Access Capital gives business owners access to much needed capital. The business lender offers accounts receivable financing, asset-based lending, factoring, and receivables management. Clients include owners of growing service industry businesses such as software developers, manufacturers, maintenance and security guard companies, limousine companies, and temporary agencies. Business owners typically use Access Capital funding for inventory, staffing, payroll, marketing, debt restructuring, and reorganization. Unlike some commercial lenders, Access Capital does not require borrowers to relinquish equity or pledge personal collateral.

The First of Long Island wants to be the first thing on Long Islanders' minds. The company owns The First National Bank of Long Island, which offers a variety of lending, investment, and deposit services through about two dozen branches on New York's Long Island and in Manhattan. Loans secured by real estate, including residential and commercial mortgages, home equity loans, and construction loans, make up more than 85% of the bank's loan portfolio. To a lesser extent, the bank also writes business and consumer loans. Other services include checking and savings accounts, IRAs, CDs, and credit cards. Subsidiary The First of Long Island Agency sells mutual funds and annuities.

MidCarolina Financial likes to stay in the middle of all things financial in the Tar Heel State. The institution is the holding company for MidCarolina Bank, which has eight bank branches -- including two located in health care and long-term care facilities -- in Alamance and Guilford Counties. The bank offers standard retail products and services, such as checking and savings accounts, money market accounts, and credit and debit cards. It uses funds from deposits primarily to write real estate loans; it also writes business and consumer loans. American National Bankshares is buying MidCarolina Financial for nearly $40 million.

BPI Family Savings Bank, which has some 140 branches, traces much of its growth to remittances from Filipinos working abroad. The overseas foreign workers (OFWs) take higher-paying jobs outside of the island nation and send funds back home. (About 10% of Filipinos are OFWs.) The bank was formed in a 1985 merger between parent Bank of the Philippine Islands (BPI) and the Family Savings Bank.

Webster City Federal Bancorp operates as the holding company for Webster City Federal Savings Bank, and Security Title and Abstract, Inc. The bank primarily engages in the business of attracting deposits from the general public in its market area and invests such deposits in mortgage loans secured by one-to-four family residential real estate. Its deposit instruments include NOW accounts, passbook savings, money market deposit, term certificate accounts, and individual retirement accounts.

CNB Corporation is the holding company for Citizens National Bank of Cheboygan, which serves individuals and local businesses through more than five branches in the northern reaches of Michigan's Lower Peninsula. Serving the counties of Cheboygan, Emmet, and Presque Isle, the bank offers standard fare such as checking, savings, and money market accounts, CDs, and IRAs. CNB Mortgage, a subsidiary of the bank, handles residential mortgage lending activities, which account for approximately half of the company's loan portfolio; commercial mortgages make up most of the remainder. Bank affiliate CNB Financial Services provides insurance and financial planning. Citizens National Bank was founded in 1931.

Siemens Financial Services GmbH provides investment and risk management, sales, lease, and investment financing, insurance, and treasury and financing services to international and public sector companies as well as to subsidiaries of its parent company. It also invests in energy, telecom, and transportation infrastructure projects around the world. The company's treasury and financing services unit has around E60 billion ($85 billion) in assets under management. Siemens Financial Services operates through a network of companies that are present in about 30 countries in Asia-Pacific, Europe, and North America.

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.

The Chinese economy would be nothing without the People's Bank of China. The central bank controls monetary policy, sets the exchange rate, regulates the gold market, manages the state treasury, and oversees other financial institutions. Like the Federal Reserve System in the US, the People's Bank of China lends money to commercial banks as necessary. It also issues currency. In mainland China, the reminbi is the name of the currency, and the yuan is the base unit (like the dollar). The People's Bank of China operates nine regional branches in addition to its headquarters in Beijing. The bank was established in 1948, and until 1978 it was the only bank in China. It became the country's central bank in 1983.

Patelco Credit Union has evolved as well. Founded in 1936, it has grown from a five-member organization with $500 in assets serving employees of Pacific Telephone and Telegraph to a nearly 300,000-member credit union serving employees from more than 1,100 organizations, as well as other residents of California who qualify for membership. A telephone company credit union until 1983, Patelco Credit Union now operates about 40 offices in Northern California and one in the Chicago area. It provides deposit, lending, insurance, and investment services, as well as credit cards, debit cards, and online banking.

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