BancorpSouth, Inc. operates as a financial holding company for BancorpSouth Bank that provides commercial banking and financial services to individuals, and small-to-medium sized businesses in Mississippi, Tennessee, Alabama, Arkansas, Texas, Louisiana, Florida, Missouri, and Illinois. It generates interest bearing and noninterest bearing demand deposits, and saving and time deposits. The company provides various commercial loan services, including term loans, lines of credit, equipment and receivable financing, and agricultural loans, as well as a range of short-to-medium term secured and unsecured commercial loans to businesses for working capital, business expansion, and the purchase of equipment and machinery. Its residential consumer lending activities consist of the origination of fixed and adjustable rate residential mortgage loans secured by owner-occupied property, construction loans, second mortgage loans, and home equity lines of credit; and non-residential consumer lending activities comprise automobile loans, recreation vehicle loans, boat loans, secured and unsecured personal loans, deposit account secured loans, and student loans. BancorpSouth, Inc. also serves as an agent in the sale of title insurance; commercial lines of insurance; and a line of property and casualty, life, health, and employee benefit products and services. In addition, it offers investment services comprising brokerage, investment advisory, and asset management services; and trust services, including personal trust and estate services, and employee benefit accounts and plans, such as individual retirement accounts and corporate trust functions. As of December 31, 2009, BancorpSouth operated approximately 310 commercial banking, trust, and insurance business offices. BancorpSouth, Inc. was founded in 1876 and is headquartered in Tupelo, Mississippi.

VSB Bancorp is the holding company for Victory State Bank, which serves New York City's Staten Island from about five offices. It collects deposits from local residents and businesses, offering standard products such as checking and savings accounts, money market accounts, and CDs. Commercial real estate, business, and construction loans make up almost all of the bank's loan portfolio. Victory State Bank generally does not write residential mortgages. Merton Corn, CEO of the bank from its 1997 founding until his 2007 retirement, owns approximately 10% of VSB.

Old Line Bancshares is the holding company for Old Line Bank, serving consumers, businesses, and wealthy individuals in the Old Line State and in the Washington, DC, area. From 10 branches in Maryland's Charles and Prince George's counties, the bank offers standard retail products including deposit accounts, CDs, and credit cards. It uses funds from deposits to write business and consumer loans; commercial real estate loans make up about half of its portfolio. The bank also offers luxury boat financing. The company also owns 50% of real estate firm Pointer Ridge Office Investment. The bank will double its branch numbers through its planned $20 million acquisition of Maryland Bankcorp, expected to close in 2011.

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.

Community First Bancorporation puts financial matters first in the northwestern corner of South Carolina. The institution is the holding company for Community First Bank, which operates about five branches in Oconee and Anderson counties. The commercial bank offers traditional deposit products such as checking and savings accounts, CDs, and IRAs. Deposit funds are primarily used to originate single- to four-family mortgages and commercial mortgages. The bank also writes construction, consumer, and business loans. Community First Bank plans to continue to expand in Anderson County.

BGL BNP Paribas covers both general and specific banking needs for customers in the grand duchy and beyond. The bank offers a wide variety of financial services to individuals, businesses, and government institutions. For private consumers, it operates about 35 retail branches throughout Luxembourg and also offers Internet-based banking. For businesses, the bank offers such services as foreign-exchange transactions and international trade financing. It also engages in private banking for wealthy clients. In 2009 BNP Paribas acquired a 67% stake in BGL and 75% of its previous parent, Fortis.

Merrill Lynch Bank (Suisse) is a Swiss private bank offering wealth management services such as portfolio advisement, fund management, and financial planning products to the ultra-rich, all with a dash of traditional Swiss banking secrecy and discretion. In addition to Geneva and Zurich, the bank has offices in Dubai, Singapore, Montevideo, and Panama. Merrill Lynch Bank (Suisse) is a subsidiary of Merrill Lynch International Bank Limited and part of the Merrill Lynch International Private Client Group (both are subsidiaries of Merrill Lynch). Banking powerhouse Bank of America acquired Merrill Lynch for some $50 billion in early 2009.

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.

MetroCorp Bancshares, Inc. operates as a holding company for MetroBank, National Association; and Metro United Bank that provide commercial banking products and services in Texas and California. The company offers retail deposit products and services, including checking and savings accounts, money market accounts, time deposits, individual retirement accounts, noninterest-bearing demand deposit transaction accounts, and interest-bearing NOW accounts. Its loan portfolio includes commercial and industrial loans comprising loans to wholesalers, manufacturers, and business service companies; commercial mortgage loans to finance the purchase of real property; loans for the construction of residential and non-residential properties; loans for commercial properties, such as multi-family, office, industrial, warehouse, and retail centers; and consumer loans comprising automobile loans, lines of credit, and other personal loans. The company also provides government guaranteed lending programs; trade finance loans and letters of credit to facilitate export and import transactions for small and medium-sized businesses; and single-family residential mortgage products through third party mortgage companies, as well as offers ATM cards, debit cards, and online banking services. As of December 31, 2009, it operated 19 branches in the greater Houston, Dallas, San Diego, Los Angeles, and San Francisco metropolitan areas. MetroCorp Bancshares, Inc. was founded in 1987 and is headquartered in Houston, Texas.

Rabobank Group, founded as a cooperative of Dutch agricultural banks in the late 1800s, the company has some 150 member banks that have more than 1,000 branches in the Netherlands and dozens of subsidiaries around the world that focus on the food, agribusiness, and financial industries. The cooperative's wholesale and international retail banking arm, Rabobank International, has offices in some 30 countries. Other global activities include trade and commodity finance. Rabobank Group also owns California-based Rabobank, N.A., US agribusiness lender Rabo AgriFinance, and Swiss private bank Sarasin. Rabobank Group is owned by its member banks.

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