Merger Decisions 2008 Federal Deposit Insurance Corporation FEDERAL DEPOSIT INSURANCE CORPORATION MERGER DECISIONS ANNUAL REPORT TO CONGRESS Ban Merger Act Reporting Requirements (Tuesday, January 01,2008 through Wednesday, December 31,2008) All of the following Merger applications have been approved by the FDIC during the year 2008. With regard to each of these applications, the FDIC considered and found favorably with respect to the statutory factors involved, including the financial and managerial resources; future prospects; convenience and needs of the community to be served, and the effectiveness of each depository institution involved in the merger in combating money laundering activities, including in overseas branches. Except as noted, reports regarding the competitive factors were requested from the Attorney General and the Summar Report by the Attorney General indicated that the transaction would not have a significant adverse effect on competition. In each case, the FDIC has determined (1) that the transaction would not result in a monopoly or further any combination or conspiracy to monopolize or to attempt to monopolize the business of baning in any part of the United States; and (2) that the transaction would not have the effect in any section of the country to substantially lessen competition or tend to create a monopoly or in any other manner restrain trade, unless the anticompetitive effects of the transaction were clearly outweighed in the public interest by the probable effect of transaction in meeting the convenience and needs of the community to be served. Note: Additional copies of this Report can be downloaded from the FDIC's Public Information Center's web site at www.fdic.govìbankìindiviclual/nierger! Regular Mergers Applicant Institution Other/Target Institution Institution Name Total Assets Cert # Institution Name Assets Offces Cert# Action DOJ Application City, State (OOO's) City, State Acquired Acquired Approved Reply Date Number (OOO's) West Alabama Bank & Trut 516,504 16175 Bank Trut 33,469 3 26607 07/0312008 05107/2008 20080248 REFORM, AL MOBILE, AL First Southern State Bank 239,277 2829 Farniers and Merchants Bank 71,500 2 9059 12/08/2008 11112/2008 20082341 STEVENSON, AL CENTRE, AL Capstone Bank 122,908 22769 Security Bank 58,686 2 31514 09/22/2008 07/22/2008 20081663 TUSCALOOSA, AL TUSCALOOSA, AL First Arkansas Bank and Trut 486,844 16849 Greers Ferr Lake State Bank 63,045 4 33471 07108/2008 06/2612008 20081443 JACKSONVILLE, AR HEBER SPRINGS, AR Central Valley Community Bank 521,545 23030 Service i st Bank 234,974 3 35215 09/05/2008 08/28/2008 20081696 FRESNO,CA STOCKTON, CA OJ a; Community Bank 49,001 57850 Pacific Capital Bank, National 30,300 2 18169 09/17/2008 09/17/2008 20081766 OJAI, CA Association SANTABARBARA, CA Capital Source Bank 921,000 58878 Fremont Investment & Loan 7,656,223 21 25653 06/171008 06/16/2008 20081035 PASADENA, CA BREA,CA Colorado East Bank & Trust 571,673 3027 The First National Bank of Strtton 52,665 4 3059 01/29/2008 0111012008 20072712 LAMAR, CO STRATTON, CO The Bank of Delmarva 333,107 8810 First Mariner Bank 14,192 1 31286 08/14/2008 07/2212008 20081669 SEAFORD, DE BALTIMORE, MD Florida Citizens Bank 265,769 34869 Ocala National Bank 32,600 i 26538 10102/2008 08128/2008 20081970 GAINESVILLE, FL OCALA, FL First Guaranty Bank and Trust Company 486, i 29 16579 CenterBank of Jacksonville, National NIA 0 35542 06/27/2008 05/19/2008 20080808 of Jacksonville Association JACKSONVILLE, FL JACKSONVILLE, FL USAmeriBank 404,597 58427 Liberty Bank 89,702 i 57912 12115/2008 11112/2008 20082186 LARGO, FL CLEARWATER, FL American Momentum Bank 200,51 I 58309 Texas First Bank 2,800 I 21960 11/28/2008 11126/2008 20082668 TAMPA, FL GALVESTON, TX Pinnacle Bank 571,987 14065 AFB&T 19,714 I 28225 10/02/2008 09/25/2008 20081948 ELBERTON, GA ATHENS,GA The Heritage Bank 664,455 193 Satilla Community Bank 20,361 i 35114 05/16/2008 0412512008 20080794 HINESVILLE, GA SAINT MARYS, GA Hamilton State Bank 194,931 57810 Jefferson State Bank 80,156 I 58151 12109/2008 11/12/2008 20082595 HOSCHTON, GA CUMMING,GA Citizens State Bank 69,135 19753 Atlantic Coast Bank 11,554 1 45826 06/23/2008 0611612008 20081157 KINGSLAND, GA WAYCROSS, GA The Coastal Bank 338,311 20134 BankSouth 74,684 2 16418 04/21/2008 03/14/2008 20080371 SAVANNAH,GA GREENSBORO, GA Lincoln Savings Bank 445,326 14207 Vantus Bank 55,963 I 27732 11117/2008 10/28/2008 20082583 CEDAR FALLS, IA SIOUX CITY, IA First State Bank 95,983 8500 Odebolt State Bank 5,977 i 15052 01/14/2008 0111012008 20073295 IDA GROVE, IA ODEBOLT,IA Regular Mergers (Page 1 of 6, of 104 records) Data Date(s) 0110112008 to 12/3112008 2 Applicant Institution Other/Target Institution Institution Name Total Assets Cert # Institution Name Assets Offces Cert# Action DOJ Application City, State (OOO's) City, State Acquired Acquired Approved Reply Date Number (OOO's) Community Bank 206,010 23189 MidWestOne Bank 9,627 I 14843 09/19/2008 091111008 20082049 MUSCATINE,IA lOW A CITY, IA Apple River State Bank 194,285 17453 Centrue Bank 23,716 3744 01/17/2008 01/10/2008 20073196 APPLE RIVER, IL STREATOR,IL Highland Community Bank 100,764 20290 Cole Taylor Bank 7,880 i 22599 01/24/2008 01/10/2008 20073275 CHICAGO,IL Chicago,lL Harvard Savings Bank 124,671 28938 Morrs Building and Loan, s.b. 33,971 i 28427 03128/2008 12/21/2007 20072449 HARVARD,IL MORRIS,IL First Securty Bank 59,917 3698 mini Bank 12,127 i 19980 01/07/2008 12/06/2007 20073136 MACKINAW,IL SPRIGFIELD,IL Blackhawk Bank & Trut 788,217 18402 Great River Bank & Trut 76,644 5823 05101/2008 04/25/2008 20080641 MILAN,IL DAVENPORT, IA Valley Bank 593,886 10450 Horizon Bank 103,655 3 27776 04/08/2008 01/10/2008 20073387 MOLINE,IL OSKALOOSA, IA Warrck Interim Bank Inc. 0 58819 Warrck Loan and Savings Association 930 NIA 01/03/2008 12/20/2007 20073219 BOONVILLE, IN BOONVILLE, IN Mutual Savings Bank 133,728 27742 The Somervile National Bank 5,212 6700 01/0912008 12/20/2007 20073306 FRANKLIN, IN SOMERVILLE,OH Greensfork Township State Bank 157,593 8056 Symhony Bank 56,688 1 57932 12115/2008 11/26/2008 20082862 LYN, IN INDIANAPOLIS, IN Labette Bank 210,247 17068 The Miners State Bank of Frontenac, 39,105 I 15099 02127/2008 02/15/2008 20080157 ALTAMONT, KS Kansas FRONTENAC, KS Flint Hils Bank of Eskridge 50,710 26340 Bank of Prairie Village 18,900 i 17671 03/27/2008 03114/2008 20080404 ESKRIDGE, KS PRAIRIE VILLAGE, KS Patrots Bank 96,583 18019 Peoples Bank 3,400 4751 08/21/2008 08/111008 20081915 GARNETT, KS LA WRENCE, KS The Mission Bank 488,634 23173 The Valley State Bank 42,236 I 20066 01107/2008 12/21/2007 20073216 MISSION, KS ROELAND PARK, KS The Peoples Bank 253,337 1147 SCB Financial Corporation 165 0 NIA 05106/2008 04/10/2008 20080683 PRATT, KS SMITH CENTER, KS Reading State Bank 12,779 17366 Farmers and Merchants Bank of Hale 17,505 1651 02/19/2008 0211512008 20073195 READING, KS HALE, MO Town & Country Bank and Trust 359,694 15703 Integra Bank National Association 35,589 4392 11/14/2008 10/28/2008 20082613 Company EV ANSVILLE, IN BARDSTOWN, KY First Security Bank ofOwensboro, Inc. 138,478 34524 Warrck Interim Bank Inc. 930 58819 01103/2008 12/20/2007 20073209 OWENSBORO, KY BOONVILLE, IN Peoples Exchange Bank 271,102 8785 Integra Bank National Association 19,500 4392 11/17/2008 10/28/2008 20082630 STANTON, KY EV ANSVILLE, IN First NBC Bank 469,084 58302 Statewide Bank 60,056 I 29561 05105/2008 04/10/2008 20080668 NEW ORLEANS, LA COVINGTON, LA Regular Mergers (Page 2 of 6, of 104 records) Data Date(s) 0110112008 to 12/3112008 3 Applicant Institution Other/Target Institution Institution Name Total Assets Cert # Institution Name Assets Offces Cert Action DOJ Application Number City, State (OOO's) City, State Acquired Acquired Approved Reply Date (OOO's) Eastern Bank 6,888,199 32773 MassBank 799,426 15 22089 07/14/2008 06/05/2008 20081231 BOSTON,MA READING, MA Rockland Trust Company 2,674,363 9712 Slade's Ferr Trut Company 602,537 9 18085 01/04/2008 12/0712007 20073109 ROCKLAND, MA SOMERSET, MA Mt. Washington Co-operative Bank 509,341 26552 Roxbury-Highland Co-operative Bank 25,489 i 26662 04118/2008 04110/2008 20080611 SOUTH BOSTON, MA BOSTON, MA 07/2212008 Mechanics' Co-operative Bank 189,831 26634 Lafayette Federal Savings Bank 113,837 4 30060 08/08/2008 20081513 TAUNTON,MA FALL RIVER, MA 11/12/2008 20082641 Provident Bank of Maryland 6,166,361 15951 Chevy Chase Bank, F.S.B. 38,000 0 32324 12/29/2008 BALTIMORE, MD MCLEAN, VA 08/0712008 20081578 HarVest Bank of Maryland 183,976 57766 Graystone Bank 11,109 i 58166 07111008 ROCKVILLE, MD LANCASTER, PA Machias Savings Bank 818,567 19531 The Camden National Bank 14,691 4255 02/20/2008 0211512008 20080160 MACHIAS, ME CAMDEN, ME 07/1512008 20081729 Northern Trust Bank, Federal Savings 1,033,872 34835 Lakepoint Investment Partners LLC 69 0 NIA 08107/2008 Bank CLEVELAND, OH BLOOMFIELD HILLS, MI Mainstreet Bank 393,369 1909 First Bank and Trust 6,500 i 15911 01/24/2008 01/10/2008 20073269 FOREST LAKE, MN MENOMONIE, WI 20073144 Lake Area Bank 259,803 1390 S& C Bank 30,393 3 14800 01/17/2008 12107/2007 LINDSTROM, MN NEW RICHMOND, WI Unity Bank East 149,635 8545 THE National Bank 32,530 I 57918 04/02/2008 0212912008 20080249 RUSH CITY, MN MOLINE,IL Carroll County Trut Company of 87,245 1611 Reading State Bank 17,505 I 17366 02/19/2008 1210712007 20073165 Carrollton, Missouri READING, KS CARROLLTON, MO First State Community Bank 728,230 17323 Farmers Bank & Trust, National 197,444 5 17614 Oi/l1l008 12/21/2007 20073239 FARMINGTON, MO Association GREAT BEND, KS 01/10/2008 20073355 Blue Ridge Bank and Trut Co.