake and Porter Counties in northwest Indiana, and in Cook, DuPage, and Will Counties in Illinois. The company was formed in 1934 and is headquartered in Munster, Indiana.
COMERICA INCORPORATED (CMA)
Comerica Incorporated and its subsidiaries operate as a financial services company in the United States, Canada, and Hong Kong. The company operates in three segments: the Business Bank, Small Business and Personal Financial Services, and Wealth and Institutional Management. The Business Bank segment comprises middle market, commercial real estate, national dealer services, global finance, corporate, leasing, financial services group, and technology and life sciences. It offers commercial loans and lines of credit, deposits, cash management, capital market products, international trade finance, letters of credit, foreign exchange management services, and loan syndication services. This segment serves medium-size businesses, multinational corporations, and governmental entities. The Small Business and Personal Financial Services segment offers small business banking; and personal financial services, such as consumer lending, consumer deposit gathering, and mortgage loan origination. It also provides deposit accounts, installment loans, credit cards, student loans, home equity lines of credit, and residential mortgage loans. The Wealth and Institutional Management segment provides products and services consisting of personal trust, private lending, institutional trust, retirement services, investment management and advisory services, investment banking, and discount securities brokerage services. It also sells mutual fund and annuity products, as well as life, disability, and long-term care insurance products. As of December 31, 2004, Comerica, through its banking affiliates, operated a total of 435 banking branches, trust services locations, and loan production or other financial services offices, primarily in the States of Michigan, California, Texas and Florida. The company was founded in 1849 and is headquartered in Detroit, Michigan.
CENTER BANCORP INC (CNBC)
Center Bancorp, Inc. operates as the bank holding company for Union Center National Bank that provides commercial banking services in New Jersey. The bank engages in generating deposits and originating loans. It offers various deposits products, including demand deposits, savings accounts, and time deposits. The bank's lending services include short and medium term loans, lines of credit, letters of credit, working capital loans, real estate construction loans, and mortgage loans. In addition, it offers collection services, wire transfers, night depository, and lock box services. Further, the bank deals in the U.S. treasury and U.S. governmental agency securities, certificates of deposits, commercial paper, and repurchase agreements. The bank primarily invests in obligations of the U.S. treasury and government agencies, obligations of states and political subdivisions, other securities Federal Reserve and Federal Home Loan Bank Stock. As of July 28, 2005, Union Center National Bank operated 13 banking centers located in Union Township, Berkeley Heights, Madison, Millburn/Vauxhall, Morristown, Springfield, and Summit, New Jersey. Center Bancorp is headquartered in Union, New Jersey.
CENTURY BANCORP INC (CNBKA)
Century Bancorp, Inc. operates as the holding company for Century Bank and Trust Company, which provides various banking services in Massachusetts. The bank accepts demand deposits, savings and NOW deposits, money market accounts, and time deposits. It also offers single and multifamily residential loans, commercial and commercial real estate loans, construction loans, home equity lines, and various consumer loans. In addition, the bank provides automated lock box collection services, cash management services and account reconciliation services; securities brokerage and investment services; transaction processing and short term financing to municipalities; and financial advisory services and related securities credit services. It offers its products and services to commercial enterprises, state and local governments and agencies, nonprofit organizations, and individuals. The bank's investment portfolio comprises U.S. government and agencies securities, Obligations of states and political subdivisions, and mortgage-backed securities. As of September 30, 2005, the bank operated 23 banking offices in 16 cities and towns in Massachusetts. The company was formed in 1969 and is headquartered in Medford, Massachusetts.
COBIZ FINANCIAL INC (COBZ)
CoBiz, Inc., through its subsidiaries, offers financial service products to small and medium-sized businesses, and high-net-worth individuals. It offers commercial banking services, such as treasury management, private banking, Internet banking, lockbox, and courier services, as well as deposit products, such as certificates of deposit, savings accounts, money market accounts, checking and negotiable order of withdrawal accounts, and individual retirement accounts. The company provides commercial loans, commercial and residential real estate construction loans, commercial and residential real estate mortgage loans, consumer loans, revolving lines of credit, and equipment lease financing. CoBiz also offers investment management services, such as merger and acquisition advisory services, institutional private placements of debt and equity, and strategic financial services to institutions and individuals; and wealth transfer, employee and executive benefits consulting, commercial and personal property insurance brokerage, casualty insurance brokerage, and related administrative support to employers. In addition, it provides trust and advisory services, such as asset management, fiduciary, and estate planning and administration services. The company invests in U.S. Treasury and U.S. Government agency-backed securities; mortgage-backed securities; trust preferred securities; state, municipal, and government bonds; and Federal Reserve and FHLB stock. It offers banking services from eight locations in the Denver, Colorado metropolitan area; two in Boulder, Colorado; one in Edwards, Colorado; and seven in the Phoenix, Arizona metropolitan area. CoBiz was incorporated in 1980 and is headquartered in Denver, Colorado.
COLUMBIA BANKING SYSTEM INC (COLB)
Columbia Banking System, Inc. (CBSI) operates as the holding for Columbia State Bank and Bank of Astoria, which provide various banking services primarily in western Washington and the northern Oregon coastal area. The company offers commercial and retail banking, and real estate lending services to small and medium-sized businesses, professionals, and other individuals. Its deposit products include interest and noninterest bearing demand deposit accounts, money market accounts, checking accounts, savings accounts, and certificates of deposit. CBSI originates commercial business and real estate loans, consumer loans, and real estate construction loans. Its consumer loans include automobile loans, boat and recreational vehicle financing, home equity and home improvement loans, and other personal loans. CBSI also offers commercial and industrial lending, private banking, cash management, and international, merchant, and investment services. Its international banking products and services include foreign trade financing, foreign currency exchange, documentary collections, foreign currency banknotes, foreign wire transfers, foreign currency drafts, foreign cash letters, import/export commercial letters of credit, time credits, and standby letters of credit. CBSI's investment services offers various products, such as variable annuities, mutual funds, stocks and bonds, individual retirement accounts, retirement and education planning, tax-favored investments, pension and 401(k) services, commercial paper, treasury securities, the U.S. government securities, and unit investment trusts. In addition, the company provides online banking and mortgage banking services. It primarily invests in mortgage-backed securities, collateralized mortgage obligations, state and municipal securities, and the U.S. government agency securities. As of December 31, 2004, the company had 39 branch offices. CBSI is headquartered in Tacoma, Washington.
CENTERSTATE BANKS OF FLORIDA INC (CSFL)
Centerstate Banks of Florida, Inc. operates as the holding company for First National Bank of Osceola County, First National Bank of Polk County, Community National Bank of Pasco County, and CenterState Bank of Florida, which provide various consumer and commercial banking services. The company accepts savings accounts, demand accounts, NOW accounts, and money market deposit accounts, as well as time deposits. It offers real estate loans that include loans to individuals and businesses for the purchase, improvement of, or investment in real estate, as well as for the construction of single-family residential units or the development of single-family residential building lots; commercial loans, such as loans to individuals and small-to-medium sized businesses for working capital, equipment purchases, and various other business purposes; consumer loans; and letters of credit. Centerstate Banks of Florida also provides safe deposit services, cash management, direct deposits, notary services, money orders, night depository, travelers' checks, cashier's checks, domestic collections, savings bonds, bank drafts, automated teller services, drive-in tellers, banking by mail, and trust services. Further, it offers other financial products, including mutual funds, annuities, and other products. The company provides its services to individuals, businesses, and industries primarily in Osceola, Orange, Pasco, Hernando, Citrus, and Polk Counties of the state of Florida, as well as portions of adjacent counties. Centerstate Banks of Florida' investment portfolio comprises U.S. Treasury securities, obligations of U.S. government agencies, mortgage-backed securities, and obligations of state and political subdivisions. The company was founded in 1989 and is based in Winter Haven, Florida.
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.
COMMUNITY TRUST BANCORP INC (CTBI)
Community Trust Bancorp, Inc. operates as the bank holding company for Community Trust Bank, Inc. and Community Trust and Investment Company, which provide commercial and personal banking, and trust services primarily in Kentucky. The company's deposit services comprise time and demand deposits, savings accounts, NOW accounts, and certificates of deposit. It makes various loans, including consumer loans, real estate loans, mortgage and personal loans, construction loans, lease financing, term loans, and commercial loans. In addition, the company offers cash management services, letters of credit, safe deposit boxes, and funds transfer services. Community Trust Bancorp also acts as trustee of personal trusts; executor of estates; trustee for employee benefit trusts; registrar, transfer agent, and paying agent for bond and stock issues; depository for securities; and provider of full service brokerage operations. It invests in the U.S. Treasury and government agencies, state and political subdivisions, collateralized mortgage obligations, other debt and equity securities. As of June 30, 2005, the company operated 79 banking locations in eastern, northeast, central, and south central Kentucky, and southern West Virginia; and 2 loan production offices and 5 trust offices in Kentucky. Community Trust Bancorp is headquartered in Pikeville, Kentucky.
City Bank engages in general commercial and retail Banking. The bank's loan portfolio includes commercial loans, construction loans, consumer loans, and real estate loans. Its deposit products include noninterest bearing demand deposits, interest bearing demand deposits, savings deposits, and time deposits. Other services include certificates of deposit, individual retirement accounts, safe deposit, ATM's, online banking, and other consumer and business-related services. City Bank also provides merchant card processing services for eight northwest community banks. The bank invests in U. S. agencies, municipal bonds, and equity securities. City Bank was organized in 1973 and is headquartered in Lynnwood, Washington.
CITIZENS FIRST BANCORP INC (CTZN)
Citizens First Bancorp, Inc. operates as the holding company for Citizens First Savings Bank and Metrobank, which provide commercial banking services primarily in Michigan. The company accepts savings, checking, NOW, and money market accounts; individual retirement accounts; and certificates of deposit. It also offers one- to four-family residential mortgage loans, commercial and multifamily real estate loans, residential construction loans, home equity and lines of credit, commercial loans, and consumer loans. In addition, Citizens First Bancorp provides fiduciary services, insurance services, and trust and investment services to individuals, partnerships, businesses, corporations, and institutions. It invests in U.S. Treasury securities, obligations of U.S. government corporations and agencies, obligations of state and political subdivisions, corporate debt securities, and mortgage-backed securities. As of December 31, 2004, the company operated 20 banking offices located in Port Huron, St. Clair, Sanilac, Huron, Lapeer, and northern Macomb counties, Michigan. Citizens First Bancorp was founded in 1938 and is headquartered in Port Huron, Michigan.
CVB FINANCIAL CORPORATION (CVBF)
CVB Financial Corp., through its principal subsidiary, Citizens Business Bank (bank), offers retail banking and financial services to small to mid-sized businesses and individuals in the United States. The bank offers checking, savings, money market, and time certificates of deposit. It also provides commercial products, including lines of credit and other working capital financing, accounts receivable lending, and letters of credit; agribusiness loans to wholesale dairy farm operations, cattle feeders, livestock raisers, and farmers; consumer financial products, including automobile leasing and financing, lines of credit, and home improvement and home equity lines of credit; and real estate loans, including mortgage and construction loans. The bank also offers lease financing for municipal governments. In addition, it provides cash management systems for monitoring cash flow, a credit card program for merchants, courier pick-up and delivery, payroll services, electronic funds transfers by way of domestic and international wires and automated clearinghouse, and online account access; and serves as a federal tax depository for its business customers. Further, the bank offers financial and trust services, including fiduciary services, mutual funds, annuities, 401K plans, and individual investment accounts. The company, through its other subsidiary, Community Trust Deed Services, offers services, such as preparing and filing notices of default, reconveyances and related documents, and acting as a trustee under deeds of trust. The company invests in U.S. Treasury Securities, mortgage-backed securities, CMO/REMIC's, government agency and government-sponsored enterprises, and municipal bonds. As of February 25, 2005, the bank operated 39 business financial centers in the Inland Empire, San Gabriel Valley, Orange County, Los Angeles County, Fresno County, Tulare County, and Kern County areas of California. CVB Financial is based in Ontario, California.
CENTRAL VIRGINIA BANKSHARES INC (CVBK)
Central Virginia Bankshares, Inc. operates as the holding company for Central Virginia Bank that provides various financial products and services to individuals and corporate customers in Virginia. The bank engages in generating deposits and originating loans. Its deposit products primarily include checking accounts, time deposits, and letter of credit. The bank's loan portfolio comprises residential and commercial mortgage, real estate construction, consumer, and commercial business loans. It primarily invests in the obligations of the U.S. Treasury and other U.S. government agency and corporations, and states and political subdivisions, as well as other securities. The bank also offers other related services, such as automated teller machines, travelers' checks, safe deposit boxes, deposit transfer, notary public, escrow, drive-in facilities and other customary banking services. In addition, it provides online and telebanking services. As of July 27, 2005, the bank operated seven offices, including one main office in Powhatan, two branches in the adjacent county of Cumberland, three branches in the western Chesterfield County, and one branch in the western Henrico County. Central Virginia Bankshares is headquartered in Powhatan, Virginia.
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.
CITY NATIONAL CORPORATION (CYN)
City National Corporation primarily operates as the bank holding company for City National Bank that provides banking, investment, and trust services in California and New York City. The bank offers various deposit products, including interest checking accounts, money market accounts, savings deposits, and time deposits. It also provides commercial loans, residential mortgages, commercial real estate mortgages, and real estate construction loans, as well as equity lines of credit. In addition, the bank offers mutual funds and investment advisory services. The bank primarily offers its products and services to small-to mid-sized businesses, entrepreneurs, professionals, and affluent individuals. Further, City National Corporation offers investment management and advisory services, and brokerage services, including portfolio management, securities trading, and asset management; personal and business trust and investment services, such as employee benefit trust services; and estate and financial planning, and custodial services. As of August 1, 2005, the bank operated 54 offices, including 12 regional centers in southern California, the San Francisco Bay Area, and New York City. City National Corporation is based in Beverly Hills, California.
Deutsche Bank Aktiengesellschaft provides corporate and investment banking, private clients, and asset management products and services worldwide. The bank operates in The Corporate and Investment Bank (CIB), and Private Clients and Asset Management (PCAM) divisions. The CIB division serves global corporations, financial institutions, and sovereign and multinational organizations by originating, selling, structuring, and trading debt, equity, foreign exchange, commodities, derivative, and money market products. It also provides services covering program trading and index arbitrage, structured equity transactions, and equity prime services. In addition, this division offers mergers and acquisition, and general corporate finance advice; leveraged debt and equity origination services; loans and structured finance to corporate and institutional clients; cash management services; trade and risk management products; and custody services in Germany, as well as trust, payment, and administration services for debt and equity securities. The PCAM division provides private wealth management services to retail, private, and institutional clients. Its portfolio/fund management products include institutional fixed income and equity; mutual funds; and alternative investments, including hedge funds, real estate, and structured products. It also offers current accounts, time deposits and savings accounts, and secured and unsecured lending products; and payments, processing, and disposition of cash and noncash payments in local currency, international payments, letter of credits, guarantees, and other cash transactions. It also offers discretionary portfolio management services, building financing, consumer loans, and insurance products, as well as issues credit cards and processes credit card payments. The bank operated from 1,576 facilities, as of September 30, 2005. Deutsche Bank was founded in 1870 and is headquartered in Frankfurt, Germany.
DIME COMMUNITY BANCSHARES INC (DCOM)
Dime Community Bancshares, Inc. operates as the holding company for Dime Savings Bank of Williamsburgh (bank), which offers various retail banking and financial services. It offers savings, money market, checking, NOW and Super NOW accounts, and certificates of deposits, as well as originates mortgage loans secured by multifamily residential apartment buildings; commercial properties; real estate construction and land acquisition; one- to four-family residences, including condominiums and cooperative apartments; passbook loans; student loans; consumer installment loans; overdraft loans; and mortgagor advances. In addition, the bank invests in mortgage-backed securities, obligations of the U.S. Government and government sponsored entities, and corporate debt and equity securities. As of December 31, 2004, it operated 20 full-service retail banking offices in Brooklyn, Queens, and the Bronx, and in Nassau County, New York. Dime Community Bancshares is headquartered in Brooklyn, New York.
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.
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.
ESB FINANCIAL CORPORATION (ESBF)
ESB Financial Corporation operates as the thrift holding company for ESB Bank that provides an array of retail and commercial financial products and services in western Pennsylvania. The bank offers various deposit services, such as regular savings, checking, money market accounts, NOW accounts, and certificate accounts. It provides various loans, such as single-family residential loans, multifamily residential mortgage loans, construction loans, commercial real estate loans, commercial business loans, and consumer loans. ESB Bank invests in the U.S. treasury obligations and securities of various federal agencies, certificates of deposit at insured banks and savings institutions, commercial paper, corporate debt securities, mutual funds, and federal funds. The bank primarily operates in Allegheny, Butler, Beaver, and Lawrence counties in western Pennsylvania. As of June 30, 2005, it operated 23 banking branches and 1 loan production office. ESB Financial is headquartered in Ellwood City, Pennsylvania.
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.
EAST WEST BANCORP INC (EWBC)
East West Bancorp, Inc. operates as the holding company for East West Bank, which provides retail and commercial banking services to individuals and businesses in California. The bank offers various deposit products to consumer and commercial customers. Its deposit products include checking accounts, savings accounts, individual retirement accounts, and time deposits, including retail fixed-rate certificates of deposits. Its lending portfolio comprises residential and commercial real estate, residential mortgage, multifamily residential real estate, construction, commercial, trade finance, account receivables, small business administration, inventory, and working capital loans. The bank also offers travelers' checks, safe deposit boxes, and Master Card and Visa merchant deposit services, as well as short-term trade finance facilities to U.S. importers and manufacturers doing business in the Asia Pacific region. It also invests in U.S. treasury securities, U.S. government agency securities, mortgage-backed securities, and corporate securities. As of June 30, 2005, the bank operated 45 offices in Los Angeles, Orange, San Francisco, Alameda, Santa Clara, and San Mateo counties, as well as a representative office in Beijing, China. The company, through its other subsidiary, East West Insurance Services, Inc., provides business and consumer insurance services. East West Bancorp was founded in 1998 and is based in San Marino, California.
FIRSTBANK CORPORATION (FBMI)
Firstbank Corporation, through its subsidiaries, offers commercial banking services in Michigan. It accepts checking, savings, and time deposits; and originates commercial, agricultural, real estate mortgage (principally single family), home improvement, automobile, and other consumer loans. In addition, the company offers trust, securities brokerage, title insurance, and real estate appraisal services. It also invests in U.S. governmental agency, securities issued by states and political subdivisions, collateralized mortgage obligations, and equity securities. As of December 31, 2004, the company operated 37 branch offices throughout central Michigan. Firstbank was founded in 1894 and is headquartered in Alma, Michigan.
First Bancorp, through its principal subsidiary, First Bank (bank), provides banking services, primarily within the central Piedmont region of North Carolina. It offers checking, savings, NOW and money market accounts, and other time deposits of various types; and loans for business, agriculture, real estate, personal uses, home improvement and automobiles; credit cards; debit cards; letters of credit; IRAs; safe deposit box rentals; bank money orders; and electronic funds transfer services, including wire transfers, automated teller machines, and bank-by-phone capabilities. The bank also provides online bill-payment and cash management services, as well as offers property and casualty insurance products. As of December 31, 2004, it operated 59 branches, of which 53 were located in North Carolina, 3 in South Carolina, and 3 in Virginia. In addition, First Bancorp invests in U.S. government agencies, mortgage-backed and equity securities, and corporate bonds. The company, formerly known as Montgomery Bancorp, was organized in 1934. It changed its name to First Bancorp in 1986. The company is headquartered in Troy, North Carolina.
First BanCorp operates as the holding company for FirstBank Puerto Rico, which provides various financial services in Puerto Rico, the U.S. Virgin Islands, and British Virgin Islands. The bank attracts various deposits, including checking accounts, savings accounts, certificates of deposit, and interest bearing and noninterest bearing accounts. It originates residential real-estate loans, commercial real-estate loans, and construction loans, as well as consumer loans that comprise personal, auto, boat, credit card, and small loans. The bank, through its subsidiaries, provides finance leases, vehicle rental, insurance products, and foreign sales corporation management services. In addition, the company offers insurance products and services through its other wholly owned subsidiary, FirstBank Insurance Agency, Inc. Further, First BanCorp invests in Puerto Rico government obligations, the U.S. treasury securities, obligations of other U.S. government agencies, mortgage-backed securities, corporate bonds, and equity securities. The company is headquartered in Santurce, Puerto Rico.
FIRST COMMUNITY BANCSHARES INC (FCBC)
First Community Bancshares, Inc. (FCBI) operates as the holding company for First Community Bank, N. A. (bank), which offers various commercial and retail banking, and financial services in West Virginia, Virginia, North Carolina, and Tennessee. The bank offers demand, savings, time, and certificates of deposit, as well as originates commercial, mortgage, and personal loans. It also provides various financial services, including wealth management, asset allocation, financial planning, and investment advice. In addition, the company offers trust management and estate administration services, such as managing inter vivos trusts and trusts under will, developing and administering employee benefit plans and individual retirement plans, and managing and settling estates. FCBI invests in U.S. government agency securities, corporate notes, mortgage-backed and equity securities. As of December 31, 2004, it operated 53 full-service banking locations, 6 loan production offices, 2 trust and investment management offices, and 51 automated teller machines. The company is headquartered in Bluefield, Virginia.
FIRST COMMONWEALTH FINANCIAL CORPORATION (FCF)
First Commonwealth Financial Corporation operates as the holding company for First Commonwealth Bank (FCB), which offers various financial services and retail banking services in western and central Pennsylvania. It attracts checking, NOW, savings, money market deposit, and certificate of deposit accounts; as well as offers mortgage, consumer, installment, and commercial loans. As of December 31, 2004, FCB operated through 103 banking facilities and a network of 105 automated teller machines. The company, through its other subsidiaries, offers personal and corporate trust services, including administration of estates and trusts; individual and corporate investment management and custody services, and employee benefit trust services. It also offers insurance and annuity products; reinsurance for credit life, credit accident, and health insurance; financial planning, asset management, and consulting services; and professional services to affiliated organizations. First Commonwealth Financial Corporation was incorporated in 1982 and is headquartered in Indiana, Pennsylvania.
FIRSTCITY FINANCIAL CORPORATION (FCFC)
FirstCity Financial Corporation, a financial services company, engages in the acquisition, management, servicing, and resolution of portfolio assets. In the portfolio asset acquisition and resolution business, it acquires and resolves portfolios of performing and nonperforming commercial and consumer loans, real estate and other assets at a discount to face value, and services and resolves such portfolios in an effort to maximize the present value of the ultimate cash recoveries. The company operates in the United States, Mexico, France, and South America. FirstCity Financial is headquartered in Waco, Texas.
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 commercial customers. The company primarily provides various products, including savings, money market accounts, and time deposits; commercial, business, and consumer lending services; trust services; wealth management; and other commercial banking services. It also underwrites and sells credit-related life insurance products, as well as offers various investment products, including annuities, discount brokerage services, and third-party mutual funds to customers. In addition, the company engages in writing property and casualty insurance. As of December 31, 2004, First Citizens operated 386 branch offices in North Carolina, Virginia, West Virginia, Florida, Georgia, Texas, Arizona, California, New Mexico, Colorado, Oregon, and Washington. The company was founded by 1893 and is based in Raleigh, North Carolina.
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 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.
FIRST FINANCIAL BANCORP (FFBC)
First Financial Bancorp (OH), through its subsidiaries, engages in commercial banking, and other banking and banking-related activities. It offers interest-bearing and noninterest-bearing deposit accounts, and time deposits deposit; as well as engages in commercial and real estate lending, consumer credit, credit card, and other personal loan financing. The company's other subsidiaries also offer safe deposit facilities and provide trust, investment advisory, brokerage, asset management, and insurance services. As of December 31, 2004, it operated 1 service center; and 106 banking offices, including 54 offices in Ohio, 47 offices in Indiana, 3 in Kentucky, and 2 in Michigan. First Financial Bancorp is headquartered in Hamilton, Ohio.
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.
FIRST FINANCIAL HOLDINGS INC (FFCH)
First Financial Holdings, Inc. offers banking and other related financial services to consumer and commercial customers. It operates in two segments, Banking and Insurance. The Banking segment engages in general banking business focusing on mortgage, consumer, and commercial lending to small and middle market businesses and consumers markets. It offers various deposit accounts, including noninterest bearing checking accounts, interest-bearing checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificate accounts. The company also offers construction, consumer, nonresidential mortgage, and commercial business loans to businesses and consumers. The Insurance segment engages in full service brokerage activities; property, casualty, life, and health insurance; third party administrative services; trust and fiduciary services; reinsurance of private mortgage insurance; finance activities; and investment activities. Its investment portfolio includes mortgage-backed securities, U.S. government and agency obligations, money market obligations, and corporate obligations. It also offers online banking, credit cards, telebanker, safe deposit box, automatic cash reserve, check card, ATM cards, and repossessions services. As of September 30, 2005, the bank operated 38 full service retail branch sales offices, nine in-store retail branch sales offices, and three limited service branches located in the Charleston, Berkeley, Dorchester, Beaufort, Georgetown, Horry, Florence, and Brunswick counties in North Carolina and South Carolina. The company was incorporated in 1987 and is headquartered in Charleston, South Carolina.
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.
FLUSHING FINANCIAL CORPORATION (FFIC)
Flushing Financial Corporation operates as the holding company for Flushing Savings Bank, FSB (bank), which offers various banking and financial services in the United States. Its deposit products include passbook, money market, demand, and NOW accounts, and certificates of deposit. The bank's loan portfolio consists primarily of mortgage loans secured by multifamily residential, commercial real estate, one-to-four family mixed-use property, and one-to-four family residential property; construction loans; small business administration loans; and consumer loans, including passbook loans and overdraft lines of credit. The bank also offers credit cards to its customers through a third party financial institution. As of December 31, 2004, it operated 10 full-service banking offices, 6 of which were located in Queens County, 2 in Nassau County, 1 in Kings County (Brooklyn), and 1 in New York County (Manhattan), New York. In addition, Flushing Financial invests primarily in U.S. government, mortgage-backed, and corporate securities. The company was organized 1929 and is headquartered in Lake Success, New York.
FIRST FINANCIAL BANKSHARES INC (FFIN)
First Financial Bankshares, Inc. operates as a holding company for First Financial Bankshares of Delaware, Inc. (bank), which offers various commercial banking services in Texas. The bank accepts checking, savings and money market, and time deposits, as well as originates commercial, financial, agricultural, real estate construction and mortgage, and consumer loans. It offers drive-in and night deposit services, automated teller machines, and safe deposit facilities, as well as transmits funds, and performs other customary commercial banking services. The bank also administers pension plans, profit sharing plans, and other employee benefit plans; estates, testamentary trusts, various types of living trusts, and agency accounts; and provides securities brokerage services, through arrangements with an unrelated third party. In addition, it offers information technology services. As of December 31, 2004, the company had 33 financial centers across Texas, with 8 locations in Abilene, 2 locations in Cleburne, 3 locations in Stephenville, 2 locations in San Angelo, 3 locations in Weatherford, and 1 location each in Mineral Wells, Hereford, Sweetwater, Eastland, Southlake, Aledo, Willow Park, Alvarado, Burleson, Keller, Trophy Club, Roby, Trent, Granbury, and Glen Rose; and 4 banking centers. First Financial Bankshares is based in Abilene, Texas.
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.
FIRST FEDERAL BANKSHARES INC (FFSX)
First Federal Bankshares, Inc. operates as the holding company for First Federal Bank, which offers traditional financial services in Iowa, Nebraska, and South Dakota. It offers various deposit products include checking, regular savings, money market deposits, term certificate accounts, and individual retirement accounts. The bank originates mortgage loans secured by one- to four-family residential properties; and loans secured by commercial real estate and multifamily units. It primarily invests in the U.S. Government and agency securities, and other securities. As of June 30, 2005, the bank operated 1 main office in Sioux City, Iowa; and 14 branch offices in northwest and central Iowa and northeast Nebraska. The company was founded in 1923 and is based in Sioux City, Iowa.
FINANCIAL INSTITUTIONS INC (FISI)
Financial Institutions, Inc., a bank holding company, provides consumer, commercial, and agricultural banking services in Western and Central New York State. The company, through four banking subsidiaries, engages in generating deposits and originating loans. Its deposit products include savings accounts, checking accounts, money market accounts, club accounts, transaction accounts, and certificates of deposit accounts, as well as individual retirement accounts. The company's loan portfolio comprises commercial and agricultural working capital, revolving lines of credit, commercial and agricultural mortgages, equipment loans, crop and livestock loans, residential mortgage loans and home equity lines of credit, home improvement loans, student loans, automobile loans, and personal loans. It invests in the U.S. treasury securities, the U.S. government agency and government sponsored agency securities, mortgage-backed securities, equity securities, and corporate bonds. As of December 31, 2004, the company operated 50 branches and 72 automated teller machines in 15 counties of western and central New York State. Financial Institutions, Inc. was founded in 1931 and is headquartered in Warsaw, New York.
FIFTH THIRD BANCORP (FITB)
Fifth Third Bancorp, a bank holding company, engages in commercial and retail banking, electronic payment processing services, and investment advisory services in the United States. The bank provides a range of financial products and services to the retail, commercial, financial, governmental, educational, and medical sectors. It offers various deposit products, including checking, savings, and money market accounts; and credit products, such as credit cards, installment loans, mortgage loans, and leasing. The bank also provides electronic fund transfers, automated teller machine (ATM) processing, electronic personal banking, merchant transaction processing, electronic bill payment, and electronic benefit transfer services to regional banks, bank holding companies, service retailers, and other financial institutions. It invests primarily in U.S Treasury and Government agencies, and mortgage-backed securities. As of September 26, 2005, the bank had 1,106 banking centers and operated 2,012 ATM's in the states of Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, and Pennsylvania. Fifth Third Bancorp was founded in 1862 and is headquartered in Cincinnati, Ohio.
FIRST MARINER BANCORP (FMAR)
First Mariner Bancorp operates as the holding company for First Mariner Bank that provides commercial, retail, and mortgage banking services in Maryland. The bank engages in generating deposits and originating loans. Its deposit products include checking, passbook, savings, money market, and negotiable order of withdrawal accounts, as well as certificates of deposit. The bank's loan portfolio comprises residential and commercial mortgage loans; real estate development and construction loans; commercial loans, including working capital loans, lines of credit, and equipment, inventory, and accounts receivable financing; consumer loans, including home equity lines of credit, fixed rate second mortgages, new and used auto loans, new and used boat loans, overdraft protection, and unsecured personal credit lines; and demand, term, and time loans. First Mariner Bank also originates and sells residential mortgage loans. In addition, the bank provides debit cards, money transfer services, nondeposit investment products, and Internet banking services and electronic bill payment services. The bank primarily invests in the obligations of treasury notes and the U.S. government agency securities, and other securities. First Mariner Bancorp, through its other subsidiaries, engages in consumer finance activities, including small direct cash loans to individuals; purchase of installment loan sales contracts from local merchants and retail dealers of consumer goods; and loans to individuals through direct mail solicitations. As of December 31, 2004, First Mariner Bank operated 24 bank branches, 14 mortgage loan offices, and 17 consumer finance offices, as well as approximately 188 automated teller machines (ATMs), which included 51 company owned ATMs. The company was formerly known as MarylandsBank Corp. and changed its name to First Mariner Bancorp in 1995. First Mariner Bancorp is headquartered in Baltimore, Maryland.
FIRST MIDWEST BANCORP INC (FMBI)
First Midwest Bancorp, Inc. operates as the holding company for First Midwest Bank (bank), which offers various commercial and retail banking, and financial services in Illinois and the metropolitan Chicago area. The bank accepts demand, savings, money market, and time deposits and NOW accounts. It offers commercial and industrial, consumer, and real estate loans; collections; trust and investment management services; cash management services; safe deposit box operations; and other banking services for consumer, commercial and industrial, and public or governmental customers. The bank also provides an electronic banking center on the Internet at www.firstmidwest.com, which enables its customers to perform banking transactions and provides information about its products and services to the general public. The company, through its other subsidiary, First Midwest Insurance Company, operates as a reinsurer of credit life, accident, and health insurance. As of August 18, 2005, it operated 67 offices located in 49 communities, primarily in northeastern Illinois. First Midwest Bancorp is headquartered in Itasca, Illinois.
FIRSTMERIT CORPORATION (FMER)
FirstMerit Corporation operates as the holding company for FirstMerit Bank. The bank provides a range of banking, fiduciary, financial, insurance, and investment services to corporate, institutional, and individual customers in northeastern and central Ohio, and western Pennsylvania. Its deposits products include demand accounts, time accounts, savings accounts, money market accounts, and certificate of deposits. The bank provides commercial and consumer loans for the financing of real and personal property. It also offers a range of specialized services, including personal and corporate trust services, personal financial services, cash management services, and international banking services. FirstMerit Bank's other services include automated banking programs, credit and debit cards, rental of safe deposit boxes, letters of credit, leasing, securities brokerage, and life insurance products. In addition, it operates a trust department, which offers estate and trust services. As of September 30, 2005, the bank operated 160 banking offices in 24 Ohio and western Pennsylvania counties. FirstMerit Bank primarily invests in the U.S. Treasury securities, the U.S. Government agency obligations, and mortgage backed securities. The company, through its other non-banking subsidiaries, provides insurance sales services, credit life, credit accident and health insurance, securities brokerage services, equipment lease financing, and other financial services. FirstMerit Corporation was formed in 1855 and is headquartered in Akron, Ohio.
FIRST M & F CORPORATION (FMFC)
First M&F Corporation operates as the holding company for Merchants and Farmers Bank of Kosciusko, which provides commercial and consumer financial services in Mississippi. The bank accepts noninterest-bearing demand deposits, NOW deposits, money market deposits, savings deposits, and certificates of deposit. It also offers commercial, financial, agricultural, nonresidential real estate, residential real estate, home equity, consumer, and other loans. In addition, the bank offers treasury management services, secured and unsecured lines of credit, insurance products, ach origination, sweep accounts, letters of credit, debit cards and automated teller machine access, an overdraft protection plan, trust services, and brokerage services. It provides its services to middle market and professional businesses. The bank's investment portfolio comprises U.S. treasury government agencies securities, mortgage-backed securities, obligations of states and political subdivisions, and other securities. First M&F Corporation was organized in 1890 and is based in Kosciusko, Mississippi.
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.
FIRST NIAGARA FINANCIAL GROUP INC (FNFG)
First Niagara Financial Group, Inc., through its wholly owned subsidiary, First Niagara Bank (bank), offers various banking and financial services to individuals and businesses in the Upstate New York. It offers consumer and commercial deposit accounts, including savings, negotiable order of withdrawal, business savings and checking, and money market accounts; and certificates of deposits. The bank originates residential and commercial real estate loans; commercial business loans and leases; home equity loans and lines of credit; and consumer loans, including indirect new and used automobile loans, mobile home loans, education loans, and personal secured and unsecured loans. It also offers risk management services, including life, auto, home, long-term care, disability, key person life, and property insurance; and general liability business insurance, including product professional and umbrella policies. The bank provides claims investigation and adjusting services, third party administration of self insured workers' compensation plans, and alternative risk management and self-insurance consulting services. It also offers wealth management services, including sale of stocks, bonds, mutual funds, annuities, and other investment products, including individual retirement accounts, education savings plans, and retirement plans, as well as offers investment advisory, trust, pension, custody, and cash management services. In addition, the bank through its subsidiaries, invests in real estate limited partnerships, as well as owns a multitenant retail shopping plaza. It invests in U.S. Government and agency securities, municipal bonds, corporate debt obligations, mortgage-backed and asset-backed securities, and corporate equity securities. As of December 31, 2004, the bank operated through 115 branches, 3 loan production offices, and 155 automated teller machines in 24 counties. The company was organized in 1870 and is based in Lockport, New York.
FIRST BANCORP INC (ME) (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.
FIRST PLACE FINANCIAL CORP (FPFC)
First Place Financial Corp. operates as the holding company for First Place Bank that offers general banking services primarily in Ohio, Michigan, Indiana, and Pennsylvania. The bank primarily engages in generating deposits and originating loans. Its deposit products include savings, retail NOW accounts, business checking accounts, money market accounts, certificate of deposit accounts, jumbo certificates, individual retirement accounts, and other qualified plan accounts. Its loan products comprise one-to four-family residential mortgage, home equity, multifamily, commercial real estate, and construction loans. The bank primarily invests in U.S. government agencies and other government sponsored enterprises, obligations of states and political subdivisions, equity securities, trust preferred securities and corporate debt, mutual funds, and Fannie Mae and Freddie Mac preferred stock. The company, through other subsidiaries, offers property, casualty, health, and life insurance products. It also offers residential and commercial real estate brokerage, real estate title, employee benefit consulting, and wealth management services to businesses and consumers. As of June 30, 2005, the bank operated 21 retail locations in Trumbull, Mahoning and Portage counties; 2 business financial centers in Cuyahoga County in Northeast Ohio; 5 retail locations located in southeastern Michigan, metropolitan area; 10 loan production offices in Ohio; 4 offices in Michigan; and 1 office in Indiana. The company was organized in 1922 and is headquartered in Warren, Ohio.
REPUBLIC FIRST BANCORP INC (FRBK)
Republic First Bancorp, Inc. operates as a holding company for Republic First Bank (bank), which offers various banking services to individuals and businesses in the Greater Philadelphia and South Jersey. It offers noninterest and interest-bearing demand, money market, savings, and time deposits. The bank's loan portfolio consists of secured and unsecured commercial loans, including commercial real estate, construction loans, residential mortgages, automobile loans, home improvement, loans, home equity loans and lines of credit, and overdraft lines of credit. Its investment portfolio comprises U.S. Government debt, U.S. Government agency, trust preferred, and federal home loan bank securities; and corporate bonds. As of October 20, 2005, it provided services through its 11 offices located in Abington, Ardmore, Bala Cynwyd, East Norriton, Media, and Philadelphia, Pennsylvania. Republic First Bancorp is based in Philadelphia, Pennsylvania.
FIRST MERCHANTS CORPORATION (FRME)
First Merchants Corporation, through its subsidiaries, offers commercial and community banking services. It accepts NOW accounts, money market deposit accounts, savings deposits, certificates, and other time deposits. The banks also offer commercial and industrial loans; agricultural production financing and other loans; real estate loans, including construction, commercial and farmland, and residential loans; individuals' loans for household and other personal expenditures; tax-exempt loans; lease financing; and other loans. It also offers safe deposit facilities; personal and corporate trust services; brokerage; and other corporate services, letters of credit, and repurchases agreements. The banks also offer its services through automated teller machines, check cards, interactive voice response systems, and internet technology. In addition, the company offers property, casualty, personal lines, healthcare insurance, title insurance, reinsurance, and trust and asset management services. It invests primarily in the U.S. treasury, federal agencies, state and municipal, marketable equity securities, mortgage-backed securities, and other asset-backed securities. As of September 30, 2005, it operated 9 affiliate banks with approximately 65 locations in 17 Indiana and 3 Ohio counties. First Merchants was founded in 1893 and is headquartered in Muncie, Indiana.
FIRST SOUTH BANCORP INC (FSBK)
First South Bancorp, Inc. operates as the holding company for First South Bank that provides commercial banking services in North Carolina. The bank engages in generating deposits and originating loans. Its deposit products include checking accounts, money market accounts, statement and passbook savings accounts, individual retirement accounts, and certificates of deposit. First South Bank's loan portfolio comprises residential mortgage loans that include single-family residential, multifamily residential, and construction loans; commercial loans encompassing commercial real estate, commercial business, and lease receivable loans; consumer loans, which consists of automobile, savings account, and home equity loans; and loans secured by first mortgages on owner-occupied, single-family residences. It primarily invests in the U.S. government and agency securities, and mortgage-backed securities. First South Bancorp was founded in 1959 and is based in Washington, North Carolina.
FIRST STATE BANCORPORATION (FSNM)
First State Bancorporation operates as the holding company for First State Bank (bank), which provides various financial services to commercial and individual customers in New Mexico, Colorado, and Utah. The bank offers checking, demand, money market and regular savings accounts, and certificates of deposit. It also provides short and medium term, residential mortgage, installment, personal, and commercial construction loans; revolving credit facilities; inventory and accounts receivable financing; equipment financing; safe deposit services; and credit cards. As of December 31, 2004, the bank operated 30 branch offices, including 24 in New Mexico, 5 in Colorado, and 1 in Utah. The company invests in U.S. Treasury and government agency, mortgage-backed, obligations of states and political subdivisions, and other securities. First State Bancorporation was founded in 1922 and is headquartered in Albuquerque, New Mexico.
FRONTIER FINANCIAL CORPORATION (FTBK)
Frontier Financial Corporation operates as the holding company for Frontier Bank, which engages in accepting deposits and making loans in Washington. Its deposit products include savings accounts, checking accounts, negotiable order of withdrawal, money market accounts, sweep accounts, savings, time deposits, and certificates of deposit. Its loan portfolio consists of loans secured by real estate, commercial and agriculture loans, consumer installment loans, and bankcard loans. The bank primarily invests in U.S. Treasuries, U.S. agencies, municipal bonds, corporate bonds, equities, and certificate of deposits. As of September 30, 2005, the bank operated 41 banking offices in Clallam, Jefferson, King, Kitsap, Pierce, Skagit, Snohomish, and Whatcom Counties. The company was founded in 1978 and is headquartered in Everett, Washington.
FULTON FINANCIAL CORPORATION (FULT)
Fulton Financial Corporation operates as a holding company, which offers various retail and commercial banking and financial services to businesses and consumers in Pennsylvania, Maryland, New Jersey, Delaware, and Virginia. The banks offer checking and savings products, certificates of deposits, and individual retirement accounts; as well as offers secured loan products, including home equity loans and lines of credit; fixed and variable-rate products, including construction loans and jumbo loans; Residential mortgages; and consumer loan products, including automobile loans, automobile and equipment leases, credit cards, personal lines of credit, and checking account overdraft protection. Through its financial services subsidiaries, the corporation offers credit life and accident reinsurance, health insurance, investment management, trust, brokerage, and investment advisory services. Fulton Financial Corporation invests in U.S. Government and agency, state and municipal, equity, corporate debt, and mortgage-backed securities. As of July 26, 2005, the company operated 232 banking offices. The Fulton Financial Corporation was incorporated in 1982 and is headquartered in Lancaster, Pennsylvania.
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.
GERMAN AMERICAN BANCORP INC (GABC)
German American Bancorp operates as the financial services holding company in Indiana. It operates five affiliated community banks with 26 retail banking offices in southwestern Indiana counties of Daviess, Dubois, Gibson, Knox, Martin, Perry, Pike, and Spencer. These banks offer demand deposits, savings, interest-bearing checking, money market accounts, and certificates of deposit, as well as originate residential mortgage, agricultural and poultry, commercial and industrial, and consumer loans. The company, through its subsidiary, German American Financial Advisors & Trust Company, provides trust, investment advisory, and securities brokerage services to customers. In addition, it has two insurance subsidiaries, which offer various personal and corporate property and casualty insurance products. German American Bancorp is based in Jasper, Indiana.
GLACIER BANCORP INC (GBCI)
Glacier Bancorp, Inc. operates as the multibank holding company, which offers various commercial banking services to individuals and corporate customers in the United States. The company, through its nine banking subsidiaries, offers regular statement savings, interest-bearing checking, NOW, money market deposit, non-interest demand accounts, individual retirement accounts, fixed rate certificates of deposits, negotiated-rate jumbo certificates. It originates construction and permanent loans on residential and commercial real estate; commercial loans, including operating loans, equipment loans, and unsecured loans; and consumer loans, including auto and home equity loans. The banks serve individuals, small to medium-sized businesses, community organizations, and public entities. The company also provides brokerage services. Glacier Bancorp invests in securities of U.S. Government and federal agencies, state and local governments, real estate mortgage investment conduits, and mortgage-backed securities. As of December 31, 2004, the bank operated 55 banking offices in Montana, Idaho, Utah, and Washington. Glacier Bancorp is headquartered in Kalispell, Montana.
BANK OF GRANITE CORPORATION (GRAN)
Bank of Granite Corporation operates as the bank holding company for Bank of Granite and Granite Mortgage, Inc. The Bank of Granite accepts demand and time deposits, as well as makes loans, secured and unsecured, to individuals, associations, partnerships, and corporations. As of June 30, 2005, the bank operated 21 banking offices in Caldwell, Catawba, Burke, Watauga, Wilkes, Mecklenburg, and Forsyth counties in North Carolina. The Granite Mortgage originates and underwrites mortgage loans to individuals. It also sells mortgage servicing rights and appraisal services. The company's mortgage loan products include fixed-rate and adjustable-rate government and conventional loans for the purpose of constructing, purchasing, or refinancing owner-occupied properties. As of December 31, 2004, it operated 13 offices in the central and southern Piedmont and Catawba Valley regions of North Carolina, and in Hilton Head Island, South Carolina. Bank of Granite Corporation is based in Granite Falls, North Carolina.
GREAT SOUTHERN BANCORP INC (GSBC)
Great Southern Bancorp, Inc. operates as the holding company for Great Southern Bank (bank), which offers various banking and financial services through its 31 branches located in 15 counties in southwestern and central Missouri. The bank offers regular savings, checking, individual retirement, and various money market accounts; brokered and fixed-interest rate certificates with varying maturities; and certificates of deposit. It also originates residential and commercial real estate, and construction loans; secured consumer loans, including automobile loans, home equity and improvement, loans secured by savings deposits, and guaranteed student loans; and unsecured consumer loans. In addition, the bank, through its subsidiaries, offers general property, casualty, and life insurance; personal, commercial, and group travel; and investment and related services. The company invests in U.S. government agencies, collateralized mortgage obligations, mortgage-backed and equity securities, states and political subdivisions, and corporate bonds. Great Southern was formed in 1923 and is headquartered in Springfield, Missouri.
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.
HUNTINGTON BANCSHARES INCORPORATED (HBAN)
Huntington Bancshares Incorporated operates as the holding company primarily for The Huntington National Bank (bank) that provides commercial and consumer banking services in the United States. The bank engages in generating deposits and originating loans. Its deposit products include demand, savings, and time deposits, as well as retail certificates of deposit. The bank's loan portfolio comprises commercial construction, industrial, and real estate loans; and consumer automobile, home equity, and residential mortgage loans. It primarily invests in the U.S. Treasury and Federal agencies, and mortgage-backed securities. In addition, the company provides mortgage banking services, automobile financing, equipment leasing, investment management, trust services, and discount brokerage services. Further, Huntington Bancshares engages in reinsuring credit life and disability insurance; selling insurance and financial products and services; and providing Internet and telebanking services. As of June 30, 2005, the company operated 336 branches and 800 automated teller machine facilities in Ohio, Michigan, West Virginia, Indiana, and Kentucky. Huntington Bancshares is headquartered in Columbus, Ohio.
No description available.
HANCOCK HOLDING COMPANY (HBHC)
Hancock Holding Company, a financial holding company, provides various financial products and services to individuals and small to middle market businesses primarily in Mississippi, Louisiana, and Florida. The company offers various deposit products, including negotiable order of withdrawal accounts, savings accounts, money market accounts, and time deposits. Its loan portfolio comprises commercial, consumer, and real estate loans. In addition, the company provides trust, consumer financing, property management, investment security, discount investment brokerage services, and general insurance agency services, as well as markets credit life insurance. Hancock's investment portfolio includes the U.S. Treasury securities, U.S. government agency issues, mortgage-backed securities, collateralized mortgage obligations, and tax-exempt obligations of states and political subdivisions. As of August 11, 2005, it operated 103 offices and approximately 140 automated teller machines in south Mississippi, Louisiana, and the Florida Panhandle. The company was formed in 1899 and is headquartered in Gulfport, Mississippi.
HUDSON CITY BANCORP INC (HCBK)
Hudson City Bancorp, Inc. operates as the holding company for Hudson City Savings Bank, which is a community and customer-oriented retail savings bank. It offers traditional deposit products, residential real estate mortgage loans, and consumer loans. The bank's deposit products include passbook and statement savings accounts, NOW accounts, checking accounts, money market accounts, and time deposits, as well as IRA accounts and qualified retirement plans. Its loan portfolio primarily consists of one- to four-family residential first mortgage loans. The bank also provides consumer and other loans, which primarily consist of fixed-rate second mortgage loans and home equity credit lines. In addition, it purchases mortgages, mortgage-backed securities, securities issued by the U.S. government and agencies, and other investments. As of February 28, the bank had approximately 84 branch offices in New Jersey, as well as one branch office in Suffolk County, New York. The company was founded in 1868 and is based in Paramus, New Jersey.
HDFC Bank Limited, a private sector bank, provides financial services to corporations, and middle and upper-income individuals in India. It has three divisions: Wholesale Banking, Retail Banking, and Treasury Operations. The Wholesale Banking division provides loans, deposit products, documentary credits, guarantees, bullion trading, and foreign exchange and derivative products. It also offers cash management services, clearing and settlement services for stock exchanges, tax and other collections for the government, custody services for mutual funds, and correspondent banking services. The Retail Banking division provides various deposit products, as well as loans, bill payment services, gold and silver credit cards, debit cards, third party distribution, investment advisory services, card and automated teller machine (ATM) acquiring transactions, and depositary services. The Treasury Operations division offers foreign exchange and derivative products for its clients. In addition, the bank provides telephone, Internet, and mobile telephone banking services. As of March 31, 2005, it operated 467 branches and 1,147 ATMs in 211 cities. The company was incorporated in 1994 and is headquartered in Mumbai, India.
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.
HARLEYSVILLE NATIONAL CORPORATION (HNBC)
Harleysville National Corporation operates as the holding company for Harleysville National Bank and Trust Company (bank) that provides commercial banking services to individual and corporate customers in eastern Pennsylvania. The bank's commercial banking and trust businesses include accepting time and demand deposits; making secured and unsecured commercial and consumer loans; financing commercial transactions; making construction and mortgage loans; and performing corporate pension, and personal investment and trust services. As of December 31, 2004, Harleysville National Bank operated 45 branches. It investment portfolio includes the U.S. Treasury notes, obligations of other United States Government agencies and corporations, obligations of states and political subdivisions, mortgage-backed securities, and other securities. The company, through HNC Reinsurance Company, reinsures consumer loan credit, life, and accident and health insurance. Harleysville National Corporation was formed in 1909 and is headquartered in Harleysville, Pennsylvania.
HORIZON FINANCIAL CORP (HRZB)
Horizon Financial Corp. operates as the bank holding company for Horizon Bank that provides commercial banking services primarily in northwest Washington. The bank engages in generating deposits and originating loans. Its deposit products include savings, checking, money market, and time deposits. The bank's loan portfolio comprises real estate construction and commercial construction loans, commercial loans, mortgage loans, secured and unsecured consumer loans, and loans secured by savings deposits. It primarily invests in the U.S. Treasury obligations, money market instruments, federal agency securities, and municipal securities. As of June 30, 2005, the bank operated 18 bank branches, 3 commercial loan centers, and 3 real estate loan centers in Whatcom, Skagit, Snohomish, and Pierce counties in northwest Washington. The company was founded in 1922 and is based in Bellingham, Washington.
HERITAGE COMMERCE CORP (HTBK)
Heritage Commerce Corp. operates as the bank holding company for Heritage Bank of Commerce that provides commercial banking services in California. The bank engages in generating deposits and originating loans. Its deposit products include demand, savings, and time deposits, as well as negotiable order of withdrawal and money market deposit accounts. The bank's loan portfolio comprises commercial, real estate mortgage, real estate land and construction, and consumer loans. It also provides travelers' checks, safe deposit, and other customary nondeposit banking services. The bank primarily invests in the obligations of the U.S. treasury and government agencies, municipal securities, and mortgage-backed securities. The company was incorporated in 1993 and is based in San Jose, California.
INTERVEST BANCSHARES CORP (IBCA)
Intervest Bancshares Corporation operates as the holding company for Intervest National Bank, which provides commercial and consumer banking services in New York and Florida. The bank accepts certificates of deposit, individual retirement accounts, checking and other demand deposit accounts, negotiable order of withdrawal accounts, savings accounts, and money market accounts. It also offers commercial loans, including term loans, lines of credit and equipment financing, loans for working capital needs, business expansion loans, and the loans for purchasing equipment and machinery; and 504 loans that are secured by commercial and multifamily real estate, including rental and cooperative apartment buildings, office buildings, mix-used properties, shopping centers, hotels, industrial properties, and vacant land. The bank's consumer loans include loans for purchasing automobiles, recreation vehicles, and boats; second mortgages; and home improvements, home equity lines of credit, and personal loans. In addition, the bank provides Internet banking services; ATM services with access to local, state, and national networks; wire transfers; direct deposit of payroll and social security checks; automated drafts for various accounts; and safe deposit boxes. It invests in securities that are issued by the U.S. government or one of its agencies. As of September 30, 2005, the bank had a banking office in Rockefeller Plaza in New York City and five banking offices in Pinellas County, Florida. The company, through its other subsidiaries, provides mortgage loans on commercial and multifamily residential properties; and issues debentures, debt securities, and trust preferred securities. Intervest Bancshares was incorporated in 1993 and is based in New York City.
INDEPENDENT BANK CORPORATION (IBCP)
Independent Bank Corporation, a multibank holding company, provides commercial banking services in Michigan. It offers various deposit products, including time and demand deposits, and savings and negotiable order of withdrawal accounts. The company's loan portfolio primarily comprises real estate mortgage and commercial loans. It also offers title insurance, and investment and insurance services. The company invests in the obligations of the U.S. Treasury, states and political subdivisions, mortgage-backed securities, and other asset-backed securities. As of December 31, 2004, it operated 118 facilities in Michigan and 1 facility in Chicago, Illinois. The company was formed in 1864 and is based in Ionia, Michigan.
IBERIABANK CORPORATION (IBKC)
IBERIABANK Corporation operates as the holding company for IBERIABANK that provides commercial banking services primarily in Louisiana. The bank engages in generating deposits and originating loans. Its deposit products primarily include checking, savings, and certificate of deposit accounts. The bank's loan portfolio comprises consumer, commercial, and mortgage loans. It also offers discount brokerage services and insurance services. The bank primarily invests in the U.S. government and federal agency obligations, obligations of state and political subdivisions, and mortgage-backed securities. As of August 1, 2005, it operated 22 branch offices in Acadiana, 8 branch offices in the greater New Orleans area, 12 branch offices in the Monroe/Ruston region, 1 branch office each in Baton Rouge and downtown Shreveport. IBERIABANK Corporation is headquartered in Lafayette, Louisiana.
ICICI Bank Limited provides banking products and financial services to corporate and retail customers primarily in India. It offers a range of products and services in the areas of commercial banking, investment banking, and insurance. The company's deposit products include time deposits, savings accounts, current accounts, payroll accounts, accounts for small businesses, nonresident Indian accounts, and certificates of deposit. The company's loan portfolio comprises home loans, automobile loans, two wheeler loans, commercial vehicle loans, construction equipment and farm equipment loans, personal loans, credit cards, loans against time deposits, loans against shares, leasing and related loans, consumer loans, project and corporate finance, and venture capital finance. It also offers private banking, debit cards, and agricultural financing products, as well as distributes third party investment products and issues unsecured redeemable bonds. Further, the company has interests in the software development, software services, insurance, and business process outsourcing businesses. ICICI Bank operates a network of approximately 573 branches and 2,000 automated teller machines. It also has operations in the United States, the United Kingdom, Canada, Russia, Singapore, Bahrain, the Peoples' Republic of China, the United Arab Emirates, South Africa, Sri Lanka, and Bangladesh. ICICI Bank was founded in 1955 and is headquartered in Mumbai, India.
INTEGRA BANK CORPORATION (IBNK)
Integra Bank Corporation operates as the bank holding company for Integra Bank N.A. that provides a range of financial services in Indiana, Kentucky, Illinois, and Ohio. The bank offers various deposit services, such as money market, checking accounts, saving accounts, certificates of deposit, and time deposits. Its loan products include commercial, consumer and mortgage loans, lines of credit, credit cards, transaction accounts, repurchase agreements, and letters of credit. The bank also offers corporate cash management services, correspondent banking services, mortgage servicing, brokerage and annuity products and services, credit life and other selected insurance products, safe deposit boxes, online banking, and personal and corporate trust services. The bank primarily invests in the obligations of the U.S. Government agencies, mortgage-backed securities, collateralized mortgage obligations, and states and political subdivisions. As of July 21, 2005, it operated 74 banking centers and 122 automated teller machines. The company was formed in 1985 and is headquartered in Evansville, Indiana.
INTERNATIONAL BANCSHARES CORPORATION (IBOC)
International Bancshares Corporation (IBC) operates as the holding company for its wholly owned subsidiaries that include International Bank of Commerce–Laredo (IBC-Laredo), International Bank of Commerce–Brownsville, International Bank of Commerce–Zapata, and Commerce Bank. IBC's bank subsidiaries operate 180 facilities and 300 ATMs in 75 communities in Texas and Oklahoma, including Austin, Brownsville, Corpus Christi, Eagle Pass, Houston, Laredo, McAllen, Oklahoma City, Port Lavaca, San Antonio, Tulsa, Victoria, and Zapata. They accept checking and savings deposits, as well as make commercial, real estate, personal, home improvement, automobile, and other installment and term loans. They also offer credit cards, travelers' checks, notary public, escrow, online banking, and other customary banking services. In addition, the bank subsidiaries invest in debt securities of the U.S. Government and various other entities, as well as facilitate international trade along the U.S. border with Mexico and elsewhere. IBC's subsidiaries also offer additional financial services. IBC-Laredo operates the wholly owned nonbank subsidiaries: IBC Investments, IBC Insurance Agency, and IBC First Equity. The services of these subsidiaries are available throughout the communities in Texas and Oklahoma where IBC has a presence. IBC Investments offers fee-based asset management; financial planning and wealth transfer strategies; individual retirement accounts; annuities; and mutual funds. IBC Insurance Agency provides business, auto, and home insurance; individual life insurance; and group life and health plans. IBC First Equity specializes in mortgage, home improvement, and home equity lending. IBC also has a controlling interest in the GulfStar Group, an investment and merchant banking entity that offers merger and acquisition services, private placement, and financial advisory services to middle market companies. IBC was founded in 1966 and is headquartered in Laredo, Texas.
INDEPENDENT BANK CORP (INDB)
Independent Bank Corp. operates as the holding company for Rockland Trust Company, which provides commercial banking, retail banking, and investment management services. It offers a range of demand deposits, interest checking, money market accounts, savings accounts, and time certificates of deposit. The company also offers commercial loans, which include loans to businesses for working capital and other business-related purposes, and floor plan financing; real estate loans, including commercial mortgages that are secured by nonresidential properties, residential mortgages, and mortgages for the construction of commercial and residential properties; and consumer loans that consist primarily of automobile loans and home equity loans. In addition, the company provides investment and trust services to individuals, small businesses, and charitable institutions. Its securities portfolio consists of the U.S. government and the U.S. government agency obligations; state, county, and municipal securities; mortgage-backed securities; federal home loan bank stock; corporate debt securities; and equity securities. As of December, 31, 2004, it operated 53 banking offices, 7 commercial lending centers, 3 investment management offices, and 4 residential lending centers, which are located in the Plymouth, Norfolk, Barnstable, and Bristol Counties of southeastern Massachusetts and Cape Cod. The company was founded in 1907 and is headquartered in Rockland, Massachusetts.
GOVERNOR AND COMPANY OF THE BANK OF IRELAND (IRE)
Bank of Ireland provides a range of financial services primarily in Ireland and the United Kingdom. These services include checking and deposit services, overdrafts, term loans, mortgages, business and corporate lending, international asset financing, leasing, installment credit, and debt factoring. It also offers foreign exchange facilities, interest and exchange rate hedging instruments, executor, trustee, stockbroking, life assurance and pension. In addition, the bank provides investment fund management, fund administration and custodial services, and financial advisory services, including mergers and acquisitions and underwriting. As of March 31, 2005, the bank operated 314 retail bank branches, of which 260 were in Ireland, 44 in Northern Ireland, and 10 in Britain, as well as operated 1,029 automated teller machines. Bank of Ireland was formed in 1783 and is headquartered in Dublin, Ireland.
J P MORGAN CHASE & CO (JPM)
JPMorgan Chase & Co. operates as a global financial services company in the United States. It operates in six segments: Investment Bank, Retail Financial Services (RFS), Card Services, Commercial Banking, Treasury and Securities Services (TSS), and Asset and Wealth Management (AWM). The Investment Bank segment delivers products and services, including advising on corporate strategy and structure, capital raising in equity and debt markets, risk management, and market-making in cash securities and derivative instruments in various capital markets to corporations, financial institutions, governments, and institutional investors. In addition, it participates in proprietary investing and trading. The RFS segment offers consumer banking, small business banking, auto and educational finance, home finance, and insurance services. The Card Services segment issues various credit cards, including cards issued on behalf of airlines, hotels, universities, retailers, and other financial institutions in the United States. The Commercial Banking segment offers lending, treasury services, investment banking and investment management to corporations, municipalities, financial institutions, and not-for-profit entities. The TSS segment provides transaction, investment, and information services to corporations, issuers, and institutional investors. The AWM segment provides investment and wealth management services to institutional and retail investors, financial intermediaries, and high-net-worth families and individuals. This segment also offers mutual fund franchise, retirement plan administration, and consultation and brokerage services. The company has operations in approximately 50 countries in Europe, Middle East, Africa, Asia-Pacific, Latin America, and the Caribbean. JPMorgan Chase was founded in 1823 and is headquartered in New York City.
KeyCorp operates as a bank and financial holding company that provides retail and commercial banking, commercial leasing, investment management, consumer finance, and investment banking products and services to individual, corporate, and institutional clients in the United States. The company, through bank and trust company subsidiaries, offers personal and corporate trust services, personal financial services, access to mutual funds, cash management services, investment banking and capital markets products, and international banking services. It provides investment management services to clients that include large corporate and public retirement plans, foundations and endowments, high net worth individuals, and Taft-Hartley plans, which include multiemployer trust funds established for providing pension, vacation, or other benefits to employees. KeyCorp, through its nonbank subsidiaries, also provides other financial services that include accident, health, and credit-life insurance on loans made by its subsidiary bank, principal investing, community development financing, securities underwriting and brokerage, merchant services, and other financial services. As of December 31, 2004, the company operated 935 retail banking branches, a telephone banking call center services group, and 2,194 automated teller machines in 17 states. KeyCorp was founded in 1849 and is headquartered in Cleveland, Ohio.
LAKELAND BANCORP INC (LBAI)
Lakeland Bancorp, Inc. operates as the holding company for Lakeland Bank and Newton Trust Company that provide commercial banking services in northern New Jersey. The company engages in generating deposits and originating loans. Its deposit products include demand, savings, and time deposits, as well as transaction accounts. The company's loan portfolio comprises commercial, real estate mortgage, real estate construction, home equity, and consumer installment loans. It also offers collection, wire transfer, night depository services, and safe deposit services, as well as provides investment and advisory services. The company primarily invests in the obligations of the U.S. Treasury and U.S. government agencies, states and political subdivisions, and mortgage-backed securities. As of December 31, 2004, it operated 49 branches in Morris, Passaic, Sussex, Essex, Bergen, and Warren counties in New Jersey. The company was formed in 1969 and is based in Oak Ridge, New Jersey.
FIDELITY SOUTHERN CORPORATION (LION)
Fidelity Southern Corporation (FSC) operates as the holding company for Fidelity Bank (bank), which provides various banking and financial services in Georgia. The bank offers demand, savings, money market, and time deposits, as well as originates consumer loans, such as direct and indirect automobile, home equity and personal loans, secured and unsecured installment, construction and residential real estate, and commercial loans, including commercial loans secured by real estate for small and medium sized businesses. The bank also offers trust and merchant services, credit card loans through agency relationships, and international trade services, such as letters of credit, foreign currency drafts, foreign and documentary collections, export finance, and international wire transfers. In addition, it offers brokerage, Internet banking, and cash management services. The company conducts its activities primarily through 19 branches in Fulton, DeKalb, Cobb, Clayton, and Gwinnett counties in Georgia. FSC also invests in the obligations of the U.S. treasury; agencies of the U.S. Government, including mortgage backed securities; and other investments. The company was organized in 1973 and is headquartered in Atlanta, Georgia.
LAKELAND FINANCIAL CORPORATION (LKFN)
Lakeland Financial Corporation operates as the bank holding company for Lake City Bank that provides commercial and retail banking services primarily in the northern Indiana. The bank engages in generating deposits and originating loans. Its deposit products include checking, savings, time, and demand deposits, as well as negotiable order of withdrawal accounts. The bank's loan portfolio comprises commercial, real estate mortgage, and installment loans, as well as line of credit and credit card loans. The bank also offers traditional personal and corporate trust services; and provides retail brokerage services, including an array of financial and investment products, such as annuities and life insurance. It primarily invests in the obligations of the U.S. treasury securities, the U.S. government agencies and corporations, mortgage-backed securities, and state and municipal securities. As of June 30, 2005, it operated 43 branches in 12 counties in northern Indiana. The company was formed in 1892 and is headquartered in Warsaw, Indiana.
LNB Bancorp, Inc. operates as the holding company for The Lorain National Bank, which provides personal, mortgage, and commercial banking services in Ohio. The bank engages in generating deposits and originating loans. Its deposit products include time, savings, and demand deposits. Its loan portfolio comprises commercial real estate loans, construction and equipment loans, letters of credit, revolving lines of credit, small business administration loans, government guaranteed loans, and federal home loan bank program loans. In addition, the bank provides brokerage services, investment services, mutual funds, and variable annuity and life insurance products. It primarily invests in the obligations of the U.S. government agencies, the U.S. agency mortgage backed securities, and municipalities. As of June 30, 2005, the bank operated 20 branches in Lorain, eastern Erie, and western Cuyahoga counties in Ohio. LNB Bancorp, through other nonbanking subsidiary, Charleston Insurance Agency, Inc., offers term life, whole life, universal life and term care insurance, and fixed annuity products. The company was formed in 1905 and is headquartered in Lorain, Ohio.
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.
LLOYDS BANKING GROUP PLC (LYG)
Lloyds TSB Group plc, through its subsidiaries, provides banking and financial services in the United Kingdom and internationally. It operates in three segments: the U.K. Retail Banking and Mortgages (RBM), Insurance and Investments, and Wholesale and International Banking (WIB). RBM segment offers banking, financial, mortgage, and private banking services to approximately 15 million personal customers. Its services include Internet banking, telephone banking, automated teller machine (ATM), savings accounts, current accounts, personal loans, credit cards, residential mortgage products, and a range of wealth management services and products, such as asset management, tax and estate planning, executor and trustee services, deposit taking and lending, insurance and personal equity plan, and individual savings account products. As of December 31, 2004, this segment operated 2200 branches and 4200 ATMs in England, Scotland, and Wales. Insurance and Investments segment offers life assurance, pensions and investment products, general insurance, and fund management services. WIB segment provides banking and related services for the United Kingdom and multinational companies, banks and financial institutions, and small and medium-sized businesses. It also provides asset finance and share registration services to personal and corporate customers. Lloyds TSB Group was incorporated in 1985 and is headquartered in London.
MB Financial, Inc. (MD) operates as the holding company for MB Financial Bank, N.A, and Union Bank, N.A, which offers commercial banking, retail banking, and wealth management services. The bank's commercial banking services include working capital loans and lines of credit; accounts receivable; inventory and equipment financing; industrial revenue bond financing; business acquisition loans; real estate loans; and financial, performance, and commercial letters of credit. The banks also provide deposit and treasury management products; investment sweep accounts; zero balance accounts; automated tax payments; ATM access; a merchant credit card program; telephone banking; lockboxes; automated clearing house transactions; account reconciliation; controlled disbursement; detail and general information reporting; wire transfers; and various international banking services. The bank's retail banking services comprise acceptance of checking, savings, NOW and money market, and time deposit accounts; and offering of secured and unsecured consumer loans, and residential mortgage loans. Its wealth management products include non-FDIC insured investment alternatives and insurance, personal trusts, investment management, custody, estates, guardianship, land trust, tax-deferred exchange, and retirement plan services. Its investment portfolio consists of corporate bonds, and U.S. Treasury, Equity, and Debt securities issued by foreign governments, as well as U.S. Government agencies, states and political subdivision, and mortgage-backed securities. As of December 31, 2004, the bank operated through 45 branches, including 39 in Chicago, Illinois, 5 in Oklahoma City, Oklahoma, and 1 in Philadelphia, Pennsylvania. MB Financial is headquartered in Chicago, Illinois.
MIDWEST BANC HOLDINGS INC (MBHI)
Midwest Banc Holdings, Inc., through its subsidiaries, provides a range of services, including traditional banking services, personal and corporate trust services, residential mortgage services, insurance brokerage, and retail securities brokerage services. It offers various deposit products, including checking and negotiable order of withdrawal accounts, savings and money market accounts, and time deposits, as well as provides commercial loans; commercial real estate loans; agricultural loans; consumer real estate loans, including home equity lines of credit; and consumer installment loans. The company also offers various trust services that include land trusts, personal trusts, custody accounts, retirement plan services, and corporate trust services; insurance products and services; and investment-related services, including securities trading, financial planning, mutual funds sales, fixed and variable rate annuities, and tax-exempt and conventional unit trusts. As of December 31, 2004, Midwest Banc Holdings operated in 23 locations, with 17 banking centers in the greater Chicago metropolitan area and 6 banking centers in western Illinois. It provides services to individuals, small-to-medium-sized businesses, government and public entities, and not-for-profit organizations. The company was founded in 1959 and is headquartered in Melrose Park, Illinois.
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.
MERCANTILE BANK CORPORATION (MBWM)
Mercantile Bank Corporation operates as the bank holding company for Mercantile Bank of Michigan that provides commercial and retail banking services primarily to small- to medium-sized businesses in west Michigan. The bank engages in generating deposits and originating loans. Its deposit products include demand, savings, time, and money market deposit accounts. The bank's loan portfolio comprises real estate construction and commercial loans, commercial loans, and consumer loans. It also offers automated teller machine, Internet banking, telebanking, and safe deposit facility services. Additionally, the bank underwrites private passenger automobile, homeowners, personal inland marine, boat owners, recreational vehicle, dwelling fire, umbrella policies, small business, and life insurance products, as well as offers trust services. It primarily invests in the U.S. Government agency debt obligations, municipal general obligations, and mortgage-backed securities. As of December 31, 2004, the bank operated 7 branches in Michigan. The company was formed in 1997 and is based in Grand Rapids, Michigan.
MACATAWA BANK CORPORATION (MCBC)
Macatawa Bank Corporation operates as the holding company for Macatawa Bank that provides commercial and consumer banking services in Michigan. The bank engages in generating deposits and originating loans. Its deposit products include checking, savings, money market, negotiable order of withdrawal, and time deposit accounts, as well as offers certificates of deposit. The bank's loan portfolio comprises commercial, commercial and residential real estate, real estate mortgages, and consumer loans. Macatawa Bank also originates and sells residential mortgage loans into the secondary market on a servicing released basis. In addition, it provides safe deposit boxes, travelers checks, money orders, and trust services. The bank primarily invests in the obligations of the U.S. treasury and the U.S. government agencies, state and municipal bonds, and other equity securities. The company, through its other subsidiary, provides various services, including discount brokerage, personal financial planning, and consultation regarding mutual funds and annuities. As of September 30, 2005, Macatawa Bank operated 23 branch offices and a lending and operational service facility in Kent County, Ottawa County, and northern Allegan County, Michigan. Macatawa Bank Corporation was founded in 1997 and is headquartered in Holland, Michigan.
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.
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.
Marshall & Ilsley Corporation (MIC), a multibank holding company, offers retail, institutional, business, and international banking and investment services to corporate, institutional, government, and individual customers primarily in the United States. The company engages in generating deposits and originating loans. Its deposit products primarily include noninterest bearing demand deposits, interest bearing demand deposits, savings deposits, time deposits, and certificate of deposit. The company's loan portfolio comprises automobile loans and leases, student loans, home equity loans, personal loans, residential mortgage loans, mortgage refinancing business loans, lines of credit, standby letters of credit, government-sponsored loans, commercial real estate financing, construction financing, and equipment and machinery leases. MIC also provides working capital loans to commercial borrowers secured by accounts receivable, inventory, and other marketable assets, as well as provides retail vehicle lease and installment sale financing. In addition, the company provides data processing services to financial institutions and other companies for deposit and loan account management. Additionally, it provides debit, stored-value, and credit card processing; card personalization; ATM management; and transaction and merchant processing services. Further, it provides electronic bill presentment and payment services; payment and settlement of bill payment transactions; personal property lease financing; investment management and advisory services; commercial and residential mortgage banking; venture capital and financial advisory services; trust services; and brokerage and insurance services. As of December 31, 2004, the company operated 252 offices in Wisconsin, Arizona, Minnesota, Missouri, Florida, Nevada, and Illinois. MIC was founded in 1847 and is headquartered in Milwaukee, Wisconsin.
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.
M&T BANK CORPORATION (MTB)
M&T Bank Corporation operates as the holding company for M&T Bank and M&T Bank, National Association that provide commercial and retail banking services to individuals, corporations, and other businesses and institutions. The banks offer various banking services, including loans and deposits, trust, mortgage banking, asset management, insurance, and other financial services. The banks also offer negotiable order of withdrawal accounts, savings, time, and noninterest-bearing deposit products, as well as residential and commercial real estate, commercial, financial, secured or guaranteed and unsecured consumer loan products, and commercial and consumer leases. The company, through its nonbanking subsidiaries, reinsures credit life, and accident and health insurance; originates and provides residential mortgage loans; engages in commercial real estate lending; and provides securities brokerage and investment advisory services. As of December 31, 2004, M&T Bank had 662 banking offices located in the New York state, Pennsylvania, Maryland, Delaware, Virginia, West Virginia and the District of Columbia, as well as a branch in George Town, Cayman Islands. M&T Bank Corporation is headquartered in Buffalo, New York.
Nara Bancorp, Inc. operates as the holding company for Nara Bank, which provides various commercial banking and consumer financial services primarily to individuals and small to medium-sized businesses. It operates in three segments: Banking Operations, Trade Finance Services, and Small Business Administration Lending Services. The Banking Operations segment engages in generating deposits and originating loans. Its lending services comprise commercial loans, commercial real estate loans, trade finance, small business administration loans, automobile loans, and various consumer loans. This segment's deposit products include money market accounts, savings and checking accounts, certificate of deposits, individual retirement accounts, and business checking accounts. The Trade Finance Services segment allows the company's import/export customers to handle the international transactions. Its trade finance products include the issuance and collection of letters of credit, international collection, and import/export financing. The Small Business Administration Lending Services segment offers customers to access to the U.S. small business administration guaranteed lending program. In addition, the company offers traveler's checks, safe deposit boxes, notary public, Internet banking and bill-pay services, telephone banking, debit card services, and other customary bank services. As of April 30, 2007, it had a network of 18 branch offices located in Los Angeles, Orange County, Oakland, Silicon Valley, and New York, as well as 7 loan production offices located in California, Washington, Texas, Georgia, Illinois, New Jersey, and Virginia. Nara Bancorp was founded in 1989 and is headquartered in Los Angeles, California.
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.
NATIONAL BANK OF GREECE SA (NBG)
National Bank of Greece S.A. and its subsidiaries provide commercial and retail banking products and services primarily in Greece and internationally. The bank engages in generating deposits and originating loans. Its deposit products include savings accounts, current accounts, demand deposits, and time deposits. The bank's loan portfolio comprises various consumer and commercial loans. It also provides global investment management, investment banking, insurance, investment activities, and securities trading. The bank primarily invests in the Greek government bonds, debt securities issued by other governments, and mortgage-backed securities. As of December 31, 2004, National Bank of Greece operated 227 full banking branches and 363 retail banking branches in Greece; and 27 foreign branches in 7 countries, including 15 in Serbia-Montenegro and 6 in Albania, as well as 1 each in the United Kingdom, Guernsey, Romania, Bulgaria, Cyprus, and Egypt. The bank also operated four overseas representative offices, which included one office in Europe, two offices in Australia, and one office in Turkey, as of the same date. The bank was founded in 1841 and is headquartered in Athens, Greece.
NBT Bancorp, Inc., a financial holding company, provides commercial banking and financial services to individuals, corporations, and municipalities in the central and upstate New York and northeastern Pennsylvania. The company, through its primary subsidiary, NBT Bank, N.A., engages in generating deposits and originating loans. The bank's deposit products include time, savings, NOW, money market, and demand deposits. It offers various loans, such as real estate mortgages loans, commercial and agricultural loans, consumer loans, real estate construction and development loans, commercial construction loans, lease financing, and home equity loans. NBT Bank's security portfolio comprises U.S. Treasury securities, Federal Agency and mortgage-backed securities, and state and municipal collateralized mortgage obligations and other securities. The bank also offers various other services, such as venture capital services; automobile and equipment leases to individuals and small business entities; property management services. As of August 24, 2005, the bank had 74 offices in upstate New York and Scranton, as well as had 39 offices in northeastern Pennsylvania. NBT Bancorp, through NBT Services, Inc., provides title insurance products to individuals and corporations. The company was formed in 1856 and is headquartered in Norwich, New York.
CHINA NORTH EAST PETROLEUM HOLDINGS LIMITED (NEP)
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.
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.
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.
NORTH VALLEY BANCORP (NOVB)
North Valley Bancorp, operates as the holding company for North Valley Bank and NVB Business Bank, which provide commercial and retail banking services in California. The company accepts demand, savings, and money market rate deposit accounts, as well as time deposits. It also offers commercial, financial, and agricultural loans; real estate loans; mortgage loans; installment loans; and direct financing leases to small and middle market businesses, and middle income individuals. In addition, North Valley Bancorp also issues cashier's checks and money orders, sells travelers' checks, and provides safe deposit boxes and other customary banking services. It invests in securities of U.S. government agencies and corporations, obligations of states and political subdivisions, mortgage-backed securities, corporate securities, and other securities. As of October 20, 2005, North Valley Bank operated 21 commercial banking offices in Shasta, Humboldt, Del Norte, Mendocino, and Trinity counties in northern California; and NVB Business Bank operated 5 commercial banking offices in Yolo, Solano, Sonoma, Placer, and Mendocino counties in northern California. The company was founded in 1972 and is based in Redding, California.
NATIONAL PENN BANCSHARES INC (NPBC)
National Penn Bancshares, Inc. operates as the holding company for National Penn Bank, which provides commercial banking services in Maryland. It offers demand, NOW, money market, certificates of deposit, checking, and savings accounts. The bank also offers installment loans, home equity loans, residential mortgage loans, multifamily loans, educational loans, and credit cards. It also offers short-term loans for seasonal and working capital purposes, term loans secured by real estate and other assets, loans for construction and expansion needs, revolving credit plans, and other commercial loans to proprietors, professionals, partnerships, and corporations. In addition, the bank offers automated teller services; safe deposit and night depository facilities; and internet banking services, including online bill paying. It also provides trust and investment management services, and insurance services. The bank invests primarily in agency and municipal bonds. As of December 31, 2004, it operated 73 community banking offices in southeastern Pennsylvania and 1 community office in Cecil County, Maryland. The company was founded in 1874 and is headquartered in Boyertown, Pennsylvania.
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.
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.
NORTHERN TRUST CORPORATION (NTRS)
Northern Trust Corporation operates as the holding company of The Northern Trust Company (bank). It provides investment management, asset and fund administration, fiduciary and banking solutions for corporations, institutions, and individuals worldwide. As of December 31, 2003, the bank operated 18 banking offices in the Chicago area. The company also owns national bank subsidiaries; a federal savings bank; trust companies, and various other nonbank subsidiaries, including an investment management company; a securities brokerage firm; and an institutional investment management company. The company operates in two units, Personal Financial Services (PFS) and Corporate and Institutional Services (C&IS). C&IS unit offers investment asset administration and related services to corporate and public entity retirement funds, foundation and endowment clients, fund managers, insurance companies, and government funds, as well as provides a range of commercial banking and treasury management services. PFS unit provides personal trust, custody and investment management services, individual retirement accounts, guardianship, estate administration, and residential real estate mortgage lending. The company provides investment management and related services and products to domestic and international clients of C&IS and PFS. Northern Trust Corporation is based in Chicago, Illinois.
NORTHWEST BANCORP INC (NWSB)
Northwest Bancorp, Inc. operates as the holding company for Northwest Savings Bank, which offers commercial banking and consumer finance services. The bank accepts checking, savings, money market deposit, term certificate, and individual retirement accounts. It also offers real estate loans, including one- to four-family and multifamily and commercial; commercial business loans; and consumer loans that comprise automobile, home improvement, and education loans, as well as loans on savings accounts. In addition, it offers trust, investment management, actuarial and benefit plan administration, and brokerage services. The company's investment portfolio comprises mortgage-backed securities, investment securities, and cash and cash equivalents. As of June 30, 2005, the bank operated 153 community banking offices in northwest, southwest and central Pennsylvania, western New York, eastern Ohio, and Maryland. The company also operated 47 consumer lending offices in Pennsylvania, and 2 consumer lending offices in New York, as of the same date. The company was founded in 1896 and is headquartered in Warren, Pennsylvania.
OCEANFIRST FINANCIAL CORP (OCFC)
OceanFirst Financial Corp. operates as the holding company for OceanFirst Bank, which provides commercial banking services. It accepts money market accounts, savings accounts, interest-bearing checking accounts, non-interest bearing accounts, and time deposits. The bank also offers both fixed-rate and adjustable-rate mortgage loans secured by one- to four-family residences; commercial real estate and residential construction loans; and consumer loans. Its portfolio of securities include mortgage-backed securities, securities issued by the United States Government and agencies, corporate securities, and other investments permitted by applicable law and regulations. As of June 30, 2005, the bank operated through 18 branch locations in Ocean, Monmouth, and Middlesex Counties in the United States. The company is headquartered in Toms River, New Jersey.
OCWEN FINANCIAL CORPORATION (OCN)
Ocwen Financial Corporation, a financial services company, engages in residential and commercial mortgage servicing, real estate asset management, asset recovery, business process outsourcing, and the marketing and sale of technology solutions to third parties. It operates through six segments: Residential Loan Servicing, Ocwen Technology Xchange, Ocwen Realty Advisors, Business Process Outsourcing, and commercial servicing. The Residential Loan Servicing segment services performing, subperforming, and nonperforming residential mortgage loans. The Ocwen Technology Xchange segment consists of REALServicing, an enterprise-level residential mortgage loan servicing platform; REALSynergy, an enterprise-level commercial mortgage loan servicing platform; and REALTrans, a Web-based vendor management platform that facilitates the electronic fulfillment of real estate products and services necessary to process, approve, and close residential mortgage loans, as well as to service them. The Ocwen Realty Advisors segment provides valuation services. The Ocwen Recovery Group segment conducts activities for third party owners of unsecured receivables, and for a portfolio of unsecured credit card receivables. The Business Process Outsourcing segment provides business process outsourcing services to third parties, including mortgage underwriting, data entry, call center services, and mortgage research. The commercial servicing segment services domestic and international assets. Ocwen Financial operates in the United States, Canada, China, Germany, India, Japan, and Taiwan. The company was organized in 1988 and is headquartered in West Palm Beach, Florida.
ORIENTAL FINANCIAL GROUP INC (OFG)
Oriental Financial Group, Inc. operates as the holding company for the Oriental Bank and Trust, which offers commercial banking services primarily in Puerto Rico. The bank accepts demand deposits, savings accounts, and certificates of deposit, as well as offers consumer, commercial, and mortgage loans. The company, through its other subsidiaries, offers financial planning, investment banking, money management, investment brokerage services, insurance sales activity, corporate and individual trust services, as well as pension plan administration services. It also offers various types of IRAs, custodian accounts, and corporate trust accounts, as well as offers insurance products to its client base, such as fixed and variable annuities; and property, casualty, title, and life insurance. The company's investment portfolio primarily consists of mortgage-backed securities, collateralized mortgage obligations, U.S. Treasury notes, U.S. Government agency bonds, P.R. Government obligations, municipal bonds, and money market instruments. As of June 30, 2005, the bank operated 24 branches in Puerto Rico. The company was founded in 1964 and is headquartered in San Juan, Puerto Rico.
SOUTHWEST BANCORP INC (OKSB)
Southwest Bancorp, Inc. operates as the holding company for Stillwater National Bank and Trust Company, and SNB Bank of Wichita. It offers a range of commercial and consumer lending and deposit services. The company's deposit services include business mail processing; commercial checking, money market, and other deposit accounts; and retail deposit services that consist of certificates of deposit, money market accounts, checking accounts, NOW accounts, savings accounts, and automatic teller machine access. Southwest also offers a range of commercial loans that comprise commercial real estate loans, working capital and other commercial loans, construction loans, and small business administration guaranteed loans, as well as consumer lending services, which consist of student loans, residential real estate loans and mortgage banking services, and personal lines of credit and other installment loans. In addition, the company provides other services, including Internet banking services, automated lockbox, imaging and information services, and a deposit products that automatically sweeps excess funds from commercial demand deposit accounts and invests them in short term borrowings. As of December 31, 2004, Southwest operated 12 banking offices, 3 located in Stillwater; 2 located in Tulsa, Oklahoma; 2 each located in the Dallas and Austin, Texas metropolitan areas; and 1 each in Oklahoma City and Chickasha, Oklahoma, San Antonio, Texas, and Wichita, Kansas. The company was founded in 1894 and is headquartered in Stillwater, Oklahoma.
OLD NATIONAL BANCORP CAPITAL TRUST I (ONB)
Old National Bancorp operates as the financial holding company primarily for Old National Bank that provides a range of financial services. The company's deposit products include checking, savings, time deposits, NOW, money market, and other depository accounts. Its loan products consist of commercial, real estate, and consumer loans; home equity lines of credit; and letters of credit. The company also offers cash management services, lease financing, debit cards, Internet banking, and other electronically accessed banking services. Old National Bancorp, through other subsidiaries, also provides various services, including investment advisory and wealth management, investment and brokerage, investment consulting, and insurance agency services. In addition, Old National Bancorp provides capital markets products, including interest rate derivatives, foreign exchange, and industrial revenue bond financing for the its commercial clients. Further, the company offers insurance brokerage services, including commercial property and casualty, surety, loss control services, employee benefits consulting and administration, and personal insurance. It operates in Indiana, Illinois, Kentucky, Tennessee, Ohio, and Missouri. As of December 31, 2004, the company operated approximately 120 banking financial centers. Old National Bancorp was formed in 1834 and is headquartered in Evansville, Indiana.
OLD SECOND BANCORP INC (OSBC)
Old Second Bancorp, Inc., a bank holding company, provides community banking, trust, and financial services to corporations, partnerships, individuals, and government agencies in Illinois. The company deposit products include demand, savings, time deposit, individual retirement, and Keogh deposit accounts. Its loan products comprise commercial loans; industrial loans; consumer and real estate loans, including installment loans, student loans, farm loans, lines of credit, and overdraft checking. Old Second Bancorp also offers safe deposit operations; trust services; and various additional services, such as the sale of traveler's checks, money orders, cashier's checks and foreign currency, direct deposit, discount brokerage, debit cards, and credit cards. The company primarily invests in the obligations of U.S. Treasuries, U.S. Government agencies, states and political subdivisions, and mortgage backed and equity securities. It also originates residential mortgages and handles the secondary marketing of mortgages. As of June 30, 2005, the company operated 27 banking offices in Kane, Kendall, DeKalb, DuPage, LaSalle, and Will Counties in Illinois. Old Second Bancorp was organized in 1981 and is headquartered in Aurora, Illinois.
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 THE OZARKS (OZRK)
Bank of the Ozarks, Inc. owns a state chartered subsidiary bank, Bank of the Ozarks. The Bank conducts banking operations through 33 banking offices in 22 communities throughout northern, western, and central Arkansas and four loan production offices. The company also owns Ozark Capital Trust, a business trust. The Bank provides various retail and commercial banking services. Deposit services include checking, savings, money market, time deposit, and individual retirement accounts. Loan services include various types of real estate, consumer, commercial, industrial, and agricultural loans. The company also provides mortgage lending, cash management, trust services, safety deposit boxes, real estate appraisals, credit related life and disability insurance, ATMs, telephone banking, Internet banking, and debit cards.
PAMRAPO BANCORP INC (PBCI)
Pamrapo Bancorp, Inc. operates as the holding company for the Pamrapo Savings Bank, S.L.A, which provides various banking services in New Jersey. The bank offers a range of deposit accounts, which consist of regular savings accounts, noninterest bearing demand accounts, negotiable order of withdrawal (NOW) and super NOW accounts, money market accounts, and certificate accounts. It provides residential mortgage loans, commercial real estate loans, commercial loans, and consumer loans. Pamrapo Savings Bank originates first mortgage loans, equity loans, second mortgage loans, and improvement loans secured by one- to four-family residences, multifamily residences, and commercial real estate. In addition, the bank originates loans to finance the construction of one- to four-family dwellings, multifamily dwellings, and commercial real estate. It also originates loans for the acquisition and development of unimproved property to be used primarily for residential purposes. Pamrapo Savings Bank offers various secured and unsecured consumer loan products, such as automobile loans, personal loans, and passbook loans. The bank also provides financial planning and online banking services, as well as markets products, such as annuities, life insurance, mutual funds, and other equity securities. It invests primarily in mutual funds, equity securities, subordinated notes, mortgage-backed securities, and trust originated preferred securities. The bank operated through 10 retail banking offices located in Bayonne, Hoboken, Fort Lee, and Monroe, New Jersey, as of December 31, 2004. The company was founded in 1886 and is based in Bayonne, New Jersey.
PEOPLES UNITED FINANCIAL INC (PBCT)
People's Bank operates as a diversified financial services company in the United States. It provides commercial, consumer, insurance, retail investment, and trust services. As of July 12, 2004, the company had 155 branches and approximately 240 ATMs. It offers consumer and commercial banking, residential lending, insurance sales, and supermarket banking services. Through its subsidiaries, People's Bank provides brokerage and financial advisory services, asset management, equipment leasing and financing, and insurance services. It also issues MasterCard and Visa credit cards. The company was founded in 1842 and is based in Bridgeport, Connecticut.
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.
PEOPLES BANCORP INC (PEBO)
Peoples Bancorp, Inc. operates as the bank holding company for Peoples Bank, National Association that offers an array of financial products and services in the United States. The bank offers various deposit services, such as interest-bearing and noninterest-bearing demand deposit accounts, savings and money market accounts, and certificates of deposit. It also provides various loans, including commercial and commercial real estate loans, residential real estate loans, home equity lines of credit, real estate construction loans, and consumer loans. Peoples Bank also sells travelers' checks, money orders, cashier's checks, and credit and debit cards. In addition, it offers a range of life, health, property, and casualty insurance products. The bank also provides investment and trust solutions. Peoples Bank invests in the U.S. treasury securities and obligations of the U.S. government agencies and corporations, obligations of states and political subdivisions, and mortgage-backed securities. As of August 11, 2005 it operated 50 locations and 34 ATMs in Ohio, West Virginia, and Kentucky. Peoples Bancorp was organized in 1980 and is based in Marietta, Ohio.
PREMIER FINANCIAL BANCORP INC (PFBI)
Premier Financial Bancorp, Inc. operates as a multibank holding company that provides community banking services to individuals and small-to-medium sized businesses in Kentucky, Ohio, and West Virginia. The company offers a range of deposit services, including checking accounts, NOW accounts, savings accounts, money market accounts, club accounts, individual retirement accounts, certificates of deposit, and overdraft protection. It also provides various loans principally comprising commercial loans, consumer loans, real estate construction loans, and agricultural loans. In addition, it offers depository and funds transfer services, collections, safe deposit boxes, cash management services, and limited trust services. The company primarily invests in the U.S. government agency or treasury securities, states and municipal obligations, and mortgage backed securities. Through its data processing subsidiary, Premier Data Services, Inc., the company provides centralized data processing services to banks. As of March 15, 2005, it operated 10 banking offices in Kentucky, 3 banking offices in Ohio, and 6 banking offices in West Virginia. Premier Financial Bancorp was incorporated in 1991 and is headquartered in Huntington, West Virginia.
DYNAMIC FINANCIALS SECTOR PORTFOLIO (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.
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.
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.
The PNC Financial Services Group, Inc., along with its subsidiaries, operates as a diversified financial services company in the United States. It provides regional community banking services, including deposit, lending, and cash management services, as well as investment services. The company also offers wholesale banking services, such as lending products, including secured and unsecured loans, letters of credit, and equipment leases; treasury management services, such as cash and investment management, receivables management, disbursement services, funds transfer services, information reporting, and global trade services; capital markets-related products and services, including foreign exchange, derivatives, loan syndications, and securities underwriting and distribution; and commercial loan servicing to mid-sized corporations, government entities, and large corporations. In addition, it serves as investment manager and trustee for employee benefit plans and charitable and endowment assets; provides contribution plan services and investment options, risk management, investment analytics, and enterprise investment system services; and offers mutual fund transfer agency and accounting and administration services. The company serves customers primarily in Pennsylvania, New Jersey, Delaware, Ohio, and Kentucky, as well as in Ireland and Luxembourg. As of September 30, 2005, it operated 830 branch offices and 3,770 ATM's. The PNC Financial Services Group was founded in 1922 and is headquartered in Pittsburgh, Pennsylvania.
AEROSPACE & DEFENSE PORTFOLIO (PPA)
The investment seeks results that correspond generally to the price and yield (before the Fund's fees and expenses) of an equity index called the SPADE(TM) Defense index.
The fund normally invests at least 80% of total assets in common stocks of aerospace and defense companies. It may invest at least 90% of total assets in common stocks that comprise the SPADE(TM) Defense Index. The fund seeks to match the performance of the SPADE(TM) Defense index. It is nondiversified.
PARK NATIONAL CORPORATION (PRK)
Park National Corporation (PNC), a bank holding company, engages in the general commercial banking and trust businesses in Ohio. The company primarily engages in generating deposits and originating loans. Its deposit products primarily include demand, savings, and time accounts. PNC's loan products consist of industrial loans, consumer loans, real estate loans, home equity lines of credit, and commercial and auto leasing. The company also offers trust services, cash management, credit cards, safe deposit operations, electronic funds transfers, and online Internet banking with bill pay service. In addition, it provides financial services, including aircraft leasing, municipal finance, and consumer lending. PNC primarily invests in the obligations of U.S. Treasury and other U.S. Government agencies, obligation of states and political subdivisions, U.S. Government agencies' asset-backed securities, and other asset-backed and equity securities. As of July 18, 2005, the company operated 133 offices in 29 Ohio counties. Park National was formed in 1905 and is headquartered in Newark, Ohio.
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.
PROSPERITY BANCSHARES INC (PRSP)
Prosperity Bancshares, Inc. operates as the holding company for Prosperity Bank (bank). The bank provides a line of financial products and services to small and mediumsized businesses and consumers. It offers various deposit products, such as certificates of deposit, checking with interest accounts, savings accounts, and overdraft protection. The bank provides loans for automobiles and other consumer durables, home equity loans, debit cards, Internet banking, other cash management services, and automated telephone banking. It also provides an array of loan products, including term loans; lines of credit and loans for working capital; business expansion and the purchase of equipment and machinery; interim construction loans for builders; and owner-occupied commercial real estate loans. In addition, the bank invests in U.S. Treasury securities and obligations of U.S. government agencies. As of March 31, 2005, it operated 85 banking locations with 33 in the Greater Houston consolidated metropolitan statistical area; 18 in south and southwest of Houston, and south Texas; 7 in the Austin, Texas; 16 in the Corpus Christi, Texas; and 11 in the Dallas/Fort Worth, Texas. Prosperity Bancshares is headquartered in Houston, Texas.
PULASKI FINANCIAL CORP (PULB)
Pulaski Financial Corp. operates as the holding company for Pulaski Bank, which provides financial products and services for businesses and retail customers. It offers commercial and retail deposit instruments, including checking accounts, negotiable order of withdrawal accounts, money market deposit accounts, regular savings accounts, certificates of deposit, retirement savings plans, and treasury management services. The bank's lending products include adjustable-rate residential mortgage, construction and development, commercial real estate, automobile, unsecured, and other secured consumer goods loans, as well as commercial and industrial loans secured by property and home equity lines of credit. It also invests in the U.S. treasury and agency obligations, debt securities, mortgage-backed securities, and equity securities. In addition, the bank provides traditional title insurance services and products, including owner's policies of insurance, lender's policies of insurance, and miscellaneous title information products. In addition, the bank sells insurance products and annuities. As of September 30, 2005, it operated eight full-service banking offices in St. Louis and Kansas City metropolitan areas. Pulaski Financial Corp. was founded in 1940 and is headquartered in St. Louis, Missouri.
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.
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.
PRIVATEBANCORP INC (PVTB)
PrivateBancorp, Inc. operates as the holding company for The PrivateBank and Trust Company, The PrivateBank - St. Louis, The PrivateBank – Michigan, and a mortgage banking subsidiary, The PrivateBank Mortgage Company. The company, through these subsidiaries, provides private banking and wealth management services primarily to individuals, professionals, entrepreneurs, and their business interests. Its banking subsidiaries offer a range of lending products including lines of credit for working capital, term loans for equipment and other investment purposes, letters of credit, real estate loan products, and construction loans for residential and commercial developments. The banks also offer noncredit products, such as lockbox, cash concentration accounts, merchant credit card processing, electronic funds transfer, other cash management products, and insurance. Its individual banking services include checking and money market accounts, certificates of deposit, automated teller machine/debit cards, investment brokerage accounts, insurance products and securities brokerage services, and domestic and international wire transfers and foreign currency exchange services. The company's wealth management services include investment management, personal trust and estate services, custodial services, retirement accounts, and investment services. PrivateBancorp invests primarily in mortgage-backed securities and collateralized mortgage obligations backed by the United States agencies. As of September 30, 2005, the company had 13 offices located in the Chicago, Detroit, Milwaukee, and St. Louis metropolitan areas. PrivateBancorp was co-founded by Ralph B. Mandell in 1989. The company is headquartered in Chicago, Illinois.
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.
REPUBLIC BANCORP INC (RBCAA)
Republic Bancorp, Inc. operates as the holding company for Republic Bank & Trust Company and Republic Bank & Trust Company of Indiana that provide retail banking services in Kentucky and Indiana. The banks' deposit services comprise demand deposits, money market accounts, Internet money market accounts, savings deposits, certificates of deposit, individual retirement accounts, and brokered deposits. The banks also make various loans, including residential real estate loans, real estate construction loans, commercial real estate loans, consumer loans, home equity loans, and commercial loans. In addition, the banks provide investment management and trust services; and engage in life, long term care, and title insurance sales, as well as in item processing and other related financial institution lines of business. The company invests in the U.S. treasury and government agency securities, mortgage-backed securities, corporate bonds, and other securities. As of June 30, 2005, it had 31 banking centers in Kentucky and 2 in southern Indiana. Republic Bancorp was incorporated in 1974 and is headquartered in Louisville, Kentucky.
ROYAL BANCSHARES OF PENNSYLVANIA INC (RBPAA)
Royal Bancshares of Pennsylvania, Inc. operates as the bank holding company for Royal Bank America, which provides general banking services to individual and corporate customers. The bank's deposit products consist of demand deposits, checking accounts, money market deposit accounts, savings and super NOW, and time deposits. Its loan products include commercial demand; commercial mortgages; residential mortgages, including home equity lines of credit; construction loans; real estate tax liens; and installment loans. Royal Bank also offers safe deposit boxes, collections, Internet banking, and bill payment along with other customary bank services. In addition, it provides drive-up, automated teller machines, and night depository facilities to its customers. The bank's primary service area includes Montgomery, Chester, Bucks, Delaware, Berks and Philadelphia counties, New Jersey; and the State of Delaware. As of December 31, 2004, the bank operated 20 branches in Montgomery, Philadelphia, and Berks counties; and New Jersey. The company was incorporated in 1963 and is headquartered in Narberth, Pennsylvania.
RIVERVIEW BANCORP INC (RVSB)
Riverview Bancorp, Inc. operates as the bank holding company for Riverview Community Bank (bank). The bank provides community banking services to commercial and retail customers. It attracts deposit products, such as demand deposits, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans from general public, as well as originates a range of real estate loans, such as one to four family, multifamily, construction one to four family, construction multifamily, construction commercial, land, and commercial real estate loans; commercial loans; and various consumer loans that include automobile loans, savings account loans, home equity loans, and other consumer loans. The company also operates a trust and financial services company, as well as originates mortgage loans, including construction loans for various mortgage companies predominantly in the Portland, Oregon metropolitan areas. As of June 30, 2005, Riverview Bancorp operated 16 branch offices in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Vancouver, and Longview, Washington. The company is based in Vancouver, Washington.
ROYAL BANK OF CANADA (RY)
Royal Bank of Canada offers a range of banking and financial services in North America and internationally. Its services comprise personal and commercial banking, which include lending, leasing deposit, and transaction products and services to small and medium-sized business, as well as to commercial, farming, and agriculture clients; wealth management services, such as investment and trust products and services through brokerage; asset management; trust services; investment counseling; and a range of life, creditor, health, travel, home, and auto insurance products and services to individuals and business clients. The bank also offers a range of corporate and investment banking, sales and trading, research, and related products and services to corporations, governments, and institutional clients. In addition, it provides debt products, such as loans and bonds, and derivatives; and foreign exchange, commodities, derivatives, and interest rate products, as well as offers brokerage, currency risk management, and advisory services. Further, the bank offers a range of credit and corporate finance products, including debt and equity underwriting, mergers and acquisitions advice, and execution and financial sponsor and private equity investor coverage. Additionally, it provides various credit cards and related payment products and solutions. As of October 31, 2005, the bank operated 1,419 bank branches, 65 business banking centers, and 4,277 automated banking machines. Royal Bank of Canada has a joint venture with Dexia SA to combine their institutional investor services businesses. The bank was formed in 1864 as Merchants Bank. It changed its name to Merchants' Bank of Halifax in 1869; to The Royal Bank of Canada in 1901; and to Royal Bank of Canada in 1990. Royal Bank is headquartered in Toronto, Canada.
Banco Santander-Chile (bank) provides various financial products and services in Chile. The bank offers retail banking products, including consumer loans, credit cards, auto loans, commercial loans, foreign trade financing, and residential mortgage loans to individuals and businesses. It also provides various wholesale banking services, such as commercial lending, leasing, factoring, infrastructure construction financing, trade financing, financial advisory, foreign currency forward contracts, credit lines, and payment and cash management services to real estate, domestic, and multinational companies. In addition, the bank offers securities and insurance brokerage, mutual and investment funds management, investment banking, as well as treasury and risk management products and services. As of September 30, 2005, it operated 335 branches and 1,322 automated teller machines. The bank was founded in 1977 and is headquartered in Santiago, Chile. Banco Santander-Chile is a majority owned subsidiary of Banco Santander Central Hispano S.A.
SANDY SPRING BANCORP INC (SASR)
Sandy Spring Bancorp, Inc. operates as the holding company for Sandy Spring Bank that offers commercial banking to individuals and businesses in Maryland. It accepts interest-bearing demand deposits, regular savings, money market savings, and time deposits. The bank offers commercial and residential real estate loans, which include residential mortgages, residential construction, commercial real estate, commercial construction, leases, and other commercial loans. It also offers various other services, including lines of credit, equipment leasing, general insurance, and personal trust services. It invests primarily in the U.S. agency, state and municipal, mortgage-backed, corporate debt, trust preferred, and marketable equity securities. As of October 3, 2005, the bank operated 31 community offices in Anne Arundel, Carroll, Frederick, Howard, Montgomery, and Prince George's Counties in Maryland. The company was founded in 1868 and is headquartered in Olney, Maryland.
THE 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.
STERLING BANCSHARES INC (SBIB)
Sterling Bancshares, Inc. operates as the holding company for the Sterling Bank, which provides commercial and consumer banking services in the United States. It accepts demand, savings, and time deposits, as well as offers commercial, real estate, and consumer loans; merchant credit card services; letters of credit; and cash and asset management services. In addition, it offers sales of brokerage, mutual fund, alternative financing, and insurance products through third party vendors. As of June 30, 2005, the bank operated 35 banking offices in the greater metropolitan areas of Houston, San Antonio, and Dallas in Texas. The company was founded in 1974 and is headquartered in Houston, Texas.
Santander Bancorp, through its wholly owned banking subsidiary, Banco Santander Puerto Rico (bank), offers various financial services to small and medium-size businesses, corporations, and individuals in Puerto Rico. It offers cash management, bank card products, letters of credit, and various foreign trade-related services, as well as provides mortgage banking services through its wholly owned subsidiary, Santander Mortgage Corporation. The company also offers broker-dealer and asset management services through its subsidiary, Santander Securities Corporation. Its other subsidiary, Santander Insurance Agency, offers insurance products and services, including life, disability, unemployment, and title insurance as a corporate agent; and also offers bid, payment and performance bonds, and insurance to cover equipment and auto leases as a general agent. The bank invests in the securities of Treasury and agencies of the United States Government; Commonwealth of Puerto Rico and its subdivisions; and mortgage-backed and foreign securities. As of September 30, 2005, it operated 65 branches and 150 automated teller machines. The company was founded in 1976 and is based in Hato Rey, Puerto Rico. Santander Bancorp is a majority owned subsidiary of Banco Santander Central Hispano, S.A.
SOUTHSIDE BANCSHARES INC (SBSI)
Southside Bancshares, Inc. operates as the holding company for the Southside Bank that provides commercial banking services in east Texas. The bank engages in generating deposits and originating loans. Its deposit products include demand, savings, time, money market, and checking accounts, as well as certificates of deposit. The bank's loan portfolio comprises consumer, commercial, and construction loans. Southside Bank's consumer loan services include 1-4 family residential mortgage loans, home equity loans, home improvement loans, automobile loans, and other installment loans. Its commercial loan services include short-term working capital loans for inventory and accounts receivable, short and medium-term loans for equipment or other business capital expansion, commercial real estate loans, and municipal loans. The bank also offers construction loans for 1-4 family residential and commercial real estate. In addition, it provides trust, safe deposit, and brokerage services. Southside Bank's trust services include investment, management, administration, and advisory services, primarily for individuals, as well as for partnerships and corporations. The bank primarily invests in the obligations of the U.S. Treasury, the U.S. government agencies, mortgage-backed Securities, and state and political subdivisions. As of December 31, 2004, it operated 22 branches in the counties of Tyler, Longview, Lindale, Jacksonville, Bullard, Chandler, and Whitehouse, Texas. Southside Bancshares is based in Tyler, Texas.
SHORE BANCSHARES INC (SHBI)
Shore Bancshares, Inc. operates as a holding company that provides various financial products and services in Maryland and Delaware. It offers various deposit products, including demand, savings, and time deposits, as well as negotiable order of withdrawal accounts. The company's loan portfolio comprises commercial, financial, and agricultural loans; real estate mortgage and construction loans; and consumer loans. It also provides safe deposit boxes, debit cards, telephone banking, Internet banking, and automatic teller machine services. The company primarily invests in the obligations of the U.S. government agencies, states and political subdivisions, and mortgage-backed securities. As of June 30, 2005, it operated 15 branches in the Eastern Shore of Maryland and in Delaware. In addition, the company offers a range of insurance products and services, and investment advisory services. The company was formed in 1876 and is based in Easton, Maryland.
SVB FINANCIAL GROUP (SIVB)
SVB Financial Group operates as the holding company for the Silicon Valley Bank. It operates in three segments: Commercial Banking (CB), SVB Capital (SVBC), and Other. The CB segment offers term and equipment loans, revolving lines of credit, accounts-receivable based lines of credit, asset-based loans, real estate loans, vineyard development loans, and loans for housing projects. Its deposit products include checking accounts, certificates of deposit, and money market accounts. The CB segment also provides wire transfers, automated clearing house payment services, collection and disbursement services, and online banking; lockbox and merchant services; and foreign exchange services, loans and credit facilities guaranteed by the Export-Import Bank of the United States, and letters of credit. In addition, it provides investment advisory; treasury and cash portfolio management; and reporting and monitoring services. The SVBC segment makes investments in venture capital and other private equity companies; manages venture funds; and offers services to assist private equity firms with liquidating securities following initial public offerings, and mergers and acquisitions. The Other segment provides credit services to high-net-worth individuals, which include home equity and secured lines of credit, restricted stock purchase loans, airplane loans, and capital call lines of credit. It also provides investment banking services, including merger and acquisition services, strategic alliances services, and valuations and fairnsess opinions. The Other segment also offers global banking products and personal investment advisory services. The company offers its products and services through its 26 offices in the United States and 3 foreign subsidiaries located in London, England; Bangalore, India; and Shanghai. The company was formerly known as Silicon Valley Bancshares and changed its name to SVB Financial Group in May 2005. SBV is headquartered in Santa Clara, California.
Sun Bancorp, Inc. operates as the holding company for Sun National Bank that provides consumer and business banking services in central and southern New Jersey. It accepts checking, regular savings, money market deposits, term certificate accounts, and individual retirement accounts. The bank offers short-and long-term business loans, lines of credit, commercial real estate loans, and real estate construction loans, home equity loans, second mortgage loans, and residential real estate loans. It also offers cash management services, electronic banking, sweep accounts, lockbox services, Internet banking, PC banking, and controlled disbursement, and other financial services. The bank, third party arrangement, offers mutual funds, securities brokerage, annuities, and investment advisory services. It invests primarily in federal funds, securities issued or guaranteed by the United States government or its agencies, states and political subdivisions, and corporate bonds. As of December 31, 2004, the bank operated 73 community banking centers in southern and central New Jersey, in the contiguous New Castle County market in Delaware, and in Philadelphia, Pennsylvania. The company was founded in 1985 and is headquartered in Vineland, New Jersey.
SYNOVUS FINANCIAL CORPORATION (SNV)
Synovus Financial Corp., a holding company, provides various financial services. It operates in two segments, Financial Services and Transaction Processing Services (TPS). The Financial Services segment provides commercial banking services, including commercial, financial, agricultural, and real estate loans; retail banking services, including accepting demand and savings deposits; individual, consumer, installment, and mortgage loans; safe deposit services; leasing services; automated banking and fund transfer services; and bank credit card services. It also provides portfolio management services; securities brokerage; trust services; insurance agency services; financial planning services; asset management services; and investment advisory services. The TPS segment primarily provides electronic payment processing services in the United States, Canada, Mexico, Honduras, Puerto Rico, and Europe. It also provides back-end processing services to support merchant processing and offers other products and services to support its processing services. In addition, the TPS segment provides commercial printing and related services; programming support and assistance with the conversion of card portfolios to TS2; recovery collections, bankruptcy process and legal account management, and skip tracing services; Internet, Intranet, and client/server software solutions for commercial card management programs; targeted loyalty consulting, as well as travel, gift card, and reward programs; gift card processing services to Japanese clients; prepaid card solutions; and sells and leases computer related equipment associated with its electronic payment processing services. As of April 26, 2005, Synovus operated 41 banks and other Synovus' offices in Georgia, Alabama, South Carolina, Florida, and Tennessee. The company was formed in 1888 and was formerly known as CB&T Bancshares, Inc. It changed its name to Synovus Financial Corp. in 1989. Synovus is headquartered in Columbus, Georgia.
1ST SOURCE CORPORATION (SRCE)
1st Source Corporation operates as the holding company for 1st Source Bank, which offers consumer and commercial banking services. It accepts demand deposits, savings deposits, time deposits, and certificates of deposit, as well as offers commercial, agricultural, real estate loans, and consumer mortgage loans secured by the properties to the individual and business customers in the northern Indiana and southwestern Michigan regional market area. The bank also offers financing services for new and used private and cargo aircraft, automobiles, and light trucks for leasing and rental agencies, medium and heavy duty trucks, construction equipment, and environmental equipment. The company also offers asset management, trust, insurance, and investment management services. As of December 31, 2004, it operated 69 automated teller machines in 62 banking locations in 15 countries. The company is headquartered in South Bend, Indiana.
S&T Bancorp, Inc. operates as the holding company for the S&T Bank, which offers commercial banking services. It accepts demand, NOW/money market, savings, and time deposits, as well as offers provides commercial, mortgage, and industrial; residential real estate mortgage; and installment loans. The bank also provides letters of credit, discount brokerage services, personal financial planning, and credit card services. The company, through its non banking subsidiaries, acts as a reinsurer of credit life, and accident and health insurance policies, and distributes life insurance and long term disability income insurance products. As of September 30, 2005, the company operated 50 offices located in Allegheny, Armstrong, Blair, Butler, Cambria, Clarion, Clearfield, Indiana, Jefferson, and Westmoreland counties of Pennsylvania. S&T was incorporated in 1983 and is headquartered in Indiana, Pennsylvania.
BANCO SANTANDER S.A (STD)
Banco Santander Central Hispano, S.A. (BSCH) offers a range of financial products and services in Spain, the United Kingdom, Portugal, Germany, Italy, Latin America, and in other countries. The company operates in three segments: Retail Banking, Asset Management and Insurance (AMI), and Global Wholesale Banking (GWB). Retail Banking segment engages in customer banking businesses, which include deposit taking, personal loans and consumer finance, mortgage lending, bill discounting, leasing, factoring, mutual and pension funds distribution, life and nonlife insurance distribution, credit and debit card operations, remote banking services, automobile financing, money transfers, and various other products and services. AMI segment engages in the design and management of mutual and pension funds, and insurance products. GWB segment covers the company's corporate banking, treasury, and investment banking activities. The corporate banking activities include bill discounting, global cash management, treasury management, risk mitigation, trade finance, and correspondent banking services. The treasury operations manage money, foreign exchange, and fixed-income trading using conventional instruments and derivatives. Investment banking operations include brokerage, corporate finance, structured and project finance, and custody services. The company also operates in the area of financial management and equity stakes, which incorporates the centralized activities relating to equity stakes in industrial and financial companies; financial management of the structural exchange rate position; and management of liquidity and of shareholders' equity through issues and securitizations. As of June 30, 2005, BSCH operated 10099 branches. The company was formerly known as Banco Santander, S.A. and changed its name to Banco Santander Central Hispano, S.A. in 1999. BSCH is headquartered in Madrid, Spain.
SunTrust Banks, Inc., a financial services holding company, provides various financial services to consumer and corporate customers in the United States. The company operates in six segments: Retail, Commercial, Corporate and Investment Banking (CIB), Wealth and Investment Management (WIM), Mortgage, and National Commerce Financial (NCF). The Retail segment offers loans, deposits, and other fee-based services to consumer and private banking clients, as well as for business clients. The Commercial segment provides enterprises with an array of financial products and services, including commercial lending, treasury management, financial risk management, and corporate bankcards. Its customers primarily include commercial, middle market, commercial real estate, and government/not-for-profit entities. CIB segment engages in corporate banking, investment banking, capital markets businesses, commercial leasing, receivables capital management, and merchant banking. WIM segment provides an array of wealth management products and professional services to both individual and institutional clients. The Mortgage segment offers residential mortgage products through its retail, broker, and correspondent channels. NCF offers commercial and retail banking, savings, and trust services. The company offers its products and services primarily in Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Virginia, West Virginia, and the District of Columbia. In addition, it provides customers with a selection of technology-based banking channels, including Internet, personal computer, and telephone banking. As of September 30, 2005, the company had 1,647 branches, and 2,769 automated teller machines. SunTrust was founded in 1891 and is headquartered in Atlanta, Georgia.
Sterling Bancorp operates as a holding company for Sterling National Bank, which provides commercial banking services in the United States. The bank accepts deposits, including demand, NOW, savings, money market, and time deposits. It also offers consumer loans, commercial and residential mortgage lending and brokerage, asset based financing, and factoring/accounts receivable management services. Its securities portfolio comprises of U.S. government and U.S. government corporation, and agency guaranteed mortgage backed securities. The company, through its other subsidiaries, provides trade financing, equipment leasing, deposit services, trust and estate administration, and investment management services. As of December 31, 2004, the bank operated eight offices in New York City; one branch in Nassau County in Great Neck, New York; and one branch in Yonkers, New York. The company was founded in 1929 and is headquartered in New York City.
STERLING FINANCIAL CORPORATION (STSA)
Sterling Financial Corporation operates as the holding company for Sterling Savings Bank, which provides community banking services to individual and corporate customers. The bank offers various deposit accounts, which include money market demand accounts, checking accounts, savings accounts, and certificates of deposit. Its loan products primarily include commercial real estate, business banking, consumer loans, and construction loans. In addition, the bank offers tax-deferred annuities, mutual funds, and other financial products. Sterling Savings Bank invests in asset-backed securities issued by Federal Home Loan Mortgage Corporation and Federal National Mortgage Association, as well as in other agency obligations. As of June 30, 2004, the bank operated 135 retail branches located in Washington, Oregon, Idaho, and Montana. Sterling Financial Corporation was formed in 1983 and is headquartered in Spokane, Washington.
State Street Corporation operates as the holding company for State Street Bank and Trust Company, which provides a range of products and services for investors worldwide. The company operates in two lines of businesses, Investment Servicing and Investment Management. Investment Servicing business provides services for U.S. mutual funds, collective funds worldwide, corporate and public retirement plans, insurance companies, foundations, endowments, and other investment pools. Its products include custody, accounting, daily pricing, and administration; master trust and master custody; recordkeeping; foreign exchange and trading services; securities lending; deposit and short-term investment facilities; loans and lease financing; investment and hedge fund manager operations outsourcing; and performance, risk, and compliance analytics to support institutional investors. Investment Management business offers an array of services for managing financial assets, including investment management and investment research services, primarily for institutional investors. Its services include U.S. and non-U.S. equity and fixed income strategies, and other related services, such as securities lending. As of December 31, 2004, the company provided its services from 21 offices in the United States; and from offices in Australia, Austria, Belgium, Canada, Cayman Islands, Chile, France, Germany, Ireland, Italy, Japan, Luxembourg, the Netherlands, Netherlands Antilles, New Zealand, People's Republic of China, Singapore, South Africa, South Korea, Switzerland, Taiwan, Thailand, United Arab Emirates, and the United Kingdom. State Street Corporation was organized in 1832 and is headquartered in Boston, Massachusetts.
Suffolk Bancorp operates as the holding company for Suffolk County National Bank, which provides domestic, retail, and commercial banking services, as well as trust services primarily in Suffolk County, New York. The bank accepts checking accounts, savings accounts, time and savings certificates, money market accounts, negotiable-order-of-withdrawal accounts, holiday club accounts, and individual retirement accounts. It also offers loans secured by real estate, including residential mortgages; real estate construction loans; loans that are secured by commercial real estate; home equity loans; consumer loans; and other loans. It also offers secured and unsecured loans, including commercial loans to individuals, partnerships, and corporations; agricultural loans to farmers; installment loans to finance small businesses; mobile home loans; automobile loans; home equity and real estate mortgage loans; safe deposit boxes; trust and estate services; the sale of mutual funds and annuities; and the maintenance of a master pension plan for self-employed individuals' participation. The bank invests in U.S. treasury securities, U.S. government agency debt securities, collateralized mortgage obligations agency issues, collateralized mortgage obligations private issues, mortgage-backed securities, and obligations of states and political subdivisions. As of December 31, 2004, the bank operated 26 offices throughout Suffolk County, New York. Suffolk Bancorp was founded in 1890 and is based in Riverhead, New York.
SUSQUEHANNA BANCSHARES INC (SUSQ)
Susquehanna Bancshares, Inc., through its subsidiaries, provides various retail and commercial banking services. The banks accepts checking, savings and club accounts, check cards, debit cards, money market accounts, cash management services, certificates of deposits, and individual retirement accounts. These banks also offers home equity lines of credit, residential mortgage loans, home improvement loans, student loans, automobile loans, personal loans, land acquisition and development loans, commercial loans, floor plan, equipment and working capital lines of credit, small business loans, and internet banking services. The company, through its other nonbanking subsidiaries, provides commercial and personal property and casualty insurance, and risk management programs; traditional trust and custodial services; investment advisory, asset management, and brokerage services for institutional and high net worth individual clients; consumer vehicle financing services; and commercial leasing services. The company is based in Lititz, Pennsylvania.
TCF FINANCIAL CORPORATION (TCB)
TCF Financial Corporation operates as the holding company for the TCF National Bank that offers banking services in the United States. The bank offers various products, which include commercial, small business, consumer, and residential mortgage loans, as well as deposit products. Its deposit instruments include consumer, small business, and commercial demand deposit accounts; interest-bearing checking accounts; money market accounts; regular savings accounts; certificates of deposit; and retirement savings plans. It also provides commercial real estate loans and education loans, as well as issues standby letters of credit. In addition, the bank offers leasing and equipment finance, securities brokerage, and investment and insurance services. As of September 30, 2005, the bank operated 442 banking offices in Minnesota, Illinois, Michigan, Wisconsin, Colorado, and Indiana. TCF Financial Corporation is based in Wayzata, Minnesota.
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.
TORONTO DOMINION BANK (TD)
The Toronto-Dominion Bank and its subsidiaries provide retail and commercial banking, wealth management, and wholesale banking products and services in the United States, Canada, and internationally. The bank operates in four segments: Canadian Personal and Commercial Banking, U.S. Personal and Commercial Banking, Wholesale Banking, and Wealth Management. The Canadian Personal and Commercial Banking segment provides mortgages and home equity lines of credit, dollar checking, savings and term investment vehicles loans, overdraft protection products, credit cards, small business banking and merchant services, lending, deposits, investment, life and health insurance, and personal automobile and home insurance. The U.S. Personal and Commercial Banking segment offers checking, savings, money-market, term investment, merchant services, and cash management products; wealth advisory, investment management, and investment advisory services; insurance products and services, including homeowners, automobile, property and casualty, and employee benefits; and loans and loan-related services for commercial real estate, commercial businesses, residential real estate, and consumers. The Wholesale Banking segment provides corporate lending, trade finance, and related services; advice on corporate strategy, mergers and acquisitions, structuring tailored risk management solutions, and executing financial transactions, as well as on underwriting and distributing loan, debt, and equity products. The Wealth Management segment offers advisory, distribution, and asset management services; and discount brokerage, financial planning, and private client services. As of October 31, 2005, the bank operated approximately 2,400 automated banking machines and a network of 1,014 branches in Canada; and approximately 556 automated banking machines and 397 branches in the United States. The Toronto-Dominion Bank was formed in 1855 and is headquartered in Toronto, Canada.
FIRST FINANCIAL CORPORATION INDIANA (THFF)
First Financial Corporation, through its subsidiaries, offers various financial services in Indiana and Illinois. It offers demand, savings, time, and certificates of deposit; and originates commercial, financial, agricultural, real estate construction and mortgage, installment, and lease financing loans. The company also offers trust account services; and insurance services, such as property and casualty insurance, surety bonds, employee benefit plans, life insurance, and annuities. It invests in U.S. Government entity mortgage-backed and equity securities; collateralized mortgage; and state and municipal, and corporate obligations. As of December 31, 2004, First Financial had 46 branches in west-central Indiana and east-central Illinois. The company is headquartered in Terre Haute, Indiana.
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
TIB FINANCIAL CORPORATION (TIBB)
TIB Financial Corp. operates as the holding company for TIB Bank, which provides commercial and retail banking and financial services primarily in Florida. The bank accepts checking, interest-bearing checking, money market, savings, NOW, certificates of deposit, and individual retirement accounts. It provides commercial loans, including commercial real estate; acquisition, development, and construction loans; loans on income-producing properties; short-term working capital loans; loans on inventory and receivable facilities; and equipment loans. The bank also offers consumer loans that include residential real estate, installment loans, home equity lines, and indirect auto dealer loans. Further, it provides debit cards; nondeposit investment products, such as variable and fixed rate annuities, and mutual funds and annuities; Internet banking; and electronic bill payment services. The bank invests in U.S. treasury securities, securities of U.S. government agencies and corporations, obligations of states and political subdivisions, marketable equity securities, and mortgage-backed securities. As of September 30, 2005, the bank had 16 branches located in Monroe, Miami-Dade, Collier, and Lee counties, Florida. The company was founded in 1973 and is headquartered in Naples, Florida.
TOMPKINSTRUSTCO INC (TMP)
Tompkins Trustco, Inc. operates as a holding company for the Tompkins Trust Company, The Bank of Castile, and The Mahopac National Bank, which offer commercial banking services in the United States. The banks offer loans for various business purposes, including real estate financing, construction, equipment financing, accounts receivable financing, and commercial leasing. It also accepts retail banking services, including checking accounts, savings accounts, time deposits, IRA products, and brokerage services, as well as offer residential mortgage, personal, home equity, credit cards, debit cards, and safe deposit services. The banks offer its through various delivery systems, including branch facilities, automated teller systems, voice response, and Internet banking. In addition, it offers other commercial services that include deposit and cash management services, letters of credit, sweep accounts, credit cards, purchasing cards, merchant processing, and Internet-based account services. The company also provides money management services, including investment management accounts, custody accounts, trusts, retirement plans and rollovers, estate settlement, and financial planning, as well as insurance services. Its securities portfolio consists of U.S. government and agency securities, obligations of states and political subdivisions, equity securities, and interest-bearing deposits. Tompkins was founded in 1995 and is headquartered in Ithaca, New York.
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.
TRUSTMARK CORPORATION (TRMK)
Trustmark Corporation, through its wholly owned subsidiaries, provides banking and financial services to corporate, institutional, and individual customers in Florida, Mississippi, Tennessee, and Texas. It operates in three segments: General banking, Wealth management, and Insurance. The General banking segment offers consumer banking services, including checking accounts, savings programs, overdraft facilities, installment and real estate loans, home equity loans and lines of credit, drive-in and night deposit services, automated teller machine (ATM) services, and safe deposit facilities. It also provides financing for commercial real estate development projects; residential real estate financing for builders, developers, and individuals; cash management products to corporate customers and prospects; and mortgage products and services, as well as develops Internet banking for business clients. The Wealth Management segment provides financial services, such as private banking, money management, full-service brokerage, financial planning, risk management, personal and institutional trust, and retirement services. The Insurance segment provides various retail and wholesale insurance products, including commercial risk management products, bonding, group benefits, and personal lines coverages, as well as offers property and liability insurance, automotive insurance, worker's compensation, professional liability, group accident and health insurance, life insurance, contract surety bonds, and personal insurance. The company invests in U.S. treasury and other U.S. government agencies, obligations of states and political subdivisions, mortgage-backed securities, and corporate debt securities. As of December 31, 2004, it operated 149 branches and 189 ATMs in 173 locations. The company was founded in 1889 and is headquartered in Jackson, Mississippi.
TRUSTCO BANK CORP NY (TRST)
TrustCo Bank Corp NY operates as the holding company for TrustCo Bank, which provides general banking services. It accepts deposits and makes loans and investments. It accepts checking, savings, money market, Time deposits accounts. The bank also offers commercial, residential mortgage, and installment loans, as well as home equity line of credit. As of December 31, 2004, The bank operated 72 automatic teller machines and 75 banking offices in Albany, Columbia, Dutchess, Greene, Montgomery, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Warren, Washington and Westchester counties of New York State; Sarasota, Seminole, and Orange counties in Florida; and Bennington County in Vermont. TrustCo Bank Corp was founded in 1902 and is based in Glenville, New York.
SOUTH FINANCIAL GROUP INC (TSFG)
The South Financial Group, Inc. operates as the bank holding company for Carolina First Bank and Mercantile Bank that provide a range of financial products and services to small and middle market businesses, and consumers. The company's financial services include consumer and commercial banking, cash management, insurance, investments, wealth management, mortgage, and trust services. Its commercial and consumer banking services comprise deposit accounts, secured and unsecured loans through direct and indirect channels, residential mortgage originations, trust functions, safe deposit services, and Internet banking services. As of July 21, 2005, The South Financial Group operated 167 branch offices in Florida, North Carolina, and South Carolina. It invests primarily in the U.S. Treasury, U.S. Government agencies, mortgage-backed securities, state and municipals, and corporate bonds. The company was founded in 1986 and is headquartered in Greenville, South Carolina.
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.
UBS AG engages in wealth management, investment banking and securities, asset management, and retail and commercial banking activities worldwide. The company provides wealth management services through consultative relationships with the company's clients. It offers investment banking and securities, such as equity, equity-linked, and equity derivative products, and fixed income securities, including government, mortgage-backed, corporate, and municipal bonds. UBS AG's asset management services provide investment management solutions to private clients, financial intermediaries, and institutional investors. The company's retail banking and services include banking and securities services in Switzerland. UBS AG also engages in private banking operations. The company was founded in 1862 and is based in Zurich, Switzerland.
UNION BANKSHARES CORPORATION (UBSH)
Union Bankshares Corporation operates as a holding company for the Union Bank & Trust Company, Northern Neck State Bank, Rappahannock National Bank, and Bank of Williamsburg, which provide commercial banking services. The banks accept checking, savings, certificates of deposits, and other depository services, as well as offer loans for commercial, industrial, residential mortgage, and consumer purposes. These banks also issue credit cards and deliver automated teller machine services, and offer Internet banking access for banking services and online bill payment for both consumers and commercial companies. The company was founded in 1902 and is headquartered in Bowling Green, Virginia.
UNITED BANKSHARES INC (UBSI)
United Bankshares, Inc., through its banking subsidiaries, engages in community banking business. It accepts checking, savings, time, and money market deposit accounts, as well as offers personal, commercial, floor plan, student, construction, and real estate loans. The company also provides individual retirement accounts, safe deposit boxes, and wire transfers; and credit card, telephone banking, and Internet banking services. It acts as trustee under wills, trusts, and pension and profit sharing plans; as an executor and administrator of estates; as guardian for estates of minors and incompetents; and performs various investment and security services. In addition, the company provides services, such as check clearing, safekeeping, and the purchase and sale of federal funds to its correspondent banks. It also owns nonbanking subsidiaries, which offer asset management, real property title insurance, investment banking, financial planning, and brokerage services. In addition, the company invests in U.S. treasury securities and obligations of U.S. Government corporations and agencies, state and political subdivisions, and mortgage-backed and marketable equity securities. Its principal market area includes Parkersburg, Charleston, Huntington, Morgantown, and Wheeling, West Virginia; and Arlington, Fairfax, Loudoun, and Prince William counties, Virginia. As of December 31, 2004, the company operated 90 full service offices, including 52 offices in West Virginia; 35 in the Northern Virginia, Maryland, and Washington, D.C. areas; and 3 in Ohio. United Bankshares is headquartered in Charleston, West Virginia.
UCBH Holdings, Inc. operates as the holding company for United Commercial Bank, which offers commercial and consumer banking products to businesses and individuals in California and New York, as well as in Hong Kong. The bank attracts various deposits, including checking accounts, money market accounts, savings accounts, NOW accounts, individual retirement accounts, and time deposits. Its loan portfolio comprises residential and commercial real estate loans, construction loans, commercial loans, accounts receivable and inventory loans, short-term trade finance facilities, loans guaranteed by the U.S. Small Business Administration, and home equity lines of credit. The bank also provides specialized services, including international trade services, merchant bank card services, cash management services, brokerage investment products and services, and online banking services. In addition, it provides trade finance facilities for customers involved in the import and export of goods between Asia and the United States. UCBH Holdings, through its other subsidiary, UCB Investment Services, Inc., acts as a broker in sale of mutual funds; listed and over-the-counter equities; and corporate, municipal, and U.S. government debt, as well as sells variable annuities and covered options. The company also invests in trust preferred securities, foreign debt securities, asset-backed securities, corporate bonds, commercial paper, federal agency notes, and mortgage-backed securities. As of December 31, 2004, it operated 46 branches/offices in the State of California, 2 branches in Greater New York, a branch in Hong Kong, China, and representative offices in Shenzhen, China and Taipei, Taiwan. UCBH Holdings is headquartered in San Francisco, California.
UNITED COMMUNITY FINANCIAL CORP (UCFC)
United Community Financial Corp. operates as the holding company for Home Savings and Loan Company of Youngstown, Ohio that provides commercial and consumer banking services principally in Ohio. The bank primarily engages in the origination of mortgage loans on one to four-family residential real estate located in Ohio and Beaver County in Pennsylvania. It also originates loans secured by multifamily and nonresidential real estate; loans for the construction of one- to four-family residences, multifamily properties, and nonresidential real estate projects; commercial loans; and various types of consumer loans, including home equity, auto, education, and other loans. Home Savings and Loan Company's deposit products include passbook savings accounts, demand deposits, individual retirement accounts, negotiable order of withdrawal accounts, money market accounts, and certificates of deposit. It primarily invests in the obligations of the U.S. government and agencies and corporations, states and political subdivisions, mortgage-backed securities, and collateralized mortgage obligations. United Community also sells common and preferred stocks; an array of government, corporate, and municipal bonds; and unit trusts and mutual funds. In addition, it offers investments in precious metals and life insurance and annuity products, personal and corporate financial planning, fiduciary services, estate planning, pension, and profit sharing. As of September 30, 2005, the bank operated 36 branch offices and 6 loan production offices; and the company operated 14 office locations for providing investment alternatives for individuals, companies, and not-for-profit organizations in Ohio and western Pennsylvania. United Community was founded in 1889 and is based in Youngstown, Ohio.
UMB FINANCIAL CORPORATION (UMBF)
UMB Financial Corporation operates as a multibank holding company, which offers various banking and other financial services. The company, through its subsidiaries, offers commercial banking and lending, corporate, banking, consumer, asset management, and investment services. The commercial banking and lending services include provision of commercial loans and lines of credit, letters of credit, loan syndication services, and consultative services. The corporate services comprise account reconciliation services, automated clearing house, controlled disbursements, lockbox services, and various card products and services, as well as dividend disbursing/reinvestment, employee stock purchase plans and services. The banking services consist of provision of bank stock loans, cash letter collections, FiServ account processing, international payments, foreign exchange, investment portfolio accounting, and safekeeping. The company also consumer services, including deposit accounts, installment loans, credit cards, home equity lines of credit, residential mortgages, and brokerage and insurance services. Its asset management services include estate planning, trust, retirement planning, and investment management services to individuals and institutional customers; and full trust and personal banking services to high net worth individuals. The investment services comprise fund administration and accounting, transfer agency, distribution services, marketing, shareholder communications, custody, and cash management services for mutual funds, hedge funds, separate accounts, and commingled funds. The treasury and other adjustments services consist of asset and liability management activities and other miscellaneous items. The company operates in Missouri, Kansas, Colorado, Illinois, Oklahoma, Arizona, Nebraska, and Wisconsin. UMB Financial was organized in 1967 and is based in Kansas City, Missouri.
UMPQUA HOLDINGS CORPORATION (UMPQ)
Umpqua Holdings Corporation, a financial holding company, engages primarily in commercial and retail banking, as well as in the delivery of retail brokerage services principally in Oregon and northern California. The company, through its wholly owned banking subsidiary Umpqua Bank (bank), provides various banking, asset management, mortgage banking, and other financial services to corporate, institutional, and individual customers. Umpqua Holdings provides various retail brokerage services through its wholly owned subsidiary Strand, Atkinson, Williams & York, Inc. (Strand). The bank offers various deposit products, including noninterest-bearing checking accounts, interest-bearing checking and savings accounts, money market accounts, and certificates of deposit. It provides loans for business and commercial customers, including accounts receivable and inventory financing, equipment loans, real estate construction loans, and permanent financing and SBA program financing. The bank also offers real estate loans for construction, purchase, and refinancing of residential owner-occupied and rental properties. In addition, it provides loans to individual borrowers for various purposes, including secured and unsecured personal loans, home equity and personal lines of credit, and motor vehicle loans. As of December 31, 2004, the bank had operations in 93 locations. Strand operates as a broker-dealer and investment advisor. It provides brokerage services, including equity and fixed income products, mutual funds, annuities, options, retirement planning, and money management services. In addition, Strand offers life insurance, disability insurance, and medical supplement policies. The company is headquartered in Portland, Oregon.
Unity Bancorp, Inc. operates as the holding company for Unity Bank (bank). The bank conducts traditional and community-oriented commercial banking; and offers services, including personal and business checking accounts, time deposits, money market accounts, and regular savings accounts. The company engages in a range of lending activities and offers commercial, small business administration, consumer, mortgage, home equity, and personal loans. In addition, the bank also offers personal investment advisory services. The bank's investment portfolio includes general obligation claims of states or other political subdivisions of the United States, municipal or state revenue bonds, and direct obligations of the U.S. Treasury or obligations backed by the full faith and credit of the U.S. Government. As of September 30, 2005, the bank provided its commercial and retail banking services through 13 branch offices located in Hunterdon, Somerset, Middlesex, and Union counties in New Jersey. The company operates Unity (NJ) Statutory Trust I, a statutory business trust and a wholly owned subsidiary. Unity Bancorp was organized in 1991 and is based in Clinton, New Jersey.
U.S. Bancorp, a financial holding company, provides various financial services, including lending and depository services, cash management, foreign exchange, and trust and investment management services in the United States. Its depository services include checking accounts, savings accounts, and time certificate contracts. The company's loan portfolio primarily comprises loans and credit lines, home equity loans, student loans, auto loans, personal loans, and personal lines of credit. It also offers credit card services, merchant and automated teller machine (ATM) processing, mortgage banking, insurance, brokerage, leasing, and investment banking. The company also provides banking, brokerage, insurance, investment, mortgage, trust, and payment services to individuals, businesses, and institutions. U.S. Bancorp's other products and services include corporate services, payment services, private banking, personal and institutional trust services, corporate trust services, specialized large-scale government banking services, mortgage, commercial credit vehicles, and financial and asset management services. In addition, it provides check conversion products and services, including onsite electronic deposit and electronic cash letter, and health savings accounts. The company primarily invests in the U.S. treasury securities, obligations of state and political subdivisions, debt securities, mortgage-backed securities, and asset-backed securities. As of November 22, 2005, the company operated 2,411 branches and 4,999 ATMs in 24 states. U.S. Bancorp is headquartered in Minneapolis, Minnesota.
VIRGINIA COMMERCE BANCORP (VCBI)
Virginia Commerce Bancorp, Inc. operates as the holding company for Virginia Commerce Bank (bank), which offers a range of business and consumer banking services. The bank provides deposit services, including NOW accounts, money market accounts, savings accounts, and time deposits; and an array of lending services, such as commercial loans, commercial real estate loans, lines of credit, equipment financing, construction loans, letters of credit, and residential mortgages. It also offers other services, such as electronic funds transfer services, lock-box services, PC banking, and lines of credit for working capital. As of September 30, 2005, the bank operated 18 branch offices, 2 residential mortgage offices, and 1 investment services office in the Northern Virginia suburbs of Washington, D.C. Its customer base primarily consists of individuals and small-to-medium sized businesses. Virginia Commerce was founded in 1988 and is headquartered in Arlington, Virginia.
VALLEY NATIONAL BANCORP (VLY)
Valley National Bancorp operates as the holding company for Valley National Bank, which provides commercial and retail banking services. It accepts demand, savings, and time deposits. The bank also offers consumer, real estate, small business administration, and other commercial credits. In addition, it offers equipment leasing and personal and corporate trust services, as well as pension and fiduciary services. The company, through its other subsidiaries, provides title insurance agency services, investment advice and securities brokerage services. As of December 31, 2004, the bank operated 133 branch offices located in northern New Jersey and Manhattan. Valley National Bancorp was founded in 1927 and is headquartered in Wayne, New Jersey.
WESTAMERICA BANCORPORATION (WABC)
Westamerica Bancorporation operates as a holding company for the Westamerica Bank, which provides banking services to individual and corporate customers in northern and central California. The bank primarily attracts deposits from local businesses and professionals, as well as through retail certificates of deposit, savings, and checking accounts. Its loan portfolio primarily includes consumer loans, commercial real estate loans, residential real estate loans, and real estate construction loans. Westamerica Bank invests in a portfolio of securities consisting of the U.S. government sponsored entities, state and political subdivisions, asset-backed, and other securities. As of August 25, 2005, the bank operated 88 branches and 2 trust offices in 21 counties. The company was formed in 1972 as Independent Bankshares Corporation and changed its name to Westamerica Bancorporation in 1983. Westamerica Bancorp. is headquartered in San Rafael, California.
WAINWRIGHT BANK & TRUST COMPANY (WAIN)
Wainwright Bank & Trust Company operates as a commercial bank in Massachusetts. It engages in attracting deposit from the general public and private customers; originating residential and commercial real estate mortgages, as well as commercial and consumer loans; and providing investment management services. The company's deposit products comprise NOW and demand deposit accounts, savings accounts, checking accounts, money market accounts, certificates of deposit, and individual retirement accounts. Its loan products include commercial loans, consumer loans, personal loans, and residential mortgage loans. The company invests primarily in mortgage-backed securities, equity securities, U.S. government agency securities, and corporate debt obligations. As of November 1, 2005, it operated 11 branch offices located in Boston, Cambridge, Somerville, and Watertown in Massachusetts. Wainwright Bank is headquartered in Boston, Massachusetts.
WASHINGTON TRUST BANCORP INC (WASH)
Washington Trust Bancorp, Inc. operates as the bank holding company for The Washington Trust Company (bank), which provides various banking and financial services. Its deposit products include commercial and consumer demand deposits; savings, NOW, and money market deposits; and certificates of deposit. The bank's loan portfolio primarily includes commercial, construction, and consumer installment loans; residential mortgages; and home equity lines of credit. It primarily invests in the U.S. Treasury obligations and obligations of U.S. Government-sponsored agencies, mortgage-backed securities, and corporate bonds and stocks. The bank also provides telephone and Internet banking services. In addition, it provides trust and investment management services as a trustee under wills and trust agreements. Further, the bank operates as an executor or administrator of estates; provider of agency, custodial, and management investment services to individuals and institutions; and as a trustee for employee benefit plans. Additionally, it provides investment advisory services, including asset allocation analysis and equity; fixed income; and balanced portfolio management. As of June 30, 2005, the bank operated 17 banking offices in Rhode Island and Connecticut counties. Washington Trust Bancorp was formed in 1800 and is headquartered in Westerly, Rhode Island.
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.
WASHINGTON BANKING COMPANY (WBCO)
Washington Banking Company operates as the holding company for Whidbey Island Bank, which provides community commercial banking services in the northern area of Western Washington. The bank accepts checking and savings accounts, NOW accounts, money market accounts, demand and time deposits, and certificates of deposits. It also offers commercial, construction, real estate, and consumer loans to small and medium sized businesses and to individuals. The investment portfolio consists of government agency securities, pass-through securities, municipal securities, preferred stock, and corporate obligations. The company, through its other subsidiary, provides trust preferred securities and common securities. As of December 31, 2004, the bank operated 19 branches in northwestern Washington. The company is headquartered in Oak Harbor, Washington.
WESTPAC BANKING CORPORATION (WBK)
Westpac Banking Corporation provides various retail and commercial banking, wealth management, and financial services in Australia and New Zealand. The company offers various financial products, including savings and check accounts, demand and term deposits, credit cards, and personal and housing loans to individuals and small to medium-size businesses. It also offers wealth management services, which include managed investments, such as mutual funds; personal and business superannuation, including pensions; life insurance; income protection; discount securities broking; margin lending; client portfolio administration, including Wrap platforms; and portfolio management and administration of corporate superannuation. In addition, the company provides banking, financial, and advisory services to corporate, institutional, and government customers. As of September 30, 2005, Westpac had 1,056 branches throughout Australia, New Zealand, and the Pacific Islands. The company was founded in 1817. It was formerly known as the Bank of New South Wales and changed its name to Westpac Banking Corporation in 1982. Westpac is headquartered in Sydney, Australia.
WEST COAST BANCORP (WCBO)
West Coast Bancorp operates as the holding company for West Coast Bank that provides commercial banking services to individuals, professionals, and small to medium-sized businesses. It offers demand deposits, savings accounts, money market accounts, certificates of deposit, and short-term and long-term borrowings. The bank also offers lines of credit, home equity loans, mortgage loans, credit cards, consumer loans, commercial loans, and installment and other consumer loans, as well as real estate loans, such as construction, mortgage, and commercial loans. It invests primarily in the U.S. government agency securities, obligations of state and political subdivisions, corporate securities, mortgage-backed securities, and equity and other securities. In addition, West Coast Bancorp, through another subsidiary, West Coast Trust Company, Inc., provides agency, fiduciary, and other related trust services. As of December 31, 2004, the bank operated 52 branch offices in western Oregon and southwestern Washington. West Coast Bancorp was founded in 1925 and is headquartered in Lake Oswego, Oregon.
WELLS FARGO & COMPANY (WFC)
Wells Fargo & Company (WFC) provides banking, insurance, investments, mortgage banking, and consumer finance in the United States and internationally. It operates in three segments: Community Banking (CB), Wholesale Banking (WB), and Wells Fargo Financial (WFF). The CB segment offers mutual funds, and personal and employee benefit trust, and agency assets. Loan products include equity lines and loans, equipment and transportation loans, and education loans. It also originates and purchases residential mortgage loans, and services mortgage loans and credit cards. The segment's deposit products include checking accounts, savings deposits, market rate and IRA accounts, and time deposits. CB segment also offers receivables and inventory financing, equipment leases, real estate financing, small business administration financing, venture capital financing, cash management, payroll services, retirement plans, and medical savings accounts. WB segment provides commercial, corporate, and real estate banking products and services, including letters of credit, asset-based lending, mezzanine financing, international trade facilities, foreign exchange services, treasury management, investment management, institutional fixed income and equity sales, online/electronic products, insurance brokerage services, and investment banking services. It also provides trade financing and collection services; construction loans; interim financing arrangements for completed structures; rehabilitation loans; housing loans; permanent loans for securitization; and real estate and mortgage brokerage services. WFF segment offers consumer and real estate loans to individuals; purchases sales finance contracts from retail merchants and automobile dealers; and makes loans secured by automobiles. It also provides credit cards and other commercial financing. As of December 31, 2004, the company operated through 6,046 stores. WFC was organized in 1929 and is headquartered in San Francisco, California.
WASHINGTON FEDERAL INC (WFSL)
Washington Federal, Inc. operates as the holding company for Washington Federal Savings (bank), which provides commercial banking services in Washington. The bank accepts demand deposits, savings accounts, and money market accounts; and certificates of deposit. It also offers single family residential loans, construction loans, land loans, and multi family loans. In addition, the bank provides real estate investment and insurance brokerage activities. It invests in U.S. government and agency securities, securities of state and political subdivisions, and agency mortgage-backed securities. As of September 30, 2005, the bank had 122 offices located in Washington, Oregon, Idaho, Utah, Arizona, Nevada, and Texas. The company was founded in 1917 and is headquartered in Seattle, Washington.
W HOLDING COMPANY INCORPORATED (WHI)
W Holding Company, Inc. operates as the holding company for Westernbank Puerto Rico (bank). The bank offers a range of business and consumer financial services, including banking, trust, and brokerage services. Westernbank provides a range of consumer loans that include personal, collateralized personal loans, credit cards, and small loans; commercial loans, such as commercial real estate, residential real estate, and unsecured construction and land acquisition loans; and fixed-rate residential second mortgage consumer loans, as well as offers various deposit products that comprise savings, time deposits, brokered deposits, and individual retirement account deposits. It also provides an array of trust services and treasury and investment services. As of June 30, 2005, the bank operated 53 branch offices in Puerto Rico, including 33 in the western and southwestern regions, 7 in the northeastern region, 12 in the San Juan metropolitan area, and 1 in the eastern region. In addition, the company, through its another subsidiary, Westernbank Insurance Corp., operates as a general insurance agent placing property, casualty, life, and disability insurance. W Holding Company is based in Mayaguez, Puerto Rico.
WILMINGTON TRUST CORPORATION (WL)
Wilmington Trust Corporation operates as a holding company for Wilmington Trust Company, which provides banking and trust services. The company operates in three segments: Regional Banking, Wealth Advisory Services, and Corporate Client Services. The Regional Banking segment offers commercial banking services, including lending, deposit taking, and branch banking in the markets of Delaware, southeastern Pennsylvania, and Maryland's eastern shore. Its lending activities include commercial loans, commercial and residential mortgages, and construction and consumer loans. Its deposit products include demand checking, certificates of deposit, negotiable order of withdrawal accounts, and other savings and money market accounts. The Wealth Advisory segment provides various financial planning, investment management, fiduciary, and custom lending services for individuals and families. Its services include estate, retirement, tax, philanthropic, business succession, and executive benefits planning. The Wealth Advisory segment also offers trust creation and administration, estate settlement, and private banking services, as well as offers financial advice, bookkeeping, tax return preparation, investment management, and courier services to high net worth individuals. The Corporate Client Services segment serves national and multinational institutions with various trust, custody, and administrative services that support capital markets transactions, entity management, and retirement plans. It provides services that support structured finance transactions like securitizations and leveraged leases; and trust and custodian services for retirement plans. The Corporate Client Services segment also serves as indenture, successor, collateral, or liquidating trustee in corporate reorganizations, debt restructurings, mergers, and bankruptcies. As of June 30, 2005, the company had 44 branch offices. Wilmington Trust Corp. was founded in 1901 and is headquartered in Wilmington, Delaware.
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.
WesBanco, Inc. operates as the holding company for WesBanco Bank, Inc., which provides retail and corporate banking services in the United States. It accepts demand deposits, money market accounts, savings deposits, and certificates of deposits, as well as offers commercial, commercial real estate, residential real estate, home equity, and consumer loans. WesBanco, through its nonbanking subsidiaries, offers property, casualty, and life insurance for personal and commercial clients, as well as personal and corporate trust and discount brokerage services. The company also serves as investment adviser to a family of mutual funds under the name of WesMark Funds. As of June 30, 2005 the bank operated 85 banking offices, 2 loan production offices, and 129 ATM machines in West Virginia, Ohio, and Western Pennsylvania. The company is headquartered in Wheeling, West Virginia.
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.
WSFS FINANCIAL CORPORATION (WSFS)
WSFS Financial Corporation operates as a thrift holding company for the Wilmington Savings Fund Society, FSB (bank), which provides various financial services primarily in Delaware and southeastern Pennsylvania. The bank offers various deposit products, including savings accounts, demand deposits, interest-bearing demand deposits, money market deposit accounts, and certificates of deposits. In addition, it accepts negotiable rate certificates of deposit from individuals, businesses, and municipalities in Delaware. Wilmington Savings Fund Society offers residential and commercial real estate mortgage, commercial, and consumer lending services, as well as cash management services. The bank's commercial lending services include loans for the purpose of working capital, financing equipment acquisitions, business expansion, and other business purposes. Its consumer credit products include equity-secured installment loans and home equity lines of credit. In addition, the bank markets various third-party investment and insurance products, such as single-premium annuities, whole life policies, and securities; provides investment advisory services to high net-worth individuals and institutions; and services existing loans and leases related to motor vehicle leasing. Wilmington Savings Fund Society invests primarily in corporate bonds, state and political subdivisions, the U.S. government and agencies, and mortgage-backed securities. The bank serves its customers primarily from its main office, 24 retail banking offices, loan production offices, and operations centers. WSFS Financial Corporation is headquartered in Wilmington, Delaware.
WINTRUST FINANCIAL CORPORATION (WTFC)
Wintrust Financial Corporation, through its wholly owned subsidiaries (banks), offers banking and financial services to individuals, small to mid-sized businesses, local governmental units, and institutional clients in the greater Chicago, Illinois, and southern Wisconsin metropolitan areas. The banks offer deposit products, including demand, NOW, money market, savings, and time deposit accounts, as well as home equity, home mortgage, consumer, real estate and commercial loans, safe deposit facilities, and automated teller machine (ATM) services. It also offers wealth management services, including trust and investment management, investment products and services, asset management, and securities brokerage services. In addition, the company, through its nonbank subsidiaries, offers commercial insurance premium financing, new and used automobile loans, short-term accounts receivable financing, and certain administrative services, such as data processing of payrolls and billing. It also provides lending, deposit, and cash management services to condominium, homeowner, and community associations. The banks invest in U.S. treasury and U.S. Government agencies, municipal and corporate notes, and other debt and mortgage-backed securities. As of December 31, 2004, the company operated 56 banking facilities and 75 ATMs. Wintrust Financial Corporation was founded in 1992 and is headquartered in Lake Forest, Illinois.
WHITNEY HOLDING CORPORATION (WTNY)
Whitney Holding Corporation operates as the holding company for Whitney National Bank, which provides commercial banking services in the United States. It accepts NOW account, money market, savings, and other time deposits. The bank also offers commercial, financial, and agricultural loans; commercial, construction and other real estate loans; residential mortgage real estate loans; and loans for Individuals. In addition, it provides trust and investment management services to retirement plans, corporations, and individuals, as well as offers investment brokerage services and annuity products. The company was founded in 1883 and is based in New Orleans, Louisiana.
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.
ZIONS BANCORPORATION (ZION)
Zions Bancorporation provides banking and related services primarily in Utah, Idaho, California, Nevada, Arizona, Colorado, and Washington. It provides various commercial and retail banking, and mortgage lending products and services. As of March 31, 2005, the company operated 6 banks with 386 domestic branches, and 472 ATMs. Zions provides commercial loans, lease financing, cash management, lockbox, customized draft processing, and other special financial services for business and other commercial banking customers. It also provides personal banking services to individuals, including bankcard, student, and other installment loans; mortgages; home equity lines of credit; checking accounts; savings accounts; time certificates of various types and maturities; trust services; safe deposit facilities; direct deposit; and 24-hour ATM access. In addition, the company provides services to certain market segments through its Women's Financial, Private Client Services, and Executive Banking Groups. It provides small business administration loans to small businesses throughout the United States. Zions owns an equity interest in the Federal Agricultural Mortgage Corporation that originates secondary market agricultural real estate mortgage loans. The company offers municipal finance advisory and underwriting services, and also electronic bond trading. Zions also controls four venture capital companies that provide early-stage capital, primarily for start-up companies located in the western United States. The company was organized in 1955 and is headquartered in Salt Lake City, Utah.
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