| ASSETS |
| Cash and due from banks |
43.98M |
| Interest-bearing deposits with other banks |
81.12M |
| Securities available for sale (at estimated fair value; pledged: $74,196 in 2011 and $95,311 in 2010) |
291.56M |
| Securities held to maturity (pledged: $286,089 in 2011 and $212,606 in 2010) (estimated fair value: $480,729 in 2011 and $400,453 in 2010) |
383.59M |
| Total investment securities |
675.16M |
| Loans held for sale |
49.19M |
| Loans held in portfolio, net of unearned discounts |
1.74B |
| Less allowance for loan losses |
22.59M |
| Loans, net |
1.72B |
| Federal Reserve and Federal Home Loan Bank stock, at cost |
| Goodwill |
22.9M |
| Premises and equipment, net |
22.05M |
| Other real estate |
1.48M |
| Accrued interest receivable |
6.47M |
| Cash surrender value of life insurance policies |
54.94M |
| Other assets |
47.86M |
| Total Assets |
2.73B |
| LIABILITIES AND SHAREHOLDERS EQUITY |
| Noninterest-bearing demand deposits |
940.88M |
| Savings, NOW and money market deposits |
| Time deposits |
498.05M |
| Total deposits |
2.24B |
| Securities sold under agreements to repurchase - customers |
| Securities sold under agreements to repurchase - dealers |
40.62M |
| Federal funds purchased |
| Commercial paper |
| Short-term borrowings - other |
8.45M |
| Advances - FHLB |
100.59M |
| Long-term borrowings - subordinated debentures |
25.77M |
| Total borrowings |
175.43M |
| Accrued interest payable |
687K |
| Due to factored clients |
| Accrued expenses and other liabilities |
| Total liabilities |
2.5B |
| Shareholders equity |
| Preferred stock, Series A, $5 par value; $1,000 liquidation value. Authorized 644,389 shares; issued -0- and 42,000 shares, respectively |
| Common stock, $1 par value. Authorized 50,000,000 shares; issued 35,225,110 and 31,138,545 shares, respectively |
35.26M |
| Warrants to purchase common stock |
| Capital surplus |
| Retained earnings |
28.61M |
| Accumulated other comprehensive loss |
-15.45M |
| Common shares in treasury at cost, 4,300,278 and 4,297,782 shares, respectively |
-86.67M |
| Total shareholders equity |
233.48M |
| Total Liabilities And Stockholders Equity |
2.73B |
