Fentura Financial has its hands full. Fentura Financial is the holding company for Michigan community banks The State Bank, Davison State Bank, and West Michigan Community Bank. From about 20 branch locations, the banks provide commercial and consumer banking services and products, including checking and savings accounts and loans. Commercial loans account for some two-thirds of the bank's combined loan portfolio. The State Bank, Fentura's first subsidiary, traces its origins to 1898.

Provident wants to be a prominent force in the New Jersey banking scene. Provident Financial Services owns The Provident Bank, which serves customers in about 10 northern and central New Jersey counties. Founded in 1839, the bank offers traditional deposit and lending products, as well as wealth management and trust services, through more than 80 branches. Residential mortgage loans make up about 35% of the bank's loan portfolio; commercial mortgages are around 25%. Business, consumer, and construction loans help to round out its lending activities. The company's Provident Investment Services subsidiary sells life and health insurance and investment products.

Established on 26 January 1959 under the Central Bank of Malaysia Act 1958 (CBA 1958).The CBA 1958 has been repealed by the Central Bank of Malaysia Act 2009 which became effective on 25 November 2009. It is a statutory body wholly owned by the Government of Malaysia with the paid-up capital progressively increased, currently at RM100 million. The Bank reports to the Minister of Finance, Malaysia and keeps the Minister informed of matters pertaining to monetary and financial sector policies.

Established in 1880, National Bank of Romania (NBR) serves as the central bank for Romania and is the only entity in the country authorized to distribute and issue legal tender. (In Romania, the currency is measured with the paper leu and the coin ban). The bank is responsible for overseeing and regulating credit institutions, maintaining the exchange rate, and managing the official reserves. It also closely monitors inflation and financial stability. Operating some 20 branches throughout the country, NBR is controlled by a board of nine directors appointed by Romania's parliament. It was established in 1880.

Naugatuck Valley Financial Corporation (NVFC) owns Naugatuck Valley Savings and Loan, a community-based thrift serving southwestern Connecticut. Operating from more than a half-dozen locations, the bank provides traditional retail banking offerings such as checking and savings accounts, CDs, and IRAs. Naugatuck Valley Savings and Loan concentrates on residential lending, in addition to construction, multifamily and commercial real estate loans. NVFC and Southern Connecticut Bancorp called off plans to merge in 2010. Naugatuck Valley Mutual Holding Company owns 58% of NVFC's stock.

Jacksonville Bancorp, the holding company for Jacksonville Bank, which has about 10 branches in and around Jacksonville, Florida. The community bank offers standard deposit products, including checking and savings accounts, money market accounts, CDs, and IRAs. Commercial mortgages make up more than half of the bank's loan portfolio; residential mortgages account for most of the rest. Subsidiary Fountain Financial sells insurance and investment products. The company nearly doubled its branch network with its 2010 acquisition of Atlantic BancGroup. Jacksonville Bancorp is unrelated to the Illinois corporation of the same name.

Established in 1902, First South Bank is a local community bank located throughout Eastern North Carolina. Over the past 103 years, banking products and services have evolved. However, the Bank's commitment to its community has never wavered. We have always believed it is important to be a significant contributing member of our community. We know that, as a community bank, we have a responsibility to make a positive difference in the place we both live and serve, not because it is good for business, but because it is the right thing to do.

The Ackman-Ziff Real Estate Group knows debt, mezzanine, and equity financing from A to Z. It's one of the nation's leading real estate intermediaries, providing developers and investors with expertise in land assemblage, debt and equity financing, net lease negotiations, and major commercial property sales. It's also involved in joint venture Ackman-Ziff Chazen Realty Advisors, which arranges equity capital for real estate owners and developers. Ackman-Ziff started as an Ackman family business in 1926. Simon Ziff joined the firm as an analyst in 1988, then became president in 1996. Today, the firm arranges deals from coast to coast and operates offices in Boston, Los Angeles, Miami, and New York.

Citizens Equity First Credit Union (CEFCU) first gained traction in 1937 as the credit union of mammoth equipment manufacturer Caterpillar. Through some 20 branches, CEFCU now serves employees of more than 550 companies and people who live and work in about a dozen counties in central Illinois and portions of northern California. It boasts more than 275,000 members who have access to standard deposit products such as checking and savings accounts and certificates of deposit; loans for education and auto and home purchases; credit cards.

I am delighted to tell you about Encore, a financial services organization like no other. At Encore, our bankers and financial advisors are dedicated to helping you attain your financial goals. When you work with our professionals, you will be working directly with individuals who are committed to building lasting relationships. We are available to meet with you in your home or workplace, or in our private client offices, to explore how our capabilities in banking, wealth management, trust, mortgage and insurance can serve you, your family and your business. Encore Bank has eleven conveniently located private client offices in greater Houston. To find the nearest location, click here. Encore Bancshares, Inc. is listed on the NASDAQ Global Market under the symbol "EBTX."

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