, Supervision and Regulation-Capital Regulations and Item 8, Consolidated Financial Statements, Note 13."

The Bank and the Corporation are considered "Well-Capitalized" under the "risk-based" capital methodology. The Bank's leverage capital ratio was 7.9% of its total assets at December 31, 2005. The Bank's total risk- based capital ratio was 11.1% at December 31, 2005; the minimum acceptable level at December 31, 2005 was 8.0%. The Corporation's leverage capital ratio was 8.8%, with total risk-based capital equaling 12.2%, at December 31, 2005.