The determination and distribution of profits are governed by the National Bank Act (arts. 30 and 31). According to these articles, the SNB shall set up provisions permitting it to maintain currency reserves at the level which is necessary for monetary policy. In so doing, it shall take into account the development of the Swiss economy. A dividend not exceeding six percent of the share capital shall be paid from the net profit. One-third of any net profit remaining after the distribution shall accrue to the Confederation and two-thirds to the cantons.

American Bancorp provides banking on the bayou. Through subsidiary American Bank and Trust, the company operates six bank offices in southern Louisiana. It offers checking and savings accounts, CDs, and loans to area businesses and consumers. Residential and commercial mortgages dominate the company's lending portfolio. Interest from investments in mortgage-backed securities, US Treasuries, municipal bonds, and other securities are another major source of American Bancorp's revenue. Members of the Diesi family, including company chairman Salvador, his uncle J. C. (a director), and CEO Ronald Lashute (Salvador's cousin) are major shareholders of American Bancorp.

Westamerica Bank, chartered in 1884, also originates construction, residential mortgage, and consumer loans.Annie get your checkbook? Maybe not as wild as Buffalo Bill's West, but Westamerica Bancorporation still shoots high with its subsidiary Westamerica Bank. The bank operates more than 90 branches in northern and central California. It offers individuals and businesses such standard fare as checking and savings accounts, as well as electronic banking, trust services, and credit cards. It focuses on the banking needs of small businesses; business loans and commercial mortgages together account for more than half of the company's loan portfolio.

Clarkston Financial, the holding company for Clarkston State Bank, threw its hat into the ring of retail banking in 1998. The community bank serves area consumers and small to midsized businesses from about five locations in Oakland County, Michigan, north of Detroit. The bank offers standard deposit services, including checking, savings, and money market accounts, certificates of deposit, and IRAs. Clarkston Savings Bank uses these funds primarily to originate real estate loans; commercial mortgages account for the largest portion of its portfolio, followed by residential mortgages and construction and land development loans.

Oregon Pacific Bancorp is the holding company owns Oregon Pacific Banking Company, which operates a handful of offices on the state's coastal region west of Eugene. Doing business as Oregon Pacific Bank, it provides standard deposit products including checking, savings, money market accounts, and CDs. The bank primarily uses funds from deposits to originate real estate loans. Oregon Pacific Bank also offers wealth management and corporate trust services.

San Diegans like their money sunny-side up. San Diego County Credit Union operates more than two dozens branches that offer standard deposit services such as checking and savings accounts, money market accounts, and certificates of deposit. The credit union also offers home, auto, and business loans, Visa credit cards, and individual retirement accounts. It opened in 1938 as San Diego County Employees' Credit Union, a one-branch operation serving local government employees. It opened its membership to all residents of San Diego county in the 1970s, dropped the "Employees'" from its name, and today serves more than 200,000 members in Southern California's San Diego, Riverside, and Orange counties.

FHL Bank Topeka, a privately owned, federally chartered corporation, promotes housing and home ownership by providing wholesale products and services that help member financial institutions expand the availability of mortgage credit, compete more effectively in their markets and foster strong and vibrant communities. With approximately $38 billion in assets and $1.8 billion in capital, FHLBank serves 837 banks, thrifts, credit unions and insurance companies throughout Colorado, Kansas, Nebraska and Oklahoma. FHL Bank employs approximately 200 people and is located in Topeka, Kan. FHLBank Topeka promotes housing and community development in the public interest by serving as an economical source of credit and by providing the services and rate of return necessary to attract and retain borrowing stockholders.

Hills Bank and Trust Company is closed for holidays according to the Federal Reserve holiday schedule. Please keep in mind files cannot be effective or originated on these dates when we are closed. View our Holiday Schedule for a list of closings in 2010.Offerings include deposit accounts, loans, and debit and credit cards. Hills Bank and Trust also administers estates, personal trusts, and pension plans, and provides farm management and investment advisory and custodial services. The bank traces its roots to 1904.

DCB Financial is the holding company for The Delaware County Bank and Trust, which serves individual and commercial customers through some 20 branches in central Ohio. The bank offers traditional products and services, such as checking and savings accounts, CDs, IRAs, credit and debit cards, and safe deposit facilities. Its loan portfolio primarily consists of commercial mortgages, residential mortgages, and home equity loans. The bank also writes construction, land development, industrial, and consumer loans. The Delaware County Bank and Trust provides insurance, investments, wealth management, and trust services, as well.

BancorpSouth, Inc. operates as a financial holding company for BancorpSouth Bank that provides commercial banking and financial services to individuals, and small-to-medium sized businesses in Mississippi, Tennessee, Alabama, Arkansas, Texas, Louisiana, Florida, Missouri, and Illinois. It generates interest bearing and noninterest bearing demand deposits, and saving and time deposits. The company provides various commercial loan services, including term loans, lines of credit, equipment and receivable financing, and agricultural loans, as well as a range of short-to-medium term secured and unsecured commercial loans to businesses for working capital, business expansion, and the purchase of equipment and machinery. Its residential consumer lending activities consist of the origination of fixed and adjustable rate residential mortgage loans secured by owner-occupied property, construction loans, second mortgage loans, and home equity lines of credit; and non-residential consumer lending activities comprise automobile loans, recreation vehicle loans, boat loans, secured and unsecured personal loans, deposit account secured loans, and student loans. BancorpSouth, Inc. also 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 benefit products and services. In addition, it offers investment services comprising brokerage, investment advisory, and asset management services; and trust services, including personal trust and estate services, and employee benefit accounts and plans, such as individual retirement accounts and corporate trust functions. As of December 31, 2009, BancorpSouth operated approximately 310 commercial banking, trust, and insurance business offices. BancorpSouth, Inc. was founded in 1876 and is headquartered in Tupelo, Mississippi.

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