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State Commercial Banks

Guaranty Bancshares, Inc.

          Guaranty Bancshares, Inc. (the “Company”) was incorporated as a business corporation under the laws of the State of Texas in 1980 to serve as a holding company for Guaranty Bond Bank, formally known as Guaranty Bank, (the “Bank”), which was chartered in 1913, and for Talco State Bank, which was chartered in 1912 ... more

Heartland Bancshares, Inc.

Heartland Bancshares, Inc. is the bank holding company for Heartland Community Bank which provides commercial and retail banking services in Indiana. more

Hills Bancorporation

Hills Bancorporation (the “Company”) is a holding company principally engaged, through its subsidiary bank, in the business of banking. The Company was incorporated December 12, 1982 and all operations are conducted within the state of Iowa. The Company became owner of 100% of the outstanding stock of Hills Bank and Trust Company, Hills, Iowa (“Hills Bank and Trust” or the ... more

Hudson United Bancorp

HUB exists primarily to hold the stock of its subsidiaries. At December 31, 2004, HUB had eight wholly-owned subsidiaries including Hudson United. In addition, HUB, through Hudson United, indirectly owns 13 additional wholly-owned subsidiaries. The historical growth of, and regulations affecting, each of HUB's direct and indirect subsidiaries is described in Item 1(a) above, which is ... more

Ibc Cap Fin Ii Pfd Tr S

Independent Bank Corporation was incorporated under the laws of the State of Michigan on September 17, 1973, for the purpose of becoming a bank holding company. We are registered under the Bank Holding Company Act of 1956, as amended, and own the outstanding stock of four banks (the “Banks”) which are all organized under the laws of the State of Michigan. more

Key Capital

Mercantile Bankshares

Mercantile Bankshares Corporation, with $17.7 billion in assets at year-end December 31, 2006, is a regional multibank holding company with headquarters in Baltimore, Maryland.  It is comprised of 11 banks (the “Banks”) and a mortgage banking company.  Eight banks are headquartered in Maryland, two are in Virginia and one is in Delaware.  At December 31, 2006, ... more

Merchants & Mfr Bancorporation

Merchants and Manufacturers Bancorporation, Inc. was incorporated in Wisconsin in 1983 and is a registered bank holding company under the Bank Holding Company Act of 1956. As of December 31, 2006, we had total consolidated assets of $1.5 billion, consolidated loans of $1.2 billion and consolidated deposits of $1.2 billion. Our executive ... more

Merrill Merchants Bancshares, Inc

of the Bank and the Company that are subject to various factors which could cause actual results to differ materially from these estimates.  These factors include: changes in general, economic and market conditions, or the development of an adverse interest rate environment that adversely affects the interest rate spread or other income anticipated from the Bank’s or the ... more

Michigan Community Bancorp Ltd.

Michigan Heritage Bancorp, Inc

Michigan Heritage Bancorp, Inc. (the “Company”) was incorporated in 1989 as a Michigan corporation and was inactive from the time of its formation until November 1996. The Bank, the Company’s wholly-owned subsidiary (the “Bank”), is a Michigan banking corporation with depository accounts insured by the Bank Insurance Fund of the Federal Deposit Insurance ... more

Mid State Bk Arroyo Grande

A significant portion of our loan portfolio is dependent on real estate. At December 31, 2006, real estate served as the principal source of collateral with respect to approximately 83% of our loan portfolio. A decline in current economic conditions or rising interest rates could have an adverse effect on the demand for new loans, the ability of borrowers to repay outstanding loans, the ... more

Midwestone Financial

National Mercantile Bancorp

National Mercantile is a bank holding company whose principal assets are the capital stock of two bank subsidiaries: Mercantile National Bank (“Mercantile”) and South Bay Bank, N.A. (“South Bay”). National Mercantile has been authorized by the Federal Reserve Bank of San Francisco to engage in lending activities separate from the Banks but to date has not done so. more

Natl Mercantile Bancorp

National Mercantile is a bank holding company whose principal assets are the capital stock of two bank subsidiaries: Mercantile National Bank (“Mercantile”) and South Bay Bank, N.A. (“South Bay”). National Mercantile has been authorized by the Federal Reserve Bank of San Francisco to engage in lending activities separate from the Banks but to date has not done so. more

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