Consumers Bancorp, Inc. operates as the holding company for Consumers National Bank, which provides various commercial and retail banking services. Consumers Bancorp, Inc. involves in attracting deposits from businesses and individual customers and uses such deposits to originate commercial, mortgage, and consumer loans in its market area, consisting primarily of Stark, Columbiana, Carroll, and contiguous counties in Ohio. Its deposit products include interest and noninterest bearing accounts, such as NOW accounts, savings account, time deposits, and short-term borrowings, as well as federal home loan bank advances. The company’s loan portfolio comprises real estate mortgage and construction loans; commercial, financial, and agricultural loans; and installment loans to individuals. As of June 30, 2009, Consumers Bancorp, Inc. operated 10 branch offices. Consumers Bancorp is headquartered in Minerva, Ohio.

Atlantic Southern Financial Group is Serving central and southeastern Georgia and northern Florida, Atlantic Southern Financial is the holding company for Atlantic Southern Bank, a community bank that offers deposit services such as checking and savings accounts, as well as loan services, to consumers and small to midsized businesses. Its primary lending services include real estate loans for construction and land development (about 40%), as well as commercial real estate loans (30%). To a lesser extent, Atlantic Southern provides consumer and residential real estate loans. The bank operates more than a dozen branches.

Lakeland Bancorp is shoring up in the Garden State. It's the holding company for Lakeland Bank, which serves northern New Jersey from about 50 branch offices. Targeting individuals and small to midsized businesses, the bank offers standard retail products such as checking and savings accounts, money market and NOW accounts, and CDs. It also offers financial planning and advisory services for consumers. The bank's lending activities primarily consist of commercial loans (about half of the company's loan portfolio) and residential mortgages (about a third of all loans). Its Lakeland Bank Equipment Leasing Division offers commercial equipment lease financing.

The Ogaki Kyoritsu Bank provides banking and other financial services in the Gifu prefecture in central Japan. The bank serves consumers and businesses from more than 140 domestic branch locations and from 3 international offices in Hong Kong, Shanghai, and New York. Services include banking, credit cards, credit guaranty, and leasing. Ogaki Kyoritsu Bank was established in 1896.

Hiroshima Bank established in 1878, the bank serves Japan's Chugoku and Shikoku regions through more than 175 offices and 830 ATMs. Hiroshima organizes its business approach into three distinct areas: financial intermediation, risk management assistance, and information provision. It offers the traditional array of financial services, including investment and private banking products, real estate appraisal, banking software, venture capital support, and assistance with corporate restructuring.

Pulaski Financial is the holding company for Pulaski Bank, which provides financial services to residents and businesses from about a dozen branches throughout the St. Louis and Kansas City metropolitan areas. The bank offers standard deposit products, including checking and savings accounts, NOW accounts, and money market accounts. Pulaski's loan portfolio includes primarily commercial and residential mortgages, as well as home equity and construction loans. Through subsidiaries, the bank offers title insurance, annuities and insurance, and fixed-income investment and trading.

Southwest Georgia Financial is the holding company for Southwest Georgia Bank, which also operates as Baker County Bank, Bank of Pavo, and Sylvester Banking Company. With about 10 locations, the bank provides such retail services as checking and savings accounts, NOW accounts, CDs, and credit cards, as well as property/casualty, life, and disability insurance and trust and investment services. Bank subsidiary Empire Financial Services provides commercial mortgage banking services. Real estate loans account for some three-fourths of the company's lending portfolio. Southwest Georgia Bank was founded as Moultrie National Bank in 1928.

Comm Bancorp is the holding company for the Community Bank and Trust Company, which operates about 15 branches in northeastern Pennsylvania. Targeting individuals and small to midsized local businesses, the bank offers standard deposit services such as checking and savings accounts, money market accounts, CDs, and IRAs. Business loans make up the largest portion of the bank's loan portfolio, followed by commercial mortgages and residential mortgages. The bank writes a relatively fewer number of construction and consumer loans. The bank has subsidiaries that offer insurance and asset management, commercial leasing, and title insurance. F.N.B. Corporation is buying Comm Bancorp for some $70 million.

PT Bank Rakyat Indonesia (Persero) Tbk(BRI) focuses on lending and banking services for micro, small, and medium enterprises (MSMEs) through its 5000 office branches and 600 ATMs; it also has agency offices in Hong Kong and New York. One of Indonesia's top three lenders, BRI offers traditional commercial banking products and services. The company is a pioneer in the field of micro loans, or small loans to the very poor designed to encourage entrepreneurship. It keeps its small and midsized business loan levels at about 80% of its total lending portfolio. Indonesia's government owns 60% of the company.

CITIC International Financial Holdings (CIFH) is the flagship company of state-owned investment congomlerate CITIC Group. It owns stakes in commercial banking, investment banking, private equity, and asset management companies. Primary subsidiary CITIC Ka Wah Bank provides retail and wholesale banking as well treasury services. Focused on business and real estate lending and targeting cross-border investors, operates about 30 branches in Hong Kong, mainland China, and the US. Other CIFH holdings include stakes in CITIC International Assets Management and CITIC Capital Holdings. CIFH was formed in 2002 in the reorganization of Ka Wah Bank; it is 70%-owned by CITIC Group through China CITIC Bank.

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