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CRA Performance Evaluations: December 2003

Charter# Bank Name City State Eval Date Rating Examination
23558 Commerce Bank/Delaware, N.A. Wilmington DE 3/31/03 Outstanding Large Bank
22626 SunTrust BankCard, N.A. Orlando Fl 10/16/03 Satisfactory Large Bank
15579 First National Bank of Muscatine Muscatine IA 8/13/03 Satisfactory Large Bank
14268 The First National Bank in Carlyle Carlyle IL 8/4/03 Satisfactory Small Bank
4934 The First National Bank of Carmi Carmi IL 6/17/03 Satisfactory Small Bank
9784 The First National Bank of Monterey Monterey IN 8/4/03 Satisfactory Small Bank
6767 The Coldwater National Bank Coldwater KS 8/18/03 Needs to Improve Small Bank
16286 First National Bank Derby KS 10/6/03 Satisfactory Small Bank
24080 Community First National Bank Manhattan KS 4/21/03 Satisfactory Small Bank
4090 The State National Bank of Frankfort Frankfort KY 4/16/03 Satisfactory Large Bank
2927 First National Bank & Trust Company Georgetown KY 4/4/03 Satisfactory Large Bank
22246 Whitaker Bank, N.A. Lexington KY 5/13/03 Satisfactory Large Bank
18433 Morehead National Bank Morehead KY 4/16/03 Satisfactory Large Bank
23850 Capital Bank, N.A. Rockville MD 9/29/03 Satisfactory Small Bank
11305 The First National Bank of Wakefield Wakefield MI 8/11/03 Satisfactory Small Bank
24223 Neighborhood National Bank Alexandria MN 8/11/03 Satisfactory Small Bank
3959 The First National Bank of Nevada, Missouri Nevada MO 9/2/03 Satisfactory Small Bank
9865 The First National Bank of Oxford Oxford MS 9/15/03 Satisfactory Small Bank
14592 First National Bank of Picayune Picayune MS 9/2/03 Outstanding Small Bank
8992 The First National Bank of Ainsworth Ainsworth NE 9/2/03 Satisfactory Small Bank
8328 First N.B. & Trust Co. of Columbus Columbus NE 7/21/03 Satisfactory Large Bank
6221 First National Bank Northeast Lyons NE 9/24/03 Satisfactory Small Bank
209 First National Bank of Omaha Omaha NE 4/29/03 Satisfactory Large Bank
17094 Commerce Bank, N.A. Cherry Hill NJ 3/31/03 Outstanding Large Bank
21863 Commerce Bank/Shore, N.A. Forked River NJ 3/31/03 Satisfactory Large Bank
20484 Citibank (Nevada), N.A. Las Vegas NV 3/31/03 Outstanding Limited Purpose Bank
11573 The Citizens National Bank of Bluffton Bluffton OH 6/2/03 Satisfactory Large Bank
12200 The First National Bank of Calumet Calumet OK 10/6/03 Satisfactory Small Bank
9330 The First National Bank of Mercersburg Mercersburg PA 6/2/03 Satisfactory Small Bank
18273 Commerce Bank/Pennsylvania, N.A. Philadelphia PA 3/31/03 Satisfactory Large Bank
4238 The First National Bank of Beeville Beeville TX 9/8/03 Satisfactory Small Bank
18302 Texas Community Bank and Trust, N.A. Dallas TX 9/29/03 Satisfactory Small Bank
13170 First National Bank Glen Rose TX 10/6/03 Satisfactory Small Bank
22837 Menard National Bank Menard TX 9/22/03 Satisfactory Small Bank
5409 The First National Bank of Mount Vernon Mount Vernon TX 9/15/03 Satisfactory Small Bank
21944 Peoples National Bank Paris TX 9/15/03 Satisfactory Small Bank
17862 First Commercial Bank, N.A. Seguin TX 8/25/03 Satisfactory Small Bank
24107 Nicolet National Bank Green Bay WI 8/25/03 Outstanding Small Bank
3724 The First National - Fox Valley Neenah WI 7/21/03 Satisfactory Small Bank
5226 The First National Bank of St. Marys St. Marys WV 10/6/03 Satisfactory Small Bank