Indiana Community Bancorp is holding company for Indiana Bank and Trust, which operates around 20 offices in south-central and southern regions of the Hoosier State. The bank offers such standard retail services as checking and savings accounts, NOW accounts, CDs, and IRAs. The bank earns much of its revenues from its lending activities. Commercial real estate loans account for more than half of the company's loan portfolio. Indiana Bank and Trust also writes residential, consumer, auto, construction, and other loans. The bank was founded as New Building and Loan Association in 1908.

In 1961 Tri-County Financial Corporation opened our first stand alone branch in Leonardtown, with Lexington Park opening 11 years later. The Dunkirk branch opened in 1991, followed by La Plata, Bryans Road, and St. Patrick’s. In 2005, we opened our ninth branch in Prince Frederick and our tenth branch in Lusby in 2008.In 1986, the bank went public and again our name changed; this time to Tri-County Federal Savings Bank. We acquired our current name, Community Bank of Tri-County, in March 1997 when the bank converted to a state-chartered Federal Reserve member bank.Over the past six decades, a lot has changed at CBTC. Our name has changed three times and we have opened nine branches. But many things have remained constant over the years. To be a locally-owned financial institution that is involved in its communities has been a constant business model for the bank. In addition, we have always relied on exceptional customer service to be that which differentiates us from the competition.

Bank of Granite Corporation is the holding company for a community bank of the same name that serves individuals and small businesses in about 10 west-central North Carolina counties. From 20 branches, Bank of Granite offers traditional demand and time deposit products mostly for individuals and small businesses. Before the economic downturn , mortgages made up more than half of Bank of Granite's loan portfolio. However, the slowdown deeply affected customers' ability to repay their loans and in 2009 Bank of Granite stopped originating mortgage loans altogether.

DZ BANK is the central institution for some 1,000 local cooperative banks, which serve 30 million customers from a combined 12,000 branch offices across Germany. It provides administrative services for its member banks, which are also the company's owners. Additionally, DZ BANK provides corporate banking services including commercial lending for small to midsized businesses, investment banking, structured financing, and private banking. GZ-Bank and DG Bank -- Germany's primary central institutions for cooperative lenders merged in 2001 to create today's DZ BANK.

First Pioneer Farm Credit helps farmers explore the well charted territory of financing. The financial cooperative is part of the national Farm Credit System founded in 1916 to serve the needs of American farmers. It offers mortgages, seasonal loans, lines of credit, equipment leasing, record keeping, tax planning and preparation, appraisals, business consulting, life insurance, and multi-peril crop insurance to country homeowners and agricultural business owners. Most of its patrons are involved in farming, horticulture, forestry, or commercial fishing. First Pioneer Farm Credit serves some 7,000 customers through 15 offices in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Rhode Island.

Indian Overseas Bank (IOB) is one of India's largest state-controlled banks and provides banking and financial services throughout the country. Established with a focus on foreign exchange and overseas banking, IOB has some 1,800 domestic branches and about a half-dozen international branches. It provides deposit, lending, mortgage, currency transfer, agri-business consultation, and credit card services. Specialized branches offer services related to such concerns as commercial and industrial credit, industrial finance, and high-tech agriculture.

VyStar Credit Union has a rich history of financial and community service to people that began in 1952. Because of our members, we have become one of the largest financial institutions in Northeast Florida and among credit unions today. As a sound and forward-thinking organization, VyStar's Board of Directors generously devotes their time and energy to provide your credit union strategic direction, set policy and oversee its management.

Bank of the Philippine Islands is one of that country's largest lenders. The universal bank has more than 800 branches in its homeland, as well as locations in Hong Kong, Italy, and the US. It provides asset management, mutual funds, electronic banking, and brokerage services in addition to standard commercial and consumer deposits, loans, and credit cards. The bank also performs investment banking services such as corporate finance and advisory. Giant Philippine conglomerate Ayala controls the Bank of the Philippine Islands, which sells insurance provided by other Ayala divisions.

Banco de Galicia y Buenos Aires (Banco Galicia) is one of Argentina's top three private banks by assets. Through some 350 offices, the bank offers loans to a client base primarily of businesses and individuals. It also provides consumer, corporate, and investment banking; insurance (through its Sudamericana subsidiary); risk management; and credit and debit cards. The bank, founded in 1905, has branches in neighboring Uruguay. Grupo Financiero Galicia, which is controlled by the Escasany, Ayerza, and Braun families, owns a 95% stake in Banco Galicia. The bank is looking to boost lending in the private sector.

Yakima Federal Savings and Loan Association completed another very successful year. We finished the year 2009 with no Real Estate owned and did not post any additions to loan loss reserves or write down any assets during the year. We originated more loans during 2009 than in 2008. Total assets grew by nearly ten percent during 2009 and we recorded strong profits. We are now the tenth largest FDIC insured financial institution in Washington State.

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