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The Savannah Bancorp, Inc.

The Savannah Bancorp, Inc.

Savannah Bancorp's "garden" grows green, rather than good and evil. The holding company owns Savannah Bank, and Bryan Bank & Trust. Together, the banks operate about a dozen offices in coastal Georgia and South Carolina. The banks offer a variety of retail services, including checking, savings, and money market accounts, and certificates of deposit. Real estate mortgage loans make up about 80% of the company's loan portfolio; the banks also write construction, business, and consumer loans. Investment services are offered to individuals, organizations, and other entities through subsidiary Minis & Co., Inc.

Joyo Bank, Ltd.

Joyo Bank, Ltd.

Joyo Bank offers regional banking services for Japan's Ibaraki Prefecture and its surrounding regions. Backed by more than 170 branches, Joyo offers deposits, loans, investment portfolios, international business, and other traditional retail banking products. Subsidiaries and affiliated companies include Joyo Computer Service Co. (calculation software), Joyo Lease Co. (machinery and equipment leasing), Joyo Credit Guarantee Co. (housing loans credit), and Joyo Cash Service Co. (ATM and CD management and maintenance).

Banca Monte dei Paschi di Siena SpA

Banca Monte dei Paschi di Siena SpA

Banca Monte dei Paschi di Siena (BMPS), which provides consumer, business, and other banking services to 6 million clients through more than 3,000 branches throughout the country. BMPS also has limited operations in several other nations. The bank, which claims to be the oldest in the world, was founded in 1472 to help the poor. It is split into a public institution (chiefly active in benevolent works, grants, and public assistance) and the incorporated banking arm (focused on profits). The Fondazione Monte dei Paschi owns about 49% of the bank, but controls some 60% of it.

Public Bank Berhad

Public Bank Berhad

Public Bank Berhad has about 250 branches throughout Malaysia, where it is one of the top lenders and fund operators. Offerings include deposit accounts, credit cards, home loans, and insurance plans. In addition to retail and commercial services, it provides corporate banking, brokerage, investment banking, wealth management, and Islamic banking. Public Bank has more than 100 overseas branches in countries including Cambodia, China, Hong Kong, Laos, Sri Lanka, and Vietnam. The company was founded in 1966 by chairman Tan Sri Dato' Sri Dr. Teh Hong Piow.

Russian Standard Corporation

Russian Standard Corporation

The private company has business interests in both financial services and premium vodka. Its Russian Standard Bank is a leading consumer lender, with more than 380 branches and offices throughout Russia; it holds more than half of the domestic credit card market. The bank's insurance arm offers life and health coverage. The company's Russian Standard Vodka is a growing global spirits brand that is exported to more than 60 countries worldwide. Another subsidiary, Roust, imports and distributes such brands as Campari, Jagermeister, and Remy Martin within Russia.

First Mid-Illinois Bancshares, Inc.

First Mid-Illinois Bancshares, Inc.

First Mid-Illinois Bancshares is a major supplier of farm credit (including real estate, machinery, and production loans; inventory financing; and lines of credit) in its market area. In addition to agricultural loans, the bank also offers commercial, consumer, and real estate lending. It also provides deposit products such as savings and checking accounts, plus trust and investment services through a partnership with Raymond James . First Mid-Illinois has nearly 40 branches after acquiring about 10 in northern Illinois from First Banks in 2010.

Financiera Independencia, S.A.B. de C.V.

Financiera Independencia, S.A.B. de C.V.

Financiera Independencia, S.A.B. de C.V. provides microcredit loans to self-employed laborers, contractors, and other entrepreneurs. (Microloans are small -- a few thousand pesos, or a few hundred dollars -- and must be invested into a business venture.) Financiera Independencia also extends unsecured credit to mothers and the unemployed, and it offers federally subsidized home improvement loans. It has more than 150 branches in 105 cities, and since being formed in 1993, has loaned some 3 billion pesos to more than 800,000 people.

Jefferson Bancshares, Inc.

Jefferson Bancshares, Inc.

Jefferson Bancshares is the holding company for Jefferson Federal Bank, which has about a dozen locations in eastern parts of the Volunteer State. Founded in 1963, the bank serves individuals and businesses in Hamblen, Knox, Sullivan, and Washington counties, offering standard services such as checking and savings accounts, CDs, and IRAs. Lending activities primarily consist of commercial real estate loans and one- to four-family residential mortgages, which together account for a majority of the company's loan portfolio. In 2008 Jefferson Bancshares acquired State of Franklin Bancshares, a community bank hurt by the national mortgage crisis.

First Federal Bancorporation

First Federal Bancorporation

RiverWood Bank is a network of community banks located in 11 different communities in Northern and Central Minnesota. The original banking charters were formed in the 1920's in Bemidji and Morris as state chartered local building and loan associations. The present charter is a national savings and loan association regulated by the Office of Thrift Supervision. The banks have had a long history of meeting the needs of our communities in both the Consumer Banking and Home Lending Services.

Yakima Federal Savings & Loan Association

	 Yakima Federal Savings & Loan Association

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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