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..

Birch Financial Inc. commenced business in August 1994 with the primary intent of providing premium financing to the landscape industry. In July 1995, Automatic Installment Services (AIS) was contracted to administer the loans of their clients with financial oversight resting in the hands of Nelson Colvin, President of Birch Financial, Inc. Birch Financial, Inc. operates with a line of credit from First Bank in St. Louis, MO. The company has over $25,000,000 in Premium Financing Loans and $1,200,000 in Equipment Loans. Birch Financial, Inc. is also doing business in Nevada, Arizona and Utah, providing premium financing primarily to landscape contractors. The company is planning to enter the Texas and Florida markets in the near future. Birch Financial, Inc. has a captive market with a familiar database of clients and a known credit history. It has the advantage of working through affiliated companies that guarantee the loan return.

Virginia Commerce Bancorp is the holding company for Virginia Commerce Bank, which has about 30 offices serving metropolitan Washington, DC's northern Virginia suburbs. The bank's customer base includes consumers, non-profit groups, and small to midsized businesses, particularly those that have contracts with the US government. The bank also offers wealth management services such as retirement planning, asset management, and investments such as mutual funds. Virginia Commerce primarily originates real estate loans, including mortgages and construction loans, which account for about 90% of its portfolio.

East West Bank offers multilingual service in English, Cantonese, Mandarin, Vietnamese, and Spanish.East West Bancorp is the holding company for East West Bank, which operates about 110 branches in California, mainly in and around Los Angeles, the San Francisco Bay, Orange County, and Silicon Valley. The bank has more than 25 additional branches in the Atlanta, Boston, Houston, New York, and Seattle metropolitan areas, as well as locations in China, Hong Kong, and Taiwan. It caters to the Asian-American community and provides international banking and trade financing to importers/exporters doing business in the Asia/Pacific region.

HDFC Bank may not fulfill your spiritual needs, but it can help with your finances. The bank provides a variety of wholesale, retail, and depository financial services through more than 1,700 branches and some 5,000 ATMs throughout India. Established by financial institution Housing Development Finance Corporation in 1994, the bank offers deposit accounts, loans, credit cards, insurance, investments, and related services. Subsidiary HDFC Securities provides online brokerage services. HDFC Bank targets individual customers in the middle and upper-class, as well as trusts, small businesses, and not-for-profit organizations in the country.

F.N.B. Corporation is the holding company for First National Bank of Pennsylvania, which operates about 225 bank branches in Pennsylvania and northeastern Ohio. The company also has more than 50 consumer finance offices in those states and Tennessee, plus a handful of loan production offices in Florida. It operates in four segments, providing community banking, wealth management, insurance, and consumer finance products and services to retail clients and small businesses. It also offers leasing and merchant banking services. F.N.B. plans to expand in northeastern Pennsylvania through the acquisition of Comm Bancorp in a deal worth some $70 million.

Rurban Financial is the holding company for State Bank and Trust, which has more than 20 branches in northwestern Ohio and another in northeastern Indiana. The banks offer products, including checking and savings accounts, money market accounts, credit cards, IRAs, and CDs. Commercial and agricultural loans account for approximately two-thirds of the company's loan portfolio; the bank also writes mortgage and consumer loans. Reliance Financial Services, a unit of State Bank and Trust, offers trust and investment management services, as well as brokerage services through an alliance with Raymond James. Subsidiary RDSI Banking Systems offers commercial bank data processing and item processing services.

Southside Bancshares operates deep in the heart of Texas. It's the holding company for Southside Bank, which serves East Texas through about 35 branches, with a concentration in the cities of Tyler and Longview. About half of its branches are located in supermarkets (including Albertsons and Brookshire stores), and many offer extended hours. The bank provides traditional services such as savings, money market, and checking accounts, CDs, and other deposit products, as well as trust and investment services. Real estate loans make up more than half of the company's loan portfolio, which also includes business, consumer, and municipal loans.

Bremer is owned by both our employees and the Otto Bremer Foundation. Bremer fosters a culture of caring and commitment and demonstrates it through grants from the Otto Bremer Foundation, donations by local Bremer affiliates, and the volunteerism of our employees’ time and skills to nonprofit organizations and community projects.

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.

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