First Citizens Banc Corp ("First Citizens") is a bank holding company organized and existing under the laws of the State of Ohio and registered with the Board of Governors of the Federal Reserve System pursuant to the Bank Holding Company Act of 1956, as amended. First Citizens' banking subsidiary is The Citizens Banking Company, a commercial bank organized and existing under the laws of the State of Ohio. The Citizens Banking Company also does business as Champaign Bank. Also, First Citizens wholly owns subsidiaries which provide services related to its primary business: First Citizens Insurance Agency, Inc. and Water Street Properties, Inc..

Interamerican Bank provides traditional banking services in ethnically diverse Miami-Dade County, Florida, through five full-service branches. Many of the bank's employees are bilingual, and users of the bank's Web site can choose between English and Spanish versions. Targeting individuals and local businesses, Interamerican Bank offers savings and checking accounts, CDs, IRAs, and loans. Residential mortgages account for more than 30% of the bank's lending portfolio. It also issues multifamily real estate, commercial real estate, construction, business, consumer, and land loans.

Northwest Farm Credit Services is an agricultural lender that provides financial services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, and rural home owners in Alaska, Idaho, Montana, Oregon, and Washington. The cooperatively-owned company has a network of some 45 branches and offers a broad range of flexible loan programs to meet the needs people in the agriculture business. Farm Credit also provides leasing services, appraisal services, and life, mortgage, disability, and crop insurance, as well as legal advocacy and assistance to customers in need.

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."

PVF Capital is the holding company for Park View Federal Savings Bank, which operates some 20 offices in Cleveland and northeastern Ohio. Founded in 1920, the thrift offers such standard retail banking services as checking, savings, money market, NOW accounts, CDs, and IRAs. Commercial real estate loans account for about a quarter of the company's loan portfolio; single- to four-family residential mortgages make up another quarter. The company also writes home equity, construction, multifamily mortgage, and land loans. In 2007 fellow Ohio-based bank United Community Financial announced plans to buy PVF Capital, but both parties terminated the deal when it was not completed by an agreed-upon closing date.

1st Source Corporation, parent of 1st Source Bank, which provides commercial and consumer banking services through more than 75 branches in northern Indiana and southwestern Michigan. The bank offers deposit accounts; business, agricultural, and consumer loans; residential and commercial mortgages; credit cards; and trust services. Its specialty finance group provides financing for aircraft, automobile fleets, trucks, and construction and environmental equipment through about two-dozen offices nationwide; such loans account for approximately half of 1st Source's portfolio. Subsidiaries offer insurance and investment advisory services.

LCNB National Bank, which operates some two dozen branches in southwestern Ohio. The bank offers personal and commercial banking services such as checking and savings accounts, money markets, IRAs, and CDs. Residential mortgages account for nearly half of the company's loan book. Other offerings include commercial mortgages, consumer loans including credit cards, and business loans. Trust services are also provided; subsidiary Dakin Insurance Agency sells commercial and personal property/casualty insurance. In 2007 LCNB acquired Sycamore National Bank, which allowed for financial growth and branch expansion.

Industrial and Commercial Bank of China Limited is one of China's biggest banks and one of the largest in the world. ICBC, which went public in 2006 in a record-setting IPO, manages around 17,000 domestic branches and more than 160 overseas branches and offices. The bank's financial services, offered in Chinese renminbi and foreign currencies, include wholesale, retail, and international banking for more than 3 million corporate clients and some 190 million individuals. It oversees about a quarter of the total domestic assets owned by China's commercial banks. The Chinese government controls more than half of ICBC.

The Wilber Corporation is the holding company for Wilber National Bank, which has about 20 branches in the Catskill Mountains area of upstate New York. It also operates loan production and insurance sales offices. The bank offers traditional deposit products, including checking, savings, and NOW accounts; it also offers trust and investment services and insurance. Commercial real estate loans (about 35%) and residential mortgages (about 30%) dominate a loan portfolio that also includes business and consumer loans. New York-based Community Bank System is buying The Wilber Corporation for some $101 million.

FNB Bancorp bank also originates business, consumer, and construction loans.To be or not to FNB? If that's your question, you might want to look into FNB Bancorp. It's the holding company for First National Bank of Northern California, which serves consumers and small to midsized businesses in San Mateo and San Francisco counties. Through about a dozen branches, the bank offers traditional products such as checking and savings accounts, IRAs, CDs, and credit cards. Real estate loans, including commercial and residential mortgages, account for approximately 70% of the company's loan portfolio.

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