United Community Financial is the holding company for The Home Savings and Loan Company of Youngstown, Ohio, a community bank with some 40 branches and a half-dozen loan production offices in Ohio and western Pennsylvania. Real estate loans account for about 80% of the company's loan portfolio; business and consumer loans make up the remainder. The bank also offers checking and savings accounts, CDs, retirement accounts, investments, and credit cards. In 2007 United Community Financial planned to buy Cleveland-area banking company PVF Capital, but both parties later canceled the deal.

France's largest bank, Credit Agricole owns a 25% stake each in about 40 regional banks, which in turn own more than half of Credit Agricole. It offers retail and business banking, lending, and deposit services at more than 9,000 locations throughout the country, including those of subsidiary Le Credit Lyonnais (LCL). The company also is involved in investment banking and capital markets (through its Credit Agricole CIB unit), in addition to insurance, leasing, and private banking. Credit Agricole combined its asset management operations with those of rival French bank Society Generale to form Amundi.

Bridge Bancorp wants you to cross over to its subsidiary The Bridgehampton National Bank, which operates more than a dozen locations in eastern Long Island, New York. Founded in 1910, the bank offers traditional deposit services to area individuals, small businesses, and municipalities, including checking, savings, and money market accounts, and CDs. Deposits are invested primarily in mortgages, which account for some 80% of the bank's loan portfolio. Title insurance services are available through bank subsidiary Bridge Abstract; wealth management services include financial planning, estate administration, and trustee services.

Consumers Bancorp, Inc. operates as the holding company for Consumers National Bank, which provides various commercial and retail banking services. Consumers Bancorp, Inc. involves in attracting deposits from businesses and individual customers and uses such deposits to originate commercial, mortgage, and consumer loans in its market area, consisting primarily of Stark, Columbiana, Carroll, and contiguous counties in Ohio. Its deposit products include interest and noninterest bearing accounts, such as NOW accounts, savings account, time deposits, and short-term borrowings, as well as federal home loan bank advances. The company’s loan portfolio comprises real estate mortgage and construction loans; commercial, financial, and agricultural loans; and installment loans to individuals. As of June 30, 2009, Consumers Bancorp, Inc. operated 10 branch offices. Consumers Bancorp is headquartered in Minerva, Ohio.

The determination and distribution of profits are governed by the National Bank Act (arts. 30 and 31). According to these articles, the SNB shall set up provisions permitting it to maintain currency reserves at the level which is necessary for monetary policy. In so doing, it shall take into account the development of the Swiss economy. A dividend not exceeding six percent of the share capital shall be paid from the net profit. One-third of any net profit remaining after the distribution shall accrue to the Confederation and two-thirds to the cantons.

Harleysville Savings Financial is the holding company of Harleysville Savings Bank, which operates about a half-dozen branches in southeastern Pennsylvania's Montgomery County. The bank offers standard deposit products such as checking and savings accounts, CDs, and IRAs. Its lending activities consist primarily of single-family residential mortgages, which account for more than two-thirds of the company's loan portfolio; home equity loans account for nearly 15%. To a lesser extent, Harleysville Savings Bank also originates commercial mortgages, residential construction loans, and consumer lines of credit.

Cardinal Financial can help you keep out of the red. The holding company owns Cardinal Bank, which operates about two dozen branches in the Washington, DC metropolitan area. Serving commercial and retail customers, it offers such deposit options as checking, savings, and money market accounts; IRAs; and CDs, as well as trust services. Commercial real estate loans make up more than 40% of Cardinal Financial's loan portfolio; residential mortgages, construction loans, business loans, and home equity lines of credit round out the bank's lending activities. Subsidiary Cardinal Wealth Services provides brokerage and investment services through an alliance with Raymond James Financial.

Citibank A. S.,the commercial and consumer bank offers many of its parent Citigroup's standard products and some tailored for the market. For businesses Citi Turkey provides loans, financing, foreign trade finance, and cash management. Its consumer group offers personal loans, credit cards, local and foreign currency deposit products, and local and offshore mutual funds. The company conducts programs to educate its customers on starting and running a business, and on personal finance and saving. It has about 60 branches, mostly in Istanbul. Citi came to Turkey in 1975.

Atlantic Southern Financial Group is Serving central and southeastern Georgia and northern Florida, Atlantic Southern Financial is the holding company for Atlantic Southern Bank, a community bank that offers deposit services such as checking and savings accounts, as well as loan services, to consumers and small to midsized businesses. Its primary lending services include real estate loans for construction and land development (about 40%), as well as commercial real estate loans (30%). To a lesser extent, Atlantic Southern provides consumer and residential real estate loans. The bank operates more than a dozen branches.

The Eighteenth Bank, Limited,the bank has more than 90 offices in its home prefecture, as well as about a dozen more in the nearby prefectures of Fukuoka, Kumamoto, and Yamaguchi; it also has a presence in both Osaka and Tokyo. In addition to offering traditional deposit banking services, the Eighteenth Bank and its subsidiaries are active in such business areas as leasing, credit cards, and economic research.

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