In 1911, legislation established the Commonwealth Bank of Australia. In 1959, this original body corporate was preserved as the Reserve Bank of Australia (RBA) in legislation, specifically to carry on the central banking functions; at that same time, the commercial and savings banking functions were transferred into a new institution, which carried on the old name of Commonwealth Bank of Australia.

Cambridge Savings Bank is proud to be among the largest community banks in Massachusetts. With more than $2 billion in assets, we have the financial strength to deliver a wealth of innovative products and services to a wide range of personal, small business, and commercial banking customers. From deposit and loan products, mortgages and Internet banking, to more sophisticated services such as trust and investment offerings and real estate lending services, we have the capability to offer what you need to meet your financial goals.

Macatawa Bank Corporation is the holding company for Macatawa Bank. Since its 1997 founding, the company has grown into a network of about 25 branches serving western Michigan's Allegan, Kent, and Ottawa counties. The bank provides standard services, including checking and savings accounts, CDs, safe deposit boxes, and ATM cards. It also offers investment services and products through an agreement with a third-party provider. With deposit funds, the bank primarily originates commercial mortgages and business loans, which account for approximately 50% and 25% of its loan book, respectively. Macatawa Bank also originates residential mortgages and consumer loans.

Federal Home Loan Bank of Boston is banking on the continued support of other banks. The bank provides funds for residential mortgages and community development loans to its members, which consist of about 450 financial institutions in New England, including banks, thrifts, credit unions, and insurance companies. The bank also lends to nonmember institutions such as state housing finance agencies, primarily to promote the funding of low to moderate income housing in the region. The Federal Home Loan Bank of Boston is one of 12 regional wholesale banks in the Federal Home Loan Bank System. Its region includes Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.

First Keystone Corporation operates as the holding company for First Keystone National Bank that provides commercial banking product and services, and trust services to individuals and small to medium sized businesses in Northeastern and Central Pennsylvania market areas. The company offers various deposit products, which include demand deposits, money market accounts, savings accounts, and time deposits, as well as interest bearing demand deposits, such as NOW accounts. Its loan portfolio comprises commercial, financial, and agricultural loans; real estate mortgage loans; and consumer and other loans. In addition, the company provides personal, corporate, and agency services that include trust investment accounts, investment advisory services, mutual funds, estate planning, management of pension, and profit sharing plans to individuals, corporations, and others. It has 15 branch locations, including 5 branches in Columbia County, 5 branches in Luzerne County, 1 branch in Montour County, and 4 branches in Monroe County, Pennsylvania. The company was founded in 1864 and is headquartered in Berwick, Pennsylvania.

PremierWest Bancorp strives to be the principal financial institution on the West Coast. The firm is the holding company for PremierWest Bank, which operates 40 branches generally located along the Interstate 5 corridor in southern Oregon and northern California. The community bank serves local businesses and consumers, using funds from deposit accounts mainly to originate loans secured by commercial and residential real estate. Bank subsidiary PremierWest Investment Services provides investment brokerage services. Consumer lender Premier Finance Company is another subsidiary of the bank; mortgage service provider PremierWest Mortgage is a division of the bank.

Jeffersonville Bancorp is the holding company for The First National Bank of Jeffersonville. The bank serves businesses and consumers through about 10 locations in southeastern New York's Sullivan County. First National Bank of Jeffersonville offers such standard retail services as demand deposit, savings, and money market accounts; NOW accounts; CDs; and IRAs to fund a variety of loans. Nearly 40% of the bank's loan portfolio consists of residential mortgages, while commercial mortgages account for another 35%. The bank also provides home equity, business, consumer, construction, and agricultural loans.

SI Financial Group is the holding company for Savings Institute Bank and Trust Company, a community savings bank serving eastern Connecticut from around 20 locations, including branches within retail stores. In addition to traditional deposit services like checking and savings accounts and CDs, the bank and its subsidiaries offer financial services such as trust services, investment management, retirement planning, and life insurance. Residential and commercial mortgages dominate Savings Institute's lending portfolio, which also includes commercial business and consumer loans. Mutual holding company SI Bancorp owns more than 60% of SI Financial Group.

Alliance Bancorp, Inc. of Pennsylvania is the holding company for Alliance Bank (formerly Greater Delaware Valley Savings Bank). The bank has about 10 branch offices that serve individuals and local businesses in suburban Philadelphia's Delaware and Chester counties. It offers standard deposit products such as checking and savings accounts, money market accounts, CDs, and IRAs. Commercial real estate loans (more than 45% of the company's loan portfolio) and residential mortgages (more than 40%) comprise most of the bank's lending activities. Alliance Bancorp was formed in 2007 when the bank converted from mutual ownership to a mid-tier stock holding company structure.

Orrstown Financial Services keeps both paddles in the money pool. The institution is the holding company for Orrstown Bank, which operates some 20 branches in Pennsylvania's Cumberland, Perry, and Franklin counties as well as in Maryland's Washington County. In addition to traditional retail deposit offerings, Orrstown also provides investment management services including retirement planning and investment analysis. Real estate mortgages account for about 40% of the bank's lending portfolio, followed by commercial, construction, and consumer loans. Orrstown is growing its mortgage lending capabilities. It launched an online application system in order to increase mortgage origination sales.

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