VTB Bank offers a smorgasbord of financial services for corporate, financial, and retail clients in Russia, Western Europe, Africa, and Asia. VTB retail services, conducted through VTB 24, include deposit banking, credit and lending services, and money transfers serving individuals and small businesses through a network of some 500 branches in large Russian cities. The company also provides investment banking and services for financial institutions that include foreign exchange trading, Inter-bank lending, and securities trading. The Russian government owns some 85% of VTB, but plans to reduce its stake by about half by 2014.

Camden National Corporation is the holding company for Camden National Bank, which was founded in 1875 and once issued its own US currency. With about 40 branches in 10 Maine counties, the bank provides checking and savings accounts, CDs, and IRAs. Residential mortgages make up more than 40% of its loan portfolio; business loans, including commercial mortgages, make up another 40%; and consumer loans constitute the remainder. Subsidiary Union Trust operates nine branches in the coastal counties of Hancock and Washington, while Acadia Trust provides trust, fiduciary, investment management, and retirement plan administration services and Acadia Financial Consultants offers brokerage and insurance services.

First Midwest Bancorp, the holding company for First Midwest Bank. Through about 100 branches, the bank mainly serves suburban Chicago, though its market extends into central and western Illinois and neighboring portions of Iowa and Indiana. Focusing on area small to midsized businesses, it offers deposit products, loans, trust services, wealth management, insurance, and retirement plan services; it has approximately $3.5 billion of client trust and investment assets under management. Commercial real estate loans account for more than half of the company's portfolio; commercial and industrial loans are around a third.

The Norinchukin Bank (Nochu for short) acts as the de facto central bank for nearly 5,000 agricultural, forestry and fishery cooperative systems in Japan. Most of the bank's deposits come from these agricultural and fishery cooperatives, which the bank uses for investments. It then disburses the profits and offers services such as loans to its members. The bank has 35 branches in Japan with domestic and foreign offices in Tokyo, London, New York, and Singapore. The bank, with mutual insurer Zenkyoren, controls Norinchukin-Zenkyoren Asset Management, which provides pension plans.

Banca Popolare di Sondrio has a long history in Italy. The cooperatively owned bank, also referred to as BPS or Popso, has more than 250 branch offices in northern and central portions of the country. It operates in Switzerland through wholly owned subsidiary Banca Popolare di Sondrio (SUISSE). Serving consumers, families, small and large businesses, and public institutions, Banca Popolare di Sondrio offers deposit accounts, consumer and commercial credit and loans, mortgages, leasing, insurance, and securities trading, among other financial services. Founded in 1871, Banca Popolare di Sondrio has been growing by opening new branches.

The Southern Banc Company is the holding company for The Southern Bank, which operates about five branches in Etowah, Cherokee, and Marshall counties in northeastern Alabama. Serving both local businesses and consumers, the bank offers standard deposit products, including checking and savings accounts, certificates of deposit, and individual retirement accounts. Its loan portfolio is dominated by one-to-four family residential mortgages, business loans, and consumer loans, but Southern Bank also writes nonresidential real estate mortgages and loans secured by savings accounts.

Ameris Bancorp enjoys the financial climate of the Deep South. It is the holding company of Ameris Bank, which serves retail and consumer customers through some 60 branches in Alabama, Georgia, South Carolina, and northern Florida. The bank provides standard products and services, including checking and savings accounts, money market accounts, CDs, IRAs, and credit cards; it offers investment services through an agreement with Raymond James Financial. Loans secured by commercial real estate and farmland account for approximately two-thirds of the company's loan portfolio, while residential mortgages and business loans account for about 10% each.

Cambridge Bancorp is the holding company for Cambridge Trust Company, a community bank serving Cambridge, Massachusetts, and the Greater Boston area from about ten locations. It offers standard retail products and services including checking and savings accounts, CDs, IRAs, and credit cards. Residential mortgages, including home equity loans, account for more than half of the company's loan portfolio; commercial real estate loans make up approximately one-third. The company also offers commercial, industrial, and consumer loans. Cambridge Trust Company was established in 1892.

LSB Financial is the holding company for Lafayette Savings Bank, which has been serving northern Indiana since 1869. Today the bank has a handful of branches in the communities of Lafayette and West Lafayette, offering checking, savings, and money market accounts, NOW accounts, and CDs. It primarily writes real estate loans, with residential mortgages making up about half of the company's loan portfolio. It also writes commercial and multifamily residential mortgages, real estate construction loans, and land development loans.

NCAL Bancorp founded in 1982, the bank offers retail customers checking, savings, and money market accounts, certificates of deposit, and personal lines of credit and loans. For businesses, it provides deposit products, cash management, and real estate, construction, commercial, and Small Business Administration (SBA) loans.NCAL operates in SoCal through its primary subsidiary, National Bank of California. Specifically, NCAL Bancorp is the holding company for National Bank of California which serves professionals, investors, high net-worth individuals, and small to midsized businesses through five branches in Southern California's Los Angeles, Orange, and Ventura counties.

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