Peoples Federal Savings and Loan Association has participated with pride in the agricultural, commercial and industrial development that has graced Shelby County and shaped the destiny of its residents. At that time the only two services we were allowed to provide were mortgage loans and savings accounts. Through the years, fast paced expansion generated a growing need for creative financing. The Association experienced tremendous growth and saw a need to expand its physical quarters to more appropriately protect its depositor’s funds and valuable documents.

Waccamaw Bancshares is the holding company for the Waccamaw Bank, which operates about 15 branches in the coastal Carolina region. With about 15 branch loactions, Waccamaw provides traditional products such as checking and savings accounts and IRAs. It primarily uses funds from deposits to write commercial loans and mortgages, including business loans, construction loans, and land development loans. Hit by an increase in bad loans, the company is working with regulators to raise its capital holdings. It is also tightening up its lending practices.

U.S. AgBank, FCB bank provides funding for long-term real estate loans secured by first mortgages on farm or rural land. It also provides shorter-term loans to agricultural producers. The government-sponsored entity does not lend directly to borrowers, but rather through more than two dozen associations (Agricultural Credit Associations, Farm Land Credit Associations, Production Credit Associations) that own U.S. AgBank. The company plans to merge with CoBank, another Farm Credit System member.

ECB Bancorp Enjoys Community Banking. The holding company owns The East Carolina Bank, which serves individuals, small to midsized businesses, and local governments through about 25 branches in eastern North Carolina and the Outer Banks. The bank, which opened in a barbershop in 1920, provides checking, savings, money market, NOW, and individual retirement accounts, plus certificates of deposit. It mainly originates real estate loans (approximately 80% of its loan portfolio), including residential and commercial mortgages and construction and land development loans. The East Carolina Bank also writes commercial, consumer, and construction loans. Members of the Gibbs family own about 15% of ECB Bancorp.

Sierra Bancorp was formed in November 2000 and operates primarily through Bank of the Sierra (the Bank), which it acquired in August 2001. The Bank is a California state-chartered bank headquartered in Porterville, California. It opened for business in January 1978, and has since grown to be the largest independent bank head-quartered in the South San Joaquin Valley. Our growth has primarily been organic, but includes the acquisition of Sierra National Bank in 2000. The Bank is a multi-community financial institution that offers a full range of retail and commercial banking services, primarily in the central and southern sections of the San Joaquin Valley. On the southern end, our footprint extends east through the Tehachapi plateau and into the northwestern tip of the Mojave Desert. At the present time, the Company’s only other direct subsidiaries are Sierra Statutory Trust II and Sierra Capital Trust III, which were formed in March 2004 and June 2006, respectively, solely to facilitate the issuance of capital trust pass-through securities (“TRUPS”).

AdvanceMe provides working capital to small and midsized businesses with a minimum of $5,000 in credit and debit card sales per month. Its merchant cash advances range from $6,000 to $150,000 and have no fixed time frame; customers, who may not qualify for conventional bank loans because they lack collateral or have spotty credit, repay AdvanceMe by selling the company a predetermined percentage of credit and debit card sales at a discount. The working capital is typically used to cover expenses, acquire equipment or inventory, renovate facilities, and for business expansion.

Valley National is high on its New Jersey and New York business banking customers. The holding company owns Valley National Bank, which provides commercial and retail banking services through more than 205 branch offices in northern and central New Jersey and in Manhattan, Brooklyn, and Queens. The bank offers checking and savings accounts, CDs, and trust services. About 60% of the bank's loan portfolio is dedicated to mortgages, split about evenly between residential and commercial property; consumer loans add another 20%. Subsidiaries offer such services as asset-based lending, asset management, mortgage services, title insurance, auto lending, aircraft financing, equipment leasing, insurance products, and title services.

Mound City Bank began operations as a state-chartered bank on February 18, 1915 in Platteville, Wisconsin. The founders of the bank mirrored the 4,500 residents of the City of Platteville, representing both farming and business interests. Their fierce independence and commitment to community remains the cornerstone of the bank's philosophy even today. In 1935, Mound City Bank established a branch in Belmont, WI in order to expand the bank's credit and deposit service area. Full financial services are still provided today through the Belmont office.

Mid Penn Bancorp is the holding company for Mid Penn Bank, which operates more than a dozen branches in central Pennsylvania's Cumberland, Dauphin, Northumberland, and Schuylkill counties. The bank offers full-service commercial banking, insurance, and trust services. Its deposit products include checking, savings, money market, and NOW accounts. Commercial real estate, construction, and land development loans account for nearly 80% of the company's loan portfolio; the bank also writes residential mortgages and business, agricultural, and consumer loans. Mid Penn is a descendant of Millersburg Bank, founded in 1868. Trust company CEDE & Co. owns about a third of Mid Penn Bancorp.

Ballston Spa Bancorp is the holding company for Ballston Spa National Bank, which serves Saratoga County in New York from about 10 branches. It offers traditional deposit products including checking and savings accounts, IRAs, and CDs. The bank also offers investment products, wealth and estate planning, insurance, and trust services. Residential mortgages account for about two-thirds of the company's loan portfolio; the company also writes commercial mortgages, consumer loans, and business loans. Ballston Spa National Bank was established in 1838.

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